国際、二次市場、およびその他のノンデポジット信用仲介
Description
この米国産業は、（1）米国の輸出業者に作業資本資金を提供し、米国の商品を購入する外国の買い手、または輸入商品の購入する国内の買い手に資金を貸し付けることに主に従事する事業所、（2）他の事業者に貸し付けたローンを二次市場で売買するために、購入、プール、および再パッケージ化を行う事業所、（3）クレジットカード発行、販売融資、消費者融資、および不動産融資を除く、その他のノンデポジット信用を提供する事業所に従事する事業所を含みます。この産業の主な融資の例としては、短期の在庫融資、農業融資（不動産および販売融資を除く）、および個人所有による消費者現金融資などがあります。 例: コメディットクレジットコーポレーション 売上債権のファクタリング 産業銀行（すなわち、ノンデポジット） 国際貿易融資 モーリスプラン（すなわち、ノンデポジット） 質屋 二次市場融資
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. |
| 5222 | Nondepository Credit Intermediation 4-digit industry group | This industry group comprises establishments, both public (government-sponsored enterprises) and private, primarily engaged in extending credit or lending funds raised by credit market borrowing, such as issuing commercial paper or other debt instruments or by borrowing from other financial intermediaries. Within this group, industries are defined on the basis of the type of credit being extended. |
| 52229 | Other Nondepository Credit Intermediation 5-digit NAICS industry | This industry comprises establishments primarily engaged in making cash loans or extending credit through credit instruments (except credit cards and sales finance agreements). Illustrative Examples: Consumer finance companies (i.e., unsecured cash loans) Mortgage companies International trade financing |
| 522299 | 国際、二次市場、およびその他のノンデポジット信用仲介 6-digit U.S. detail | この米国産業は、（1）米国の輸出業者に作業資本資金を提供し、米国の商品を購入する外国の買い手、または輸入商品の購入する国内の買い手に資金を貸し付けることに主に従事する事業所、（2）他の事業者に貸し付けたローンを二次市場で売買するために、購入、プール、および再パッケージ化を行う事業所、（3）クレジットカード発行、販売融資、消費者融資、および不動産融資を除く、その他のノンデポジット信用を提供する事業所に従事する事業所を含みます。この産業の主な融資の例としては、短期の在庫融資、農業融資（不動産および販売融資を除く）、および個人所有による消費者現金融資などがあります。 例: コメディットクレジットコーポレーション 売上債権のファクタリング 産業銀行（すなわち、ノンデポジット） 国際貿易融資 モーリスプラン（すなわち、ノンデポジット） 質屋 二次市場融資 |
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Classification References
- 01主に信用販売の資金提供を行う事業所は、業界 522210、クレジットカード発行に分類されます。
- 02販売ファイナンスまたは販売ファイナンスとリースを組み合わせた事業所は、業界 522220、販売ファイナンスに分類されます。
- 03主に消費者に無担保現金を貸し付ける事業所は、米国業界 522291、消費者融資に分類されます。
- 04不動産を担保として資金を貸し付ける事業所は、米国業界 522292、不動産融資に分類されます。
- 05預金を受け取り、これらの預金から資金を貸し付ける事業所は、業界グループ 5221、預金信用仲介に分類されます。
- 06工業銀行またはモーリス計画として知られ、主に預金を受け付ける事業所は、業界 522180、貯蓄機関およびその他の預金信用仲介に分類されます。
- 07手数料または手数料に基づいて、他の人のために国際貿易融資をアレンジする事業所は、業界 522310、住宅ローンおよび非住宅ローンブローカーに分類されます。
- 08国際貿易融資を保証する事業所は、米国業界 524126、直接不動産および損害賠償保険会社に分類されます。
Index Items
外国銀行の支店（つまり、貿易ファイナンス）
合意企業（つまり、国際貿易ファイナンス）
農業信用機関、融資または信用提供（不動産、販売ファイナンスを除く）
農業融資（不動産、販売ファイナンスを除く）
銀行、工業（つまり、既知の）
銀行、貿易（つまり、国際貿易ファイナンス）
自動車タイトル融資
コメディティ・クレジット・コーポレーション
エッジ法企業
輸出取引会社（つまり、国際貿易ファイナンス）
輸出入銀行
売上債権ファクタリング
連邦農業住宅機構
連邦ホームローン銀行（FHLB）
連邦ホームローンモーゲージ・コーポレーション（FHLMC）
連邦中間信用銀行
連邦国立モーゲージ・アソシエーション（FNMA）
FHLMC（連邦ホームローンモーゲージ・コーポレーション）
二次市場ファイナンス
FNMA（連邦国立モーゲージ・アソシエーション）
GNMA（政府国立モーゲージ・アソシエーション）
政府系企業が二次市場ファイナンスを提供する
工業銀行（つまり、既知の）
工業ローン会社
国際貿易ファイナンス
モーリス計画（つまり、既知の）
全国信用組合管理庁（NCUA）
質屋
モーリス計画（つまり、既知の）
売上債権の購入
不動産モーゲージ投資コンジット（REMICs）発行、民間
REMIC（不動産モーゲージ投資コンジット）発行、民間
他の人に販売するためのローンを再パッケージ化（つまり、民間コンジット）
二次市場ファイナンス（つまり、購入、プール、他の人に販売するためのローンを再パッケージ化）
短期在庫信用融資
SLMA（学生ローンマーケティング協会）
学生ローンマーケティング協会（SLMA）
貿易銀行（つまり、国際貿易ファイナンス）
国際貿易ファイナンス
How Item Can Help
The Order Management System streamlines complex inventory allocation across multiple fulfillment centers, ensuring that global secondary market traders can rapidly dispatch high-value goods while minimizing shipping costs.
Warehouse Management Systems provide real-time visibility into stock levels and condition, which is critical for managing fragile or time-sensitive securities in the nondepository credit intermediation sector.
By analyzing trade flow patterns and market demand, Data Intelligence tools help credit intermediaries optimize pricing strategies and reduce inventory holding periods for secondary market assets.
External Resources
Census.gov NAICS Detail
Official US Census Bureau definition and scope for NAICS 522299.
National Federation of Credit Unions
A trade association representing financial institutions that often engage in secondary market credit activities. (Note: Credit Unions generally fall under NAICS 522294, but they are the primary real-world example of non-depository credit intermediaries in this category).
Securities and Exchange Commission
The US government regulator that oversees securities markets and enforces regulations for non-depository credit intermediaries.
Directory of Nonprofit Organizations
A government directory that lists various nonprofit organizations, some of which operate in the nondepository credit intermediation sector.
