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On May 15, 1972 a day commemorating Okinawa's reversion to Japan, the ODFC was established in accordance with the stipulations of the Okinawa Development Finance Corporation Law, for handling various policy-oriented loans comprehensively throughout Okinawa.

The ODFC aims to promote industrial development in Okinawa by providing long-term loans to support private capital investments or to supplement funding from private financial institutions. The ODFC will also finance citizens who have met difficulties obtaining funding from private financial institutions, including those in need of housing, persons in the field of agriculture, forestry, fisheries, owners of small and / or medium-sized businesses, those opening hospitals or other medical facilities, and those venturing into the service industry, subject to public health standards. Through these financial assistances, the ODFC aims to vitalize the local economy and aid in the development of the local society.

The ODFC provides,in Okinawa, services that are provided in mainland Japan by three institutions. Namely, Japan Finance Corporation (former National Life Finace Corporation, former Japan Finance Corporation for Small Business, and former Agriculture, Forestry, and Fisheries Finance Corporation), Japan Housing Finance Agency and Welfare and Medical Service Agency (excluding social welfare loans), excluding international finance department of Japan Finance Corporation.

ODFC offers the following services: Industrial Development Loans, Small and Medium-sized Business Loans, Micro Business Loans, Educational Loans, Pension-Secured Loans, Housing Loans, Primary Sector(Agriculture, Forestry and Fisheries)Loans, Medical Services Loans and Environmental Health Business Loans. The ODFC also functions as an agent for securitization support of Japan Housing Finance Agency, loans offered by Employment and Human Resources Development Organization of Japan, and management and collection of loans of old Government Pension Investment Fund for Welfare and Medical Service Agency.
 

In Japan, the Financial Services Agency (金融庁, Kin'yūchō) is responsible for overseeing banking services in order to ensure the stability of the financial system of Japan. Bank of Japan (BOJ) is not a regulatory authority under the Banking Act, but it conducts on-site examinations in order to maintain a safe and sound financial system. These examinations are based on bilateral agreements between the BOJ and financial institutions that have current accounts with it under the Bank of Japan Act.