{"id":231,"date":"2026-06-12T07:50:25","date_gmt":"2026-06-12T07:50:25","guid":{"rendered":"https:\/\/finency.com\/ja\/koteki-iryo-kougaku\/"},"modified":"2026-06-12T07:50:25","modified_gmt":"2026-06-12T07:50:25","slug":"koteki-iryo-kougaku","status":"publish","type":"post","link":"https:\/\/finency.com\/ja\/koteki-iryo-kougaku\/","title":{"rendered":"\u516c\u7684\u533b\u7642\u4fdd\u967a\u3068\u9ad8\u984d\u7642\u990a\u8cbb\u5236\u5ea6\u306e\u57fa\u672c"},"content":{"rendered":"<p>\u65e5\u672c\u3067\u306f\u3001\u75c5\u6c17\u3084\u30b1\u30ac\u3067\u533b\u7642\u6a5f\u95a2\u306b\u304b\u304b\u3063\u305f\u3068\u304d\u306e\u81ea\u5df1\u8ca0\u62c5\u304c\u539f\u52473\u5272\u3067\u6e08\u307f\u3001\u3055\u3089\u306b1\u304b\u6708\u306e\u533b\u7642\u8cbb\u304c\u9ad8\u984d\u306b\u306a\u3063\u3066\u3082<strong>\u9ad8\u984d\u7642\u990a\u8cbb\u5236\u5ea6<\/strong>\u306b\u3088\u3063\u3066\u81ea\u5df1\u8ca0\u62c5\u306b\u4e0a\u9650\u304c\u8a2d\u3051\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u306e2\u3064\u306e\u516c\u7684\u306a\u4ed5\u7d44\u307f\u3092\u7406\u89e3\u3057\u3066\u304a\u304f\u3068\u3001\u5fc5\u8981\u4ee5\u4e0a\u306b\u6c11\u9593\u306e\u533b\u7642\u4fdd\u967a\u306b\u983c\u3089\u305a\u306b\u6e08\u307f\u3001\u5bb6\u8a08\u306e\u5099\u3048\u65b9\u304c\u5927\u304d\u304f\u5909\u308f\u308a\u307e\u3059\u3002\u3053\u306e\u8a18\u4e8b\u3067\u306f\u516c\u7684\u533b\u7642\u4fdd\u967a\u306e\u57fa\u672c\u3068\u9ad8\u984d\u7642\u990a\u8cbb\u5236\u5ea6\u3092\u3084\u3055\u3057\u304f\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<p>\u300c\u5165\u9662\u3057\u305f\u3089\u6570\u5341\u4e07\u5186\u304b\u304b\u308b\u306e\u3067\u306f\u300d\u3068\u4e0d\u5b89\u306b\u306a\u308a\u304c\u3061\u3067\u3059\u304c\u3001\u5b9f\u969b\u306b\u306f\u516c\u7684\u4fdd\u967a\u3068\u9ad8\u984d\u7642\u990a\u8cbb\u5236\u5ea6\u304c\u533b\u7642\u8cbb\u8ca0\u62c5\u3092\u5927\u304d\u304f\u6291\u3048\u3066\u304f\u308c\u307e\u3059\u3002\u307e\u305a\u306f\u3053\u306e\u571f\u53f0\u3092\u77e5\u308b\u3053\u3068\u304c\u3001\u8ce2\u3044\u4fdd\u967a\u9078\u3073\u306e\u51fa\u767a\u70b9\u3067\u3059\u3002<\/p>\n<h2>\u516c\u7684\u533b\u7642\u4fdd\u967a\u306e\u81ea\u5df1\u8ca0\u62c5\u5272\u5408<\/h2>\n<p>\u65e5\u672c\u306f\u56fd\u6c11\u7686\u4fdd\u967a\u3067\u3001\u4f1a\u793e\u54e1\u306f\u5065\u5eb7\u4fdd\u967a\u3001\u81ea\u55b6\u696d\u8005\u306f\u56fd\u6c11\u5065\u5eb7\u4fdd\u967a\u300175\u6b73\u4ee5\u4e0a\u306f\u5f8c\u671f\u9ad8\u9f62\u8005\u533b\u7642\u5236\u5ea6\u306b\u52a0\u5165\u3057\u307e\u3059\u3002\u7a93\u53e3\u3067\u306e\u81ea\u5df1\u8ca0\u62c5\u5272\u5408\u306f\u5e74\u9f62\u3084\u6240\u5f97\u306b\u3088\u3063\u3066\u6b21\u306e\u3088\u3046\u306b\u5206\u304b\u308c\u307e\u3059\u3002<\/p>\n<ul>\n<li><strong>\u5c0f\u5b66\u751f\u301c69\u6b73<\/strong>\uff1a3\u5272<\/li>\n<li><strong>70\u301c74\u6b73<\/strong>\uff1a2\u5272\uff08\u73fe\u5f79\u4e26\u307f\u6240\u5f97\u8005\u306f3\u5272\uff09<\/li>\n<li><strong>75\u6b73\u4ee5\u4e0a<\/strong>\uff1a1\u5272\uff08\u4e00\u5b9a\u4ee5\u4e0a\u6240\u5f97\u306f2\u5272\u3001\u73fe\u5f79\u4e26\u307f\u306f3\u5272\uff09<\/li>\n<li><strong>\u5c0f\u5b66\u6821\u5c31\u5b66\u524d<\/strong>\uff1a2\u5272<\/li>\n<\/ul>\n<p>\u3064\u307e\u308a10\u4e07\u5186\u306e\u533b\u7642\u8cbb\u304c\u304b\u304b\u3063\u3066\u3082\u300169\u6b73\u4ee5\u4e0b\u306a\u3089\u7a93\u53e3\u8ca0\u62c5\u306f3\u4e07\u5186\u3067\u3059\u3002\u6b8b\u308a\u306e7\u5272\u306f\u52a0\u5165\u3057\u3066\u3044\u308b\u5065\u5eb7\u4fdd\u967a\u304c\u8ca0\u62c5\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<h2>\u9ad8\u984d\u7642\u990a\u8cbb\u5236\u5ea6\u306e\u4ed5\u7d44\u307f<\/h2>\n<p>\u9ad8\u984d\u7642\u990a\u8cbb\u5236\u5ea6\u306f\u3001\u540c\u3058\u6708\uff081\u65e5\u301c\u672b\u65e5\uff09\u306e\u533b\u7642\u8cbb\u306e\u81ea\u5df1\u8ca0\u62c5\u304c\u4e00\u5b9a\u306e\u4e0a\u9650\u3092\u8d85\u3048\u305f\u5834\u5408\u3001\u305d\u306e\u8d85\u3048\u305f\u5206\u304c\u5f8c\u304b\u3089\u6255\u3044\u623b\u3055\u308c\u308b\u5236\u5ea6\u3067\u3059\u3002\u4e0a\u9650\u984d\u306f\u5e74\u9f62\u3068\u6240\u5f97\u306b\u5fdc\u3058\u3066\u6c7a\u307e\u308a\u307e\u3059\u300269\u6b73\u4ee5\u4e0b\u3067\u5e74\u53ce\u304c\u304a\u304a\u3080\u306d370\u4e07\u5186\u301c770\u4e07\u5186\u306e\u4e00\u822c\u7684\u306a\u533a\u5206\u3067\u306f\u3001\u4e0a\u9650\u984d\u306f\u6b21\u306e\u5f0f\u3067\u8a08\u7b97\u3055\u308c\u307e\u3059\u3002<\/p>\n<div class=\"fp-callout fp-callout--info\">\u81ea\u5df1\u8ca0\u62c5\u4e0a\u9650\u984d\uff08\u5e74\u53ce\u7d04370\u301c770\u4e07\u5186\uff09\uff1d 80,100\u5186 \uff0b\uff08\u7dcf\u533b\u7642\u8cbb \u2212 267,000\u5186\uff09\u00d7 1\uff05\u3002\u305f\u3068\u3048\u3070\u7dcf\u533b\u7642\u8cbb\u304c100\u4e07\u5186\uff08\u7a93\u53e33\u5272\u306730\u4e07\u5186\uff09\u304b\u304b\u3063\u3066\u3082\u3001\u5b9f\u969b\u306e\u81ea\u5df1\u8ca0\u62c5\u306f\u7d0487,430\u5186\u3067\u6e08\u307f\u3001\u5dee\u984d\u306f\u6255\u3044\u623b\u3055\u308c\u307e\u3059\u3002<\/div>\n<table class=\"fp-table\">\n<thead>\n<tr>\n<th>\u6240\u5f97\u533a\u5206\uff0869\u6b73\u4ee5\u4e0b\uff09<\/th>\n<th>1\u304b\u6708\u306e\u81ea\u5df1\u8ca0\u62c5\u4e0a\u9650\uff08\u76ee\u5b89\uff09<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u5e74\u53ce\u7d041,160\u4e07\u5186\u301c<\/td>\n<td>252,600\u5186\uff0b\uff08\u7dcf\u533b\u7642\u8cbb\u2212842,000\u5186\uff09\u00d71\uff05<\/td>\n<\/tr>\n<tr>\n<td>\u5e74\u53ce\u7d04770\u301c1,160\u4e07\u5186<\/td>\n<td>167,400\u5186\uff0b\uff08\u7dcf\u533b\u7642\u8cbb\u2212558,000\u5186\uff09\u00d71\uff05<\/td>\n<\/tr>\n<tr>\n<td>\u5e74\u53ce\u7d04370\u301c770\u4e07\u5186<\/td>\n<td>80,100\u5186\uff0b\uff08\u7dcf\u533b\u7642\u8cbb\u2212267,000\u5186\uff09\u00d71\uff05<\/td>\n<\/tr>\n<tr>\n<td>\u5e74\u53ce\u7d04370\u4e07\u5186\u4ee5\u4e0b<\/td>\n<td>57,600\u5186<\/td>\n<\/tr>\n<tr>\n<td>\u4f4f\u6c11\u7a0e\u975e\u8ab2\u7a0e<\/td>\n<td>35,400\u5186<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u3055\u3089\u306b\u3001\u76f4\u8fd112\u304b\u6708\u30673\u56de\u4ee5\u4e0a\u9ad8\u984d\u7642\u990a\u8cbb\u306b\u8a72\u5f53\u3059\u308b\u3068\u30014\u56de\u76ee\u304b\u3089\u306f\u300c\u591a\u6570\u56de\u8a72\u5f53\u300d\u3068\u3057\u3066\u4e0a\u9650\u984d\u304c\u5f15\u304d\u4e0b\u3052\u3089\u308c\u307e\u3059\u3002\u9577\u671f\u306e\u6cbb\u7642\u3067\u3082\u8ca0\u62c5\u304c\u9752\u5929\u4e95\u306b\u306a\u3089\u306a\u3044\u3088\u3046\u914d\u616e\u3055\u308c\u305f\u4ed5\u7d44\u307f\u3067\u3059\u3002<\/p>\n<h2>\u9650\u5ea6\u984d\u9069\u7528\u8a8d\u5b9a\u8a3c\u3067\u7acb\u3066\u66ff\u3048\u4e0d\u8981\u306b<\/h2>\n<p>\u9ad8\u984d\u7642\u990a\u8cbb\u306f\u672c\u6765\u300c\u5f8c\u304b\u3089\u6255\u3044\u623b\u3057\u300d\u3067\u3059\u304c\u3001\u4e8b\u524d\u306b\u300c\u9650\u5ea6\u984d\u9069\u7528\u8a8d\u5b9a\u8a3c\u300d\u3092\u53d6\u5f97\u3057\u3066\u7a93\u53e3\u306b\u63d0\u793a\u3059\u308c\u3070\u3001\u306f\u3058\u3081\u304b\u3089\u4e0a\u9650\u984d\u307e\u3067\u306e\u652f\u6255\u3044\u3067\u6e08\u307f\u307e\u3059\u3002\u30de\u30a4\u30ca\u4fdd\u967a\u8a3c\u3092\u4f7f\u3048\u3070\u8a8d\u5b9a\u8a3c\u304c\u306a\u304f\u3066\u3082\u81ea\u52d5\u3067\u4e0a\u9650\u304c\u9069\u7528\u3055\u308c\u308b\u305f\u3081\u3001\u5165\u9662\u304c\u6c7a\u307e\u3063\u305f\u3089\u65e9\u3081\u306b\u624b\u7d9a\u304d\u3057\u3066\u304a\u304f\u3068\u5b89\u5fc3\u3067\u3059\u3002<\/p>\n<div class=\"fp-procons\">\n<div class=\"fp-pros\">\n<div class=\"fp-pros-title\">\u9ad8\u984d\u7642\u990a\u8cbb\u5236\u5ea6\u3067\u30ab\u30d0\u30fc\u3067\u304d\u308b\u3053\u3068<\/div>\n<ul>\n<li>\u6cbb\u7642\u8cbb\u30fb\u5165\u9662\u8cbb\u306a\u3069\u4fdd\u967a\u8a3a\u7642\u306e\u81ea\u5df1\u8ca0\u62c5\u306b\u4e0a\u9650\u304c\u3064\u304f<\/li>\n<li>\u6240\u5f97\u304c\u4f4e\u3044\u307b\u3069\u4e0a\u9650\u984d\u3082\u4f4e\u304f\u306a\u308b<\/li>\n<li>\u591a\u6570\u56de\u8a72\u5f53\u3067\u3055\u3089\u306b\u8ca0\u62c5\u304c\u8efd\u304f\u306a\u308b<\/li>\n<\/ul>\n<\/div>\n<div class=\"fp-cons\">\n<div class=\"fp-cons-title\">\u5bfe\u8c61\u5916\u3067\u81ea\u5df1\u8ca0\u62c5\u306b\u306a\u308b\u3082\u306e<\/div>\n<ul>\n<li>\u5165\u9662\u6642\u306e\u5dee\u984d\u30d9\u30c3\u30c9\u4ee3\uff08\u500b\u5ba4\u4ee3\uff09<\/li>\n<li>\u98df\u4e8b\u4ee3\u306e\u81ea\u5df1\u8ca0\u62c5\u5206<\/li>\n<li>\u5148\u9032\u533b\u7642\u306e\u6280\u8853\u6599\u3084\u81ea\u7531\u8a3a\u7642<\/li>\n<li>\u50cd\u3051\u306a\u3044\u9593\u306e\u53ce\u5165\u306e\u6e1b\u5c11<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<h2>\u6c11\u9593\u306e\u533b\u7642\u4fdd\u967a\u306f\u3069\u3046\u8003\u3048\u308b<\/h2>\n<p>\u9ad8\u984d\u7642\u990a\u8cbb\u5236\u5ea6\u304c\u3042\u308b\u305f\u3081\u3001\u4fdd\u967a\u8a3a\u7642\u306e\u81ea\u5df1\u8ca0\u62c5\u306f\u3042\u308b\u7a0b\u5ea6\u8aad\u3081\u308b\u91d1\u984d\u306b\u53ce\u307e\u308a\u307e\u3059\u3002\u3057\u305f\u304c\u3063\u3066\u6c11\u9593\u306e\u533b\u7642\u4fdd\u967a\u306f\u300c\u5236\u5ea6\u3067\u30ab\u30d0\u30fc\u3055\u308c\u306a\u3044\u90e8\u5206\u300d\u306b\u7d5e\u3063\u3066\u8003\u3048\u308b\u306e\u304c\u5408\u7406\u7684\u3067\u3059\u3002\u5177\u4f53\u7684\u306b\u306f\u5dee\u984d\u30d9\u30c3\u30c9\u4ee3\u3001\u5148\u9032\u533b\u7642\u3001\u305d\u3057\u3066\u50cd\u3051\u306a\u3044\u671f\u9593\u306e\u53ce\u5165\u6e1b\u306a\u3069\u3067\u3059\u3002\u5341\u5206\u306a\u8caf\u84c4\u304c\u3042\u308c\u3070\u3001\u533b\u7642\u4fdd\u967a\u3092\u30b7\u30f3\u30d7\u30eb\u306b\u3057\u305f\u308a\u4e0d\u8981\u3068\u5224\u65ad\u3057\u305f\u308a\u3059\u308b\u9078\u629e\u3082\u3042\u308a\u5f97\u307e\u3059\u3002<\/p>\n<p>\u533b\u7642\u4fdd\u967a\u305d\u306e\u3082\u306e\u306e\u8981\u5426\u306f<a href=\"\/ja\/minkan-iryo-need\/\">\u6c11\u9593\u306e\u533b\u7642\u4fdd\u967a\u306f\u672c\u5f53\u306b\u5fc5\u8981\u304b<\/a>\u3067\u3001\u53ce\u5165\u6e1b\u3078\u306e\u5099\u3048\u306f<a href=\"\/ja\/shugyo-funo\/\">\u5c31\u696d\u4e0d\u80fd\u4fdd\u967a<\/a>\u3067\u8a73\u3057\u304f\u6574\u7406\u3067\u304d\u307e\u3059\u3002\u306a\u304a\u9ad8\u984d\u7642\u990a\u8cbb\u5236\u5ea6\u306f\u6539\u6b63\u304c\u4e88\u5b9a\u3055\u308c\u3066\u304a\u308a\u3001\u4e0a\u9650\u984d\u306e\u898b\u76f4\u3057\u5185\u5bb9\u306f<a href=\"\/ja\/kougaku-2026\/\">2026\u5e74\u306e\u9ad8\u984d\u7642\u990a\u8cbb\u5236\u5ea6\u306e\u6539\u6b63\u30dd\u30a4\u30f3\u30c8<\/a>\u3067\u78ba\u8a8d\u3057\u3066\u304f\u3060\u3055\u3044\u3002\u52a0\u5165\u3057\u305f\u4fdd\u967a\u306f<a href=\"\/ja\/seimei-hokenryo-koujo\/\">\u751f\u547d\u4fdd\u967a\u6599\u63a7\u9664<\/a>\u306e\u5bfe\u8c61\u306b\u306a\u308a\u307e\u3059\u3002\u4fdd\u967a\u5168\u822c\u306f<a 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