790 Glossary for Terms15 Services Industry Persons working at the location of establishment < Monthly Survey on Service Industries > Persons working at the location of establishment include all persons who are engaged in the business of the establishment or enterprise, etc. on the business day nearest to the end of the month (for annual survey, the end of June in the survey year) (excluding dispatched or temporalily transferred employees to other enterprise, but including those who work as dispatched or temporalily transferred employees from other enterprise). Regular employees Those who have been employed indefinitely or more than one month or those who were employed for 18 days in the survey month and the previous month (for annual survey, May and June). 16 Finance and Insurance Basic loan rates Various interest rates are currently determined by arbitrage in the financial markets. Under these circumstances, the former official discount rates, now called basic loan rates, serve as the applicable interest rates for Lombard-type lending (a lending facility through which the Bank of Japan passively provides loans within the limits of collateral, in accordance with conditions predetermined by the Bank and in response to applications from borrowers) and define the upper limit of the unsecured call rate (overnight). Domestically licensed banks Domestically licensed banks refer to banks which are established and licensed under the Japanese legislation (excluding the Bank of Japan and government-related organisations). Loans and bills discounted These include bills discounted, loans on bills, loans on deeds, and overdrafts and exclude call loans, bills bought, and foreign exchange accounts. Housing loans Loans to households for the purchase of housing (excluding purchases for business purposes). Installment repayments are repayments that continue for at least 2 months and require at least 3 installments. These include not only loans for construction, rebuilding, and purchases of homes, but also those for purchases of land for residential use. Consumer loans Loans to households for purchase of consumer goods and services (excluding purchases for business purposes). Total of loans with installment repayments and card loans (overdraft-type card loans consumer loans based on the small-amount financing system for workers, and cash advance loans). Consumer loans include loans for nonspecified consumer expenses. Prime lending rates In general, the long-term prime lending rate refers to the prime rate applied by financial institutions to long-term loans to blue-chip enterprises (loans for a period of one year or longer). The short-term prime lending rate refers to the prime rate applied by financial institutions to short-term loans to blue-chip enterprises (loans for a period of less than one year). Bills cleared The total number and amount of bills and checks, etc. collected by participating banks through electronic clearing houses among bills and checks, etc. entrusted by customers. Amount of bills cleared with other banks The total number and amount of bills and checks, etc. payable to other participating banks. Department stores Department stores are defined as establishments falling under the classification of "department stores and general merchandise supermarkets" by the Japan Standard Industrial Classification, and do not come under the classification of supermarkets, with a floor area of 3,000 square metres or more in the ku-area of Tokyo and the ordinance-designated cities, and of 1,500 square metres or more in all other regions. Supermarkets Supermarkets refer to establishments adopting the self-service method for 50 percent or more of floor area, and having at least 1,500 square metres of sales floor area. However, subsidiaries of large-scale specialty retailers for home electric appliances, drugstores and home improvement stores targeted in this survey are excluded. Full-time employees Those who are generally called fulltime regular employees and staff. Non-regular workers (Those Workers Other Than Regular Employees) Those who have been employed for a limited period of one month or less or employed on a day-to-day basis. Persons temporarily transferred or dispatched from separately-managed establishment or enterprise, etc. Those who come from other enterprises, etc. and work at this establishment or enterprise, etc. remaining members of a transferring company, such as a temporary transfer with their enrollment in the transferring company, in addition to dispatched workers set forth in the Act for Securing the Proper Operation of Worker Dispatching Undertakings and Improved Working Conditions for Dispatched Workers (Act No. 88 of 1985). Establishment An "establishment" is defined as a single physical location where an economic activity is conducted and as a general rule, the following prerequisites are satisfied: (1) An economic activity is carried out, under a single entity of management, at a certain fixed place, occupying a demarcated area. (2) The production or supply of goods and services is done on a continuing basis with the help of people and equipment. Enterprise, etc. An "enterprise" is defined as a corporation (excluding foreign companies) conducting business activities or an establishment of individual proprietorship (if the enterprise is managed under individual proprietorship and the same manager manages multiple establishments, the establishments become collectively a single enterprise). "Enterprise, etc." refers to those entities, including a part of public enterprises, etc. operated by an enterprise and the national government or a local government. Sales (income) This is sales (income) for supply of services and sales of article (including indirect tax, consumption tax, etc.) in the establishment or enterprise, etc. The sales (income) are including cost such as purchase amount and salary and total income from all operations of the establishment or enterprise, etc. However, nonbusiness interest and dividend income, such as those accrued from deposits and securities, nonbusiness income gained from the sale of securities or properties such as land and buildings, and borrowing are excluded. Sales (income), etc. are tabulated by unit of establishment or enterprises, etc. and by business activity. Postal services Postal services in Japan are provided by Japan Post Co., Ltd. in accordance with the Postal Act. The mail handled by Japan Post Co., Ltd. is composed of letter mail and parcel post. Letter mail consists of domestic and international, with the domestic mail composed of ordinary and special (i.e., registered, express mail, delivery recorded) mail. Parcel post consists of Yu-Pack for ordinary parcels and Yu-Mail for printed matter.
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