Japanese Business Glossary

帳合先 (choaizaki) is a Japanese term that refers to a company or individual with whom a business has regular financial transactions or accounting relationships. It can be translated as "accounting partner" or "trading partner" in English.

This term is used to describe entities that are regularly involved in business dealings and financial exchanges, such as suppliers, customers, or other business associates. Maintaining accurate and transparent records with choaizaki is crucial for effective financial management and auditing.

既往 (kio) is a Japanese term that translates to "past" or "previous" in English. It is often used in medical, legal, and business contexts to refer to prior events, conditions, or experiences.

In a medical context, kio can refer to a patient's medical history or previous illnesses. In a legal or business context, it can pertain to past agreements, transactions, or historical data.

振込手数料 (furikomi tesuryo) is a Japanese term that translates to "transfer fee" or "remittance fee" in English. It refers to the fee charged by banks or financial institutions for processing a funds transfer between accounts. This fee can vary depending on several factors, such as the type of account, the amount being transferred, the method of transfer, and whether the transfer is domestic or international.

Understanding furikomi tesuryo is important for managing banking costs, especially for businesses and individuals who frequently transfer funds.

通信費 (tsushinhi) is a Japanese term that translates to "communication expenses" in English. It refers to the costs associated with various forms of communication, such as telephone, internet, fax, and postage services.

In a business context, tsushinhi includes expenses for office communication systems, mobile phone bills for employees, internet service provider charges, and any other costs related to maintaining effective communication channels.

郵便振替 (yubin furikae) is a Japanese term that translates to "postal transfer" or "postal remittance" in English. It refers to a service provided by Japan Post that allows individuals and businesses to transfer funds between postal savings accounts or make payments through the postal network.

This service is commonly used for paying bills, such as utilities, taxes, and insurance premiums, as well as for transferring money between individuals or organizations. The convenience and wide accessibility of yubin furikae make it a popular option for financial transactions in Japan.

個人年金保険 (kojin nenkin hoken) refers to individual annuity insurance in Japan. This type of insurance policy is designed to provide a steady stream of income to individuals after they retire.

Policyholders make regular premium payments during their working years, and in return, the insurance company agrees to pay out a fixed amount of money at regular intervals after the policyholder reaches a certain age, typically retirement age. These payments can be structured to continue for a specific period or for the remainder of the policyholder’s life.

Individual annuity insurance is a way for people to ensure they have a reliable income during retirement, supplementing public pension systems like the national pension (国民年金, kokumin nenkin) and employees' pension insurance (厚生年金, kosei nenkin). It helps individuals plan for financial stability in their later years, covering living expenses, medical costs, and other needs. This type of insurance is particularly important in a country like Japan, where the population is aging, and there is a growing need for retirement planning and financial security for the elderly.