Forget Europe – Japan’s debt is the real threat, says former Soros adviser

By James McKeigue Jun 21, 2012

James McKeigue

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While everyone is focusing on Europe, a far more dangerous debt crisis is developing, says a former adviser to billionaire investor George Soros. Takeshi Fujimaki now runs his own investment company in Japan, but is best known for helping the legendary Hungarian-American investor.

Fujimaki thinks that Japan’s debt situation is far worse than Europe’s: “Japan is likely to default before Europe does, which could be in the next five years”, he told Bloomberg.

If Japan were to default, it would have a huge impact on the world’s financial system. At $10 trillion, the country’s debt pile is the second biggest in the world. Compared to the size of the economy, the situation is even worse. It is 236% of GDP, compared to 153% in Europe’s most-indebted country, Greece. 

“The yen and the JGB [Japanese government bond] market are in a bubble”, Fujimaki said. “With the gigantic debt Japan has accumulated, a thin needle, or even a gentle breeze may pop this. Events in Europe can possibly trigger this to blow up.”

His advice? Investors should look for stronger currencies, such as the US dollar, Swiss franc, Australian and Canadian dollars, and even sterling. Fujimaki says that he is already buying dollars “in case of an emergency”.


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Of course, Japan’s mammoth debt levels are no secret. Until now markets have remained sanguine about default because only about 7% of it is held by international investors. The rest is owned by domestic savers who have remained faithful buyers, keeping yields low.

However, Fujimaki thinks that faith will not last forever. “There’s no way out of Japan’s crisis,” he said. “The only option left for Japan is either default or print money into hyper-inflation.”

A Japanese default would rattle investor confidence and almost certainly send stock markets plunging in the short term. But it could also provide opportunities. For example, Fujimaki thinks the value of the yen would collapse, from the current rate of about 80 per dollar to around 500. That would be great for some of the country’s exporters.

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  • 1. Connor

    (21 June 2012, 04:33PM)  Complain about this comment

    "A Japanese default would ... almost certainly send stock markets plunging."

    Er, right, I can see that, as I can see the size of their debt pile. The question remains as to why then Japan remains a firm favourite with the MoneyWeek team .... presumably they don't believe a default will occur, which suggests more money printing. I suppose one has to wonder what Japanese citizen would ever vote for a default (given 93% of JGBs are held by Japanese. It's pretty clear that savers and investors here and in the US prefer inflation to default, even if they hate it. I can't see why the Japanese would be so different. Nonetheless, Japanese stocks have been a firm buy / hold with MoneyWeek and it seems rather odd that they should post a story w/o making a comment concerning their prior recommendations.

  • 2. Praxeologue

    (22 June 2012, 09:48AM)  Complain about this comment

    I think this obsession with Japan's government debt to GDP ignores some relatively useful factors in Japan's favour versus the west. They have vast government assets in various entities, eg fx reserves, which when offset against the gross debt reduces their government debt by about a half to levels sadly now familiar across the western world (who do not on the whole have similar assets).

    Secondly, the private sector in Japan has reduced its debt over the last two decades to around half of GDP, a very low figure versus the west.

    Finally corporate sector is famously cash rich (whether it is wise to hold cash is a topic for another day) but again, this is very unlike their international peers who may have a lot of cash but correspondingly have a great deal of debt.

  • 3. Omega

    (22 June 2012, 12:19PM)  Complain about this comment

    Net external debt in Japan is 45% of GDP while in the UK it's almost 400% of GDP. Given that much of the debt is held domestically the Japanese Government could reduce the servicing cost of this debt by increasing taxes on interest payments. Japan's Net External Assets are about 50% of GDP, the income from these assets can cover the interest cost on its External Debt.

    I think the country will have big problems over the next decade, as it has to import all its oil and gas, and has demographic (age) problems. But then these factors are going to affect much of the industrialized world - Japan will be first but it's better positioned to withstand in my opinion as it has social cohesion which does not exist in the big cities of the UK and US.

  • 4. Kevin Dunn

    (22 June 2012, 02:14PM)  Complain about this comment

    @Omega
    I'm very interested to hear why you believe Japan has "social cohesion which does not exist in big cities of UK and US" [sic]

  • 5. Omega

    (22 June 2012, 03:12PM)  Complain about this comment

    Kevin,

    Japan's population is 98.5% in indigenous and therefore people are more likely to share common values and have a greater sense of community. Therefore, they are more likely to see problems as common to each another and will work together to find solutions. There are not any minorities that can be scapegoated and the potential for minority conflicts are small.

    Contrast that with the UK, especially London, we have huge numbers of different cultures, religions, languages, values. I think many groups do not really like each other and this may not be a problem in good times but when things go bad then people will tend to remember the reasons (real or imagined) why they never really liked each other and conflict will result. The potential of this sort of minority conflict is high in the UK. The Government has prepared for this, they have security cameras everywhere, email, telephone communications are spied on and they have emergency laws that can be activated.

  • 6. Kevin Dunn

    (22 June 2012, 03:44PM)  Complain about this comment

    Omega, it's a myth.

    Japan is not the homogeneous society it is often portrayed as (an invention by the upper classes and politicians during the Meiji restoration http://tinyurl.com/7al6juy - believed by many less educated Japanese and international media since).

    While it's true Japan doesn't have quite the number of recent migrants as England, let's not forget the large populations of Koreans and Chinese that have made Japan there home for century's.

    In Japan there is social, and financial disparity like any Western nation. There are various cultures and languages and the only truly indigenous people of Japan are the Ainu of Hokkaido. The so-called "race" of Japanese are a mix of Ainu, the Ryukyuan from Okinawa, the original Jōmon, the Yayoi immigrants, and the constant flow of Chinese and Korean immigrants. How different is this to the UK?

  • 7. Omega

    (22 June 2012, 05:27PM)  Complain about this comment

    Kevin,

    According to the CIA World Factbook Japan is: Japanese 98.5%, Koreans 0.5%, Chinese 0.4%, other 0.6%

    Social and financial disparities are well below what they are in the UK - They do not have 30% unemployment (I include economically inactive) as we do here. Their saving are higher, literacy and life expectancy is the highest in the world.

    They do no riot for nothing as in the UK, and you only need to look at the way they coped after last year's disaster to see evidence of strong social cohesion. Although their government is stupid.

    The article by Maki Morinaga and your point about the origins of the race may well be true but this does not invalidate my previous point that Japan is far less likely to fall into social chaos as I think will happen in UK, US and Europe as the economic situation worsens.

  • 8. Kevin Dunn

    (22 June 2012, 08:10PM)  Complain about this comment

    Omega,
    Part 1

    I appreciate your point of view which probably reflects the majority view from where you live. I would take issue with these views however.

    I have lived here in Japan for over ten years and in that time have made a point to learn about and understand the reality of what to most outside the country is a mysterious yet almost utopian-like, modern exotica of a nation. This is largely manufactured by the media, and encouraged by the Japanese themselves who have always generally felt an inferiority complex to the more politically, scientifically and technologically advanced west, juxtaposed with a deeply held national pride.

  • 9. Kevin Dunn

    (22 June 2012, 08:10PM)  Complain about this comment

    Part 2
    Japan does report a dubiously low unemployment rate that does not include the thousands of people who can only find part-time, or seasonal work, and Japan's productivity levels per worker are embarrassingly low with many employed paid to just sit at their desks or guard a foot-long hole in the side-walk - though this is inefficiency is improving now.

    Agreed they have historically been big savers, literacy rates are good, but I argue practically equal to most other developed nations. Life expectancy rates here are also excellent here.

  • 10. Kevin Dunn

    (22 June 2012, 08:11PM)  Complain about this comment

    Part 3

    You're right they rarely riot or protest, but ultimately to their own detriment as they have put full and unquestioning trust in a government they now realise lies to them and is running their country into the ground. While that could be said of any nations government, most other populations make a stand when they feel they are being misrepresented or oppressed, Japanese, sadly, seem to lack any ability to stand up for their rights to make a change for good.

    So I suppose you're right, they are much less likely to create social chaos, but they are also more likely to let their government walk all over them without so much as a waved fist. This worries me, perhaps as much as you worry Europe will fall into chaos.

  • 11. Boris MacDonut

    (24 June 2012, 07:01PM)  Complain about this comment

    Not so much their debt ,though admittedly huge, than their indecisive and dishonest leadership barely held to account by a docile people. If and when a real crisis hits Japan will be frozen and unable to respond.

  • 12. ProSocial

    (29 June 2012, 05:04PM)  Complain about this comment

    Kevin Dunn,

    im so in doubt bout you said :

    In Japan there is social, and financial disparity like any Western nation. There are various cultures and languages and the only truly indigenous people of Japan are the Ainu of Hokkaido. The so-called "race" of Japanese are a mix of Ainu, the Ryukyuan from Okinawa, the original Jōmon, the Yayoi immigrants, and the constant flow of Chinese and Korean immigrants. How different is this to the UK?

    Im a japanese so i know much more about our history and culture than you, we are not talking any lies or giving bad side to westerns, i want to clear all you said, are you sure you live for ten years in japan ?
    1st: there are no other culture in japan other than "japanese culture" and same as tradition, (CONT.)

  • 13. ProSocial

    (29 June 2012, 05:07PM)  Complain about this comment

    PART 2 :

    2nd: our mainly language is japanese "nihonggo" but in some region has only some different intonation but same language only different in ryukyuan language but they also mainly speak in japanese "nihonggo",
    3rd: and about the so called race "japanese" first ancient from Jōmon people that lately known that ainu and ryukyuan people is from Jōmon people followed by Yayoi people that known as japanese now,
    There some chinese and korean migrants in japan during the late period not the early period,so dont add chinese and koreans to be part of japanese ancestors,we even have different language,cultures,traditions,and even different look, maybe just westerners like you dont know, same some asians when see white peoples they will its from USA even not,anyways we must not be racist,respect each other

  • 14. Ayumi

    (30 June 2012, 05:07PM)  Complain about this comment

    I remember one time one bank financial advisor ask me to invest JGB when I wanted to save a cash into my account. I asked her why you recommend the JGB? why dont recommend other country's stuff? She told Japan is the best bacause It dont have a risk very very safety and she also bought a lot...but I know Japan has many debt so I dont buy it. I know many Japanese still held a lot this and some people still buying it but like the advisor Fujimaki said that faith will not last forever. Anyway Im worry the japan future too...

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