6-digit U.S. detail
522180
預金機関およびその他の貸付中間業
Description
この産業は、主に預金を受け付け、住宅、不動産、およびその他の消費者および商業融資を行い、高格付けの証券への投資を行う事業を主な活動とする企業で構成されています（ただし、商業銀行および信用組合を除く）。預金組合、貯蓄銀行、私設銀行（つまり、 unincorporated banks）、および「産業銀行」または「モリス計画」と呼ばれる企業で、主に預金を受け付けるものがこの産業に含まれます。
Hierarchy
| Code | Title | Description |
|---|---|---|
| 52 | Finance and Insurance 2-digit sector | The Sector as a Whole The Finance and Insurance sector comprises establishments primarily engaged in financial transactions (transactions involving the creation, liquidation, or change in ownership of financial assets) and/or in facilitating financial transactions. Three principal types of activities are identified: 1. Raising funds by taking deposits and/or issuing securities and, in the process, incurring liabilities. Establishments engaged in this activity use raised funds to acquire financial assets by making loans and/or purchasing securities. Putting themselves at risk, they channel funds from lenders to borrowers and transform or repackage the funds with respect to maturity, scale, and risk. This activity is known as financial intermediation. 2. Pooling of risk by underwriting insurance and annuities. Establishments engaged in this activity collect fees, insurance premiums, or annuity considerations; build up reserves; invest those reserves; and make contractual payments. Fees are based on the expected incidence of the insured risk and the expected return on investment. 3. Providing specialized services facilitating or supporting financial intermediation, insurance, and employee benefit programs. In addition, monetary authorities charged with monetary control are included in this sector. The subsectors, industry groups, and industries within the Finance and Insurance sector are defined on the basis of their unique production processes. As with all industries, the production processes are distinguished by their use of specialized human resources and specialized physical capital. In addition, the way in which these establishments acquire and allocate financial capital, their source of funds, and the use of those funds provides a third basis for distinguishing characteristics of the production process. For instance, the production process in raising funds through deposit-taking is different from the process of raising funds in bond or money markets. The process of making loans to individuals also requires different production processes than does the creation of investment pools or the underwriting of securities. Most of the Finance and Insurance subsectors contain one or more industry groups of (1) intermediaries with similar patterns of raising and using funds and (2) establishments engaged in activities that facilitate, or are otherwise related to, that type of financial or insurance intermediation. Industries within this sector are defined in terms of activities for which a production process can be specified, and many of these activities are not exclusive to a particular type of financial institution. To deal with the varied activities taking place within existing financial institutions, the approach is to split these institutions into components performing specialized services. This requires defining the units engaged in providing those services and developing procedures that allow for their delineation. These units are the equivalents for finance and insurance of the establishments defined for other industries. The output of many financial services, as well as the inputs and the processes by which they are combined, cannot be observed at a single location and can only be defined at a higher level of the organizational structure of the enterprise. Additionally, a number of independent activities that represent separate and distinct production processes may take place at a single location belonging to a multilocation financial firm. Activities are more likely to be homogeneous with respect to production characteristics than are locations, at least in financial services. The classification defines activities broadly enough that it can be used both by those classifying by location and by those employing a more top-down approach to the delineation of the establishment. Establishments engaged in activities that facilitate, or are otherwise related to, the various types of intermediation are included in multiple subsectors, rather than in a separate subsector dedicated to services alone, because these services are performed by intermediaries, as well as by specialist establishments, and the extent to which the activity of the intermediaries can be separately identified is not clear. Financial industries are extensive users of electronic means for facilitating the verification of financial balances, authorizing transactions, transferring funds to and from transactors' accounts, notifying banks (or credit card issuers) of the individual transactions, and providing daily summaries. Since these transaction processing activities are integral to the production of finance and insurance services, establishments that principally provide a financial transaction processing service are classified in this sector, rather than in the data processing industry in the Information sector. Legal entities that hold portfolios of assets on behalf of others are significant and data on them are required for a variety of purposes. Thus, for NAICS, these funds, trusts, and other financial vehicles are the fifth subsector of the Finance and Insurance sector. These entities earn interest, dividends, and other property income, but have little or no employment and no revenue from the sale of services. Separate establishments and employees devoted to the management of funds are classified in Industry Group 5239, Other Financial Investment Activities. |
| 522 | Credit Intermediation and Related Activities 3-digit subsector | Industries in the Credit Intermediation and Related Activities subsector group establishments that (1) lend funds raised from depositors; (2) lend funds raised from credit market borrowing; or (3) facilitate the lending of funds or issuance of credit by engaging in such activities as mortgage and loan brokerage, clearinghouse and reserve services, and check cashing services. |
| 5221 | Depository Credit Intermediation 4-digit industry group | This industry group comprises establishments primarily engaged in accepting deposits (or share deposits) and in lending funds from these deposits. Within this group, industries are defined on the basis of differences in the types of deposit liabilities assumed and in the nature of the credit extended. |
| 52218 | Savings Institutions and Other Depository Credit Intermediation 5-digit NAICS industry | See industry description for 522180. |
| 522180 | 預金機関およびその他の貸付中間業 6-digit U.S. detail | この産業は、主に預金を受け付け、住宅、不動産、およびその他の消費者および商業融資を行い、高格付けの証券への投資を行う事業を主な活動とする企業で構成されています（ただし、商業銀行および信用組合を除く）。預金組合、貯蓄銀行、私設銀行（つまり、 unincorporated banks）、および「産業銀行」または「モリス計画」と呼ばれる企業で、主に預金を受け付けるものがこの産業に含まれます。 |
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Classification References
- 01預金と各種融資の受け入れ--は産業 522110、商業銀行に分類されます。
- 02協同組合における組合員の株式預金を受け取る--は産業 522130、信用組合に分類されます。
- 03他の市場で融資を買い、集約し、再パッケージ化し、および産業銀行やモーリス計画と呼ばれるもので、主に預金以外の信用を提供する機関--は、U.S. 産業 522299、国際、二次市場、およびすべての預金以外の信用仲介に分類されます。
Index Items
協会、貯蓄銀行
銀行、産業（すなわち、預金銀行）
銀行、民間（すなわち、 unincorporated）
銀行、貯蓄
連邦貯蓄および信用組合（S&L）
連邦貯蓄銀行
産業銀行（すなわち、預金銀行）
機関、貯蓄
モーリス計画（すなわち、預金銀行）
相互貯蓄銀行
計画、モーリス（すなわち、預金銀行）
民間銀行（すなわち、 unincorporated）
貯蓄および信用組合（S&L）
貯蓄銀行
貯蓄機関
州貯蓄および信用組合
州貯蓄銀行
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External Resources
Census.gov NAICS Detail
Official US Census Bureau definition and scope for NAICS 522180.
American Bankers Association
A leading trade association for U.S. commercial banks and savings institutions providing advocacy and resources.
Federal Reserve Board
The primary government regulator overseeing monetary policy and the stability of savings institutions and depository entities.
Safetynet
An industry directory and resource hub specifically focused on the savings industry and financial services professionals.
