Later, in 1905, in order to tap the potential of this stock of capital, the Japanese government passed a law creating "joint-stock mutual loan companies" and later also encouraged these small companies to increase their capitalization, merge and become "mutual financing banks." In 1989, these again changed into ordinary commercial banks, and their traditional mutual loan business gradually declined.
後來日本政府為疏導這股資金的勢力，於西元一九○五年立法成立「無盡株式會社」，後又引導這些規模不大的會社增資、合併，改制為「相互銀行」；到一九八九年，又改制為一般商業銀行，傳統的合會業務便逐漸式微了。