{"id":72412,"date":"2015-07-02T10:07:40","date_gmt":"2015-07-02T01:07:40","guid":{"rendered":"https:\/\/profession-net.com\/professionjournal\/?p=72412"},"modified":"2017-04-12T12:51:29","modified_gmt":"2017-04-12T03:51:29","slug":"management-189","status":"publish","type":"post","link":"https:\/\/profession-net.com\/professionjournal\/management-189\/","title":{"rendered":"\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u30fb\u30b3\u30fc\u30c9\u306e\u30dd\u30a4\u30f3\u30c8\u3068\u4f01\u696d\u5b9f\u52d9\u306b\u304a\u3051\u308b\u5bfe\u5fdc\u306e\u30d2\u30f3\u30c8\u3000\u3010\u7b2c\uff19\u56de\u3011\u300c\u91d1\u878d\u6a5f\u95a2\u306b\u304a\u3051\u308b\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u300d\uff5e\u53d6\u7de0\u5f79\u4f1a\u306e\u8cac\u52d9\uff5e"},"content":{"rendered":"<div class=\"the-content text mb-0\"><h4 style=\"text-align: center;\"><strong>\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u30fb\u30b3\u30fc\u30c9\u306e\u30dd\u30a4\u30f3\u30c8\u3068<\/strong><\/h4>\n<h4 style=\"text-align: center;\"><strong>\u4f01\u696d\u5b9f\u52d9\u306b\u304a\u3051\u308b\u5bfe\u5fdc\u306e\u30d2\u30f3\u30c8<\/strong><\/h4>\n<h4 style=\"text-align: center;\"><strong>\u3010\u7b2c\uff19\u56de\u3011<\/strong><\/h4>\n<h4 style=\"text-align: center;\"><strong>\u300c\u91d1\u878d\u6a5f\u95a2\u306b\u304a\u3051\u308b\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u300d<\/strong><\/h4>\n<h5 style=\"text-align: center;\"><strong>\uff5e\u53d6\u7de0\u5f79\u4f1a\u306e\u8cac\u52d9\uff5e<\/strong><\/h5>\n<p>&nbsp;<\/p>\n<p style=\"text-align: right;\">PwC\u3042\u3089\u305f\u76e3\u67fb\u6cd5\u4eba\u3000\u30b7\u30cb\u30a2\u30de\u30cd\u30fc\u30b8\u30e3\u30fc<br \/>\n<strong>\u963f\u90e8\u3000\u529f\u6cbb<\/strong><\/p>\n<div class=\"box_ box clear\" style=\"font-size:11px; line-height:21px;-moz-border-radius: 5px; border-radius: 5px;background-color:#FFFFFF;color:#000000;border-color:#D3D3D3;\">\n\t\t<p>2015\u5e74\uff17\u6708\uff11\u65e5\u3088\u308a\u3001\u3042\u3089\u305f\u76e3\u67fb\u6cd5\u4eba\u306f\u6cd5\u4eba\u540d\u79f0\u3092\u300cPwC\u3042\u3089\u305f\u76e3\u67fb\u6cd5\u4eba\u300d\u306b\u5909\u66f4\u3057\u3066\u3044\u308b\u3002<\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<h4><strong>\u3014\u306f\u3058\u3081\u306b\u3015<\/strong><\/h4>\n<p>\u6771\u4eac\u8a3c\u5238\u53d6\u5f15\u6240\uff08\u4ee5\u4e0b\u300c\u6771\u8a3c\u300d\uff09\u306f\u3001\u300c\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u30fb\u30b3\u30fc\u30c9\u306e\u7b56\u5b9a\u306b\u95a2\u3059\u308b\u6709\u8b58\u8005\u4f1a\u8b70\u300d\u304c\u53d6\u308a\u307e\u3068\u3081\u305f\u300c<a title=\"\u91d1\u878d\u5e81\u30db\u30fc\u30e0\u30da\u30fc\u30b8\" href=\"http:\/\/www.fsa.go.jp\/news\/26\/sonota\/20150305-1.html\" target=\"_blank\">\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u30fb\u30b3\u30fc\u30c9\u539f\u6848<\/a>\u300d\uff082015\u5e74\uff13\u6708\uff15\u65e5\u516c\u8868\uff09\u3092\u53d7\u3051\u3066\u3001\u300c\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u30fb\u30b3\u30fc\u30c9\u300d\uff08\u4ee5\u4e0b\u300cCG\u30b3\u30fc\u30c9\u300d\uff09\u3092<a title=\"JPX\u30db\u30fc\u30e0\u30da\u30fc\u30b8\" href=\"http:\/\/www.jpx.co.jp\/news\/1020\/20150513.html\" target=\"_blank\">\u6771\u8a3c\u306e\u6709\u4fa1\u8a3c\u5238\u4e0a\u5834\u898f\u7a0b\u306e\u5225\u6dfb\u3068\u3057\u3066\u5b9a\u3081\u308b<\/a>\u3068\u3068\u3082\u306b\u3001\u95a2\u9023\u3059\u308b<a title=\"JPX\u30db\u30fc\u30e0\u30da\u30fc\u30b8\" href=\"http:\/\/www.jpx.co.jp\/rules-participants\/rules\/revise\/index.html\" target=\"_blank\">\u4e0a\u5834\u5236\u5ea6\u306e\u6574\u5099\u3092\u884c\u3063\u305f<\/a>\u3002CG\u30b3\u30fc\u30c9\u306f\u30012015\u5e74\uff16\u6708\uff11\u65e5\u304b\u3089\u65e2\u306b\u9069\u7528\u3055\u308c\u3066\u3044\u308b\u3002<\/p>\n<p>\u672c\u7a3f\u306b\u304a\u3044\u3066\u306f\u3001\u91d1\u878d\u6a5f\u95a2\uff08\u9280\u884c\u696d\u754c\uff09\u3092\u4f8b\u306b\u3001\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u306e\u3042\u308b\u3079\u304d\u59ff\u306b\u3064\u3044\u3066CG\u30b3\u30fc\u30c9\u7b2c\uff14\u7ae0\u300c\u53d6\u7de0\u5f79\u4f1a\u7b49\u306e\u8cac\u52d9\u300d\u3092\u8e0f\u307e\u3048\u305f\u8b70\u8ad6\u3092\u5c55\u958b\u3059\u308b\u3002<br \/>\n\u306a\u304a\u3001\u6587\u4e2d\u306e\u610f\u898b\u306b\u308f\u305f\u308b\u90e8\u5206\u306f\u7b46\u8005\u306e\u79c1\u898b\u3067\u3042\u308b\u3053\u3068\u3092\u304a\u65ad\u308a\u3057\u3066\u304a\u304f\u3002<\/p>\n<p>&nbsp;<\/p>\n<h4><strong>\u3014CG\u30b3\u30fc\u30c9\u306e\u57fa\u672c\u539f\u5247\uff14\uff08\u53d6\u7de0\u5f79\u4f1a\u7b49\u306e\u8cac\u52d9\uff09\u3015<\/strong><\/h4>\n<p>\u6771\u8a3c\u306e\u300cCG\u30b3\u30fc\u30c9\u300d\u306e<a title=\"JPX\u30db\u30fc\u30e0\u30da\u30fc\u30b8\" href=\"http:\/\/www.jpx.co.jp\/equities\/listing\/cg\/tvdivq0000008jdy-att\/code.pdf#page=16\" target=\"_blank\">\u57fa\u672c\u539f\u5247\uff14<\/a>\u306b\u304a\u3044\u3066\u306f\u3001\u300c\u53d6\u7de0\u5f79\u4f1a\u7b49\u306e\u8cac\u52d9\u300d\u3068\u3057\u3066\u3001\u4ee5\u4e0b\u306e\uff13\u70b9\u304c\u7279\u306b\u91cd\u8981\u306a\u3082\u306e\u3068\u3057\u3066\u6319\u3052\u3089\u308c\u3066\u3044\u308b\u3002<\/p>\n<div class=\"box_ box clear\" style=\"font-size:15px; line-height:25px;-moz-border-radius: 5px; border-radius: 5px;background-color:#FFFFFF;color:#000000;border-color:#B22222;\">\n\t\t<p style=\"margin-left: 10px; text-indent: -15px; margin-bottom: 3px;\">\uff08\uff11\uff09\u3000\u4f01\u696d\u6226\u7565\u7b49\u306e\u5927\u304d\u306a\u65b9\u5411\u6027\u3092\u793a\u3059\u3053\u3068<\/p>\n<p style=\"margin-left: 10px; text-indent: -15px; margin-bottom: 3px;\">\uff08\uff12\uff09\u3000\u7d4c\u55b6\u9663\u5e79\u90e8\u306b\u3088\u308b\u9069\u5207\u306a\u30ea\u30b9\u30af\u30c6\u30a4\u30af\u3092\u652f\u3048\u308b\u74b0\u5883\u6574\u5099\u3092\u884c\u3046\u3053\u3068<\/p>\n<p style=\"margin-left: 10px; text-indent: -15px; margin-bottom: 3px;\">\uff08\uff13\uff09\u3000\u72ec\u7acb\u3057\u305f\u7acb\u5834\u304b\u3089\u3001\u7d4c\u55b6\u9663\uff08\u57f7\u884c\u5f79\u53ca\u3073\u3044\u308f\u3086\u308b\u57f7\u884c\u5f79\u54e1\u3092\u542b\u3080\uff09\u30fb\u53d6\u7de0\u5f79\u306b\u5bfe\u3059\u308b\u5b9f\u52b9\u6027\u306e\u9ad8\u3044\u76e3\u7763\u3092\u884c\u3046\u3053\u3068<\/p>\n<\/div>\n<p style=\"margin-bottom: 3px;\">\u91d1\u878d\u6a5f\u95a2\uff08\u9280\u884c\u696d\u754c\uff09\u306b\u304a\u3044\u3066\u306f\u3001\u30d0\u30fc\u30bc\u30eb\u9280\u884c\u76e3\u7763\u59d4\u54e1\u4f1a\u3088\u308a\u300cCorporate governance principles for banks \uff08Consultative document, Basel Committee on Banking Supervision, October 2014\uff09\u300d\uff08\u9280\u884c\u306e\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u8af8\u539f\u5247\u3001\u30d0\u30fc\u30bc\u30eb\u9280\u884c\u76e3\u7763\u59d4\u54e1\u4f1a<span style=\"font-size: 12px; color: #b22222;\">\uff08\u203b\uff09<\/span>\uff09\u304c\u767a\u51fa\u3055\u308c\u3066\u304a\u308a\u3001\u3088\u308a\u5177\u4f53\u7684\u306b\u6e80\u305f\u3059\u3079\u304d\u4e8b\u9805\u306b\u3064\u3044\u3066\u306f\u53c2\u8003\u306b\u306a\u308b\u3002<\/p>\n<p style=\"margin-left: 10px; text-indent: -15px; margin-bottom: 3px; padding-left: 15px;\"><span style=\"font-size: 12px;\"><span style=\"color: #b22222;\">\uff08\u203b\uff09<\/span>\u3000\u300c\u9280\u884c\u306e\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u8af8\u539f\u5247\u300d\u306b\u95a2\u3059\u308b\u672c\u6587\u4e2d\u306e\u65e5\u672c\u8a9e\u306f\u7b46\u8005\u4eee\u8a33\u3002\u539f\u6587\u306f<a title=\"BIS\u30db\u30fc\u30e0\u30da\u30fc\u30b8\" href=\"http:\/\/www.bis.org\/publ\/bcbs294.htm\" target=\"_blank\">\u3053\u3061\u3089<\/a>\u3092\u53c2\u7167\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><strong>\u3014\u91d1\u878d\u6a5f\u95a2\u306e\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u3015<\/strong><\/h4>\n<p>\u300c\u9280\u884c\u306e\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u8af8\u539f\u5247\u300d\u306f\u3001\u4ee5\u4e0b\u306e13\u306e\u539f\u5247\u304b\u3089\u69cb\u6210\u3055\u308c\u3066\u3044\u308b\u3002<!--more--><\/p>\n<p><strong>\u3010\u56f3\uff11\uff1a\u9280\u884c\u306e\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u306b\u95a2\u3059\u308b13\u306e\u539f\u5247\u3011<\/strong><br \/>\n<a href=\"https:\/\/profession-net.com\/wp-content\/uploads\/sites\/2\/2015\/06\/cgc9-1.png\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-72422 alignnone\" src=\"https:\/\/profession-net.com\/wp-content\/uploads\/sites\/2\/2015\/06\/cgc9-1.png\" alt=\"\u539f\u52471\uff1a\u3000\u53d6\u7de0\u5f79\u4f1a\u306e\u5168\u822c\u7684\u8cac\u52d9\u3000\u539f\u52472\uff1a\u3000\u53d6\u7de0\u5f79\u4f1a\u306e\u9069\u683c\u8981\u4ef6\u3068\u516c\u6b63\u3000\u539f\u52473\uff1a\u3000\u53d6\u7de0\u5f79\u4f1a\u306e\u69cb\u9020\u3068\u5b9f\u52d9\u3000\u539f\u52474\uff1a\u3000\u4e0a\u7d1a\u7d4c\u55b6\u9663\u3000\u539f\u52475\uff1a\u3000\u30b0\u30eb\u30fc\u30d7\u69cb\u9020\u306e\u30ac\u30d0\u30ca\u30f3\u30b9\u3000\u539f\u52476\uff1a\u3000\u30ea\u30b9\u30af\u7ba1\u7406\u3000\u539f\u52477\uff1a\u3000\u30ea\u30b9\u30af\u306e\u7279\u5b9a\u3001\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u3001\u7d71\u5236\u3000\u539f\u52478\uff1a\u3000\u30ea\u30b9\u30af\u30b3\u30df\u30e5\u30cb\u30b1\u30fc\u30b7\u30e7\u30f3\u3000\u539f\u52479\uff1a\u3000\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3000\u539f\u524710\uff1a\u3000\u5185\u90e8\u76e3\u67fb\u3000\u539f\u524711\uff1a\u3000\u5831\u916c\u3000\u539f\u524712\uff1a\u3000\u60c5\u5831\u958b\u793a\u3068\u900f\u660e\u6027\u3000\u539f\u524713\uff1a\u3000\u76e3\u7763\u5f53\u5c40\u306e\u5f79\u5272\" width=\"650\" height=\"323\" \/><\/a><\/p>\n<p style=\"text-align: right; margin-top: -30px; margin-bottom: 20px;\"><span style=\"font-size: 12px;\">\uff08\u51fa\u6240\uff1a\u300c\u9280\u884c\u306e\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u8af8\u539f\u5247\u300d\u306b\u57fa\u3065\u304d\u7b46\u8005\u4f5c\u6210\uff09<\/span><\/p>\n<p>\u5168\u4f53\u3068\u3057\u3066\u3001\u53d6\u7de0\u5f79\u4f1a\u306e\u3042\u308a\u65b9\u3084\u679c\u305f\u3059\u3079\u304d\u5f79\u5272\uff08\u539f\u5247\uff11\uff5e\uff13\uff09\u3001\u30ea\u30b9\u30af\u30ac\u30d0\u30ca\u30f3\u30b9\u614b\u52e2\u306e\u69cb\u7bc9\u3068\u904b\u55b6\uff08\u539f\u5247\uff16\uff5e10\uff09\u306b\u7279\u306b\u91cd\u70b9\u304c\u7f6e\u304b\u308c\u305f\u5185\u5bb9\u3067\u3042\u308b\u3068\u6349\u3048\u308b\u3053\u3068\u304c\u3067\u304d\u3088\u3046\u3002<\/p>\n<p>\u3068\u308a\u308f\u3051\u3001\u91d1\u878d\u6a5f\u95a2\u306e\u30ac\u30d0\u30ca\u30f3\u30b9\u306e\u8981\u8ae6\u3067\u3042\u308b\u53d6\u7de0\u5f79\u4f1a\u306e\u3042\u308a\u65b9\u3084\u305d\u306e\u8cac\u52d9\u306b\u3064\u3044\u3066\u306f\u3001\u539f\u52471\u306b\u304a\u3044\u3066\u8a73\u8ff0\u3055\u308c\u3066\u3044\u308b\u3002<\/p>\n<p><strong>\u3010\u56f3\uff12\uff1a\u539f\u5247\uff11\uff08\u53d6\u7de0\u5f79\u4f1a\u306e\u5168\u822c\u7684\u8cac\u52d9\uff09\u306e\u5168\u4f53\u50cf\u3011<\/strong><br \/>\n<a href=\"https:\/\/profession-net.com\/wp-content\/uploads\/sites\/2\/2015\/06\/cgc9-2.png\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-72421 aligncenter\" src=\"https:\/\/profession-net.com\/wp-content\/uploads\/sites\/2\/2015\/06\/cgc9-2.png\" alt=\"\" width=\"550\" height=\"317\" srcset=\"https:\/\/profession-net.com\/professionjournal\/wp-content\/uploads\/sites\/2\/2015\/06\/cgc9-2.png 803w, https:\/\/profession-net.com\/professionjournal\/wp-content\/uploads\/sites\/2\/2015\/06\/cgc9-2-300x172.png 300w\" sizes=\"(max-width: 550px) 100vw, 550px\" \/><\/a><\/p>\n<p style=\"text-align: right; margin-top: -30px; margin-bottom: 20px;\"><span style=\"font-size: 12px;\">\uff08\u51fa\u6240\uff1a\u300c\u9280\u884c\u306e\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u8af8\u539f\u5247\u300d\u306b\u57fa\u3065\u304d\u7b46\u8005\u4f5c\u6210\uff09<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><strong>\u3014\u53d6\u7de0\u5f79\u4f1a\u306e\u8cac\u52d9\u3015<\/strong><\/h4>\n<p>\u300c\u9280\u884c\u306e\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u8af8\u539f\u5247\u300d\u306b\u304a\u3044\u3066\u306f\u3001\u53d6\u7de0\u5f79\u4f1a\u306e\u8cac\u52d9\u3068\u3057\u3066\u3001\u5177\u4f53\u7684\u306b\u4ee5\u4e0b\u306e\u4e8b\u9805\u304c\u5217\u6319\u3055\u308c\u3066\u3044\u308b\u3002<\/p>\n<div class=\"box_ box clear\" style=\"font-size:15px; line-height:25px;-moz-border-radius: 5px; border-radius: 5px;background-color:#FFFFFF;color:#000000;border-color:#666699;\">\n\t\t<p style=\"margin-left: 10px; text-indent: -10px; margin-bottom: 3px;\"><span style=\"color: #666699;\">\u25c6<\/span>\u9280\u884c\u306e\u4e8b\u696d\u76ee\u7684\u3068\u6226\u7565\u3092\u78ba\u7acb\u3057\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u3092\u884c\u3046<\/p>\n<p style=\"margin-left: 10px; text-indent: -10px; margin-bottom: 3px;\"><span style=\"color: #666699;\">\u25c6<\/span>\u9280\u884c\u306e\u4f01\u696d\u6587\u5316\u3068\u4fa1\u5024\u89b3\u3092\u78ba\u7acb\u3059\u308b<\/p>\n<p style=\"margin-left: 10px; text-indent: -10px; margin-bottom: 3px;\"><span style=\"color: #666699;\">\u25c6<\/span>\u9069\u5207\u306a\u30ac\u30d0\u30ca\u30f3\u30b9\u30d5\u30ec\u30fc\u30e0\u30ef\u30fc\u30af\u306e\u5c0e\u5165\u72b6\u6cc1\u3092\u76e3\u7763\u3059\u308b<\/p>\n<p style=\"margin-left: 10px; text-indent: -10px; margin-bottom: 3px;\"><span style=\"color: #666699;\">\u25c6<\/span>\u4e0a\u7d1a\u7d4c\u55b6\u9663\u53ca\u3073CRO \uff08Chief Risk Officer\uff09\u3068\u3068\u3082\u306b\u3001\u7af6\u4e89\u74b0\u5883\uff0f\u898f\u5236\u74b0\u5883\u3001\u9577\u671f\u7684\u306a\u5229\u76ca\u3001\u30ea\u30b9\u30af\u3078\u306e\u30a8\u30af\u30b9\u30dd\u30fc\u30b8\u30e3\u30fc\u3001\u9280\u884c\u306e\u30ea\u30b9\u30af\u7ba1\u7406\u80fd\u529b\u3092\u8e0f\u307e\u3048\u3066\u3001\u30ea\u30b9\u30af\u30a2\u30da\u30bf\u30a4\u30c8\u3092\u7b56\u5b9a\u3059\u308b<\/p>\n<p style=\"margin-left: 10px; text-indent: -10px; margin-bottom: 3px;\"><span style=\"color: #666699;\">\u25c6<\/span>RAS \uff08Risk Appetite Statement\uff09\u3001\u30ea\u30b9\u30af\u30dd\u30ea\u30b7\u30fc\u3001\u30ea\u30b9\u30af\u30ea\u30df\u30c3\u30c8\u306e\u9075\u5b88\u72b6\u6cc1\u3092\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u3059\u308b<\/p>\n<p style=\"margin-left: 10px; text-indent: -10px; margin-bottom: 3px;\"><span style=\"color: #666699;\">\u25c6<\/span>\u9280\u884c\u306e\u81ea\u5df1\u8cc7\u672c\u9069\u5207\u6027\u8a55\u4fa1\u30d7\u30ed\u30bb\u30b9\u306e\u5c0e\u5165\u72b6\u6cc1\u3001\u8cc7\u672c\u53ca\u3073\u6d41\u52d5\u6027\u306b\u4fc2\u308b\u8a08\u753b\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u30dd\u30ea\u30b7\u30fc\u53ca\u3073\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u4e0a\u306e\u7fa9\u52d9\u3001\u5185\u90e8\u7d71\u5236\u30b7\u30b9\u30c6\u30e0\u306b\u95a2\u3059\u308b\u627f\u8a8d\u53ca\u3073\u76e3\u7763\u3092\u5b9f\u65bd<\/p>\n<p style=\"margin-left: 10px; text-indent: -10px; margin-bottom: 3px;\"><span style=\"color: #666699;\">\u25c6<\/span>\u4e0a\u7d1a\u7d4c\u55b6\u9663\u306e\u9078\u51fa\u306b\u95a2\u3059\u308b\u627f\u8a8d\u3001\u4e0a\u7d1a\u7d4c\u55b6\u9663\u306e\u696d\u7e3e\u306b\u95a2\u3059\u308b\u76e3\u7763\u3092\u5b9f\u65bd<\/p>\n<p style=\"margin-left: 10px; text-indent: -10px; margin-bottom: 3px;\"><span style=\"color: #666699;\">\u25c6<\/span>\u9280\u884c\u306e\u5831\u916c\u5236\u5ea6\u306e\u8a2d\u8a08\u3068\u904b\u55b6\u306b\u95a2\u3059\u308b\u76e3\u7763\u3092\u884c\u3044\u3001\u5831\u916c\u5236\u5ea6\u3092\u3001\u9280\u884c\u306b\u3068\u3063\u3066\u671b\u307e\u3057\u3044\u30ea\u30b9\u30af\u30ab\u30eb\u30c1\u30e3\u30fc\u53ca\u3073\u30ea\u30b9\u30af\u30a2\u30da\u30bf\u30a4\u30c8\u3068\u6574\u5408\u3055\u305b\u308b<\/p>\n<\/div>\n<p>\u4e8b\u696d\u76ee\u7684\u3084\u6226\u7565\u3001\u4e0a\u7d1a\u7d4c\u55b6\u9663\uff08\u696d\u52d9\u57f7\u884c\u3092\u62c5\u3046\u5f79\u54e1\u3042\u308b\u3044\u306f\u5e79\u90e8\u5f93\u696d\u54e1\uff09\u306e\u76e3\u7763\u3068\u3044\u3063\u305f\u3001\u5f93\u524d\u304b\u3089\u53d6\u7de0\u5f79\u4f1a\u304c\u5f53\u7136\u306b\u679c\u305f\u3059\u3079\u304d\u3068\u3055\u308c\u3066\u304d\u305f\u4e8b\u9805\u306b\u52a0\u3048\u3001\u4f01\u696d\u6587\u5316\u306e\u78ba\u7acb\u3084\u30ea\u30b9\u30af\u30a2\u30da\u30bf\u30a4\u30c8\u306e\u7b56\u5b9a\u3068\u3044\u3063\u305f\u4e8b\u9805\u306b\u3064\u3044\u3066\u3082\u53d6\u7de0\u5f79\u4f1a\u304c\u30ea\u30fc\u30c9\u3059\u3079\u304d\u3068\u3055\u308c\u3066\u3044\u308b\u70b9\u306f\u6ce8\u76ee\u3059\u3079\u304d\u3067\u3042\u308b\u3002<\/p>\n<p>&nbsp;<\/p>\n<h4><strong>\u3014\u4f01\u696d\u6587\u5316\u3068\u4fa1\u5024\u89b3\u3015<\/strong><\/h4>\n<p>\u300c\u9280\u884c\u306e\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u8af8\u539f\u5247\u300d\u306b\u304a\u3044\u3066\u306f\u3001\u201c\u8cac\u4efb\u611f\u306e\u3042\u308b\u502b\u7406\u7684\u306a\u884c\u52d5\u306b\u5bfe\u3059\u308b\u898f\u7bc4\u610f\u8b58\u3092\u5f37\u5316\u3057\u3046\u308b\u4f01\u696d\u6587\u5316\u306f\u826f\u597d\u306a\u30ac\u30d0\u30ca\u30f3\u30b9\u306b\u4e0d\u53ef\u6b20\u3067\u3042\u308b\u201d\u3068\u660e\u8a18\u3055\u308c\u3066\u304a\u308a\u3001\u9069\u5207\u306a\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u614b\u52e2\u78ba\u7acb\u306e\u790e\u3068\u3057\u3066\u3001\u9069\u5207\u306a\u4f01\u696d\u6587\u5316\u3092\u78ba\u7acb\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3042\u308b\u3053\u3068\u304c\u5f37\u8abf\u3055\u308c\u3066\u3044\u308b\u3002\u307e\u305f\u3001\u3053\u3046\u3057\u305f\u4f01\u696d\u6587\u5316\u306e\u78ba\u7acb\u306f\u3001\u91d1\u878d\u6a5f\u95a2\u306e\u7d4c\u55b6\u306b\u304a\u3044\u3066\u6975\u3081\u3066\u91cd\u8981\u306a\u4f4d\u7f6e\u3092\u5360\u3081\u308b\u30ea\u30b9\u30af\u7ba1\u7406\u306b\u5bfe\u3057\u3066\u3082\u975e\u5e38\u306b\u91cd\u8981\u306a\u610f\u5473\u3092\u6301\u3063\u3066\u3044\u308b\u3068\u8003\u3048\u3089\u308c\u308b\u3002<\/p>\n<p>\u30ea\u30b9\u30af\u7ba1\u7406\u304c\u6709\u52b9\u306b\u6a5f\u80fd\u3059\u308b\u305f\u3081\u306b\u306f\u3001\u7d50\u5c40\u306e\u3068\u3053\u308d\u3001\u7d44\u7e54\u306e\u69cb\u6210\u54e1\u4e00\u4eba\u4e00\u4eba\u304c\u3001\u7d44\u7e54\u304c\u5c0a\u91cd\u3059\u308b\u4fa1\u5024\u89b3\u3092\u7406\u89e3\u3057\u305f\u4e0a\u3067\u305d\u308c\u306b\u57fa\u3065\u304d\u9069\u5207\u306b\u884c\u52d5\u3057\u3066\u3044\u304f\u3053\u3068\u304c\u5fc5\u8981\u306a\u306e\u3067\u3042\u308a\u3001\u305d\u3046\u3057\u305f\u4fa1\u5024\u89b3\u306e\u5171\u6709\u30fb\u5b9f\u8df5\u306a\u304f\u3057\u3066\u306f\u3001\u3044\u304b\u306b\u9811\u5f37\u306a\u30d5\u30ec\u30fc\u30e0\u30ef\u30fc\u30af\u3084\u53b3\u3057\u3044\u30d7\u30ed\u30bb\u30b9\u3092\u5c0e\u5165\u3057\u3088\u3046\u3068\u3082\u3001\u305d\u308c\u3089\u304c\u672c\u6765\u306e\u6a5f\u80fd\u3092\u767a\u63ee\u3059\u308b\u3053\u3068\u306f\u975e\u5e38\u306b\u56f0\u96e3\u3068\u306a\u308b\u3067\u3042\u308d\u3046\u3002<\/p>\n<p>&nbsp;<\/p>\n<h4><strong>\u3014\u30ea\u30b9\u30af\u30a2\u30da\u30bf\u30a4\u30c8\u3001\u30ea\u30b9\u30af\u7ba1\u7406\u3068\u7d71\u5236\u3015<\/strong><\/h4>\n<p>\u300c\u9280\u884c\u306e\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u8af8\u539f\u5247\u300d\u306b\u304a\u3044\u3066\u306f\u3001\u5f37\u56fa\u306a\u30ea\u30b9\u30af\u30ac\u30d0\u30ca\u30f3\u30b9\u30d5\u30ec\u30fc\u30e0\u30ef\u30fc\u30af\u3092\u76e3\u7763\u3059\u308b\u3053\u3068\u306b\u3064\u3044\u3066\u3001\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u30d5\u30ec\u30fc\u30e0\u30ef\u30fc\u30af\u306e\u4e00\u90e8\u3068\u3057\u3066\u3001\u53d6\u7de0\u5f79\u4f1a\u304c\u8cac\u4efb\u3092\u6709\u3059\u308b\u3068\u3055\u308c\u3066\u3044\u308b\u3002<\/p>\n<p>\u30ea\u30b9\u30af\u30ac\u30d0\u30ca\u30f3\u30b9\u30d5\u30ec\u30fc\u30e0\u30ef\u30fc\u30af\u3092\u69cb\u7bc9\u3059\u308b\u305f\u3081\u306b\u306f\u3001\u305d\u3082\u305d\u3082\u7d44\u7e54\u3068\u3057\u3066\u3069\u306e\u3088\u3046\u306a\u30ea\u30b9\u30af\u3092\u3069\u306e\u7a0b\u5ea6\u53d6\u308b\u306e\u304b\u3068\u3044\u3046\u3053\u3068\u3092\u660e\u78ba\u306b\u3057\u3066\u304a\u304f\u3053\u3068\u304c\u4e0d\u53ef\u6b20\u3068\u306a\u308b\u3002<\/p>\n<p>\u5177\u4f53\u7684\u306b\u306f\u3001\u30ea\u30b9\u30af\u30c6\u30a4\u30af\u306b\u95a2\u3059\u308b\u57fa\u672c\u7684\u65b9\u91dd\u3001\u8003\u616e\u3059\u3079\u304d\u30ea\u30b9\u30af\u306e\u7a2e\u985e\u3084\u7a0b\u5ea6\u7b49\u306b\u3064\u3044\u3066\u3001\u5b9a\u91cf\u7684\u5074\u9762\uff0f\u5b9a\u6027\u7684\u5074\u9762\u306e\u4e21\u9762\u304b\u3089\u300c\u30ea\u30b9\u30af\u30a2\u30da\u30bf\u30a4\u30c8\u30b9\u30c6\u30fc\u30c8\u30e1\u30f3\u30c8\u300d\u3092\u53d6\u308a\u307e\u3068\u3081\u3001\u53d6\u7de0\u5f79\u4f1a\u306b\u304a\u3044\u3066\u627f\u8a8d\u3057\u3001\u5fc5\u8981\u306b\u5fdc\u3058\u5909\u66f4\u3057\u3066\u3044\u304f\u3053\u3068\u306b\u306a\u308b\u3002\u307e\u305f\u3001\u3044\u308f\u3086\u308b\u300c\uff13\u3064\u306e\u30c7\u30a3\u30d5\u30a7\u30f3\u30b9\u30e9\u30a4\u30f3\u300d\u306b\u57fa\u3065\u304f\u7d44\u7e54\u4f53\u5236\uff0f\u5f79\u5272\u30fb\u8cac\u4efb\u5206\u62c5\u3092\u660e\u78ba\u5316\u3057\u3066\u304a\u304f\u3053\u3068\u3082\u91cd\u8981\u3067\u3042\u308b\u3002<\/p>\n<p>&nbsp;<\/p>\n<h4><strong>\u3014\u4e0a\u7d1a\u7d4c\u55b6\u9663\u306e\u76e3\u7763\u3015<\/strong><\/h4>\n<p>\u300c\u9280\u884c\u306e\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u8af8\u539f\u5247\u300d\u306b\u304a\u3044\u3066\u306f\u3001\u4e0a\u7d1a\u7d4c\u55b6\u9663\uff08\u5b9f\u969b\u306b\u696d\u52d9\u57f7\u884c\u306b\u643a\u308f\u308b\u5f79\u54e1\u7b49\uff09\u306e\u76e3\u7763\u306b\u3064\u3044\u3066\u3082\u89e6\u308c\u3089\u308c\u3066\u3044\u308b\u304c\u3001\u5358\u306a\u308b\u696d\u7e3e\u7ba1\u7406\u3068\u3057\u3066\u306e\u5074\u9762\u3060\u3051\u3067\u306f\u306a\u304f\u3001\u696d\u52d9\u57f7\u884c\u306e\u4f01\u696d\u6587\u5316\u3068\u306e\u4e00\u8cab\u6027\u3084\u3001\u30ea\u30b9\u30af\u30a2\u30da\u30bf\u30a4\u30c8\u306e\u9075\u5b88\u72b6\u6cc1\u3001\u30ea\u30b9\u30af\u30ab\u30eb\u30c1\u30e3\u30fc\u306e\u72b6\u6cc1\u306b\u4fc2\u308b\u76e3\u7763\u306b\u3064\u3044\u3066\u3082\u3001\u8ca1\u52d9\u4e0a\u306e\u5f97\u5931\u306b\u95a2\u308f\u3089\u305a\u884c\u3063\u3066\u3044\u304f\u3053\u3068\u304c\u6c42\u3081\u3089\u308c\u3066\u3044\u308b\u3002<\/p>\n<h4 style=\"text-align: center;\"><span style=\"color: #808080;\"><strong>\uff0a\u3000\u3000\u3000\uff0a\u3000\u3000\u3000\uff0a<\/strong><\/span><\/h4>\n<p>\u6700\u5f8c\u306b\u3001PwC\u3042\u3089\u305f\u76e3\u67fb\u6cd5\u4eba\u306a\u3069\u3067\u69cb\u6210\u3055\u308c\u308bPwC Japan\u3067\u306f\u91d1\u878d\u6a5f\u95a2\u306b\u304a\u3051\u308b\u30ea\u30b9\u30af\u30ac\u30d0\u30ca\u30f3\u30b9\u306b\u3064\u3044\u3066\u306e\u3042\u308b\u3079\u304d\u59ff\u3001\u5148\u9032\u7684\u306a\u53d6\u308a\u7d44\u307f\u306b\u3064\u3044\u3066\u306e\u7d39\u4ecb\u8cc7\u6599\u300c\u30ea\u30b9\u30af\u30ac\u30d0\u30ca\u30f3\u30b9\u3001\u30ea\u30b9\u30af\u30a2\u30da\u30bf\u30a4\u30c8\u30fb\u30d5\u30ec\u30fc\u30e0\u30ef\u30fc\u30af\u3001\u30ea\u30b9\u30af\u30ab\u30eb\u30c1\u30e3\u30fc\u300d\u3092\u767a\u8868\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u8a18\u8f09\u3057\u3066\u304a\u304f\u3002\u672c\u7a3f\u306e\u95a2\u9023\u8cc7\u6599\u3068\u3057\u3066\u53c2\u7167\u3055\u308c\u305f\u3044\u3002<\/p>\n<div class=\"box_ box clear\" style=\"font-size:15px; line-height:25px;-moz-border-radius: 0px; border-radius: 0px;background-color:#FFFFFF;color:#000000;border-color:#B22222;\">\n\t\t<p><strong>\u3010\u95a2\u9023\u8cc7\u6599\u3011<\/strong>\u3000PwC\u3042\u3089\u305f\u76e3\u67fb\u6cd5\u4eba<br \/>\n<span style=\"color: #b22222;\">\u25b7<\/span><a title=\"PwC\u3042\u3089\u305f\u76e3\u67fb\u6cd5\u4eba\u30db\u30fc\u30e0\u30da\u30fc\u30b8\" href=\"http:\/\/www.pwc.com\/jp\/ja\/japan-knowledge\/archive\/risk-governance-appetite-framework1502.jhtml\" target=\"_blank\">\u30ea\u30b9\u30af\u30ac\u30d0\u30ca\u30f3\u30b9\u3001\u30ea\u30b9\u30af\u30a2\u30da\u30bf\u30a4\u30c8\u30fb\u30d5\u30ec\u30fc\u30e0\u30ef\u30fc\u30af\u3001\u30ea\u30b9\u30af\u30ab\u30eb\u30c1\u30e3\u30fc<\/a><\/p>\n<\/div>\n<p style=\"text-align: right;\">\uff08\u4e86\uff09<\/p>\n<p style=\"margin-bottom: 3px;\"><div class=\"box_info box clear\" style=\"font-size:14px; line-height:24px;\">\n\t\t<p>\u300c\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u30fb\u30b3\u30fc\u30c9\u306e\u30dd\u30a4\u30f3\u30c8\u3068\u4f01\u696d\u5b9f\u52d9\u306b\u304a\u3051\u308b\u5bfe\u5fdc\u306e\u30d2\u30f3\u30c8\u300d\u306f\u3001\u9694\u9031\u3067\u63b2\u8f09\u3055\u308c\u307e\u3059\u3002<\/p>\n<\/div>\n<\/p><\/div>","protected":false},"excerpt":{"rendered":"<p>\u91d1\u878d\u6a5f\u95a2\uff08\u9280\u884c\u696d\u754c\uff09\u306b\u304a\u3044\u3066\u306f\u3001\u30d0\u30fc\u30bc\u30eb\u9280\u884c\u76e3\u7763\u59d4\u54e1\u4f1a\u3088\u308a\u300cCorporate governance principles for banks \uff08Consultative document, Basel Committee on Banking Supervision, October 2014\uff09\u300d\uff08\u9280\u884c\u306e\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ac\u30d0\u30ca\u30f3\u30b9\u8af8\u539f\u5247\u3001\u30d0\u30fc\u30bc\u30eb\u9280\u884c\u76e3\u7763\u59d4\u54e1\u4f1a\uff08\u203b\uff09\uff09\u304c\u767a\u51fa\u3055\u308c\u3066\u304a\u308a\u3001\u3088\u308a\u5177\u4f53\u7684\u306b\u6e80\u305f\u3059\u3079\u304d\u4e8b\u9805\u306b\u3064\u3044\u3066\u306f\u53c2\u8003\u306b\u306a\u308b\u3002<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[169,293],"tags":[654,333,159],"backnumber":[1801],"series":[993],"acf":[],"publishpress_future_action":{"enabled":false,"date":"2026-04-13 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