Designing physical and mental health
into the workplace

DBJ Employees’ Health Management Rated Loan Program

By publicizing outstanding examples of the many companies we have rated for their efforts in employee health and workplace management, we hope to encourage a change in approach: from “sick care” (treating illness which has already occurred) to “health care” (working proactively to maintain health), and in this way to promote employee wellness and more sustainable companies and communities.
Our aim in encouraging the spread of health management ratings is to foster dialogue between our clients and their employees, investors and other stakeholders, express the value of employee health and welfare initiatives in visible form, and see that these are reflected in a company’s value.


The DBJ Employees' Health Management Rated Loan Program is the world’s first financing menu to incorporate health management ratings. Using a proprietary screening system, DBJ rates enterprises on the quality of their care for employee health and their working conditions, and offers financing conditions based on the results.

DBJ Employees’ Health Management Rated Loan Program

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.

Area Assessment item
Health supervision
  • A Occupational health and safety
  • B Labor management
  • C Physical examinations・Stress checks
  • D Compliance
  • E Health management initiatives
Health management I
(General management)
  • F Management framework for corporate health initiatives
  • G Analysis and understanding of employee health status
  • H Establishment of targets and plans for employee health
  • I Information disclosure
Health management II
  • J Measures for lifestyle-related diseases
  • K Measures for mental health
  • L Workplace engagement measures
  • M Activities as a socially responsible company; activities contributing to community health
  • N Outstanding health management initiatives

* Screening sheets are updated annually after consultations with outside experts and the outside authorities on the Advisory Committee to ensure that they incorporate the most recent trends in the field.

* Target clients
Clients who are located in Japan and meet the requirements established by DBJ.

* Use of funds
Same conditions as for ordinary loans; no special restrictions.