Containing the Bad-Debt Ratio and Improving Recourse-Claim Collection
First written in FY2016. 12 of 25 entries say "Advanced", first in FY2019. Latest entry: 2026-08-12.
1 other company's latest entry also says "Advanced".
- 2026-08-12AdvancedFinancial results
「In terms of receivables management, we are working to improve the efficiency of collection operations, including by improving the process for transitioning to legal collection.」
The company continued its efforts during the quarter to improve collection operations, including by improving the process for transitioning to legal collection. - FY2026AdvancedAnnual report
「To contain the subrogation-receivables ratio, the company will strengthen its collection framework by reviewing its current collection methods, using external contractors including attorneys, and making effective use of collection-support systems.」
The company presents the review of collection methods, the use of external contractors, and the use of collection-support systems as specific measures to contain the subrogation-receivables ratio. - FY2026-H1AdvancedAnnual report
「In receivables management, the company worked to improve the efficiency of its framework for early resolution by reviewing the allocation of collection personnel and facilitating the transition to legal collection.」
The company describes reviewing the allocation of collection personnel and streamlining the framework to facilitate the transition to legal collection and achieve early resolution as specific receivables-management measures. - FY2025RestatedAnnual report
「Meanwhile, operating expenses increased because collection-agency fees paid to partner merchants and bad-debt-related costs increased. The company worked to review its collection framework by securing personnel to handle early-stage arrears.」
The company continues to review its collection framework by securing personnel to handle early-stage arrears, while also reporting an increase in bad-debt-related costs. - FY2025-H1WorsenedAnnual report
「Meanwhile, operating expenses exceeded the prior-year period as the provision for bad debts increased due to higher collection-agency fees paid to partner merchants and delays in strengthening receivables collection.」
The company itself states that delays in strengthening receivables collection contributed to an increase in the provision for bad debts. The implementation of collection-improvement measures has deteriorated. - FY2024-Q3AdvancedAnnual report
「In receivables management, the company reviewed its framework by securing personnel to handle early-stage arrears and worked to strengthen its collection infrastructure.」
In addition to strengthening its existing collection infrastructure, the company secured personnel to handle early-stage arrears and reviewed its receivables-management framework. - FY2024-Q2RestatedAnnual report
「In receivables management, the company focused on recruiting and developing personnel to contain the current-receivables ratio and worked to further strengthen its collection infrastructure.」
To contain the current-receivables ratio, the company continues to recruit and develop personnel in its receivables-management division and strengthen its collection infrastructure. - FY2023RestatedAnnual report
「To contain the current-receivables ratio, the company will focus on recruiting and developing personnel in its receivables-management division to further strengthen its collection infrastructure, while improving operational efficiency through the use of external contractors, including attorneys, and collection-support systems.」
The company continues to strengthen its collection infrastructure through recruitment and development of personnel in the receivables-management division, external contractors, and collection-support systems, as an initiative to contain the current-receivables ratio. - FY2023-Q3RestatedAnnual report
「In receivables management, the company continued to improve and optimize collection operations to enhance efficiency and contain the current-receivables ratio.」
The company continues to improve and optimize collection operations, enhance efficiency, and contain the current-receivables ratio, but has provided no new quantitative results or completed milestones. - FY2023-Q2AdvancedAnnual report
「In receivables management, the company established business processes aligned with the organizational restructuring of its receivables-management framework and worked to improve and optimize each operation to enhance efficiency.」
The company established receivables-management business processes aligned with the organizational restructuring and states that it improved and optimized each operation. - FY2023-Q1AdvancedAnnual report
「In receivables management, the company reorganized its structure around business processes such as counseling, the call center, and legal affairs, and worked to clarify the receivables-management framework by status.」
The company reorganized its structure by business process, including counseling, the call center, and legal affairs, and presented measures to clarify the framework for managing receivables by status. - FY2022AdvancedAnnual report
「In receivables management, the company will use accumulated data to strengthen its credit-management function and contain default risk, clarify which operations should be handled in-house and make effective use of external contractors, including attorneys, and improve collection efficiency using collection-support systems such as IVR and SMS functions.」
In addition to its existing credit assessment, counseling, and cooperation with external specialists, the company specifically describes collection support and improved collection efficiency using accumulated data, IVR, and SMS functions. - FY2022-Q2RestatedAnnual report
「To address the risk of increased delinquent receivables due to the spread of infectious diseases, the company worked to strengthen its counseling function and make effective use of outsourced services, including attorneys.」
As measures against the risk of delinquent receivables during the infectious-disease outbreak, the company continues to strengthen its counseling function and use outsourced services, including attorneys. - FY2022-Q1RestatedAnnual report
「In receivables management, the company worked to enhance its counseling function and provide detailed receivables management, while continuing to strengthen cooperation with attorneys and external contractors.」
The company continues to provide detailed receivables management through its counseling function and strengthen cooperation with attorneys and external contractors. - FY2021AdvancedAnnual report
「In receivables management, there were concerns that delinquent receivables would increase due to the spread of COVID-19 and that the counseling function would weaken because of remote work and shorter working hours. However, the company established a cross-functional cooperation framework involving coordination among departments, and the subrogation-receivables ratio decreased from the previous fiscal year.」
The company explains that it established a cross-functional cooperation framework and reduced the subrogation-receivables ratio from the previous fiscal year. - FY2021-Q3RestatedAnnual report
「In receivables management, the company continued to strengthen its counseling function for policyholders.」
The company continues to strengthen its counseling function for policyholders. The decreases in subrogation receivables and the allowance for doubtful accounts are described separately as improvements on the risk side. - FY2021-Q2AdvancedAnnual report
「In receivables management, the company will thoroughly strengthen its counseling function for policyholders」
The company continues to strengthen and thoroughly implement its counseling function for policyholders. Subrogation receivables decreased by ¥50.426 million, and the allowance for doubtful accounts also decreased by ¥4.233 million. - FY2019AdvancedAnnual report
「The company will seek to strengthen its credit-management function by advancing the review of screening standards, promoting solutions in cooperation with attorneys and others, and standardizing skills.」
The company has presented specific credit and receivables-management measures consisting of reviewing screening standards, cooperating with attorneys and others, and standardizing skills. - FY2019-Q3RestatedAnnual report
「In receivables management, the company worked to strengthen its credit-management framework.」
The company continues to strengthen its credit-management framework within receivables management. - FY2017RestatedAnnual report
「The company will strengthen credit management and conduct risk analysis using credit information from CIC, a designated credit information agency, and scoring, which are among its strengths, to contain default risk and establish appropriate pricing. In addition to further improving collection efficiency and accuracy through its next-generation system, the company aims to keep bad-debt-related costs consistently low by applying optimal collection methods according to receivables attributes and status.」
The company has reaffirmed its risk-management policy of combining CIC, scoring, a next-generation system, and collection by receivables attributes. - FY2017-Q3RestatedAnnual report
「In receivables management, the company worked to review and systematize existing business processes.」
The company continues to review and systematize business processes for receivables management. - FY2016First statedAnnual report
「The company will work to improve credit assessment using bad-debt data, promote settlements to contain subrogation receivables, improve the efficiency of subrogation-receivables collection by reviewing and systematizing existing business processes, and improve collection through more extensive customer interviews.」
The company is implementing bad-debt and collection management measures combining credit assessment, settlements, systematization, and customer interviews.