{"id":20852,"date":"2024-09-30T14:06:51","date_gmt":"2024-09-30T19:06:51","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%e4%bf%9d%e9%99%ba%e4%bc%9a%e7%a4%be%e3%81%8c%e3%83%97%e3%83%a9%e3%83%83%e3%83%88%e3%83%95%e3%82%a9%e3%83%bc%e3%83%a0%e7%b5%8c%e6%b8%88%e3%82%92%e7%90%86%e8%a7%a3%e3%81%99%e3%82%8b%e3%81%93%e3%81%a8\/"},"modified":"2024-09-30T14:06:52","modified_gmt":"2024-09-30T19:06:52","slug":"%e4%bf%9d%e9%99%ba%e4%bc%9a%e7%a4%be%e3%81%8c%e3%83%97%e3%83%a9%e3%83%83%e3%83%88%e3%83%95%e3%82%a9%e3%83%bc%e3%83%a0%e7%b5%8c%e6%b8%88%e3%82%92%e7%90%86%e8%a7%a3%e3%81%99%e3%82%8b%e3%81%93%e3%81%a8","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ja\/insights\/%e4%bf%9d%e9%99%ba%e4%bc%9a%e7%a4%be%e3%81%8c%e3%83%97%e3%83%a9%e3%83%83%e3%83%88%e3%83%95%e3%82%a9%e3%83%bc%e3%83%a0%e7%b5%8c%e6%b8%88%e3%82%92%e7%90%86%e8%a7%a3%e3%81%99%e3%82%8b%e3%81%93%e3%81%a8\/","title":{"rendered":"\u4fdd\u967a\u4f1a\u793e\u304c\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u3092\u7406\u89e3\u3059\u308b\u3053\u3068\u3067\u65b0\u898f\u9867\u5ba2\u306b\u30ea\u30fc\u30c1\u3059\u308b\u65b9\u6cd5"},"content":{"rendered":"\n

\u79c1\u305f\u3061\u306e\u30d3\u30b8\u30cd\u30b9\u306e\u3084\u308a\u65b9\u306f\u3001\u9032\u884c\u4e2d\u306e\u30c7\u30b8\u30bf\u30eb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a9\u30fc\u30e1\u30fc\u30b7\u30e7\u30f3\u306b\u5bfe\u5fdc\u3057\u3001\u6c38\u7d9a\u3055\u305b\u3066\u304d\u307e\u3057\u305f\u3002\n\u4f01\u696d\u304c\u30c7\u30b8\u30bf\u30eb\u901a\u4fe1\u3068\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u6d3b\u7528\u3059\u308b\u65b0\u3057\u3044\u65b9\u6cd5\u3092\u898b\u3064\u3051\u308b\u306b\u3064\u308c\u3066\u3001\u79c1\u305f\u3061\u306e\u7d4c\u6e08\u306f\u7269\u7406\u7684\u306a\u5834\u6240\u3084\u7d19\u306e\u30dd\u30ea\u30b7\u30fc\u306a\u3069\u306e\u6709\u5f62\u306e\u30a2\u30a4\u30c6\u30e0\u3078\u306e\u4f9d\u5b58\u304b\u3089\u96e2\u308c\u3066\u3044\u304d\u307e\u3059\u3002 <\/p>\n\n

\u3053\u306e\u30c7\u30b8\u30bf\u30eb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a9\u30fc\u30e1\u30fc\u30b7\u30e7\u30f3\u306b\u306f\u3001\u5b9f\u5e97\u8217\u3084\u500b\u5225\u306e\u7523\u696d\u3067\u306f\u306a\u304f\u3001\u30c7\u30b8\u30bf\u30eb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u4e2d\u5fc3\u306b\u7d4c\u6e08\u6d3b\u52d5\u3092\u30b0\u30eb\u30fc\u30d7\u5316\u3059\u308b\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u306e\u53f0\u982d\u304c\u542b\u307e\u308c\u307e\u3059\u3002\n\u4e00\u90e8\u306e\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306f\u3059\u3067\u306b\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u306b\u9032\u51fa\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u591a\u304f\u306e\u65e2\u5b58\u306e\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u3053\u306e\u5909\u5316\u306b\u5168\u9762\u7684\u306b\u30b3\u30df\u30c3\u30c8\u3059\u308b\u3053\u3068\u3092\u8e8a\u8e87\u3057\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\u3057\u304b\u3057\u3001\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u306f\u3059\u3067\u306b\u4ed6\u306e\u696d\u754c\u306b\u3082\u5927\u304d\u304f\u6d78\u900f\u3057\u3066\u3044\u307e\u3059\u3002\n\u3053\u308c\u306b\u3088\u308a\u3001\u4fdd\u967a\u306e\u5229\u7528\u53ef\u80fd\u6027\u3068\u884c\u52d5\u306b\u5bfe\u3059\u308b\u9867\u5ba2\u306e\u671f\u5f85\u304c\u5909\u308f\u308a\u307e\u3059\u3002\n\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u30e2\u30c7\u30eb\u3092\u65e9\u671f\u306b\u7406\u89e3\u3057\u3001\u53d7\u3051\u5165\u308c\u308b\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u305d\u3046\u3067\u306a\u3044\u4fdd\u967a\u4f1a\u793e\u3088\u308a\u3082\u7af6\u4e89\u4e0a\u306e\u512a\u4f4d\u6027\u3092\u5f97\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002 <\/p>\n\n

\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u306e\u7406\u89e3<\/h2>\n\n

\u904e\u53bb\u306e\u7d4c\u6e08\u306f\u3001\u7279\u5b9a\u306e\u5546\u54c1\u3084\u30b5\u30fc\u30d3\u30b9\u306e\u4f5c\u6210\u3068\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u306b\u91cd\u70b9\u3092\u7f6e\u3044\u3066\u3044\u307e\u3057\u305f\u3002\n\u30cb\u30e5\u30fc\u30a8\u30b3\u30ce\u30df\u30fc\u306f\u3001\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u30d9\u30fc\u30b9\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u306b\u79fb\u884c\u3057\u3066\u3044\u307e\u3059\u3002\n\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u57fa\u76e4\u3068\u3059\u308b\u4f01\u696d\u306b\u3068\u3063\u3066\u3001\u7269\u7406\u7684\u306a\u5834\u6240\u306f\u30c7\u30b8\u30bf\u30eb\u30d7\u30ec\u30bc\u30f3\u30b9\u3088\u308a\u3082\u91cd\u8981\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002 <\/p>\n\n

\u300c\u3053\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u306e\u4f01\u696d\u306f\u3001\u4f55\u304b\u3092\u5fc5\u8981\u3068\u3059\u308b\u500b\u4eba\u3084\u4f01\u696d\u3068\u3001\u4f55\u304b\u3092\u63d0\u4f9b\u3059\u308b\u500b\u4eba\u3084\u4f01\u696d\u3068\u306e\u9593\u306e\u76f8\u4e92\u4f5c\u7528\u3092\u53ef\u80fd\u306b\u3059\u308b\u30c7\u30b8\u30bf\u30eb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u4f5c\u6210\u3057\u3066\u3044\u307e\u3059\u300d\u3068\u3001SMA\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u3067\u3042\u308b Mark Breading<\/a>\u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u3067\u63d0\u4f9b\u3055\u308c\u308b\u5546\u54c1\u3084\u30b5\u30fc\u30d3\u30b9\u306f\u3001\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306e\u4f5c\u6210\u8005\u3084\u53c2\u52a0\u8005\u306e\u60f3\u50cf\u529b\u3068\u540c\u3058\u304f\u3089\u3044\u591a\u69d8\u3067\u3059\u3002\n\u305d\u3057\u3066\u3001\u5f7c\u3089\u306f\u7d4c\u6e08\u5168\u4f53\u306e\u4e2d\u3067\u6025\u901f\u306b\u6210\u9577\u3057\u3066\u3044\u308b\u30bb\u30b0\u30e1\u30f3\u30c8\u3092\u4ee3\u8868\u3057\u3066\u3044\u307e\u3059\u3002\n\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u306e\u63a8\u5b9a\u6210\u9577\u7387\u306f2025\u5e74\u307e\u3067\u306b3,350\u5104\u30c9\u30eb\u306b\u9054\u3059\u308b\u3068\u4e88\u60f3\u3055\u308c\u3066\u3044\u308b\u3068\u3001\u30d6\u30eb\u30c3\u30ad\u30f3\u30b0\u30b9\u7814\u7a76\u6240\u306e \u30cb\u30a2\u30e0\u30fb\u30e4\u30e9\u30ae\u6c0f\u3068\u30b7\u30e3\u30df\u30ab\u30fb\u30e9\u30f4\u30a3<\/a> \u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u306f\u3001\u79c1\u305f\u3061\u306e\u30d3\u30b8\u30cd\u30b9\u306e\u3042\u308a\u65b9\u306b\u5927\u304d\u306a\u5909\u5316\u3092\u3082\u305f\u3089\u3057\u3066\u3044\u307e\u3059\u3002\n\u300c\u7523\u696d\u9769\u547d\u304c\u5de5\u5834\u3092\u4e2d\u5fc3\u306b\u7d44\u7e54\u3055\u308c\u3066\u3044\u305f\u3068\u3059\u308c\u3070\u3001\u4eca\u65e5\u306e\u5909\u5316\u306f\u3053\u308c\u3089\u306e\u30c7\u30b8\u30bf\u30eb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u4e2d\u5fc3\u306b\u7d44\u7e54\u5316\u3055\u308c\u3066\u3044\u307e\u3059\u300d\u3068 \u3001\u30de\u30fc\u30c6\u30a3\u30f3\u30fb\u30b1\u30cb\u30fc\u6559\u6388\u3068\u30b8\u30e7\u30f3\u30fb\u30b8\u30ba\u30de\u30f3<\/a>\u6559\u6388\u306f\u66f8\u3044\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\u3053\u308c\u3089\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306f\u5f37\u529b\u3067\u3059:Kenney\u6c0f\u3068Zysman\u6c0f\u306f\u3001\u4eca\u65e5\u306e\u7d4c\u6e08\u3067\u306f\u3001\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306e\u6240\u6709\u8005\u306f\u3001\u7523\u696d\u9769\u547d\u306e\u521d\u671f\u306b\u5de5\u5834\u306e\u6240\u6709\u8005\u304c\u6301\u3063\u3066\u3044\u305f\u3088\u308a\u3082\u3055\u3089\u306b\u591a\u304f\u306e\u529b\u3092\u6301\u3064\u3068\u4e88\u6e2c\u3057\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\"\"<\/figure>\n\n

\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u306b\u304a\u3051\u308b\u65b0\u3057\u3044\u4fdd\u967a\u30c4\u30fc\u30eb<\/h2>\n\n

\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u3068\u4fdd\u967a\u306e\u95a2\u4fc2\u3092\u8003\u3048\u308b\u4e00\u3064\u306e\u65b9\u6cd5\u306f\u3001\u4fdd\u967a\u81ea\u4f53\u3092\u5546\u54c1\u3068\u3057\u3066\u3067\u306f\u306a\u304f\u3001\u30b5\u30fc\u30d3\u30b9\u3068\u3057\u3066\u8003\u3048\u308b\u3053\u3068\u3060\u3068\u3001AXA\u306e\u30c7\u30b8\u30bf\u30eb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a9\u30fc\u30e1\u30fc\u30b7\u30e7\u30f3\u30c7\u30a3\u30ec\u30af\u30bf\u30fc\u3067\u3042\u308b Tomasz Kurcyzk<\/a>\u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\u3053\u308c\u306b\u3088\u308a\u3001\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u304c\u65b0\u3057\u3044\u88dc\u511f\u65b9\u6cd5\u306e\u958b\u767a\u3092\u63a8\u9032\u3059\u308b\u65b9\u6cd5\u3092\u3088\u308a\u3088\u304f\u7406\u89e3\u3067\u304d\u308b\u3068Kurcyzk\u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002\n\u307e\u305f\u3001\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u30c7\u30b8\u30bf\u30eb\u6642\u4ee3\u306b\u4fdd\u967a\u304c\u306a\u305c\u91cd\u8981\u3067\u3001\u3055\u3089\u306b\u4e0d\u53ef\u6b20\u306a\u306e\u304b\u3092\u9867\u5ba2\u306b\u3088\u308a\u9069\u5207\u306b\u8aac\u660e\u3059\u308b\u7acb\u5834\u306b\u3042\u308a\u307e\u3059\u3002 <\/p>\n\n

\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306f\u3001\u4e00\u90e8\u306e\u65e2\u5b58\u306e\u4fdd\u967a\u4f1a\u793e\u3068\u3068\u3082\u306b\u3001\u30de\u30a4\u30af\u30ed\u30a4\u30f3\u30b7\u30e5\u30a2\u30e9\u30f3\u30b9\u3084\u500b\u5225\u5316\u4f7f\u7528\u578b\u4fdd\u967a(UBI)\u306a\u3069\u306e\u5546\u54c1\u306b\u3088\u308a\u3001\u3059\u3067\u306b\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u306b\u9032\u51fa\u3057\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\u30de\u30a4\u30af\u30ed\u30a4\u30f3\u30b7\u30e5\u30a2\u30e9\u30f3\u30b9\u5e02\u5834\u306f\u3001\u5f93\u6765\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u53ce\u76ca\u6027\u306e\u9ad8\u3044\u88dc\u511f\u3092\u884c\u3046\u306b\u306f\u5c0f\u3055\u3059\u304e\u305f\u9867\u5ba2\u3068\u8acb\u6c42\u306b\u7126\u70b9\u3092\u5f53\u3066\u308b\u3053\u3068\u3067\u3001\u4fdd\u967a\u306e\u65b0\u305f\u306a\u9867\u5ba2\u57fa\u76e4\u3092\u5207\u308a\u958b\u304d\u307e\u3057\u305f\u3002 <\/p>\n\n

\u30de\u30a4\u30af\u30ed\u30a4\u30f3\u30b7\u30e5\u30a2\u30e9\u30f3\u30b9\u306f\u3001\u5c0f\u3055\u306a\u640d\u5931\u3068\u5341\u5206\u306a\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u3066\u3044\u306a\u3044\u9867\u5ba2\u96c6\u56e3\u306b\u7126\u70b9\u3092\u5f53\u3066\u308b\u3053\u3068\u3067\u3001\u3053\u308c\u307e\u3067\u4fdd\u967a\u3092\u5229\u7528\u3057\u305f\u3053\u3068\u306e\u306a\u3044\u9867\u5ba2\u306b\u30ea\u30fc\u30c1\u3067\u304d\u308b\u3068\u3001Investopedia\u306e Julia Kagan<\/a> \u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\u4fdd\u967a\u4f1a\u793e\u3092\u963b\u5bb3\u3057\u3066\u3044\u305f\u4e3b\u306a\u8981\u56e0\u306e3\u3064\u306f\u3001\u9ad8\u3044\u9700\u8981\u3001\u9ad8\u3044\u30b3\u30b9\u30c8\u3001\u304a\u3088\u3073\u88dc\u511f\u7bc4\u56f2\u306e\u4e0d\u5747\u4e00\u306a\u5206\u914d\u3067\u3057\u305f\u3002\n\u4eca\u65e5\u3001\u30c7\u30b8\u30bf\u30eb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3068\u305d\u306e\u7d44\u307f\u8fbc\u307f\u306e\u5206\u6790\u65b9\u6cd5(\u4eba\u5de5\u77e5\u80fd\u3092\u542b\u3080)\u306b\u3088\u308a\u3001\u591a\u304f\u306e\u5730\u57df\u3067\u5341\u5206\u3067\u624b\u9803\u306a\u4fa1\u683c\u306e\u30ab\u30d0\u30ec\u30c3\u30b8\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u304c\u5bb9\u6613\u306b\u306a\u308a\u307e\u3059\u3002 <\/p>\n\n

\u591a\u304f\u306e\u5834\u5408\u3001\u3053\u308c\u3089\u306e\u30dd\u30ea\u30b7\u30fc\u306f\u672c\u8cea\u7684\u306b\u30d1\u30e9\u30e1\u30c8\u30ea\u30c3\u30af\u3067\u3059\u3002\n Insurance Information Institute<\/a>\u306e\u60c5\u5831\u30b7\u30fc\u30c8\u306b\u3088\u308b\u3068\u3001\u4e00\u5b9a\u306e\u5b9a\u91cf\u7684\u8981\u4ef6\u304c\u6e80\u305f\u3055\u308c\u308b\u3068\u3001\u305d\u306e\u88dc\u511f\u7bc4\u56f2\u306f\u81ea\u52d5\u7684\u306b\u30c8\u30ea\u30ac\u30fc\u3055\u308c\u307e\u3059\u3002\n\u305d\u306e\u30d1\u30e9\u30e1\u30c8\u30ea\u30c3\u30af\u306a\u6027\u8cea\u306b\u3088\u308a\u3001\u30de\u30a4\u30af\u30ed\u30a4\u30f3\u30b7\u30e5\u30a2\u30e9\u30f3\u30b9\u306e\u5951\u7d04\u306f\u3001\u4eba\u9593\u3067\u306f\u306a\u304f\u30b3\u30f3\u30d4\u30e5\u30fc\u30bf\u30fc\u30a2\u30eb\u30b4\u30ea\u30ba\u30e0\u3067\u51e6\u7406\u3067\u304d\u308b\u3053\u3068\u304c\u591a\u304f\u3001\u3088\u308a\u591a\u304f\u306e\u8acb\u6c42\u3092\u3088\u308a\u77ed\u6642\u9593\u3067\u51e6\u7406\u3067\u304d\u3001\u4fdd\u967a\u4f1a\u793e\u306e\u30b3\u30b9\u30c8\u524a\u6e1b\u306b\u3064\u306a\u304c\u308a\u307e\u3059\u3002 <\/p>\n\n

\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u30d9\u30fc\u30b9\u306e\u30e2\u30c7\u30eb\u306f\u3001\u4eca\u65e5\u306e\u30de\u30a4\u30af\u30ed\u30a4\u30f3\u30b7\u30e5\u30a2\u30e9\u30f3\u30b9\u304c\u76f4\u9762\u3057\u3066\u3044\u308b\u6700\u5927\u306e\u554f\u984c\u306e1\u3064\u3067\u3042\u308b\u6d41\u901a\u3092\u89e3\u6c7a\u3067\u304d\u307e\u3059\u3002\n\u30de\u30a4\u30af\u30ed\u30a4\u30f3\u30b7\u30e5\u30a2\u30e9\u30f3\u30b9\u3092\u8ca9\u58f2\u3059\u308b\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u4f5c\u6210\u3059\u308b\u3053\u3068\u3067\u3001\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u3053\u306e\u65b0\u3057\u3044\u5f62\u5f0f\u306e\u88dc\u511f\u3092\u5229\u7528\u3059\u308b\u305f\u3081\u306b\u5fc5\u8981\u306a\u30a2\u30af\u30bb\u30b9\u3092\u9867\u5ba2\u306b\u63d0\u4f9b\u3067\u304d\u307e\u3059\u3002 <\/p>\n\n

\u30c0\u30a4\u30ca\u30df\u30c3\u30af\u306a\u4f7f\u7528\u91cf\u30d9\u30fc\u30b9\u306e\u4fdd\u967a <\/h2>\n\n

\u30e6\u30fc\u30bb\u30f3\u30b7\u30e7\u30f3\u30fb\u30d9\u30fc\u30b9\u30c9\u30fb\u30a4\u30f3\u30b7\u30e5\u30a2\u30e9\u30f3\u30b9(UBI)\u306f\u300110\u5e74\u4ee5\u4e0a\u306b\u308f\u305f\u3063\u3066\u767a\u5c55\u3057\u3066\u304d\u307e\u3057\u305f\u3002\nUBI\u306f\u3001\u30c6\u30ec\u30de\u30c6\u30a3\u30af\u30b9\u3092\u4f7f\u7528\u3057\u3066\u30c9\u30e9\u30a4\u30d0\u30fc\u306e\u884c\u52d5\u3092\u8ffd\u8de1\u3057\u3001\u4fdd\u967a\u6599\u3092\u8abf\u6574\u3057\u59cb\u3081\u305f\u5f53\u521d\u304b\u3089\u3001\u5404\u30c9\u30e9\u30a4\u30d0\u30fc\u306e\u30cb\u30fc\u30ba\u306b\u5408\u308f\u305b\u3066\u81ea\u52d5\u8eca\u4fdd\u967a\u306e\u88dc\u511f\u7bc4\u56f2\u3092\u8abf\u6574\u3059\u308b\u65b9\u6cd5\u306b\u767a\u5c55\u3057\u3066\u304d\u307e\u3057\u305f\u3002 <\/p>\n\n

\u300cUBI\u306f\u3001\u4fdd\u967a\u6599\u3092\u524a\u6e1b\u3059\u308b\u305f\u3081\u306b\u30c9\u30e9\u30a4\u30d0\u30fc\u306e\u9593\u3067\u4eba\u6c17\u306e\u3042\u308b\u9078\u629e\u80a2\u3067\u3042\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u30c9\u30e9\u30a4\u30d0\u30fc\u306e\u30ea\u30b9\u30af\u3092\u5206\u6790\u3059\u308b\u65b9\u6cd5\u3068\u3057\u3066\u4fdd\u967a\u4f1a\u793e\u306b\u3082\u63a1\u7528\u3055\u308c\u3066\u3044\u307e\u3059\u300d\u3068\u3001Aeris\u306e Mohsen Mohensania<\/a> \u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

Dynamic UBI\u306f\u3001UBI\u30d9\u30fc\u30b9\u306e\u30ea\u30b9\u30af\u5206\u6790\u3092\u4e3b\u6d41\u306b\u3057\u307e\u3059\u3002\n\u3053\u308c\u306b\u3088\u308a\u3001\u4fdd\u967a\u4f1a\u793e\u306f\u30c9\u30e9\u30a4\u30d0\u30fc\u306e\u30c7\u30fc\u30bf\u3092\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u3067\u8ffd\u8de1\u304a\u3088\u3073\u53ce\u96c6\u3067\u304d\u307e\u3059\u3002\n\u9867\u5ba2\u306f\u3001\u4fdd\u967a\u6599\u306e\u652f\u6255\u3044\u984d\u304c\u81ea\u5206\u306e\u7ba1\u7406\u4e0b\u306b\u3042\u308b\u3053\u3068\u3092\u77e5\u3063\u3066\u9ad8\u304f\u8a55\u4fa1\u3057\u3066\u3044\u307e\u3059\u3002\n\u5805\u7262\u3067\u4fe1\u983c\u6027\u306e\u9ad8\u3044\u30c0\u30a4\u30ca\u30df\u30c3\u30afUBI\u30b7\u30b9\u30c6\u30e0\u3092\u5099\u3048\u305f\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u904b\u8ee2\u7fd2\u6163\u306b\u95a2\u3059\u308b\u3088\u308a\u8a73\u7d30\u306a\u30c7\u30fc\u30bf\u3092\u53d6\u5f97\u3057\u3001\u30ea\u30b9\u30af\u3092\u6b63\u78ba\u306b\u8a55\u4fa1\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002 <\/p>\n\n

UBI\u306f\u30c7\u30fc\u30bf\u306e\u53ce\u96c6\u3001\u9001\u4fe1\u3001\u5206\u6790\u306b\u5927\u304d\u304f\u4f9d\u5b58\u3057\u3066\u3044\u308b\u305f\u3081\u3001\u4f9d\u7136\u3068\u3057\u3066\u5927\u304d\u306a\u8ab2\u984c\u304c\u5b58\u5728\u3057\u307e\u3059\u3002\n\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u30c9\u30e9\u30a4\u30d0\u30fc\u30c7\u30fc\u30bf\u306e\u53ce\u96c6\u65b9\u6cd5\u3092\u77e5\u3063\u3066\u3044\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u305d\u308c\u3092\u52b9\u679c\u7684\u306b\u5206\u6790\u3057\u3001\u305d\u306e\u5206\u6790\u7d50\u679c\u3092\u6709\u610f\u7fa9\u306a\u65b9\u6cd5\u3067\u89e3\u91c8\u3067\u304d\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3068\u3001\u5168\u7c73\u4fdd\u967a\u76e3\u7763\u5b98\u5354\u4f1a(NAIC)\u306e \u30a2\u30fc\u30ed\u30f3\u30fb\u30d6\u30e9\u30f3\u30c7\u30f3\u30d0\u30fc\u30b0<\/a> \u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\u5f37\u529b\u306a\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u958b\u767a\u3059\u308b\u3053\u3068\u3067\u3001\u4fdd\u967a\u4f1a\u793e\u306f\u81ea\u52d5\u8eca\u4fdd\u967a\u306b\u304a\u3051\u308bUBI\u306e\u9700\u8981\u306b\u5bfe\u5fdc\u3059\u308b\u80fd\u529b\u304c\u5411\u4e0a\u3057\u307e\u3059\u3002\n\u307e\u305f\u3001\u30b9\u30de\u30fc\u30c8\u30db\u30fc\u30e0\u5411\u3051\u306eUBI\u4fdd\u967a\u3084\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\u5bfe\u5fdc\u30bb\u30f3\u30b5\u30fc\u3092\u642d\u8f09\u3057\u305f\u4f01\u696d\u306a\u3069\u3001\u4ed6\u306e\u5206\u91ce\u306b\u3082\u30a8\u30f3\u30b2\u30fc\u30b8\u30e1\u30f3\u30c8\u3092\u62e1\u5927\u3057\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\"\"<\/figure>\n\n

\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u306e\u672a\u6765\u3078\u306e\u6e96\u5099<\/h2>\n\n

\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u4fdd\u967a\u5546\u54c1\u3092\u8a2d\u8a08\u3057\u3001\u305d\u308c\u3092\u4ee3\u7406\u5e97\u3084\u4ed6\u306e\u8ca9\u58f2\u4ee3\u7406\u5e97\u306b\u4f1d\u3048\u3001\u305d\u306e\u5f8c\u3001\u4ee3\u7406\u5e97\u304c\u9867\u5ba2\u306b\u9023\u7d61\u3092\u53d6\u308b\u3068\u3044\u3046\u30d1\u30a4\u30d7\u30e9\u30a4\u30f3\u30e2\u30c7\u30eb\u306e\u4e2d\u3067\u8a2d\u7acb\u3055\u308c\u307e\u3057\u305f\u3002 <\/p>\n\n

\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u306e\u53f0\u982d\u3060\u3051\u3067\u306a\u304f\u3001\u30d1\u30a4\u30d7\u30e9\u30a4\u30f3\u81ea\u4f53\u304c\u975e\u52b9\u7387\u7684\u3067\u6301\u7d9a\u4e0d\u53ef\u80fd\u306a\u91cf\u306e\u30ea\u30bd\u30fc\u30b9\u3092\u5fc5\u8981\u3068\u3059\u308b\u305f\u3081\u3001\u3053\u306e\u30e2\u30c7\u30eb\u306f\u4eba\u6c17\u304c\u8584\u308c\u3066\u3044\u308b\u3068\u3001\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u306b\u7126\u70b9\u3092\u5f53\u3066\u305f\u7814\u7a76\u3092\u884c\u3063\u3066\u3044\u308b\u30c0\u30fc\u30c8\u30de\u30b9\u5927\u5b66\u306e \u30b8\u30a7\u30d5\u30ea\u30fc\u30fb\u30d1\u30fc\u30ab\u30fc<\/a>\u6559\u6388\u306f\u8a00\u3046\u3002 <\/p>\n\n

\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u304c\u3088\u308a\u52b9\u7387\u7684\u306b\u306a\u308b\u3068\u3044\u3046\u70b9\u3067\u4e00\u81f4\u3057\u3066\u3044\u307e\u3059\u3002\n\u3053\u308c\u304c\u3001\u591a\u304f\u306e\u4eba\u304c\u793e\u5185\u306e\u30c7\u30b8\u30bf\u30eb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306e\u3088\u3046\u306a\u6280\u8853\u7684\u306a\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306b\u76ee\u3092\u5411\u3051\u3066\u3044\u308b\u7406\u7531\u3067\u3059\u3002\n\u3057\u304b\u3057\u3001\u3059\u3079\u3066\u306e\u4fdd\u967a\u4f1a\u793e\u304c\u660e\u78ba\u306a\u6700\u7d42\u76ee\u6a19\u3092\u6301\u3063\u3066\u30c7\u30b8\u30bf\u30eb \u30c8\u30e9\u30f3\u30b9\u30d5\u30a9\u30fc\u30e1\u30fc\u30b7\u30e7\u30f3\u306e\u521d\u671f\u6bb5\u968e\u306b\u9032\u3093\u3060\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002 <\/p>\n\n

\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u306f\u3001\u3053\u308c\u3089\u306e\u4f01\u696d\u306b\u660e\u78ba\u306a\u9053\u7b4b\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002\n\u300c\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u306b\u52b9\u7387\u7684\u306b\u53c2\u52a0\u3067\u304d\u308b\u3053\u3068\u306f\u3001\u4fdd\u967a\u4f1a\u793e\u306e\u30c7\u30b8\u30bf\u30eb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a9\u30fc\u30e1\u30fc\u30b7\u30e7\u30f3\u306e\u8ad6\u7406\u7684\u306a\u6700\u7d42\u76ee\u6a19\u3067\u3059\u300d\u3068\u3001EIS Group\u306eCTO\u517c\u30a8\u30b0\u30bc\u30af\u30c6\u30a3\u30d6\u30d0\u30a4\u30b9\u30d7\u30ec\u30b8\u30c7\u30f3\u30c8\u3067\u3042\u308b Mike Dwyer<\/a>\u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\u7d44\u7e54\u306e\u30b5\u30a4\u30ed\u5316\u3092\u89e3\u6d88\u3057\u3001\u30ec\u30ac\u30b7\u30fc\u30c7\u30fc\u30bf\u306b\u30a2\u30af\u30bb\u30b9\u3067\u304d\u308b\u3088\u3046\u306b\u3059\u308b\u793e\u5185\u306e\u30c7\u30b8\u30bf\u30eb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a9\u30fc\u30e1\u30fc\u30b7\u30e7\u30f3\u306f\u3001\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u3067\u5b8c\u5168\u306b\u767a\u5c55\u3057\u307e\u3059\u3002\n\u305d\u3053\u3067\u306f\u3001\u60c5\u5831\u3092\u7c21\u5358\u306b\u6d3b\u7528\u3057\u3066\u3001\u4eca\u65e5\u306e\u9867\u5ba2\u304c\u6c42\u3081\u308b\u95a2\u4fc2\u3001\u88fd\u54c1\u3001\u30b5\u30fc\u30d3\u30b9\u54c1\u8cea\u3092\u751f\u307f\u51fa\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\n\u305d\u3093\u306a\u60f3\u3044\u304b\u3089 BOLT X<\/a> \u3092\u4f5c\u308a\u307e\u3057\u305f\u3002\nBOLT X\u306f\u3001\u88fd\u54c1\u3001\u30b5\u30fc\u30d3\u30b9\u3001\u30d1\u30fc\u30c8\u30ca\u30fc\u3092\u5358\u4e00\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u7d71\u5408\u3057\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306e\u3042\u3089\u3086\u308b\u5074\u9762\u3092\u53ef\u8996\u5316\u3059\u308b\u3053\u3068\u3067\u3001\u30c7\u30b8\u30bf\u30eb\u914d\u4fe1\u3092\u30b7\u30fc\u30e0\u30ec\u30b9\u304b\u3064\u60c5\u5831\u306b\u57fa\u3065\u3044\u305f\u3082\u306e\u306b\u3057\u307e\u3059\u3002 <\/p>\n\n

\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u7d4c\u6e08\u306f\u3001\u5c0f\u58f2\u5e97\u3067\u306e\u8cb7\u3044\u7269\u304b\u3089\u8f38\u9001\u307e\u3067\u3001\u9867\u5ba2\u304c\u65e5\u5e38\u7684\u306b\u3084\u308a\u53d6\u308a\u3059\u308b\u591a\u304f\u306e\u30d3\u30b8\u30cd\u30b9\u306b\u3059\u3067\u306b\u9769\u547d\u3092\u3082\u305f\u3089\u3057\u3066\u3044\u307e\u3059\u3002\n\u9867\u5ba2\u304c\u4ed6\u306e\u5206\u91ce\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u306b\u6163\u308c\u308b\u306b\u3064\u308c\u3066\u3001\u5f93\u6765\u306e\u4fdd\u967a\u30d1\u30a4\u30d7\u30e9\u30a4\u30f3\u30e2\u30c7\u30eb\u306e\u6b20\u70b9\u304c\u3088\u308a\u660e\u78ba\u306b\u7406\u89e3\u3055\u308c\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3057\u305f\u3002\n\u3053\u306e\u30e2\u30c7\u30eb\u304b\u3089\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306e\u4e16\u754c\u306b\u79fb\u884c\u3059\u308b\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u9867\u5ba2\u304c\u3044\u308b\u5834\u6240\u3067\u5bfe\u5fdc\u3057\u3001\u305d\u306e\u7d50\u679c\u3001\u3088\u308a\u5fe0\u5b9f\u306a\u95a2\u4fc2\u3092\u7bc9\u304f\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002 <\/p>\n\n

\u753b\u50cf\u63d0\u4f9b:\u30a2\u30f3\u30c8\u30cb\u30aa\u30fb\u30ae\u30a8\u30e0\/\u00a9123RF.com\u3001\u30d4\u30f3\u30c1\u30e7\u30f3\/\u00a9123RF.com\u3001\u30f4\u30a1\u30ea\u30f3\u30fb\u30e9\u30bf\u30ca\u30d6\u30ea\u30fc\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\u79c1\u305f\u3061\u306e\u30d3\u30b8\u30cd\u30b9\u306e\u3084\u308a\u65b9\u306f\u3001\u9032\u884c\u4e2d\u306e\u30c7\u30b8\u30bf\u30eb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a9\u30fc\u30e1\u30fc\u30b7\u30e7\u30f3\u306b\u5bfe\u5fdc\u3057\u3001\u6c38\u7d9a\u3055\u305b\u3066\u304d\u307e\u3057\u305f\u3002 \u4f01\u696d\u304c\u30c7\u30b8\u30bf\u30eb\u901a\u4fe1\u3068\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u6d3b\u7528\u3059\u308b\u65b0\u3057\u3044\u65b9\u6cd5\u3092\u898b\u3064\u3051\u308b\u306b\u3064\u308c\u3066\u3001\u79c1\u305f\u3061\u306e\u7d4c\u6e08\u306f\u7269\u7406\u7684\u306a\u5834\u6240\u3084\u7d19\u306e\u30dd\u30ea\u30b7\u30fc\u306a\u3069 […]<\/p>\n","protected":false},"featured_media":6738,"template":"","insight-category":[],"class_list":["post-20852","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ja\/wp-json\/wp\/v2\/insight\/20852","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/ja\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/ja\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/ja\/wp-json\/wp\/v2\/media\/6738"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ja\/wp-json\/wp\/v2\/media?parent=20852"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ja\/wp-json\/wp\/v2\/insight-category?post=20852"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}