{"id":19003,"date":"2024-09-19T23:22:45","date_gmt":"2024-09-20T04:22:45","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%e3%83%97%e3%83%a9%e3%83%83%e3%83%88%e3%83%95%e3%82%a9%e3%83%bc%e3%83%a0%e3%83%97%e3%83%ad%e3%83%90%e3%82%a4%e3%83%80%e3%83%bc%e3%81%8c%e4%bf%9d%e9%99%ba%e4%bc%9a%e7%a4%be%e3%81%8c%e8%b2%a9%e5%a3%b2\/"},"modified":"2024-09-19T23:22:50","modified_gmt":"2024-09-20T04:22:50","slug":"%e3%83%97%e3%83%a9%e3%83%83%e3%83%88%e3%83%95%e3%82%a9%e3%83%bc%e3%83%a0%e3%83%97%e3%83%ad%e3%83%90%e3%82%a4%e3%83%80%e3%83%bc%e3%81%8c%e4%bf%9d%e9%99%ba%e4%bc%9a%e7%a4%be%e3%81%8c%e8%b2%a9%e5%a3%b2","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ja\/insights\/%e3%83%97%e3%83%a9%e3%83%83%e3%83%88%e3%83%95%e3%82%a9%e3%83%bc%e3%83%a0%e3%83%97%e3%83%ad%e3%83%90%e3%82%a4%e3%83%80%e3%83%bc%e3%81%8c%e4%bf%9d%e9%99%ba%e4%bc%9a%e7%a4%be%e3%81%8c%e8%b2%a9%e5%a3%b2\/","title":{"rendered":"\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u304c\u4fdd\u967a\u4f1a\u793e\u304c\u8ca9\u58f2\u3092\u6210\u529f\u3055\u305b\u308b\u305f\u3081\u306e\u30dd\u30b8\u30b7\u30e7\u30cb\u30f3\u30b0\u3092\u3069\u306e\u3088\u3046\u306b\u652f\u63f4\u3059\u308b\u304b"},"content":{"rendered":"\n<p>2010\u5e74\u4ee3\u5f8c\u534a\u306b\u3059\u3067\u306b\u9032\u884c\u3057\u3066\u3044\u305f\u4fdd\u967a\u306e\u30c7\u30b8\u30bf\u30eb\u30c7\u30a3\u30b9\u30e9\u30d7\u30b7\u30e7\u30f3\u306f\u3001COVID-19\u306e\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306e\u5727\u529b\u306e\u4e0b\u3067\u6025\u901f\u306b\u52a0\u901f\u3057\u307e\u3057\u305f\u3002\n\u4eca\u65e5\u3001\u4fdd\u967a\u306f\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3068\u305d\u308c\u3092\u53d6\u308a\u5dfb\u304f\u671f\u5f85\u304c\u4fdd\u967a\u4f1a\u793e\u306e\u30d3\u30b8\u30cd\u30b9\u3001\u4ee3\u7406\u5e97\u306e\u696d\u52d9\u3001\u9867\u5ba2\u306e\u8981\u6c42\u3092\u63a8\u9032\u3059\u308b\u30c7\u30a3\u30b9\u30e9\u30d7\u30b7\u30e7\u30f3\u5f8c\u306e\u4e16\u754c\u306b\u4f4f\u3093\u3067\u3044\u308b\u3068\u6700\u3082\u3088\u304f\u7279\u5fb4\u4ed8\u3051\u3089\u308c\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n<p>\u3053\u306e\u30c7\u30a3\u30b9\u30e9\u30d7\u30b7\u30e7\u30f3\u5f8c\u306e\u4e16\u754c\u306f\u3001\u4fdd\u967a\u4f1a\u793e\u306b\u3068\u3063\u3066\u5927\u304d\u306a\u30c1\u30e3\u30f3\u30b9\u3067\u3059\u3002\n\u300c\u65b0\u6280\u8853\u306e\u5e83\u7bc4\u306a\u4f7f\u7528\u306f\u3001\u30b3\u30b9\u30c8\u524a\u6e1b\u3068\u95a2\u4fc2\u8005\u5168\u54e1\u306e\u4fa1\u5024\u306e\u5275\u51fa\u306b\u5f79\u7acb\u3064\u53ef\u80fd\u6027\u304c\u9ad8\u3044\u3002\u305d\u306e\u7d50\u679c\u30012030\u5e74\u307e\u3067\u306b\u4e16\u754c\u306e\u4fdd\u967a\u6599\u306f10\u5146\u30c9\u30eb\u306b\u307e\u3067\u5897\u52a0\u3059\u308b\u3060\u308d\u3046\u300d\u3068\u3001\u30d9\u30a4\u30f3\u30fb\u30a2\u30f3\u30c9\u30fb\u30ab\u30f3\u30d1\u30cb\u30fc\u306e <a href=\"https:\/\/www.bain.com\/insights\/the-future-of-insurance-as-risks-mount-insurers-aim-to-augment-protection-with-prevention\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u30a2\u30f3\u30c9\u30ea\u30e5\u30fc\u30fb\u30b7\u30e5\u30f4\u30a7\u30c7\u30eb\u6c0f\u3001\u30de\u30fc\u30af\u30fb\u30e6\u30c0\u6c0f\u3001\u30ab\u30df\u30fc\u30e6\u30fb\u30b0\u30fc\u30bb\u30f3\u30ba<\/a>\u6c0f\u306f\u66f8\u3044\u3066\u3044\u308b\u3002 <\/p>\n\n<p>\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u30c7\u30a3\u30b9\u30e9\u30d7\u30b7\u30e7\u30f3\u5f8c\u306e\u4e16\u754c\u3067\u6210\u529f\u3059\u308b\u305f\u3081\u306b\u5229\u7528\u53ef\u80fd\u306a\u3055\u307e\u3056\u307e\u306a\u65b0\u3057\u3044\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3092\u3069\u306e\u3088\u3046\u306b\u7d71\u5408\u3067\u304d\u308b\u3067\u3057\u3087\u3046\u304b?\n\u4fdd\u967a\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306f\u3001\u3053\u306e\u7d71\u5408\u3092\u5bb9\u6613\u306b\u3057\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u8ca9\u58f2\u3092\u6210\u529f\u3055\u305b\u308b\u305f\u3081\u306e\u5730\u4f4d\u3092\u78ba\u7acb\u3059\u308b\u306e\u306b\u5f79\u7acb\u3061\u307e\u3059\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u30dd\u30b9\u30c8\u30fb\u30c7\u30a3\u30b9\u30e9\u30d7\u30b7\u30e7\u30f3\u4fdd\u967a\u306b\u304a\u3051\u308b\u4e3b\u306a\u8ab2\u984c<\/h2>\n\n<p>\u4fdd\u967a\u4f1a\u793e\u304c\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u63a1\u7528\u3084\u65e2\u5b58\u306e\u6d41\u901a\u30e2\u30c7\u30eb\u306b\u5bfe\u3059\u308b\u6d88\u8cbb\u8005\u306e\u4e0d\u6e80\u306b\u5bfe\u51e6\u3059\u308b\u3053\u3068\u3092\u65e9\u304f\u304b\u3089\u8e8a\u8e87\u3057\u3066\u3044\u305f\u305f\u3081\u3001\u30c7\u30b8\u30bf\u30eb\u30c7\u30a3\u30b9\u30e9\u30d7\u30b7\u30e7\u30f3\u306f\u4fdd\u967a\u696d\u754c\u306e\u6d41\u901a\u306b\u7279\u306b\u5927\u304d\u306a\u6253\u6483\u3092\u4e0e\u3048\u308b\u3068\u4e88\u6e2c\u3055\u308c\u3066\u3044\u305f\u3068\u3001\u5f01\u8b77\u58eb\u306e <a href=\"https:\/\/www.proquest.com\/docview\/2207838951?pq-origsite=gscholar&amp;fromopenview=true\" target=\"_blank\" rel=\"noreferrer noopener\">Angelica Wilamowicz<\/a> \u6c0f\u306fBanking &amp; Finance Law Review\u306e\u8a18\u4e8b\u3067\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002<\/p>\n\n<p>\u30c7\u30b8\u30bf\u30eb\u5c0e\u5165\u304c\u672c\u683c\u5316\u3059\u308b\u4eca\u65e5\u3001\u4fdd\u967a\u4f1a\u793e\u306f\u78ba\u304b\u306b\u8ab2\u984c\u306b\u76f4\u9762\u3057\u3066\u3044\u307e\u3059\u3002\n\u901a\u4fe1\u4e8b\u696d\u8005\u306f\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u5229\u70b9\u3068\u3001\u305d\u306e\u591a\u304f\u304c\u53e4\u3044\u30d7\u30ed\u30bb\u30b9\u306b\u7d44\u307f\u8fbc\u307e\u308c\u3066\u3044\u308b\u6df1\u3044\u7d44\u7e54\u7684\u77e5\u8b58\u3068\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u53d6\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\n\u5f7c\u3089\u306f\u3001\u30d3\u30b8\u30cd\u30b9\u3092\u9042\u884c\u3059\u308b\u53e4\u3044\u65b9\u6cd5\u3092\u8986\u3057\u306a\u304c\u3089\u3001\u9867\u5ba2\u306e\u671f\u5f85\u306b\u5fdc\u3048\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002  <\/p>\n\n<p>\u307e\u305f\u3001\u65e2\u5b58\u306e\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u4e2d\u5c0f\u898f\u6a21\u306e\u5e02\u5834\u306b\u304a\u3051\u308b\u7af6\u4e89\u76f8\u624b\u3068\u306e\u7af6\u4e89\u306b\u3082\u76f4\u9762\u3057\u3066\u3044\u307e\u3059\u3002\n\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3084\u30af\u30e9\u30a6\u30c9\u30b3\u30f3\u30d4\u30e5\u30fc\u30c6\u30a3\u30f3\u30b0\u306a\u3069\u306e\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306b\u3088\u308a\u3001\u300c\u4fdd\u967a\u30d3\u30b8\u30cd\u30b9\u3092\u7acb\u3061\u4e0a\u3052\u308b\u3053\u3068\u306f\u307e\u3059\u307e\u3059\u5bb9\u6613\u306b\u306a\u3063\u3066\u3044\u308b\u300d\u3068\u3001\u30a2\u30af\u30bb\u30f3\u30c1\u30e5\u30a2\u306e <a href=\"https:\/\/insuranceblog.accenture.com\/irish-insurance-in-2021-contending-with-disruption-in-mid-sized-national-markets\" target=\"_blank\" rel=\"noreferrer noopener\">\u30b8\u30a7\u30fc\u30e0\u30ba\u30fb\u30c8\u30fc\u30de\u30b9\u6c0f\u3068\u30a2\u30ec\u30af\u30b5\u30f3\u30c0\u30fc\u30fb\u30c1\u30a7\u30ea\u30fc<\/a>\u6c0f\u306f\u66f8\u3044\u3066\u3044\u307e\u3059\u3002\n\u5e02\u5834\u304c\u4e3b\u306b\u30c7\u30b8\u30bf\u30eb\u3067\u3042\u308b\u3088\u3046\u306b\u306a\u3063\u305f\u4eca\u3001\u65b0\u3057\u3044\u7af6\u4e89\u76f8\u624b\u306f\u3001\u7af6\u4e89\u3059\u308b\u305f\u3081\u306b\u30b3\u30df\u30e5\u30cb\u30c6\u30a3\u3084\u90fd\u5e02\u306b\u5b9f\u5e97\u8217\u3067\u306e\u5b58\u5728\u3082\u5fc5\u8981\u3042\u308a\u307e\u305b\u3093\u3002  <\/p>\n\n<p>COVID-19\u306e\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306b\u3088\u308a\u3001\u30c7\u30b8\u30bf\u30eb\u5c0e\u5165\u304c\u52a0\u901f\u3057\u3001\u6df7\u4e71\u306f\u6025\u901f\u306b\u5730\u5e73\u7dda\u304b\u3089\u904e\u53bb\u306e\u3082\u306e\u3078\u3068\u79fb\u884c\u3057\u307e\u3057\u305f\u3002\n\u30c7\u30a3\u30b9\u30e9\u30d7\u30b7\u30e7\u30f3\u5f8c\u306e\u4e16\u754c\u3067\u76ee\u6a19\u3092\u9054\u6210\u3059\u308b\u305f\u3081\u306b\u3001\u300c\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u4e2d\u306b\u63a1\u7528\u3055\u308c\u305f\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u3068\u904b\u7528\u306e\u67d4\u8edf\u6027\u3092\u6d3b\u7528\u3057\u3066\u3001\u3088\u308a\u4fca\u654f\u3067\u9867\u5ba2\u4e2d\u5fc3\u306e\u30d3\u30b8\u30cd\u30b9\u3078\u306e\u5909\u9769\u3092\u52a0\u901f\u3055\u305b\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u300d\u3068\u3001\u30c7\u30ed\u30a4\u30c8\u306e\u526f\u4f1a\u9577\u517c\u7c73\u56fd\u30ea\u30fc\u30c0\u30fc\u3067\u3042\u308b <a href=\"https:\/\/www2.deloitte.com\/us\/en\/insights\/industry\/financial-services\/impact-of-pandemic-insurance-industry.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u30b2\u30a4\u30ea\u30fc\u30fb\u30b7\u30e7\u30fc<\/a>\u306f\u66f8\u3044\u3066\u3044\u307e\u3059\u3002\n\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u3088\u308a\u3001\u4fdd\u967a\u4f1a\u793e\u306f\u307e\u3055\u306b\u305d\u308c\u3092\u884c\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002  <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-with-tablet-1024x684.jpg\" alt=\"&#x4ED5;&#x4E8B;&#x306E;&#x4F11;&#x61A9;&#x6642;&#x9593;&#x306B;&#x516C;&#x5712;&#x3067;&#x30BF;&#x30D6;&#x30EC;&#x30C3;&#x30C8;&#x30B3;&#x30F3;&#x30D4;&#x30E5;&#x30FC;&#x30BF;&#x30FC;&#x3092;&#x4F7F;&#x7528;&#x3057;&#x3066;&#x3044;&#x308B;&#x30A2;&#x30D5;&#x30EA;&#x30AB;&#x306E;&#x9ED2;&#x4EBA;&#x30D3;&#x30B8;&#x30CD;&#x30B9;&#x30DE;&#x30F3;&#x30D2;&#x30C3;&#x30D7;&#x30B9;&#x30BF;&#x30FC;\" class=\"wp-image-10235\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-with-tablet-1024x684.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-with-tablet-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-with-tablet-768x513.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-with-tablet.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u304c\u904b\u9001\u696d\u8005\u304c\u3053\u308c\u3089\u306e\u8ab2\u984c\u306b\u5bfe\u51e6\u3059\u308b\u306e\u3092\u3069\u306e\u3088\u3046\u306b\u652f\u63f4\u3059\u308b\u304b<\/h2>\n\n<p>\u30c7\u30b8\u30bf\u30eb\u4fdd\u967a\u8ca9\u58f2\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306f\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u8cb4\u91cd\u306a\u5f15\u53d7\u3001\u4ee3\u7406\u5e97\u3001\u8ca9\u58f2\u306b\u95a2\u3059\u308b\u77e5\u8b58\u3092\u7dad\u6301\u3057\u306a\u304c\u3089\u3001\u9867\u5ba2\u306e\u671f\u5f85\u306b\u5fdc\u3048\u308b\u3068\u3044\u3046\u8ab2\u984c\u306b\u5bfe\u51e6\u3059\u308b\u306e\u306b\u5f79\u7acb\u3061\u307e\u3059\u3002<\/p>\n\n<p>\u30c7\u30a3\u30b9\u30e9\u30d7\u30b7\u30e7\u30f3\u5f8c\u306e\u6642\u4ee3\u306b\u306f\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306f\u4fdd\u967a\u4f1a\u793e\u3084\u4ee3\u7406\u5e97\u304c\u591a\u304f\u306e\u30bf\u30b9\u30af\u3092\u3088\u308a\u52b9\u7387\u7684\u306b\u5b9f\u884c\u3059\u308b\u306e\u306b\u5f79\u7acb\u3064\u3068\u3001\u30a4\u30f3\u30c9\u306b\u62e0\u70b9\u3092\u7f6e\u304fInsuranceDekho\u306e\u5171\u540c\u5275\u8a2d\u8005\u517cCEO\u3067\u3042\u308b <a href=\"https:\/\/www.news18.com\/news\/business\/savings-and-investments\/insurance-platforms-online-going-to-disrupt-insurance-industry-in-2022-heres-how-4613264.html\" target=\"_blank\" rel=\"noreferrer noopener\">Ankit Agrawal<\/a>\u6c0f\u306f\u66f8\u3044\u3066\u3044\u307e\u3059\u3002\n\u65b0\u3057\u3044\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u304b\u3089\u6ce8\u76ee\u3055\u308c\u308b\u30bf\u30b9\u30af\u306b\u306f\u3001\u6b21\u306e\u3088\u3046\u306a\u3082\u306e\u304c\u3042\u308a\u307e\u3059\u3002 <\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u9867\u5ba2\u60c5\u5831\u306e\u81ea\u52d5\u66f4\u65b0\u3068\u66f4\u65b0\u3002<\/li>\n\n\n\n<li>\u9867\u5ba2\u306e\u30cb\u30fc\u30ba\u3068\u9078\u629e\u80a2\u3092\u3088\u308a\u6b63\u78ba\u306b\u5206\u6790\u3057\u3001\u4e88\u6e2c\u3057\u307e\u3059\u3002<\/li>\n\n\n\n<li>\u9867\u5ba2\u306e\u884c\u52d5\u306b\u95a2\u3059\u308b\u30c7\u30fc\u30bf\u304b\u3089\u53ce\u96c6\u3055\u308c\u305f\u30a4\u30f3\u30b5\u30a4\u30c8\u3002<\/li>\n\n\n\n<li>\u7d44\u307f\u8fbc\u307f\u578b\u4fdd\u967a\u3068\u540c\u69d8\u306b\u3001\u9867\u5ba2\u304c\u5fc5\u8981\u3068\u3059\u308b\u3068\u304d\u306b\u5fc5\u8981\u306a\u5834\u6240\u306b\u4fdd\u967a\u3092\u6b63\u78ba\u306b\u914d\u7f6e\u3057\u307e\u3059\u3002<\/li>\n<\/ul>\n\n<p>\u65b0\u3057\u3044\u5e02\u5834\u306f\u3001\u5b9f\u5e97\u8217\u3067\u306f\u306a\u304f\u30c7\u30b8\u30bf\u30eb\u3067\u3059\u3002\n\u305d\u306e\u30c7\u30b8\u30bf\u30eb\u306a\u6027\u8cea\u306b\u3088\u308a\u3001\u7269\u7406\u7684\u306a\u7a7a\u9593\u306e\u5236\u7d04\u304b\u3089\u89e3\u653e\u3055\u308c\u307e\u3059\u304c\u3001\u30ca\u30d3\u30b2\u30fc\u30b7\u30e7\u30f3\u304c\u56f0\u96e3\u306b\u306a\u308a\u3001\u9867\u5ba2\u304c\u9078\u629e\u80a2\u3092\u5727\u5012\u3055\u308c\u308b\u30ea\u30b9\u30af\u3082\u751f\u3058\u307e\u3059\u3002 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<\/p>\n\n<p>\u30c7\u30b8\u30bf\u30eb\u30c7\u30a3\u30b9\u30e9\u30d7\u30b7\u30e7\u30f3\u306f\u3001\u591a\u304f\u306e\u70b9\u3067\u4fdd\u967a\u696d\u754c\u3092\u4e00\u5909\u3055\u305b\u307e\u3057\u305f\u3002\n\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306f\u3001\u4e0d\u5354\u548c\u97f3\u304b\u3089\u660e\u77ad\u3055\u3092\u751f\u307f\u51fa\u3057\u3001\u4fa1\u5024\u3092\u4ed8\u52a0\u3057\u306a\u304c\u3089\u914d\u4fe1\u3092\u52b9\u7387\u5316\u3059\u308b\u65b9\u6cd5\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002 <\/p>\n\n<p><em>\u753b\u50cf\u63d0\u4f9b:chagin\/\u00a9123RF.com\u3001warrengoldswain\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2010\u5e74\u4ee3\u5f8c\u534a\u306b\u3059\u3067\u306b\u9032\u884c\u3057\u3066\u3044\u305f\u4fdd\u967a\u306e\u30c7\u30b8\u30bf\u30eb\u30c7\u30a3\u30b9\u30e9\u30d7\u30b7\u30e7\u30f3\u306f\u3001COVID-19\u306e\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306e\u5727\u529b\u306e\u4e0b\u3067\u6025\u901f\u306b\u52a0\u901f\u3057\u307e\u3057\u305f\u3002 \u4eca\u65e5\u3001\u4fdd\u967a\u306f\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3068\u305d\u308c\u3092\u53d6\u308a\u5dfb\u304f\u671f\u5f85\u304c\u4fdd\u967a\u4f1a\u793e\u306e\u30d3\u30b8\u30cd\u30b9\u3001\u4ee3\u7406\u5e97\u306e\u696d\u52d9\u3001\u9867\u5ba2 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