{"id":14344,"date":"2022-03-30T16:02:12","date_gmt":"2022-03-30T07:02:12","guid":{"rendered":"https:\/\/www.kotora.jp\/c\/?page_id=14344"},"modified":"2025-05-26T12:47:59","modified_gmt":"2025-05-26T03:47:59","slug":"insurance-words3","status":"publish","type":"post","link":"https:\/\/www.kotora.jp/c\/insurance-words3\/","title":{"rendered":"\u4fdd\u967a\u4f1a\u793e\u30ea\u30b9\u30af\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u95a2\u9023\u7528\u8a9e3"},"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-14344\"\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\" id=\"1\"><strong>EV \uff08\u30a8\u30f3\u30d9\u30c7\u30a3\u30c3\u30c9\u30fb\u30d0\u30ea\u30e5\u30fc\u3001\u6f5c\u5728\u4fa1\u5024\uff09<\/strong><\/h2>\n\n\n\n<p>EV(Embedded Value:\u30a8\u30f3\u30d9\u30c7\u30a3\u30c3\u30c9\u30fb\u30d0\u30ea\u30e5\u30fc\u3001\u6f5c\u5728\u4fa1\u5024)<\/p>\n\n\n\n<p>\u751f\u547d\u4fdd\u967a\u4f1a\u793e\u306e\u4f01\u696d\u4fa1\u5024\u30fb\u696d\u7e3e\u3092\u8a55\u4fa1\u3059\u308b\u6307\u6a19\u306e\u4e00\u3064\u3067\u3001\u4e3b\u306b\u8cb8\u501f\u5bfe\u7167\u8868\u304b\u3089\u8a08\u7b97\u3055\u308c\u308b\u300c\u4fee\u6b63\u7d14\u8cc7\u7523\u300d\u3068\u3001\u4fdd\u6709\u5951\u7d04\u304b\u3089\u751f\u3058\u308b\u5c06\u6765\u306e\u682a\u4e3b\u5229\u76ca\u306e\u73fe\u5728\u4fa1\u5024\u3067\u3042\u308b\u4fdd\u6709\u5951\u7d04\u4fa1\u5024\u306e\u5408\u8a08\u984d\u3067\u3042\u308b\u3002\u5f93\u6765\u306e\u751f\u547d\u4fdd\u967a\u682a\u5f0f\u4f1a\u793e\u306e\u6cd5\u5ef7\u4f1a\u8a08\u3067\u306f\u3001\u65b0\u5951\u7d04\u7372\u5f97\u304b\u3089\u4f1a\u8a08\u4e0a\u306e\u5229\u76ca\u304c\u5b9f\u73fe\u3059\u308b\u307e\u3067\u306b\u6642\u9593\u304c\u304b\u304b\u308b\u3002EV\u3067\u306f\u3001\u5c06\u6765\u306e\u5b9f\u73fe\u5229\u76ca\u3092\u73fe\u6642\u70b9\u3067\u8a55\u4fa1\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u305f\u3081\u3001\u6cd5\u5b9a\u4f1a\u8a08\u306b\u3088\u308b\u8ca1\u52d9\u60c5\u5831\u3092\u88dc\u5b8c\u3059\u308b\u5f79\u5272\u304c\u3042\u308b\u3002<\/p>\n\n\n\n<p>EV\u306b\u306fTEV\u3001EEV\u3001MCEV\u306e3\u7a2e\u985e\u304c\u3042\u308b\u3002\u6700\u521d\u306b\u30e8\u30fc\u30ed\u30c3\u30d1\u306e\u4fdd\u967a\u4f1a\u793e\u3092\u4e2d\u5fc3\u3068\u3057\u3066\u666e\u53ca\u3057\u305f\u8a08\u7b97\u65b9\u6cd5\u3092\u3001\u5f8c\u306b\u5236\u5b9a\u3055\u308c\u305f\u65b9\u6cd5\u3068\u533a\u5225\u3059\u308b\u610f\u5473\u3067TEV\uff08Traditional Embedded Value\u3001\u4f1d\u7d71\u7684\u306a\u30a8\u30f3\u30d9\u30c7\u30a3\u30c3\u30c9\u30fb\u30d0\u30ea\u30e5\u30fc\uff09\u3068\u547c\u3076\u3002\u305d\u306e\u5f8c\u3001TEV\u306b\u5bfe\u3059\u308b\u6279\u5224\u3092\u8e0f\u307e\u3048\u3066EEV\u539f\u5247\u3001MCEV\u539f\u5247\u304c\u5236\u5b9a\u3055\u308c\u3001\u3053\u308c\u3089\u306e\u30eb\u30fc\u30eb\u306b\u5247\u3063\u305f\u958b\u793a\u3078\u306e\u7d71\u4e00\u304c\u76ee\u6307\u3055\u308c\u3066\u3044\u308b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2\"><strong>EEV \uff08\u30e8\u30fc\u30ed\u30d4\u30a2\u30f3\u30fb\u30a8\u30f3\u30d9\u30c7\u30a3\u30c3\u30c9\u30fb\u30d0\u30ea\u30e5\u30fc\uff09<\/strong><\/h2>\n\n\n\n<p>EEV(European Embedded Value: \u30e8\u30fc\u30ed\u30d4\u30a2\u30f3\u30fb\u30a8\u30f3\u30d9\u30c7\u30a3\u30c3\u30c9\u30fb\u30d0\u30ea\u30e5\u30fc)<\/p>\n\n\n\n<p>EV\u306e\u8a08\u7b97\u624b\u6cd5\u3001\u958b\u793a\u5185\u5bb9\u306b\u3064\u3044\u3066\u4e00\u8cab\u6027\u304a\u3088\u3073\u900f\u660e\u6027\u3092\u9ad8\u3081\u308b\u3053\u3068\u3092\u76ee\u7684\u306b\u30012004 \u5e745\u6708\u306b\u6b27\u5dde\u306e\u5927\u624b\u4fdd\u967a\u4f1a\u793e\u306eCFO\uff08\u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005\uff09\u3067\u69cb\u6210\u3055\u308c\u308bCFO\u30d5\u30a9\u30fc\u30e9\u30e0\u306b\u3088\u3063\u3066\u305d\u308c\u306b\u95a2\u3059\u308b\u30ac\u30a4\u30c0\u30f3\u30b9\u3068\u3068\u3082\u306bEEV\u539f\u5247\u304c\u5236\u5b9a\u3055\u308c\u305f\u3002<\/p>\n\n\n\n<p>EEV\u539f\u5247\u3067\u306f\u3001EV\u306f\u300c\u5bfe\u8c61\u4e8b\u696d\u306b\u304a\u3051\u308b\u7dcf\u30ea\u30b9\u30af\u3092\u5341\u5206\u306b\u8a8d\u8b58\u3057\u305f\u4e0a\u3067\u3001\u5bfe\u8c61\u4e8b\u696d\u306b\u5272\u308a\u5f53\u3066\u3089\u308c\u305f\u8cc7\u7523\u304b\u3089\u5f97\u3089\u308c\u308b\u5206\u914d\u53ef\u80fd\u5229\u76ca\u306e\u4e2d\u306e\u682a\u4e3b\u5206\u306e\u73fe\u5728\u4fa1\u5024\u300d\u3068\u5b9a\u7fa9\u3055\u308c\u3066\u304a\u308a\u3001\u5168\u3066\u306e\u30ea\u30b9\u30af\u3092\u52d8\u6848\u3057\u3066\u6f5c\u5728\u4fa1\u5024\u3092\u7b97\u51fa\u3059\u308b\u3053\u3068\u304c\u6c42\u3081\u3089\u308c\u3066\u3044\u308b\u3002\u307e\u305f\u3001TEV\u3068\u306f\u7570\u306a\u308a\u3001\u30aa\u30d7\u30b7\u30e7\u30f3\u3068\u4fdd\u8a3c\u306e\u6642\u9593\u4fa1\u5024\u306e\u5f71\u97ff\u3092\u78ba\u7387\u8ad6\u7684\u624b\u6cd5\u306b\u3088\u3063\u3066\u8a08\u7b97\u3057\u3001\u305d\u306e\u7d50\u679c\u3092\u4fdd\u6709\u5951\u7d04\u4fa1\u5024\u304b\u3089\u63a7\u9664\u3059\u308b\u3053\u3068\u3068\u3057\u3066\u3044\u308b\u3002\u3064\u307e\u308a\u3001\u5951\u7d04\u8005\u304c\u4fdd\u6709\u3059\u308b\u6a29\u5229\u3084\u5951\u7d04\u8005\u306b\u5bfe\u3059\u308b\u4fdd\u8a3c\u3068\u3044\u3063\u305f\u3001\u682a\u4e3b\u306b\u5e30\u5c5e\u3057\u306a\u3044\u4fa1\u5024\u3092\u63a7\u9664\u3059\u3079\u304d\u3053\u3068\u3092\u660e\u793a\u3057\u3066\u3044\u308b\u3002\u5177\u4f53\u7684\u306b\u306f\u3001EV\u306f\u5bfe\u8c61\u4e8b\u696d\u306b\u5272\u308a\u5f53\u3066\u3089\u308c\u305f\u30d5\u30ea\u30fc\u30fb\u30b5\u30fc\u30d7\u30e9\u30b9\u3001\u7dad\u6301\u3059\u308b\u305f\u3081\u306e\u8cbb\u7528\u3092\u63a7\u9664\u3057\u305f\u5f8c\u306e\u5fc5\u8981\u8cc7\u672c\u3001\u4fdd\u6709\u5951\u7d04\u4fa1\u5024\u306e3\u3064\u306e\u5408\u8a08\u3067\u3042\u308b\u3002<\/p>\n\n\n\n<p>1\uff09\u30d5\u30ea\u30fc\u30fb\u30b5\u30fc\u30d7\u30e9\u30b9\u306f\u4fdd\u6709\u5951\u7d04\u306b\u5272\u308a\u5f53\u3066\u3089\u308c\u305f\u8cc7\u7523\u306e\u5e02\u5834\u4fa1\u5024\u3067\u3042\u308a\u3001\u4fdd\u6709\u5951\u7d04\u3092\u7dad\u6301\u3059\u308b\u305f\u3081\u306b\u5fc5\u8981\u3068\u306a\u308b\u8cc7\u7523\u306e\u5e02\u5834\u4fa1\u5024\u3067\u306f\u306a\u3044\u3002<\/p>\n\n\n\n<p>2\uff09\u5fc5\u8981\u8cc7\u672c \u5fc5\u8981\u8cc7\u672c\u306f\u682a\u4e3b\u3078\u306e\u914d\u5f53\u304c\u5236\u9650\u3055\u308c\u3001\u4fdd\u6709\u5951\u7d04\u8ca0\u50b5\u306e\u7dad\u6301\u306b\u5fc5\u8981\u3068\u3055\u308c\u308b\u984d\u3092\u8d85\u3048\u3066\u4fdd\u6709\u5951\u7d04\u306b\u5c5e\u3059\u308b\u8cc7\u7523\u306e\u5e02\u5834\u4fa1\u5024\u3067\u3042\u308b\u3002<\/p>\n\n\n\n<p>3\uff09\u4fdd\u6709\u5951\u7d04\u4fa1\u5024 \u4fdd\u6709\u5951\u7d04\u4fa1\u5024\u306f\u3001\u78ba\u5b9f\u6027\u7b49\u4fa1\u5c06\u6765\u5229\u76ca\u73fe\u4fa1\u304b\u3089\u3001\u30aa\u30d7\u30b7\u30e7\u30f3\u3068\u4fdd\u8a3c\u306e\u6642\u9593\u4fa1\u5024\u3001\u5fc5\u8981\u8cc7\u672c\u7dad\u6301\u306e\u305f\u3081\u306e\u8cbb\u7528\u3001\u975e\u30d5\u30a3\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30ea\u30b9\u30af\u306b\u4fc2\u308b\u8cbb\u7528\u3092\u63a7\u9664\u3059\u308b\u3053\u3068\u306b\u3088\u308a\u7b97\u51fa\u3059\u308b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3\"><strong>\u30aa\u30d7\u30b7\u30e7\u30f3\u3068\u4fdd\u8a3c\u306e\u6642\u9593\u4fa1\u5024<\/strong><\/h2>\n\n\n\n<p>\u30aa\u30d7\u30b7\u30e7\u30f3\u3068\u4fdd\u8a3c\u306e\u6642\u9593\u4fa1\u5024(Time Value of Financial Options and Guarantees)<\/p>\n\n\n\n<p>\u5e02\u5834\u3067\u53d6\u5f15\u3055\u308c\u3066\u3044\u308b\u30aa\u30d7\u30b7\u30e7\u30f3\u4fa1\u683c\u3068\u6574\u5408\u7684\u306a\u524d\u63d0\u306b\u57fa\u3065\u304f\u78ba\u7387\u8ad6\u7684\u624b\u6cd5\u3092\u7528\u3044\u3066\u8a08\u7b97\u3055\u308c\u305f\u30aa\u30d7\u30b7\u30e7\u30f3\u3068\u4fdd\u8a3c\u306e\u4fa1\u5024\u304b\u3089\u3001\u78ba\u5b9f\u6027\u7b49\u4fa1\u5229\u76ca\u73fe\u4fa1\u306b\u542b\u307e\u308c\u308b\u30aa\u30d7\u30b7\u30e7\u30f3\u3068\u4fdd\u8a3c\u306e\u4fa1\u5024\u3092\u63a7\u9664\u3057\u3066\u6c42\u3081\u3089\u308c\u308b\u3002\u5177\u4f53\u7684\u306b\u306f\u3001\u6709\u914d\u5f53\u5951\u7d04\u306e\u52d5\u7684\u914d\u5f53\u3001\u5909\u984d\u5546\u54c1\u306e\u6700\u4f4e\u4fdd\u8a3c\u3001\u4e88\u5b9a\u5229\u7387\u5909\u52d5\u578b\u5546\u54c1\u306e\u4e88\u5b9a\u5229\u7387\u6700\u4f4e\u4fdd\u8a3c\u3001\u52d5\u7684\u89e3\u7d04\u306a\u3069\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u304a\u3088\u3073\u4fdd\u8a3c\u3092\u8a08\u7b97\u5bfe\u8c61\u3068\u3059\u308b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"4\"><strong>\u5fc5\u8981\u8cc7\u672c\u7dad\u6301\u306e\u305f\u3081\u306e\u8cbb\u7528<\/strong><\/h2>\n\n\n\n<p>\u5fc5\u8981\u8cc7\u672c\u7dad\u6301\u306e\u305f\u3081\u306e\u8cbb\u7528(Cost of Holding the Required Capital)<\/p>\n\n\n\n<p>\u4fdd\u967a\u4f1a\u793e\u3067\u306f\u5065\u5168\u6027\u7dad\u6301\u306e\u305f\u3081\u306b\u8ca0\u50b5\u306e\u984d\u3092\u8d85\u3048\u3066\u5fc5\u8981\u8cc7\u672c\u3092\u4fdd\u6709\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b\u3002\u3053\u306e\u5fc5\u8981\u8cc7\u672c\u306b\u4fc2\u308b\u904b\u7528\u53ce\u76ca\u306b\u5bfe\u3059\u308b\u7a0e\u91d1\u3068\u3001\u5fc5\u8981\u8cc7\u672c\u306b\u4fc2\u308b\u8cc7\u7523\u904b\u7528\u8cbb\u7528\u3092\u5408\u308f\u305b\u3066\u5fc5\u8981\u8cc7\u672c\u7dad\u6301\u306e\u305f\u3081\u306e\u8cbb\u7528\u3068\u3059\u308b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"5\"><strong>\u975e\u30d5\u30a3\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30ea\u30b9\u30af\u306b\u4fc2\u308b\u8cbb\u7528<\/strong><\/h2>\n\n\n\n<p>\u975e\u30d5\u30a3\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30ea\u30b9\u30af\u306b\u4fc2\u308b\u8cbb\u7528<\/p>\n\n\n\n<p>EEV\u539f\u5247\u3067\u306f\u3001\u4e8b\u696d\u304c\u62b1\u3048\u308b\u5168\u3066\u306e\u30ea\u30b9\u30af\u3092\u52d8\u6848\u3057\u3066EV\u3092\u7b97\u51fa\u3059\u308b\u3053\u3068\u3068\u5b9a\u3081\u3089\u308c\u3066\u3044\u308b\u305f\u3081\u3001\u30d9\u30b9\u30c8\u30fb\u30a8\u30b9\u30c6\u30a3\u30e1\u30a4\u30c8\u524d\u63d0\u306b\u3088\u308b\u4fdd\u6709\u5951\u7d04\u4fa1\u5024\u3084\u30aa\u30d7\u30b7\u30e7\u30f3\u3068\u4fdd\u8a3c\u306e\u6642\u9593\u4fa1\u5024\u306b\u53cd\u6620\u3055\u308c\u306a\u3044\u30ea\u30b9\u30af\u306b\u4fc2\u308b\u8cbb\u7528\u3092\u3001\u3053\u306e\u3088\u3046\u306a\u9805\u76ee\u3067\u7279\u5225\u306b\u8a8d\u8b58\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b\u3002\u4e00\u822c\u7684\u306b\u306f\u3001\u6b7b\u4ea1\u7387\u306e\u5909\u52d5\u30ea\u30b9\u30af\u3084\u91d1\u5229\u4e0a\u6607\u6642\u306e\u9078\u629e\u7684\u89e3\u7d04\u306a\u3069\u306e\u30ea\u30b9\u30af\u306f\u975e\u30d5\u30a3\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30ea\u30b9\u30af\u3067\u306f\u3042\u308b\u304c\u3001\u30d9\u30b9\u30c8\u30fb\u30a8\u30b9\u30c6\u30a3\u30e1\u30a4\u30c8\u524d\u63d0\u3092\u9069\u5207\u306b\u8a2d\u5b9a\u3059\u308b\u3053\u3068\u306b\u3088\u3063\u3066\u8ffd\u52a0\u7684\u306a\u8cbb\u7528\u8abf\u6574\u306f\u4e0d\u8981\u3067\u3042\u308b\u3068\u8003\u3048\u3089\u308c\u3066\u3044\u308b\u3002\u975e\u30d5\u30a3\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30ea\u30b9\u30af\u306b\u4fc2\u308b\u8cbb\u7528\u3068\u3057\u3066\u8a8d\u8b58\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b\u30ea\u30b9\u30af\u3068\u3057\u3066\u306f\u3001\u30aa\u30da\u30ec\u30fc\u30b7\u30e7\u30ca\u30eb\u30fb\u30ea\u30b9\u30af\u304c\u6319\u3052\u3089\u308c\u308b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"6\"><strong>MCEV \uff08\u5e02\u5834\u6574\u5408\u7684\u30a8\u30f3\u30d9\u30c7\u30a3\u30c3\u30c9\u30fb\u30d0\u30ea\u30e5\u30fc\uff09<\/strong><\/h2>\n\n\n\n<p>MCEV(Market Consistent Embedded Value:\u5e02\u5834\u6574\u5408\u7684\u30a8\u30f3\u30d9\u30c7\u30a3\u30c3\u30c9\u30fb\u30d0\u30ea\u30e5\u30fc)<\/p>\n\n\n\n<p>2008\u5e746\u6708\u306b\u6b27\u5dde\u4e3b\u8981\u4fdd\u967a\u4f1a\u793e\u306eCFO\u30d5\u30a9\u30fc\u30e9\u30e0\u306b\u3088\u3063\u3066\u3001\u751f\u547d\u4fdd\u967a\u4f1a\u793e\u306e\u4f01\u696d\u4fa1\u5024\u8a55\u4fa1\u3092\u5e02\u5834\u3068\u6574\u5408\u7684\u306b\u884c\u3046\u3053\u3068\u3084\u4f1a\u793e\u9593\u306e\u6bd4\u8f03\u3092\u5bb9\u6613\u306b\u3059\u308b\u3053\u3068\u306a\u3069\u3092\u76ee\u7684\u3068\u3057\u3066MCEV\u539f\u5247\u304c\u5236\u5b9a\u3055\u308c\u305f\u3002<\/p>\n\n\n\n<p>MCEV\u539f\u5247\u306b\u3088\u308bEV\u7b97\u5b9a\u624b\u6cd5\u306f\u3001\u3088\u308a\u30ea\u30b9\u30af\u3092\u53cd\u6620\u3057\u305f\u624b\u6cd5\u3067\u3042\u308a\u3001\u500b\u3005\u306e\u4fdd\u967a\u7a2e\u985e\u3054\u3068\u306b\u30ea\u30b9\u30af\u3092\u3068\u3089\u3048\u3001\u5e02\u5834\u53d6\u5f15\u3055\u308c\u3066\u3044\u308b\u5546\u54c1\u4fa1\u683c\u3068\u6574\u5408\u6027\u3092\u4fdd\u3064\u3088\u3046\u5de5\u592b\u3055\u308c\u3066\u3044\u308b\u3002\u539f\u5247\u306e\u4e2d\u306e\u5b9a\u7fa9\u306b\u3088\u308c\u3070MCEV\u306f\u300c\u5bfe\u8c61\u4e8b\u696d\u306b\u304a\u3051\u308b\u7dcf\u30ea\u30b9\u30af\u3092\u5341\u5206\u306b\u8a8d\u8b58\u3057\u305f\u4e0a\u3067\u3001\u5bfe\u8c61\u4e8b\u696d\u306b\u5272\u308a\u5f53\u3066\u3089\u308c\u305f\u8cc7\u7523\u304b\u3089\u5f97\u3089\u308c\u308b\u5206\u914d\u53ef\u80fd\u5229\u76ca\u306e\u4e2d\u306e\u682a\u4e3b\u5206\u306e\u73fe\u5728\u4fa1\u5024\u300d\u3067\u3042\u308a\u3001\u30ea\u30b9\u30af\u6e2c\u5b9a\u3084\u30d1\u30e9\u30e1\u30fc\u30bf\u63a8\u5b9a\u306b\u304a\u3044\u3066\u306f\u30a4\u30f3\u30d7\u30e9\u30a4\u30c9\u30fb\u30dc\u30e9\u30c6\u30a3\u30ea\u30c6\u30a3\u3092\u7528\u3044\u308b\u306a\u3069\u3001\u57fa\u6e96\u65e5\u6642\u70b9\u306b\u304a\u3051\u308b\u5e02\u5834\u4fa1\u683c\u306b\u30ab\u30ea\u30d6\u30ec\u30fc\u30c8\u3059\u308b\u3053\u3068\u304c\u6c42\u3081\u3089\u308c\u308b\u3002MCEV\u306f\u3001\u5bfe\u8c61\u4e8b\u696d\u306b\u5272\u308a\u5f53\u3066\u3089\u308c\u305f\u30d5\u30ea\u30fc\u30fb\u30b5\u30fc\u30d7\u30e9\u30b9\u3001\u5fc5\u8981\u8cc7\u672c\u3001\u4fdd\u6709\u5951\u7d04\u4fa1\u5024\u306e3\u9805\u76ee\u304b\u3089\u69cb\u6210\u3055\u308c\u308b\u3002<\/p>\n\n\n\n<p>1\uff09\u30d5\u30ea\u30fc\u30fb\u30b5\u30fc\u30d7\u30e9\u30b9 \u30d5\u30ea\u30fc\u30fb\u30b5\u30fc\u30d7\u30e9\u30b9\u306f\u4fdd\u6709\u5951\u7d04\u306b\u5272\u308a\u5f53\u3066\u3089\u308c\u305f\u8cc7\u7523\u306e\u5e02\u5834\u4fa1\u5024\u3067\u3042\u308a\u3001\u4fdd\u6709\u5951\u7d04\u3092\u7dad\u6301\u3059\u308b\u305f\u3081\u306b\u5fc5\u8981\u3068\u306a\u308b\u8cc7\u7523\u306e\u5e02\u5834\u4fa1\u5024\u3067\u306f\u306a\u3044\u3002<\/p>\n\n\n\n<p>2\uff09\u5fc5\u8981\u8cc7\u672c \u5fc5\u8981\u8cc7\u672c\u306f\u682a\u4e3b\u3078\u306e\u914d\u5f53\u304c\u5236\u9650\u3055\u308c\u3001\u4fdd\u6709\u5951\u7d04\u8ca0\u50b5\u306e\u7dad\u6301\u306b\u5fc5\u8981\u3068\u3055\u308c\u308b\u984d\u3092\u8d85\u3048\u3066\u4fdd\u6709\u5951\u7d04\u306b\u5c5e\u3059\u308b\u8cc7\u7523\u306e\u5e02\u5834\u4fa1\u5024\u3067\u3042\u308b\u3002<\/p>\n\n\n\n<p>3\uff09\u4fdd\u6709\u5951\u7d04\u4fa1\u5024 \u4fdd\u6709\u5951\u7d04\u4fa1\u5024\u306f\u3001\u78ba\u5b9f\u6027\u7b49\u4fa1\u5c06\u6765\u5229\u76ca\u73fe\u4fa1\u3001TVFOG\u3001\u30d5\u30ea\u30af\u30b7\u30e7\u30ca\u30eb\u30fb\u30b3\u30b9\u30c8\u3001\u30d8\u30c3\u30b8\u4e0d\u80fd\u30ea\u30b9\u30af\u306b\u4fc2\u308b\u8cbb\u7528\u306e4\u9805\u76ee\u304b\u3089\u69cb\u6210\u3055\u308c\u3001\u78ba\u5b9f\u6027\u7b49\u4fa1\u5c06\u6765\u5229\u76ca\u73fe\u4fa1\u304b\u3089\u4ed63\u9805\u76ee\u3092\u5dee\u3057\u5f15\u3044\u305f\u984d\u3068\u3057\u3066\u7b97\u51fa\u3055\u308c\u308b\u3002<\/p>\n\n\n\n<p>MCEV\u3068TEV\u306e\u4e3b\u306a\u9055\u3044\u306f\u3001\u5272\u5f15\u7387\u3001\u53ce\u76ca\u7387\u3001\u30ea\u30b9\u30af\u6e96\u5099\u91d1\u3001\u6e2c\u5b9a\u65b9\u6cd5\u306e4\u7a2e\u985e\u3067\u3042\u308b\u3002\u5272\u5f15\u7387\u306b\u3064\u3044\u3066\u306f\u3001TEV\u3067\u306f\u30ea\u30b9\u30af\u30fb\u30d7\u30ec\u30df\u30a2\u30e0\u304c\u5168\u3066\u306e\u30ea\u30b9\u30af\u306b\u5bfe\u5fdc\u3059\u308b\u305f\u3081\u306b\u8a2d\u5b9a\u3055\u308c\u308b\u306e\u306b\u5bfe\u3057\u3001MCEV\u3067\u306f\u5272\u5f15\u7387\u304c\u30ea\u30b9\u30af\u30fb\u30d5\u30ea\u30fc\u30fb\u30ec\u30fc\u30c8\u3068\u3057\u3066\u8a2d\u5b9a\u3055\u308c\u308b\u3002<\/p>\n\n\n\n<p>\u53ce\u76ca\u7387\u306f\u3001TEV\u3067\u306f\u30ea\u30b9\u30af\u8cc7\u7523\u306b\u5bfe\u3057\u3066\u306f\u30ea\u30b9\u30af\u30fb\u30d5\u30ea\u30fc\u30fb\u30ec\u30fc\u30c8\u3088\u308a\u9ad8\u304f\u306a\u308b\u30ea\u30a2\u30eb\u30fb\u30ef\u30fc\u30eb\u30c9\u306e\u671f\u5f85\u53ce\u76ca\u7387\u3001MCEV\u3067\u306f\u30ea\u30b9\u30af\u30fb\u30d5\u30ea\u30fc\u30fb\u30ec\u30fc\u30c8\u3067\u3042\u308b\u3002<\/p>\n\n\n\n<p>\u30ea\u30b9\u30af\u6e96\u5099\u91d1\u306fTEV\u3067\u306f\u5272\u5f15\u7387\u4e2d\u306e\u30ea\u30b9\u30af\u30fb\u30d7\u30ec\u30df\u30a2\u30e0\u3084\u3001\u76ee\u6a19\u3068\u3059\u308b\u30bd\u30eb\u30d9\u30f3\u30b7\u30fc\u6bd4\u7387\u3092\u4fdd\u3064\u305f\u3081\u306e\u8cc7\u672c\u30b3\u30b9\u30c8\u3067\u3042\u308b\u306e\u306b\u5bfe\u3057\u3001MCEV\u3067\u306fTVOG\u3001CRNHR\u3001\u30d5\u30ea\u30af\u30b7\u30e7\u30ca\u30eb\u30fb\u30b3\u30b9\u30c8\u3067\u3042\u308b\u3002<\/p>\n\n\n\n<p>\u6e2c\u5b9a\u624b\u6cd5\u306fTEV\u3067\u306f\u6c7a\u5b9a\u8ad6\u7684\u624b\u6cd5\u3067\u3042\u3063\u3066\u3001TVOG\u306e\u6e2c\u5b9a\u65b9\u6cd5\u306f\u660e\u793a\u7684\u306b\u306f\u5b9a\u3081\u3089\u308c\u3066\u3044\u306a\u3044\u3002\u4e00\u65b9\u3067\u3001MCEV\u3067\u306f\u78ba\u7387\u8ad6\u7684\u624b\u6cd5\u306b\u3088\u3063\u3066\u3053\u308c\u3092\u6e2c\u5b9a\u3059\u308b\u3088\u3046\u5b9a\u3081\u3066\u3044\u308b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"7\"><strong>\u78ba\u5b9f\u6027\u7b49\u4fa1 \/ CE \uff08Certainty Equivalent\uff09<\/strong><\/h2>\n\n\n\n<p>\u8cc7\u7523\u3084\u8ca0\u50b5\u306e\u73fe\u5728\u4fa1\u5024\u3092\u6e2c\u5b9a\u3059\u308b\u305f\u3081\u306b\u5c06\u6765\u30ad\u30e3\u30c3\u30b7\u30e5\u30fb\u30d5\u30ed\u30fc\u3092\u6c7a\u5b9a\u8ad6\u7684\u306b\u5272\u308a\u5f15\u304f\u624b\u6cd5\u306e\u3053\u3068\u3002\u904b\u7528\u5229\u56de\u308a\u524d\u63d0\u3092\u30ea\u30b9\u30af\u30fb\u30d5\u30ea\u30fc\u30fb\u30ec\u30fc\u30c8\u3068\u3057\u3001\u5c06\u6765\u53ce\u76ca\u3092\u30ea\u30b9\u30af\u30fb\u30d5\u30ea\u30fc\u30fb\u30ec\u30fc\u30c8\u3067\u5272\u308a\u5f15\u3044\u3066\u73fe\u5728\u4fa1\u5024\u3092\u7b97\u51fa\u3059\u308b\u3002MCEV\u539f\u5247\u306b\u5247\u3063\u305f\u4fdd\u6709\u5951\u7d04\u4fa1\u5024\u8a08\u7b97\u306b\u304a\u3044\u3066\u3001\u4fdd\u6709\u5951\u7d04\u304b\u3089\u306e\u78ba\u5b9f\u6027\u7b49\u4fa1\u5c06\u6765\u5229\u76ca\u73fe\u4fa1\u304c\u305d\u306e\u57fa\u790e\u3068\u306a\u308b\u3002\u3053\u306e\u6642\u3001\u30ea\u30b9\u30af\u30fb\u30d5\u30ea\u30fc\u30fb\u30ec\u30fc\u30c8\u3068\u3057\u3066\u306f\u30b9\u30ef\u30c3\u30d7\u30fb\u30ec\u30fc\u30c8\u3092\u7528\u3044\u308b\u3079\u304d\u3068\u3055\u308c\u3066\u3044\u308b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"8\"><strong>CRNHR \uff08\u30d8\u30c3\u30b8\u4e0d\u80fd\u30ea\u30b9\u30af\u306b\u5bfe\u5fdc\u3059\u308b\u30b3\u30b9\u30c8\uff09<\/strong><\/h2>\n\n\n\n<p>CRNHR(Cost of Residual Non Hedgeable Risks:\u30d8\u30c3\u30b8\u4e0d\u80fd\u30ea\u30b9\u30af\u306b\u5bfe\u5fdc\u3059\u308b\u30b3\u30b9\u30c8)<\/p>\n\n\n\n<p>EV\u8a08\u7b97\u306b\u3042\u305f\u3063\u3066\u4e88\u6e2c\u3057\u305f\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306b\u306f\u4e0d\u78ba\u5b9f\u6027\u304c\u3042\u308b\u305f\u3081\u3001\u3053\u308c\u306b\u5bfe\u5fdc\u3059\u308b\u91d1\u984d\u3092\u30ea\u30b9\u30af\u30de\u30fc\u30b8\u30f3\u3068\u3057\u3066\u8a55\u4fa1\u3059\u308b\u3002\u682a\u4e3b\u306f\u3001\u30ea\u30b9\u30af\u3092\u53d6\u308b\u3053\u3068\u306b\u5bfe\u3057\u3066\u4e0a\u4e57\u305b\u3057\u3066\u30ea\u30bf\u30fc\u30f3\u3092\u7a3c\u3050\u5fc5\u8981\u304c\u3042\u308b\u304c\u3001\u305d\u306e\u8d85\u904e\u30ea\u30bf\u30fc\u30f3\u3092\u4fdd\u967a\u8ca0\u50b5\u306e\u4e00\u90e8\u3068\u3057\u3066\u898b\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002\u3053\u306e\u30ea\u30b9\u30af\u30de\u30fc\u30b8\u30f3\u3092\u7b97\u51fa\u3059\u308b\u969b\u306f\u3001\u8cc7\u672c\u30b3\u30b9\u30c8\u6cd5\u304c\u7528\u3044\u3089\u308c\u308b\u3053\u3068\u304c\u63a8\u5968\u3055\u308c\u3066\u3044\u308b\u3002\u3053\u306e\u624b\u6cd5\u306b\u3088\u3063\u3066\u3001\u30d8\u30c3\u30b8\u4e0d\u80fd\u30ea\u30b9\u30af\u304c\u5fc5\u8981\u3068\u3059\u308b\u8cc7\u672c\u3092\u6c7a\u5b9a\u3059\u308b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"9\"><strong>\u30d5\u30ea\u30af\u30b7\u30e7\u30ca\u30eb\u30fb\u30b3\u30b9\u30c8 \uff08Frictional Costs\uff09<\/strong><\/h2>\n\n\n\n<p>\u4fdd\u967a\u4f1a\u793e\u306e\u682a\u4e3b\u304c\u3001\u7d44\u7e54\u3092\u7d4c\u7531\u3057\u3066\u4fdd\u967a\u4e8b\u696d\u306b\u6295\u8cc7\u3057\u3066\u3044\u308b\u3053\u3068\u306b\u4f34\u3063\u3066\u8ca0\u62c5\u3057\u3066\u3044\u308b\u30b3\u30b9\u30c8\u306e\u3053\u3068\u3067\u3001\u5fc5\u8981\u8cc7\u672c\u306b\u95a2\u308f\u308b\u904b\u7528\u53ce\u76ca\u306b\u5bfe\u3059\u308b\u7a0e\u91d1\u3084\u8cc7\u7523\u904b\u7528\u8cbb\u7528\u306e\u73fe\u5728\u4fa1\u5024\u3068\u3057\u3066\u8a08\u7b97\u3059\u308b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"10\"><strong>CFV \uff08\u73fe\u5728\u5c65\u884c\u4fa1\u5024\uff09<\/strong><\/h2>\n\n\n\n<p>CFV(Current Fulfillment Value:\u73fe\u5728\u5c65\u884c\u4fa1\u5024)<\/p>\n\n\n\n<p>\u6642\u9593\u306e\u7d4c\u904e\u3068\u3068\u3082\u306b\u4fdd\u967a\u5951\u7d04\u8ca0\u50b5\u3092\u5c65\u884c\u3059\u308b\u5834\u5408\u306b\u4fdd\u967a\u4f1a\u793e\u304c\u8ca0\u62c5\u3059\u308b\u8cbb\u7528\u306e\u671f\u5f85\u73fe\u5728\u4fa1\u5024\u3092\u793a\u3057\u3066\u3044\u308b\u3002\u73fe\u5728\u5c65\u884c\u4fa1\u5024\u306e\u6e2c\u5b9a\u306b\u3042\u305f\u3063\u3066\u306f\u3001\u5e02\u5834\u60c5\u5831\u304c\u4e0d\u8db3\u3059\u308b\u5834\u5408\u306f\u3001\u5404\u793e\u306e\u5c06\u6765\u4e88\u6e2c\u3092\u4f7f\u7528\u3067\u304d\u308b\u3002\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306f\u4f1a\u793e\u81ea\u8eab\u306e\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306b\u57fa\u3065\u304f\u3079\u304d\u3067\u3042\u308a\u3001\u66f4\u306b\u3001\u4ed6\u306e\u5e02\u5834\u53c2\u52a0\u8005\u306b\u306f\u767a\u751f\u3057\u306a\u3044\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3082\u542b\u3081\u308b\u5834\u5408\u304c\u3042\u308b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"11\"><strong>\u30eb\u30c3\u30af\u30b9\u30eb\u30fc\u539f\u5247<\/strong><\/h2>\n\n\n\n<p>\u8ca1\u52d9\u60c5\u5831\u3092\u63d0\u4f9b\u3059\u308b\u969b\u306b\u3001\u5bfe\u8c61\u3068\u306a\u308b\u4f1a\u793e\u5358\u4f53\u306e\u60c5\u5831\u306e\u307f\u3092\u5831\u544a\u3059\u308b\u306e\u3067\u306a\u304f\u3001\u682a\u5f0f\u6301\u3061\u5408\u3044\u3084\u76f8\u4e92\u53d6\u5f15\u306a\u3069\u3092\u76f8\u6bba\u3057\u3001\u5b9f\u8cea\u7684\u306a\u30b0\u30eb\u30fc\u30d7\u5168\u4f53\u306e\u4f1a\u8a08\u3092\u884c\u3046\u9023\u7d50\u4f1a\u8a08\u306e\u3088\u3046\u306b\u3001\u9593\u63a5\u7684\u306b\u4fdd\u6709\u3059\u308b\u7d4c\u6e08\u4fa1\u5024\u307e\u3067\u628a\u63e1\u3059\u308b\u3053\u3068\u306b\u3088\u3063\u3066\u3001\u5168\u4f53\u3067\u4fdd\u6709\u3059\u308b\u7d4c\u6e08\u4fa1\u5024\u3092\u901a\u7b97\u3059\u308b\u8003\u3048\u65b9\u306e\u3053\u3068\u3002<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-wp-oembed-blog-card wp-block-embed-wp-oembed-blog-card\"><div class=\"wp-block-embed__wrapper\">\nhttps:\/\/www.kotora.jp/c\/insurance\/\n<\/div><\/figure>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-wp-oembed-blog-card wp-block-embed-wp-oembed-blog-card\"><div class=\"wp-block-embed__wrapper\">\nhttps:\/\/www.kotora.jp/c\/finance_security\/\n<\/div><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-right is-layout-flex wp-container-core-buttons-is-layout-d445cf74 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.kotora.jp\/index.cfm?utm_campaign=kotora_contents_it_consulting_books\">\u30b3\u30f3\u30b5\u30eb\u696d\u754c\u306b\u8a73\u3057\u3044\u30b3\u30f3\u30b5\u30eb\u30bf\u30f3\u30c8\u3078\u306e\u3054\u76f8\u8ac7\u306f\u3053\u3061\u3089\uff1e<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>EV \uff08\u30a8\u30f3\u30d9\u30c7\u30a3\u30c3\u30c9\u30fb\u30d0\u30ea\u30e5\u30fc\u3001\u6f5c\u5728\u4fa1\u5024\uff09 EV(Embedded Value:\u30a8\u30f3\u30d9\u30c7\u30a3\u30c3\u30c9\u30fb\u30d0\u30ea\u30e5\u30fc\u3001\u6f5c\u5728\u4fa1\u5024) \u751f\u547d\u4fdd\u967a\u4f1a\u793e\u306e\u4f01\u696d\u4fa1\u5024\u30fb\u696d\u7e3e\u3092\u8a55\u4fa1\u3059\u308b\u6307\u6a19\u306e\u4e00\u3064\u3067\u3001\u4e3b\u306b\u8cb8\u501f\u5bfe\u7167\u8868\u304b\u3089\u8a08\u7b97\u3055\u308c\u308b\u300c\u4fee\u6b63\u7d14\u8cc7\u7523\u300d\u3068\u3001\u4fdd [&hellip;]<\/p>\n","protected":false},"author":59,"featured_media":26679,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-templates\/right-sidebar.php","format":"standard","meta":{"footnotes":"","wp-seo-meta-description":"","wp-seo-meta-robots":[]},"categories":[1],"tags":[658,579,653,578,651,580,656,655,485,638,657],"class_list":{"0":"post-14344","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-uncategorized","8":"tag-658","9":"tag-579","10":"tag-653","11":"tag-578","12":"tag-651","13":"tag-580","14":"tag-656","15":"tag-655","16":"tag-glossary","17":"tag-638","18":"tag-657","19":"c-entry"},"acf":{"moreSummary":null},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u4fdd\u967a\u4f1a\u793e\u30ea\u30b9\u30af\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u95a2\u9023\u7528\u8a9e3 - KOTORA JOURNAL<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.kotora.jp/c\/insurance-words3\/\" \/>\n<meta property=\"og:locale\" content=\"ja_JP\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u4fdd\u967a\u4f1a\u793e\u30ea\u30b9\u30af\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u95a2\u9023\u7528\u8a9e3 - KOTORA JOURNAL\" \/>\n<meta property=\"og:description\" content=\"EV \uff08\u30a8\u30f3\u30d9\u30c7\u30a3\u30c3\u30c9\u30fb\u30d0\u30ea\u30e5\u30fc\u3001\u6f5c\u5728\u4fa1\u5024\uff09 EV(Embedded Value:\u30a8\u30f3\u30d9\u30c7\u30a3\u30c3\u30c9\u30fb\u30d0\u30ea\u30e5\u30fc\u3001\u6f5c\u5728\u4fa1\u5024) \u751f\u547d\u4fdd\u967a\u4f1a\u793e\u306e\u4f01\u696d\u4fa1\u5024\u30fb\u696d\u7e3e\u3092\u8a55\u4fa1\u3059\u308b\u6307\u6a19\u306e\u4e00\u3064\u3067\u3001\u4e3b\u306b\u8cb8\u501f\u5bfe\u7167\u8868\u304b\u3089\u8a08\u7b97\u3055\u308c\u308b\u300c\u4fee\u6b63\u7d14\u8cc7\u7523\u300d\u3068\u3001\u4fdd [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.kotora.jp/c\/insurance-words3\/\" \/>\n<meta property=\"og:site_name\" content=\"KOTORA JOURNAL\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/kotorakotora\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-03-30T07:02:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-26T03:47:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.kotora.jp/c\/images\/2023\/07\/2-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"\u30b3\u30c8\u30e9\uff08\u5e83\u5831\u30c1\u30fc\u30e0\uff09\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u57f7\u7b46\u8005\" \/>\n\t<meta name=\"twitter:data1\" content=\"\u30b3\u30c8\u30e9\uff08\u5e83\u5831\u30c1\u30fc\u30e0\uff09\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u63a8\u5b9a\u8aad\u307f\u53d6\u308a\u6642\u9593\" \/>\n\t<meta name=\"twitter:data2\" content=\"11\u5206\" \/>\n<script type=\"application\/ld+json\" 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