The Risk Data Bank of Japan, Limited (RDB) was established in April 2000 with 21 Japanese financial institutions and companies. The purpose was to compile a quantitative pool data on defaulted obligors[1]. The pool data is achieved through the concerted efforts of members, bringing along their obligors' loan data. By using these rich data, RDB provides not only large and high-quality database but also credit risk models to sophisticate loan business, internal rating system and other voluminous service, for more than 50 member banks.

In October 2002, a new database covering sole proprietorships started in addition to the corporate business database. In April 2006, a pool data on loss given at default (LGD) was added, and now RDB has realized a framework comprehensively providing quantitative data needed for credit risk assessments. Furthermore, RDB also puts effort into providing various solutions based on the database. Model building, data analysis, and the publication of "RDB Enterprise Default Ratio" is one such example.

[1] The database intends to perform quantitative analysis, and so does not hold such information as specific names and locations which identify individual company or person.