Capacity assessment in financial institution

Jin Narumoto

Department of Psychiatry, Graduate School of Medical Science, Kyoto Prefectural University of Medicine

Financial institutions are obliged to assess capacity of their customers to make appropriate contract with them.　They can use monitoring of the customer's activities, checklists, cognitive tests, assessment of conversation regarding contract and certification from the doctor.　There are advantage and disadvantage in each way in terms of cost and acceptability of customers.　For example, monitoring can be introduced without training for employees, although it might be difficult to get permission from customers.　Administering cognitive test requires training for employees although they can get objective scores.　Academic-Industrial Collaboration is important in this field.

Address correspondence to Dr. Jin Narumoto, Department of Psychiatry, Graduate School of Medical Science, Kyoto Prefectural University of Medicine（465 Kajii-cho, Kawaramachi-Hirokoji, Kamigyo-ku, Kyoto 602-8566, Japan）