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DBJ Employees' Health Management Rated Loan Program

DBJ became the first institution in the world to offer a financing menu incorporating employee health management ratings.

In April 2008, the Ministry of Health, Labour and Welfare introduced a special health checkup system, and in December 2015 it became obligatory for business to evaluate employee stress levels.

As Japan's working population is expected to shrink, achieving a high level of human productivity had become an issue of growing importance.

With these social conditions as a backdrop, DBJ Employees' Health Management Rated Loan Program aims to popularize and promote the concept of health management.

About DBJ Employees' Health Management Rated Loan Program


  • Loans with discounted interest rates according to the Rating
    DBJ evaluates the health management efforts of corporations and applies three different interest levels based on the result of the evaluation.
  • Fair and neutral evaluation based on occupational health and safety, and management of employee health
    Every year, DBJ updates its screening sheet, reflecting up-to-date law regarding industrial health and safety and health management tendencies.
  • Ratings, determined through interviews with clients
    DBJ conducts interviews directly with the people in charge.
  • Many evaluation results
    The details are here.
  • Applicability to a wide range of clients
    The Program covers various industries and company sizes, from regional medium-sized companies to large companies.
  • Use of Program logo
    Companies that are rated under the DBJ Employees' Health Management Rated Loan Program can use the Program's logo in their publications, including on their websites.

Program logo




Assessment scheme for employee health management ratings

The scheme is divided into two parts: health supervision and health management.

For health supervision, we ask about initiatives taken under the Industrial Safety and Health Act and other basic legal requirements dealing with occupational health and safety.

For health management, we focus on the management structure required for a preventive approach (organization, analysis, setting of targets, etc.), as well as individual measures. Other items concern efforts to improve worker engagement.

Assessment items

  • Screening sheets are updated annually by outside experts and outside authorities on the Advisory Committee to ensure that they incorporate the most recent trends in the field.
  • Target clients
    Domestic clients meeting requirements set by DBJ.
  • Use of funds
    Same conditions as for ordinary loans; no special restrictions.
  • Assignment of Employees' Health Management Rating through preliminary screening, interviews and secondary screening
  • Rating details made available to companies specified by the client, following execution of the loan
Target clients

Clients who are located in Japan and meet the requirements established by DBJ

Use of funds

As with ordinary loans, open-ended in principle (except for loans with interest subsidy)


Record of financing through the DBJ Employees' Health Management Rated Loan Program

A total of 155 billion yen in loans (137 projects), as of March 31, 2018



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