「第７回 金融機関利用に関する意識調査」 目次
Ⅰ 要約 ...3
Ⅱ 調査概要 ...5
１ 調査概要 ... 7
１−１ 調査目的 ... 7
１−２ 調査設計 ... 7
１−３ ２人以上世帯 回収結果 ... 7
参考 層化二段無作為抽出法について... 8
２ 回答世帯の属性...10
２−１ 世帯主年齢構成 ...10
２−２ 世帯員数構成...10
３ 用語の説明...11
Ⅲ 調査結果 ...13
１ 調査結果の分析...15
１−１ 近くにある金融機関 ...15
１−２ 現在利用している金融機関 ...16
１−３ 金融機関を選択する理由 ...25
１−４ 金融機関店舗、ＡＴＭ・ＣＤ（自動預払い機等）等の利用状況 ...29
１−５ コンビニＡＴＭの利用 ...35
１−６ 金融機関で行っている取引 ...38
１−７ 金融機関から教えてほしい情報 ...45
１−８ 料金の支払い方法 ...46
１−９ インターネットを使った金融取引 ...49
１− 10 ペイオフの解禁について ...58
（参考１） 過去調査設問との対照表 ...61
（参考２） 第 1 回〜第 7 回 調査設計 対照表 ...62
（参考３） 第 1 回〜第 7 回 集計項目一覧 ...63
２ 調査票及び単純集計結果 ...65
Ⅳ 集計表 ...81
Σ ޟ㊄Ⲣᯏ㑐↪ߦ㑐ߔࠆᗧ⼂⺞ᩏޠߦߟߡ
ᧄ⺞ᩏߪޔ㊄Ⲣౣ✬߇ㅴዷߔࠆ৻ᣇߢޔᖱႎㅢାᛛⴚߩㅴዷߦࠃࠆ࠴ࡖࡀ࡞ߩᄙ᭽ൻޔᬺᘒࠍ
߃ߚ㊄Ⲣᬺ⇇߳ߩෳߣߞߚേะߩਛޔᏪ߇㊄Ⲣᯏ㑐㊄Ⲣࠨࡆࠬࠍߤߩࠃ߁ߥ್ᢿၮ Ḱߢ↪ߒߡࠆߩ߆ޔ⁁ࠍࠄ߆ߦߔࠆߣߣ߽ߦޔᓟߩ࠾࠭ࠍᛠីߔࠆߎߣࠍ⋡⊛ߣߒ ߡࠆޕ
ᐔᚑరᐕᐲએ㒠 2ᐕߏߣߦታᣉߒߡ߅ࠅޔᐔᚑ13 ᐕᐲߪ╙7࿁⋡ߦߚࠆޕߥ߅ޔනりᏪ ߇ోᏪߩ4ಽߩ1એࠍභߡࠆߎߣࠍ⠨ᘦߒߡޔ࿁ߪᣂߚߦනりᏪࠍኻ⽎ߣߒߚ⺞ᩏ ࠍࠊߖߡⴕߞߡࠆޕ
⺞ᩏߩౝኈߪޔ⛮⛯ߒߡታᣉߒߡࠆ㗄⋡ߣߒߡޔ↪ߒߡࠆ㊄Ⲣᯏ㑐ߣߩขᒁᚻᲑ߿ㆬᛯ ℂ↱ߥߤޔㄭᐕߩ࠻ࡇ࠶ࠢࠬߣߒߡޔࠦࡦࡆ࠾ ATM ߿ࠗࡦ࠲ࡀ࠶࠻ࡃࡦࠠࡦࠣߩ↪⁁ᴫޔ ࡍࠗࠝࡈ⸃ߥߤߦߟߡ⺞ᩏߒߚޕਥߥ⺞ᩏ㗄⋡ߪએਅߩߣ߅ࠅޕ
㧨ਥߥ⺞ᩏ㗄⋡㧪
㧝 ㊄Ⲣᯏ㑐ߩ↪ߦߟߡ
↪ߒߡࠆ㊄Ⲣᯏ㑐
↪ߒߡࠆ㊄Ⲣᯏ㑐ߩㆬᛯℂ↱
ᐫ⥩ޔ㧭㨀㧹㧯㧰ߩ↪㗫ᐲ
㊄Ⲣᯏ㑐߆ࠄᢎ߃ߡ᰼ߒᖱႎ
㊄Ⲣᯏ㑐ߢⴕߞߡࠆขᒁ
ᢱ㊄╬ߩᡰᛄᣇᴺ
㧞 ࠦࡦࡆ࠾㧭㨀㧹ߩ↪ߦߟߡ
ࠦࡦࡆ࠾㧭㨀㧹↪⚻㛎ߩή
ࠦࡦࡆ࠾㧭㨀㧹↪ߩᗵᗐ
㧟 ࠗࡦ࠲ࡀ࠶࠻ࠍߞߚ㊄Ⲣขᒁߦߟߡ
ࠗࡦ࠲ࡀ࠶࠻ࡃࡦࠠࡦࠣߩ↪⚻㛎ߩή↪㗫ᐲ
ࠗࡦ࠲ࡀ࠶࠻ࡃࡦࠠࡦࠣߩ↪ᗧะ
ࠗࡦ࠲ࡀ࠶࠻ࡃࡦࠠࡦࠣ߳ߩ⠨߃ᣇ 㧠 ࡍࠗࠝࡈߩ⸃ߦߟߡ
ࡍࠗࠝࡈ⸃߳ߩ⼂
ࡍࠗࠝࡈ⸃ኻ╷
Σ Opinion Poll Concerning the Use of Financial Institutions (FY2001)
It is the objective of this survey to ascertain the current status as regards criteria applied by households in selection of financial institutions and services, as well as their future needs in this respect, amid the ongoing reorganization of the financial sector, diversification of channels along with the advances in telecommunications technology, and entry into the sector by other industries.
The Survey has been executed every two years since fiscal 1989, and the fiscal 2001 installment was therefore the seventh. Because single-occupant households now account for more than one-fourth of the total households, it was decided to conduct a separate survey of them this time.
The continuing survey items included the preferred means of transaction with financial institutions and reasons for their selection. The survey also polled households on additional recent topics such as use of ATMs in convenience stores(so-called ‘convenience-store ATMs’), Internet banking and the Removal of Blanket Deposit Insurance (so-called resumption of
‘pay-off’ scheme). The major survey items were as follows.
Major survey items
1. Utilization of financial institutions
* Financial institutions currently utilized
* Reasons for selection of the financial institutions
* Frequency of visits to branches and use of ATM/CD machines
* Information desired from financial institutions
* Type of transactions at financial institutions
* Mode of payment
2. Use of ATMs installed in convenience stores
* Whether or not the respondent had ever used convenience-store ATMs
* Opinions on use of convenience-store ATMs 3. Financial transactions through the Internet
* Whether or not the respondent had ever used Internet banking services and if so, the frequency of such banking transactions
* Inclination to do Internet banking
* Views on Internet banking
4. Removal of Blanket Deposit Insurance
* Perception of the Removal of Blanket Deposit Insurance
* Measures to cope with the Removal of Blanket Deposit Insurance
Ⅱ 調査概要
１ 調査概要 ... 7
１−１ 調査目的... 7
１−２ 調査設計... 7
１−３ ２人以上世帯 回収結果... 7
参考 層化二段無作為抽出法について... 8
２ 回答世帯の属性...10
２−１ 世帯主年齢構成...10
２−２ 世帯員数構成 ...10
３ 用語の説明... 11
㧝 ⺞ᩏⷐ
㧝㧙㧝 ⺞ᩏ⋡⊛
ᧄ⺞ᩏߪޔ㊄Ⲣౣ✬߇ㅴዷߔࠆ৻ᣇߢޔᖱႎㅢାᛛⴚߩㅴዷߦࠃࠆ࠴ࡖࡀ࡞ߩᄙ᭽ൻޔᬺᘒࠍ
߃ߚ㊄Ⲣᬺ⇇߳ߩෳߣߞߚേะߩਛޔኅ⸘߇㊄Ⲣᯏ㑐㊄Ⲣࠨࡆࠬࠍߤߩࠃ߁ߥ್ᢿၮ Ḱߢ↪ߒߡࠆߩ߆ޔ⁁ࠍࠄ߆ߦߔࠆߣߣ߽ߦޔᓟߩ࠾࠭ࠍᛠីߔࠆߎߣࠍ⋡⊛ߣߔ ࠆޕ
㧝㧙㧞 ⺞ᩏ⸳⸘
㧞ੱએߩ᥉ㅢᏪ නりᏪ
⺞ᩏኻ⽎ Ꮺਥ߇ ᱦએߢࠆᏪੱຬ
㧞ੱએߩᏪ
Ꮺਥ߇ ᱦએߢࠆනりᏪ
⺞ᩏၞ ో࿖ ㇺᐭ⋵ ਃᄢㇺᏒ㧔᧲੩ জޔฬฎደ জޔᄢ㒋 জ㧕
ᮡᧄᢙ 㧠㧘㧡㧜㧜㧔Ꮺ㧕 㧟㧜㧜㧔Ꮺ㧕
ᣇᴺ ጀൻੑᲑήὑᴺ
⺞ᩏᣇᴺ ⇐⟎⸥ଐ㗬ᴺ
⺞ᩏᤨᦼ ᐔᚑ ᐕ 㧣ᣣ㨪 ᣣ
⺞ᩏᯏ㑐 ␠࿅ᴺੱ ਛᄩ⺞ᩏ␠
࿁⚿ᨐ ࿁ᢙ㧔₸㧕㧟㧘㧟㧣㧣㧔㧣㧡㧚㧜㧑㧕 ࿁ᢙ 㧟㧜㧜
㧝㧙㧟 㧞ੱએᏪ ࿁⚿ᨐ
㧔නりᏪߪⷙቯᢙߦ㆐ߔࠆ߹ߢ⺞ᩏࠍⴕ߁ቢੌ⺞ᩏߩߚޔ࿁₸⸥タߥߒ㧕
ࠕ ല࿁ᢙ㧔₸㧕 㧟㧟㧣㧣Ꮺ㧔࿁₸㧣㧡㧚㧜㧑㧕
ࠗ ᧂ࿁ᮡᧄౝ⸶
ォዬ 㧟㧞 㐳ᦼਇ 㧝㧡 ৻ᤨਇ 㧞㧟㧣 ᚲਇ 㧞㧤 ⺞ᩏᜎุ 㧣㧡㧥 ߘߩઁ 㧡㧞㧔߁ߜ࿁╵ਇ 㧝㧤㧕
࠙ ㇷዪ▤ౝ࿁⁁ᴫ
ㇷዪ
ᮡᧄᢙ ࿁ᢙ ࿁₸㧔㧑㧕ർᶏ
᧲ ർ
㑐 ᧲
᧲ ੩
ା
ർ 㒽
᧲ ᶏ
ㄭ ⇰
ਛ ࿖
྾ ࿖
Ꮊ
ᴒ ✽
ว ⸘
㧨ෳ⠨ ጀൻੑᲑήὑᴺߦߟߡ㧪
ᧄ⺞ᩏߦ߅ߌࠆᮡᧄߩᣇᴺޟጀൻੑᲑήὑᴺޠߪߘࠇߙࠇએਅߩߣ߅ࠅޕ
㧔 ੱએᏪ㧕
ࠕ ో࿖ࠍฦᣇㇷዪߩࠛࠕߦ ጀߦಽߌࠆޕᣇዪߩࠛࠕߪᰴߩㅢࠅޕ
ർᶏ㧔ർᶏ㧕ޔ᧲ർ㧔㕍⋵ޔጤᚻ⋵ޔችၔ⋵ޔ⑺↰⋵ޔጊᒻ⋵ޔፉ⋵㧕ޔ㑐᧲㧔ၯ₹
⋵ޔජ⪲⋵ޔᄹᎹ⋵ޔ⨙ၔ⋵ޔᩔᧁ⋵ޔ⟲㚍⋵ޔጊ᪸⋵㧕ޔ᧲੩㧔᧲੩ㇺ㧕ޔା㧔ᣂẟ⋵ޔ 㐳㊁⋵㧕ޔർ㒽㧔ንጊ⋵ޔ⍹Ꮉ⋵ޔ⋵㧕ޔ᧲ᶏ㧔㕒ጟ⋵ޔጘ㒂⋵ޔᗲ⍮⋵ޔਃ㊀⋵㧕ޔㄭ⇰㧔ṑ
⾐⋵ޔ੩ㇺᐭޔᄢ㒋ᐭޔᐶ⋵ޔᄹ⦟⋵ޔጊ⋵㧕ޔਛ࿖㧔㠽ข⋵ޔፉᩮ⋵ޔጟጊ⋵ޔᐢፉ⋵ޔ ጊญ⋵㧕ޔ྾࿖㧔ᓼፉ⋵ޔ㚅Ꮉ⋵ޔᗲᇫ⋵ޔ㜞⍮⋵㧕ޔᎺ㧔ጟ⋵ޔ⾐⋵ޔ㐳ፒ⋵ޔᾢᧄ⋵ޔ ᄢಽ⋵ޔችፒ⋵ޔ㣮ఽፉ⋵㧕ޔᴒ✽㧔ᴒ✽⋵㧕
ࠗ ฦጀߩਛࠍੱญᢙ㧔࿖⺞ᩏߦၮߠߊ QT ᳃ߦၮߠߊ㧕ࠍࡌࠬߦᰴߩ㧡ጀߦಽߌࠆ ᜰቯㇺᏒ߮᧲੩․㧔ᧅᏻᏒޔบᏒޔජ⪲ᏒޔᎹፒᏒޔᮮᵿᏒޔฬฎደᏒޔ੩ㇺ
Ꮢޔᄢ㒋ᏒޔᚭᏒޔᐢፉᏒޔർᎺᏒޔጟᏒޔ᧲੩ 㧕 ੱญ ਁੱએߩᏒ㧔ᜰቯㇺᏒࠍ㒰ߊ㧕
ੱญ ਁੱએ ਁੱએਅߩᏒ ੱญ ਁੱᧂḩߩᏒ
↸
࠙ ฦጀߩᏪᢙߦᲧߒߡ ߩᮡᧄᢙࠍ㈩ಽߒޔ㧝ὐ Ꮺ⒟ᐲߦߥࠆࠃ߁ὐ㧔࿖
⺞ᩏ㧕ࠍޔኻ⽎Ꮺߪߘߩὐߩ᳃߆ࠄߔࠆޕ
㧔නりᏪ㧕
ࠕ ⺞ᩏၞࠍজߏߣߦޔ᧲੩ߢߪ㧠ጀޔฬฎደߢߪ㧞ጀޔᄢ㒋ߢߪ㧟ጀߦಽ
ࠗ ฦጀߩਛࠍੱญࡌࠬߦᰴߩ㧡ጀ㧔᧲੩ߢߪ᧲੩ㇷዪޔ㑐᧲ㇷዪߦ㧡ጀ㧕ߦಽ
᧲੩ㇺㇱ߮ᜰቯㇺᏒ
ੱญਁੱએߩᏒ㧔ᜰቯㇺᏒࠍ㒰ߊ㧕
ੱญ㧡ਁੱએߩᏒ
ੱญ㧡ਁੱᧂḩߩᏒ
↸
࠙ ࠕޔࠗߩฦጀߩᏪᢙߦᲧߐߖߡޔ᧲੩ߢߪ ޔฬฎደߢߪ ޔᄢ㒋ߢߪ ߩ
ᮡᧄᢙࠍ㈩ಽߒޔ㧝ὐ Ꮺߦߥࠆࠃ߁ߦὐ㧔࿖⺞ᩏ㧕ࠍޔኻ⽎Ꮺߪޔߘߩ
ὐߩ᳃߆ࠄߔࠆޕ
㧞 ࿁╵Ꮺߩዻᕈ
╙7࿁⺞ᩏߦ߅ߌࠆ࿁╵ᏪߩዻᕈಽᏓࠍޔᐔᚑ12ᐕ࿖⺞ᩏߣᲧߴߚߣߎࠈᄢ߈ߥࠅߪ ߥߣ⸒ߞߡࠃߊޔߨᲣ㓸࿅ࠍᤋߒߡࠆߣ⠨߃ࠄࠇࠆޕ
㧞㧙㧝 Ꮺਥᐕ㦂᭴ᚑ
䋼࿁╵Ꮺ䈮䈍䈔䉎Ꮺਥᐕ㦂㓏⚖ಽᏓ䋾
㪇 㪌 㪈㪇 㪈㪌 㪉㪇 㪉㪌 㪊㪇 㪊㪌 㪋㪇
Ꮺਥᐕ㦂㓏⚖
ഀ ว䕀 䋦䕁
㪉ੱએᏪ㩿ో࿖㪀 㩿㪥㪔㪊㪃㪊㪎㪎㪀
㪊㪅㪐㩷 㪈㪋㪅㪌㩷 㪈㪏㪅㪎㩷 㪉㪍㪅㪏㩷 㪉㪊㪅㪈㩷 㪈㪊㪅㪇㩷 㪉ੱએᏪ㩿ਃᄢㇺᏒ㪀
㩿㪥㪔㪈㪃㪈㪊㪈㪀
㪋㪅㪊㩷 㪈㪏㪅㪉㩷 㪈㪎㪅㪐㩷 㪉㪎㪅㪏㩷 㪉㪉㪅㪋㩷 㪐㪅㪌㩷 නりᏪ㩿ਃᄢㇺᏒ㪀
㩿㪥㪔㪊㪇㪇㪀
㪊㪋㪅㪎㩷 㪉㪉㪅㪎㩷 㪈㪇㪅㪊㩷 㪈㪊㪅㪊㩷 㪈㪈㪅㪊㩷 㪎㪅㪎㩷 㪓ෳ⠨㪈㪕ᐔᚑ㪈㪉ᐕ࿖⺞ᩏ 㪌㪅㪊㩷 㪈㪌㪅㪉㩷 㪈㪐㪅㪍㩷 㪉㪌㪅㪌㩷 㪈㪐㪅㪏㩷 㪈㪋㪅㪍㩷 㪓ෳ⠨㪉㪕ᐔᚑ㪈㪉ᐕ࿖⺞ᩏ
න⁛Ꮺ
㪊㪈㪅㪌㩷 㪈㪍㪅㪇㩷 㪈㪈㪅㪋㩷 㪈㪋㪅㪎㩷 㪈㪊㪅㪌㩷 㪈㪉㪅㪐㩷
㪉㪇ઍએਅ 㪊㪇ઍ 㪋㪇ઍ 㪌㪇ઍ 㪍㪇ઍ 㪎㪇ઍએ
(ޟᐔᚑ12ᐕ࿖⺞ᩏޠ╙13ࠃࠅౣ⸘▚) 㧞㧙㧞 Ꮺຬᢙ᭴ᚑ
䋼࿁╵Ꮺ䈮䈍䈔䉎ᏪੱຬಽᏓ䋾
㪇 㪌 㪈㪇 㪈㪌 㪉㪇 㪉㪌 㪊㪇 㪊㪌 㪋㪇
Ꮺੱຬ
ഀ ว䕀 䋦䕁
㪉ੱએᏪ㩿ో࿖㪀 㩿㪥㪔㪊㪃㪊㪎㪎㪀
㪉㪐㪅㪋㩷 㪉㪌㪅㪏㩷 㪉㪊㪅㪌㩷 㪈㪉㪅㪈㩷 㪐㪅㪈㩷 㪇㪅㪉㩷 㪓ෳ⠨㪕ᐔᚑ㪈㪉ᐕ࿖⺞ᩏ 㪊㪋㪅㪎㩷 㪉㪍㪅㪇㩷 㪉㪊㪅㪋㩷 㪐㪅㪋㩷 㪍㪅㪍㩷
㪉ੱ 㪊ੱ 㪋ੱ 㪌ੱ 㪍ੱએ ਇ
㧙
㧟 ↪⺆ߩ⺑
ᧄ⺞ᩏߦ߅ߌࠆ↪⺆ߦߟߡߪએਅߩߣ߅ࠅቯ⟵ߔࠆޕ
↪ ⺆ ⺑
㧞ੱએᏪ ዬߣ↢⸘ࠍߦߒߡࠆੱޘߩ㓸߹ࠅޕ㑆୫ࠅޔਅኋޔળ␠ߩኰߘߩઁ
ᣉ⸳╬ߩዬ⠪ߪ㒰ߊޕ
නりᏪ 㧝ੱߢ㧝ᚭࠍ᭴߃ߡࠆනり⠪ޕਅኋੱޔ㑆୫ࠅੱޔነኋ⥢╬ߢ㧝ੱࠄ ߒࠍߔࠆනり⠪ޔߘߩઁᣉ⸳╬ߩዬ⠪ߪ㒰ߊޕ
⇐⟎⸥ଐ㗬ᴺ ߐࠇߚ⺞ᩏኻ⽎Ꮺߦኻߒޔ⺞ᩏຬ߇⺞ᩏࠍᜬෳߒߡ⺞ᩏ㗄⋡╬ࠍ
⺑ߩޔ⸥ࠍଐ㗬ߒޔᢙᣣᓟޔ⺞ᩏຬ߇ౣ߮⸰ߒߡ⸥ᷣߺߩ⺞ᩏ
ࠍὐᬌ࿁ߔࠆޕ ᧂ࿁ᮡᧄౝ⸶
ォዬ 㐳ᦼਇ
৻ᤨਇ
ᚲਇ
⺞ᩏᜎุ
ߘߩઁ
ォዬޕ
ᣏⴕᏫ⋭ᒛ㒮ߥߤߢ⺞ᩏᦼ㑆ਛޔኅߦᏫࠄߥ߽ߩޕ
⺞ᩏᦼ㑆ਛޔోߊቛߒߡߥࠊߌߢߪߥ߇ޔធ⸅ߔࠆᯏળ߇ߤ߁ߒ ߡ߽ᓧࠄࠇߥ߽ߩޕ
ㄭᚲߩੱߦ⡞ߡ߽ޔតߒߡ߽ࠎߢߥߣ⏕ߢ߈ߚᤨޕ ᜎุޕ
∛᳇ߥߤޕ
Ꮺຬ Ꮺࠍ᭴ᚑߔࠆฦੱޕዬ߮↢⸘ࠍ㧟ࡩએߦߒߡࠆ⠪ࠍޔ නりછ╬㐳ᦼߦዬߒߡࠆ⠪ߪ㒰ߊޕᔅߕߒ߽ᚭ☋ߩኅᣖੱᢙࠍ ᗧߒߥޕ㧔Ꮺຬߣߺߥߐߥ㧦␠ળᣉ⸳ߦᚲߒߡࠆ⠪ޔන りછ⠪Ⓙ߉⠪߮㐳ᦼᶏᄖᒛ⠪ࠍޔㆆቇਛߩ⠪ޔዬਛߩ⠪ޔ
ߕߌߚ㉿ሶޔ⋙ਛߩ⠪㧕
Ꮺਥ Ꮺຬߩ߁ߜኅ⸘⾌ߦలߡࠆߚߩࠍᦨ߽ᄙߊᓧߡࠆ⠪ࠍޔᔅ ߕߒ߽᳃╬ߩ⊓㍳ߣว⥌ߒߥޕ߃߫ޔᄦ߇නりછਛߢ ࡩએ
ዬߒߡࠆ႐วߪޔᆄࠍᏪਥߣߺߥߒޔߘߩߪᄦ߆ࠄߩㅍࠅ ߢࠆߣߔࠆޕ
㈩⠪ ዯߩήࠍࠊߥޕߚߛߒޔᧄ⺞ᩏߪᏪࠍኻ⽎ߣߒߡࠆߩߢޔ
Ꮺຬߢߥ႐ว㧔ዬਛ╬㧕ߪ㒰ߊޕ
Ᏹൕ ᦼ㑆ࠍቯߕޔߪ৻ࡩࠍ߃ࠆᯏ㑐ࠍߡ㓹ࠊࠇߡࠆ⠪ߢޔ৻⥸
ߦޟᱜ␠ຬޠޟᱜ⡯ຬޠߥߤߣ߫ࠇߡࠆੱޕߚߛߒޔฬ⋡߇⥃ᤨߢ߽ޔ ೨ ࡩߩฦߦ߅ߡ ᣣએ㓹ࠊࠇߚ⠪ߪᏱൕߣߔࠆޕ
ࡄ࠻ࠕ࡞ࡃ
ࠗ࠻╬
৻ࡨᧂḩߩᄾ⚂ߢ㓹ࠊࠇߡࠆ⠪ߪޔޟབྷ⸤ޠޟࡄ࠻࠲ࠗࡑޠޟࠕ࡞
ࡃࠗ࠻ޠ߹ߚߪߘࠇߦㄭฬ⒓ߢ߫ࠇߡࠆ⠪ޕ
ዞᬺ ࠍ߁ࠍߔࠆߎߣߢޔࡄ࠻ޔࠕ࡞ࡃࠗ࠻ޔౝ⡯╬ࠍޕኅᣖ ᓥᬺ⠪ߩ႐วߪή⛎ߢߞߡ߽ዞᬺߒߡࠆߣߔࠆޕ
᳃㑆ડᬺߩᓥᬺ
ຬᢙ
ᐔᚑ ᐕ ᣣ㓹↪ߐࠇߡࠆࡄ࠻ࠕ࡞ࡃࠗ࠻ࠍ㒰ߊᓥᬺຬ
ᢙޕ
Ꮺోߩᐕ Ꮺోߩᐔᚑ㧝㧟ᐕ㧝ᐕ㑆ߩ㧔⒢ㄟߺ㧕ߢߞߡ㧘ቯᦼ㧘⾨ਈ
୫ ㌁ⴕ╬ߩ㊄Ⲣᯏ㑐߆ࠄߩ୫㊄ߩઁޔ⍮ੱ╬߆ࠄߩ୫㊄߮⾮ᐕ⾮
ߩᱷ㜞ߥߤ㊄Ⲣᯏ㑐ᄖ߆ࠄߩ୫㊄ߩว⸘ࠍ߁ޕኅ⸘ߦ㑐ߔࠆ⺞ᩏߥߩ ߢޔੱ༡ᬺᏪߥߤߦ߅ߌࠆᬺ↪ߩ⽶ௌߪߥޕ
ᢱ㊄╬ ᧄ⺞ᩏߢߪޔ㔚᳇᳓ࠟࠬ㔚ᢱ㊄ޔ0*- ฃାᢱޔ⒢㊄ࠍޟᢱ㊄
╬ޠߣߔࠆޕ
⾂⫾㗍㊄ㅢᏱ
⾂⫾⾂㊄
ᵹേᕈ㗍㊄㊄⥄↱ൻຠޕ㊄Ⲣᯏ㑐ߦࠃߞߡ⇣ߥࠆ߇ޔቯᦼ㗍㊄ߣ㆑ߞ ߡᒁ߈ߒ⥄↱ޔ᥉ㅢ㗍㊄ࠃࠅ₸߇㜞ޕ
Ⓧ┙ဳ៊ኂ㒾 Ἣἴ㒾ޔᷤᄖ㒾ߩ߁ߜޔḩᦼᤨߦḩᦼᚯ㊄߇ᡰᛄࠊࠇࠆ㐳ᦼ✚ว
㒾ޔⓍ┙↢ᵴ✚ว㒾╬ࠍޔដߌᝥߡߪ߹ߥޕ
ࠗࡦ࠲ࡀ࠶࠻
ࡃࡦࠠࡦࠣ
ᝄㄟᝄᦧᱷ㜞ᾖળߥߤ㌁ⴕߩߐ߹ߑ߹ߥᚻ⛯߈߇ޔࡄ࠰ࠦࡦ߿៤Ꮺ㔚
ࠍߞߡࠗࡦ࠲ࡀ࠶࠻ߢⴕ߃ࠆࠨࡆࠬޕ៤Ꮺ㔚ࠍ↪ߔࠆࠨ
ࡆࠬߪޟࡕࡃࠗ࡞ࡃࡦࠠࡦࠣޠߣߒߡߔࠆ႐ว߽ࠆ㧔ߚߛߒޔᧄ⺞
ᩏߢߪߒߥ㧕ޕᄛ㑆ߢ߽↪น⢻ߥ㊄Ⲣᯏ㑐߇ᄙߊ㧔㌁ⴕߦࠃߞߡߪ 㧞㧠ᤨ㑆㧟㧢㧡ᣣ㧕ޔޟߟߢ߽ߤߎߢ߽ޠ߇․ᓽޕ
ࡀ࠶࠻⸽ ࠗࡦ࠲ࡀ࠶࠻ߢ⸽ᄁ⾈ࠍⴕ߁ߎߣޕࠝࡦࠗࡦ࠻࠼ޕ㧔ޟࡀ࠶
࠻ߢࠨࡆࠬࠍឭଏߔࠆ⸽ળ␠ޠߩᗧ߽ࠆ߇ޔᧄ⺞ᩏߢߪࠨࡆ
ࠬߩߺࠍᜰߔޕ㧕
ࠗࡦ࠲ࡀ࠶࠻
ኾᬺ㌁ⴕ
ࠗࡦ࠲ࡀ࠶࠻ࠍ↪ߒߡ㌁ⴕߩ᭽ޘߥขᒁࠍឭଏߔࠆ㌁ⴕߢޔᡰᐫ✂ࠍ ᜬߚߥޕ
