6-digit U.S. detail
522390
信用仲介に関連するその他の活動
Description
この産業は、主に信用仲介（住宅ローンおよびローンブローカー、および金融取引処理、準備金および清算活動を除く）を促進する事業を主な対象とする。
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. |
| 5223 | Activities Related to Credit Intermediation 4-digit industry group | This industry group comprises establishments primarily engaged in facilitating credit intermediation by performing activities, such as arranging loans by bringing borrowers and lenders together and clearing checks and credit card transactions. |
| 52239 | Other Activities Related to Credit Intermediation 5-digit NAICS industry | Other activities related to credit intermediation. |
| 522390 | 信用仲介に関連するその他の活動 6-digit U.S. detail | この産業は、主に信用仲介（住宅ローンおよびローンブローカー、および金融取引処理、準備金および清算活動を除く）を促進する事業を主な対象とする。 |
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Classification References
- 01貸付業務を委託して手数料またはコミッションで取り扱う業務--は522310、住宅ローンおよび非住宅ローンブローカー業界に分類されます。
- 02金融取引、預金および決済機関業務（商品または証券取引サービスを除く）--は522320、金融取引、預金および決済機関業務業界に分類されます。
- 03商品または証券の売買を促進するための物理的または電子的な市場を提供する--は523210、証券および商品取引市場業界に分類されます。
- 04商品または証券の取引清算機関を運営する--はU.S. 523999、その他の金融投資活動業界に分類されます。
- 05外国為替取引および仲介--は523160、商品取引契約仲介業界に分類されます。
- 06エスクローサービス（不動産を除く）を提供する--はU.S. 523991、信託、ファイナンシャルおよび保管業務業界に分類されます。
- 07質屋を運営する--はU.S. 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業務業界に分類されます。
Index Items
現金の受け取りサービス
ローン管理サービス
マネーオーダー発行サービス
マネー伝送サービス
即払いローンサービス
旅行者チェック発行サービス
How Item Can Help
This tool provides predictive analytics for credit intermediaries to identify customer payment risks early, allowing businesses to adjust credit lines before defaults occur and optimize their capital allocation for high-performing clients.
By offering real-time visibility into inventory levels and shipment statuses, WMS helps intermediaries provide accurate collateral valuation to lenders, ensuring that loan terms are based on the true market value of the assets.
TMS optimizes logistics routes and delivery schedules to reduce shipping costs and carbon footprints, enabling credit intermediaries to lower operating expenses and improve their net interest margins.
External Resources
Census.gov NAICS Detail
Official US Census Bureau definition and scope for NAICS 522390.
National Federation of Credit Unions
A major trade association representing credit unions that perform credit intermediation activities.
Federal Reserve Board of Governors
A U.S. government resource providing regulatory guidance on credit unions and their intermediation functions.
NAICS.gov
The official U.S. government directory defining and cataloging NAICS code 522390 with related industry statistics.
