{"id":111980,"date":"2025-08-25T16:50:14","date_gmt":"2025-08-25T07:50:14","guid":{"rendered":"https:\/\/www.kotora.jp/c\/?p=111980"},"modified":"2025-08-26T10:45:32","modified_gmt":"2025-08-26T01:45:32","slug":"credit_risk316","status":"publish","type":"post","link":"https:\/\/www.kotora.jp/c\/credit_risk316\/","title":{"rendered":"\u3053\u308c\u3060\u3051\u306f\u77e5\u3063\u3066\u304a\u304d\u305f\u3044\uff01\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306e\u57fa\u672c\u3068\u5b9f\u8df5\u6cd5"},"content":{"rendered":"<div class=\"smb-contents-outline wp-block-snow-monkey-blocks-contents-outline\">\n\t\n<div\n\tclass=\"wpco-wrapper \"\n\taria-hidden=\"true\"\n\tid=\"\"\n\tdata-wpco-post-class=\".post-111980\"\n\tdata-wpco-selector=\".c-entry__content,.c-entry__content .wp-block-group,.c-entry__content .wp-block-group__inner-container\"\n\tdata-wpco-headings=\"h2,h3,h4\"\n\tdata-wpco-move=\"true\"\n\tdata-wpco-move-to=\".c-entry__content\"\n\t>\n\t\n\t<div class=\"wpco\">\n\t\t\t\t\t<h2 class=\"wpco__title\">\u76ee\u6b21<\/h2>\n\t\t\n\t\t<div class=\"contents-outline\"><\/div>\n\t<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u4fe1\u7528\u30ea\u30b9\u30af\u3068\u306f\uff1f\u57fa\u672c\u6982\u5ff5\u3068\u305d\u306e\u91cd\u8981\u6027<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u4fe1\u7528\u30ea\u30b9\u30af\u306e\u5b9a\u7fa9\u3068\u89e3\u91c8<\/strong><\/h3>\n\n\n\n<p><strong>\u4fe1\u7528\u30ea\u30b9\u30af<\/strong>\u3068\u306f\u3001\u4f01\u696d\u3084\u500b\u4eba\u304c\u5951\u7d04\u901a\u308a\u306b\u501f\u91d1\u306e\u8fd4\u6e08\u3084\u4ee3\u91d1\u306e\u652f\u6255\u3044\u304c\u3067\u304d\u306a\u304f\u306a\u308b\u53ef\u80fd\u6027\u304b\u3089\u751f\u3058\u308b\u30ea\u30b9\u30af\u3092\u6307\u3057\u307e\u3059\u3002\u5177\u4f53\u7684\u306b\u306f\u3001\u8cb8\u51fa\u91d1\u3001\u793e\u50b5\u3001\u56fd\u50b5\u3068\u3044\u3063\u305f\u91d1\u878d\u5546\u54c1\u3060\u3051\u3067\u306a\u304f\u3001\u4f01\u696d\u9593\u306e\u53d6\u5f15\u3067\u767a\u751f\u3059\u308b\u58f2\u639b\u91d1\u304c\u56de\u53ce\u3067\u304d\u306a\u304f\u306a\u308b\u30ea\u30b9\u30af\u3082\u542b\u307e\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u91d1\u878d\u6a5f\u95a2\u306b\u304a\u3051\u308b\u4fe1\u7528\u30ea\u30b9\u30af\u306f\u3001\u878d\u8cc7\u5148\u306e\u8ca1\u52d9\u72b6\u6cc1\u60aa\u5316\u3084\u50b5\u52d9\u4e0d\u5c65\u884c\uff08<strong>\u30c7\u30d5\u30a9\u30eb\u30c8<\/strong>\uff09\u306b\u3088\u3063\u3066\u8cc7\u7523\u4fa1\u5024\u304c\u4e0b\u304c\u3063\u305f\u308a\u3001\u640d\u5931\u304c\u767a\u751f\u3057\u305f\u308a\u3059\u308b\u30ea\u30b9\u30af\u3067\u3059\u3002\u30c7\u30d5\u30a9\u30eb\u30c8\u306b\u3088\u308b\u76f4\u63a5\u7684\u306a\u640d\u5931\u3060\u3051\u3067\u306a\u304f\u3001\u4fe1\u7528\u529b\u306e\u4f4e\u4e0b\u306b\u4f34\u3046\u8cc7\u7523\u4fa1\u5024\u306e\u5909\u52d5\u3084\u3001\u56fd\u5bb6\u30ec\u30d9\u30eb\u306e\u4e0d\u5b89\u5b9a\u6027\uff08\u30ab\u30f3\u30c8\u30ea\u30fc\u30ea\u30b9\u30af\uff09\u3082\u542b\u307e\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u4e8b\u696d\u4f1a\u793e\u306e\u58f2\u639b\u91d1\u30ea\u30b9\u30af\u3068\u3001\u91d1\u878d\u6a5f\u95a2\u306e\u878d\u8cc7\u30ea\u30b9\u30af\u306f\u3001\u305d\u308c\u305e\u308c\u7ba1\u7406\u624b\u6cd5\u3084\u76ee\u7684\u304c\u7570\u306a\u308b\u305f\u3081\u3001\u9069\u5207\u306a\u5bfe\u5fdc\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u4fe1\u7528\u30ea\u30b9\u30af\u304c\u30d3\u30b8\u30cd\u30b9\u306b\u4e0e\u3048\u308b\u5f71\u97ff<\/strong><\/h3>\n\n\n\n<p>\u4fe1\u7528\u30ea\u30b9\u30af\u304c\u8868\u9762\u5316\u3059\u308b\u3068\u3001\u30d3\u30b8\u30cd\u30b9\u306b\u6df1\u523b\u306a\u5f71\u97ff\u3092\u53ca\u307c\u3059\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u6700\u3082\u76f4\u63a5\u7684\u306a\u306e\u306f\u3001\u672a\u56de\u53ce\u306b\u3088\u308b\u91d1\u92ad\u7684\u306a\u640d\u5931\u3067\u3059\u3002\u52a0\u3048\u3066\u3001\u53d6\u5f15\u5148\u306e\u9023\u9396\u5012\u7523\u3084\u91d1\u878d\u6a5f\u95a2\u304b\u3089\u306e\u878d\u8cc7\u5f15\u304d\u4e0a\u3052\u306b\u3088\u308a\u3001\u30b5\u30d7\u30e9\u30a4\u30c1\u30a7\u30fc\u30f3\u5168\u4f53\u304c\u6df7\u4e71\u3057\u3001\u4e8b\u696d\u7d99\u7d9a\u304c\u56f0\u96e3\u306b\u306a\u308b\u30ea\u30b9\u30af\u3082\u9ad8\u307e\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u4f8b\u3048\u3070\u3001\u5927\u53e3\u53d6\u5f15\u5148\u304c\u5012\u7523\u3059\u308c\u3070\u3001\u81ea\u793e\u306e\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u304c\u6025\u6fc0\u306b\u60aa\u5316\u3057\u3001\u8ca1\u52d9\u554f\u984c\u306b\u767a\u5c55\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u50b5\u52d9\u4e0d\u5c65\u884c\u3084\u8ca1\u52d9\u554f\u984c\u3067\u4fe1\u7528\u683c\u4ed8\u3051\u304c\u5f15\u304d\u4e0b\u3052\u3089\u308c\u308b\u3068\u3001\u4fdd\u6709\u3059\u308b\u6709\u4fa1\u8a3c\u5238\u306e\u4fa1\u683c\u304c\u4e0b\u843d\u3057\u3001\u5e02\u5834\u30ea\u30b9\u30af\u304c\u9023\u52d5\u3057\u3066\u767a\u751f\u3059\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306b\u3001\u4fe1\u7528\u30ea\u30b9\u30af\u306f\u5e02\u5834\u30ea\u30b9\u30af\u3084\u6d41\u52d5\u6027\u30ea\u30b9\u30af\u3068\u5bc6\u63a5\u306b\u95a2\u9023\u3057\u3066\u304a\u308a\u3001\u5305\u62ec\u7684\u306a\u7ba1\u7406\u304c\u53ce\u76ca\u6027\u3084\u5065\u5168\u6027\u3092\u4fdd\u3064\u4e0a\u3067\u975e\u5e38\u306b\u91cd\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u30ea\u30b9\u30af\u7ba1\u7406\u306b\u304a\u3051\u308b\u4fe1\u7528\u30ea\u30b9\u30af\u306e\u4f4d\u7f6e\u3065\u3051<\/strong><\/h3>\n\n\n\n<p>\u4fe1\u7528\u30ea\u30b9\u30af\u306f\u3001\u7279\u306b\u91d1\u878d\u6a5f\u95a2\u306b\u304a\u3044\u3066\u3001\u30ea\u30b9\u30af\u7ba1\u7406\u5168\u4f53\u306e\u4e2d\u6838\u3092\u5360\u3081\u3066\u3044\u307e\u3059\u3002\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u4e0e\u4fe1\u7ba1\u7406\u3084\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u7ba1\u7406\u3092\u901a\u3058\u3066\u3001\u8cb8\u51fa\u5148\u3084\u53d6\u5f15\u76f8\u624b\u306e\u4fe1\u7528\u72b6\u6cc1\u3092\u5206\u6790\u3057\u3001\u30ea\u30b9\u30af\u3092\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u3059\u308b\u3053\u3068\u304c\u6c42\u3081\u3089\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u4e00\u65b9\u3001\u4e8b\u696d\u4f1a\u793e\u306b\u304a\u3044\u3066\u3082\u3001\u4fe1\u7528\u30ea\u30b9\u30af\u306f\u5e02\u5834\u30ea\u30b9\u30af\u3001\u6d41\u52d5\u6027\u30ea\u30b9\u30af\u3001\u30aa\u30da\u30ec\u30fc\u30b7\u30e7\u30ca\u30eb\u30fb\u30ea\u30b9\u30af\u3068\u3044\u3063\u305f\u4ed6\u306e\u4e3b\u8981\u30ea\u30b9\u30af\u3068\u4e26\u5217\u3057\u3066\u3001\u7d71\u5408\u7684\u306b\u7ba1\u7406\u3059\u3079\u304d\u4e3b\u8981\u306a\u30ea\u30b9\u30af\u306e\u4e00\u3064\u3067\u3059\u3002\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u3092\u5fb9\u5e95\u3059\u308b\u3053\u3068\u3067\u3001\u4e8b\u696d\u306e\u5b89\u5b9a\u6027\u3068\u9577\u671f\u7684\u306a\u53ce\u76ca\u6027\u3092\u78ba\u4fdd\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u4fe1\u7528\u30ea\u30b9\u30af\u306b\u304a\u3051\u308b\u4e88\u60f3\u640d\u5931\u3068\u975e\u4e88\u60f3\u640d\u5931<\/strong><\/h3>\n\n\n\n<p>\u4fe1\u7528\u30ea\u30b9\u30af\u3092\u7ba1\u7406\u3059\u308b\u969b\u306b\u306f\u3001\u30ea\u30b9\u30af\u3092\u5206\u985e\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002<strong>\u4e88\u60f3\u640d\u5931<\/strong>\uff08Expected Loss: <strong>EL<\/strong>\uff09\u306f\u3001\u904e\u53bb\u306e\u30c7\u30fc\u30bf\u304b\u3089\u7b97\u51fa\u3055\u308c\u308b\u5e73\u5747\u7684\u306a\u640d\u5931\u984d\u3067\u3001\u901a\u5e38\u306e\u4e8b\u696d\u6d3b\u52d5\u3067\u767a\u751f\u304c\u4e88\u6e2c\u3055\u308c\u308b\u30ea\u30b9\u30af\u3067\u3059\u3002\u3053\u308c\u306f\u8cb8\u5012\u5f15\u5f53\u91d1\u306e\u7a4d\u307f\u5897\u3057\u306a\u3069\u3001\u4e8b\u524d\u306b\u5099\u3048\u308b\u3053\u3068\u304c\u53ef\u80fd\u3067\u3059\u3002\u4e00\u65b9\u3001<strong>\u975e\u4e88\u60f3\u640d\u5931<\/strong>\uff08Unexpected Loss: <strong>UL<\/strong>\uff09\u306f\u3001\u60f3\u5b9a\u5916\u306b\u767a\u751f\u3059\u308b\u640d\u5931\u3001\u3064\u307e\u308a\u5e73\u5747\u5024\u304b\u3089\u306e\u30d6\u30ec\u3092\u6307\u3057\u307e\u3059\u3002\u3053\u308c\u306f\u4e88\u6e2c\u304c\u56f0\u96e3\u3067\u3042\u308a\u3001\u4e8b\u696d\u306e\u5b58\u7d9a\u3092\u8105\u304b\u3059\u53ef\u80fd\u6027\u3082\u3042\u308b\u305f\u3081\u3001\u81ea\u5df1\u8cc7\u672c\u3084\u30ea\u30b9\u30af\u30ad\u30e3\u30c3\u30d7\uff08\u640d\u5931\u306e\u4e0a\u9650\uff09\u3067\u5bfe\u5fdc\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u306e2\u3064\u306e\u5206\u985e\u3092\u660e\u78ba\u306b\u3059\u308b\u3053\u3068\u3067\u3001\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306e\u7cbe\u5ea6\u3092\u9ad8\u3081\u3001\u9069\u5207\u306a\u8cc7\u672c\u914d\u5206\u3092\u53ef\u80fd\u306b\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p class=\"has-text-align-right\"><strong><a href=\"https:\/\/www.kotora.jp\/service\/tenshoku_entry.php?utm_campaign=kotora_contents_credit_risk316\" target=\"_blank\" rel=\"noreferrer noopener\">\uff1e\u30b3\u30c8\u30e9\u304b\u3089\u975e\u516c\u958b\u6848\u4ef6\u3092\u53d7\u3051\u53d6\u308b<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u4fe1\u7528\u30ea\u30b9\u30af\u8a55\u4fa1\u306e\u57fa\u790e\u624b\u6cd5\u3068\u57fa\u6e96<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u30b9\u30b3\u30a2\u30ea\u30f3\u30b0\u30e2\u30c7\u30eb\u3068\u50b5\u52d9\u8005\u683c\u4ed8<\/strong><\/h3>\n\n\n\n<p><strong>\u30b9\u30b3\u30a2\u30ea\u30f3\u30b0\u30e2\u30c7\u30eb<\/strong>\u3068<strong>\u50b5\u52d9\u8005\u683c\u4ed8<\/strong>\u306f\u3001\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306b\u304a\u3051\u308b\u57fa\u672c\u7684\u304b\u3064\u91cd\u8981\u306a\u624b\u6cd5\u3067\u3059\u3002\u30b9\u30b3\u30a2\u30ea\u30f3\u30b0\u30e2\u30c7\u30eb\u306f\u3001\u8ca1\u52d9\u30c7\u30fc\u30bf\u3084\u53d6\u5f15\u5c65\u6b74\u306a\u3069\u306e\u5b9a\u91cf\u7684\u306a\u30c7\u30fc\u30bf\u3092\u57fa\u306b\u3001\u50b5\u52d9\u8005\u306e\u8fd4\u6e08\u80fd\u529b\u3092\u6570\u5024\u7684\u306b\u8a55\u4fa1\u3059\u308b\u4ed5\u7d44\u307f\u3067\u3001\u7d71\u8a08\u30e2\u30c7\u30eb\u3084\u6a5f\u68b0\u5b66\u7fd2\u30e2\u30c7\u30eb\u3092\u6d3b\u7528\u3057\u3066\u30ea\u30b9\u30af\u3092\u4e88\u6e2c\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u4e00\u65b9\u3001\u50b5\u52d9\u8005\u683c\u4ed8\u306f\u3001\u30b9\u30b3\u30a2\u30ea\u30f3\u30b0\u30e2\u30c7\u30eb\u306e\u8a55\u4fa1\u7d50\u679c\u306b\u52a0\u3048\u3001\u7d4c\u55b6\u8005\u306e\u8cc7\u8cea\u3084\u4e8b\u696d\u6226\u7565\u3001\u696d\u754c\u52d5\u5411\u3068\u3044\u3063\u305f\u5b9a\u6027\u7684\u306a\u8981\u7d20\u3082\u8003\u616e\u3057\u3001\u50b5\u52d9\u8005\u306e\u5065\u5168\u6027\u3084\u4fe1\u7528\u529b\u3092\u30e9\u30f3\u30af\u4ed8\u3051\u3059\u308b\u30d7\u30ed\u30bb\u30b9\u3067\u3059\u3002\u6b63\u78ba\u306a\u683c\u4ed8\u3051\u306f\u3001\u4fe1\u7528\u30ea\u30b9\u30af\u3092\u53ef\u8996\u5316\u3057\u3001\u9069\u5207\u306a\u7ba1\u7406\u3084\u30ea\u30b9\u30af\u8efd\u6e1b\u7b56\u3092\u8b1b\u3058\u308b\u4e0a\u3067\u5f79\u7acb\u3061\u307e\u3059\u3002\u591a\u304f\u306e\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u72ec\u81ea\u306e<strong>\u5185\u90e8\u683c\u4ed8\u30b7\u30b9\u30c6\u30e0<\/strong>\u3068\u3057\u3066\u3053\u306e\u30d7\u30ed\u30bb\u30b9\u3092\u78ba\u7acb\u3057\u3001\u904b\u7528\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u30c7\u30d5\u30a9\u30eb\u30c8\u7387\uff08PD\uff09\u3068\u640d\u5931\u7387\uff08LGD\uff09\u306e\u91cd\u8981\u6027<\/strong><\/h3>\n\n\n\n<p>\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306b\u304a\u3044\u3066\u91cd\u8981\u306a\u6307\u6a19\u3068\u3057\u3066\u3001<strong>\u30c7\u30d5\u30a9\u30eb\u30c8\u7387<\/strong>\uff08Probability of Default, <strong>PD<\/strong>\uff09\u3068<strong>\u640d\u5931\u7387<\/strong>\uff08Loss Given Default, <strong>LGD<\/strong>\uff09\u304c\u6319\u3052\u3089\u308c\u307e\u3059\u3002PD\u306f\u3001\u50b5\u52d9\u8005\u304c\u4e00\u5b9a\u671f\u9593\u5185\u306b\u8fd4\u6e08\u4e0d\u80fd\u3068\u306a\u308b\u78ba\u7387\u3092\u793a\u3057\u3001LGD\u306f\u3001\u30c7\u30d5\u30a9\u30eb\u30c8\u304c\u767a\u751f\u3057\u305f\u5834\u5408\u306b\u56de\u53ce\u3067\u304d\u306a\u3044\u640d\u5931\u984d\u306e\u5272\u5408\u3092\u793a\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u306e2\u3064\u306e\u8981\u7d20\u3092\u57fa\u306b\u7b97\u51fa\u3055\u308c\u308b\u4e88\u60f3\u640d\u5931\uff08EL\uff09\u306f\u3001\u6b21\u306e\u8a08\u7b97\u5f0f\u3067\u6c42\u3081\u3089\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<p>EL=PD\u00d7LGD\u00d7EAD<strong>EAD<\/strong>\uff08Exposure at Default\uff09\u306f\u3001\u30c7\u30d5\u30a9\u30eb\u30c8\u304c\u767a\u751f\u3057\u305f\u6642\u70b9\u3067\u306e\u50b5\u6a29\u6b8b\u9ad8\u3092\u793a\u3059\u91cd\u8981\u306a\u6307\u6a19\u3067\u3059\u3002\u3053\u308c\u3089\u306e\u6307\u6a19\u3092\u6b63\u78ba\u306b\u8a55\u4fa1\u3059\u308b\u305f\u3081\u306b\u306f\u3001\u904e\u53bb\u306e\u30c7\u30fc\u30bf\u5206\u6790\u3084\u5e02\u5834\u52d5\u5411\u306e\u628a\u63e1\u304c\u4e0d\u53ef\u6b20\u3067\u3001\u3053\u308c\u306b\u3088\u308a\u4fe1\u7528\u30ea\u30b9\u30af\u306e\u898b\u7a4d\u3082\u308a\u7cbe\u5ea6\u3092\u9ad8\u3081\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u4fe1\u7528\u683c\u4ed8\u5236\u5ea6\u306e\u5f79\u5272\u3068\u904b\u7528<\/strong><\/h3>\n\n\n\n<p><strong>\u4fe1\u7528\u683c\u4ed8\u5236\u5ea6<\/strong>\u306f\u3001\u56fd\u3084\u4f01\u696d\u306e\u4fe1\u7528\u30ea\u30b9\u30af\u3092\u30e9\u30f3\u30af\u4ed8\u3051\u3057\u3001\u6295\u8cc7\u5bb6\u3084\u8cb8\u51fa\u5148\u306b\u60c5\u5831\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3067\u3001\u91d1\u878d\u5e02\u5834\u306e\u5065\u5168\u6027\u3092\u652f\u3048\u3066\u3044\u307e\u3059\u3002\u4ee3\u8868\u7684\u306a\u683c\u4ed8\u6a5f\u95a2\u3067\u3042\u308b\u30e0\u30fc\u30c7\u30a3\u30fc\u30ba\u3084\u30b9\u30bf\u30f3\u30c0\u30fc\u30c9\u30fb\u30a2\u30f3\u30c9\u30fb\u30d7\u30a2\u30fc\u30ba\uff08S&amp;P\uff09\u306f\u3001\u516c\u6b63\u306a\u8a55\u4fa1\u3092\u57fa\u306bAAA\u304b\u3089D\u307e\u3067\u306e\u8a55\u4fa1\u30e9\u30f3\u30af\u3092\u8a2d\u5b9a\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u306e\u5236\u5ea6\u306b\u3088\u308a\u3001\u50b5\u5238\u3084\u305d\u306e\u4ed6\u306e\u91d1\u878d\u5546\u54c1\u306e\u30ea\u30b9\u30af\u7279\u6027\u304c\u53ef\u8996\u5316\u3055\u308c\u308b\u305f\u3081\u3001\u6295\u8cc7\u5bb6\u306f\u5b89\u5fc3\u3057\u3066\u610f\u601d\u6c7a\u5b9a\u3092\u884c\u3048\u307e\u3059\u3002\u307e\u305f\u3001\u5404\u683c\u4ed8\u3051\u306f\u5b9a\u671f\u7684\u306b\u898b\u76f4\u3055\u308c\u3001\u5e02\u5834\u74b0\u5883\u3084\u767a\u884c\u4f53\u306e\u72b6\u6cc1\u306b\u5fdc\u3058\u3066\u30a2\u30c3\u30d7\u30c7\u30fc\u30c8\u3055\u308c\u308b\u305f\u3081\u3001\u4fe1\u7528\u30ea\u30b9\u30af\u306e\u52d5\u5411\u628a\u63e1\u306b\u3082\u3064\u306a\u304c\u308a\u307e\u3059\u3002\u591a\u304f\u306e\u4f01\u696d\u3084\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u5916\u90e8\u683c\u4ed8\u306b\u52a0\u3048\u3066\u3001\u72ec\u81ea\u306e\u5185\u90e8\u683c\u4ed8\u30b7\u30b9\u30c6\u30e0\u3092\u69cb\u7bc9\u3057\u3001\u3088\u308a\u8a73\u7d30\u306a\u30ea\u30b9\u30af\u8a55\u4fa1\u3092\u884c\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u8cb8\u51fa\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u8a55\u4fa1\u306e\u57fa\u672c<\/strong><\/h3>\n\n\n\n<p><strong>\u8cb8\u51fa\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u8a55\u4fa1<\/strong>\u306f\u3001\u91d1\u878d\u6a5f\u95a2\u3084\u4f01\u696d\u304c\u8907\u6570\u306e\u8cb8\u51fa\u8cc7\u7523\u3092\u5305\u62ec\u7684\u306b\u628a\u63e1\u3057\u3001\u5168\u4f53\u306e\u4fe1\u7528\u30ea\u30b9\u30af\u3092\u8a55\u4fa1\u3059\u308b\u30d7\u30ed\u30bb\u30b9\u3067\u3059\u3002\u3053\u306e\u8a55\u4fa1\u306e\u76ee\u7684\u306f\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u5168\u4f53\u306e\u30ea\u30b9\u30af\u5206\u6563\u3092\u56f3\u308a\u3001\u6f5c\u5728\u7684\u306a\u30c7\u30d5\u30a9\u30eb\u30c8\u306b\u3088\u308b\u640d\u5931\u3092\u6700\u5c0f\u9650\u306b\u6291\u3048\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u8a55\u4fa1\u30d7\u30ed\u30bb\u30b9\u3067\u306f\u3001PD\u3084LGD\u3068\u3044\u3063\u305f\u57fa\u672c\u6307\u6a19\u306b\u52a0\u3048\u3001\u5404\u50b5\u52d9\u8005\u306e\u4fe1\u7528\u30ea\u30b9\u30af\u9593\u306e\u76f8\u95a2\u3092\u5206\u6790\u3059\u308b\u3053\u3068\u304c\u7279\u306b\u91cd\u8981\u3067\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u5168\u4f53\u306e\u5206\u6563\u52b9\u679c\u3092\u6b63\u78ba\u306b\u6e2c\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u5177\u4f53\u7684\u306b\u306f\u3001\u4fe1\u7528VaR\uff08Value at Risk\uff09\u306e\u3088\u3046\u306a\u30e2\u30c7\u30eb\u3084\u3001\u7279\u5b9a\u306e\u30b7\u30ca\u30ea\u30aa\u4e0b\u3067\u306e\u640d\u5931\u3092\u8a55\u4fa1\u3059\u308b<strong>\u30b9\u30c8\u30ec\u30b9\u30fb\u30c6\u30b9\u30c8<\/strong>\u3092\u6d3b\u7528\u3057\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u5065\u5168\u6027\u3068\u53ce\u76ca\u6027\u306e\u4e21\u7acb\u3092\u56f3\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u9069\u5207\u306a\u7ba1\u7406\u306b\u306f\u3001\u7d99\u7d9a\u7684\u306a\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u304c\u4e0d\u53ef\u6b20\u3067\u3059\u3002<\/p>\n\n\n\n<p class=\"has-text-align-right\"><strong><a href=\"https:\/\/www.kotora.jp\/service\/tenshoku_entry.php?utm_campaign=kotora_contents_credit_risk316\" target=\"_blank\" rel=\"noreferrer noopener\">\uff1e\u30ad\u30e3\u30ea\u30a2\u76f8\u8ac7\u306f\u3053\u3061\u3089\u3010\u7121\u6599\u3011<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u30d7\u30ed\u30bb\u30b9\u306e\u5b9f\u969b<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u30ea\u30b9\u30af\u8a55\u4fa1\u304b\u3089\u7ba1\u7406\u8a08\u753b\u306e\u7acb\u6848\u307e\u3067\u306e\u6d41\u308c<\/strong><\/h3>\n\n\n\n<p>\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306e\u6700\u521d\u306e\u30b9\u30c6\u30c3\u30d7\u306f<strong>\u30ea\u30b9\u30af\u8a55\u4fa1<\/strong>\u3067\u3059\u3002\u3053\u308c\u306f\u3001\u53d6\u5f15\u5148\u3084\u50b5\u52d9\u8005\u306e\u8ca1\u52d9\u72b6\u6cc1\u3092\u8a73\u7d30\u306b\u5206\u6790\u3057\u3001\u652f\u6255\u3044\u80fd\u529b\u3092\u8a55\u4fa1\u3059\u308b\u3053\u3068\u3092\u6307\u3057\u307e\u3059\u3002\u3053\u306e\u6bb5\u968e\u3067\u306f\u3001\u4fe1\u7528\u683c\u4ed8\u3051\u3084\u30b9\u30b3\u30a2\u30ea\u30f3\u30b0\u30e2\u30c7\u30eb\u3092\u6d3b\u7528\u3057\u3001<strong>\u30c7\u30d5\u30a9\u30eb\u30c8\u30ea\u30b9\u30af<\/strong>\u3092\u6570\u5024\u5316\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u306e\u8a55\u4fa1\u7d50\u679c\u306b\u57fa\u3065\u304d\u3001\u6b21\u306b\u300c\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u8a08\u753b\u300d\u3092\u7b56\u5b9a\u3057\u307e\u3059\u3002\u3053\u306e\u8a08\u753b\u3067\u306f\u3001\u7d44\u7e54\u306e<strong>\u30ea\u30b9\u30af\u30fb\u30a2\u30da\u30bf\u30a4\u30c8<\/strong>\uff08\u8a31\u5bb9\u53ef\u80fd\u306a\u30ea\u30b9\u30af\u6c34\u6e96\uff09\u3084<strong>\u30ea\u30b9\u30af\u30fb\u30ad\u30e3\u30d1\u30b7\u30c6\u30a3<\/strong>\uff08\u30ea\u30b9\u30af\u3092\u53d6\u308c\u308b\u6700\u5927\u91cf\uff09\u3092\u5b9a\u3081\u3001\u30ea\u30b9\u30af\u3092\u6700\u5c0f\u5316\u3057\u3064\u3064\u53ce\u76ca\u6027\u3092\u78ba\u4fdd\u3059\u308b\u305f\u3081\u306e\u5177\u4f53\u7684\u306a\u65b9\u91dd\u3092\u6c7a\u5b9a\u3057\u307e\u3059\u3002\u7279\u306b\u3001\u4e88\u60f3\u640d\u5931\uff08EL\uff09\u3068\u975e\u4e88\u60f3\u640d\u5931\uff08UL\uff09\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u8003\u616e\u3057\u305f\u8cc7\u672c\u914d\u5206\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u4fe1\u7528\u30ea\u30b9\u30af\u30dd\u30ea\u30b7\u30fc\u306e\u7b56\u5b9a\u3068\u904b\u7528<\/strong><\/h3>\n\n\n\n<p><strong>\u4fe1\u7528\u30ea\u30b9\u30af\u30dd\u30ea\u30b7\u30fc<\/strong>\u3068\u306f\u3001\u7d44\u7e54\u5168\u4f53\u3067\u5fb9\u5e95\u3055\u308c\u308b\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306e\u57fa\u672c\u6307\u91dd\u3067\u3059\u3002\u3053\u306e\u30dd\u30ea\u30b7\u30fc\u306f\u3001\u53d6\u5f15\u5148\u306e\u4fe1\u7528\u8a55\u4fa1\u57fa\u6e96\u3001\u878d\u8cc7\u4e0a\u9650\u306e\u8a2d\u5b9a\u3001\u62c5\u4fdd\u3084\u4fdd\u8a3c\u306e\u5229\u7528\u65b9\u91dd\u306a\u3069\u3001\u4fe1\u7528\u30ea\u30b9\u30af\u306b\u95a2\u308f\u308b\u5168\u3066\u306e\u30d7\u30ed\u30bb\u30b9\u3092\u7db2\u7f85\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u91d1\u878d\u5e81\u306e\u30ac\u30a4\u30c9\u30e9\u30a4\u30f3\u3084\u30d0\u30fc\u30bc\u30eb\u898f\u5236\u306b\u6e96\u62e0\u3059\u308b\u3053\u3068\u304c\u6c42\u3081\u3089\u308c\u307e\u3059\u304c\u3001\u4e8b\u696d\u4f1a\u793e\u3067\u3082\u3053\u308c\u3089\u3092\u53c2\u8003\u306b\u3059\u308b\u3053\u3068\u3067\u3001\u5f37\u56fa\u306a\u4f53\u5236\u3092\u69cb\u7bc9\u3067\u304d\u307e\u3059\u3002\u904b\u7528\u6bb5\u968e\u3067\u306f\u3001\u7d44\u7e54\u5185\u3060\u3051\u3067\u306a\u304f\u3001\u53d6\u5f15\u5148\u3078\u306e\u9069\u5207\u306a\u4f1d\u9054\u3084\u793e\u54e1\u6559\u80b2\u3082\u91cd\u8981\u3067\u3059\u3002\u30dd\u30ea\u30b7\u30fc\u304c\u5b9f\u52b9\u6027\u3092\u6301\u3064\u305f\u3081\u306b\u306f\u3001\u5b9a\u671f\u7684\u306a\u898b\u76f4\u3057\u3084\u3001\u5e02\u5834\u74b0\u5883\u306e\u5909\u5316\u306b\u5fdc\u3058\u305f\u67d4\u8edf\u306a\u4fee\u6b63\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u30ea\u30b9\u30af\u5206\u6563\u6226\u7565\u3068\u8cc7\u7523\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u6700\u9069\u5316<\/strong><\/h3>\n\n\n\n<p>\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306b\u306f\u3001<strong>\u30ea\u30b9\u30af\u5206\u6563\u6226\u7565<\/strong>\u304c\u4e0d\u53ef\u6b20\u3067\u3059\u3002\u30ea\u30b9\u30af\u5206\u6563\u3068\u306f\u3001\u6295\u8cc7\u5148\u3084\u878d\u8cc7\u5148\u3092\u5730\u7406\u3001\u696d\u7a2e\u3001\u53d6\u5f15\u898f\u6a21\u306a\u3069\u69d8\u3005\u306a\u89b3\u70b9\u3067\u5206\u6563\u3055\u305b\u308b\u3053\u3068\u3067\u3001\u7279\u5b9a\u306e\u53d6\u5f15\u5148\u306e\u50b5\u52d9\u4e0d\u5c65\u884c\u306b\u3088\u308b\u5f71\u97ff\u3092\u8efd\u6e1b\u3059\u308b\u624b\u6cd5\u3067\u3059\u3002\u9ad8\u5ea6\u306a\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u7ba1\u7406\u3067\u306f\u3001\u7279\u5b9a\u306e\u7d4c\u6e08\u6307\u6a19\u306b\u4f9d\u5b58\u3059\u308b\u30ea\u30b9\u30af\u3092\u5206\u6563\u3055\u305b\u308b<strong>\u30ea\u30b9\u30af\u30d5\u30a1\u30af\u30bf\u30fc\u5206\u6563<\/strong>\u306e\u8996\u70b9\u3082\u91cd\u8981\u306b\u306a\u308a\u307e\u3059\u3002\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u30fb\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\uff08<strong>CPM<\/strong>\uff09\u306e\u624b\u6cd5\u3092\u6d3b\u7528\u3057\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u5168\u4f53\u306e\u30ea\u30b9\u30af\u3092\u8a08\u6e2c\u3057\u3066\u9069\u5207\u306a\u30d0\u30e9\u30f3\u30b9\u3092\u7dad\u6301\u3059\u308b\u3053\u3068\u3067\u3001\u5065\u5168\u6027\u3068\u53ce\u76ca\u6027\u306e\u5411\u4e0a\u304c\u671f\u5f85\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u3068\u7ba1\u7406\u30d7\u30ed\u30bb\u30b9\u306e\u6539\u5584<\/strong><\/h3>\n\n\n\n<p>\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306e\u6700\u5f8c\u306e\u30b9\u30c6\u30c3\u30d7\u306f\u3001\u30ea\u30b9\u30af\u306e<strong>\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0<\/strong>\u3068\u30d7\u30ed\u30bb\u30b9\u306e\u7d99\u7d9a\u7684\u306a\u6539\u5584\u3067\u3059\u3002\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u3067\u306f\u3001\u53d6\u5f15\u5148\u306e\u8ca1\u52d9\u72b6\u6cc1\u3084\u5e02\u5834\u74b0\u5883\u306e\u5909\u5316\u3092\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u3067\u628a\u63e1\u3059\u308b\u3053\u3068\u304c\u6c42\u3081\u3089\u308c\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u6f5c\u5728\u7684\u306a\u30ea\u30b9\u30af\u3092\u65e9\u671f\u306b\u5bdf\u77e5\u3057\u3001\u8fc5\u901f\u306b\u5bfe\u5fdc\u3067\u304d\u308b\u4ed5\u7d44\u307f\u3092\u69cb\u7bc9\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u7ba1\u7406\u30d7\u30ed\u30bb\u30b9\u306e\u6539\u5584\u306f\u3001\u904e\u53bb\u306e\u30c7\u30fc\u30bf\u3084\u30d5\u30a3\u30fc\u30c9\u30d0\u30c3\u30af\u3092\u6d3b\u7528\u3059\u308b\u3053\u3068\u3067\u5b9f\u73fe\u3055\u308c\u307e\u3059\u3002AI\u3084\u30c7\u30fc\u30bf\u5206\u6790\u6280\u8853\u3092\u6d3b\u7528\u3059\u308b\u3068\u3001\u4e0d\u6b63\u53d6\u5f15\u306e\u65e9\u671f\u767a\u898b\u3084\u53d6\u5f15\u5148\u306e\u7570\u5e38\u5146\u5019\u691c\u77e5\u306a\u3069\u3001\u4fe1\u7528\u30ea\u30b9\u30af\u8a55\u4fa1\u306e\u7cbe\u5ea6\u3092\u3055\u3089\u306b\u5411\u4e0a\u3055\u305b\u308b\u3053\u3068\u304c\u53ef\u80fd\u3067\u3059\u3002\u30d7\u30ed\u30bb\u30b9\u306e\u6539\u5584\u306f\u3001\u7af6\u4e89\u512a\u4f4d\u6027\u306e\u78ba\u7acb\u306b\u76f4\u7d50\u3059\u308b\u305f\u3081\u3001\u7d99\u7d9a\u7684\u306a\u53d6\u308a\u7d44\u307f\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<p class=\"has-text-align-right\"><strong><a href=\"https:\/\/www.kotora.jp\/service\/tenshoku_entry.php?utm_campaign=kotora_contents_credit_risk316\" target=\"_blank\" rel=\"noreferrer noopener\">\uff1e\u767b\u9332\u3057\u3066\u30b3\u30f3\u30b5\u30eb\u30bf\u30f3\u30c8\u306b\u76f8\u8ac7<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306e\u6700\u65b0\u30c8\u30ec\u30f3\u30c9\u3068\u767a\u5c55<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>AI\u30fb\u30c7\u30fc\u30bf\u5206\u6790\u306b\u3088\u308b\u4fe1\u7528\u30ea\u30b9\u30af\u8a55\u4fa1\u306e\u9769\u65b0<\/strong><\/h3>\n\n\n\n<p>AI\u3084\u30c7\u30fc\u30bf\u5206\u6790\u6280\u8853\u306e\u767a\u5c55\u306b\u3088\u308a\u3001\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306e\u7cbe\u5ea6\u3068\u52b9\u7387\u304c\u5927\u5e45\u306b\u5411\u4e0a\u3057\u3066\u3044\u307e\u3059\u3002\u5f93\u6765\u3001\u5b9a\u6027\u7684\u306a\u8a55\u4fa1\u3084\u7d4c\u9a13\u306b\u983c\u3063\u3066\u3044\u305f\u4fe1\u7528\u30ea\u30b9\u30af\u8a55\u4fa1\u306b\u6a5f\u68b0\u5b66\u7fd2\u3084\u30d3\u30c3\u30b0\u30c7\u30fc\u30bf\u89e3\u6790\u304c\u5c0e\u5165\u3055\u308c\u3001\u53d6\u5f15\u5148\u306e\u8ca1\u52d9\u72b6\u6cc1\u3084\u904e\u53bb\u306e\u53d6\u5f15\u5c65\u6b74\u3092\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u3067\u5206\u6790\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u30c7\u30d5\u30a9\u30eb\u30c8\u7387\uff08PD\uff09\u3084\u640d\u5931\u7387\uff08LGD\uff09\u306e\u4e88\u6e2c\u7cbe\u5ea6\u304c\u9ad8\u307e\u308a\u3001\u4fe1\u7528\u4f9b\u4e0e\u306e\u610f\u601d\u6c7a\u5b9a\u3092\u8fc5\u901f\u5316\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u4e00\u65b9\u3067\u3001AI\u30e2\u30c7\u30eb\u306e\u300c\u8aac\u660e\u53ef\u80fd\u6027\uff08<strong>Explainability<\/strong>\uff09\u300d\u3084\u300c\u30d0\u30a4\u30a2\u30b9\uff08<strong>Bias<\/strong>\uff09\u300d\u3068\u3044\u3063\u305f\u8ab2\u984c\u306b\u3082\u5411\u304d\u5408\u3046\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002AI\u306f\u4e07\u80fd\u3067\u306f\u306a\u304f\u3001\u305d\u306e\u5224\u65ad\u6839\u62e0\u3092\u3044\u304b\u306b\u89e3\u91c8\u3057\u3001\u6700\u7d42\u7684\u306a\u7d4c\u55b6\u5224\u65ad\u306b\u751f\u304b\u3059\u304b\u304c\u91cd\u8981\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>ESG\u8981\u7d20\u3068\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306e\u63a5\u70b9<\/strong><\/h3>\n\n\n\n<p>\u8fd1\u5e74\u3001<strong>ESG<\/strong>\uff08\u74b0\u5883\u30fb\u793e\u4f1a\u30fb\u30ac\u30d0\u30ca\u30f3\u30b9\uff09\u8981\u7d20\u304c\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306e\u65b0\u305f\u306a\u8996\u70b9\u3068\u3057\u3066\u6ce8\u76ee\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u4f01\u696d\u306e\u6301\u7d9a\u53ef\u80fd\u306a\u7d4c\u55b6\u304c\u91cd\u8981\u8996\u3055\u308c\u308b\u4e2d\u3001ESG\u8a55\u4fa1\u304c\u4fe1\u7528\u30ea\u30b9\u30af\u5206\u6790\u306b\u7d44\u307f\u8fbc\u307e\u308c\u308b\u30b1\u30fc\u30b9\u304c\u5897\u3048\u3066\u3044\u307e\u3059\u3002\u4f8b\u3048\u3070\u3001\u6c17\u5019\u5909\u52d5\u3078\u306e\u5bfe\u5fdc\u304c\u9045\u308c\u3066\u3044\u308b\u4f01\u696d\u306f\u3001\u898f\u5236\u5c0e\u5165\u306b\u3088\u308b\u300c<strong>\u79fb\u884c\u30ea\u30b9\u30af<\/strong>\uff08Transition Risk\uff09\u300d\u3084\u3001\u81ea\u7136\u707d\u5bb3\u306b\u3088\u308b\u88ab\u5bb3\u3092\u53d7\u3051\u308b\u300c<strong>\u7269\u7406\u7684\u30ea\u30b9\u30af<\/strong>\uff08Physical Risk\uff09\u300d\u3068\u3044\u3063\u305f\u8ca1\u52d9\u7684\u30ea\u30b9\u30af\u3092\u62b1\u3048\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u307e\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u30ac\u30d0\u30ca\u30f3\u30b9\u304c\u5f31\u3044\u5834\u5408\u306b\u306f\u3001\u4f01\u696d\u4e0d\u7965\u4e8b\u306b\u3088\u308b\u30c7\u30d5\u30a9\u30eb\u30c8\u30ea\u30b9\u30af\u304c\u5897\u52a0\u3057\u307e\u3059\u3002\u3053\u3046\u3057\u305fESG\u306e\u89b3\u70b9\u3092\u53cd\u6620\u3057\u305f\u30ea\u30b9\u30af\u7ba1\u7406\u624b\u6cd5\u306f\u3001\u5f93\u6765\u306e\u5c3a\u5ea6\u3067\u306f\u30ab\u30d0\u30fc\u3057\u304d\u308c\u306a\u3044\u65b0\u3057\u3044\u30ea\u30b9\u30af\u8981\u56e0\u3092\u6355\u6349\u3059\u308b\u624b\u6bb5\u3068\u3057\u3066\u6ce8\u76ee\u3055\u308c\u3066\u3044\u307e\u3059\u304c\u3001\u975e\u8ca1\u52d9\u60c5\u5831\u3067\u3042\u308bESG\u30c7\u30fc\u30bf\u306e\u5b9a\u91cf\u5316\u306f\u4f9d\u7136\u3068\u3057\u3066\u5927\u304d\u306a\u8ab2\u984c\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u65b0\u3057\u3044\u91d1\u878d\u5546\u54c1\u306b\u304a\u3051\u308b\u30ea\u30b9\u30af\u306e\u30ad\u30e3\u30d7\u30c1\u30e3<\/strong><\/h3>\n\n\n\n<p>\u91d1\u878d\u5e02\u5834\u306e\u591a\u69d8\u5316\u306b\u4f34\u3044\u3001\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u3082\u9032\u5316\u3092\u6c42\u3081\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u7279\u306b\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30c7\u30ea\u30d0\u30c6\u30a3\u30d6\u3084\u30b0\u30ea\u30fc\u30f3\u30dc\u30f3\u30c9\u3001\u30b5\u30b9\u30c6\u30ca\u30d3\u30ea\u30c6\u30a3\u30ea\u30f3\u30af\u50b5\u3068\u3044\u3063\u305f\u65b0\u3057\u3044\u91d1\u878d\u5546\u54c1\u306b\u306f\u3001\u5f93\u6765\u306e\u8a55\u4fa1\u57fa\u6e96\u3067\u306f\u6e2c\u308a\u304d\u308c\u306a\u3044\u30ea\u30b9\u30af\u8981\u56e0\u304c\u542b\u307e\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u307e\u305f\u3001DeFi\uff08\u5206\u6563\u578b\u91d1\u878d\uff09\u3084\u6697\u53f7\u8cc7\u7523\u3068\u3044\u3063\u305f\u65b0\u3057\u3044\u9818\u57df\u3067\u306f\u3001\u5f93\u6765\u306e\u4fe1\u7528\u30ea\u30b9\u30af\u8a55\u4fa1\u624b\u6cd5\u304c\u9069\u7528\u3067\u304d\u306a\u3044\u305f\u3081\u3001\u5168\u304f\u65b0\u3057\u3044\u30a2\u30d7\u30ed\u30fc\u30c1\u304c\u6c42\u3081\u3089\u308c\u3066\u3044\u307e\u3059\u3002DeFi\u306e\u4e16\u754c\u3067\u306f\u3001\u30b9\u30de\u30fc\u30c8\u30b3\u30f3\u30c8\u30e9\u30af\u30c8\u306e\u30b3\u30fc\u30c9\u306e\u5065\u5168\u6027\u3084\u3001\u30d7\u30ed\u30b8\u30a7\u30af\u30c8\u306e\u30ac\u30d0\u30ca\u30f3\u30b9\u304c\u4fe1\u7528\u30ea\u30b9\u30af\u306b\u76f8\u5f53\u3059\u308b\u3068\u8003\u3048\u3089\u308c\u3066\u304a\u308a\u3001\u5f93\u6765\u306e\u4fe1\u7528\u30ea\u30b9\u30af\u306e\u6982\u5ff5\u3068\u306f\u7570\u306a\u308b\u300c<strong>\u30b3\u30f3\u30c8\u30e9\u30af\u30c8\u30ea\u30b9\u30af<\/strong>\u300d\u3084\u300c<strong>\u30d7\u30ed\u30c8\u30b3\u30eb\u30ea\u30b9\u30af<\/strong>\u300d\u3068\u3044\u3063\u305f\u65b0\u3057\u3044\u30ea\u30b9\u30af\u6982\u5ff5\u304c\u4f7f\u308f\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u5546\u54c1\u3067\u306f\u3001\u4fe1\u7528\u529b\u306e\u5909\u52d5\u306b\u52a0\u3048\u3001\u6301\u7d9a\u53ef\u80fd\u6027\u306b\u95a2\u9023\u3059\u308b\u8981\u56e0\u3084\u5e02\u5834\u30cb\u30fc\u30ba\u306e\u5909\u5316\u304c\u30ea\u30b9\u30af\u306e\u767a\u751f\u306b\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u3053\u3068\u304c\u3042\u308b\u305f\u3081\u3001\u3053\u308c\u3089\u3092\u7684\u78ba\u306b\u8a55\u4fa1\u3059\u308b\u305f\u3081\u306e\u65b0\u3057\u3044\u624b\u6cd5\u306e\u5c0e\u5165\u304c\u6c42\u3081\u3089\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u30b0\u30ed\u30fc\u30d0\u30eb\u5316\u3068\u4fe1\u7528\u30ea\u30b9\u30af\u306e\u56fd\u969b\u6bd4\u8f03<\/strong><\/h3>\n\n\n\n<p>\u30b0\u30ed\u30fc\u30d0\u30eb\u5316\u306e\u9032\u5c55\u306b\u3088\u308a\u3001\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306b\u304a\u3051\u308b\u56fd\u969b\u7684\u306a\u8996\u70b9\u306e\u91cd\u8981\u6027\u304c\u5897\u3057\u3066\u3044\u307e\u3059\u3002\u7279\u5b9a\u56fd\u306e\u7d4c\u6e08\u72b6\u6cc1\u3084\u6cd5\u5236\u5ea6\u306e\u9055\u3044\u3001\u5730\u57df\u3054\u3068\u306e\u4fe1\u7528\u8a55\u4fa1\u57fa\u6e96\u306e\u9055\u3044\u306f\u3001\u56fd\u969b\u53d6\u5f15\u306b\u304a\u3051\u308b\u30ea\u30b9\u30af\u8a55\u4fa1\u3092\u8907\u96d1\u5316\u3055\u305b\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u4f8b\u3048\u3070\u3001\u56fd\u50b5\u3067\u306f\u767a\u884c\u56fd\u306e\u4fe1\u7528\u529b\u3084\u653f\u6cbb\u7684\u5b89\u5b9a\u6027\u304c\u91cd\u8981\u306a\u8a55\u4fa1\u57fa\u6e96\u306b\u306a\u308a\u3001\u3053\u308c\u306f\u300c<strong>\u30ab\u30f3\u30c8\u30ea\u30fc\u30ea\u30b9\u30af<\/strong>\u300d\u3084\u300c<strong>\u30bd\u30d6\u30ea\u30f3\u30ea\u30b9\u30af<\/strong>\u300d\u3068\u3057\u3066\u6349\u3048\u3089\u308c\u307e\u3059\u3002\u4e00\u65b9\u3001\u4f01\u696d\u50b5\u5238\u3067\u306f\u767a\u884c\u56fd\u306e\u91d1\u878d\u5e02\u5834\u306e\u7279\u5fb4\u304c\u5206\u6790\u306b\u5f71\u97ff\u3057\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u56fd\u969b\u6bd4\u8f03\u3092\u9069\u5207\u306b\u884c\u3044\u3001\u5730\u57df\u3054\u3068\u306e\u30ea\u30b9\u30af\u8981\u56e0\u3092\u628a\u63e1\u3059\u308b\u3053\u3068\u304c\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u306b\u53d6\u5f15\u3092\u5c55\u958b\u3059\u308b\u91d1\u878d\u6a5f\u95a2\u3084\u4f01\u696d\u306b\u3068\u3063\u3066\u4e0d\u53ef\u6b20\u3067\u3059\u3002<\/p>\n\n\n\n<p class=\"has-text-align-right\"><strong><a href=\"https:\/\/www.kotora.jp\/service\/tenshoku_entry.php?utm_campaign=kotora_contents_credit_risk316\" target=\"_blank\" rel=\"noreferrer noopener\">\uff1e\u307e\u305a\u306f\u30b3\u30c8\u30e9\u306b\u767b\u9332<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306b\u95a2\u3059\u308b\u6c42\u4eba<\/h2>\n\n\n\n<p>\u30b3\u30c8\u30e9\u3067\u306f\u3001\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306b\u95a2\u3059\u308b\u6c42\u4eba\u30dd\u30b8\u30b7\u30e7\u30f3\u3092\u53d6\u308a\u63c3\u3048\u3066\u304a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<div class=\"wp-block-snow-monkey-blocks-box smb-box\" style=\"--smb-box--background-color:#ffffff;--smb-box--background-opacity:1;--smb-box--border-color:var(--_color-text);--smb-box--border-width:1px\"><div class=\"smb-box__background\"><\/div><div class=\"smb-box__body is-layout-constrained wp-block-box-is-layout-constrained\">\n<p class=\"has-text-align-center has-text-color-color has-text-color\"><span class=\"sme-font-size has-sm-xl-font-size\"><strong>\u5927\u624b\u9280\u884c\u3067\u306e\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u696d\u52d9\uff08\u30b0\u30eb\u30fc\u30d7\u5168\u4f53\u306e\u904b\u55b6\u30fb\u7ba1\u7406\u30fb\u9ad8\u5ea6\u5316\u306b\u5411\u3051\u305f\u4f01\u753b\u542b\u3080\uff09\u306e\u6c42\u4eba<\/strong><\/span><\/p>\n\n\n\n<p class=\"has-text-color-color has-text-color\"><strong><span style=\"background-image: linear-gradient(transparent 60%, rgba(239, 161, 26, 0.5) 60%)\" class=\"sme-highlighter\">\u3010\u30dd\u30b8\u30b7\u30e7\u30f3\u6982\u8981\u3011<\/span><\/strong><br>\u4e0e\u4fe1\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u7ba1\u7406\u3001\u65b0\u3057\u3044\u878d\u8cc7\uff08\u6cd5\u4eba\/\u500b\u4eba\uff09\u5546\u54c1\u306e\u30ea\u30b9\u30af\u30c1\u30a7\u30c3\u30af\u3001\u5be9\u67fb\u57fa\u6e96\u306e\u4f01\u753b\u7b49\u3092\u3054\u62c5\u5f53\u3044\u305f\u3060\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<div class=\"wp-block-snow-monkey-blocks-buttons smb-buttons is-content-justification-center is-layout-flex wp-container-snow-monkey-blocks-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-snow-monkey-blocks-btn smb-btn-wrapper smb-btn-wrapper--wider\"><a class=\"smb-btn smb-btn--wider smb-btn--wrap\" href=\"https:\/\/www.kotora.jp\/index.cfm?event=job.index&amp;jid=1436541&amp;https:\/\/www.kotora.jp\/c\/https:\/\/www.kotora.jp\/c\/https:\/\/www.kotora.jp\/c\/https:\/\/www.kotora.jp\/c\/ credit_risk316\/\" style=\"--smb-btn--background-color:#0693e3\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"smb-btn__label\"><strong>\u6c42\u4eba\u306e\u8a73\u7d30\uff0f\u6c42\u4eba\u3078\u306e\u5fdc\u52df\u306f\u3053\u3061\u3089<\/strong><\/span><\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-snow-monkey-blocks-box smb-box\" style=\"--smb-box--background-color:#ffffff;--smb-box--background-opacity:1;--smb-box--border-color:var(--_color-text);--smb-box--border-width:1px\"><div class=\"smb-box__background\"><\/div><div class=\"smb-box__body is-layout-constrained wp-block-box-is-layout-constrained\">\n<p class=\"has-text-align-center has-text-color-color has-text-color\"><span class=\"sme-font-size has-sm-xl-font-size\"><strong>\u3010\u30d5\u30e9\u30f3\u30af\u30d5\u30eb\u30c8\u3011\u5927\u624b\u9280\u884c\u3067\u306e\u5be9\u67fb\u53ca\u3073\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u696d\u52d9\u306e\u6c42\u4eba<\/strong><\/span><\/p>\n\n\n\n<p class=\"has-text-color-color has-text-color\"><strong><span style=\"background-image: linear-gradient(transparent 60%, rgba(239, 161, 26, 0.5) 60%)\" class=\"sme-highlighter\">\u3010\u30dd\u30b8\u30b7\u30e7\u30f3\u6982\u8981\u3011<\/span><\/strong><br>\uff081\uff09\u6b27\u963f\u4e2d\u6771\u5730\u57df\u306e\u975e\u65e5\u7cfb\u6cd5\u4eba\u9867\u5ba2\u306e\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306b\u95a2\u3059\u308b\u4ee5\u4e0b\u306e\u696d\u52d9<br>\u30fb\u53d6\u5f15\u62e0\u70b9\u306e\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u4f53\u5236\u30fb\u904b\u55b6\u72b6\u6cc1\u306b\u95a2\u3059\u308b\u76e3\u7763\u30fb\u6307\u5c0e<br>\u30fb\u9867\u5ba2\u306e\u4fe1\u7528\u30ea\u30b9\u30af\u533a\u5206\u30fb\u683c\u4ed8\u306e\u6c7a\u5b9a<br>\u30fb\u9867\u5ba2\u306b\u5bfe\u3059\u308b\u4e0e\u4fe1\u65b9\u91dd\u306e\u6c7a\u5b9a<br>\u30fb\u9867\u5ba2\u3068\u306e\u500b\u5225\u306e\u4e0e\u4fe1\u6848\u4ef6\u306e\u5be9\u67fb<\/p>\n\n\n\n<p class=\"has-text-color-color has-text-color\">\uff082\uff09\u6b27\u963f\u4e2d\u6771\u5730\u57df\u306b\u304a\u3051\u308b\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u7ba1\u7406\u30fb\u4e0e\u4fe1\u904b\u55b6\u30fb\u4e0e\u4fe1\u7ba1\u7406\u306b\u95a2\u3059\u308b\u4f01\u753b\u7acb\u6848\u3001\u73fe\u5730\u5f53\u5c40\u306e\u76e3\u7763\u30fb\u691c\u67fb\u5bfe\u5fdc<\/p>\n\n\n\n<div class=\"wp-block-snow-monkey-blocks-buttons smb-buttons is-content-justification-center is-layout-flex wp-container-snow-monkey-blocks-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-snow-monkey-blocks-btn smb-btn-wrapper smb-btn-wrapper--wider\"><a class=\"smb-btn smb-btn--wider smb-btn--wrap\" href=\"https:\/\/www.kotora.jp\/index.cfm?event=job.index&amp;jid=1393970&amp;https:\/\/www.kotora.jp\/c\/https:\/\/www.kotora.jp\/c\/https:\/\/www.kotora.jp\/c\/https:\/\/www.kotora.jp\/c\/ credit_risk316\/\" style=\"--smb-btn--background-color:#0693e3\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"smb-btn__label\"><strong>\u6c42\u4eba\u306e\u8a73\u7d30\uff0f\u6c42\u4eba\u3078\u306e\u5fdc\u52df\u306f\u3053\u3061\u3089<\/strong><\/span><\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-snow-monkey-blocks-box smb-box\" style=\"--smb-box--background-color:#ffffff;--smb-box--background-opacity:1;--smb-box--border-color:var(--_color-text);--smb-box--border-width:1px\"><div class=\"smb-box__background\"><\/div><div class=\"smb-box__body is-layout-constrained wp-block-box-is-layout-constrained\">\n<p class=\"has-text-align-center has-text-color-color has-text-color\"><span class=\"sme-font-size has-sm-xl-font-size\"><strong>\u5927\u624b\u640d\u4fdd\u4f1a\u793e\u3067\u306e\u30ea\u30b9\u30af\u7ba1\u7406\u696d\u52d9\uff08\u4fe1\u7528\u30ea\u30b9\u30af\u5b9a\u91cf\u696d\u52d9\uff09\u306e\u6c42\u4eba<\/strong><\/span><\/p>\n\n\n\n<p class=\"has-text-color-color has-text-color\"><strong><span style=\"background-image: linear-gradient(transparent 60%, rgba(239, 161, 26, 0.5) 60%)\" class=\"sme-highlighter\">\u3010\u30dd\u30b8\u30b7\u30e7\u30f3\u6982\u8981\u3011<\/span><\/strong><br>\u30fb\u9ad8\u5ea6\u306a\u91d1\u878d\u5de5\u5b66\u3001\u4fdd\u967a\u6570\u7406\u306e\u5c02\u9580\u6027\u3092\u751f\u304b\u3057\u3001ALM\u7ba1\u7406\u3084\u30ea\u30b9\u30af\u8a08\u6e2c\u3001ICS\u8a08\u6e2c\u7b49\u306e\u5b9f\u52d9\u306b\u3064\u3044\u3066\u3001\u81ea\u3089\u62c5\u5f53\u3059\u308b\u3068\u5171\u306b\u30c1\u30fc\u30e0\u3092\u30ea\u30fc\u30c9\u3057\u696d\u52d9\u3092\u63a8\u9032\u3057\u3066\u3044\u304f\u3002<br>\u30fb\u5f53\u793e\u30b0\u30eb\u30fc\u30d7\u306b\u304a\u3051\u308b\u8cc7\u7523\u904b\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u614b\u52e2\uff08\u5b9a\u91cf\u3001\u5b9a\u6027\u4e21\u9762\u304b\u3089\uff09\u306e\u3042\u308b\u3079\u304d\u59ff\u3092\u691c\u8a0e\u3057\u3001\u3053\u308c\u306b\u3080\u3051\u30b0\u30eb\u30fc\u30d7\u5404\u793e\u3068\u5bfe\u8a71\u3057\u306a\u304c\u3089\u3042\u308b\u3079\u304d\u59ff\u306b\u5411\u3051\u305f\u614b\u52e2\u6574\u5099\u3001\u9ad8\u5ea6\u5316\u306b\u3080\u3051\u305f\u5fc5\u8981\u306a\u652f\u63f4\u3092\u5b9f\u65bd\u3059\u308b\u3002<br>\u30fb\u5c06\u6765\u7684\u306b\u306f\u3001\u30ea\u30b9\u30af\u7ba1\u7406\u696d\u52d9\u306b\u7cbe\u901a\u3057\u9ad8\u3044\u5c02\u9580\u6027\u3092\u767a\u63ee\u3057\u3066\u30b0\u30eb\u30fc\u30d7\u306e\u8cc7\u7523\u904b\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u696d\u52d9\u3092\u30ea\u30fc\u30c9\u3067\u304d\u308b\u4eba\u6750\u3092\u76ee\u6307\u3059\u3002<\/p>\n\n\n\n<div class=\"wp-block-snow-monkey-blocks-buttons smb-buttons is-content-justification-center is-layout-flex wp-container-snow-monkey-blocks-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-snow-monkey-blocks-btn smb-btn-wrapper smb-btn-wrapper--wider\"><a class=\"smb-btn smb-btn--wider smb-btn--wrap\" href=\"https:\/\/www.kotora.jp\/index.cfm?event=job.index&amp;jid=1432095&amp;https:\/\/www.kotora.jp\/c\/https:\/\/www.kotora.jp\/c\/https:\/\/www.kotora.jp\/c\/https:\/\/www.kotora.jp\/c\/ credit_risk316\/\" style=\"--smb-btn--background-color:#0693e3\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"smb-btn__label\"><strong>\u6c42\u4eba\u306e\u8a73\u7d30\uff0f\u6c42\u4eba\u3078\u306e\u5fdc\u52df\u306f\u3053\u3061\u3089<\/strong><\/span><\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-snow-monkey-blocks-box smb-box\" style=\"--smb-box--background-color:#ffffff;--smb-box--background-opacity:1;--smb-box--border-color:var(--_color-text);--smb-box--border-width:1px\"><div class=\"smb-box__background\"><\/div><div class=\"smb-box__body is-layout-constrained wp-block-box-is-layout-constrained\">\n<p class=\"has-text-align-center has-text-color-color has-text-color\"><span class=\"sme-font-size has-sm-xl-font-size\"><strong>\u5927\u624b\u901a\u4fe1\u30b5\u30fc\u30d3\u30b9\u30b0\u30eb\u30fc\u30d7\u4f01\u696d\u3067\u306e\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306e\u6c42\u4eba<\/strong><\/span><\/p>\n\n\n\n<p class=\"has-text-color-color has-text-color\"><strong><span style=\"background-image: linear-gradient(transparent 60%, rgba(239, 161, 26, 0.5) 60%)\" class=\"sme-highlighter\">\u3010\u30dd\u30b8\u30b7\u30e7\u30f3\u6982\u8981\u3011<\/span><\/strong><br>\u25cf\u30b9\u30b3\u30a2\u30ea\u30f3\u30b0<br>\u30fb\u4e0e\u4fe1\u696d\u52d9\u5168\u822c\u306b\u304a\u3051\u308b\u696d\u52d9\u52b9\u7387\u6539\u5584\u63d0\u6848\u3001\u63a8\u9032<br>\u30fb\u5404\u30b5\u30fc\u30d3\u30b9\u306e\u521d\u671f\u30fb\u9014\u4e0a\u4e0e\u4fe1\u57fa\u6e96\u306e\u7b56\u5b9a<\/p>\n\n\n\n<p>\u25cf\u4fe1\u7528\u30ea\u30b9\u30af\u8a08\u91cf\u5316<br>\u30fb\u4fe1\u7528\u30ea\u30b9\u30af\u8a08\u6e2c\u624b\u6cd5\u306e\u958b\u767a\u3001\u7ba1\u7406\u30fb\u904b\u55b6<\/p>\n\n\n\n<p>\u25cf\u8a08\u91cf\u7d50\u679c\u6d3b\u7528<br>\u30fb\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u696d\u52d9\u306b\u304b\u304b\u308b\u5236\u5ea6\u8a2d\u8a08\u3001\u30b7\u30b9\u30c6\u30e0\u5316\u306b\u969b\u3057\u3066\u306e\u696d\u52d9\u8981\u4ef6\u6574\u7406<br>\u30fb\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u696d\u52d9\u306b\u304b\u304b\u308b\u30c7\u30fc\u30bf\u306e\u6574\u5099<\/p>\n\n\n\n<p class=\"has-text-color-color has-text-color\">\u25cf\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0<br>\u30fb\u4fe1\u7528\u30ea\u30b9\u30af\u95a2\u9023\u5404\u7a2e\u30ec\u30dd\u30fc\u30c8\u306e\u914d\u4fe1<\/p>\n\n\n\n<div class=\"wp-block-snow-monkey-blocks-buttons smb-buttons is-content-justification-center is-layout-flex wp-container-snow-monkey-blocks-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-snow-monkey-blocks-btn smb-btn-wrapper smb-btn-wrapper--wider\"><a class=\"smb-btn smb-btn--wider smb-btn--wrap\" href=\"https:\/\/www.kotora.jp\/index.cfm?event=job.index&amp;jid=1256825&amp;https:\/\/www.kotora.jp\/c\/https:\/\/www.kotora.jp\/c\/https:\/\/www.kotora.jp\/c\/https:\/\/www.kotora.jp\/c\/ credit_risk316\/\" style=\"--smb-btn--background-color:#0693e3\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"smb-btn__label\"><strong>\u6c42\u4eba\u306e\u8a73\u7d30\uff0f\u6c42\u4eba\u3078\u306e\u5fdc\u52df\u306f\u3053\u3061\u3089<\/strong><\/span><\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-snow-monkey-blocks-box smb-box\" style=\"--smb-box--background-color:#ffffff;--smb-box--background-opacity:1;--smb-box--border-color:var(--_color-text);--smb-box--border-width:1px\"><div class=\"smb-box__background\"><\/div><div class=\"smb-box__body is-layout-constrained wp-block-box-is-layout-constrained\">\n<p class=\"has-text-align-center has-text-color-color has-text-color\"><span class=\"sme-font-size has-sm-xl-font-size\"><strong>\u4fe1\u8a17\u9280\u884c\u3067\u306e\u4fe1\u7528\u30ea\u30b9\u30af\u62c5\u5f53\u306e\u6c42\u4eba<\/strong><\/span><\/p>\n\n\n\n<p class=\"has-text-color-color has-text-color\"><strong><span style=\"background-image: linear-gradient(transparent 60%, rgba(239, 161, 26, 0.5) 60%)\" class=\"sme-highlighter\">\u3010\u30dd\u30b8\u30b7\u30e7\u30f3\u6982\u8981\u3011<\/span><\/strong><br>\u5f53\u793e\u306f\u5927\u624b\u8a3c\u5238\u30b0\u30eb\u30fc\u30d7\u306e\u4fe1\u8a17\u9280\u884c\u3068\u3057\u3066\u3001\u30b0\u30eb\u30fc\u30d7\u5404\u793e\u3068\u9023\u643a\u3057\u3001\u5bcc\u88d5\u5c64\u306b\u5bfe\u3059\u308b\u30ed\u30fc\u30f3\u30d3\u30b8\u30cd\u30b9\u3001\u500b\u4eba\u306e\u304a\u5ba2\u69d8\u5411\u3051\u306e\u30d0\u30f3\u30ad\u30f3\u30b0\u696d\u52d9\u3001\u76f8\u7d9a\u30fb\u8cc7\u7523\u627f\u7d99\u30b5\u30fc\u30d3\u30b9\u3001\u5404\u7a2e\u4fe1\u8a17\u30b9\u30ad\u30fc\u30e0\u306e\u63d0\u4f9b\u3001\u8cc7\u7523\u6d41\u52d5\u5316\u5546\u54c1\u306e\u958b\u767a\u304a\u3088\u3073\u8ca9\u58f2\u3001\u6295\u8cc7\u4fe1\u8a17\u306e\u53d7\u8a17\u304a\u3088\u3073\u5e74\u91d1\u904b\u7528\u7b49\u3092\u884c\u3063\u3066\u304a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p class=\"has-text-color-color has-text-color\">\u3010\u696d\u52d9\u8a73\u7d30\u3011<br>\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406<br>\u30fb\u4fe1\u7528\u683c\u4ed8\u30e2\u30c7\u30eb\u306e\u69cb\u7bc9\u3001\u691c\u8a3c<br>\u30fb\u4fe1\u7528\u30ea\u30b9\u30af\uff08\u4fe1\u7528VaR\uff09\u306e\u8a08\u6e2c\u3001\u30e2\u30c7\u30eb\u691c\u8a3c<br>\u30fb\u81ea\u5df1\u67fb\u5b9a\u7d50\u679c\u306e\u691c\u8a3c<br>\u30fb\u5927\u53e3\u4fe1\u7528\u4f9b\u4e0e\u7b49\u898f\u5236\u306e\u9075\u5b88\u72b6\u6cc1\u30e2\u30cb\u30bf\u30fc<br>\u30fb\u5f53\u5c40\u5831\u544a<br>\u30fb\u898f\u5236\u5bfe\u5fdc<br>\u30fb\u4e0a\u8a18\u3092\u904b\u55b6\u30fb\u7ba1\u7406\u3059\u308b\u306b\u3042\u305f\u3063\u3066\u306e\u6301\u682a\u4f1a\u793e\u304a\u3088\u3073\u95a2\u9023\u90e8\u7f72\u3068\u306e\u30b3\u30df\u30e5\u30cb\u30b1\u30fc\u30b7\u30e7\u30f3<br>\uff08\u5c06\u6765\u7684\u306b\u306f\u914d\u7f6e\u8ee2\u63db\u7b49\u306b\u3088\u308a\u5f93\u4e8b\u3059\u308b\u696d\u52d9\u304c\u5909\u66f4\u306b\u306a\u308b\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\uff09<\/p>\n\n\n\n<div class=\"wp-block-snow-monkey-blocks-buttons smb-buttons is-content-justification-center is-layout-flex wp-container-snow-monkey-blocks-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-snow-monkey-blocks-btn smb-btn-wrapper smb-btn-wrapper--wider\"><a class=\"smb-btn smb-btn--wider smb-btn--wrap\" href=\"https:\/\/www.kotora.jp\/index.cfm?event=job.index&amp;jid=1419140&amp;https:\/\/www.kotora.jp\/c\/https:\/\/www.kotora.jp\/c\/https:\/\/www.kotora.jp\/c\/https:\/\/www.kotora.jp\/c\/ credit_risk316\/\" style=\"--smb-btn--background-color:#0693e3\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"smb-btn__label\"><strong>\u6c42\u4eba\u306e\u8a73\u7d30\uff0f\u6c42\u4eba\u3078\u306e\u5fdc\u52df\u306f\u3053\u3061\u3089<\/strong><\/span><\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-snow-monkey-blocks-box smb-box\" style=\"--smb-box--background-color:#ffffff;--smb-box--background-opacity:1;--smb-box--border-color:var(--_color-text);--smb-box--border-width:1px\"><div class=\"smb-box__background\"><\/div><div class=\"smb-box__body is-layout-constrained wp-block-box-is-layout-constrained\">\n<p class=\"has-text-align-center has-text-color-color has-text-color\"><span class=\"sme-font-size has-sm-xl-font-size\"><strong>\u5927\u624b\u91d1\u878d\u6a5f\u95a2\u3067\u306e\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u4f01\u753b\u306e\u6c42\u4eba<\/strong><\/span><\/p>\n\n\n\n<p class=\"has-text-color-color has-text-color\"><strong><span style=\"background-image: linear-gradient(transparent 60%, rgba(239, 161, 26, 0.5) 60%)\" class=\"sme-highlighter\">\u3010\u30dd\u30b8\u30b7\u30e7\u30f3\u6982\u8981\u3011<\/span><\/strong><br>\u4ee5\u4e0b\u306e1.\u301c4.\u306e\u696d\u52d9\u306e\u3044\u305a\u308c\u304b\u3001\u307e\u305f\u306f\u8907\u6570\u3092\u3054\u62c5\u5f53\u3044\u305f\u3060\u304d\u307e\u3059\u3002\u62c5\u5f53\u696d\u52d9\u306b\u3064\u3044\u3066\u306f\u5e0c\u671b\u3084\u9069\u6027\u306b\u5fdc\u3058\u3066\u76f8\u8ac7\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p>1.\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306b\u95a2\u3059\u308b\u4f01\u753b\u30fb\u7d71\u62ec\u30012.\u4fe1\u7528\u30ea\u30b9\u30af\u30c7\u30fc\u30bf\u306b\u95a2\u3059\u308b\u53ce\u96c6\u30fb\u5206\u6790\u30013.\u5185\u90e8\u683c\u4ed8\u3001\u81ea\u5df1\u67fb\u5b9a\u3001\u511f\u5374\u30fb\u5f15\u5f53\u30014.\u74b0\u5883\u30fb\u793e\u4f1a\u30ea\u30b9\u30af\u7ba1\u7406\u306b\u95a2\u3059\u308b\u4f01\u753b\u30fb\u7d71\u62ec<\/p>\n\n\n\n<p>\u25cf\u8a73\u7d30<br>1.\u4fe1\u7528\u30ea\u30b9\u30af\u7ba1\u7406\u306b\u95a2\u3059\u308b\u4f01\u753b\u30fb\u7d71\u62ec<br>\u4e0e\u4fe1\u96c6\u4e2d\u30ea\u30b9\u30af\u7ba1\u7406\u3001\u4fe1\u7528\u30ea\u30b9\u30af\u30b9\u30c8\u30ec\u30b9\u30c6\u30b9\u30c8\u306e\u4f01\u753b\u30fb\u7ba1\u7406\u3001\u4fe1\u7528\u30ea\u30b9\u30af\u30ac\u30d0\u30ca\u30f3\u30b9\u3001\u65b0\u898f\u5546\u54c1\u306e\u30ea\u30b9\u30af\u691c\u8a0e\u3001\u5404\u7a2e\u4e0e\u4fe1\u7ba1\u7406\u5236\u5ea6\u306e\u4f01\u753b\u30fb\u7ba1\u7406<\/p>\n\n\n\n<p>2.\u4fe1\u7528\u30ea\u30b9\u30af\u306e\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u30fb\u8a08\u91cf\u5316<br>\u5185\u90e8\u683c\u4ed8\u30fb\u4e0e\u4fe1\u96c6\u4e2d\u30ea\u30b9\u30af\u30fb\u30d5\u30a1\u30f3\u30c9\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u3001\u81ea\u5df1\u8cc7\u672c\u7ba1\u7406\u7b49\u306e\u4fe1\u7528\u30ea\u30b9\u30af\u30d1\u30e9\u30e1\u30fc\u30bf\u63a8\u8a08\u3084\u5185\u90e8\u683c\u4ed8\u30e2\u30c7\u30eb\u958b\u767a\u7b49<\/p>\n\n\n\n<p>3.\u5185\u90e8\u683c\u4ed8\u3001\u81ea\u5df1\u67fb\u5b9a\u3001\u511f\u5374\u30fb\u5f15\u5f53<br>\u4e8b\u696d\u6cd5\u4eba\u3084\u30ea\u30c6\u30fc\u30eb\u4e0e\u4fe1\u306b\u95a2\u3059\u308b\u5185\u90e8\u683c\u4ed8\u5236\u5ea6\u306e\u4f01\u753b\u30fb\u7ba1\u7406\u3001\u81ea\u5df1\u67fb\u5b9a\u3084\u511f\u5374\u30fb\u5f15\u5f53\u5236\u5ea6\u306e\u4f01\u753b\u30fb\u904b\u55b6<\/p>\n\n\n\n<p>4.\u74b0\u5883\u30fb\u793e\u4f1a\u30ea\u30b9\u30af\u7ba1\u7406\u306b\u95a2\u3059\u308b\u4f01\u753b\u30fb\u7d71\u62ec<br>\u74b0\u5883\u30fb\u793e\u4f1a\u30ea\u30b9\u30af\u7ba1\u7406\uff08ESRM\uff09\u306e\u4f01\u753b\u3001\u6c17\u5019\u5909\u52d5\u30ea\u30b9\u30af\u958b\u793a\uff08TCFD\uff09<\/p>\n\n\n\n<p 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