The Financial Services Agency, since September last year, has agreed with major banks and regional banks that there is a possibility that each bank is making excessive loans with unsecured personal loans, "card loans" We have conducted on-site inspections on 12 rows, and have carried out investigations into actual conditions.

According to the results of the survey released on 26th, neither bank had insufficient efforts to grasp the user's income continuously, so the Financial Services Agency will issue a certificate of annual income even after financing I instructed to check repayment ability such as receiving.

Also, with regard to five of these banks, it is said that they were able to finance up to a fixed amount regardless of the amount of loans from other banks, considering the loan from other banks, We urged improvement as we decide.

The balance of "card loans" was 5.8 trillion yen as of the end of September last year, which has increased by more than 70% over the past five years, the Financial Services Agency said, "To prevent the occurrence of multiple debts Although certain improvements are seen in the maintenance of the position, we will continue to monitor it in the future ".