Why are banks in Japan such scared little wimps?

After moving back to Japan this year I've been going through the trials of "applying" for bank accounts. SMBC declined me for a checking account. They called me to tell me I was declined and I asked why, "I can't tell you.", I asked if there's anything I can do, "No."

I was also declined for the Amazon Japan MasterCard today.

I have a salary of 16 million yen and no debt. Like what the hell are they afraid of? I literally want to open a bank account so I can GIVE THEM MY MONEY to hold. I'm not one to immediately pull the R card but is this just plain racism?

/rant

by g15mouse