Here's a further reference about the Japanese "convoy system". It's pretty interesting:
Moral Hazard under the Japanese “Convoy” Banking System
https://www.frbsf.org/economic-research/files/3-13.pdf
Japan, in the end, announced the same financial reform to abolish this system, in a reform similar to the principle in this Manga, called the 'Big Bang' program (deregulations similar to 1980s deregulation of London’s financial markets). How it went wasn't going very well. Here's some insight about their implementation of that reform.
https://www.eastasiaforum.org/2011/07/09/reassessing-japan-s-big-bang-did-twenty-years-of-financial-regulatory-reform-really-fail/