Risk of stock lending

The stock lending, it is possible to take the form that lends his holdings in securities companies, and is a service that can receive interest. SBI Securities, kabu.com Securities, such as Monex is, we are a stock lending services. (By the way securities company is a strain that was borrowed, has been lending to such people who want to short sale)

In long-term investment is the premise of the brand, the time being, such as if there is no intention to sell, it is wasteful story only holds as it is. If you put out to stock lending, and interest income is obtained of the year around 0.5% (securities company or brand, varies depending on the interest rate situation). In stock lending services of net securities, "dividend" that should no longer get the original by the name change also, most cases separately obtained a dividend payment from the securities company.

Also if there is a shareholder benefits, you will not get it normally, but it seems in the above net securities some systems return the preferential right to stop the stock lending automatically to preferential rights day just before. In other words, even in a state that made the stock lending in the current net securities, dividends and shareholder benefits to get as it is, and that the interest income of the stock lending worth can also be obtained, services of overwhelming have been expanded.
Or this way Although it is stock lending system that is visible us perfect thing good, Will not something problem? The most attention should that be is, by performing a stock lending, if bankruptcy is any chance securities company, is that you also are at risk to suffer damage. On shares that were usually purchased have a name to the original purchaser, because the securities company have an obligation to be managed separately from the company's assets, even if securities company of what is in your assets even if the bankruptcy impact There is not. But in stock lending, because the name of stocks has shifted to securities companies, since is regarded as an asset of the securities company, if bankruptcy and was sold as a supplement to the creditor, in your hand you do not come back also, even for one yen There is even fear. This means that stock lending services, whether there is no risk that securities company to your use collapses, there is a need to assess fully.

Another problem is, even if I get from the dividend equivalent amount of securities company, it is to be treated not defined on the "dividend". Dividend is declared separate taxation as "dividend income", but will be subject to comprehensive taxation when it comes to receipts from the securities company as "miscellaneous income". Many people of income, will be the loss more and more tax when it comes to miscellaneous income treatment. The dividend income, you can sell loss and offset of profits and losses, such as stocks and mutual funds (come back taxes) is not possible offset of profits and losses in miscellaneous income.

..... On the risk of the above two points, and you should consider whether or not to use the stock lending services. By the way, another one point, by the name of the stock is transferred to the securities company, but there is also a disadvantage of voting rights is lost in the general meeting of shareholders, because private investment useless nearly such as voting rights for the house, would not be much of a problem is this point .