{"id":4212,"date":"2022-10-05T22:25:31","date_gmt":"2022-10-05T13:25:31","guid":{"rendered":"https:\/\/itresearchart.biz\/?p=4212"},"modified":"2022-10-05T22:25:31","modified_gmt":"2022-10-05T13:25:31","slug":"%e3%83%a9%e3%83%b3%e3%82%b5%e3%83%a0%e3%82%a6%e3%82%a8%e3%82%a2%e8%a2%ab%e5%ae%b3%e3%81%ab%e5%af%be%e3%81%99%e3%82%8b%e3%83%ad%e3%82%a4%e3%82%ba%e3%81%ae%e5%bc%95%e5%8f%97%e5%81%9c%e6%ad%a2%e3%82%84","status":"publish","type":"post","link":"https:\/\/itresearchart.biz\/?p=4212","title":{"rendered":"\u30e9\u30f3\u30b5\u30e0\u30a6\u30a8\u30a2\u88ab\u5bb3\u306b\u5bfe\u3059\u308b\u30ed\u30a4\u30ba\u306e\u5f15\u53d7\u505c\u6b62\u3084\u305d\u306e\u4ed6\u306e\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u306e\u56fd\u969b\u7684\u50be\u5411"},"content":{"rendered":"<p>2021\u5e74\u306e\u30b3\u30ed\u30cb\u30a2\u30eb\u30d1\u30a4\u30d7\u30e9\u30a4\u30f3\u4e8b\u4ef6\u5f8c\u306e\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u306e\u72b6\u6cc1\u306b\u3064\u3044\u3066\u3001\u7dcf\u5408\u7684\u306b\u307f\u3066\u3044\u3053\u3046\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u7279\u306b\u3001\u8fd1\u6642\u306e\u8a71\u984c\u3068\u3057\u3066\u306f\u3001<span style=\"font-size: 14px;\">\u30ed\u30a4\u30ba\u304c\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u30dd\u30ea\u30b7\u304b\u3089\u3001\u56fd\u5bb6\u653b\u6483\u3092\u9664\u5916\u3059\u308b\u3068\u5b9a\u3081\u305f\u3068\u3044\u3046\u8a71\u304c\u3042\u308a\u3001\u3053\u308c\u306b\u3064\u3044\u3066\u306f\u3001<\/span><\/p>\n<ul>\n<li><span style=\"font-size: 14px;\">2022\u5e748\u670815\u65e5\u306b<\/span><span style=\"font-size: 14px;\">\u767a\u8868\u3055\u308c\u305f<a href=\"https:\/\/assets.lloyds.com\/media\/35926dc8-c885-497b-aed8-6d2f87c1415d\/Y5381%20Market%20Bulletin%20-%20Cyber-attack%20exclusions.pdf\">\u300c\u5e02\u5834\u9023\u7d61\u300d(Market Bulletin)<\/a><\/span><\/li>\n<li><a href=\"https:\/\/www.ft.com\/content\/e865a3d1-5652-41aa-990a-bb5ad57288c6\">Lloyd\u2019s of London defends cyber insurance exclusion for state-backed attacks<\/a><\/li>\n<li><a href=\"https:\/\/www.corderycompliance.com\/lloyds-cyber-insurance1\/?fbclid=IwAR3VKvkjjepVx9JJRxNFvzSZfXQrEHHlZvnUanerydwIWEk-04thcKxmf2c\">Client Alert: Lloyd\u2019s sets out new requirements to exclude nation state attacks from cyber insurance policies<\/a><\/li>\n<\/ul>\n<p>\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u308c\u3092\u307f\u3066\u3082\u3001\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u306e\u8fd1\u6cc1\u304c\u3001\u304d\u308f\u3081\u3066\u53b3\u3057\u3044\u3088\u3046\u306b\u5909\u5272\u3063\u3066\u304d\u3066\u3044\u308b\u3053\u3068\u304c\u3046\u304b\u304c\u3048\u307e\u3059\u30022021\u5e74\u306e6\u6708\u306b\u306f\u3001<a href=\"https:\/\/itresearchart.biz\/?p=3268\">\u300c\u30a2\u30e1\u30ea\u30ab\u30fb\u30a4\u30f3\u30c7\u30a3\u30a2\u30ca\u5dde\u6700\u9ad8\u88c1\u5224\u6c7a\uff0d\u30e9\u30f3\u30b5\u30e0\u30a6\u30a8\u30a2\u3078\u306e\u652f\u6255\u3044\u3068\u4fdd\u967a\u91d1\u30ab\u30d0\u30fc\u3092\u3081\u3050\u308b\u5224\u6c7a\u3068\u8b70\u8ad6\u300d<\/a>\u3067\u691c\u8a0e\u3057\u307e\u3057\u305f\u3002\u6cd5\u7684\u8ad6\u70b9\u3084\u95a2\u9023\u3059\u308b\u8ad6\u70b9\u306b\u3064\u3044\u3066\u306e\u8a18\u8ff0\u3068\u3057\u3066\u306f\u3001<\/p>\n<ul>\n<li><a href=\"https:\/\/itresearchart.biz\/?p=3023\">\u30d1\u30a4\u30d7\u30e9\u30a4\u30f3\u653b\u6483\u4e8b\u4ef6\u306e\u6cd5\u7684\u8ad6\u70b9 (\u652f\u6255\u3046\u3079\u304d\u304b\u3001\u652f\u6255\u308f\u3056\u308b\u3079\u304d\u304b\u3001\u305d\u308c\u304c\u554f\u984c\u3060) -Colonial Pipeline\u4e8b\u4ef6<\/a><\/li>\n<li><a href=\"https:\/\/itresearchart.biz\/?p=1717\">NotPetya\u306b\u3088\u308b\u640d\u5bb3\u3068\u4fdd\u967a\u306e\u9069\u7528<\/a><\/li>\n<\/ul>\n<p>\u306a\u3069\u3067\u89e6\u308c\u3066\u3044\u307e\u3059\u3002\u30d5\u30e9\u30f3\u30b9\u306e\u4fdd\u967a\u5927\u624b\u30a2\u30af\u30b5\u306f\u3001\u8eab\u4ee3\u91d1\u88dc\u511f\u5951\u7d04\u3092\u505c\u6b62\u3057\u305f\u3068\u5831\u9053\u3055\u308c\u305f\u3053\u3068\u3001\u307e\u305f\u3001\u30c9\u30a4\u30c4\u306b\u304a\u3044\u3066\u306f\u3001\u8eab\u4ee3\u91d1\u88dc\u511f\u304c\u8a31\u3055\u308c\u308b\u3088\u3046\u306b\u306a\u3063\u305f\u3053\u3068\u3001\u8eab\u4ee3\u91d1\u306e\u652f\u6255\u3044\u3092\u30ab\u30d0\u30fc\u3059\u308b\u3053\u3068\u3067\u30d7\u30ec\u30df\u30a2\u30e0\u3092\u3064\u3051\u3066\u89e3\u6c7a\u3059\u308b\u52d5\u304d\u304c\u9032\u3093\u3067\u3044\u308b\u3068\u3044\u3046<a href=\"https:\/\/www.businessinsurance.com\/article\/20210504\/NEWS06\/912341450\/Rates,-terms-tighten-as-ransom-claims-grow-cyber-risks-technology-\">\u5831\u9053\u3082\u3042<\/a>\u308b\u3053\u3068\u3001\u306a\u3069\u306f\u3001<a href=\"https:\/\/itresearchart.biz\/?p=3268\">\u300c\u30a2\u30e1\u30ea\u30ab\u30fb\u30a4\u30f3\u30c7\u30a3\u30a2\u30ca\u5dde\u6700\u9ad8\u88c1\u5224\u6c7a\uff0d\u30e9\u30f3\u30b5\u30e0\u30a6\u30a8\u30a2\u3078\u306e\u652f\u6255\u3044\u3068\u4fdd\u967a\u91d1\u30ab\u30d0\u30fc\u3092\u3081\u3050\u308b\u5224\u6c7a\u3068\u8b70\u8ad6\u300d<\/a>\u3067\u307f\u305f\u3068\u304a\u308a\u3067\u3042\u3063\u305f\u3053\u3068\u306a\u306e\u3067\u3059\u304c\u3001\u305d\u306e\u5f8c\u306e\u9032\u5c55\u3092\u307e\u3068\u3081\u3066\u304a\u304d\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p style=\"font-size: 14px;\">\u8cc7\u6599\u3068\u3057\u3066\u306f\u3001<\/p>\n<ul style=\"font-size: 14px;\">\n<li><a href=\"https:\/\/www.gao.gov\/products\/gao-21-477\">GAO &#8220;Cyber Insurance:Insurers and Policyholders Face Challenges in an Evolving Market&#8221;<\/a><\/li>\n<li style=\"font-size: 14px;\"><a style=\"font-size: 14px;\" href=\"https:\/\/www.genevaassociation.org\/sites\/default\/files\/research-topics-document-type\/pdf_public\/ransomware_web.pdf\">Genova Association &#8220;Ransomware:An insurance market perspective&#8221;<\/a><\/li>\n<li style=\"font-size: 14px;\"><a style=\"font-size: 14px;\" href=\"https:\/\/www.munichre.com\/topics-online\/en\/digitalisation\/cyber\/cyber-insurance-risks-and-trends-2022.html\">Munich Re\u00a0 &#8220;Cyber insurance: Risks and trends 2022&#8221;<\/a><\/li>\n<li style=\"font-size: 14px;\"><a style=\"font-size: 14px;\" href=\"https:\/\/insurancenewsnet.com\/oarticle\/kidnap-and-ransom-insurance-market-is-booming-worldwide-lockton-companies-chubb-mercer-26\">&#8220;Kidnap and Ransom Insurance Market Is Booming Worldwide : Lockton Companies, Chubb, Mercer&#8221;<\/a><\/li>\n<li style=\"font-size: 14px;\"><a style=\"font-size: 14px;\" href=\"https:\/\/securityintelligence.com\/articles\/how-ransomware-trends-change-cyber-insurance\/\">How Ransomware Trends Are Changing Cyber Insurance<\/a><\/li>\n<\/ul>\n<p style=\"font-size: 14px;\">\u306a\u3069\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p style=\"font-size: 14px;\"><span style=\"font-size: 21px; font-weight: 600;\">\u2160<\/span><span style=\"font-size: 21px; font-weight: 600;\">\u30ed\u30a4\u30ba\u304c\u3001\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u30dd\u30ea\u30b7\u304b\u3089\u3001\u56fd\u5bb6\u653b\u6483\u3092\u9664\u5916<\/span><\/p>\n<p style=\"font-size: 14px;\"><span style=\"font-size: 14px;\">\u30ed\u30a4\u30ba\u304c\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u30dd\u30ea\u30b7\u304b\u3089\u3001\u56fd\u5bb6\u653b\u6483\u3092\u9664\u5916\u3059\u308b\u3068\u5b9a\u3081\u305f\u3068\u3044\u3046\u8a71\u304c\u6ce8\u76ee\u3059\u3079\u304d\u3082\u306e\u3068\u3044\u3048\u308b\u3067\u3057\u3087\u3046\u3002<\/span><\/p>\n<p style=\"font-size: 14px;\"><span style=\"font-size: 14px;\">2022\u5e748\u670815\u65e5\u306b\u306b<\/span><span style=\"font-size: 14px;\">\u767a\u8868\u3055\u308c\u305f<a href=\"https:\/\/assets.lloyds.com\/media\/35926dc8-c885-497b-aed8-6d2f87c1415d\/Y5381%20Market%20Bulletin%20-%20Cyber-attack%20exclusions.pdf\">\u300c\u5e02\u5834\u9023\u7d61\u300d(Market Bulletin)<\/a>\u3067\u306f\u3001<\/span>\u4fdd\u967a\u5e02\u5834\u306b\u304a\u3051\u308b\u30b7\u30b9\u30c6\u30df\u30c3\u30af\u30fb\u30ea\u30b9\u30af\u3092\u5236\u9650\u3059\u308b\u305f\u3081\u306b\u3001<span style=\"font-size: 14px;\">\u4fdd\u967a\u5e02\u5834\u3067\u5951\u7d04\u3055\u308c\u308b\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u306b\u56fd\u5bb6\u304c\u652f\u63f4\u3059\u308b\u653b\u6483\u306b\u5bfe\u3059\u308b\u514d\u8cac\u6761\u9805\u3092\u8a2d\u3051\u308b\u3068\u3044\u3046\u8981\u4ef6\u304c\u3001<\/span><span style=\"font-size: 14px;\">2023\u5e743\u6708\u672b\u304b\u3089\u5358\u4f53\u306e\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u306b\u9069\u7528\u3055\u308c\u308b\u3053\u3068\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3092\u8a73\u3057\u304f\u898b\u3066\u3044\u304f\u3068<\/span><\/p>\n<blockquote><p>\u30ed\u30a4\u30ba\u306f\u30b5\u30a4\u30d0\u30fc\u653b\u6483\u30ab\u30d0\u30fc\u306e\u4f5c\u6210\u3092\u5f37\u304f\u652f\u6301\u3057\u3066\u3044\u308b\u304c\u3001\u30b5\u30a4\u30d0\u30fc\u95a2\u9023\u30d3\u30b8\u30cd\u30b9\u304c\u9032\u5316\u3057\u7d9a\u3051\u308b\u30ea\u30b9\u30af\u3067\u3042\u308b\u3053\u3068\u3082\u8a8d\u8b58\u3057\u3066\u3044\u308b\u3002\u9069\u5207\u306b\u7ba1\u7406\u3055\u308c\u306a\u3044\u5834\u5408\u3001\u30b7\u30f3\u30b8\u30b1\u30fc\u30c8\u304c\u7ba1\u7406\u3059\u308b\u306e\u306b\u82e6\u52b4\u3059\u308b\u3088\u3046\u306a\u30b7\u30b9\u30c6\u30df\u30c3\u30af\u30ea\u30b9\u30af\u306b\u5e02\u5834\u3092\u3055\u3089\u3059\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u7279\u306b\u3001\u6575\u5bfe\u7684\u306a\u884c\u70ba\u8005\u304c\u653b\u6483\u3092\u5bb9\u6613\u306b\u5e83\u3081\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3053\u3068\u3001\u6709\u5bb3\u306a\u30b3\u30fc\u30c9\u304c\u62e1\u6563\u3059\u308b\u3053\u3068\u3001\u793e\u4f1a\u304c\u7269\u7406\u7684\u306a\u8cc7\u7523\u3092\u904b\u7528\u3059\u308b\u3053\u3068\u3082\u542b\u3081\u3066IT\u30a4\u30f3\u30d5\u30e9\u306b\u91cd\u5927\u306a\u4f9d\u5b58\u3092\u3057\u3066\u3044\u308b\u3053\u3068\u306f\u3001\u4fdd\u967a\u5e02\u5834\u304c\u5438\u53ce\u3067\u304d\u308b\u640d\u5931\u3092\u5927\u304d\u304f\u4e0a\u56de\u308b\u53ef\u80fd\u6027\u3092\u6301\u3063\u3066\u3044\u308b\u3053\u3068\u3092\u610f\u5473\u3057\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u305f\u3081\u3001\u79c1\u305f\u3061\u306f\u4e00\u8cab\u3057\u3066\u3001\u30a2\u30f3\u30c0\u30fc\u30e9\u30a4\u30bf\u30fc\u304c\u63d0\u4f9b\u3059\u308b\u30ab\u30d0\u30fc\u306b\u3064\u3044\u3066\u660e\u78ba\u306a\u8868\u73fe\u304c\u5fc5\u8981\u3067\u3042\u308b\u3053\u3068\u3092\u5f37\u8abf\u3057\u3066\u304d\u307e\u3057\u305f\u30022020\u5e74\u4ee5\u964d\u3001\u6bb5\u968e\u7684\u306b\u3001\u3059\u3079\u3066\u306e\u4fdd\u967a\u306b\u3001\u30b5\u30a4\u30d0\u30fc\u30ab\u30d0\u30fc\u304c\u80af\u5b9a\u7684\u306a\u30ab\u30d0\u30fc\u3092\u542b\u3080\u304b\u3001\u9664\u5916\u3059\u308b\u304b\u306e\u3044\u305a\u308c\u304b\u3092\u660e\u8a18\u3059\u308b\u3088\u3046\u6c42\u3081\u307e\u3057\u305f\uff08Market Bulletin Y5258\u3092\u53c2\u7167\uff09\u3002Prudential Regulation Authority\u3082\u540c\u69d8\u306b\u3001Cyber insurance underwriting risk (July 2017); Supervisory Statement 4\uff0f17\u3067\u30b5\u30a4\u30d0\u30fc\u30d3\u30b8\u30cd\u30b9\u306b\u95a2\u3059\u308b\u671f\u5f85\u3092\u793a\u3057\u3066\u3044\u307e\u3059\u3002<\/p><\/blockquote>\n<p>\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p style=\"font-size: 14px;\">\u6226\u4e89\u30ea\u30b9\u30af\u306b\u3064\u3044\u3066\u306e\u8a18\u8f09\u304c\u306a\u3055\u308c\u3066\u3044\u308b\u306e\u306f\u3001\u524d\u63d0\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u305d\u308c\u306b\u52a0\u3048\u3066<\/p>\n<blockquote><p>\u3057\u304b\u3057\u3001\u56fd\u5bb6\u7684\u884c\u70ba\u8005\u304c\u95a2\u4e0e\u3059\u308b\u30b5\u30a4\u30d0\u30fc\u653b\u6483\u30ea\u30b9\u30af\u306b\u306f\u3001\u691c\u8a0e\u3092\u8981\u3059\u308b\u8ffd\u52a0\u7684\u306a\u7279\u5fb4\u304c\u3042\u308b\u3002\u7279\u306b\u3001\u30b5\u30a4\u30d0\u30fc\u653b\u6483\u30ea\u30b9\u30af\u3092\u66f8\u304f\u5834\u5408\u3001\u30a2\u30f3\u30c0\u30fc\u30e9\u30a4\u30bf\u30fc\u306f\u56fd\u5bb6\u304c\u652f\u63f4\u3059\u308b\u653b\u6483\u304c\u7269\u7406\u7684\u306a\u6b66\u529b\u3092\u4f34\u3046\u6226\u4e89\u4ee5\u5916\u3067\u767a\u751f\u3059\u308b\u53ef\u80fd\u6027\u3092\u8003\u616e\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b\u3002\u3053\u306e\u3088\u3046\u306a\u653b\u6483\u304c\u5f15\u304d\u8d77\u3053\u3059\u640d\u5bb3\u3068\u305d\u306e\u62e1\u6563\u80fd\u529b\u306f\u3001\u4fdd\u967a\u4f1a\u793e\u306b\u3068\u3063\u3066\u540c\u69d8\u306e\u30b7\u30b9\u30c6\u30df\u30c3\u30af\u30fb\u30ea\u30b9\u30af\u3092\u751f\u307f\u51fa\u3059\u3002<\/p>\n<p>\u6211\u3005\u306f\u3001\u5e02\u5834\u306e\u591a\u304f\u306e\u7ba1\u7406\u4ee3\u7406\u5e97\u304c\u3001\u6226\u4e89\u3068\u6226\u4e89\u4ee5\u5916\u306e\u56fd\u5bb6\u7684\u306a\u30b5\u30a4\u30d0\u30fc\u653b\u6483\u306e\u4e21\u65b9\u304b\u3089\u751f\u3058\u308b\u30b5\u30a4\u30d0\u30fc\u653b\u6483\u306e\u88ab\u5bb3\u3092\u9664\u5916\u3059\u308b\u305f\u3081\u306b\u7279\u5225\u306b\u8abf\u6574\u3057\u305f\u6761\u9805\u3092\u3059\u3067\u306b\u4fdd\u967a\u5951\u7d04\u306b\u76db\u308a\u8fbc\u3093\u3067\u3044\u308b\u3053\u3068\u3092\u8a8d\u8b58\u3057\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u79c1\u305f\u3061\u306f\u3001\u3053\u306e\u30af\u30e9\u30b9\u3067\u5951\u7d04\u3059\u308b\u3059\u3079\u3066\u306e\u30b7\u30f3\u30b8\u30b1\u30fc\u30c8\u304c\u3001\u9069\u5207\u306a\u6c34\u6e96\u3067\u3001\u5805\u7262\u306a\u6587\u8a00\u3067\u305d\u3046\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u6211\u3005\u306f\u3001\u6226\u4e89\u3084\u975e\u6226\u4e89\u3001\u56fd\u5bb6\u306b\u3088\u308b\u653b\u6483\u3068\u3044\u3046\u6587\u8108\u3067\u30b5\u30a4\u30d0\u30fc\u653b\u6483\u30a8\u30af\u30b9\u30dd\u30fc\u30b8\u30e3\u30fc\u304b\u3089\u751f\u3058\u5f97\u308b\u8907\u96d1\u3055\u306f\u3001\u30a2\u30f3\u30c0\u30fc\u30e9\u30a4\u30bf\u30fc\u304c\u305d\u306e\u6587\u8a00\u304c\u5341\u5206\u306b\u5f37\u56fa\u3067\u3042\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3059\u308b\u305f\u3081\u306b\u6cd5\u7684\u306b\u898b\u76f4\u3059\u3079\u304d\u3053\u3068\u3092\u610f\u5473\u3059\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/p><\/blockquote>\n<p>\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p><span style=\"font-size: 14px;\">\u300c\u30b9\u30bf\u30f3\u30c9\u30a2\u30ed\u30fc\u30f3(\u72ec\u7acb\u578b)\u3067\u306e<\/span>\u30b5\u30a4\u30d0\u30fc\u653b\u6483\u30dd\u30ea\u30b7\u306b\u304a\u3051\u308b\u6392\u9664\u306e\u8981\u4ef6\u300d\u306b\u304a\u3044\u3066\u306f\u3001\u660e\u78ba\u306a\u7528\u8a9e\u304c\u5fc5\u8981\u3067\u3042\u308b\u3068\u3057\u3066\u3001<\/p>\n<blockquote><p>\u3057\u305f\u304c\u3063\u3066\u3001\u30ea\u30b9\u30af\u30b3\u30fc\u30c9CY\u304a\u3088\u3073CZ\u306b\u8a72\u5f53\u3059\u308b\u3059\u3079\u3066\u306e\u72ec\u7acb\u578b\u30b5\u30a4\u30d0\u30fc\u653b\u6483\u4fdd\u967a\u306f\u3001\u30ed\u30a4\u30ba\u304c\u540c\u610f\u3057\u306a\u3044\u9650\u308a\u3001\u4ee5\u4e0b\u306b\u793a\u3059\u8981\u4ef6\u306b\u5f93\u3063\u3066\u3001\u56fd\u5bb6\u304c\u652f\u63f4\u3059\u308b\u30b5\u30a4\u30d0\u30fc\u653b\u6483\u304b\u3089\u751f\u3058\u308b\u640d\u5bb3\u306b\u5bfe\u3059\u308b\u8cac\u4efb\u3092\u9664\u5916\u3059\u308b\u9069\u5207\u306a\u6761\u9805\u3092\u542b\u3081\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3053\u3068\u3092\u8981\u6c42\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u6761\u9805\u306f\u3001\u6226\u4e89\u306b\u95a2\u3059\u308b\u514d\u8cac\u6761\u9805\uff08\u540c\u3058\u6761\u9805\u306e\u4e00\u90e8\u3092\u69cb\u6210\u3059\u308b\u3053\u3068\u3082\u3001\u5225\u306e\u6761\u9805\u3068\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u308b\uff09\u306b\u8ffd\u52a0\u3059\u308b\u3082\u306e\u3067\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002\u6700\u4f4e\u9650\u3001\u56fd\u5bb6\u306b\u3088\u308b\u30b5\u30a4\u30d0\u30fc\u653b\u6483\u306e\u9664\u5916\u306f\u4ee5\u4e0b\u306e\u901a\u308a\u3067\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002<\/p>\n<p style=\"padding-left: 40px;\">1. \u672c\u4fdd\u967a\u306b\u500b\u5225\u306e\u6226\u4e89\u514d\u8cac\u6761\u9805\u304c\u306a\u3044\u5834\u5408\u3001\u6226\u4e89\u304b\u3089\u751f\u3058\u308b\u640d\u5931\u3092\u9664\u5916\u3059\u308b\uff08\u5ba3\u6226\u5e03\u544a\u3055\u308c \u305f\u304b\u5426\u304b\u3092\u554f\u308f\u306a\u3044\uff09\u3002<\/p>\n<p style=\"padding-left: 40px;\">2 (a) \u56fd\u5bb6\u306e\u6a5f\u80fd\u3092\u8457\u3057\u304f\u640d\u306a\u3046\u3001\u307e\u305f\u306f (b) \u56fd\u5bb6\u306e\u5b89\u5168\u4fdd\u969c\u80fd\u529b\u3092\u8457\u3057\u304f\u640d\u306a\u3046\u3001\u56fd\u5bb6\u304c\u652f\u63f4\u3059\u308b\u30b5\u30a4 \u30d0\u30fc\u653b\u6483\u304b\u3089\u751f\u3058\u308b\u640d\u5931\u3092\u9664\u5916\u3059\u308b\uff083 \u3092\u6761\u4ef6\u3068\u3059\u308b\uff09\u3002<\/p>\n<p style=\"padding-left: 40px;\">3 \u56fd\u5bb6\u304c\u652f\u63f4\u3059\u308b\u30b5\u30a4\u30d0\u30fc\u653b\u6483\u306b\u3088\u308a\u3001\u4e0a\u8a18 2(a)\u3001(b)\u306e\u3088\u3046\u306a\u5f71\u97ff\u3092\u53d7\u3051\u308b\u56fd\u5bb6\u306e\u5916\u306b\u3042\u308b\u30b3\u30f3\u30d4\u30e5 \u30fc\u30bf\u30b7\u30b9\u30c6\u30e0\u3092\u88dc\u511f\u306e\u5bfe\u8c61\u304b\u3089\u5916\u3059\u304b\u3069\u3046\u304b\u3092\u660e\u78ba\u306b\u3059\u308b\u3053\u3068\u3002<\/p>\n<p style=\"padding-left: 40px;\">4. \u56fd\u5bb6\u306b\u3088\u308b\u30b5\u30a4\u30d0\u30fc\u653b\u6483\u3092\u3069\u306e\u3088\u3046\u306b1\u3064\u307e\u305f\u306f\u8907\u6570\u306e\u56fd\u5bb6\u306b\u5e30\u5c5e\u3055\u305b\u308b\u304b\u306b\u3064\u3044\u3066\u3001\u5f53\u4e8b\u8005 \u304c\u5408\u610f\u3059\u308b\u305f\u3081\u306e\u78ba\u56fa\u305f\u308b\u6839\u62e0\u3092\u793a\u3059\u3002<\/p>\n<p style=\"padding-left: 40px;\">5. \u3059\u3079\u3066\u306e\u91cd\u8981\u306a\u7528\u8a9e\u304c\u660e\u78ba\u306b\u5b9a\u7fa9\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3059\u308b\u3002<\/p>\n<p>\u3055\u3089\u306b\u3001\u9069\u5207\u306a\u9664\u5916\u6761\u9805\u3092\u4f5c\u6210\u3059\u308b\u969b\u306b\u8d77\u3053\u308a\u3046\u308b\u8907\u96d1\u3055\u3092\u8003\u616e\u3059\u308b\u3068\u3001\u5e79\u4e8b\u4f1a\u793e\u306f\u3001\u3053\u308c\u3089\u306e\u9664\u5916\u6761\u9805\u304c\u5f15\u53d7\u4eba\u306e\u5229\u76ca\u3092\u8003\u616e\u3057\u3066\u6cd5\u7684\u306b\u691c\u8a0e\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u3092\u793a\u3059\u3053\u3068\u304c\u3067\u304d\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>2023\u5e74\u5ea6\u306e\u30a2\u30ab\u30a6\u30f3\u30c8\u30d3\u30b8\u30cd\u30b9\u30d7\u30e9\u30f3\u30cb\u30f3\u30b0\u30d7\u30ed\u30bb\u30b9\u3067\u306f\u3001\u30b9\u30bf\u30f3\u30c9\u30a2\u30ed\u30fc\u30f3\u306e\u30b5\u30a4\u30d0\u30fc\u653b\u6483\u4fdd\u967a\u3067\u4f7f\u7528\u3059\u308b\u305f\u3081\u306b\u5408\u610f\u3059\u308b\u6761\u9805\u306b\u3064\u3044\u3066\u3001\u5e79\u4e8b\u4ee3\u7406\u5e97\u3068\u5354\u8b70\u3059\u308b\u4e88\u5b9a\u3067\u3059\u3002\u5e79\u4e8b\u4ee3\u7406\u5e97\u306f\u3001\u63a1\u7528\u3059\u308b\u7d04\u6b3e\u304c\u4e0a\u8a18\u306e\u8981\u4ef6\u3092\u6e80\u305f\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u8a3c\u660e\u3059\u308b\u3053\u3068\u304c\u671f\u5f85\u3055\u308c\u307e\u3059\u3002\u5e79\u4e8b\u4f1a\u793e\u304c\u3053\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u306b\u793a\u3055\u308c\u305f\u8981\u4ef6\u304b\u3089\u5916\u308c\u308b\u3053\u3068\u3092\u671b\u3080\u5834\u5408\u306f\u3001\u305d\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u306b\u3064\u3044\u3066\u3057\u3063\u304b\u308a\u3068\u3057\u305f\u8aac\u660e\u3092\u884c\u3044\u3001\u30ed\u30a4\u30c9\u304b\u3089\u5408\u610f\u3092\u5f97\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p><\/blockquote>\n<p>\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u8981\u4ef6\u306b\u5f93\u3063\u305f\u30e2\u30c7\u30eb\u4e0a\u53e4\u304c\u3001LMA(\u30ed\u30a4\u30ba\u30fb\u30de\u30fc\u30b1\u30c3\u30c8\u5354\u4f1a)\u304b\u3089<a href=\"https:\/\/www.lmalloyds.com\/LMA\/News\/LMA_bulletins\/LMA_Bulletins\/LMA21-042-PD.aspx\">\u516c\u8868\u3055\u308c\u3066\u3044\u307e\u3059<\/a>\u3002 \u3053\u306e\u4e0a\u306e\u8981\u4ef6\u306f\u30012023\u5e743\u670831\u65e5\u304b\u3089\u5b9f\u65bd\u3055\u308c\u308b\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<h5>\u00a0\u56fd\u5bb6\u652f\u63f4\u653b\u6483\u9664\u5916\u306e\u5f71\u97ff\u306b\u3064\u3044\u3066<\/h5>\n<p>\u3053\u306e\u30cb\u30e5\u30fc\u30b9\u306b\u5bfe\u3057\u3066\u306f\u3001\u56fd\u5bb6\u652f\u63f4\u578b\u306e\u30b5\u30a4\u30d0\u30fc\u653b\u6483\u3067\u3042\u308b\u304b\u3001\u3068\u3044\u3046\u306e\u3092\u5224\u65ad\u3059\u308b\u306e\u304c\u304d\u308f\u3081\u3066\u56f0\u96e3\u3067\u3042\u308d\u3046\u3068\u3044\u3046\u8a55\u4fa1\u304c\u306a\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p style=\"font-size: 14px;\"><span style=\"font-size: 14px;\">F<\/span><span style=\"font-size: 14px;\">T\u306e\u300c\u30ed\u30a4\u30ba\u30fb\u30aa\u30d6\u30fb\u30ed\u30f3\u30c9\u30f3\u304c\u3001\u56fd\u5bb6\u80cc\u666f\u306e\u653b\u6483\u304b\u3089\u3001\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u3092\u9632\u8b77\u3059\u308b\u300d(<\/span><a style=\"font-size: 14px;\" href=\"https:\/\/www.ft.com\/content\/e865a3d1-5652-41aa-990a-bb5ad57288c6\">Lloyd\u2019s of London defends cyber insurance exclusion for state-backed attacks)\u3068\u3044\u3046\u8a18\u4e8b\u3067\u306f\u3001<\/a><\/p>\n<blockquote><p>\u6cd5\u5f8b\u4e8b\u52d9\u6240Cohen Ziffer Frenchman &amp; McKenna\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u3067\u3042\u308bCindy Jordano\u306f\u3001\u653b\u6483\u304c\u56fd\u5bb6\u306e\u5f8c\u308d\u76fe\u306b\u3088\u308b\u3082\u306e\u304b\u3069\u3046\u304b\u3092\u5224\u65ad\u3059\u308b\u306e\u304c\u96e3\u3057\u3044\u3053\u3068\u304b\u3089\u3001\u3053\u306e\u52d5\u304d\u306b\u3088\u3063\u3066\u300c\u4ed6\u306e\u65b9\u6cd5\u3067\u306f\u88dc\u511f\u306e\u5bfe\u8c61\u3068\u306a\u308b\u7279\u5b9a\u306e\u30b5\u30a4\u30d0\u30fc\u653b\u6483\u306b\u88dc\u511f\u304c\u4e0e\u3048\u3089\u308c\u308b\u304b\u3069\u3046\u304b\u306b\u3064\u3044\u3066\u66d6\u6627\u3055\u304c\u751f\u3058\u308b\u300d\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u300c\u3053\u308c\u3089\u306e\u514d\u8cac\u6761\u9805\u3092\u3081\u3050\u3063\u3066\u91cd\u5927\u306a\u8a34\u8a1f\u304c\u8d77\u3053\u308b\u300d\u53ef\u80fd\u6027\u3082\u3042\u308b\u3068\u4e88\u6e2c\u3057\u3066\u3044\u307e\u3059\u3002<\/p><\/blockquote>\n<p>\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001Cordery\u306e<a style=\"font-size: 14px;\" href=\"https:\/\/www.corderycompliance.com\/lloyds-cyber-insurance1\/?fbclid=IwAR3VKvkjjepVx9JJRxNFvzSZfXQrEHHlZvnUanerydwIWEk-04thcKxmf2c\">Client Alert: Lloyd\u2019s sets out new requirements to exclude nation state attacks from cyber insurance policies\u3067\u306f\u3001<\/a><\/p>\n<ul>\n<li>\u6226\u4e89\u9664\u5916\u6761\u9805\u306f\u3001\u4f1d\u7d71\u7684\u306a\u3082\u306e\u3067\u3042\u308b\u3053\u3068<\/li>\n<li>\u30ed\u30b7\u30a2\u306e\u30a6\u30af\u30e9\u30a4\u30ca\u4fb5\u7565\u306b\u3088\u308b\u554f\u984c\u304c\u767a\u751f\u3057\u3066\u3044\u308b\u3053\u3068<\/li>\n<li>\u4e0a\u306b\u4f34\u3063\u3066\u3001\u4fdd\u967a\u696d\u754c\u306f\u3001\u7528\u8a9e\u3092\u3055\u3089\u306b\u53b3\u683c\u306b\u3057\u3066\u3044\u308b\u3053\u3068<\/li>\n<li>\u30ed\u30a4\u30ba\u306e\u30a2\u30ca\u30a6\u30f3\u30b9\u306f\u3001\u3053\u306e\u6d41\u308c\u306b\u5f93\u3063\u3066\u3044\u308b\u3053\u3068<\/li>\n<li>\u73fe\u5728\u3001\u30d7\u30ec\u30df\u30a2\u30e0\u304c\u3001\u4e0a\u6607\u4e2d\u3067\u3042\u308b\u3053\u3068<\/li>\n<li>\u5b9f\u969b\u306e\u554f\u984c\u306f\u3069\u306e\u3088\u3046\u306b\u3057\u3066\u3001\u56fd\u5bb6\u652f\u63f4\u3067\u3042\u308b\u3053\u3068\u3092\u3059\u308b\u304b\u3001\u3068\u3044\u3046\u3053\u3068\u3067\u3042\u308b\u3053\u3068<\/li>\n<li>\u5236\u88c1\u5bfe\u8c61\u306e\u500b\u4eba\u3082\u3057\u304f\u306f\u56e3\u4f53\u3078\u306e\u652f\u6255\u306f\u3001\u56fd\u5bb6\u652f\u63f4\u3067\u3042\u308b\u3053\u3068\u306e\u8a3c\u62e0\u3068\u306a\u308a\u3046\u308b\u3053\u3068<\/li>\n<li>\u4f01\u696d\u306e\u5e83\u5831\u62c5\u5f53\u304c\u3001\u300c\u72e1\u733e\u306a(sophisticated)\u56fd\u5bb6\u652f\u63f4\u306e\u30bc\u30ed\u30c7\u30a4\u653b\u6483\u300d\u3067\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u306f\u3001\u4fdd\u967a\u3092\u62d2\u7d76\u3059\u308b\u7406\u7531\u3068\u306a\u308a\u3046\u308b\u3053\u3068<\/li>\n<li>\u4fdd\u967a\u91d1\u306e\u652f\u6255\u306e\u9045\u308c\u3046\u308b\u539f\u56e0\u3068\u306a\u308a\u3046\u308b\u3053\u3068<\/li>\n<\/ul>\n<p>\u306e\u5206\u6790\u3092\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u4e0a\u3067\u3001<\/p>\n<ul>\n<li>\u30c8\u30ec\u30fc\u30cb\u30f3\u30b0<\/li>\n<li>\u30ea\u30b9\u30af\u306e\u4e0a\u6607\u306e\u8a8d\u8b58\u3092\u3059\u308b\u3053\u3068<\/li>\n<li>\u30ea\u30cf\u30fc\u30b5\u30eb\u3092\u3059\u308b\u3053\u3068<\/li>\n<li>\u5951\u7d04\u3092\u8a73\u7d30\u306b\u691c\u8a0e\u3059\u308b\u3053\u3068<\/li>\n<li>\u652f\u6255\u3046\u304b\u3069\u3046\u304b\u3082\u542b\u3081\u3066\u4e8b\u524d\u306b\u691c\u8a0e\u3057\u3066\u304a\u304f\u3053\u3068<\/li>\n<\/ul>\n<p>\u304c\u63a8\u5968\u4e8b\u9805\u3068\u3057\u3066\u89e6\u308c\u3089\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<h1>\u2161 GAO &#8220;Cyber Insurance:Insurers and Policyholders Face Challenges in an Evolving Market&#8221;<\/h1>\n<p>\u3053\u308c\u306f\u3001GAO\u304b\u30892021\u5e745\u6708\u306b\u516c\u8868\u3055\u308c\u305f<a href=\"https:\/\/www.gao.gov\/products\/gao-21-477\">\u300c\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a \u767a\u5c55\u3059\u308b\u30de\u30fc\u30b1\u30c3\u30c8\u3067\u3001\u4fdd\u967a\u4f1a\u793e\u304a\u3088\u3073\u653f\u7b56\u62c5\u5f53\u8005\u306e\u76f4\u9762\u3059\u308b\u8ab2\u984c\u300d(&#8220;Cyber Insurance:Insurers and Policyholders Face Challenges in an Evolving Market&#8221;)<\/a>\u3068\u3044\u3046\u5831\u544a\u66f8\u3067\u3059\u3002\u4e0a\u306e\u30a8\u30f3\u30c8\u30ea\u3067\u793a\u3057\u305f\u306e\u3088\u308a\u30c7\u30fc\u30bf\u3068\u3057\u3066\u306f\u53e4\u3044\u3067\u3059\u304c\u3001\u898b\u3066\u3044\u306a\u304b\u3063\u305f\u306e\u3067\u3001\u3061\u3087\u3063\u3068\u30e1\u30e2\u3057\u307e\u3059\u3002<\/p>\n<h2>\u80cc\u666f<\/h2>\n<p>\u3053\u308c\u306f\u3001\u60aa\u610f\u306e\u3042\u308b\u30b5\u30a4\u30d0\u30fc\u6d3b\u52d5\u306f\u3001\u9023\u90a6\u653f\u5e9c\u3084\u56fd\u5185\u306e\u4f01\u696d\u3001\u91cd\u8981\u30a4\u30f3\u30d5\u30e9\u306b\u5927\u304d\u306a\u30ea\u30b9\u30af\u3092\u3082\u305f\u3089\u3057\u3001\u7c73\u56fd\u3067\u306f\u6bce\u5e74\u4f55\u5341\u5104\u30c9\u30eb\u3082\u306e\u30b3\u30b9\u30c8\u304c\u304b\u304b\u3063\u3066\u3044\u307e\u3059\u3002\u8105\u5a01\u3068\u306a\u308b\u884c\u70ba\u8005\u306e\u653b\u6483\u80fd\u529b\u306f\u307e\u3059\u307e\u3059\u5411\u4e0a\u3057\u3066\u304a\u308a\u3001\u5b89\u5b9a\u3057\u305f\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u5e02\u5834\u306e\u5fc5\u8981\u6027\u304c\u6d6e\u304d\u5f6b\u308a\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>2021\u5e74\u4f1a\u8a08\u5e74\u5ea6\u306e\u56fd\u9632\u6a29\u9650\u6cd5\u306b\u306f\u3001GAO\u304c\u7c73\u56fd\u306e\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u5e02\u5834\u3092\u8abf\u67fb\u3059\u308b\u6761\u9805\u304c\u542b\u307e\u308c\u3066\u3044\u307e\u3059\u3002\u672c\u5831\u544a\u66f8\u3067\u306f\u3001\uff081\uff09\u73fe\u5728\u306e\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u5e02\u5834\u306e\u4e3b\u8981\u306a\u52d5\u5411\u3001\uff082\uff09\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u5e02\u5834\u304c\u76f4\u9762\u3059\u308b\u7279\u5b9a\u3055\u308c\u305f\u8ab2\u984c\u3068\u305d\u308c\u306b\u5bfe\u51e6\u3059\u308b\u305f\u3081\u306e\u9078\u629e\u80a2\u306b\u3064\u3044\u3066\u8aac\u660e\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u4f5c\u696d\u3092\u884c\u3046\u305f\u3081\u3001GAO\u306f\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u5951\u7d04\u306b\u95a2\u3059\u308b\u696d\u754c\u30c7\u30fc\u30bf\u3092\u5206\u6790\u3057\u3001\u7814\u7a76\u8005\u3001\u30b7\u30f3\u30af\u30bf\u30f3\u30af\u3001\u4fdd\u967a\u696d\u754c\u306e\u30b5\u30a4\u30d0\u30fc\u30ea\u30b9\u30af\u3068\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u306b\u95a2\u3059\u308b\u5831\u544a\u66f8\u3092\u691c\u8a0e\u3057\u3001\u8ca1\u52d9\u7701\u306e\u62c5\u5f53\u8005\u306b\u30a4\u30f3\u30bf\u30d3\u30e5\u30fc\u3092\u884c\u3044\u307e\u3057\u305f\u3002\u307e\u305f\u3001\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u4f1a\u793e\u3092\u4ee3\u8868\u3059\u308b2\u3064\u306e\u696d\u754c\u56e3\u4f53\u3001\u4fdd\u967a\u4f1a\u793e\u306b\u5951\u7d04\u8a00\u8a9e\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u56e3\u4f53\u3001\u304a\u3088\u3073\u5927\u624b\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u4f1a\u793e1\u793e\u306b\u3082\u805e\u304d\u53d6\u308a\u8abf\u67fb\u3092\u5b9f\u65bd\u3057\u307e\u3057\u305f\u3002<\/p>\n<h2>GAO\u306e\u8abf\u67fb\u7d50\u679c<\/h2>\n<h2>1 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Genova Association\u30fbRansomware:An insurance market perspective<\/h1>\n<h2>1 \u80cc\u666f\u30fb\u69cb\u6210<\/h2>\n<p>\u30b8\u30e5\u30cd\u30fc\u30d6\u5354\u4f1a(Genova Association)\u306f\u30011973\u5e74\u306b\u8a2d\u7acb\u3055\u308c\u305f\u4e16\u754c\u552f\u4e00\u306e\u4fdd\u967a\u4f1a\u793e\u306e\u56e3\u4f53\u3067\u3001\u4fdd\u967a\u30fb\u518d\u4fdd\u967a\u4f1a\u793e\u306e\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005\uff08CEO\uff09\u3092\u4f1a\u54e1\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u5f53\u5354\u4f1a\u306e\u4f7f\u547d\u306f\u3001\u4f1a\u54e1\u3001\u5b66\u8853\u6a5f\u95a2\u3001\u591a\u56fd\u9593\u7d44\u7e54\u3068\u5354\u529b\u3057\u3066\u5b9f\u65bd\u3057\u305f\u53b3\u683c\u306a\u8abf\u67fb\u306b\u57fa\u3065\u3044\u3066\u3001\u5c06\u6765\u306e\u4fdd\u967a\u696d\u754c\u3092\u5f62\u6210\u307e\u305f\u306f\u5f71\u97ff\u3059\u308b\u3068\u601d\u308f\u308c\u308b\u4e3b\u8981\u306a\u30c8\u30ec\u30f3\u30c9\u3092\u7279\u5b9a\u30fb\u8abf\u67fb\u3057\u3001\u696d\u754c\u306b\u3068\u3063\u3066\u4f55\u304c\u554f\u984c\u3067\u3042\u308b\u304b\u3092\u660e\u3089\u304b\u306b\u3057\u3001\u696d\u754c\u304a\u3088\u3073\u653f\u7b56\u7acb\u6848\u8005\u306b\u5411\u3051\u305f\u63d0\u8a00\u3092\u4f5c\u6210\u3057\u3001\u4f1a\u54e1\u3084\u305d\u306e\u4ed6\u306e\u95a2\u4fc2\u8005\u304c\u3053\u308c\u3089\u306e\u30c8\u30ec\u30f3\u30c9\u3084\u63d0\u8a00\u306b\u3064\u3044\u3066\u8a71\u3057\u5408\u3046\u5834\u3092\u63d0\u4f9b\u3057\u3001\u4e16\u754c\u306e\u30aa\u30d4\u30cb\u30aa\u30f3\u30ea\u30fc\u30c0\u30fc\u3084\u6709\u529b\u7d44\u7e54\u306b\u50cd\u304d\u304b\u3051\u3001\u30ea\u30b9\u30af\u306e\u7406\u89e3\u3092\u6df1\u3081\u3001\u5f37\u976d\u3067\u8c4a\u304b\u306a\u7d4c\u6e08\u30fb\u793e\u4f1a\u306e\u69cb\u7bc9\u3001\u3072\u3044\u3066\u306f\u3088\u308a\u6301\u7d9a\u53ef\u80fd\u306a\u4e16\u754c\u306e\u69cb\u7bc9\u306b\u5411\u3051\u305f\u4fdd\u967a\u306e\u30d7\u30e9\u30b9\u306e\u8ca2\u732e\u304c\u91cd\u8981\u3067\u3042\u308b\u3068\u8a34\u3048\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u3053\u306e\u5831\u544a\u66f8\u306f\u30011 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Best\u306b\u3088\u308b\u3068\u3001\u7c73\u56fd\u306e\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u306e\u640d\u5bb3\u7387\u306f\u5168\u4f53\u30672019\u5e74\u306e44.6\uff05\u304b\u30892020\u5e74\u306b\u306f66.9\uff05\u306b\u4e0a\u6607\u3057\u3001\u30e9\u30f3\u30b5\u30e0\u30a6\u30a7\u30a2\u304c\u8acb\u6c42\u306e4\u5206\u306e3\u3092\u5360\u3081\u305f\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u30e9\u30f3\u30b5\u30e0\u30a6\u30a7\u30a2\u306e\u8acb\u6c42\u306e\u5927\u90e8\u5206\u306f\u3001\u4e8b\u696d\u306e\u4e2d\u65ad\u3092\u542b\u3080\u653b\u6483\u304b\u3089\u306e\u5fa9\u65e7\u30fb\u4fee\u5fa9\u30b3\u30b9\u30c8\u3092\u53cd\u6620\u3057\u3066\u3044\u308b\u304c\u3001\u8eab\u4ee3\u91d1\u306e\u6255\u3044\u623b\u3057\u306b\u95a2\u9023\u3059\u308b\u30b7\u30a7\u30a2\u304c\u5897\u52a0\u3057\u3066\u3044\u308b\u3053\u3068\u3001<span style=\"font-size: 14px;\">\u652f\u6255\u308f\u308c\u305f\u984d\u306e30\u30d1\u30fc\u30bb\u30f3\u30c8\u524d\u5f8c\u304c\u652f\u6255\u306b\u95a2\u3059\u308b\u984d\u30fb\u8cbb\u7528\u3067\u3042\u308b\u3053\u3068\u3001\u304c\u5831\u544a\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<h2>3 \u8fd1\u6642\u306e\u30e9\u30f3\u30b5\u30e0\u30a6\u30a8\u30a2\u653b\u6483\u306e\u6982\u89b3<\/h2>\n<p><span style=\"font-size: 14px;\">\u6700\u8fd1\u306e\u6307\u6a19\u3067\u306f\u3001\u8eab\u4ee3\u91d1\u8acb\u6c42\u306e\u74b0\u5883\u306b\u306f\u5927\u304d\u306a\u6539\u5584\u306f\u898b\u3089\u308c\u305a\u3001\u8eab\u4ee3\u91d1\u8acb\u6c42\u306f\u4f9d\u7136\u3068\u3057\u3066\u4e3b\u8981\u306a\u8981\u56e0\u3068\u306a\u3063\u3066\u3044\u307e\u3059(3.1)\u3002<\/span><span style=\"font-size: 14px;\">\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u4f1a\u793e\u306e\u640d\u5bb3\u7387\u306f\u3001\u6628\u5e74\u306e\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u4fa1\u683c\u306e\u6025\u9a30\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u30012021\u5e74\u3082\u9ad8\u6c34\u6e96\u3067\u63a8\u79fb\u3057\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p><span style=\"font-size: 14px;\">\u6697\u53f7\u5316\u3001\u4fb5\u5165\u3001\u7834\u58ca\u3001\u3044\u3084\u304c\u3089\u305b\u306a\u3069\u306e\u624b\u6bb5\u3092\u7528\u3044\u3066\u3001\u6050\u559d\u3092\u3059\u308b(3.2)\u3002\u307e\u305f\u3001\u30e9\u30f3\u30b5\u30e0\u30a6\u30a8\u30a2\u306e\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u3082\u9032\u5316\u3092\u3057\u3066\u3044\u307e\u3059(3.3)\u3002\u30e9\u30f3\u30b5\u30e0\u30a6\u30a8\u30a2\u30fb\u30a2\u30ba\u30fb\u30a2\u30fb\u30b5\u30fc\u30d3\u30b9\u30e2\u30c7\u30eb\u306b\u3088\u3063\u3066\u653b\u6483\u8005\u306f\u3001\u51fa\u6765\u5408\u3044\u306e\u30c4\u30fc\u30eb\u3092\u30b5\u30fc\u30d3\u30b9\u3092\u7406\u7531\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u3063\u3066\u3044\u308b\u3002\u307e\u305f\u3001\u5c02\u9580\u5bb6\u306e\u5f79\u5272\u3092\u52e4\u3081\u308b\u300c\u5f93\u696d\u54e1\u300d\u3092\u7dad\u6301\u3057\u3046\u308b\u3088\u3046\u306b\u306a\u3063\u3066\u3044\u308b\u3002\u307e\u305f\u3001\u30e9\u30f3\u30b5\u30e0\u30a6\u30a8\u30a2\u306e\u653b\u6483\u306e\u91cd\u8981\u306a\u5f79\u5272\u304c\u30d5\u30a1\u30b7\u30ea\u30c6\u30fc\u30bf\u30fc\u3068\u3057\u3066\u30d3\u30c3\u30c8\u30b3\u30a4\u30f3\u304c\u3042\u308a\u307e\u3059\u3002<\/span><\/p>\n<h2>4 \u30e9\u30f3\u30b5\u30e0\u30a6\u30a8\u30a2\u306b\u3088\u308b\u793e\u4f1a\u7684\u8ab2\u984c<\/h2>\n<p><span style=\"font-size: 14px;\">\u8eab\u4ee3\u91d1\u3092\u652f\u6255\u3046\u3053\u3068\u3067\u3001\u4f01\u696d\u306f\u30e9\u30f3\u30b5\u30e0\u30a6\u30a7\u30a2\u306e\u72af\u7f6a\u8005\u3092\u523a\u6fc0\u3057\u3001\u305d\u306e\u904e\u7a0b\u3067\u81ea\u793e\u3084\u4ed6\u8005\u306b\u5bfe\u3059\u308b\u5c06\u6765\u306e\u653b\u6483\u306e\u30ea\u30b9\u30af\u3092\u5897\u5e45\u3055\u305b\u308b\u53ef\u80fd\u6027\u3082\u3042\u308b\u3068\u3044\u3046\u610f\u5473\u3067\u3001\u7d4c\u6e08\u7684\u5916\u90e8\u6027\u3092\u6709\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u30e9\u30f3\u30b5\u30e0\u30a6\u30a7\u30a2\u653b\u6483\u306e\u88ab\u5bb3\u8005\u304c\u4fdd\u967a\u306b\u52a0\u5165\u3057\u3066\u3044\u308b\u304b\u3069\u3046\u304b\u306b\u304b\u304b\u308f\u3089\u305a\u5b58\u5728\u3057\u307e\u3059\u304c\u3001\u5916\u90e8\u306e\u30b3\u30e1\u30f3\u30c6\u30fc\u30bf\u30fc\u306e\u4e2d\u306b\u306f\u3001\u4fdd\u967a\u306e\u5b58\u5728\u304c\u3001\u4fdd\u967a\u52a0\u5165\u8005\u3092\u6a19\u7684\u3068\u3057\u305f\u30e9\u30f3\u30b5\u30e0\u30a6\u30a7\u30a2\u653b\u6483\u3092\u52a9\u9577\u3057\u3001\u72b6\u6cc1\u3092\u60aa\u5316\u3055\u305b\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u61f8\u5ff5\u3057\u3066\u3044\u308b\u4eba\u3082\u3044\u307e\u3059<\/span><span style=\"font-size: 14px;\">(4.1)<\/span><span style=\"font-size: 14px;\">\u3002<\/span><\/p>\n<p><span style=\"font-size: 14px;\">\u307e\u305f\u3001\u5404\u56fd\u653f\u5e9c\u306f\u3001\u8981\u6c42\u3055\u308c\u308b\u8eab\u4ee3\u91d1\u304c\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u306e\u4fdd\u967a\u91d1\u984d\u306b\u5408\u308f\u305b\u3066\u8a2d\u5b9a\u3055\u308c\u308b\u3053\u3068\u304c\u591a\u3044\u3053\u3068\u3092\u5f37\u8abf\u3057\u3001\u4fdd\u967a\u304c\u30e9\u30f3\u30b5\u30e0\u30a6\u30a7\u30a2\u306e\u5f37\u596a\u306b\u610f\u56f3\u3057\u306a\u3044\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u53ef\u80fd\u6027\u3092\u793a\u5506\u3057\u3066\u3044\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u8eab\u4ee3\u91d1\u3092\u652f\u6255\u3046\u3053\u3068\u3067\u3001\u3088\u308a\u591a\u304f\u306e\u30e9\u30f3\u30b5\u30e0\u30a6\u30a7\u30a2\u3092\u52a9\u9577\u3057\u3001\u5c06\u6765\u306e\u6050\u559d\u8981\u6c42\u3092\u5897\u5927\u3055\u305b\u308b\u3068\u3044\u3046\u70b9\u3067\u3001\u88ab\u5bb3\u8005\u4f01\u696d\u304c\u4ed6\u8005\u306b\u8ab2\u3059\u30b3\u30b9\u30c8\u3092\u8a8d\u8b58\u3067\u304d\u308b\u3088\u3046\u306b\u3001\u653f\u5e9c\u304c\u8ffd\u52a0\u306e\u6cd5\u5f8b\u3001\u898f\u5236\u3001\u7a0e\u91d1\u3092\u3069\u306e\u7a0b\u5ea6\u4f7f\u7528\u3067\u304d\u308b\u306e\u304b\u3001\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u5b9f\u969b\u306b\u306f\u3001\u7c21\u5358\u306a\u89e3\u6c7a\u7b56\u306f\u306a\u304f\u3001\u610f\u56f3\u3057\u306a\u3044\u7d50\u679c\u3092\u62db\u304f\u53ef\u80fd\u6027\u304c\u3042\u308b\u305f\u3081\u3001\u91cd\u8981\u306a\u30c8\u30ec\u30fc\u30c9\u30aa\u30d5\u3092\u4f34\u3046\u5bfe\u7b56\u304c\u5fc5\u8981\u306b\u306a\u308b\u3053\u3068\u304c\u3088\u304f\u3042\u308a\u307e\u3059\u3002\u4f8b\u3048\u3070\u3001\u8eab\u4ee3\u91d1\u306e\u652f\u6255\u3044\u3092\u5168\u9762\u7684\u306b\u7981\u6b62\u3059\u308b\u3068\u3001\u305d\u306e\u3088\u3046\u306a\u53d6\u5f15\u304c\u5730\u4e0b\u306b\u6f5c\u308b\u3053\u3068\u306b\u306a\u308a\u3001\u30e9\u30f3\u30b5\u30e0\u30a6\u30a7\u30a2\u306e\u653b\u6483\u8005\u304c\u6b21\u306e\u3088\u3046\u306a\u884c\u52d5\u3092\u53d6\u308b\u3088\u3046\u306b\u306a\u308b\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u8981\u6c42\u304c\u6e80\u305f\u3055\u308c\u306a\u3044\u5834\u5408\u3001\u8ca1\u7523\u306e\u7834\u58ca\u3084\u8eab\u4f53\u3078\u306e\u50b7\u5bb3\u3092\u5f15\u304d\u8d77\u3053\u3059\u3068\u3044\u3046\u8105\u8feb\u3092\u542b\u3080\u3001\u65b0\u3057\u3044\u5f62\u614b\u306e\u5f37\u8981\u304c\u884c\u308f\u308c\u3066\u3044\u307e\u3059\u3002\u7d4c\u6e08\u7684\u5916\u90e8\u6027\u306e\u554f\u984c\u306f\u3001\u30e9\u30f3\u30b5\u30e0\u30a6\u30a7\u30a2\u306b\u9650\u3063\u305f\u3053\u3068\u3067\u306f\u3042\u308a\u307e\u305b\u3093(4.2)\u3002<\/span><\/p>\n<p><span style=\"font-size: 14px;\">\u540c\u69d8\u306e\u554f\u984c\u306f\u3001\u8a98\u62d0\u3068\u8eab\u4ee3\u91d1\uff08K&amp;R\uff09\u4fdd\u967a\u306e\u6587\u8108\u3067\u3082\u767a\u751f\u3059\u308b\u3002K&amp;R\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u8eab\u4ee3\u91d1\u3092\u5b89\u5b9a\u3055\u305b\u308b\u305f\u3081\u306b\u3001\u60c5\u5831\u4ea4\u63db\u3068\u89e3\u6c7a\u306e\u305f\u3081\u306e\u6a19\u6e96\u7684\u306a\u30a2\u30d7\u30ed\u30fc\u30c1\u3092\u5968\u52b1\u3059\u308b\u5e02\u5834\u6163\u884c\u3092\u767a\u5c55\u3055\u305b\u3066\u304d\u305f\u3002\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u306e\u5e02\u5834\u3082\u96c6\u4e2d\u3057\u3066\u3044\u308b\u304c\u3001\u8eab\u4ee3\u91d1\u306e\u57fa\u6e96\u3092\u9038\u8131\u3057\u305f\u518d\u4fdd\u967a\u4f1a\u793e\u306b\u5236\u88c1\u3092\u79d1\u3059\u3053\u3068\u306f\u304a\u308d\u304b\u3001\u653b\u6483\u306b\u95a2\u3059\u308b\u60c5\u5831\u3092\u5171\u6709\u3059\u308b\u4ed5\u7d44\u307f\u3082\u9650\u3089\u308c\u3066\u3044\u307e\u3059(4.3)\u3002<\/span><\/p>\n<h2>5 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u4fdd\u967a\u306b\u3088\u308b\u4fdd\u8b77\u306b\u3064\u3044\u3066\u77e5\u308b\u305f\u3081\u306b\u3001\u4fdd\u967a\u4f1a\u793e\u3068\u63a5\u89e6\u3057\u305f\u3053\u3068\u304c\u306a\u3044\u56de\u7b54\u8005\u304c\u307e\u3060\u975e\u5e38\u306b\u591a\u304f\u3044\u307e\u3059\u3002\u4fdd\u967a\u696d\u754c\u306f\u3001\u307e\u3060\u4e00\u822c\u7684\u306b\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306e\u4e00\u90e8\u3068\u3057\u3066\u8a8d\u8b58\u3055\u308c\u3066\u3044\u306a\u3044\u306e\u3067\u3059\u3002<\/p>\n<p>\u3053\u306e\u72b6\u6cc1\u306f\u3001\u79c1\u751f\u6d3b\u306b\u304a\u3044\u3066\u3082\u5909\u308f\u308a\u307e\u305b\u3093\u3002\u3053\u3053\u3067\u306f\u3001\u30ea\u30b9\u30af\u8a8d\u8b58\u3068\u4fdd\u967a\u672a\u52a0\u5165\u306e\u9593\u306e\u4e0d\u4e00\u81f4\u304c\u3055\u3089\u306b\u5927\u304d\u304f\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u30b5\u30a4\u30d0\u30fc\u653b\u6483\u304c\u3082\u305f\u3089\u3059\u5e83\u7bc4\u306a\u5f71\u97ff\u306b\u3064\u3044\u3066\u306f\u3001\u307b\u3068\u3093\u3069\u306e\u500b\u4eba\u306e\u610f\u8b58\u306b\u6d78\u900f\u3057\u3066\u3044\u306a\u3044\u3068\u8003\u3048\u3056\u308b\u3092\u5f97\u307e\u305b\u3093\u3002\u591a\u304f\u306e\u4eba\u306f\u3001\u30cf\u30c3\u30ab\u30fc\u306b\u3068\u3063\u3066\u81ea\u5206\u306f\u9b45\u529b\u7684\u3067\u306f\u306a\u304f\u3001\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u4fb5\u5bb3\u306e\u6f5c\u5728\u7684\u306a\u5f71\u97ff\u306f\u8efd\u5fae\u3067\u3042\u308b\u3068\u8003\u3048\u3066\u3044\u308b\u306e\u3060\u308d\u3046\u3002<\/p>\n<p>\u5168\u4f53\u3068\u3057\u3066\u3001\u672c\u8abf\u67fb\u306e\u5305\u62ec\u7684\u306a\u30a2\u30f3\u30b1\u30fc\u30c8\u3078\u306e\u56de\u7b54\u306f\u3001\u4e16\u754c\u306e\u4fdd\u967a\u696d\u754c\u304c\u30b5\u30a4\u30d0\u30fc\u30ea\u30b9\u30af\u3092\u3088\u308a\u53ef\u8996\u5316\u3057\u3001\u6761\u4ef6\u3092\u3088\u308a\u7406\u89e3\u3057\u3001\u5546\u54c1\u3092\u3088\u308a\u8a55\u4fa1\u3057\u3084\u3059\u304f\u3059\u308b\u305f\u3081\u306e\u52aa\u529b\u3092\u5f37\u5316\u3059\u308b\u5fc5\u8981\u6027\u3092\u5f37\u8abf\u3057\u3066\u3044\u307e\u3059\u3002\u9069\u5207\u306a\u30ea\u30b9\u30af\u7ba1\u7406\u306f\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u306e\u524d\u63d0\u6761\u4ef6\u3067\u3042\u308a\u3001\u3059\u3079\u3066\u306e\u30b9\u30c6\u30fc\u30af\u30db\u30eb\u30c0\u30fc\u306b\u3068\u3063\u3066\u5927\u304d\u306a\u8ab2\u984c\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u3072\u3068\u3064\u3060\u3051\u306f\u3063\u304d\u308a\u3057\u3066\u3044\u308b\u3053\u3068\u306f\u3001\u30c7\u30b8\u30bf\u30eb\u30fb\u30c7\u30a3\u30b9\u30e9\u30d7\u30b7\u30e7\u30f3\u306f\u4e16\u754c\u30ec\u30d9\u30eb\u3067\u9032\u884c\u3057\u3001\u95a2\u9023\u3059\u308b\u4f9d\u5b58\u95a2\u4fc2\u3082\u81a8\u5927\u306b\u9032\u3093\u3067\u304a\u308a\u3001\u5341\u5206\u306a\u5099\u3048\u3092\u3057\u3066\u3044\u306a\u3044\u4eba\u3005\u306b\u306f\u5bb9\u8d66\u304c\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3053\u308c\u306b\u5bfe\u3057\u3001\u4fdd\u967a\u696d\u754c\u306f\u3001\u6025\u901f\u306b\u5909\u5316\u3059\u308b\u30ea\u30b9\u30af\u72b6\u6cc1\u306b\u9069\u5fdc\u3059\u308b\u5305\u62ec\u7684\u306a\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306b\u3088\u3063\u3066\u3001\u304a\u5ba2\u69d8\u306b\u771f\u306e\u4ed8\u52a0\u4fa1\u5024\u3092\u63d0\u4f9b\u3067\u304d\u308b\u3053\u3068\u3092\u8a3c\u660e\u3057\u3066\u304d\u307e\u3057\u305f\u3002\u7279\u306b\u30df\u30e5\u30f3\u30d8\u30f3\u518d\u4fdd\u967a\u306f\u3001\u30b5\u30a4\u30d0\u30fc\u518d\u4fdd\u967a\u306e\u30ea\u30fc\u30c7\u30a3\u30f3\u30b0\u30ab\u30f3\u30d1\u30cb\u30fc\u3068\u3057\u3066\u5e38\u306b\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u3092\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002\u5143\u53d7\u4fdd\u967a\u4f1a\u793e\u3084\u4f01\u696d\u306b\u5bfe\u3057\u3066\u3001\u9577\u5e74\u306e\u5c02\u9580\u77e5\u8b58\u3001\u6d17\u7df4\u3055\u308c\u305f\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3001\u305d\u3057\u3066\u9069\u5207\u306a\u88dc\u511f\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002\u4ee5\u4e0b\u306e\u7ae0\u3067\u306f\u3001\u8abf\u67fb\u7d50\u679c\u306b\u3064\u3044\u3066\u3055\u3089\u306b\u8a73\u3057\u304f\u8aac\u660e\u3057\u307e\u3059\u3002\u56fd\u5225\u306e\u5305\u62ec\u7684\u306a\u6d1e\u5bdf\u3084\u5f53\u793e\u306e\u5546\u54c1\u30fb\u30b5\u30fc\u30d3\u30b9\u306b\u95a2\u3059\u308b\u8a73\u7d30\u306b\u3064\u3044\u3066\u306f\u3001\u62c5\u5f53\u306e\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u30fb\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u307e\u305f\u306f\u30df\u30e5\u30f3\u30d8\u30f3\u518d\u4fdd\u967a\u306e\u90e8\u9580\u6a2a\u65ad\u7684\u306a\u30b5\u30a4\u30d0\u30fc\u30a8\u30ad\u30b9\u30d1\u30fc\u30c8\u30fb\u30c1\u30fc\u30e0\u306b\u304a\u554f\u3044\u5408\u308f\u305b\u304f\u3060\u3055\u3044\u3002<\/p>\n<hr \/>\n<h5>4 \u30b3\u30de\u30fc\u30b7\u30e3\u30eb \u30b5\u30a4\u30d0\u30fc\u4fdd\u967a<\/h5>\n<p>\u4e0a\u306e\u306a\u304b\u3067\u30014 \u30b3\u30de\u30fc\u30b7\u30e3\u30eb \u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u3092\u307f\u307e\u3059\u3002<\/p>\n<p>4.1 \u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u304c\u63d0\u4f9b\u3055\u308c\u307e\u3057\u305f\u304b\u3068\u3044\u3046\u8cea\u554f\u306b\u5bfe\u3057\u3066\u3001<\/p>\n<table style=\"width: 100%;\" border=\"1\">\n<tbody>\n<tr>\n<td>\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u304c\u63d0\u4f9b\u3055\u308c\u307e\u3057\u305f\u304b<\/td>\n<td>2021\u5e74<\/td>\n<td>2022\u5e74<\/td>\n<\/tr>\n<tr>\n<td>\u306f\u3044\u3002<\/td>\n<td>34\u30d1\u30fc\u30bb\u30f3\u30c8<\/td>\n<td>43\u30d1\u30fc\u30bb\u30f3\u30c8<\/td>\n<\/tr>\n<tr>\n<td>\u3044\u3044\u3048<\/td>\n<td>40\u30d1\u30fc\u30bb\u30f3\u30c8<\/td>\n<td>33\u30d1\u30fc\u30bb\u30f3\u30c8<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u305d\u306e\u7d50\u679c\u3001\u7ba1\u7406\u8005\u30ec\u30d9\u30eb\u306e\u53c2\u52a0\u8005\u306e35\uff05\u304c\u81ea\u793e\u3067\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u3092\u691c\u8a0e\u3057\u3066\u3044\u308b\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3057\u305f\u3002\u3053\u306e\u3053\u3068\u306f\u3001\u4fdd\u967a\u696d\u754c\u306b\u3068\u3063\u3066\u5927\u304d\u306a\u30d3\u30b8\u30cd\u30b9\u306e\u53ef\u80fd\u6027\u3092\u793a\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>4.2 \u3042\u306a\u305f\u306e\u4f1a\u793e\u306f\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u30dd\u30ea\u30b7\u306b\u52a0\u5165\u3057\u307e\u3057\u305f\u304b<\/p>\n<table style=\"width: 100%;\" border=\"1\">\n<tbody>\n<tr>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\u79c1\u306e\u4f1a\u793e\u306f\u3001\u4fdd\u967a\u52a0\u5165\u3092\u691c\u8a0e\u3057\u305f\u304c\u3001\u52a0\u5165\u306f\u3057\u306a\u304b\u3063\u305f<\/td>\n<td>10\u30d1\u30fc\u30bb\u30f3\u30c8<\/td>\n<\/tr>\n<tr>\n<td>\u79c1\u306e\u4f1a\u793e\u306f\u3001\u4fdd\u967a\u52a0\u5165\u3092\u691c\u8a0e\u3057\u305f\u304c\u3001\u52a0\u5165\u3057\u3088\u3046\u3068\u3057\u3066\u3044\u308b<\/td>\n<td>35\u30d1\u30fc\u30bb\u30f3\u30c8<\/td>\n<\/tr>\n<tr>\n<td>\u79c1\u306e\u4f1a\u793e\u306f\u3001\u4fdd\u967a\u52a0\u5165\u3057\u3066\u304a\u3089\u305a\u3001\u53c2\u52a0\u3059\u308b\u3053\u3068\u3082\u306a\u3044<\/td>\n<td>10\u30d1\u30fc\u30bb\u30f3\u30c8<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u8abf\u67fb\u5bfe\u8c61\u8005\u306f\u3001\u524d\u5e74\u5ea6\u3088\u308a\u3082\u82e5\u5e72\u591a\u304f\u3001\u300c\u3059\u3067\u306b\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u306b\u52a0\u5165\u3057\u3066\u3044\u308b\u300d\u3068\u56de\u7b54\u3057\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u9700\u8981\u3084\u516c\u5f0f\u306a\u5e02\u5834\u898f\u6a21\u306f\u78ba\u304b\u306b\u5897\u52a0\u3057\u3066\u3044\u308b\u3082\u306e\u306e\u3001\u4e16\u754c\u5168\u4f53\u306e\u5e02\u5834\u898f\u6a21\u3092\u898b\u308b\u3068\u3001\u666e\u53ca\u7387\u306f5\uff05\u4ee5\u4e0b\u3068\u63a8\u5b9a\u3055\u308c\u3001\u4f9d\u7136\u3068\u3057\u3066\u5927\u304d\u306a\u4fdd\u967a\u683c\u5dee\u304c\u3042\u308b\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3059\u3002\u307e\u305f\u300120%\u306e\u56de\u7b54\u8005\u306f\u3001\u30b5\u30a4\u30d0\u30fc\u4fdd\u967a\u306b\u52a0\u5165\u3057\u306a\u3044\u3001\u307e\u305f\u306f\u4fdd\u967a\u306b\u3064\u3044\u3066\u5168\u304f\u691c\u8a0e\u3057\u3066\u3044\u306a\u3044\u3068\u306e\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>4.3 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