First, the future vitality of Japan's economy remains concern. The low profitability holds true not only for the financial institutions but also for many other firms in Japan. Currently, however, it is becoming increasingly difficult for businesses that only provide low valueadded products and services to survive in the global economy.
For a country's economic development, the sectors with high productivity and potential for growth need to play an active role. And it is essential that risk money is channeled to such sectors without hindrance, and for that purpose, the limited resources on the part of financial intermediaries should be allocated efficiently and concentrated in the areas with highly added value.