Japan Credit Bureau (JCB) is the oldest credit bureau in Japan and it was established in 1885. JCB is the only credit bureau that has a branch office in every prefecture of Japan.
The Japanese credit system is based on the idea that a person's character and history are reflected by their borrowing and repayment behavior. The basic principles of the Japanese credit system are:
People who repay their debts on time have good character, while people who borrow money without repaying it on time have bad character.
If people with poor character borrow money, they will not be able to repay it, even if they work hard.
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