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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




Overview of employee health management screening
  • Approximately 110-part questionnaire for evaluating each client's efforts from two major aspects: occupational health and safety, and employee health management
  • Annual review by the external experts, to incorporate aspects reflecting new themes
Assessment items

Assessment items

  • 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 85 billion yen in loans (76 projects), as of March 31, 2016



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