From the standpoint of merchants who lent money, daimyo-gashi was the nominal assets and the basis of their social status in spite of the fact that they were a kind of bad loan and their collectability was low.
貸し手の商人達から見れば大名貸は一種の不良債権であり返って来る見込みは薄くても名目上は資産として認められ、また社会的な地位ともなりえた。