【経営者必見】経営者保証が不要に！？3月15日から始まる新しい融資制度について何をどうすればいいのかわかりやすく解説します！

Summary

In this video, Sugawara discusses the benefits of a new system that removes personal guarantees on business loans, making it easier for small businesses to secure financing without risking personal assets. He explains the criteria for eligibility and highlights the advantages of utilizing this system, such as increased trust from banks and easier re-start opportunities if a business fails. The video also advises viewers on how to negotiate with banks to take full advantage of the new and existing systems. Additionally, Sugawara touches on related topics, including loan guarantee fees and effective business strategies.

Takeaways

• 😀 The video discusses a new system that allows business owners to opt-out of 'Shachisho Hoshō' (a guarantee system where business owners are personally liable for company debts), which can help in restarting businesses without personal asset seizure.
• 🏦 The 'Shachisho Hoshō' system has been in place since last year, but the conditions for opting out have been further relaxed since March 15th of this year.
• 📋 The video explains that to opt-out of the 'Shachisho Hoshō', certain conditions must be met, including the separation of personal and corporate assets, strengthening the financial foundation, and ensuring transparency in management.
• 💼 The opt-out from 'Shachisho Hoshō' can be beneficial for business owners as it allows them to avoid personal bankruptcy and restart their business if the venture fails.
• 📈 The script mentions that about 70% of guaranteed loans for small and medium-sized enterprises come with 'Shachisho Hoshō', which is a significant proportion that the government aims to reduce.
• 💡 The video suggests that business owners should first try to negotiate with banks to opt-out of 'Shachisho Hoshō' under the conditions set since last year before considering the new system with increased guarantee fees.
• 📊 The new rules for opting out of 'Shachisho Hoshō' involve an increase in guarantee fees by an additional 0.25% to 0.45%, with the government providing subsidies for three years to offset the increase.
• 🌐 The eligibility for opting out under the new system includes having submitted financial statements to financial institutions for the past two years, not borrowing money personally from the company, and not having excessively high executive compensation or dividends.
• 📝 The video emphasizes the importance of proper documentation and transparency in financial reporting as part of the conditions for opting out of 'Shachisho Hoshō'.
• 🔄 The script highlights the cultural shift towards allowing for business restarts and challenges in Japan compared to a more forgiving business culture in the United States, where multiple attempts at entrepreneurship are common.
• 📢 The video ends with a call to action for viewers to subscribe to the channel for more informative content and to participate in online salons for deeper discussions.

Q & A

What is the main topic discussed in the video script?

The main topic discussed is the 'stop guarantee' system in Japan, which allows business owners to opt out of personal financial guarantees for business loans under certain conditions.

What is the 'stop guarantee' system?

The 'stop guarantee' system is a financial arrangement that allows business owners to remove personal guarantees from business loans, which were previously mandatory to secure financing.

When did the 'stop guarantee' system become more lenient?

The conditions for opting out of the personal guarantee became more lenient starting from March 15th of the current year, following an initial introduction of the option in April of the previous year.

What are the benefits of removing the personal guarantee from business loans?

Removing the personal guarantee can protect the personal assets of business owners, allowing them to restart their business if the venture fails, without the risk of personal bankruptcy.

What is the significance of the 'credit guarantee system' mentioned in the script?

The credit guarantee system is a mechanism where a guarantee association assures a bank that a borrower will repay a loan, allowing businesses with less creditworthiness to secure financing.

How does the guarantee fee work in the credit guarantee system?

The guarantee fee is a payment made by the borrower to the guarantee association for providing the assurance to the bank. It varies depending on the creditworthiness of the company, its size, and the amount borrowed, typically ranging from 1% to 2%.

What are the conditions for a business to be eligible to opt out of the personal guarantee under the new rules?

The conditions include having submitted financial statements to financial institutions for the past two years, not borrowing money personally from the company, and ensuring that executive compensation and dividends are not excessively high.

What is the government's role in supporting the new 'stop guarantee' system?

The government provides a subsidy to reduce the additional guarantee fees that businesses have to pay when opting out of the personal guarantee, with different percentages of subsidies available depending on when the application is made.

How does the 'stop guarantee' system affect the restart culture in Japan?

The system is part of an effort to create a more forgiving environment for business failures, encouraging entrepreneurs to take risks and restart their ventures without the fear of personal financial ruin.

What is the advice given to business owners considering the new 'stop guarantee' system?

The advice is to carefully consider the implications and negotiate with banks to determine the best course of action, whether it is to opt out of the personal guarantee under the new or previous conditions, or to maintain the guarantee for better loan terms.

What are the potential drawbacks of opting out of the personal guarantee?

While protecting personal assets, opting out may lead to higher guarantee fees and could potentially affect the business's ability to secure favorable loan terms, as banks may view the lack of personal guarantee as increased risk.