ãèšç»å¹ŽäŒã§ãããªãã®æäŒã¯ãããããŸããããšäžåžã«èšãããããéæ³ãïŒ æçµŠäŒæã®éæ³è¡çºã«ã€ããŠè§£èª¬
æ¬èšäºã§ã¯ãæçµŠäŒæã«é¢ããéæ³è¡çºã«ã€ããŠè©³ãã解説ããŸãã
ãã¡ã€ãã³ã·ã£ã«ãã©ã³ããŒ
FinancialFieldç·šééšã¯ãéèãçµæžã«é¢ããèšäºããæ¥ã ã®æ®ããã«ã©ã®ãããªåœ±é¿ãäžããããšããèŠç¹ã§ããéã®ç¥èããªãæ¹ã§ãçè§£ã§ããããããããããçºä¿¡ããŠããŸãã
ç·šééšã®ã¡ã³ããŒã¯ããã¡ã€ãã³ã·ã£ã«ãã©ã³ããŒã®è³æ ŒååŸè ãäžå¿ã«ããéãæ®ãããã«é¢ããæžç±ã»éèªã®ç·šéçµéšè ã§æ§æãããäŒç»ç«æ¡ããèšäºæ²èŒãŸã§ãã¹ãŠã®å·¥çšã«é¢ããããšã§ãèªè ç®ç·ã®ã³ã³ãã³ãã远æ±ããŠããŸãã
FinancialFieldã®ç¹åŸŽã¯ããã¡ã€ãã³ã·ã£ã«ãã©ã³ããŒãåŒè·å£«ãçšç士ãå® å°å»ºç©ååŒå£«ãçžç¶èšºæå£«ãäœå® ããŒã³ã¢ããã€ã¶ãŒãDCãã©ã³ããŒãå ¬èªäŒèšå£«ã瀟äŒä¿éºåŽå士ãè¡æ¿æžå£«ãæè³ã¢ããªã¹ãããã£ãªã¢ã³ã³ãµã«ã¿ã³ããªã©150å以äžã®æè³æ Œè ãå·çè ã»ç£ä¿®è ãšããŠè¿ãããããããæãããã幎éãçšéãçžç¶ãä¿éºãããŒã³ãªã©ã®è©±ãããããããçºä¿¡ããŠããç¹ã§ãã
ãã®ããã«ç·šéçµéšè±å¯ãªã¡ã³ããŒãšéèãçµæžã«ç²Ÿéããå·çè ã»ç£ä¿®è ã«ããå·çäœå¶ãç¯ãããšã§ãå 容ã®ããããããã¯ãã¡ããã®ããšãèªã¿å¿ãã®ããã³ã³ãã³ããšç¢ºããªæ å ±çºä¿¡ãå®çŸããŠããŸãã
ç§ãã¡ã¯ãå¿«é©ã§ããè¯ãçæŽ»ã®ã¢ã€ãã¢ãæäŸãããéã®ã³ã³ã·ã§ã«ãžã¥ãç®æããŸãã
ç®æ¬¡
æçµŠäŒæã¯æ³åŸã§å®ããããŠãã
æçµŠäŒæã¯åŽååºæºæ³ç¬¬39æ¡ã«ãã£ãŠæ¥çš®ãæ¥æ
ã«ãããããããŸãæ£ç€Ÿå¡ãããŒãã¿ã€ã ãã¢ã«ãã€ããæŽŸé£ç€Ÿå¡ãªã©åŽåè
ã®åºåãªããäžå®ã®èŠä»¶ãæºãããå
šãŠã®åŽåè
ã«å¯ŸããŠã幎次æçµŠäŒæãäžããªããã°ãªããªããšå®ããããŠããŸããåŽååºæºæ³ãäžåãã«ãŒã«ãäŒæ¥ãç¬èªã«èšããå Žåã«ã¯åŠçœ°ã®å¯Ÿè±¡ãšãªããŸãã
æçµŠäŒæã«é¢ããéæ³è¡çºãšã¯ïŒ
æçµŠäŒæã«é¢ããéæ³è¡çºã«ã¯ã©ã®ãããªãã®ãããã®ã§ããããïŒ ãããã詳ãã解説ããŸãã
èŠä»¶ãæºãããŠããã®ã«æçµŠäŒæãä»äžãããªãã®ã¯éæ³
幎次æçµŠäŒæã®æäœæ¥æ°ã¯æ³åŸã§æ±ºããããŠããŸããå³è¡š1ã®ãšããæçµŠäŒæã¯å
¥ç€Ÿããå幎çµéãããš10æ¥ä»äžããããã®åŸæ¯å¹Ž1æ¥ãŸãã¯2æ¥ãã€å¢å ããŸãã6幎åã§åèš20æ¥ä»äžããããã®åŸã¯æ¯å¹Ž20æ¥ãã€ä»äžãããŸãã
ãã ãããããŸã§ãåŽååºæºæ³ã§å®ããŠããæäœæ¥æ°ãšãªããããå³è¡š1ããå€ãæçµŠäŒæãä»äžããŠãåé¡ãããŸãããäŸãã°äŒæ¥ã«ãã£ãŠã¯ã1幎ç®ãã20æ¥ä»äžããããšãå¯èœã§ããæçµŠäŒæã®çºçèŠä»¶ã¯éçšãããæ¥ãã6ã¶æç¶ç¶å€åããŠããããšã«å ããå
šåŽåæ¥ã®8å²ä»¥äžåºå€ããŠããããšã§ãã
å³è¡š1
åçåŽåç 幎次æçµŠäŒæã®ä»äžæ¥æ°ã¯æ³åŸã§æ±ºãŸã£ãŠããŸã
ç¶ç¶å€åãšã¯äºæ¥ãè¡ãããŠããå Žæã«ãããåšç±æéã§ããå
·äœçã«ã¯å®å¹Žéè·è
ãå±èšç€Ÿå¡ãšããŠåéçšããå Žåãªã©ã¯ãç¶ç¶å€åãšããŠæ±ãããŸãããããç¶ç¶å€åã®äŸå€ãšããŠã以äžãæããããŸãã
âæ¥åäžã®ãããç
æ°ã§äŒãã§ããæéãè²å
äŒæ¥ãä»è·äŒæ¥ãååŸããæéãªã©ã¯ãåºå€ãããã®ãšã¿ãªããŠåãæ±ããã
âäŒç€Ÿéœåã®äŒæ¥æéãªã©ã¯ååãšããŠãå
šåŽåæ¥ããé€å€ããã
ãã®ããã«èŠä»¶ãæºãããŠããå Žåã«ã¯ãå¿
ãæçµŠäŒæãä»äžãããŸããå察ã«èŠä»¶ãæºãããŠããã«ãããããããæçµŠäŒæãä»äžãããªãå Žåã¯éæ³ã§ãã
æçµŠäŒæã®æåŠã¯éæ³
æçµŠäŒæã¯åŽåè
ã®æš©å©ã§ãããäŒæ¥åŽã«æåŠããæš©å©ã¯ãããŸããããšã¯ãããæçµŠç³è«ããéã«äŒæ¥åŽã«äººæäžè¶³ãªã©ã®äºæ
ãããå Žåã«ã¯ãäŒæ¥åŽãæå£å€æŽã®äŸé Œãããããšã¯å¯èœã§ãããããããããŸã§ãæå£å€æŽã®ãäŸé ŒããšãªããããåŽåè
ãæçµŠäŒæãååŸãããå ŽåãäŒæ¥åŽã¯åŽåè
ã®ææãæåŠã§ããŸããã
ãŸãäŒæ¥åŽã¯å¹Ž10æ¥ä»¥äžã®æçµŠäŒæãä»äžãããåŽåè
ã«å¯ŸããŠã¯ãæçµŠäŒæã®æ¥æ°ã®ãã¡å¹Ž5æ¥ã«ã€ããŠåŽåè
ã®æèŠãå°éããäžã§ãæçµŠäŒæãæå®ããŠååŸãããå¿
èŠããããŸãã
10æ¥ä»¥äžã®æçµŠäŒæããã人ã¯1幎ã®ãã¡5æ¥ã¯æçµŠäŒæãæ¶åããªããã°ãªããªãç¹ã確èªããŠãããŸãããã
æçµŠäŒæã1å¹Žã§æ¶æ» ã¯éæ³
æçµŠäŒæã®æå¹ã¯ãåŽååºæºæ³ç¬¬115æ¡ã«ãã£ãŠçºçã®æ¥ãã2幎éãšå®ããããŠããŸããäŒæ¥ãããæçµŠäŒæã®ä»äžãã1幎ãçµéããããæéåãããšäŒããããå Žåã¯éæ³ã§ãã
èšç»å¹ŽäŒã§æçµŠäŒæãå šãŠãªããªãã®ã¯éæ³
èšç»å¹ŽäŒãšã¯åŽäœ¿åå®ãçµã¶ããšã§ãäŒæ¥åŽãåŽåè ã®æçµŠäŒæååŸæ¥ããããããæ±ºããããå¶åºŠã§ããèšç»å¹ŽäŒã¯ã以äžã®ãããªããŸããŸãªæå£ã«æŽ»çšãããŠããŸãã
âå€å£ã幎æ«å¹Žå§ã«æçµŠäŒæãèšç»çã«ä»äžãã倧åé£äŒã«ãã
âèªçæ¥ãçµå©èšå¿µæ¥ãªã©ã®ã¡ã¢ãªã¢ã«äŒæå¶åºŠãèšããŠãã
â鿣æã«æçµŠäŒæã®èšç»ä»äžæ¥ãèšããŠãã
äŒæ¥åŽãèšç»å¹ŽäŒã®å¶åºŠã®å¯Ÿè±¡ã«ã§ããæ¥æ°ã¯ãæçµŠäŒæã®ãã¡5æ¥ãè¶
ããéšåãšãªããŸããäŸãã°ãæçµŠäŒæã10æ¥ã®åŽåè
ã¯5æ¥ãŸã§ã20æ¥ã®åŽåè
ã¯15æ¥ãŸã§ãäŒæ¥ãèšç»çã«äŒæãä»äžã§ãããšããããšã§ãããªããèšç»å¹ŽäŒã®ä»äžæ¹æ³ã¯åŽååºæºæ³ç¬¬39æ¡ç¬¬6é
ã«ãã£ãŠå®ããããŠããŸãã
å³è¡š2
åçåŽåç æ°ããåãæ¹ã»äŒã¿æ¹ãå®è·µããããã«ã幎次æçµŠäŒæãäžæã«æŽ»çšããŸããã
ãã®ããã«äŒæ¥åŽãèšç»å¹ŽäŒã«ãã£ãŠæçµŠäŒæååŸæ¥ã決ããŠãããšããŠããåŽåè
ã¯5æ¥éã®æçµŠäŒæãæ®ããããèšç»å¹ŽäŒã§æçµŠäŒæãå
šãŠãªããªãããšã¯ãããŸããã
ãŸãšã
æçµŠäŒæã¯åŽååºæºæ³ã«ãã£ãŠä»äžã®æ¡ä»¶ãæ¹æ³ãå®ããããŠãããäŒæ¥ãåæ³ãäžåãèŠå®ãèšããŠããå Žåã«ã¯éæ³ãšãªããŸããäŒæ¥ãååãžã®é
æ
®ã倧åã§ãããæçµŠäŒæã®ååŸã¯åŽåè
ã®æš©å©ã§ãã
ååŸãããŠããããªããšãã«ã¯ãå¯èœã§ããã°äŒæ¥åŽãšè©±ãåããããŸãããã話ãåã£ãŠãçè§£ãåŸãããªãå Žåããäžå©çãªæ±ããåããå Žåã«ã¯ãéœéåºçåŽåå±ãåŽååºæºç£ç£çœ²ã®åŽåçžè«ã³ãŒããŒãªã©ãžçžè«ããŸãããã
åºå ž
åçåŽåççæ¬åŽåå± å¹Žæ¬¡æçµŠäŒææŽ»çšã®ã¹ã¹ã¡
åçåŽåç 4.幎次æçµŠäŒæã®èšç»çä»äžã«ã€ããŠãåŽååºæºæ³ç¬¬39æ¡é¢ä¿ã
åçåŽåç 幎次æçµŠäŒæã®ä»äžæ¥æ°ã¯æ³åŸã§æ±ºãŸã£ãŠããŸã
åçåŽåç æ°ããåãæ¹ã»äŒã¿æ¹ãå®è·µããããã«ã幎次æçµŠäŒæãäžæã«æŽ»çšããŸããã
èšååŽåå± å°±åŽäžã®æ¹ãž
å·çè
ïŒFINANCIAL FIELDç·šééš
ãã¡ã€ãã³ã·ã£ã«ãã©ã³ããŒ



