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<!-- Edited with FutureStage XBRL Solution Library .NET 01-11 -->
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    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_BankingReportableSegmentsMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">銀行業、報告セグメント [メンバー]</link:label>
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    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_CreditGuaranteeCreditAdministrationConsigneeReportableSegmentsMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">信用保証業、与信事務受託業、報告セグメント [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_DividendPaidPerShareClass4PreferredStockSummaryOfBusinessResults_label" xlink:role="http://www.xbrl.org/2003/role/label">1株当たり配当額、第四種優先株式</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_DividendPaidPerShareClass4PreferredStockSummaryOfBusinessResults_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">1株当たり配当額、第四種優先株式、経営指標等</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_DividendPaidPerShareFourthClassPreferredStockDividendsOfSurplus_label" xlink:role="http://www.xbrl.org/2003/role/label">１株当たり配当額</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_DividendPaidPerShareFourthClassPreferredStockDividendsOfSurplus_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">1株当たり配当額、第四種優先株式、剰余金の配当</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_FourthClassPreferredStockMember_label" xlink:role="http://www.xbrl.org/2003/role/label">第四種優先株式</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_FourthClassPreferredStockMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">第四種優先株式 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_FourthClassPreferredStockSharesWithNoVotingRightsMember_label" xlink:role="http://www.xbrl.org/2003/role/label">第四種優先株式</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_FourthClassPreferredStockSharesWithNoVotingRightsMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">第四種優先株式、無議決権株式 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_FourthClassPreferredStockTotalNumberOfIssuedSharesMember_label" xlink:role="http://www.xbrl.org/2003/role/label">第四種優先株式</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_FourthClassPreferredStockTotalNumberOfIssuedSharesMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">第四種優先株式、発行済株式総数 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_FujikawaMasamiMember_label" xlink:role="http://www.xbrl.org/2003/role/label">藤川　雅海</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_FujikawaMasamiMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">藤川　雅海 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_IkutaMasahikoMember_label" xlink:role="http://www.xbrl.org/2003/role/label">生田　雅彦</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_IkutaMasahikoMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">生田　雅彦 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_IncreaseDecreaseInProvisionForOfficersRetirementBenefitsOpeCF_label_1" xlink:role="http://www.xbrl.org/2003/role/label">執行役員退職慰労引当金の増減額（△は減少）</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_IncreaseDecreaseInProvisionForOfficersRetirementBenefitsOpeCF_label_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">執行役員退職慰労引当金の増減額（△は減少）、営業活動によるキャッシュ・フロー</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_IncreaseDecreaseInProvisionForOfficersRetirementBenefitsOpeCF_label" xlink:role="http://www.xbrl.org/2003/role/documentation">執行役員退職慰労引当金の増減額（△は減少）、営業活動によるキャッシュ・フロー</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_InterimDividendPaidPerShareClass4PreferredStockSummaryOfBusinessResults_label" xlink:role="http://www.xbrl.org/2003/role/label">1株当たり中間配当額、第四種優先株式</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_InterimDividendPaidPerShareClass4PreferredStockSummaryOfBusinessResults_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">1株当たり中間配当額、第四種優先株式、経営指標等</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_KikuchiKenichiMember_label" xlink:role="http://www.xbrl.org/2003/role/label">菊池　謙一</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_KikuchiKenichiMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">菊池　謙一 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_KimuraIchiroMember_label" xlink:role="http://www.xbrl.org/2003/role/label">木村　伊知郎</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_KimuraIchiroMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">木村　伊知郎 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_LossOnCancellationOfPayablesUnderSecuritiesLendingTransactionsEL_label" xlink:role="http://www.xbrl.org/2003/role/label">債券貸借取引解約損</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_LossOnCancellationOfPayablesUnderSecuritiesLendingTransactionsEL_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">債券貸借取引解約損、特別損失</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_NagashimaAkinobuMember_label" xlink:role="http://www.xbrl.org/2003/role/label">長島　明伸</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_NagashimaAkinobuMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">長島　明伸 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_NemotoYuichiMember_label" xlink:role="http://www.xbrl.org/2003/role/label">根本　祐一</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_NemotoYuichiMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">根本　祐一 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_NonMonetaryRemunerationRemunerationByCategoryOfDirectorsAndOtherOfficers_label" xlink:role="http://www.xbrl.org/2003/role/label">非金銭報酬等</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_NonMonetaryRemunerationRemunerationByCategoryOfDirectorsAndOtherOfficers_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">非金銭報酬等、役員区分ごとの報酬等</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_NotesRegardingGeneralAndAdministrativeExpensesTextBlock_label" xlink:role="http://www.xbrl.org/2003/role/label">営業経費に関する注記</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_NotesRegardingGeneralAndAdministrativeExpensesTextBlock_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">営業経費に関する注記 [テキストブロック]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_OchiSatoruMember_label" xlink:role="http://www.xbrl.org/2003/role/label">越智　悟</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_OchiSatoruMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">越智　悟 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_OzakiSatoshiMember_label" xlink:role="http://www.xbrl.org/2003/role/label">尾崎　聡</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_OzakiSatoshiMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">尾崎　聡 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_ProvisionForExecutiveOfficersRetirementBenefits_label_1" xlink:role="http://www.xbrl.org/2003/role/label">執行役員退職慰労引当金</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_ProvisionForExecutiveOfficersRetirementBenefits_label_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">執行役員退職慰労引当金</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_ProvisionForExecutiveOfficersRetirementBenefits_label" xlink:role="http://www.xbrl.org/2003/role/documentation">執行役員退職慰労引当金</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_SeoJunichiroMember_label" xlink:role="http://www.xbrl.org/2003/role/label">瀬尾　純一郎</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_SeoJunichiroMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">瀬尾　純一郎 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_SeoTatsuroMember_label" xlink:role="http://www.xbrl.org/2003/role/label">瀬尾　達朗</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_SeoTatsuroMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">瀬尾　達朗 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_ShinoharaSatoruMember_label" xlink:role="http://www.xbrl.org/2003/role/label">篠原　智</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_ShinoharaSatoruMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">篠原　智 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_SugiyamaTsutomuMember_label" xlink:role="http://www.xbrl.org/2003/role/label">杉山　勉</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_SugiyamaTsutomuMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">杉山　勉 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_SuzukiDaisukeMember_label" xlink:role="http://www.xbrl.org/2003/role/label">鈴木　大輔</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_SuzukiDaisukeMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">鈴木　大輔 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_TamiyaHiroshiMember_label" xlink:role="http://www.xbrl.org/2003/role/label">田宮　弘志</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_TamiyaHiroshiMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">田宮　弘志 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_TotalDividendsPaidFourthClassPreferredStockDividendsOfSurplus_label" xlink:role="http://www.xbrl.org/2003/role/label">配当金の総額</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_TotalDividendsPaidFourthClassPreferredStockDividendsOfSurplus_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">配当金の総額、第四種優先株式、剰余金の配当</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_TotalNumberOfIssuedSharesClass4PreferredStockSummaryOfBusinessResults_label" xlink:role="http://www.xbrl.org/2003/role/label">発行済株式、第四種優先株式</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_TotalNumberOfIssuedSharesClass4PreferredStockSummaryOfBusinessResults_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">発行済株式、第四種優先株式、経営指標等</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_YokoiNorieMember_label" xlink:role="http://www.xbrl.org/2003/role/label">横井　のり枝</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jpcrp030000-asr_E03552-000_YokoiNorieMember_label_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">横井　のり枝 [メンバー]</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jppfs_cor_IncreaseDecreaseInProvisionForReimbursementOfDepositsOpeCFBNK_label" xlink:role="http://disclosure.edinet-fsa.go.jp/jppfs/bnk/Consolidated/role/label">睡眠預金払戻損失引当金の増減額（△は減少）</link:label>
    <link:label xml:lang="ja" xlink:type="resource" xlink:label="jppfs_cor_LossGainOnMoneyHeldInTrustOpeCFBNK_label" xlink:role="http://disclosure.edinet-fsa.go.jp/jppfs/bnk/Consolidated/role/label">金銭の信託の運用損益（△は益）</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2020-11-01/jppfs_cor_2020-11-01.xsd#jppfs_cor_LossGainOnMoneyHeldInTrustOpeCFBNK" xlink:label="jppfs_cor_LossGainOnMoneyHeldInTrustOpeCFBNK" />
    <link:loc xlink:type="locator" xlink:href="jpcrp030000-asr-001_E03552-000_2021-03-31_01_2021-06-24.xsd#jpcrp030000-asr_E03552-000_BankingReportableSegmentsMember" xlink:label="jpcrp030000-asr_E03552-000_BankingReportableSegmentsMember" />
    <link:loc xlink:type="locator" xlink:href="jpcrp030000-asr-001_E03552-000_2021-03-31_01_2021-06-24.xsd#jpcrp030000-asr_E03552-000_CreditGuaranteeCreditAdministrationConsigneeReportableSegmentsMember" xlink:label="jpcrp030000-asr_E03552-000_CreditGuaranteeCreditAdministrationConsigneeReportableSegmentsMember" />
    <link:loc xlink:type="locator" xlink:href="jpcrp030000-asr-001_E03552-000_2021-03-31_01_2021-06-24.xsd#jpcrp030000-asr_E03552-000_DividendPaidPerShareClass4PreferredStockSummaryOfBusinessResults" xlink:label="jpcrp030000-asr_E03552-000_DividendPaidPerShareClass4PreferredStockSummaryOfBusinessResults" />
    <link:loc xlink:type="locator" xlink:href="jpcrp030000-asr-001_E03552-000_2021-03-31_01_2021-06-24.xsd#jpcrp030000-asr_E03552-000_DividendPaidPerShareFourthClassPreferredStockDividendsOfSurplus" xlink:label="jpcrp030000-asr_E03552-000_DividendPaidPerShareFourthClassPreferredStockDividendsOfSurplus" />
    <link:loc xlink:type="locator" xlink:href="jpcrp030000-asr-001_E03552-000_2021-03-31_01_2021-06-24.xsd#jpcrp030000-asr_E03552-000_FourthClassPreferredStockMember" xlink:label="jpcrp030000-asr_E03552-000_FourthClassPreferredStockMember" />
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