<?xml version="1.0"?>
<!-- Edited with FutureStage XBRL Solution Library .NET 01-11 -->
<schema xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:jpcrp030000-asr_E03552-000="http://disclosure.edinet-fsa.go.jp/jpcrp030000/asr/001/E03552-000/2021-03-31/01/2021-06-24" xmlns:xbrli="http://www.xbrl.org/2003/instance" elementFormDefault="qualified" targetNamespace="http://disclosure.edinet-fsa.go.jp/jpcrp030000/asr/001/E03552-000/2021-03-31/01/2021-06-24" xmlns="http://www.w3.org/2001/XMLSchema">
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2020-11-01/jpcrp_cor_2020-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2020-11-01/jpcrp_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2020-11-01/jpcrp_rt_2020-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2020-11-01/jpcrp_rt" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2020-11-01/jppfs_cor_2020-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2020-11-01/jppfs_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2020-11-01/jppfs_rt_2020-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2020-11-01/jppfs_rt" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_cor_2013-08-31.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_rt_2013-08-31.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_rt" />
  <import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
  <import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
  <import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
  <annotation>
    <appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2020-11-01/label/jpcrp_2020-11-01_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2020-11-01/label/jpcrp_2020-11-01_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2020-11-01/label/jpcrp_2020-11-01_gla.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2020-11-01/label/jppfs_2020-11-01_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2020-11-01/label/jppfs_2020-11-01_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2020-11-01/label/jppfs_2020-11-01_gla.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/label/jpdei_2013-08-31_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/label/jpdei_2013-08-31_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/label/jpdei_2013-08-31_gla.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/r/jpdei_000100-000_2013-08-31_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03552-000_2021-03-31_01_2021-06-24_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03552-000_2021-03-31_01_2021-06-24_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03552-000_2021-03-31_01_2021-06-24_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03552-000_2021-03-31_01_2021-06-24_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03552-000_2021-03-31_01_2021-06-24_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
    </appinfo>
  </annotation>
  <element id="jpcrp030000-asr_E03552-000_TotalNumberOfIssuedSharesClass4PreferredStockSummaryOfBusinessResults" xbrli:periodType="instant" abstract="false" name="TotalNumberOfIssuedSharesClass4PreferredStockSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" />
  <element id="jpcrp030000-asr_E03552-000_DividendPaidPerShareClass4PreferredStockSummaryOfBusinessResults" xbrli:periodType="duration" abstract="false" name="DividendPaidPerShareClass4PreferredStockSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" />
  <element id="jpcrp030000-asr_E03552-000_InterimDividendPaidPerShareClass4PreferredStockSummaryOfBusinessResults" xbrli:periodType="duration" abstract="false" name="InterimDividendPaidPerShareClass4PreferredStockSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" />
  <element id="jpcrp030000-asr_E03552-000_BankingReportableSegmentsMember" xbrli:periodType="duration" abstract="true" name="BankingReportableSegmentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_CreditGuaranteeCreditAdministrationConsigneeReportableSegmentsMember" xbrli:periodType="duration" abstract="true" name="CreditGuaranteeCreditAdministrationConsigneeReportableSegmentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_FourthClassPreferredStockMember" xbrli:periodType="duration" abstract="true" name="FourthClassPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_FourthClassPreferredStockSharesWithNoVotingRightsMember" xbrli:periodType="duration" abstract="true" name="FourthClassPreferredStockSharesWithNoVotingRightsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_FourthClassPreferredStockTotalNumberOfIssuedSharesMember" xbrli:periodType="duration" abstract="true" name="FourthClassPreferredStockTotalNumberOfIssuedSharesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_TotalDividendsPaidFourthClassPreferredStockDividendsOfSurplus" xbrli:periodType="instant" abstract="false" name="TotalDividendsPaidFourthClassPreferredStockDividendsOfSurplus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03552-000_DividendPaidPerShareFourthClassPreferredStockDividendsOfSurplus" xbrli:periodType="instant" abstract="false" name="DividendPaidPerShareFourthClassPreferredStockDividendsOfSurplus" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" />
  <element id="jpcrp030000-asr_E03552-000_FujikawaMasamiMember" xbrli:periodType="duration" abstract="true" name="FujikawaMasamiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_IkutaMasahikoMember" xbrli:periodType="duration" abstract="true" name="IkutaMasahikoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_OchiSatoruMember" xbrli:periodType="duration" abstract="true" name="OchiSatoruMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_ShinoharaSatoruMember" xbrli:periodType="duration" abstract="true" name="ShinoharaSatoruMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_KimuraIchiroMember" xbrli:periodType="duration" abstract="true" name="KimuraIchiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_SeoTatsuroMember" xbrli:periodType="duration" abstract="true" name="SeoTatsuroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_KikuchiKenichiMember" xbrli:periodType="duration" abstract="true" name="KikuchiKenichiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_NagashimaAkinobuMember" xbrli:periodType="duration" abstract="true" name="NagashimaAkinobuMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_NemotoYuichiMember" xbrli:periodType="duration" abstract="true" name="NemotoYuichiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_OzakiSatoshiMember" xbrli:periodType="duration" abstract="true" name="OzakiSatoshiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_SugiyamaTsutomuMember" xbrli:periodType="duration" abstract="true" name="SugiyamaTsutomuMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_YokoiNorieMember" xbrli:periodType="duration" abstract="true" name="YokoiNorieMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_SuzukiDaisukeMember" xbrli:periodType="duration" abstract="true" name="SuzukiDaisukeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_TamiyaHiroshiMember" xbrli:periodType="duration" abstract="true" name="TamiyaHiroshiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_SeoJunichiroMember" xbrli:periodType="duration" abstract="true" name="SeoJunichiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03552-000_NonMonetaryRemunerationRemunerationByCategoryOfDirectorsAndOtherOfficers" xbrli:periodType="duration" abstract="false" name="NonMonetaryRemunerationRemunerationByCategoryOfDirectorsAndOtherOfficers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03552-000_ProvisionForExecutiveOfficersRetirementBenefits" xbrli:balance="credit" xbrli:periodType="instant" abstract="false" name="ProvisionForExecutiveOfficersRetirementBenefits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03552-000_LossOnCancellationOfPayablesUnderSecuritiesLendingTransactionsEL" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="LossOnCancellationOfPayablesUnderSecuritiesLendingTransactionsEL" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03552-000_IncreaseDecreaseInProvisionForOfficersRetirementBenefitsOpeCF" xbrli:periodType="duration" abstract="false" name="IncreaseDecreaseInProvisionForOfficersRetirementBenefitsOpeCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03552-000_NotesRegardingGeneralAndAdministrativeExpensesTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingGeneralAndAdministrativeExpensesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
</schema>