Contributing to the financial world as a leading researcher in business feasibility evaluation

　Now, the financial world is facing a major shift.At the end of the first year of Reiwa, the "Financial Inspection Manual", which is a guideline for bank loans, was abolished, and there is an epoch-making movement to promote business feasibility evaluation loans.Business feasibility evaluation loan is an evaluation method that judges whether or not a loan is possible by examining not only financial statements, guarantees and collateral, but also business content and future potential.

　The importance of business feasibility evaluation has been talked about for several years, and many regional financial institutions rushing to acquire know-how have sought that knowledge.Professor Koji Mizuno of the Faculty of Business Administration of Otemon Gakuin University (Ibaraki City, Osaka Prefecture) has played a major role in this.Professor Mizuno has been in charge of business feasibility evaluation training at various financial institutions and is known for his contributions to trade magazines, and is a leader in this field.

"Business feasibility evaluation seems easy and surprisingly difficult. It all started when various regional financial institutions searched for researchers in this field and found me," said Professor Mizuno.In January 50nd year of Reiwa, which can be said to be the first year of the abolition of the inspection manual, a series of lectures on business feasibility evaluation planned and sponsored by the Kinki Local Finance Bureau was held and served as a lecturer.With a capacity of 70 people, about XNUMX executives from regional financial institutions in the jurisdiction participated, indicating a high level of interest.

　"It was a epoch-making event that the Kinki Local Finance Bureau (young volunteer member" Chihomen ") came out all over.Even people from the Financial Services Agency have a hard time understanding the practical aspects.Before becoming a researcher, I worked for a bank for 15 years and understood the business such as experiencing bank settlement, so I will play a role of coordinating the temperature difference between regional financial institutions and the Financial Services Agency, and the future region. I would like to play the role of a platformer that spreads the idea of ​​finance. "

Financial institutions have an urgent need to change the mindset of managers

　Professor Mizuno always emphasizes points in the training and lectures on business feasibility evaluation.First, recognize the essential meaning of the claim.The idea of ​​the top creditors is rooted in Japan, but they are the same because they are based on mutual agreement.After all, creditors and debtors work together to achieve the same purpose, and how creditors (financial institutions) nurture debtors (corporations) is important. ..He also mentioned the factors that hinder business feasibility evaluation. The harsh word "the existence of a poison manager" is released.

　"It is essential to change the mindset of managers. As long as there are poison managers in the organization, nothing will progress. What I strongly ask financial institutions to do is not to crush young employees. Actual business feasibility evaluation I'm a young person who is involved in this. I definitely want you to stop being involved in lowering the morale of such employees. I have an educator's perspective, so I don't want to crush the treasure that I have raised. I emphasize it with my feelings. "

　Where should regional financial institutions go in the future under new management models such as business feasibility evaluation?Professor Mizuno sees this. "The place where the business feasibility evaluation ends up is that the financial institution exerts its human resources development function and becomes a human resources production institution. It will definitely come. Hopefully it will be a key to the shortage of local human resources and successors. "

Support for the new coronavirus is "the production of business feasibility evaluation"

　If financial institutions send excellent human resources to local companies, they will also improve their balance sheets.Regional financial institutions must strengthen and support their ties with local businesses.This situation, in which the new coronavirus infection has caused serious damage to the economy and related bankruptcies have occurred (= at the time of recording), can be said to be a touchstone.Professor Mizuno described the situation surrounding the coronavirus as "the beginning of the actual business feasibility evaluation" and "it will be supported if a consultation system that can guarantee psychological safety can be established. Financial institution executives can take the lead and face local companies seriously. For that reason, it is important not to deny what the young employees do. "

　"In the future, financial institutions will be required to be prepared. Now that it is no longer necessary to look at the financial administration regarding reserves and creditor classification, their judgment will be the correct answer. In other words, there is a correct answer in the preparedness. I want you to face creditors with confidence. This is the message to financial institutions. "

Research is "useful for society", "researchers are treasures"

　Regarding social contribution activities such as those mentioned above, Professor Mizuno says, "I can't do it alone."The university's Faculty of Business Administration has specialists in various fields such as financial accounting, management accounting, and marketing. The faculty members will supervise it together, so I can say with confidence. A series of activities is possible because I am a member of the Faculty of Business Administration of the University. "

　If the sympathy of many financial institutions is gained through training and lectures, the impact will spread to business partners, their employees, and their families, and if it accumulates, hundreds of thousands of people will be affected. The result is helping millions of people.This is the motivation for Professor Mizuno to continue his social contribution activities. Professor Mizuno's stance that "research is useful for society and Nambo" and "researchers are treasures" will not change.