CSR Report 2017

237

Transcript of CSR Report 2017

CSR Report 2017INDEXCSR in the MS&AD Insurance Group

Message from the PresidentPriority Issues (Pillars of CSR Initiatives) and Story of Value CreationCommunication with StakeholdersTargets and ResultsParticipation to Initiatives and External Evaluation

Approaches to the Environment

Respect for Human Rights

Policies and Management Systems Related to Environmental and Social Contribution ActivitiesReduction of Environmental ImpactPreservation of Biodiversity

Approaches to Local and International Communities

Contribution to Local and International CommunitiesSocial Contribution in the Field of Sports, Culture and Education

Data/Reference Material

Third-Party Assurance

Corporate Governance

Outline of the GroupCorporate GovernanceComplianceRisk ManagementInformation Disclosure

Accident Prevention, Disaster Prevention and MitigationResponse to Climate ChangeResponse to Aging SocietyDevelopment of Local CommunitiesPracticing Responsible Investment to Contribute to Resolving Social Issues

Leveraging Stakeholders’ Voices to Improve QualityDevelopment and Improvement of Products and Services from Stakeholders’ PerspectiveUpgrading Customers’ Ease of Understanding and ConveniencePayment of insurance claim service preferable to customersGrowth with Our Agents

P.2 P.163

P.28

Contributing to Resolution of Social Issues through the Business

P.91

Enhancing the Quality of Products and Services

P.132

P.175

MS&AD Insurance Group Basic Policy on Human RightsApproaches to Respecting Human Rights

Human Asset DevelopmentPromotion of DiversityHealth Management

P.193

P.199

P.220

P.231

Third-Party OpinionP.235

Promoting Diversity in Human Assets and Health Management

1

ここ

CSR in the MS&AD Insurance Group

2

�1�),6&$/������7+(5(�:(5(�0$1<�1$785$/�',6$67(56��68&+�$6�($57+48$.(6�

7<3+2216��$1'�)/22'6�,1�7+(�:25/'��/62��0$1<�&28175,(6�+$9(�81'(5*21(

0$-25�&+$1*(6�:25/'�:,'(�%$6,6�"(�$5(�5(48,5('�72�352037/<�5($&7�$1'

5(6321'�72�9$5,286�62&,$/�,668(6�:+(1(9(5�7+(<�$5,6(�,1�7+(�'<1$0,&�*/2%$/

6,78$7,21

�85�0,66,21�,6��72�&2175,%87(�72�7+(�'(9(/230(17�2)�$�9,%5$17�62&,(7<�$1'

+(/3�6(&85(�$�6281'�)8785(�)25�7+(�($57+��%<�%5,1*,1*�6(&85,7<�$1'�6$)(7<

7+528*+�7+(�*/2%$/�,1685$1&(�$1'�),1$1&,$/�6(59,&(6�%86,1(66���7�,6�285

35,25,7<�52/(�72�&217,18286/<�3529,'(�9$/8(�72�285�67$.(+2/'(56�"(�6833257

67$%/(�/,)(�$1'�$&7,9(�%86,1(66�$&7,9,7,(6�%<�,'(17,)<,1*�9$5,286�5,6.6

67(00,1*�)520�62&,$/�,668(6�:+,&+�&28/'�+$03(5�285�$,0��35(9(17,1*�5,6.6

%(,1*�5($/,=('��$1'�35(3$5,1*�)25�327(17,$/�(0(5*(1&,(6��7�,6�7+(������>6

�725<�2)�!$/8(��5($7,21�72�3529,'(�9$/8(�72�&86720(56�7+528*+�68&+

6833257�"(�0867�.((3�21�&+$//(1*,1*�(0(5*,1*�5,6.6�:,7+�&$3785,1*�62&,$/�&+$1*(6��5(63216,9(1(66�72�62&,$/�1(('6�$1'

)2&86,1*�21�+2:�:(�&$1�%(�2)�$66,67$1&(

�1�285�����352*5$0��:(�+$9(�&(17(5('�21�7:2�3,//$56�������$51,1*�75867�7+528*+�7+(�,03529(0(17�2)�352'8&7�$1'�6(59,&(

48$/,7<���1+$1&,1*�7+(�48$/,7<�2)�352'8&76�$1'�6(59,&(6��$1'������2175,%87,1*�72�7+(�5(62/87,21�2)�62&,$/�,668(6�7+528*+�7+(

,03529(0(17�2)�352'8&7�$1'�6(59,&(�48$/,7<���2175,%87,1*�72�5(62/87,21�2)�62&,$/�,668(6�7+528*+�7+(�%86,1(66���%$6('�21

7+(��5283>6�%$6,&�675$7(*,(6�$57,&8/$7('�,1�285�0(',80�7(50�0$1$*(0(17�3/$1����(;7��+$//(1*(����?�"(�+$9(�)2&86('

21�0$7(5,$/�,668(6�7+$7�'5$:�*5($7(5�$77(17,21�)520�67$.(+2/'(56�$1'�7+$7�$5(�&/26(/<�5(/$7('�72�7+(��������1685$1&(

�5283�6�%86,1(66�,1�/,*+7�2)�7+(��867$,1$%/(��(9(/230(17��2$/6�����6��$'237('�$7�7+(� ���867$,1$%/(��(9(/230(17

�800,7��� �$1'�7+(�5(&(17�&+$1*(6�,1�%86,1(66�(19,5210(17

�+(5(�$5(�9$5,286�62&,$/�,668(6�7+$7�326(�5,6.6�72�3(23/(�6�/,9(6�$1'�&25325$7(�%86,1(66��(:�5,6.6�$5(�(0(5*,1*�$/21*

:,7+�7+(�7(&+12/2*,&$/�$'9$1&(0(17�$1'�6(5,286�1$785$/�',6$67(56�&$86('�%<�(;75(0(�:($7+(5�$5(�,1&5($6,1*��1�$'',7,21�

7+(�$*,1*�62&,(7<�3/$&,1*�025(�35(6685(�21�1856,1*�$1'�0(',&$/�&$5(�+$6�0$'(�+($/7+<�$*,1*�$�62&,$/�,668(��+(������

�1685$1&(��5283��:,7+�7+(�$,0�72�&2175,%87(�72�5(62/87,21�2)�62&,$/�,668(6��,'(17,),(6�9$5,286�5,6.6�$1'�3529,'(6�,1)250$7,21

21�5,6.6�%()25(+$1'��'5$:6�83�35(9(17$7,9(�0($685(6��$1'�3529,'(6�5,6.�0,7,*$7,21�62/87,216�)25�7+(�67$.(+2/'(56�:+(1

7+(�5,6.6�%(&20(�5($/

�1�),6&$/������$6�$&&,'(17�35(9(17,21�$1'�0($685(6�$*$,167�1$785$/�',6$67(56�$662&,$7('�:,7+�&/,0$7(�&+$1*(��:(

352027('�285�,1,7,$7,9(6�68&+�$6�1(:�7(&+12/2*<�5(6($5&+�72:$5'�$&&,'(17�)5((�62&,(7<��3529,6,21�2)�352'8&76�87,/,=,1*

7(/(0$7,&6�7(&+12/2*<�$1'�%,*�'$7$��$1'�',6$67(5�35(9(17,21�$1'�0,7,*$7,21�7+528*+�5,6.�$1$/<6,6�%$6('�21�7+(�/$7(67�)/22'

'$0$*(�35(',&7,21�02'(/�"(�+$9(�$/62�0$'(�352*5(66(6�,1�7+(�6833257�)25�+($/7+�0$1$*(0(17�$1'�3267�5(7,5(0(17

/,)(67</(6�7+$7�$5(�'5$:,1*�*5($7(5�$77(17,21�$6�7+(�$*,1*�62&,(7<�$'9$1&(6��(9(5$*,1*�7+(�',9(56,7<��7+(��5283>6�675(1*7+�

68&+�$6�60$573+21(�$33/,&$7,216�2)�+($/7+�0$1$*(0(17�$1'�352'8&76�7+$7�0((7�7+(�$*,1*�3238/$7,21>6�1(('6��:(�)2&86('

21�7+(�'(9(/230(17�$1'�3529,6,21�2)�352'8&76�$1'�6(59,&(6�7+$7�62&,(7<�1(('6�"(�/,67(1�72�7+(�67$.(+2/'(56>�92,&(6�:,7+

23(1�0,1'�$1'�&217,18(�72�,03529(�$1'�(1+$1&(�352'8&7�48$/,7<�72�&2175,%87(�72�62/9(�$6�0$1<�62&,$/�,668(6�$6�3266,%/(

ここ

CSR in the MS&AD Insurance Group > Message from the President

3

"(�.12:�7+$7�7+(�,1&5($6,1*�180%(5�2)�,19(67256�3$<�$77(17,21�72�����)$&7256�,1�5(&(17�<($56��$1'�7+$7�0($16�285

5(63216,9(1(66�72�(19,5210(17$/��62&,$/��$1'�*29(51$1&(�,668(6�$5(�(9$/8$7('��,9(1�7+(�*52:,1*�81&(57$,17<�2)�62&,(7<�

21/<�7+(�&203$1,(6�:,7+�+,*+�$:$5(1(66�21�7+(�&+$1*(�,1�(19,5210(176�7+$7�6855281'�7+(�%86,1(66(6�$1'�62&,$/�,668(6

:,//�+$9(�&$3$%,/,7,(6�72�35(',&7�$1'�'($/�:,7+�5,6.6�,1�$'9$1&(��$1'�7$.(�1(:�%86,1(66�23325781,7,(6��+,6�6+28/'�$/62�%(

,19(6725�6�9,(:�32,17�,1�(9$/8$7,1*�&25325$7(�*52:7+�&$3$%,/,7<��(63216,9(1(66�72�&+$1*(6�%<�',9(56(�3(56211(/�,6�7+(

6285&(�2)�285�675(1*7+�"(�:,//�386+�)25:$5'�:,7+�7+(�:25.�67</(�5()250�62�7+$7�7+(�',9(56(�+80$1�$66(76�&$1�0$;,0,=(

7+(,5�327(17,$/�$7�:25.�:+,/(�&2175,%87,1*�72�7+(�)250$7,21�2)�$�6867$,1$%/(�62&,(7<�%<�'(9(/23,1*�$1'�3529,',1*�352'8&76

$1'�6(59,&(6�7+$7�0((7�7+(�62&,$/�1(('6

�(37(0%(5����

�5(6,'(17�������

#$68<26+,��$5$6$:$

ここ

CSR in the MS&AD Insurance Group > Message from the President

4

!-*�� �����2796&2(*��6394��.2�8-*�*:*6�(-&2,.2,�,03'&0�*2:.6321*28��463:.)*7�;360);.)*�73098.327�83�.779*7�(&97*)�'=

,63;.2,�92(*68&.28.*7�.2�8-*�73(.*8=�#*�&.1�83�(328.29&00=�*:30:*�;-.0*�1&.28&.2.2,�-.,-�59&0.8=�.2�8-.7�(36436&8*�&(8.:.8=

&2)�4*61&2*280=�463:.)*�8-*�(36436&8*�:&09*�83�396�78&/*-30)*67

!!--**���� ����������22779966&&22((**����66339944��77����..7777..3322����""..77..3322������""&&0099**

!-*�� �����2796&2(*��6394�-&7�7*8��.77.32��".7.32�&2)�"&09*�.2�36)*6�83�(0&6.+=�-3;�8-*��6394�7-390)�'*�#*�&6*�&.1.2,

+36�7978&.2&'0*�*2-&2(*1*28�3+�8-*�(36436&8*�:&09*�8-639,-�&(-.*:*1*28�3+�396�1.77.32��:.7.32�&2)�:&09*7

��**667744**((88..::**��33++���� ������22..88..&&88..::**77

#*�-&:*�*78&'0.7-*)�A�*674*(8.:*�3+�� ���2.8.&8.:*�3+�8-*�� �����2796&2(*��6394B�.2�36)*6�83�6*&0.>*��96��.77.32

ここ

CSR in the MS&AD Insurance Group > Priority Issues (Pillars of CSR Initiatives) and Story of Value Creation

5

��--&&22,,**77��..22����0033''&&00����22::..66332211**2288��&&22))����**7744332277**��8833����--&&22,,**77

!-*�� �����2796&2(*��6394�-&7�7*8�46.36.8=�.779*7�.2�� ��.2.8.&8.:*7�8-&8�7-390)�'*�&))6*77*)��'&7*)�32�396�1*).91�

8*61�1&2&,*1*28�40&2����*<8��-&00*2,*� ������8-&8�(311*2(*)�.2��46.0� ���

#*�-&:*�7*8�8;3�4.00&67�&7�46.36.8=�.779*7�83�'*�;36/*)�32�83�6*730:*�73(.&0�.779*7�&2)�83�.1463:*�(36436&8*�:&09*7

#.8-.2�8-*�4.00&67��;*�-&:*�46.36.8.>*)�8-*�.2.8.&8.:*7�8-&8�;*�(327.)*6�83�'*�-.,-0=�1&8*6.&0��2� �����8-*6*�;&7�,6*&8�(-&2,*

.2�463,6*77�.2�&):&2(*)�8*(-2303,.*7�&2)�8-*�78&8*�3+�8-*�;360)

!-*��6394�(3278&280=�6*:.*;7�8-*�.14&(8�3+�8-*�6.7/7�&2)�34436892.8.*7�&2)�789).*7�8-*�)*:*0341*28�3+�&�'97.2*77�13)*0

.2�6*74327*�83�79(-�(-&2,*7

��9966����66..3366..88==����777799**77������..0000&&6677��33++���� ������22..88..&&88..::**77����&&22))��88--**����332277..))**66&&88..3322����6633((**7777��++3366����66..3366..88==����777799**77

��9966����9977..22**7777**77����((88..::..88..**77

!-*��6394�'97.2*77�1&2&,*7�6.7/7�(3146*-*27.:*0=��.)*28.+.(&8.32�3+�6.7/7��463:.7.32�3+�8-*�.2+361&8.32��46*(&98.32&6=

1*&796*7�&2)�(314*27&8.32�+36�)&1&,*7�.+�.8�)3*7�3((96�83�396�78&/*-30)*67�#*�+3(97�396�*++3687�32�*&60=�.)*28.+.(&8.32

&2)�463:.7.32�3+�4634*6�1&2&,*1*28�1*&796*7�&,&.278�6.7/7�8-&8�8-6*&8*2�&�7978&.2&'0*�73(.*8=�83�&(-.*:*�396�1.77.32

A83�(3286.'98*�83�8-*�)*:*0341*28�3+�&�:.'6&28�73(.*8=�&2)�-*04�&�7392)�+9896*�+36�8-*�*&68-B

#*�(3278&280=�.140*1*28�396�.2.8.&8.:*7�8-639,-�'97.2*77�&(8.:.8.*7��83�*2-&2(*�:&09*�83�78&/*-30)*67

ここ

CSR in the MS&AD Insurance Group > Priority Issues (Pillars of CSR Initiatives) and Story of Value Creation

6

!!--**����**))..9911��88**6611����&&22&&,,**11**2288����00&&22��&&22))��339966����66..3366..88==����777799**77������..0000&&6677��33++���� ������22..88..&&88..::**77��

�6.36.8=�.779*7�.2�� ��.2.8.&8.:*7�3+�8-*�� �����2796&2(*��6394�&6*�92.+.*)�;.8-�8-*�1*).91�8*61�1&2&,*1*28�40&2

��*<8��-&00*2,*� �����!-*�(36436&8*�:&09*�'&7*)�32�&�).:*67.8=�36.*28*)�'97.2*77�13)*0�(&2�'*�463:.)*)�8-639,-�396

(328.29397�*++3687�83�.1463:*�8-*�463)9(8�59&0.8=�&2)�6*&0.>*)�'=�(36436&8*�(90896*�&2)�-91&2�&77*8

ここ

CSR in the MS&AD Insurance Group > Priority Issues (Pillars of CSR Initiatives) and Story of Value Creation

7

!!--**����332277..))**66&&88..3322����6633((**7777��++3366����66..3366..88==����777799**77������..0000&&6677��33++���� ������22..88..&&88..::**77��

�6.36.8.>&8.32�'&7*)�32�.28*62&8.32&0�,9.)*0.2*7��.2(09).2,�� �� ������&6*�8-37*�3+�,6*&8�.14368&2(*�+36�'38-�78&/*-30)*67

&2)�+36�8-*�� �����6394@7�'97.2*77�&132,�1&8*6.&0�.779*7�3+�'38-�7.)*7

$$ !!��������%%�� 88&&//**--3300))**66����2288**66**7788

#*�(0&77.+.*)�-.,-�46.36.8.*7�.2�;-.(-�7*:*2�78&/*-30)*67��(97831*67��7-&6*-30)*67��'97.2*77�4&682*67��8-*�*2:.6321*28�

&,*287��*1403=**7��&2)�03(&0�(31192.8.*7��.28*62&8.32&0�73(.*8=��-&:*�-.,-�.28*6*78

�&7*)�32�.28*62&8.32&0�,9.)*0.2*7�8-&8�.2).(&8*�*<4*(8*)�630*7�3+�(314&2.*7��� �� ������ ��7�������*8(����34.2.327�&2)

6*59*787�6*(*.:*)�8-639,-�59*78.322&.6*7�83�78&/*-30)*67��;*�(0&77.+.*)�46.36.8=�.779*7�'=�8-*�)*,6**�3+�.28*6*78�.2�396

'97.2*77*7

$$ !!������ %%����1144336688&&22((**��++3366��88--**���� ����������22779966&&22((**����66339944

#*�&2&0=>*)�&2)�&77*77*)�8-*�.14368&2(*�+36�396�'97.2*77�.2�0.,-8�3+�1*).91�8*61�1&2&,*1*28�40&2���*<8��-&00*2,*

�����.779*7��(0.1&8*�(-&2,*��78&/*-30)*6�34.2.327��&2)�8-*�.2+09*2(*�3+�396�.2.8.&8.:*7�32�8-*��(3231=������ 3(.*8=�� ��

&2)��3:*62&2(*����

ここ

CSR in the MS&AD Insurance Group > Priority Issues (Pillars of CSR Initiatives) and Story of Value Creation

8

$$ !!��������%%����))**2288..++==..22,,����66..3366..88==����777799**77

!-*�� �����2796&2(*��6394�40388*)�1&8*6.&0�.779*7�+36�8-*�(314&2=�&2)�78&/*-30)*67��&2)�.)*28.+.*)�46.36.8=�.779*7�+36

396�.2.8.&8.:*7�#*�.)*28.+.*)�8;3�4.00&67�&7�1&8*6.&0�.779*7��4.00&67�3+�8-*�.2.8.&8.:*7���;-.(-�6*46*7*28�396�8&6,*87�8-&8�;*

(327.78*280=�463:.)*�-.,-�59&0.8=�463)9(87�&2)�7*6:.(*7�83�730:*�+396�73(.&0�.779*7�#*�;.00�*2-&2(*�(36436&8*�:&09*�'=

+3(97.2,�32�8-*7*�.2.8.&8.:*7

ここ

CSR in the MS&AD Insurance Group > Priority Issues (Pillars of CSR Initiatives) and Story of Value Creation

9

!!--**����**))..9911��88**6611����&&22&&,,**11**2288����00&&22��&&22))��339966����66..3366..88==����777799**77������..0000&&6677��33++���� ������22..88..&&88..::**77��

#*�;.00�+3(97�32�8-*�.)*28.+.*)�1&8*6.&0�.779*7��4.00&67�3+�8-*�.2.8.&8.:*7��.2�36)*6�83�6*&0.>*�:&09*�(6*&8.32�8-639,-�'97.2*77

&(8.:.8.*7

!-*�� �����2796&2(*��6394?7� 836=�3+�"&09*��6*&8.32

!-*��9&28.8&8.:*��:&09&8.32�3+� 3(.&0��*2*+.8�8-639,-� 836=�3+�"&09*��6*&8.32

��6633113388..3322�� ==7788**11��33++���� ��

!-*�� �����2796&2(*��6394�-&7�7*8�94�&�74*(.+.(�)*4&681*28���36436&8*� 3(.&0��*74327.'.0.8=� *(8.32���36436&8*

�0&22.2,��*48��.2�.87�-30).2,�(314&2=�+36�8-*�463138.32�3+�� ��&(8.:.8.*7�8-639,-398�8-*�*28.6*��6394�&2)�+36�7944368.2,

.2).:.)9&0�� ��&(8.:.8.*7�3+�*&(-�)31*78.(��6394�.2796&2(*�(314&2=�#*�*2-&2(*)�8-*�3:*6&00�� ��+92(8.32�'=

.28*,6&8.2,�8-*�� ��+92(8.327�3+�8;3�(36*�'97.2*77�(314&2.*7��� ��&2)������.2� ����&2)�3+�8-6**�(314&2.*7��.879.

�.6*(8��*2*6&0��� ���.3.��.+*��&2)�� ���6.1&6=��.+*��.2� ����.283�8-*��36436&8*� 3(.&0��*74327.'.0.8=� *(8.32�3+�8-*

-30).2,�(314&2=��2�&)).8.32��;*�-&:*�*78&'0.7-*)�� ���311.88**�&2)�).7(977�1&88*67�.2(09).2,�8-*��6394@7�� �

.2.8.&8.:*7�83�7-&6*�.2+361&8.32�32�,03'&0�86*2)7�&2)�*2:.6321*28&0�(-&2,*7�6*,&6).2,�� ��&2)�*2-&2(*�396�92)*678&2).2,

�&88*67�).7(977*)�'=�� ���311.88**�&6*�6*4368*)�83�8-*��3&6)�3+��.6*(8367�&2)�&8�8-*��6394@7�1&2&,*1*28�1**8.2,7

ここ

CSR in the MS&AD Insurance Group > Priority Issues (Pillars of CSR Initiatives) and Story of Value Creation

10

����������������,,$$����%%!!##**��!!����������&&������##����%%��!!

-�! %#��&%��%!�%����'��!"�� %�!�������#� %��!���%*�� �� ��"����&#�����!& ���&%&#���!#�%����#%�.

���������� $&#� ����#!&"�(�$��!#����(�%��%�#����#!&"$�!��� $&#� ����!�"� ��$���� ��� %��#�%���(�%��!&#���$$�! �-%!

�! %#��&%��%!�%�����'��!"�� %�!����'��#� %�$!���%*�� �����"�$��&#��%���$!& ���&%&#���!#�%�����#%����*��#� �� ��$��&#�%*�� �

$���%*�%�#!&���%�����!����� $&#� ���� ���� � �����$�#'���$��&$� �$$�.

�!��&������!&#�����%!��! %#��&%��%!�-%�����'��!"�� %�!����'��#� %�$!���%*�� �����"�$��&#��%���$!& ���&%&#���!#�%�����#%��.�(�

����%!��"#!�"%�*���� %��*�'�#�!&$�#�$�$�$%���� ���#!��$!������$$&�$�(������!&������"�#�!&#������"#!'����� �!#��%�! �! �%��$�

#�$�$��"#�'� %�#�$�$��#!����� ��#����+����#��&���%�����"��%�!��%��$��#�$�$��� ���%�#!&���"#!'��� ����'�#��%*�!��"#!�&�%$�� �

$�#'���$�%!�#��&���%�����! !�����&#�� �(�� �%��$��#�$�$����!���#�����"#�"�#��� �� '�#! �� %�� �(������&$%!��#$��#!& �

%�����!����(�!���������!#%$�%!����#�$$�� ��!'�#�!���'�#�!&$������� ��$���� �$��&#��*���'��� ���! �&�%��&$� �$$�����%��$�!&#

$%!#*�!��'��&���#��%�! �

���������� $&#� ����#!&"��%!��%��#�(�%���%$�$%����!���#$��(�����! %� &��%!�$����$&$%�� ������#!(%��� ��%!�� �� ��

� %�#"#�$��'��&���� ���%�#!&����#��%� ����(!#�������� ��� $&#� ���� ���� � �����$�#'���$��#!&"��(��(����"&#$&��'��&���#��%�!

�#!& ��%�����!���

ここ

CSR in the MS&AD Insurance Group > Priority Issues (Pillars of CSR Initiatives) and Story of Value Creation > The MS&AD’s Story of Value Creation

11

ここ

CSR in the MS&AD Insurance Group > Priority Issues (Pillars of CSR Initiatives) and Story of Value Creation > The MS&AD’s Story of Value Creation

12

MS&AD Group

Employment Effect in Value Chain Direct employment:301.5 billion JPY Indirect employment:416.1 billion JPY(Agencies) ①

Contribution to Society through Tax Payment

Risk Reduction:accident prevention

Car accidents reduced by ‘Suma Navi’ ②: 0.123 billion JPY

Total insurance paid: 2 trillion 162.7 billion JPY:

Mitigation of burden caused by incidents : insurance payment

Reduced paper use ③ :0.075 billion JPY Reduced CO2 emission④ :0.237 billion JPY

Reduced environmental impact (burden) by Eco-Business Processes/Eco-Repairing of automobiles

Paper use :1.228 billion JPY Water use :0.529 billion JPY ⑤ CO2 emission:0.566 billion JPY

Environmental Impact

Income & other taxes paid:70.9 billion JPY

Negative

Positive

Social Impacts Generated through Business Activities by MS & AD Insurance Group(Converted to Financial Value) June, 2017

13

<Employment Effect> ①Indirect employment:MS & AD Insurance Group establishes business model of insurance sales through agencies. This value chainsystem contributes to increasing employment at each agency.●commissions and other payments to agencies(Source: Financial Statement of MS&AD Insurance Group)●average ratio of personnel expenses of agencies (Source: Data of Mitsui Sumitomo Insurance)

<Risk Reduction:accident prevention> ②Car accidents reduced by ‘Suma Navi’ :Mitsui Sumitomo Insurance provides fleet customers* with ‘Suma Navi ’ , free servicedeveloped for safety driving by adopting telematics technology, contributing to reduction of car accidents. *Fleet:Insured companieswhich own or use 10 or more automobiles ●Changes in the number of accidents among customers using ‘Suma Navi’ (Source: Data of Mitsui Sumitomo Insurance)●Damages of traffic accident in economic (physical) value and the number of traffic accidents

(Source: Data of Marine and Fire Insurance Association of Japan/ National Police Agency)

<Reduced Environmental Impact (Burden) by Eco-Business Processes/Eco-Repairing of automobiles> ③ Reduced paper use by Eco-Insurance:Mitsui Sumitomo Insurance and Aioi Nissay Dowa Insurance introduce Web Policy Clause andEco-insurance Certificate to reduce paper use through the insurance transaction.●Ratio of customers’ selecting Web Policy Clause and Eco-insurance Certificate, and reduced amount of paper per transaction(Source: Data of Mitsui Sumitomo

Insurance and Aioi Nissay Dowa Insurance) ●Calculation base: 30 tree planting per metric ton paper use, 860 tree planting per 1 ha●Ratio of chips for paper production (Data of Japan Papermaking Association), and financial value of forests’ Ecosystem Services(TEEB report)

④ Reduced CO2 emission by Eco-repairing:Mitsui Sumitomo Insurance and Aioi Nissay Dowa Insurance facilitate use of recycledparts for repairing automobiles damaged in traffic accidents, contributing to reduction of resource use and CO2 emission.●Reduced amount of CO2 emission by using recycled parts(Calculated based on data of Marine and Fire Insurance Association of Japan)●Global social carbon costs per metric ton CO2 emission(Year 2020/3% discount rate)(Source: Interagency Working Group on Social Cost of GHG, The U.S.)

<Environmental Impact (burden)> ⑤ Water use

●Unit price (per metric ton) of shadow water in Japan(Source: NCFA/GIZ/VfU Water Scarcity Valuation Tool)

Calculation Methodology

14

&+�(+1/+;+�/9�/8�/25479'39�94�:3*+789'3*�<.'9�/8�+=5+)9+*�'3*�<'39+*�(>�4:7�89'0+.41*+78�'3*�:9/1/?+�9./8�/3,472'9/43�94

/2574;+�9.+�6:'1/9>�4,�574*:)98�'3*�8+7;/)+8�/3�47*+7�94�'1<'>8�(+�'3�+39+757/8+�-74:5�9.'9�/8�3++*+*�(>�84)/+9>�#.+

�"�����38:7'3)+��74:5�(:/1*8�;'7/4:8�8>89+28�94�,')/1/9'9+�)422:3/)'9/43�</9.�4:7�89'0+.41*+78�'3*�<4708�43

/3)47547'9/3-�;4/)+8�4,�9.+�89'0+.41*+78�/394�9.+��74:5@8�2'3'-+2+39�897'9+-/+8

��442222::33//))''99//4433��<<//99..����::77��""99''00++..4411**++7788

#.+��"�����38:7'3)+��74:5�(+1/+;+8�9.'9�9.+�5:(1/)�3'9:7+�4,�9.+�/38:7'3)+�'3*�,/3'3)/'1�8+7;/)+8�/8�,:3*'2+39'1��'3*�/9

/8�4:7�741+�94�574;/*+�9.+�(+89�841:9/438�94�:3)+79'/39/+8�'3*�7/808�/3�84)/+9>��3�47*+7�94�574;/*+�8',+9>�'3*�8+):7/9>�94

5+451+�'3*�8:55479�')9/;+�(:8/3+88�')9/;/9/+8�'3*�'�.+'19.>�'3*�574*:)9/;+�1/,+��<+�1/89+3�94�;4/)+8�4,�4:7�89'0+.41*+78�

,')+�;'7/4:8�/36:/7/+8��7+6:+898��)4251'/398�'3*�45/3/438�'3*�:9/1/?+�9.+2�,47�6:'1/9>�/2574;+2+39��3�'**/9/43��<+�*/8)148+

43�4:7�<+(8/9+�4:7�574)+88+8�4,�:3*+789'3*/3-�/88:+8�'3*�9.+�)439+398�'3*�7+8:198�4,�/2574;+2+39�+,,4798�94<'7*

7+841;/3-�9.+�/88:+8�(>�9.+�',47+2+39/43+*�2'33+7�'3*�2'0+�9.+2�';'/1'(1+�,47�5:(1/)�/385+)9/43

ここ

CSR in the MS&AD Insurance Group > Communication with Stakeholders

15

ここ

CSR in the MS&AD Insurance Group > Communication with Stakeholders

16

!!++8855443388//((//11//99>>��,,4477����::88994422++7788

&+�</11�<470�43�9.+�/2574;+2+39�4,�(:8/3+88�45+7'9/438�'3*�6:'1/9>�:9/1/?/3-�,++*(')0�,742�):8942+78�'3*�574;/*+

574*:)98�'3*�8+7;/)+8�9.'9�</3�):8942+78��97:89�'3*�2++9�9.+/7�+=5+)9'9/438�#.+�A�74:5��'8/)��41/)>�,47�!+8543*/3-�94

�:8942+7��422:3/)'9/438B�<'8�,472:1'9+*�94�7+)+/;+�'�</*+�7'3-+�4,�,++*(')0�,742�):8942+78�'3*�94�:9/1/?+�9.+2�,47

6:'1/9>�/2574;+2+398��3�1/3+�</9.�9.+�541/)>��*42+89/)��74:5�/38:7'3)+�)425'3/+8�:9/1/?+�):8942+78@�;/+<8�94�/2574;+

9.+/7�(:8/3+88�574)+88+8�84�9.+>�)'3�574;/*+�574*:)98�'3*�8+7;/)+8�9.'9�8'9/8,>�):8942+78�#4�7+2'/3�'�)47547'9+�-74:5

9.'9�/8�97:1>�3++*+*�(>�84)/+9>��<+�)438/*+7�/9�/25479'39�94�034<�<.'9�4:7�89'0+.41*+7�;4/)+8�'7+�94�/2574;+�9.+�6:'1/9>

4,�574*:)98�'3*�8+7;/)+8�#.+��"�����38:7'3)+��74:5�.'8�)43897:)9+*�;'7/4:8�8).+2+8�94�'(847(�89'0+.41*+7�45/3/438�

'3*�'7+�7+,1+)9/3-�9.+2�/3�+,,4798�94�/2574;+�4:7�574*:)98�'3*�8+7;/)+8��3�'**/9/43��89'0+.41*+7�;/+<8�'7+�(+/3-�7+,1+)9+*

349�431>�/3�(:8/3+88�574)+88+8��(:9�'184�/3�*/8):88/438�'9�9.+�2'3'-+2+39�1+;+1

&+�*/8)148+�9.+�8:(89'3)+�'3*�7+8:198�4,�9.+8+�')9/;/9/+8�,47�/2574;+2+39�43�4:7�<+(8/9+�84�9.'9�9.+�):8942+78�)'3�8++

9.+�')9:'1�/2574;+2+39

CC��++99''//11++**����33,,447722''99//4433��44,,����++;;++77''--//33--��""99''00++..4411**++7788@@��%%44//))++88��9944����22557744;;++�� ::''11//99>>

CC��++99''//11++**����33,,447722''99//4433��44,,����++;;++114455��''33**����22557744;;++����7744**::))9988��''33**��""++77;;//))++88��,,774422��""99''00++..4411**++7788@@����++778855++))99//;;++

CC��++99''//11++**����33,,447722''99//4433��44,,��$$55--77''**//33--����::88994422++7788@@����''88++��44,,��$$33**++778899''33**//33--��''33**����4433;;++33//++33))++

CC��++99''//11++**����33,,447722''99//4433��44,,����''>>22++3399��44,,����3388::77''33))++����11''//22��""++77;;//))++����77++,,++77''((11++��9944����::88994422++7788

!!++8855443388//((//11//99>>��,,4477��""..''77++..4411**++7788

&+�'7+�)43*:)9/3-��!�')9/;/9/+8�/3�'))47*'3)+�</9.�9.+�('8/)�541/)>�/3�47*+7�94�</3�9.+�97:89�4,�8.'7+.41*+78�'3*�/3;+89478

'3*�,47�4:7��74:5�8�)47547'9+�;'1:+�94�(+�,'/71>�+;'1:'9+*

#.+��"�����38:7'3)+��74:5�574')9/;+1>�+3-'-+8�/3�./-.1>�97'385'7+39�/3,472'9/43�*/8)148:7+�'3*�)43897:)9/;+�*/'14-:+

</9.�8.'7+.41*+78�'3*�/3;+89478�/3�'3�+,,479�94�')./+;+�8:89'/3'(1+�-74<9.�'3*�/3)7+'8+�)47547'9+�;'1:+

"5+)/,/)'11>��(>�574;/*/3-�./-.1>�97'385'7+39�/3,472'9/43�*/8)148:7+��9.+��"�����38:7'3)+��74:5�8++08�94�7+*:)+

/3,472'9/43�'8>22+97/+8�</9.�8.'7+.41*+78�'3*�/3;+89478��184��(>�4(9'/3/3-�,++*(')0�,742�)43897:)9/;+�*/'14-:+�</9.

8.'7+.41*+78�'3*�/3;+89478��9.+��"�����38:7'3)+��74:5�/8�'(1+�94�8.'7+�9./8�,++*(')0�</9.�/98�2'3'-+2+39�'3*�9.+

7+1+;'39�*+5'792+398�'3*�:9/1/?+�/9�/3�,472:1'9/3-�/98�2'3'-+2+39�897'9+-/+8

CC��++99''//11++**����33,,447722''99//4433��44,,����//88))114488::77++��44,,����33,,447722''99//4433��''33**����33;;++88994477��!!++11''99//443388������!!��

!!++8855443388//((//11//99>>��,,4477����::88//33++8888����''779933++7788

&+�</11�)43*:)9�,'/7�'3*�+6:/9'(1+�97'*+�94�2++9�84)/'1�+=5+)9'9/438�'3*�7+6:+898�'3*�'184�+3*+';47�94�2'0+�5+72'3+39

*+;+1452+39�'8�<+11�'8�,:1,/11�)47547'9+�84)/'1�7+85438/(/1/9>��"��'3*������'8�'�)438/89+39�89+5�94<'7*�*+'1/3-�</9.

�"������+=51'/3��74:5��3;/7432+39'1��'8/)��41/)>�43)+�'�>+'7�94�(:8/3+88�5'793+78�'3*�'80�9.+2�94�)445+7'9+�/3�9.+/7

)438/*+7'9/438�7+-'7*/3-�9.+�+3;/7432+39�#.+��"�����38:7'3)+��74:5�8:554798�9.+/7�(:8/3+88�5'793+78@�/3/9/'9/;+8

94<'7*8�9.+�+3;/7432+39��/3)1:*/3-���)4��)9/43�����)+79/,/)'9/43�8+):7/3-��'�8/251/,/+*�9>5+�4,�+3;/7432+39'1��"�

)+79/,/)'9/43

CC��++99''//11++**����33,,447722''99//4433��44,,��!!++8855443388//((//11//99//++88��//33��##77''3388''))99//443388

ここ

CSR in the MS&AD Insurance Group > Communication with Stakeholders

17

!!++8855443388//((//11//99>>��,,4477��99..++����33;;//77443322++3399

&+�.';+�*+;+145+*�4:7�(+.';/47'1�-:/*+1/3+8�('8+*�43�4:7�2/88/43���9.74:-.�-14('1�/38:7'3)+�'3*�,/3'3)/'1�8+7;/)+8

(:8/3+88+8��<+�</11�574;/*+�8',+9>�'3*�8+):7/9>�'3*�8:55479�*+;+1452+39�4,�;/(7'39�84)/+9>�'3*�84:3*�,:9:7+�4,�9.+�+'79.�

94�/251+2+39�/3/9/'9/;+8

#.+��"�����38:7'3)+��74:5�</11�)439/3:+�94�)4397/(:9+�94�9.+�841:9/43�,47�84)/'1�/88:+8�9.74:-.�'�</*+�7'3-+�4,

/3/9/'9/;+8��8:).�'8�5'79/)/5'9/43�/3�9.+�$���14('1��425')9��/3�1/3+�')9/;/9/+8�</9.�9.+�)422/92+39�9.'9�9.+��74:5�.'8

2'*+�(>�8/-3/3-�9.+��7/3)/51+8�4,�":89'/3'(1+��38:7'3)+�'3*��'9:7'1��'5/9'1��+)1'7'9/43

�3�'**/9/43��<+�8479�4:9�741+8�7+6:/7+*�,47�)47547'9+8�/3�"��8��<./).�/8�9.+������ �/39+73'9/43'1�*+;+1452+39�-4'18�8+9

(>�#.+�� ��-+3*'�,47�"��8��#.+�":89'/3'(1+��+;+1452+39��4'18���'3*�7+,1+)9�9.+2�/3�/*+39/,>/3-�57/47/9>�/88:+8�/3

,/8)'1������8�'�-14('1�/38:7'3)+�'3*�,/3'3)/'1�8+7;/)+8�574;/*+7��<+�</11�)439/3:+�94�<470�43�7+8543*/3-�94�).'3-+8�/3�9.+

-14('1�+3;/7432+39�'3*�1/89+3/3-�94�9.+�45/3/438�4,�9.+�/39+73'9/43'1�)422:3/9>

CC��++99''//11++**����33,,447722''99//4433��44,,����''7799//))//55''99//4433��9944����33//99//''99//;;++88

CC��++99''//11++**����33,,447722''99//4433��44,,��99..++����443388//**++77''99//4433����7744))++8888��,,4477����77//4477//99>>����8888::++88

CC��++99''//11++**����33,,447722''99//4433��44,,��!!++8855443388++��9944����11//22''99++����..''33--++

CC��++99''//11++**����33,,447722''99//4433��44,,����77''))99//))//33--��!!++8855443388//((11++����33;;++889922++3399��9944����44339977//((::99++��9944��!!++884411;;//33--��""44))//''11����8888::++88

CC��++99''//11++**����33,,447722''99//4433��44,,����55557744''))..++88��9944��99..++����33;;//77443322++3399

!!++8855443388//((//11//99>>��,,4477����--++339988

&+�'/2�94�-74<�94-+9.+7�</9.�4:7�'-+3)/+8�9.74:-.�)439/3:4:8�*/'14-�</9.�9.+2�'3*�(>�2'/39'/3/3-�'3*�/2574;/3-�9.+

6:'1/9>�4,�4:7�574*:)98�'3*�8+7;/)+8

�"��'3*������(49.�5'79�4,�9.+��"�����38:7'3)+��74:5��'7+�8:55479/3-�2:9:'11>�574;40+*�/3,472'9/43�+=).'3-+�(+9<++3

9.+�)425'3>�'3*�/98�'-+398�9.74:-.�9.+�'-+39�47-'3/?'9/43��84�9.'9�)422:3/)'9/43�/8�')9/;'9+*�'3*�8+7;/)+8�4,�./-.+7

6:'1/9>�'7+�4,,+7+*�94�):8942+78��').�'-+39�47-'3/?'9/43�<4708�43�9.+�*+;+1452+39�4,�'�8>89+2�'3*�9.+�+3.'3)+2+39�4,

-74<9.�549+39/'1�4,�2+2(+7�'-+398�#.+>�*4�9./8�/3�;'7/4:8�'-+39�')9/;/9/+8�'3*�14)'1�'3*�84)/'1�)4397/(:9/43�')9/;/9/+8

'/2/3-�94�*+1/;+7�./-.�6:'1/9>�8+7;/)+8�'3*�9.+�(+89�/38:7'3)+�574*:)98�94�):8942+78

#.+�3:2(+7�4,�'-+398�.'8�(++3�/3)7+'8/3-�/3�8/?+��)7+'9/3-�9.+�3++*�,47�'�./-.+7�1+;+1�4,�2'3'-+7/'1�80/118�#4�9./8�+3*�

�"��'3*�����*+514>+*�*+*/)'9+*�89',,�2+2(+78�<.4�.';+�+=5+79/8+�/3�2'3'-+2+39�8:55479�,47�'-+398��)4;+7/3-�'7+'8

,742�2'3'-+2+39�'3*�8>89+28�94�/3*/;/*:'1�/88:+8�94�57')9/)+�2'3'-+2+39�8:55479�,47�574,+88/43'1�'-+398�#.+

)425'3/+8�2'0+�+,,4798�94�/2574;+�'3*�+=5'3*�9.+�2'3'-+2+39�,4:3*'9/43�'3*�6:'1/9>�4,�'-+398�9.74:-.�8:55479�'3*

97'/3/3-�574;/*+*�(>�89',,�*+*/)'9+*�94�2'3'-+2+39�8:55479�,47�'-+398�'3*�/3*/;/*:'1�2++9/3-8

CC��++99''//11++**����33,,447722''99//4433��44,,����442222::33//))''99//4433��<<//99..����--++339988

ここ

CSR in the MS&AD Insurance Group > Communication with Stakeholders

18

!!++8855443388//((//11//99>>��,,4477����22551144>>++++88

�/89+3/3-�94�;4/)+8�4,�9.+�89'0+.41*+78�'3*�)4389'391>�7+;/+</3-�4:7�')9/43�<470��/334;'9/43��/8�89/5:1'9+*�/3�4:7

(+.';/47'1�-:/*+1/3+8��;'1:+8���:7�+2514>++8�5:9�9.+�(+.';/47'1�-:/*+1/3+8�/394�57')9/)+�'3*�<470�43�9.+�/2574;+2+39�4,

574*:)98�'3*�8+7;/)+8��/89+3/3-�94�;4/)+8�4,�9.+�89'0+.41*+78�'3*�)4389'391>�7+;/+</3-�4:7�')9/43�<470��/334;'9/43��/8

89/5:1'9+*�/3�4:7�(+.';/47'1�-:/*+1/3+8��;'1:+8���:7�+2514>++8�5:9�9.+�(+.';/47'1�-:/*+1/3+8�/394�57')9/)+�'3*�<470�43�9.+

/2574;+2+39�4,�574*:)98�'3*�8+7;/)+8

#4�574249+�9.+��74:5�2'3'-+2+39�/3�47*+7�94�)45+�</9.�).'3-+8�/3�9.+�-14('1�+3;/7432+39��/9�/8�/25479'39�94�574249+

9+'2<470�'243-�/3*/;/*:'1�+2514>++8�</9.�*/;+78+�80/118�'3*�;'1:+8�#.+��74:5�(+1/+;+8�9.'9�-/;/3-�'11�'2(/9/4:8

+2514>++8�9.+�455479:3/9>�94�-74<�'3*�*+243897'9+�9.+/7�9'1+398�9.74:-.�9.+/7�<470�</11�1+'*�94�9.+�':-2+39'9/43�4,�/98

)425+9/9/;+�897+3-9.�#.+7+,47+��<+�;'1:+�)422:3/)'9/43�</9.�4:7�+2514>++8�'3*�574249+�;'7/4:8�/3/9/'9/;+8

�').�>+'7��9.+��"�����38:7'3)+��74:5�/251+2+398�'3�45/3/43�5411�'80/3-�'11��74:5�+2514>++8�8:).�6:+89/438�'8�9.48+

'(4:9�9.+�*+-7++�4,�*/,,:8/43�4,�9.+��74:5��/88/43��%/8/43��'3*�%'1:+8��'(4:9�<.+9.+7�9.+��74:5�.'8�'�8+38+�4,�:3/9>��'3*

'(4:9�<.+9.+7�9.+>�,++1�89743-�8+38+8�4,�249/;'9/43�'3*�5+7843'1�-74<9.� :+89/438�'7+�57+5'7+*�,742�9.+�89'9/43'7>

89'3*54/39�4,��'5574').+8�94�57')9/)/3-�9.+��74:5��/88/43��%/8/43��'3*�%'1:+8����'�8+38+�4,�:3/9>�'8�'��74:5���'3*��'

1/;+1>�<470/3-�+3;/7432+39�

�3�'**/9/43��+').�)425'3>�/3�9.+��74:5�.'8�/251+2+39+*�9.+�2+88'-+�(4'7*�/3�/397'�8>89+2�94�)411+)9�9.+�;/+<8�4,

+2514>++8�94�:9/1/?+�+2514>++8@�;4/)+�,47�(:8/3+88�/2574;+2+39�#.+/7�;4/)+8�'7+�)438/*+7+*�'9�+').�*/;/8/43�'9�9.+

.+'*6:'79+78�'3*�9.+�7+8:198�'7+�,+*�(')0�#.+�2'3'-+2+39�1+;+1�+=+):9/;+8�4,��"���������/98:/��/7+)9��+3+7'1���"���/4/

�/,+��38:7'3)+�'3*��"���7/2'7>��/,+�7+-:1'71>�.';+�'3�455479:3/9>�94�+=).'3-+�45/3/438�</9.�+2514>++8��'243-�49.+7

)439/3:+*�+,,4798�94�*7'<�43�+2514>++�,++*(')0�,47�7:33/3-�45+7'9/438

CC��++99''//11++**����33,,447722''99//4433��44,,����++;;++11445522++3399��44,,����//;;++7788++����::22''33��!!++8844::77))++88��''33**����++''1199..����''88++**����::88//33++8888����55++77''99//4433

CC��++99''//11++**����33,,447722''99//4433��44,,��!!++8855++))99��,,4477����::22''33��!!//--..9988

!!++8855443388//((//11//99>>��,,4477����44))''11����442222::33//99//++88��''33**����3399++7733''99//4433''11��""44))//++99>>

�8�'�2+2(+7�4,�14)'1�)422:3/9/+8�'3*�9.+�/39+73'9/43'1�)422:3/9>��<+�)43*:)9�84)/'1�)4397/(:9/43�')9/;/9/+8�9.74:-.�4:7

2'/3�(:8/3+88+8�/3)1:*/3-�4:7�/38:7'3)+�(:8/3+88��'3*�4:7�+2514>++8�574')9/;+1>�+3-'-+�/3�)4397/(:9/43�')9/;/9/+8�,47

+3;/7432+39'1�)438+7;'9/43�'3*�9.+�14)'1�)422:3/9/+8�94�)4397/(:9+�94�9.+�8:89'/3'(1+�*+;+1452+39�4,�14)'1�)422:3/9/+8

'3*�9.+�/39+73'9/43'1�)422:3/9>��47�/389'3)+��<+�574249+�/3/9/'9/;+8�/3�5:(1/)�57/;'9+�)411'(47'9/438�/3)1:*/3-�9.+

574249/43�4,�*/8'89+7�57+;+39/43�'3*�2/9/-'9/43�/3�14)'1�)422:3/9/+8��8:).�'8�.489/3-�'3�+=./(/9�'9�9.+��'9/43'1��/8'89+7

�7+;+39/43��74249/43��43;+39/43�(>�9.+��'(/3+9��,,/)+��3�'**/9/43��<+�'184�574249+�')9/;/9/+8�7+1'9+*�94�(/4*/;+78/9>

)438+7;'9/43�'3*�8:89'/3'(1+�:8+�4,�(/414-/)'1�7+84:7)+8�</9.�9.+��'5'3��:8/3+88��3/9/'9/;+�,47��/4*/;+78/9>���������<./).

�"��8:554798�'8�9.+�).'/7�)425'3>

#.74:-.�84)/'1�)4397/(:9/43�-74:5���"����$3/843�"2/1+��1:(��)438/89+*�4,�+2514>++8�4,�9.+��"�������38:7'3)+��74:5�

<+�)43*:)9�;'7/4:8�84)/'1�)4397/(:9/43�')9/;/9/+8�/3�)411'(47'9/43�</9.�343�574,/9�47-'3/?'9/438

CC��++99''//11++**����33,,447722''99//4433��44,,����55557744''))..++88��9944����44))''11��''33**����3399++7733''99//4433''11����442222::33//99//++88

CC��++99''//11++**����33,,447722''99//4433��44,,����44339977//((::99//33--��9944��!!++884411::99//4433��44,,��""44))//''11����8888::++88��99..7744::--..��99..++����::88//33++8888

ここ

CSR in the MS&AD Insurance Group > Communication with Stakeholders

19

%%88LL��**88EE99BBEE@@44AA6688��##AA77<<6644GGBBEEFF����%%**##����GGBB��**EEBB@@BBGG88��))HHEE����,,++��##AA<<GG<<44GG<<II88FF

-;8�',����#AFHE4A68�!EBHC�<AGEB7H687��%*#�9BE�G;8�CEB@BG<BA�B9��,+�<A<G<4G<I8F�4G�G;8�',����#AFHE4A68�!EBHC��<A

G;E88�:EBHC�6B@C4A<8F��<A6?H7<A:�',����"B?7<A:F��',#�4A7���#�<A�9<F64?����� �-;8�%*#�J4F�<AGEB7H687�4G�G;8�G;E88�@BE8

6B@C4A<8F��'<GFH<��<E86G�!8A8E4?��',#��<B<�&<98��4A7�',#�*E<@4EL�&<98�<A�9<F64?�����

#FFH8F #A78K�BI8E87

�B@C4A<8F

�4EA<A:�GEHFG�G;EBH:;�G;8

<@CEBI8@8AG�B9�DH4?<GL�B9�CEB7H6GF

4A7�F8EI<68F

����#@CEBI8@8AGF�B9�CEB7H6GF�F8EI<68F�<A<G<4G87�5L

6HFGB@8EF��IB<68F

�B@8FG<6�!EBHC

�B@C4A<8F��

�����HFGB@8E�F4G<F946G<BA�9BE�BI8E4??�E8FCBAF8�GB�466<78AGF

�DH8FG<BAA4<E8�E8FH?GF�

',#�

��#

�����HFGB@8E�F4G<F946G<BA�9BE�G;8�CEB68FF�B9�58A89<G

C4L@8AGF��DH8FG<BAA4<E8�E8FH?GF�

',#��<B<�&<98

����+4G<B�B9�6HFGB@8E�E86B@@8A74G<BA�9BE�6B@C4AL�4:8AGF

�DH8FG<BAA4<E8�E8FH?GF�

',#�

��#�

',#��<B<�&<98

�BAGE<5HG<BA�GB�G;8�E8FB?HG<BA�B9

FB6<4?�<FFH8F�G;EBH:;�<@CEBI<A:

DH4?<GL�B9�CEB7H6GF�4A7�F8EI<68F

�����<F6?BF<A:�A8J�<FFH8F�E<F>F�6BA9EBAG<A:�BHE�FB6<8GL�4F�4

E8FH?G�B9�FGH7<8F��4A7�78I8?BC<A:�4A7�<@CEBI<A:�BHE

CEB7H6GF�GB�477E8FF�G;8F8�A8J�<FFH8F�E<F>F

�B@8FG<6�!EBHC

�B@C4A<8F��

����085�CB?<6L�6?4HF8F�F8?86G<BA�E4G8 ',#�

��#

!EBHC�J<78�#A<G<4G<I8F �����?86GE<6<GL�6BAFH@CG<BA �B@8FG<6�!EBHC

�B@C4A<8F����*4C8E�6BAFH@CG<BA

����!4FB?<A8�6BAFH@CG<BA

�����(H@58E�B9�8@C?BL88F�CE46G<6<A:�FB6<4?�6BAGE<5HG<BA

46G<I<G<8F

�����)9�G;8�45BI8��G;8�AH@58E�B9�8@C?BL88F�C4EG<6<C4G<A:�<A

J4G8EF<78�5<B7<I8EF<GL�6BAF8EI4G<BA�46G<I<G<8F

�����(H@58E�B9�98@4?8�@4A4:8EF��F86G<BA�@4A4:8E�BE

45BI8�

������@C?BL88�F4G<F946G<BA��DH8FG<BAA4<E8�E8FH?GF����*E<78�

$B5�F4G<F946G<BA�

������@C?BL88�F4G<F946G<BA��DH8FG<BAA4<E8�E8FH?GF����0BE><A:

/<:BEBHF?L�

����K6?H78�',����"B?7<A:F

ここ

CSR in the MS&AD Insurance Group > Targets and Results

20

++88FFHH??GGFF

##FFFFHH88FF ##AA7788KK

11�������� 11�������� 11�������� 11����������BBII88EE8877

��BB@@CC44AA<<88FF**88EE99BBEE@@44AA6688 **88EE99BBEE@@44AA6688 **88EE99BBEE@@44AA6688!!EEBBHHCC--44EE::88GG

**EE<<BBEE<<GGLL

##FFFFHH88FF

**<<????44EE

##

��44EEAA<<AA::GGEEHHFFGGGG;;EEBBHH::;;��GG;;88<<@@CCEEBBII88@@88AAGGBB99��DDHH44??<<GGLL��BB99CCEEBB77HH66GGFF44AA77��FF88EEII<<6688FF

����#@CEBI8@8AGF�B9CEB7H6GF�F8EI<68F�<A<G<4G87�5L6HFGB@8EF��IB<68F

� �'4<A�899BEGF9<A7�58?BJ

�BAG<AH8G;84CCEB46;8F

�B@8FG<6!EBHC

�B@C4A<8F���

�����HFGB@8EF4G<F946G<BA�9BEBI8E4??�E8FCBAF8GB�466<78AGF�DH8FG<BAA4<E8E8FH?GF�

+4G<B�B96HFGB@8EFF4G<F9<87�J<G;466<78AGE8FCBAF8�9BE4HGB@B5<?8<AFHE4A68

�� �� �� �� �� ��

�DH4?�GB�BE:E84G8EG;4A�G;8CE8I<BHFL84E

',#���#+4G<B�B96HFGB@8EFF4G<F9<87�J<G;466<78AGE8FCBAF8�9BE9<E8��C8EFBA4?466<78AG��4A764FH4?GL<AFHE4A68

�� �� �� �� �� ��

�����HFGB@8E�F4G<F946G<BA�9BE58A89<G�6?4<@F�CEB687HE8�DH8FG<BAA4<E8�E8FH?GF�

�� �� �� �� �� �� ',#��<B<�&<98

����+4G<B�B96HFGB@8EE86B@@8A74G<BA9BE6B@C4AL�4:8AGF�DH8FG<BAA4<E8E8FH?GF�

+4G<B�B96HFGB@8EFJ;B�4E8J<??<A:�GBE86B@@8A78<G;8E�',#�BE��#�GB�G;8<E9E<8A7F�4A746DH4<AG4A68F

�� �� �� �� �� ��

',#���#',#��<B<�&<98

+4G<B�B96HFGB@8EFJ<F;<A:�GBE86B@@8A74AL�4:8AGF�GBG;8<E�9E<8A7F4A746DH4<AG4A68F

�� �� �� �� �� ��

**<<????44EE

####

��BBAAGGEE<<55HHGG<<BBAAGGBB��GG;;88EE88FFBB??HHGG<<BBAA��BB99FFBB66<<44??��<<FFFFHH88FFGG;;EEBBHH::;;<<@@CCEEBBII<<AA::DDHH44??<<GGLL��BB99CCEEBB77HH66GGFF44AA77��FF88EEII<<6688FF

�����<F6?BF<A:�A8J�<FFH8F�E<F>F6BA9EBAG<A:�BHE�FB6<8GL�4F�4E8FH?G�B9�FGH7<8F��4A778I8?BC<A:�4A7�<@CEBI<A:�BHECEB7H6GF�GB�477E8FF�G;8F8�A8J<FFH8F�E<F>F

��BAG<AH8�G;84CCEB46;8F

'4<A�899BEGF9<A7�58?BJ

�BAG<AH8G;84CCEB46;8F

�B@8FG<6!EBHC

�B@C4A<8F���

����085�CB?<6L6?4HF8FF8?86G<BA

E4G8���

-;8�E4G<B�B96BAGE46GFJ;<6;F8?86G87�G;8085�CB?<6L

�� �� �� �� �� �� �� �� ',#���#

,,;;44EE8877��!!EEBBHHCC##AA<<GG<<44GG<<II88FF

�����?86GE<6<GL6BAFH@CG<BA

�?86GE<6<GL6BAFH@CG<BAB9�4??7B@8FG<6?B64G<BAF

�������-;BHF4A7>0;TQ� ��U

�������-;BHF4A7>0;TQ� ��U

�������-;BHF4A7>0;TQ� ��U

Q� ��

�B@8FG<6!EBHC�B@C4A<8F

����*4C8E6BAFH@CG<BA

*4C8E6BAFH@CG<BAB9�4??7B@8FG<6?B64G<BAF��BCL�C4C8E�CE<AGF�@46;<A8G45H?4G<BA�

������GTQ�� ��U

������GT� ��U

������GTQ� ��U

Q� ��

����!4FB?<A86BAFH@CG<BA

!4FB?<A86BAFH@CG<BAB9�4??7B@8FG<6?B64G<BAF

�����%&T� ��U

�����%&TQ�� ��U

�����%&TQ� ��U

Q� ��

�����(H@58E�B9�8@C?BL88FCE46G<6<A:�FB6<4?�6BAGE<5HG<BA

46G<I<G<8F��������� ������ ������

�DH4?�GB�BE:E84G8EG;4A�G;8CE8I<BHFL84E

�����)9�G;8�45BI8��G;8�AH@58EB9�8@C?BL88F�C4EG<6<C4G<A:�<AJ4G8EF<78�5<B7<I8EF<GL6BAF8EI4G<BA�46G<I<G<8F

����� ����� �����

�����(H@58E�B998@4?8@4A4:8EF

(H@58E�B998@4?88@C?BL88F�@4A4:8ECBF<G<BA�4A745BI8�

��� ��� ���

������@C?BL88F4G<F946G<BA�DH8FG<BAA4<E8E8FH?GF����*E<78�$B5F4G<F946G<BA�

+4G<B�B98@C?BL88F988?<A:�CE<78BE�=B5F4G<F946G<BA�4??�8@C?BL884I8E4:8�BA�4��CB<AG�F64?8�

� �CB<AGF � �CB<AGF � �CB<AGF

������@C?BL88F4G<F946G<BA�DH8FG<BAA4<E8E8FH?GF���0BE><A:/<:BEBHF?L�

+4G<B�B98@C?BL88F�E8:4E7?8FF�B9F8K�4A7�4:8�988?<A:�9E884A7�?<I8?L�4GJBE>�C?468F�4??�8@C?BL884I8E4:8�BA�4��CB<AG�F64?8�

� �CB<AGF � �CB<AGF � �CB<AGF

����-8E@F�4A7��BA7<G<BAF�J4F�@478�4I4<?45?8�BA?<A8�<A�6BAF<78E4G<BA�B9�8AI<EBA@8AG

�����K6?H78�',����"B?7<A:F

����(H@58E�B9�8@C?BL88F�J;B�C4EG<6<C4G87�<A�IB?HAG88E<A:�46G<I<G<8F�BE�@478�7BA4G<BAF�4F�4�@8@58E�B9�4�6BECBE4G8�BE�4A

<A7<I<7H4?

ここ

CSR in the MS&AD Insurance Group > Targets and Results

21

U 1������K4@C?8FV

��������##@@CCEEBBII88@@88AAGGFF��BB99��CCEEBB77HH66GGFF44AA77��FF88EEII<<6688FF��<<AA<<GG<<44GG8877��55LL66HHFFGGBB@@88EEFF����IIBB<<6688FF

R+8?4G<I8F�(BG<9<64G<BA�,LFG8@��<A�J;<6;�CB?<6L�;B?78EF�E8:<FG8E�BA8�E8?4G<I8�4F�4A8@8E:8A6L�6BAG46G�9BE�4A�<AFHE4A68�6BAGE46G �-;<F�FLFG8@�@4>8F�FHE8�GB�78?<I8E<@CBEG4AG�ABG<9<64G<BAF�E8:4E7<A:�<AFHE4A68�6BAGE46GF�GB�G;8�E8:<FG8E87�E8?4G<I8F7HE<A:�8@8E:8A6<8F�J;8A�J8�64AABG�6BAG46G�CB?<6L;B?78EF �-;<F�FLFG8@�4?FB�@4>8F<G�CBFF<5?8�GB�F;4E8�6BAGE46G�6BAG8AGF�5L�F<@C?8�<78AG<GL�I8E<9<64G<BA�7HE<A:�<ADH<E<8F9EB@�G;8�E8?4G<I8 �2',#����#��',#��<B<�&<98��',#�*E<@4EL�&<983RO,8EI<68F�<A�9BHE�?4A:H4:8FP�9BE�<AFHE4A68�6?4<@F�HF<A:�4�G8?8C;BA8�<AG8ECE8G4G<BAF8EI<68�GB�8A;4A68�BHE�6HFGB@8EFN�6BAI8A<8A68 �2',#����#3R���;BHE�����74L�4�L84E�6?4<@F�;4A7?<A:�F8EI<68�CEBI<7<A:�G;8�F4@8�?8I8?�B9466<78AG�E8FCBAF8�F8EI<68F�4G�4ALG<@8�4F�G;BF8�CEBI<787�7HE<A:�5HF<A8FF�;BHEFE8FCBA7<A:�GB�G;8�A887F�B9�7<I8EF<9<87�6HFGB@8EFN�?<98FGL?8F �2��#3R"B@8�I<F<G�F8EI<68�9BE�8?78E?L�6HFGB@8EF�BE�G;BF8�J<G;�7<F45<?<G<8F�J;B�;4I87<99<6H?G<8F�<A�6B@@HA<64G<A:�BI8E�G;8�C;BA8��E8:4E7?8FF�B9�J;8G;8E�G;8L�4E8;BFC<G4?<M87�BE�ABG �2',#����#3R)C8E45<?<GL�<@CEBI8@8AG�B9�F@4EGC;BA8F�4A7�G45?8GF�G;EBH:;�8@C?BL<A:�E8FCBAF<I8J85�78F<:AF�<A�O'L�;B@8C4:8P�J;<6;�64A�58�HF87�9BE�CEB687HE8F�9BE�CB?<6L�E8A8J4?�8FG<@4G<BA��4CC?<64G<BA�CEB687HE8F�4A7�6?4<@�ABG<68 �2'<GFH<��<E86G�!8A8E4?3

����������<<FF66??BBFF<<AA::��AA88JJ��<<FFFFHH88FF��EE<<FF>>FF66BBAA99EEBBAAGG<<AA::��BBHHEE��FFBB66<<88GGLL����44AA777788II88??BBCC<<AA::��44AA77��<<@@CCEEBBII<<AA::��BBHHEECCEEBB77HH66GGFF��GGBB��447777EE88FFFF��GG;;88FF88��AA88JJ<<FFFFHH88FF��EE<<FF>>FF

R,498�BC8E4G<BAF�FHCCBEG�F8EI<68�9BE�7B@8FG<6�I8FF8?F�HG<?<M<A:�F@4EGC;BA8F�<AC4EGA8EF;<C�J<G;�084G;8EA8JF�#A6 �-;<F�F8EI<68�4?8EGF�7B@8FG<6�I8FF8?F�F4<?<A:�<AEBH:;�J4G8EF�J<G;�FBHA7�4A7�8�@4<?F �#G�4?FB�:<I8F�9BE864FGF�B9�4G@BFC;8E<6�BE@4E<A8�J84G;8E�BE�F;BJF�I<78BF�B9�J4G8EF�4EBHA7�G;8�I8FF8?�BA�4�787<64G87�J85F<G8GB�;8?C�CE8I8AG�466<78AGF�4A7�GB�58�HF87�5L�I8FF8?�BC8E4GBEF�GB�6;BBF8�F498�EBHG8F 2',#3R*E8@<H@��<F6BHAG��A7BEF8@8AG�78F<:A4G87�9BE�;4H?4:8�BC8E4GBE�G;4G�GBB>-E4AFCBEG4G<BA�,498GL�'4A4:8@8AG�,8@<A4E�5L�G;8�'<A<FGEL�B9�&4A7��#A9E4FGEH6GHE8�-E4AFCBEG�4A7�-BHE<F@�4A7�;4I8�F8G�4�F86G<BA�<A�6;4E:8�B9�466<78AGF589BE8;4A7 2',#3R-;8�9<EFG�4HGB@B5<?8�<AFHE4A68�CEB7H6G�<A�$4C4A�J;BF8�@BAG;?L�<AFHE4A68CE8@<H@F�E89?86G�7E<I<A:�58;4I<BEF�78G86G87�5L�G8?8@4G<6F�G86;AB?B:L �2��#3R�<M�,498GL��4�G8?8@4G<6F�F8EI<68�9BE��5BG;�9?88G�4A7�ABA�9?88G��5HF<A8FF�BC8E4GBEF -;<F�F8EI<68�HF8F�4�787<64G87�F@4EGC;BA8�4CC?<64G<BA�4A7�4�FC86<4?�78I<68�GB�@88GBC8E4GBEF��A887F�9BE�GEL<A:�4�7E<I<A:�6BAGEB?�FLFG8@�4A7�<AFGEH6G<BAF�9BE�F498�7E<I<A:HG<?<M<A:�G8?8@4G<6F�G86;AB?B:L�J<G;�@<A<@H@�6BFGF�<A6?H7<A:�74G4�6B@@HA<64G<BA 2��#3R-;8�A8J�6BAG8AGF�B9�O�6B��E<I8P�GB�G;8�'.$#�)&)!1��&45BE4GBEL�F�J85F<G8�B9'.$#�)&)!1��*EB=86G�4<@<A:�9BE�466<78AG�9E88�4HGB�FB6<8GL �2'<GFH<��<E86G�!8A8E4?3R(8J�E<F>�4FF8FF@8AG�FLFG8@�GB�CE87<6G�9?BB7�74@4:8��OA8J�9?BB7�@B78?P��<A6B??45BE4G<BA�J<G;�#AG8E+<F>�+8F84E6;�#AFG<GHG8����BAFH?G<A:��#A6 �4A7�4�@4=BE�.,CEBI<78E�B9�64G4FGEBC;8�E<F>�@B78?<A:�FB9GJ4E8 �-;8�@B78?�@478�<G�CBFF<5?8�GBCE87<6G�9?BB7�74@4:8�64HF87�5L�F84FBA4?�E4<A�9EBAGF�4A7�GBEE8AG<4?�E4<A�4F�J8??�<A477<G<BA�GB�64HF87�5L�GLC;BBAF �2',#����#3R*EBI<7<A:�%B>B>4E4��<4EL��4�F@4EGC;BA8�4CC?<64G<BA���,H@4�"B���4<@87�4G�;8?C<A:C8BC?8�GB�;4I8�4�;84?G;L�@<A7�4A7�5B7L �%B>B>4E4��<4EL�;8?CF�CEB@BG8�G;8�:BB7;84?G;�B9�<A7<I<7H4?�6HFGB@8EF�4A7�FHCCBEGF�6B@C4A<8F�@4A4:8�G;8�;84?G;�B98@C?BL88F �2',#3RO�7I4A687�@87<64?�64E8�58A89<G�7<E86G�C4L@8AG�F8EI<68P�9BE�4??�@87<64?<AFG<GHG<BAF�<A�$4C4A�G;4G�C8E9BE@�CEBGBA�G;8E4CL�4A7�;84IL�<BA�E47<BG;8E4CL �-;<FF8EI<68�E87H68F�G;8�5HE78A�B9�CB?<6L;B?78EF�GB�CE8C4E8�9HA7F�9BE�;<:;�G86;A<64?�988F<A�47I4A68 �2',#��<B<�&<983RO14F4F;<F4�-FHA4:H��6BAA86G<A:�G;BH:;G9H?A8FF�P�J;<6;�E8FCBA7F�GB�GJB�A887F�O#AG8E�/<IB�!<9GFP��J;<6;�8A45?8F�?<I<A:�58A89<GF�C4L@8AGF�GB�58�F@BBG;?L�9BEJ4E787GB�94@<?L�58A89<6<4E<8F�<@@87<4G8?L�49G8E�G;8�6BAGE46G��4A7�O*8AF<BA�9BE�'LF8?9 P2',#�*E<@4EL�&<983RO.AB66HC<87�"BHF<A:�&<45<?<GL�#AFHE4A68�P�4F�G;8�AH@58E�B9�HAB66HC<87�7J8??<A:F;4F�588A�BA�4A�<A6E84F8�46EBFF�$4C4A�4A7�;4F�<A6E84F87�G;8�A887�GB�@4A4:8�GB7E<I8�5HF<A8FF8F�G;4G�@4A4:8�HAB66HC<87�;BHF<A: �2',#����#3

ここ

CSR in the MS&AD Insurance Group > Targets and Results

22

''<<77��GG88EE@@��--44EE::88GG

BE�G;8�9B??BJ<A:�G4E:8GF�4G�G;8�8A7�B9�9<F64?�������J8�4<@�GB�8K6887�G;8�C8E9BE@4A68�?8I8?�B9�9<F64?������

���HFGB@8E�F4G<F946G<BA�9BE�BI8E4??�E8FCBAF8�GB�466<78AGF

��+4G<B�B9�6HFGB@8E�E86B@@8A74G<BAF�9BE�6B@C4AL�4:8AGF

BE�G;8�G4E:8G�B9�O(H@58E�B9�98@4?8�@4A4:8EFP��4G�G;8�8A7�B9�9<F64?�������G;E88�!EBHC�<AFHE4A68�6B@C4A<8F�;B?7F�846;

G4E:8G�4F�58?BJ�

��',#�������98@4?8�@4A4:8EF��9BHE�G<@8F�6B@C4E87�GB�����<A�9<F64?������

����#���,;4E8�B9�78CHGL�@4A4:8EF�BE�;<:;8E�B66HC<87�5L�JB@8A�HC�GB�������� ����CE8F8AG��'4L��������

��',#��<B<�&<98���,;4E8�B9�78CHGL�@4A4:8EF�BE�;<:;8E�B66HC<87�5L�JB@8A�HC�GB�����4A7�G;8�AH@58E�B9�98@4?8�@4A4:8EF�GB

58�<A6E84F87���G<@8F�4F�@4AL�4F�G;4G�<A�G;8�CE8F8AG��'4L�������

BE�G;8�G4E:8G�B9�E87H6G<BA�B9��)���-;8�',����#AFHE4A68�!EBHC�;B?7F�G4E:8G�4F�58?BJ�

+87H68��)��8@<FF<BAF�GB�����9EB@�G;8�54F8�L84E��9<F64?�������<A�������4A7�E87H68�GB�����<A�����

,H5=86G�)E:4A<M4G<BA�4A7��4G4��BI8E4:8

ここ

CSR in the MS&AD Insurance Group > Targets and Results

23

)63�#(�����<AC@/<13��@=C>��4=::=E7<5�B63�231:/@/B7=<�=4�AC>>=@B�=4�B63�*<7B32�$/B7=<A��:=0/:��=;>/1B�7<� C<3������0G

#(��/A�B63�47@AB�47</<17/:�=@5/<7H/B7=<��>/@B717>/B3A�7<�D/@7=CA�7<7B7/B7D3A�/<2�3<23/D=@A�B=�1=<B@70CB3�B=�B63�@3A=:CB7=<�=4

A=17/:�7AAC3A�(=17/:�'3A>=<A707:7BG��<D3AB;3<B��('���7A�/�;3B6=2�=4�7<D3AB7<5�B6/B�/AA3AA3A�B63�1=;>/<G�4@=;�B63

D73E>=7<B�=4��=@>=@/B3�(=17/:�'3A>=<A707:7BG���('��)63�#(�����<AC@/<13��@=C>�CB7:7H3A�B63�/AA3AA;3<B�>@=D7232�0G

;/8=@�(=17/:�'3A>=<A707:7BG��<D3AB;3<B��('���3D/:C/B7=<�=@5/<7H/B7=<A�B=�7;>@=D3�7BA�/>>@=/163A�B=��('

&&//@@BB771177>>//BB77==<<��BB==����<<77BB77//BB77DD33AA

&&//@@BB771177>>//BB77==<<��77<<��BB6633��**$$����::==00//::����==;;>>//11BB���

)63�#(�����<AC@/<13��@=C>�933>A�7BA�/1B7D3�>/@B717>/B7=<�,3�/:A=�/1B7D3:G�>/@B717>/B3�7<

B63�:=1/:�<3BE=@9�=4�B63��:=0/:��=;>/1B�$3BE=@9� />/<

����*$��:=0/:��=;>/1B�7A�B63�7<7B7/B7D3�/2D=1/B32�0G�4=@;3@�*$�(31@3B/@G�3<3@/:��<</<�/<2�1=;;/<2A

5:=0/:�1=;>/<73A�B=�/0723�0G�/<2�>@/1B713� ��>@7<17>:3A�4=@�6C;/<�@756BA��:/0=@��3<D7@=<;3<B��/<2�>@3D3<B7=<

=4�1=@@C>B7D3�>@/1B713A

��AAAA==1177//BB77==<<��EE77BB66��BB6633��**$$����::==00//::����==;;>>//11BB

))6633��))33<<��&&@@77<<1177>>::33AA��==44��BB6633��**$$����::==00//::����==;;>>//11BB

��CC;;//<<��''775566BBAA

O&@7<17>:3� ���CA7<3AA3A�A6=C:2�AC>>=@B�/<2�@3A>31B�B63�>@=B31B7=<�=4�7<B3@</B7=</::G�>@=1:/7;32�6C;/<�@756BA

O&@7<17>:3����;/93�AC@3�B6/B�B63G�/@3�<=B�1=;>:717B�7<�6C;/<�@756BA�/0CA3A

""//00==CC@@

O&@7<17>:3�����CA7<3AA3A�A6=C:2�C>6=:2�B63�4@332=;�=4�/AA=17/B7=<�/<2�B63�34431B7D3�@31=5<7B7=<�=4�B63�@756B�B=�1=::31B7D3

0/@5/7<7<5

O&@7<17>:3����B63�3:7;7</B7=<�=4�/::�4=@;A�=4�4=@132�/<2�1=;>C:A=@G�:/0=C@

O&@7<17>:3����B63�34431B7D3�/0=:7B7=<�=4�167:2�:/0=C@

O&@7<17>:3����B63�3:7;7</B7=<�=4�27A1@7;7</B7=<�7<�@3A>31B�=4�3;>:=G;3<B�/<2�=11C>/B7=<

��<<DD77@@==<<;;33<<BB

O&@7<17>:3�����CA7<3AA3A�A6=C:2�AC>>=@B�/�>@31/CB7=</@G�/>>@=/16�B=�3<D7@=<;3<B/:�16/::3<53A

O&@7<17>:3����C<23@B/93�7<7B7/B7D3A�B=�>@=;=B3�5@3/B3@�3<D7@=<;3<B/:�@3A>=<A707:7BG

O&@7<17>:3����3<1=C@/53�B63�23D3:=>;3<B�/<2�2744CA7=<�=4�3<D7@=<;3<B/::G�4@73<2:G�B316<=:=573A

��<<BB77��==@@@@CC>>BB77==<<

O&@7<17>:3� ����CA7<3AA3A�A6=C:2�E=@9�/5/7<AB�1=@@C>B7=<�7<�/::�7BA�4=@;A��7<1:C27<5�3FB=@B7=<�/<2�0@703@G

'3:/B7=<A67>�03BE33<�B63� ��&@7<17>:3A�/<2�B63�#(�����<AC@/<13��@=C>��1B7D7B73A

*$��:=0/:��=;>/1B�$3BE=@9� />/<�� />/<3A3�=<:G�

ここ

CSR in the MS&AD Insurance Group > Participation to Initiatives and External Evaluation

24

((7755<<//BBCC@@33��BB==��&&@@77<<1177>>::33AA��44==@@��((CCAABB//77<<//00::33����<<AACC@@//<<1133

)63�#(�����<AC@/<13��@=C>�6/A�>/@B717>/B32�7<�B63�*<7B32�$/B7=<A��<D7@=<;3<B

&@=5@/;;3��7</<13��<7B7/B7D3A��*$�&�����B=�A3/@16��>@3D/7:�/<2�>@=;=B3�/�23A7@/0:3

0CA7<3AA�7<�/�47</<17/:�7<AB7BCB7=<�B6/B�1=<A723@A�B63�3<D7@=<;3<B�/<2�ACAB/7</07:7BG

�<� C<3��� ���*$�&����>C0:7A632�B63��&@7<17>:3A�4=@�(CAB/7</0:3��<AC@/<13���@3?C7@7<5

7<AC@/<13�1=;>/<73A�B=�1=<A723@�7<�B637@�0CA7<3AA�/1B7D7B73A�7AAC3A�@3:/B32�B=�B63

3<D7@=<;3<B��A=173BG�/<2�5=D3@</<13�/<2�B=�>:/G�B637@�@=:3A�7<�23D3:=>7<5�/�ACAB/7</0:3

E=@:2

)63�#(�����<AC@/<13��@=C>�6/A�>/@B717>/B32�7<�7BA�7;>:3;3<B/B7=<�/<2�A75<32�B=�3<2=@A3�B63�>@7<17>:3A

((7755<<//BBCC@@33��BB==��BB6633��&&@@77<<1177>>::33AA��44==@@��''33AA>>==<<AA7700::33����<<DD33AABB;;33<<BB

�<� C<3��� ���B63�#(�����<AC@/<13��@=C>�A75<32�B63�&@7<17>:3A�4=@

'3A>=<A70:3��<D3AB;3<B��E6716�1/::�4=@�1=<A723@/B7=<�=4��(�

�3<D7@=<;3<B/:��A=17/:��/<2�5=D3@</<13��7AAC3A�7<�B63�2317A7=<�;/97<5

>@=13AA�CA32�4=@�7<D3AB;3<B�/1B7D7B73A�#=D7<5�4=@E/@2��E3�E7::�1=<B7<C3�B=

/2D/<13�1=<AB@C1B7D3�27/:=5C3�0/A32�=<�/<��(��>3@A>31B7D3��/A�E3::�/A

27A1CAA7=<�B=E/@2�B63�@3/:7H/B7=<�=4�7<D3AB;3<B�/<2�:=/<�/1B7D7B73A�B6/B�1=<A723@��(��7AAC3A

((7755<<77<<55��BB6633��$$//BBCC@@//::����//>>77BB//::����3311:://@@//BB77==<<

�<� C:G��� ���B63�#(�����<AC@/<13��@=C>�A75<32�B63�$/BC@/:��/>7B/:��31:/@/B7=<�B6/B�231:/@32�47</<17/:�7<AB7BCB7=<A�E=C:2

7<1=@>=@/B3�B63�1=<13>B�=4�</BC@/:�1/>7B/:�7<B=�B637@�47</<17/:�>@=2C1BA�/<2�A3@D713A�4=@�B63�� AB�13<BC@G�)67A�231:/@/B7=<

7A�/2D=1/B32�0G�B63�*<7B32�$/B7=<A��<D7@=<;3<B/:�&@=5@/;��7</<13��<7B7/B7D3��*$�&�����/<2�AB7>C:/B3A�B6/B�3<2=@A7<5

47</<17/:�7<AB7BCB7=<A�A6/::�23;=<AB@/B3�:3/23@A67>�7<�>3<3B@/B7=<�/<2�7;>:3;3<B/B7=<�=4�B63�231:/@/B7=<�B6@=C56

3<5/53;3<B�E7B6�B637@�1CAB=;3@A��7<D3AB33�1=;>/<73A��AC>>:73@A��17D7:�A=173BG��/<2�=B63@�AB/936=:23@A

((7755<<//BBCC@@33��BB==��&&@@77<<1177>>::33AA��44==@@����77<<//<<1177//::����11BB77==<<��BB==EE//@@22AA��//��((CCAABB//77<<//00::33��((==117733BBGG

�<�%1B=03@��� ���&@7<17>:3A�4=@��7</<17/:��1B7=<�B=E/@2A�/�(CAB/7</0:3�(=173BG��&@7<17>:3A�4=@��7</<17/:��1B7=<�4=@�B63

� AB��3<BC@G���/<2���C723:7<3A�0G��CA7<3AA3A���<AC@/<13��23>=A7B�:=/<�:3/A3��4C<2�;/</53;3<B�A31C@7BG�7<D3AB;3<B

0/<97<5���E3@3�>C0:7A632�7<� />/<�)63A3�>@7<17>:3A�E3@3�23A75<32�B=�>@=D723�036/D7=@/:�5C723:7<3A�4=@�47</<17/:

7<AB7BCB7=<A�B6/B�23A7@3�B=�4C:47::�B637@�@=:3A�/<2�;/7<B/7<�B637@�@3A>=<A707:7BG�B=�0C7:2�/�ACAB/7</0:3�A=173BG

#(��������#(���7=7�"743�/<2��<B3@'7A9�'3A3/@16��<AB7BCB3����=<AC:B7<5�A75<32�B63�>@7<17>:3A

&&//@@BB771177>>//BB77==<<��77<<��BB6633������&&����44==@@;;33@@::GG��99<<==EE<<��//AA��BB6633����//@@00==<<����77AA11::==AACC@@33��&&@@==883311BB��

)63���&��4=@;3@:G�9<=E<�/A�B63��/@0=<��7A1:=AC@3�&@=831B��7A�/<�7<23>3<23<B�<=<>@=47B�=@5/<7H/B7=<�E7B6�B63�E=@:2�A

:/@53AB�2/B/0/A3�4=@�1=@>=@/B3�;3/AC@3A�/5/7<AB�1:7;/B3�16/<53A��/<2�1=@>=@/B7=<A�/<2�=@5/<7H/B7=<A�/1@=AA�B63�E=@:2

6/D3�;/23�>C0:71�B637@�3;7AA7=<A�=4�5@33<6=CA3�34431B�5/A3A�/<2�;3/AC@3A�/5/7<AB�1:7;/B3�16/<53�B6@=C56���&�)63

#(�����<AC@/<13��@=C>�AC0A1@703A�B=�7BA�/>>@=/163A�/<2�1=<B7<C=CA:G�AC0;7BA��%��3;7AA7=<�2/B/

&&@@77<<1177>>::33AA��44==@@��''33AA>>==<<AA7700::33����<<AABB77BBCCBB77==<<//::����<<DD33AABB==@@AA��MM //>>//<<JJAA��((BB33EE//@@22AA6677>>����==2233NN

�<�#/G��� ���#(��/<2�����/AA3<B32�B=�B63�;/7<�723/�=4� />/<JA�(B3E/@2A67>��=23�4@=;�B63�>3@A>31B7D3�=4�4C:47::7<5�A=17/:

@3A>=<A707:7BG�/<2�/<<=C<132�B637@�AC>>=@B

ここ

CSR in the MS&AD Insurance Group > Participation to Initiatives and External Evaluation

25

��FFBB33@@<<//::����DD//::CC//BB77==<<

(=17/::G�'3A>=<A70:3��<D3AB;3<B��('���7A�/�;3B6=2�=4�7<D3AB7<5�B6/B�/AA3AA3A�B63�1=;>/<G�<=B�=<:G�B6@=C56�>@=47B/07:7BG

0CB�4@=;�/�D73E>=7<B�=4��=@>=@/B3�(=17/:�'3A>=<A707:7BG���('��/<2�B67A�>@/1B713�7A�A>@3/27<5�)63�#(�����<AC@/<13

�@=C>�CB7:7H3A�B63�/AA3AA;3<B�>@=D7232�0G�;/8=@�('��3D/:C/B7=<�=@5/<7H/B7=<A�B=�7;>@=D3�7BA�/>>@=/163A��A�=4� C:G��� ��

B63�#(�����<AC@/<13��@=C>�7A�7<1:C232�7<�B63�4=::=E7<5�1=;>=<3<BA�=4�('���<23F

�=E� =<3A�(CAB/7</07:7BG��<2713A

#(��� />/<��(��(3:31B�"3/23@A��<23F

�)(���==2��<23F�(3@73A

�)(���:=AA=;� />/<��<23F

#=@<7<5AB/@�(=17/::G�'3A>=<A70:3��<D3AB;3<B��<23F�#(('���� />/<3A3�=<:G�

��&�I��<2713A

��)����$�"*(�%$�%��)63�#(�����<AC@/<13��@=C>��$��$.�#(����$��-�(���$��)���*(��%��#(���"%�%(�

)'���#�'!(��(�'+����#�'!(�%'��$��-�$�#�(���'�$���%�$%)��%$()�)*)����(&%$(%'(��&���$�%'(�#�$)

%'�&'%#%)�%$�%��)63�#(�����<AC@/<13��@=C>��.�#(���%'��$.�%���)(�����"��)�(�)���#(����$��-�(��'�

)����-�"*(�+��&'%&�').�%��#(���#(����$��)���#(����$��-�$�#�(��$��"%�%(��'��)'���#�'!(�%'

(�'+����#�'!(�%��#(���%'��)(�����"��)�(

ここ

CSR in the MS&AD Insurance Group > Participation to Initiatives and External Evaluation

26

��EE//@@22AA

#7<7AB3@�=4�B63��<D7@=<;3<B��E/@2�=4�K�C;/<�'3A=C@13A��3D3:=>;3<B��=@>=@/B7=<��E/@2�4=@�B63��<D7@=<;3<B��� �L

0G�#7<7AB@G�=4��<D7@=<;3<B�P#/G��� ���#(�����=:27<5AQ

�<7B7/B7D3A�=4�BE=�1=;>/<73A�7<�B63�#(�����@=C>�=0B/7<32�K />/<�'3A7:73<13��E/@2A��� �L�/E/@2�P#/@16��� ��

#(�����=:27<5AQ

#(����*<7A=<�(;7:3��:C0�=0B/7<32�4=@�B63��<2��=@>=@/B3�+=:C<B33@��E/@2P#/@16��� ���#(�����=:27<5AQ

(>=@BA�>@=;=B7<5�;=23:�1=;>/<G�7<�)=9G=�7<�47A1/:��� �P#/@16��� ������Q

)6@33�1=;>/<73A�7<�B63�#(�����@=C>�=0B/7<32�13@B7471/B7=<�=4�K�3@B74732��3/:B6�/<2�&@=2C1B7D7BG�#/</53;3<B

%@5/<7H/B7=<�'31=5<7B7=<�&@=5@/;��,67B3�����L�P�30@C/@G��� ��#(�����=:27<5AQ

)63�#(�����<AC@/<13��@=C>�'3137D32�'=031=(�#

(CAB/7</07:7BG��E/@2AK�@=<H3��:/AAL�/<2�K�<2CAB@G�#=D3@L

P�30@C/@G��� ��#(�����=:27<5AQ

)63�8C@G�A�A>317/:�/E/@2�7<�B63��B6��97;=<=$757E/7��=@>=@/B3��1B7D7B73A�P /<C/@G��� ���#(�Q

�F13::3<B�&@7H3�4=@�>@=;=B7<5�B63�/2D/<13;3<B�=4�>/@BB7;3�E=@93@AP /<C/@G��� ������Q

)6@33�AB/@A��B63�67563AB�@/B7<5A�=4�0G�������3:>��3A9��<AB7BCB3��@/B7<5�03<16;/@9A�4=@�;=<7B=@7<5��)3:3>6=<3�1/::

6/<2:7<5�P /<C/@G��� ������Q

K)=9G=�(>=@BA�&@=;=B7=<��=;>/<GL��/�A=:3�1=<A31CB7D3�BE=�G3/@A�=<:G�13@B74732�1=;>/<G�7<�B63�<=<:743�7<AC@/<13

7<2CAB@G�7<�8/>/<P�313;03@��� �����Q

AB�>:/13�7<�%@71=<��CAB=;3@�(/B7A4/1B7=<��E/@2�=4�#=B=@1G1:3�7<AC@/<13P�313;03@��� ���#7BAC7��7@31B��3<3@/:Q

'3137D3�B6@33�AB/@A�E6716�7A�B63�67563AB�A1=@3�7<�@/B7<5A�=4�0G�������3:>��3A9��<AB7BCB3��@/B7<5�4=@��=<B/1B�>=:71G�

#=<7B=@7<5��/<2�,30�(C>>=@BP$=D3;03@��� ���#(���7=7�"743Q

K�<AC@3@��:/7;A�)3/;�=4�B63�.3/@���:/7;A��E/@2A��A7/&/17471�� �L�P%1B=03@��� ���#(�Q

*�����E/@2�7<�1=<A31CB7D3�BE=�G3/@A�4=@�B63�47@AB�B7;3�7<�B63�27@31B�<=<:743�7<AC@/<13�7<2CAB@G�7<� />/<��<7B7/B7D3A

4=@�@3D73E�=4�B63��;>=@B/<B�$=B713�E3@3�6756:G�3D/:C/B32�P%1B=03@��� ��#7BAC7��7@31B��3<3@/:Q

)6@33�AB/@A��B63�67563AB�A1=@3�7<�@/B7<5A�=4�0G�������3:>��3A9��<AB7BCB3��@/B7<5�4=@��=<B/1B�&=7<B�/<2�,30�(C>>=@B

P(3>B3;03@��� ���#(��

)6@33�AB/@A��B63�67563AB�A1=@3�7<�@/B7<5A�=4�0G�������3:>��3A9��<AB7BCB3��@/B7<5�4=@��=<B/1B�&=7<B�/<2�,30�(C>>=@B

P(3>B3;03@��� ���#(��#7BAC7��7@31B��3<3@/:�

�=<B/1B��3<B3@�@3137D32�A>317/:�/E/@2�=4� />/<��<AB7BCB3�=4��<4=@;/B7=<�)316<=:=5G���C5CAB��� ���#(��

��CA7<3AA�1=<B7<C7BG�7<7B7/B7D3A�=4�BE=�1=;>/<73A�7<�B63��@=C>�E3@3�D/:C32��)63G�=0B/7<32�K />/<�'3A7:73<13

�E/@2L���C5CAB��� ���#(������

ここ

CSR in the MS&AD Insurance Group > Participation to Initiatives and External Evaluation

27

88

��3322**((,,$$��--%%��22''$$����00--33..

�0$1$,21�2'$�-32*(,$� ,#�1203"230$�-%�2'$������

�,130 ,"$��0-3.��%(, ,"( *�12 2$+$,2�'(&'*(&'21�� ,#�2'$

#$4$*-.+$,2�-%�&0-3.�!31(,$11

��--00..--00 22$$����--44$$00,, ,,""$$

�$�' 4$�$12 !*(1'$#� �+ , &$+$,2�%0 +$5-0)�$/3(..$#

5(2'�20 ,1. 0$,"7� ,#�(,2$0, *�"'$")(,&�%3,"2(-,1�� ,#

0$�120(4(,&�2-�'$(&'2$,�-30�"-0.-0 2$�4 *3$�%-0�2'$

.30.-1$�-%�*-,&�2$0+�12 !(*(27� ,#� #4 ,"$+$,2

��--++..**(( ,,""$$

� "'� ,#�$4$07�-,$�-%�-30�-%%("$01� ,#�$+.*-7$$1�%-**-51

* 51��0$&3* 2(-,1�� ,#�(,2$0, *�03*$1�� ,#�$,& &$1�(,

!31(,$11� "2(4(2($1�&0-3,#$#�(,� �)$$,�1$,1$�-%�$2'("1

�-+.*( ,"$

�,%-0+ 2(-,�� , &$+$,2

�$1.-,1(!(*(2($1�(,��0 ,1 "2(-,1

��((11))���� ,, &&$$++$$,,22

�$�' 4$�.-1(2(-,$#�0(1)�+ , &$+$,2� 1� �)$7�2 1)�-%�2'$

�0-3.�1�+ , &$+$,2�� ,#� 0$�2 )(,&� ..0- "'$1�2-

$,130$�-30� !(*(27�2-�%3*%(**�-30�0$1.-,1(!(*(2($1�2-� **�-%�-30

12 )$'-*#$01

��,,%%--00++ 22((--,,����((11""**--113300$$

�$�2'-0-3&'*7�.32�2'$�#(1"*-130$�03*$1�(,�.0 "2("$� 1�1$2

%-02'�!7�2'$��(, ,"( *��,1203+$,21��6"' ,&$� ,#� 0$

#(1"*-1(,&�(,%-0+ 2(-,�1-�2' 2�0$1.$"2(4$�12 )$'-*#$01

" ,�' 4$� �"-00$"2�3,#$012 ,#(,&�-%�2'$�203$�12 231

5(2'-32�#$* 7

�������,130 ,"$��0-3.�� 1("��-*("($1�%-0

�(1"*-130$

�(1"*-130$�-%��,%-0+ 2(-,� ,#��,4$12-0��$* 2(-,1�����

��''$$����$$##((33++����$$00++���� ,, &&$$++$$,,22����** ,,

�30�+$#(3+�2$0+�+ , &$+$,2�.* ,����$62��' **$,&$

������%(1" *�� ���������5'("'�"-++$,"$#�-,��.0(*���

�� ��$,2$0$#��2 &$���(,��.0(*������$� 0$�+ )(,&�

"-**$"2(4$�$%%-02�2-� "'($4$�2 0&$21�2-5 0#��"0$ 2(-,�-%�

5-0*#�*$ #(,&�(,130 ,"$� ,#�%(, ,"( *�1$04("$1�&0-3.�

ここ

Corporate Governance

28

��������� �"$!������!�$ �"$ �!#"�#����$"���""������������#�%�#��"�����#"��$"#���!"�&�#��#��������!�$����� �����#'�����#"

�!�$ ���� ����"�

��$$##��������

��� ��'��%�!%��&

�!����(�#�������!#

��"#�!'

����������������������������������##""

�!�"��#"�#��������������#�!"������$"���""� �!��!�����

���������������"�

��!!��$$ ����##!!$$��##$$!!��

�!�"��#"��!����(�#������"#!$�#$!�����#�������

�"$!������!�$ �

��$$""������""""��������������##������������##!!$$��##$$!!��

�!�"��#"�#����$"���""��%�!���� ��#$!���!�%��$��"#!$�#$!��

����#���"#!$�#$!�����#���������!�$ ���� ����"�

ここ

Corporate Governance > Outline of the Group

29

�!�����1685%1')��5283��2/(-1+6���1'��-6�7,)�-1685%1')�,2/(-1+�'203%1<�2*�7,)�1):��5283�*250)(�-1��35-/����7,528+,�7,)

0)5+)5�2*��-2-��1685%1')��2����7(����-66%<��2:%��)1)5%/��1685%1')��2����7(���%1(��-768-�!80-7202��1685%1')��5283�

",)�385326)�2*��!����-1685%1')��5283�-6�72�%',-)9)�6867%-1%&/)�+52:7,�%1(�72�)1,%1')�)17)535-6)�9%/8)�7,528+,�7,)

'5)%7-21�2*�%�:25/(�'/%66�-1685%1')�%1(�*-1%1'-%/�6)59-')6�+5283�7,%7�23)5%7)6�+/2&%//<��&<�5%3-(/<�%1(�6-+1-*-'%17/<�-03529-1+

48%/-7<�%1(�);3%1(-1+�-76�23)5%7-1+�35)6)1')�%1(�'25325%7)�5)6285')6�

�25325%7)��%0)�!�����1685%1')��5283��2/(-1+6���1'�

�&&5)9����!�����2/(-1+6

�%7)��67%&/-6,)( �35������ ���%0)�',%1+)(�-1��35�������

�)%(48%57)56

"2.<2�!80-7202�":-1��8-/(-1+��#)67�"2:)5�

����!,-1.%:%��',20)���,82�.8��"2.<2���%3%1

�%3

)35)6)17%7-9) $%68<26,-��%5%6%:%�� )35)6)17%7-9)��-5)'725���5)6-()17������

�%-(�-1��%3-7%/ ���������������<)1

�80&)5�2*��03/2<))6 �����6�2*��%5',�������

�86-1)66��)6'5-37-21

�85�%'7-9-7-)6�%6�%1�-1685%1')�,2/(-1+�'203%1<�%5)�

���%1%+)0)17�2*�121�/-*)�%1(�/-*)�-1685%1')�'203%1-)6�%1(�'203%1-)6�48%/-*-)(�72

&)'20)�68&6-(-%5-)6�81()5�-1685%1')�&86-1)66�/%:�

���1<�&86-1)66�%662'-%7)(�:-7,�35)9-286�&2(<�

!72'.��-67-1+"2.<2�!72'.��;',%1+)���-567�!)'7-21�

�%+2<%�!72'.��;',%1+)���-567�!)'7-21�

ここ

Corporate Governance > Outline of the Group > Company Overview

30

ここ

Corporate Governance > Outline of the Group > Organizational Chart

31

���� (($$..,,11++!!��,,##����..,,11--����++00""$$..��00&&,,++

��&&//00,,..55��,,##����,,))!!&&++$$//

-.&)����

�&0/1&��1*&0,*,��+/1.�+ "��.,1-��,)!&+$/���+ ��&/�&+ ,.-,.�0"!�

�&0/1&��1*&0,*,��+/1.�+ "��.,1-��,)!&+$/���+ ���&/0"!�,+��,(5,��0, (��4 %�+$"��+!��/�(���" 1.&0&"/

�4 %�+$"��+!���$,5���0, (��4 %�+$"�

�"-0"*�".����

&,&��+/1.�+ "��,����0!����&//�5��,3���"+".�)��+/1.�+ "��,����0!����+!��&0/1&��1*&0,*,��+/1.�+ "

�.,1-��,)!&+$/���+ ��."� %���/& ��$.""*"+0�,+��1/&+"//�&+0"$.�0&,+�

�+� ,+'1+ 0&,+���++,1+ "!�&+0"$.�0&,+�-)�+��-."/&!"+0�,#�0%"�%,)!&+$� ,*-�+5���!!."//��!"/ .&-0&,+/��+!

,.-,.�0"�+�*"��"0 �

ここ

Corporate Governance > Outline of the Group > History

32

-.&)����&0/1&��1*&0,*,��+/1.�+ "��.,1-��,)!&+$/���+ �� %�+$"!�&0/�+�*"�0,���� ���+/1.�+ "��.,1-��,)!&+$/�

�+ �

� 0,�".��� &,&��+/1.�+ "��,����0!���+!��&//�5��,3���"+".�)��+/1.�+ "��,����0!��*".$"!�&+0,�� &,&��&//�5��,3�

�+/1.�+ "��,����0!��

-.&)����� ���+/1.�+ "��.,1-��,)!&+$/���+ �� ,+2".0"!��&0/1&��1*&0,*,��"0�&#"��+/1.�+ "��,����0!��&+0,��

3%,))5�,3+"!�/1�/&!&�.5��+!�."+�*"!�&0��&0/1&��1*&0,*,��.&*�.5��&#"��+/1.�+ "��,*-�+5���&*&0"!

� 0,�".���&0/1&��1*&0,*,��&.�*"(&��&#"��+/1.�+ "��,����0!���+!� &,&��&#"��+/1.�+ "��,����0!��*".$"!�&+0,���&0/1&

�1*&0,*,� &,&��&#"��,����0!��

�&/0,.5�,#��&0/1&��1*&0,*,��+/1.�+ "��)&+(�0,�3"�/&0"�

ここ

Corporate Governance > Outline of the Group > History

33

< �0.1"/:��7&37*&8

�������0-%*/(4�*4�"�-*45&%�)0-%*/(�$0.1"/:�8*5)�'*7&�%*3&$5-:�*/7&45&%��3061�*/463"/$&�$0.1"/*&4�*/��"1"/��*546*��6.*50.0

�/463"/$&��0����5%����������*0*��*44":��08"��/463"/$&��0����5%����������*546*��*3&$5��&/&3"-��/463"/$&��0����5%����*546*��*3&$5��

�*546*��6.*50.0��*0*��*'&��/463"/$&��0����5%��������*0*��*'&��"/%��*546*��6.*50.0��3*."3:��*'&��/463"/$&��0����5%������

�3*."3:��*'&���"/%�&*()5�"''*-*"5&%�01&3"5*/(�$0.1"/*&4��/5&3�*4,��&4&"3$)��/45*565&����0/46-5*/(���/$��������� 64*/&44

�611035��0����5%����������5"''*/(��&37*$&��0����5%����������:45&.4��0����5%��������� 64*/&44��&37*$&��0����5%��������

�&4&"3$)��/45*565&��0����5%����������0"/��&37*$&4��0����5%��"/%��������������0����5%�

��������������//446633""//$$&&����33006611����00--%%**//((44������//$$��

����������������������������������������������������������������������������������

)551888�.4�*/4�$0.&/(-*4)���/(-*4)�

�&410/4*#-&�'03�/0/�-*'&�*/463"/$&�#64*/&44��8)*$)�*4�"�$03&�#64*/&44�0'�5)&��������/463"/$&��3061������*4

&9&3$*4*/(�*54�$0.13&)&/4*7&�$"1"#*-*5*&4�50�0''&3�*/463"/$&�"/%�'*/"/$*"-�4&37*$&4�#64*/&44�(-0#"--:�

�65-*/&

�������������������� ��������������������������������������������������������������

)551888�"*0*/*44":%08"�$0�+1&/(-*4)���/(-*4)�

�&410/4*#-&�'03�/0/�-*'&�*/463"/$&�#64*/&44��8)*$)�*4�"�$03&�#64*/&44�0'�5)&��������/463"/$&��3061������*4

-&7&3"(*/(�*54�4530/(�3&-"5*0/4)*14�8*5)�5)&��0:05"��3061�"/%�5)&��*110/��*'&��3061�"/%�&/("(*/(�*/�#64*/&44

#"4&%�0/�$-04&�3&-"5*0/4)*14�8*5)�-0$"-�$0..6/*5*&4�

�65-*/&

����������������������������������������������������������������������������������������**554466**����**33&&$$55����&&//&&33""--��

)551888�.*546*�%*3&$5�$0�+1���"1"/&4&��/-:�

�*546*��*3&$5��&/&3"-�*4�"�/0/�-*'&�*/463"/$&�$0.1"/:�5)"5�41&$*"-*;&4�*/�%*3&$5-:�4&--*/(�1&340/"-�70-6/5"3:

"650.0#*-&�*/463"/$&�50�$6450.&34�7*"�5)&��/5&3/&5�"/%�1)0/&�$"--4�

�65-*/&

��������������������������������������������������������������������������������������������������������**00**����**''&&��

)551888�.4"�-*'&�$0�+1���"1"/&4&��/-:�

�����*0*��*'&�*4�"�-*'&�*/463"/$&�$0.1"/:�5)"5�0''&34�1305&$5*0/�5:1&�-*'&�*/463"/$&�130%6$54��8)*-&�-&7&3"(*/(

5)&��3061�4�."3,&5*/(�/&5803,�"/%�$6450.&3�#"4&���)&�$0.1"/:�*4�3&"-*;*/(�"�(3085)�.0%&-�5)"5�*/70-7&4�"

$0.#*/"5*0/�0'�453"5&(*&4�50�65*-*;&�6/*26&�."3,&5*/(�$)"//&-4�

�65-*/&

ここ

Corporate Governance > Outline of the Group > Group Structure

34

�������������������������������������������� ����������������������������������������������������������������33**..""33::����**''&&��

)551888�.4�13*."3:�$0.���"1"/&4&��/-:�

�1&$*"-*;*/(�*/�5)&�07&3�5)&�$06/5&34"-&4�7*"�'*/"/$*"-�*/45*565*0/4�������3*."3:��*'&�*4�"�-*'&�*/463"/$&

$0.1"/:�5)"5�0''&34�"44&5�#6*-%*/(�130%6$54�$&/5&3&%�0/�*/%*7*%6"-�"//6*5:�*/463"/$&�"/%�8)0-&�-*'&

*/463"/$&�

�65-*/&

��**33&&$$55--::����//77&&4455&&%%����''''**--**""55&&%%����11&&33""55**//((����00..11""//**&&44

��//55&&33��**44,,����&&44&&""33$$))����//4455**556655&&��������00//4466--55**//((������//$$�� )551888�*33*$�$0�+1���"1"/&4&��/-:�

�/5&3�*4,��&4&"3$)��/45*565&����0/46-5*/(�*4�0/&�0'�5)&�."+03�3*4,�$0/46-5*/(�$0.1"/*&4�*/��"1"/���5

1307*%&4�$0.1"/*&4�"/%�(07&3/.&/5�&/5*5*&4�8*5)�$0/46-5*/(��3*4,�4637&:��3&4&"3$)�"/%�*/7&45*("5*0/�

*/'03."5*0/�1307*4*0/�"/%�05)&3�4&37*$&4�3&-"5&%�50�%*7&34&�,*/%4�0'�3*4,4�

�*5)�07&34&"4�#"4&4�*/��*/("103&���)"*-"/%���)*/"��"/%� &3.6%"��5)&�$0.1"/:�*4�4&&,*/(�50�1307*%&�3*4,

40-65*0/4�5)306()065�5)&�803-%�

�65-*/&

������������ 6644**//&&4444����661111003355����00��������55%%�� )551888�.4�"%�#4�$0�+1*/%&9�)5.-���"1"/&4&��/-:�

������ 64*/&44��611035�1307*%&4�5)&��������/463"/$&��3061�8*5)�46$)�*/'3"4536$563&�4611035�"4

13*/5*/(�"/%�-0(*45*$4�"/%�"-40�1307*%&4�&.1-0:&&�8&-'"3&�4&37*$&4�"/%�3&"-�&45"5&�."/"(&.&/5�4&37*$&4�

&5$�

�65-*/&

��������������55""''''**//((����&&3377**$$&&����00��������55%%�� )551888�.4�"%�45"''*/(�$0�+1���"1"/&4&��/-:�

�4�5)&��������/463"/$&��3061�4�$0.13&)&/4*7&�)6."/�3&4063$&�$0.1"/:���������5"''*/(��&37*$&

1307*%&4�&"$)��3061�$0.1"/:�8*5)�)6."/�3&4063$&�4&37*$&4�"/%�"-40�%*41"5$)&4�"/%�*/530%6$&4�45"''

50�*/463"/$&�"(&/$*&4�"/%�05)&3�$6450.&34�

�65-*/&

��������������::4455&&..44����00��������55%%�� )551888�.4�"%�4:45&.4�$0.���"1"/&4&��/-:�

�������:45&.4�46110354�&"$)��������/463"/$&��3061�$0.1"/:�#:�5",*/(�3&410/4*#*-*5:�'03

*/'03."5*0/�4:45&.4�453"5&(:�"/%�#:�1-"//*/(��%&4*(/*/(��%&7&-01*/(��"/%�01&3"5*/(�*/'03."5*0/�4:45&.4�

�65-*/&

������������ 6644**//&&4444����&&3377**$$&&����00��������55%%�� )551888�.4�"%�+*.4�$0.���"1"/&4&��/-:�

ここ

Corporate Governance > Outline of the Group > Group Structure

35

������ 64*/&44��&37*$&�%&-*7&34�$0/53"$5�"%.*/*453"5*0/�4&37*$&4��4&37*$&4�3&-"5&%�50�%"5"�&/53:��5)&

$3&"5*0/�0'�%0$6.&/54�"/%�'03.4��"/%�05)&3�4&37*$&4�50��������/463"/$&��3061�$0.1"/*&4�

�65-*/&

��������������&&44&&""33$$))����//4455**556655&&����00��������55%%�� )551888�.4"%3*�+1$0.1"/:!&���/(-*4)�

�4�"�3&4&"3$)�*/45*565&�*/�5)&��������/463"/$&��3061���������&4&"3$)��/45*565&�6/%&35",&4�456%*&4

"/%�3&4&"3$)�*/�46$)�'*&-%4�"4�*/463"/$&��'*/"/$&��40$*"-�4&$63*5:�"/%�05)&3�40$*0�&$0/0.*$�'*&-%4��"/%

3*4,�."/"(&.&/5�

�65-*/&

��������������00""//����&&3377**$$&&44����00��������55%%�� )551888�.4�"%�-4�$0�+14*5&*/%&9���"1"/&4&��/-:�

�������0"/��&37*$&4�1307*%&4�$6450.&34�8*5)*/�5)&��3061�8*5)�"%.*/*453"5*0/�4&37*$&4�'03

*/7&45.&/54��-0"/4�"/%�.035("(&�(6"3"/5&&�*/463"/$&��$3&%*5�(6"3"/5&&�4&37*$&4��"/%�-0"/�4&37*$&4�'03

*/%*7*%6"-4�

�65-*/&

��������������������������00��������55%%�� )551888�"/4)*/�%*"-�+1���"1"/&4&��/-:�

�4�"�501�26"-*5:�$"--�$&/5&3�41&$*"-*;*/(�*/�"44*45"/$&�4&37*$&4��������������1307*%&4�46$)�4611035

4&37*$&4�"4�30"%4*%&�"44*45"/$&�"/%�)0.&�"44*45"/$&�

�65-*/&

ここ

Corporate Governance > Outline of the Group > Group Structure

36

����������������������������������

������������������������������

ここ

Corporate Governance > Outline of the Group > Who We Are:Business Segments and Structure

37

������������������������������������������������

ここ

Corporate Governance > Outline of the Group > Who We Are:Business Segments and Structure

38

�5G=7�*C@=7=9G�CB��CFDCF5H9�!CJ9FB5B79

+9GDCBG9G�HC����*F=B7=D@9G�C:�H<9��CFDCF5H9�!CJ9FB5B79��C89

!FCID�'5B5;9A9BH�5B8�#BH9FB5@��CBHFC@�,MGH9AG

#BH9FB5@��CBHFC@�,MGH9AG

�CFDCF5H9�!CJ9FB5B79�+9DCFH��@5GH�ID85H9���$IB������������� �'��

��55GG==77��**CC@@==77==99GG��CCBB����CCFFDDCCFF55HH99��!!CCJJ99FFBB55BB7799

#B�@=B9�K=H<�=HG��CFDCF5H9�*<=@CGCD<M��'=GG=CB���',�����5G�5�<C@8=B;�7CAD5BM�CJ9FG99=B;�5@@�;FCID�6IG=B9GG9G��<5G

9GH56@=G<98�5�A5B5;9A9BH�:F5A9KCF?�H<5H�9BGIF9G�HF5BGD5F9BH��:5=F��GK=:H�5B8�897=G=J9�897=G=CB�A5?=B;�H<5H�H5?9G�=BHC

577CIBH�H<9�GH5B8DC=BH�C:�5@@�GH5?9<C@89FG �-<9��CAD5BM�G�C6>97H=J9G�5F9�HC�GIGH5=B�GH56=@=HM�5B8�7CBG=GH9BH�;FCKH<�CJ9F

H<9�@CB;�H9FA�6M�IG=B;�7CFDCF5H9�F9GCIF79G�9::=7=9BH@M�5B8�A5B5;=B;�F=G?G�DFCD9F@M�5B8�I@H=A5H9@M��HC�:IFH<9F�=B7F95G9

9BH9FDF=G9�J5@I9

-C�H<=G�9B8��H<9�R',����#BGIF5B79�!FCID��CFDCF5H9�*<=@CGCD<M��'=GG=CB����CFDCF5H9�/=G=CB��5B8�/5@I9GS�K9F9

:CFAI@5H98�5G�GCA9H<=B;�5@@�C::=79FG�5B8�9AD@CM99G�C:�H<9�!FCID�G<CI@8�58<9F9�HC�=B�5@@�G=HI5H=CBG �#B�588=H=CB�HC�KCF?=B;

HC�8=GG9A=B5H9�H<9G9�DF=B7=D@9G�5ACB;�5@@�C::=79FG�5B8�9AD@CM99G�C:�H<9��CAD5BM�5B8�=HG�!FCID�7CAD5B=9G��7CFDCF5H9

;CJ9FB5B79��7CAD@=5B79��5B8�F=G?�A5B5;9A9BH�5F9�DCG=H=CB98�5G�=ADCFH5BH�A5B5;9A9BH�=GGI9G�=B�H<9�A98=IA�H9FA

A5B5;9A9BH�D@5B��5B8�9::CFHG�G<5@@�69�A589�HC�57H=J9@M�DFCACH9�H<5H�D@5B

��CCFFDDCCFF55HH99��!!CCJJ99FFBB55BB7799��,,HH55BB7799

�G�5�7CAD5BM�K=H<�5��I8=H���,ID9FJ=GCFM��C5F8��H<9��CAD5BM�K=@@�9B895JCF�HC�=ADFCJ9�;CJ9FB5B79�6M�9BGIF=B;�H<5H

=B89D9B89BH@M�5DDC=BH98��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG�5DDFCDF=5H9@M�57H�=B�H<9=F�5I8=H=B;�:IB7H=CBG��=B�588=H=CB�HC

9BGIF=B;�H<5H�H<9��C5F8�C:��=F97HCFG�5DDFCDF=5H9@M�57HG�=B�=HG�CJ9FG=;<H�:IB7H=CBG��K<=@9�GHF9B;H<9B=B;�H<9�:IB7H=CBG�C:

957<�5B8�57H=J9@M�8=G7@CG=B;�=B:CFA5H=CB

-<9��CAD5BM�<5G�:CFA98�H<9�!CJ9FB5B79��CAA=HH99��A589�ID�C:�5@@�CIHG=89�8=F97HCFG��H<9��<5=FA5B�C:�H<9��C5F8�5B8

H<9�*F9G=89BH��=B�588=H=CB�HC�H<9�(CA=B5H=CB��CAA=HH99�5B8�+9AIB9F5H=CB��CAA=HH99��5�A5>CF=HM�C:�H<9�A9A69FG�5B8�5

7<5=FD9FGCB�957<�<5J9�699B�5DDC=BH98�:FCA�5ACB;�H<9�)IHG=89��=F97HCFG��5G�=BH9FB5@�7CAA=HH99G�C:�H<9��C5F8�C:

�=F97HCFG��H<IG�6I=@8=B;�5�<=;<@M�9::97H=J9�5B8�HF5BGD5F9BH�7CFDCF5H9�;CJ9FB5B79�GMGH9A

-<9��CAD5BM�<5G�=BHFC8I798�5B�9L97IH=J9�C::=79F�GMGH9A�5B8�=G�DFC7998=B;�HC�89@9;5H9�5IH<CF=HM�CJ9F�6IG=B9GG

9L97IH=CB�HC�H<9G9�9L97IH=J9�C::=79FG�HC�9BGIF9�GK=:H�9L97IH=CB

'5B5;9A9BH�,HFI7HIF9�C:�',����#BGIF5B79�!FCID�"C@8=B;G��#B7

,,IIDD99FFJJ==GG==CCBB��,,MMGGHH99AA������CC55FF88��CC::����==FF9977HHCCFFGG��

++CC@@99��CC::��HH<<99����CC55FF88��CC::����==FF9977HHCCFFGG

#B�588=H=CB�HC�A5HH9FG�GD97=:=98�6M�@5K�5B8�H<9��FH=7@9G�C:�#B7CFDCF5H=CB��H<9��C5F8�C:��=F97HCFG�8=G7IGG9G�5B8�897=89G

IDCB�=ADCFH5BH�A5HH9FG�=BJC@J=B;�!FCID�A5B5;9A9BH�GHF5H9;M�5B8�7CFDCF5H9�A5B5;9A9BH��=B7@I8=B;�H<9�!FCID�G

A5B5;9A9BH�DC@=7=9G��A5B5;9A9BH�GHF5H9;=9G�5B8�75D=H5@�DC@=7M��=B�588=H=CB�HC�CJ9FG99=B;�H<9�8IH=9G�C:�8=F97HCFG�5B8

9L97IH=J9�C::=79FG

-<9��C5F8�C:��=F97HCFG�5@@C75H9G�A5B5;9A9BH�F9GCIF79G�577CF8=B;�HC�F=G?�5DD9H=H9�7CBHFC@@98�K=H<�5�65@5B79�C:�F=G?�

F9HIFB�5B8�75D=H5@��5B8�5=AG�HC�=B7F95G9�9BH9FDF=G9�J5@I9�=B�H<9�A98=IA�HC�@CB;�H9FA�6M�57<=9J=B;�GIGH5=B56@9�;FCKH<

5B8�=ADFCJ9A9BH�=B�95FB=B;G�5B8�75D=H5@�9::=7=9B7M�K=H<�5�:CIB85H=CB�C:�GCIB8B9GG

#B�588=H=CB�HC�5DDC=BH=B;�9L97IH=J9�C::=79FG��H<9��C5F8�C:��=F97HCFG�5=AG�HC�G9D5F5H9�A5B5;9A9BH�897=G=CB�A5?=B;�5B8

CJ9FG=;<H�6M�H<9��C5F8�C:��=F97HCFG�:FCA�6IG=B9GG�9L97IH=CB�6M�9L97IH=J9�C::=79FG�6M�7@5F=:M=B;�H<9=F�F9GD97H=J9�FC@9G

�L97IH=J9�C::=79FG�5F9�F9GDCBG=6@9�:CF�9L97IH=B;�6IG=B9GG�=B�H<9�F9GD97H=J9�5F95G�C:�6IG=B9GG�9BHFIGH98�HC�H<9A�6M�H<9

ここ

Corporate Governance > Corporate Governance

39

�C5F8�C:��=F97HCFG��5B8�F9DCFH�CB�H<9�GH5HIG�C:�6IG=B9GG�9L97IH=CB�HC�H<9��C5F8�C:��=F97HCFG

��CCAADDCCGG==HH==CCBB��CC::��HH<<99����CC55FF88��CC::����==FF9977HHCCFFGG

'CF9�H<5B�CB9�H<=F8�C:�H<9��C5F8�C:��=F97HCFG�K<=7<�<5G�HK9@J9�A9A69FG��H9B�A9B�5B8�HKC�KCA9B��5F9�BCA=B5H98�5G�)IHG=89

�=F97HCFG�HC�=B7CFDCF5H9�D9FGD97H=J9G�=B89D9B89BH�:FCA�A5B5;9A9BH��GHF9B;H<9B�ACB=HCF=B;�5B8�CJ9FG=;<H�:IB7H=CBG��5B8

7CB8I7H�<=;<@M�HF5BGD5F9BH�A5B5;9A9BH �09�H5?9�=BHC�7CBG=89F5H=CB�CJ9F5@@�65@5B79�C:�H<9��C5F8�C:��=F97HCFG�=B�H9FAG�C:

9LD9FH=G9��9LD9F=9B79��5B8�75D56=@=H=9G�C:��=F97HCFG�5B8�GHF=J9�HC�9BGIF9�8=J9FG=HM��=B7@I8=B;�H<5H�C:�;9B89F �*@95G9�F9:9F�HC

*C@=7=9G�CB�H<9��C5F8�C:��=F97HCFG��)J9F5@@��5@5B79�C:��LD9FH=G9���LD9F=9B79���5D56=@=H=9G���=J9FG=HM��5B8�,75@9�69@CK

��LLDD9977HH9988��++CC@@99GG��CC::��))IIHHGG==8899����==FF9977HHCCFFGG

)IHG=89��=F97HCFG�5F9�9LD97H98�HC�D9F:CFA�H<9�:C@@CK=B;�FC@9G�

*FCJ=G=CB�C:�58J=79�:FCA�5�6FC58�D9FGD97H=J9�CB�A5B5;9A9BH�DC@=7=9G�5B8�A5B5;9A9BH�=ADFCJ9A9BH�65G98�CB�H<9=F

?BCK@98;9�5B8�9LD9F=9B79��K=H<�H<9�5=A�C:�DFCACH=B;�GIGH5=B56@9�7CFDCF5H9�;FCKH<�5B8�=B7F95G=B;�9BH9FDF=G9�J5@I9�CJ9F

H<9�A98=IA�HC�@CB;�H9FA

,ID9FJ=G=B;�C:�A5B5;9A9BH�H<FCI;<�=ADCFH5BH�897=G=CB�A5?=B;�5H�H<9�6C5F8�@9J9@

'CB=HCF=B;�C:�7CB:@=7HG�C:�=BH9F9GH�69HK99B�H<9��CAD5BM�5B8�F9@5H98�D5FH=9G�GI7<�5G�A5B5;9A9BH�5B8�CF�A5>CF

G<5F9<C@89FG

+95@=N=B;�GID9FJ=G=B;�:FCA�5�GH5B8DC=BH�=B89D9B89BH�C:�A5B5;9A9BH�6M�:I@:=@@=B;�577CIBH56=@=HM�:CF�GH5?9<C@89FG��=B7@I8=B;

G<5F9<C@89FG

��C@@97H=J9@M�F9:9FG�HC�H<9�8=F97HCFG���I8=H���,ID9FJ=GCFM��C5F8�'9A69FG��5B8�9L97IH=J9�C::=79FG�C:�H<9��CAD5BM�5B8

8CA9GH=7�=BGIF5B79�7CAD5B=9G�=B�H<9�!FCID�=B�K<=7<�H<9��CAD5BM�<5G�5�8=F97H�=BJ9GHA9BH

��CCAAAA==HHHH9999GG����CCAADDFF==GG9988��''55==BB@@MM��CC::��))IIHHGG==8899����==FF9977HHCCFFGG������**FFCCJJ==88==BB;;��))DDDDCCFFHHIIBB==HH==99GG��::CCFF��))DD==BB==CCBB����LL77<<55BB;;99GG

�=A=B;�HC�9B56@9�)IHG=89��=F97HCFG�HC�9B;5;9�:F99@M�=B�7CBGHFI7H=J9�8=G7IGG=CBG�5B8�CD=B=CB�9L7<5B;9G��K9�<5J9�:CFA98�H<9

:C@@CK=B;�7CAA=HH99�5B8�A99H=B;G

!CJ9FB5B79��CAA=HH99��A99HG�56CIH�HK=79�5�M95F�

)IHG=89��=F97HCFG��CIB7=@

)IHG=89��=F97HCFG�5B8�)IHG=89��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG�$C=BH��CIB7=@

,,IIDDDDCCFFHH��,,MMGGHH99AAGG��::CCFF��))IIHHGG==8899����==FF9977HHCCFFGG��55BB88��))IIHHGG==8899����II88==HH������,,IIDD99FFJJ==GGCCFFMM����CC55FF88��''99AA6699FFGG

,IDDCFH�:CF�H<9�57H=J=H=9G�C:�H<9�)IHG=89��=F97HCFG�=G�DFCJ=898�6M�H<9��CFDCF5H9�*@5BB=B;��9D5FHA9BH��5B8�GIDDCFH�:CF�H<9

)IHG=89��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG�=G�GIDD@=98�6M�H<9�#BH9FB5@��I8=H��9D5FHA9BH �-<9�5;9B85�:CF�H<9��C5F8�C:

�=F97HCFG��'99H=B;G�=G�9LD@5=B98�HC�H<9�)IHG=89��=F97HCFG�5B8�)IHG=89��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG�=B�58J5B79�C:�H<9

A99H=B;G�6M�H<9��CFDCF5H9�*@5BB=B;��9D5FHA9BH��K<=7<�57HG�5G�H<9�G97F9H5F=5H�:CF�H<9��C5F8�C:��=F97HCFG �#B�588=H=CB�

=B:CFA5H=CB��GI7<�5G�=ADCFH5BH�F=G?�=B:CFA5H=CB��=G�F9DCFH98�CB�5B�CB;C=B;�65G=G�HC�5@@��=F97HCFG�5B8��I8=H���,ID9FJ=GCFM��C5F8

'9A69FG��=BH9FB5@�5B8�9LH9FB5@

,,IIDDDDCCFFHH��,,MMGGHH99AAGG��::CCFF����==FF9977HHCCFFGG��55BB88����II88==HH������,,IIDD99FFJJ==GGCCFFMM����CC55FF88��''99AA6699FFGG������--FF55==BB==BB;;��**CC@@==77MM

-<9��CAD5BM�<5G�H<9�:C@@CK=B;�GMGH9AG�=B�D@579�5G�F9EI=F98�:CF��=F97HCFG�5B8��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG�HC

9::97H=J9@M�:I@:=@@�H<9=F�FC@9G�5B8�F9GDCBG=6=@=H=9G�

���O-<9��CAD5BM�<5G�5GG=;B98�5�D9FGCB�=B�H<9�G97F9H5F=5H�C:�H<9��C5F8�C:��=F97HCFG�HC�957<�C:�H<9�)IHG=89��=F97HCFG�5B8

)IHG=89��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG��<9F9=B5:H9F�F9:9FF98�HC�5G�R)IHG=89�)::=79FGS��HC�DFCJ=89�GIDDCFH�=B�5F95G

GI7<�5G�DFCJ=8=B;�6F=9:=B;G�=B�58J5B79

���O-<9��CAD5BM�<5G�9GH56@=G<98�5�GMGH9A�:CF�CB;C=B;�DFCJ=G=CB�C:�=B:CFA5H=CB�5B8�HF5=B=B;�5H�H<9�H=A9�C:�5DDC=BHA9BH�5B8

8IF=B;�H<9�H9FA�C:��=F97HCFG�5B8��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG

���O-<9��CAD5BM�DFCJ=89G�5DDFCDF=5H9�CDDCFHIB=H=9G�:CF�)IHG=89�)::=79FG�HC�G<5F9�=B:CFA5H=CB�5B8�9L7<5B;9�CD=B=CBG�K=H<

A5B5;9A9BH�5B8�G9B=CF�9AD@CM99G

���O-<9��CAD5BM�695FG�H<9�9LD9BG9G�F9EI=F98�HC�9B56@9�)IHG=89�)::=79FG�HC�:I@:=@@�H<9=F�FC@9G

ここ

Corporate Governance > Corporate Governance

40

��II88==HH==BB;;

��II88==HH������,,IIDD99FFJJ==GGCCFFMM����CC55FF88��''99AA6699FFGG��55BB88����II88==HH������,,IIDD99FFJJ==GGCCFFMM����CC55FF88

� O+9GDCBG=6=@=H=9G�C:��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG

�G�5B�=B89D9B89BH�9BH=HM�9BHFIGH98�K=H<�5IH<CF=HM�6M�H<9�G<5F9<C@89FG��H<9��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG�5F9

F9GDCBG=6@9�:CF�9BGIF=B;�H<9�GCIB8�5B8�GIGH5=B56@9�;FCKH<�C:�H<9��CAD5BM��5B8�9GH56@=G<=B;�;CC8�7CFDCF5H9�;CJ9FB5B79�=B

F9GDCBG9�HC�H<9�DI6@=7�HFIGH�6M�GID9FJ=G=B;�H<9�D9F:CFA5B79�C:�8IH=9G�C:�H<9��=F97HCFG

� O�IH<CF=HM�5B8�+C@9G�C:��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG

�57<��I8=H���,ID9FJ=GCFM��C5F8�'9A69F�G<5@@�5DDFCDF=5H9@M�9L9F7=G9�<=G�<9F�@9;5@�=BJ9GH=;5H=B;�5IH<CF=HM��=B7@I8=B;�H<9

5IH<CF=HM�HC�5I8=H�CD9F5H=CBG�5B8�5GG9HG��5B8�GID9FJ=G9G�H<9�D9F:CFA5B79�C:�8IH=9G�C:�H<9��=F97HCFG�6M�5HH9B8=B;�A99H=B;G

C:�H<9��C5F8�C:��=F97HCFG�5B8�CH<9F�=ADCFH5BH�A99H=B;G��J=9K=B;�=ADCFH5BH�5DDFCJ5@�8C7IA9BHG��=BJ9GH=;5H=B;�89D5FHA9BHG

K=H<=B�H<9��CAD5BM��5B8�=BJ9GH=;5H=B;�GI6G=8=5F=9G�=B�577CF85B79�K=H<�H<9�5I8=H=B;�DC@=7=9G�5B8�D@5BG�GH=DI@5H98�6M�H<9��I8=H

��,ID9FJ=GCFM��C5F8

� O�CADCG=H=CB�5B8�+C@9G�C:�H<9��I8=H���,ID9FJ=GCFM��C5F8

-<9��I8=H���,ID9FJ=GCFM��C5F8�7CADF=G9G�HKC��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG�� I@@�H=A9��5B8�HKC�)IHG=89��I8=H��

,ID9FJ=GCFM��C5F8�'9A69FG��:CF�5�HCH5@�C:�:CIF�A9A69FG��HKC�A9B�5B8�HKC�KCA9B� ��5B8=85H9G�:CF��I8=H���,ID9FJ=GCFM

�C5F8�'9A69F�5F9�BCA=B5H98�6M�H<9��C5F8�C:��=F97HCFG�K=H<�H<9�5DDFCJ5@�C:�H<9��I8=H���,ID9FJ=GCFM��C5F8��65G98�CB

H<9�R�F=H9F=5�:CF�H<9�,9@97H=CB�C:��=F97HCF��5B8=85H9G�5B8��I8=H���,ID9FJ=GCFM��C5F8�'9A69F��5B8=85H9GS

-<9��I8=H���,ID9FJ=GCFM��C5F8�F979=J9G�F9DCFHG�:FCA��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG�CB�H<9�GH5HIG�C:�D9F:CFA5B79

C:�8IH=9G�5B8�F9DCFHG�:FCA�C::=79FG�5B8�9AD@CM99G�CB�=ADCFH5BH�A5HH9FG�F9@5H98�HC�5I8=H=B;��5B8�5@GC�A5?9G�897=G=CBG

F9;5F8=B;�5I8=H=B;�DC@=7=9G�5B8�5I8=H=B;�D@5BG

##BBHH99FFBB55@@����II88==HH==BB;;

-<9��CAD5BM�<5G�9GH56@=G<98�H<9�R',����#BGIF5B79�!FCID��5G=7�*C@=7M�:CF�#BH9FB5@��I8=HG S�.B89F�H<=G�65G=7�DC@=7M�

H<9��CAD5BM�5B8�8CA9GH=7�!FCID�=BGIF5B79�7CAD5B=9G�<5J9�:CFA98�H<9�#BH9FB5@��I8=H��9D5FHA9BH�H<5H�57HG�5G�5B

=B89D9B89BH�6C8M�K=H<�5I8=H=B;�:IB7H=CBG

-<9��CAD5BM�G�#BH9FB5@��I8=H��9D5FHA9BH�<5G�699B�9GH56@=G<98�5G�5B�CF;5B=N5H=CB�HC�F9DCFH�8=F97H@M�HC�H<9��C5F8�C:

�=F97HCFG �-<9�!9B9F5@�'5B5;9F�C:�H<9�#BH9FB5@��I8=H��9D5FHA9BH��!9B9F5@�'5B5;9F�C:�H<9��I8=H��9D5FHA9BH��G<5@@

F9DCFH�=ADCFH5BH�A5HH9FG�H<5H�<5J9�699B�8=G7CJ9F98�5G�5�F9GI@H�C:�=BH9FB5@�5I8=HG�C:�H<9��CAD5BM�5B8�8CA9GH=7�!FCID

=BGIF5B79�7CAD5B=9G�HC�H<9��C5F8�C:��=F97HCFG�5B8�H<9�!FCID�'5B5;9A9BH��CAA=HH99 �#B�588=H=CB��H<9�#BH9FB5@��I8=H

�9D5FHA9BH�7CCD9F5H9G�K=H<�5I8=H=B;�7CB8I7H98�6M�H<9��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG

��7777CCIIBBHH==BB;;����II88==HHCCFFGG

-<9��CAD5BM�<5G�5DDC=BH98�%*'!��2,��&&��5G�=HG�=B89D9B89BH�5I8=H�7CFDCF5H=CB �*@95G9�BCH9�H<5H�H<9F9�5F9�BC

GD97=5@�7CB:@=7HG�C:T=BH9F9GH�69HK99B�H<=G�7CAD5BM�5B8�',����"C@8=B;G

-<9��C5F8�C:��=F97HCFG�5B8�H<9��I8=H���,ID9FJ=GCFM��C5F8�9B895JCF�HC�H5?9�5DDFCDF=5H9�57H=CB�HC�9BGIF9�589EI5H9

5I8=H=B;�6M�H<9��77CIBH=B;��I8=HCFG

-<9��I8=H���,ID9FJ=GCFM��C5F8�A5?9G�897=G=CBG�F9;5F8=B;�DFCDCG5@G�GI6A=HH98�HC�H<9�!9B9F5@�,<5F9<C@89FG��'99H=B;�CB

H<9�5DDC=BHA9BH�CF�8=GA=GG5@�C:��77CIBH=B;��I8=HCFG �#H�5@GC�<5G�H<9�F=;<H�HC�7CBG9BH�HC�897=G=CBG�F9;5F8=B;

F9AIB9F5H=CB�C:�H<9��77CIBH=B;��I8=HCFG

-<9��I8=H���,ID9FJ=GCFM��C5F8�DF9D5F9G�7F=H9F=5�:CF�5DDFCDF=5H9@M�G9@97H=B;�5B8�9J5@I5H=B;��77CIBH=B;��I8=HCF �-C

DFCACH9�5DDFCDF=5H9�577CIBH=B;�6M�H<9��77CIBH=B;��I8=HCFG��A95GIF9G�5F9�H5?9B�HC�7CB:=FA�H<9�=B89D9B89B79��GD97=5@=GH

75D56=@=H=9G��5B8�CH<9F�F9EI=G=H9�7<5F57H9F=GH=7G�C:�H<9��77CIBH=B;��I8=HCFG

��7777CCIIBBHH==BB;;����II88==HHCCFF��++99AAIIBB99FF55HH==CCBB

�P�A=@@=CB�

,7CD9

1���� 1����

�CAD9BG5H=CB�:CF

5I8=H�G9FJ=79G

�CAD9BG5H=CB�:CF

BCB�5I8=H�G9FJ=79G

�CAD9BG5H=CB�:CF

5I8=H�G9FJ=79G

�CAD9BG5H=CB�:CF

BCB�5I8=H�G9FJ=79G

ここ

Corporate Governance > Corporate Governance

41

-<9��CAD5BM �� �� �� ��

�CBGC@=85H98

GI6G=8=5F=9G��� �� ��� ��

-CH5@ ��� �� ��� ��

�+9;5F8=B;�H<9�7CBH9BH�C:�BCB�5I8=H�G9FJ=79G�:CF�K<=7<�H<9��CAD5BM�D5=8�7CAD9BG5H=CB�HC�H<9�577CIBH=B;�5I8=HCF��=B�:=G75@

�����5B8�������H<9G9�=B7@I898�9LD9FH�;I=85B79�5B8�58J=GCFM�G9FJ=79G�HCK5F8G�H<9�5DD@=75H=CB�C:�# +,

((CCAA==BB55HH==CCBB��55BB88��++99AAIIBB99FF55HH==CCBB

CF�H<9�DIFDCG9�C:�A5=BH5=B=B;�<=;<�HF5BGD5F9B7M��H<9��CAD5BM�<5G�:CFA98�H<9�(CA=B5H=CB��CAA=HH99�5B8�+9AIB9F5H=CB

�CAA=HH99�5G�=BH9FB5@�7CAA=HH99G�C:�H<9��C5F8�C:��=F97HCFG �*@95G9�BCH9�H<5H�H<9G9�HKC�7CAA=HH99G�7CADF=G9�:=J9�A9A69FG

957<��5B8�H<9�7<5=FD9FGCBG�5B8�CH<9F�A9A69FG�5F9�5DDC=BH98�:FCA�5ACB;�A9A69FG�C:�H<9��C5F8�C:��=F97HCFG �0=H<�F9GD97H�HC

957<�C:�H<9�HKC�7CAA=HH99G��5�A5>CF=HM�C:�H<9�A9A69FG�5B8�H<9�7<5=FD9FGCB�<5J9�699B�5DDC=BH98�:FCA�5ACB;�H<9�)IHG=89

�=F97HCFG

((CCAA==BB55HH==CCBB����CCAAAA==HHHH9999����((CCAA==BB55HH==CCBB��**FFCC7799GGGG��

-<9�(CA=B5H=CB��CAA=HH99�89@=69F5H9G�CB�A5>CF�A5B5;9A9BH�D9FGCBB9@�A5HH9FG�5B8�DFCJ=89G�58J=79�CB�H<9G9�A5HH9FG

HC�H<9��C5F8�C:��=F97HCFG �,I7<�A5HH9FG�=B7@I89�H<9�G9@97H=CB�C:�75B8=85H9G�:CF�H<9�DCG=H=CBG�C:��=F97HCF���I8=H��

,ID9FJ=GCFM��C5F8�'9A69F��5B8��L97IH=J9�)::=79F�C:�H<9��CAD5BM�5G�K9@@�5G�H<9�G9@97H=CB�C:��=F97HCFG�5B8��I8=H��

,ID9FJ=GCFM��C5F8�'9A69FG�:CF�8CA9GH=7�=BGIF5B79�7CAD5B=9G�=B�K<=7<�H<9��CAD5BM�<5G�8=F97H�=BJ9GHA9BHG

0=H<�F9GD97H�HC�H<9�9J5@I5H=CB�C:�75B8=85H9G�:CF��=F97HCF�5B8�75B8=85H9G�:CF��L97IH=J9�)::=79F��9J5@I5H=CB�=H9AG�=B7@I89

D9F:CFA5B79�9J5@I5H=CBG��7CFDCF5H9�D9F:CFA5B79�5B8�D9FGCB5@�D9F:CFA5B79��5B8�CH<9F�=H9AG

-<9��C5F8�C:��=F97HCFG�5DDC=BHG�75B8=85H9G�:CF��=F97HCF�5G�K9@@�5G�75B8=85H9G�:CF��I8=H���,ID9FJ=GCFM��C5F8�'9A69F

5B8��L97IH=J9�)::=79FG�65G98�CB�58J=79�:FCA�H<9�(CA=B5H=CB��CAA=HH99 �-<9�7CBG9BH�C:�H<9��I8=H���,ID9FJ=GCFM��C5F8

AIGH�69�C6H5=B98�:CF�75B8=85H9G�:CF��I8=H���,ID9FJ=GCFM��C5F8�'9A69F �#B�:=G75@�������H<9��CAA=HH99�<58�G9J9B

A9A69FG�A589�ID�C:�5@@�:=J9�CIHG=89�8=F97HCFG��H<9��<5=FA5B�C:�H<9��C5F8�5B8�H<9�*F9G=89BH

FCA�H<9�D9FGD97H=J9�C:�A5?=B;�9::97H=J9�8=G7IGG=CBG�HC�GHF9B;H<9B�7CFDCF5H9�;CJ9FB5B79�5H�H<9�(CA=B5H=CB��CAA=HH99�

DC@=7M�:CF�G9@97H=B;�75B8=85H9G�:CF��=F97HCFG�5B8��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG�=G�58898�HC�H<9�89@=69F5H=CB�=H9AG

#H�<5G�699B�7@5F=:=98�H<5H�H<9�(CA=B5H=CB��CAA=HH99�G<5@@�A99H�5H�@95GH�CB79�5�M95F

#B�:=G75@�������H<9�(CA=B5H=CB��CAA=HH99�A9H�:=J9�H=A9G��5B8�<9@8�5�8=G7IGG=CB�CB�H<9�G9@97H=CB�C:�75B8=85H9G�:CF

CIHG=89�C::=79FG

++99AAIIBB99FF55HH==CCBB����CCAAAA==HHHH9999

-<=G�7CAA=HH99�58J=G9G�H<9��C5F8�C:��=F97HCFG�F9;5F8=B;�H<9�F9AIB9F5H=CB�C:��=F97HCFG�5B8��L97IH=J9�)::=79FG�C:�H<9

�CAD5BM�5G�K9@@�5G�H<9�F9AIB9F5H=CB�GMGH9AG�:CF�A5B5;9A9BH�C:�8CA9GH=7�=BGIF5B79�7CAD5B=9G�=B�K<=7<�H<9��CAD5BM

<5G�8=F97H�=BJ9GHA9BHG

FCA�H<9�D9FGD97H=J9�C:�A5?=B;�9::97H=J9�8=G7IGG=CBG�HC�GHF9B;H<9B�7CFDCF5H9�;CJ9FB5B79�5H�H<9�+9AIB9F5H=CB

�CAA=HH99��DC@=7M�:CF�F9AIB9F5H=CB�C:��=F97HCFG�5B8��L97IH=J9�)::=79FG�=G�58898�HC�H<9�89@=69F5H=CB�=H9AG �#H�<5G�699B

7@5F=:=98�H<5H�H<9�+9AIB9F5H=CB��CAA=HH99�G<5@@�A99H�5H�@95GH�CB79�5�M95F

#B�:=G75@�������H<9�+9AIB9F5H=CB��CAA=HH99�A9H�H<F99�H=A9G

++99AAIIBB99FF55HH==CCBB����99HH99FFAA==BB55HH==CCBB��**FFCC7799GGGG99GG

� O�ACIBH�C:��=F97HCFG��+9AIB9F5H=CB

���O�9H9FA=B5H=CB�*FC79GG9G

+9AIB9F5H=CB�:CF�957<��=F97HCF�=G�G9H�K=H<=B�CJ9F5@@�@=A=HG�5DDFCJ98�6M�H<9�,<5F9<C@89FG��'99H=B; ��CBG=89F5H=CB�=G�;=J9B

HC�H<9�:IB7H=CB�C:�F9AIB9F5H=CB�5G�5B�=B79BH=J9�:CF�=ADFCJ9A9BH�=B�D9F:CFA5B79��@CB;�H9FA�7CBHF=6IH=CB�HC�7CFDCF5H9

DFC:=HG�5B8�9BH9FDF=G9�J5@I9��H<9�@9J9@�C:�7CAD9BG5H=CB�5DDFCDF=5H9�:CF�7CAD9H=H=J9B9GG�5G�5�;@C65@�7CFDCF5H=CB��5B8�CH<9F

:57HCFG �-C�9BGIF9�HF5BGD5F9B7M��H<9�+9AIB9F5H=CB��CAA=HH99��K<=7<�=G�7CADCG98�C:�5�A5>CF=HM�C:�)IHG=89��=F97HCFG�

7CBG=89FG�F9AIB9F5H=CB�5ACIBHG��5B8�H<9�:=B5@�897=G=CBG�5F9�A589�6M�H<9��C5F8�C:��=F97HCFG �-<9�+9AIB9F5H=CB

ここ

Corporate Governance > Corporate Governance

42

�CAA=HH99�89@=69F5H9G�CB�H<9�DC@=7M�CB�F9AIB9F5H=CB�:CF�H<9��CAD5BM�G��=F97HCFG�5B8��L97IH=J9�)::=79FG �-<9��C5F8�C:

�=F97HCFG�F9GD97HG�H<9�58J=79�C:�H<9�+9AIB9F5H=CB��CAA=HH99�HC�H<9�A5L=AIA�9LH9BH

���O�CADCG=H=CB�C:�+9AIB9F5H=CB

+9AIB9F5H=CB�:CF��=F97HCFG��9L7@I8=B;�)IHG=89��=F97HCFG��7CBG=GHG�C:�:=L98�7CAD9BG5H=CB�5B8�D9F:CFA5B79�65G98

F9AIB9F5H=CB

5 � =L98�7CAD9BG5H=CB��ACB9H5FM�7CAD9BG5H=CB����DDFCL ����

6 �*9F:CFA5B79�65G98�F9AIB9F5H=CB���DDFCL ����

*9F:CFA5B79�65G98�F9AIB9F5H=CB�7CBG=GHG�C:�H<9�:C@@CK=B;�

�5�O*CFH=CB�@=B?98�K=H<�H<9��CAD5BM�G�D9F:CFA5B79

-C�69�89H9FA=B98�65G98�CB�H<9�!FCID��CF9�*FC:=H��BCH9���7CBGC@=85H98�B9H�=B7CA9�5B8�CH<9F�D9F:CFA5B79�=B8=79G

���O,HC7?�7CAD9BG5H=CB�HMD9�GHC7?�CDH=CBG��*@95G9�F9:9F�HC�3#B79BH=J9G4�56CJ9 �

���O*CFH=CB�C:�ACB9H5FM�7CAD9BG5H=CB

�6�O*CFH=CB�@=B?98�K=H<�=B8=J=8I5@�D9F:CFA5B79

)IHG=89��=F97HCFG�F979=J9�:=L98�7CAD9BG5H=CB��ACB9H5FM�7CAD9BG5H=CB��CB@M�6975IG9�H<9M�5F9�=B89D9B89BH�:FCA

6IG=B9GG�9L97IH=CB

(CH9��!FCID��CF9�*FC:=H�=G�H<9�',����#BGIF5B79�!FCID�G�CKB�DFC:=H56=@=HM�=B89L �#H�=G�75@7I@5H98�6M�H<9�:C@@CK=B;�:CFAI@5

!FCID��CF9�*FC:=HO �O7CBGC@=85H98�B9H�=B7CA9

�OB9H�75D=H5@�;5=BG�@CGG9G�CB�GHC7?�DCFH:C@=C��;5=BG�@CGG9G�:FCA�G5@9�

�OB9H�9J5@I5H=CB�;5=BG�@CGG9G�CB�7F98=H�89F=J5H=J9G

�OCH<9F�=B7=89BH5@�:57HCFG

O9EI=HM�=B�95FB=B;G�C:�H<9�BCB�7CBGC@=85H98�!FCID�7CAD5B=9G

�#B7=89BH5@�:57HCFG�=B7@I89�5ACFH=N5H=CB�C:�;CC8K=@@�F9@5H=B;�HC�57EI=G=H=CBG�5B8�=BH5B;=6@9�:=L98�5GG9HG

���O'5L=AIA�-CH5@��CAD9BG5H=CB

�G�5�F9GI@H�C:�897=G=CBG�A589�6M�H<9�,<5F9<C@89FG��'99H=B;��A5L=AIA�HCH5@�5BBI5@�7CAD9BG5H=CB�:CF��=F97HCFG��9L7@I8=B;

5BM�G5@5F=9G�:CF�KCF?�D9F:CFA98�6M��=F97HCFG�7CB7IFF9BH@M�=B�9AD@CM99�DCG=H=CBG��=G�G9H�5H�P����A=@@=CB��=B7@I8=B;�5�HCH5@

5@@C75H=CB�C:�P���A=@@=CB�:CF�)IHG=89��=F97HCFG� �0=H<�5�G9D5F5H9�:F5A9KCF?��H<9�F9AIB9F5H=CB�C:��=F97HCFG��9L7@I8=B;

)IHG=89��=F97HCFG��=B7@I89G�RGHC7?�57EI=G=H=CB�F=;<HG�5G�GHC7?�7CAD9BG5H=CB�HMD9�GHC7?�CDH=CBGS�K=H<�5�A5L=AIA�J5@I9

C:�P���A=@@=CB�D9F�M95F

� O�ACIBH�C:��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG�+9AIB9F5H=CB

���O�9H9FA=B5H=CB�*FC79GG9G

+9AIB9F5H=CB�:CF��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG�=G�G9H�K=H<=B�CJ9F5@@�@=A=HG�5DDFCJ98�6M�H<9�,<5F9<C@89FG��'99H=B;

�CBG=89F5H=CB�=G�;=J9B�HC�K<9H<9F��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG�5F9�:I@@�H=A9�CF�D5FH�H=A9��H<9=F�G<5F9�C:�H<9

5I8=H=B;�57H=J=H=9G��5B8�H<9�7CBH9BH�5B8�@9J9@�C:�F9AIB9F5H=CB�C:��=F97HCFG ��97=G=CBG�CB�F9AIB9F5H=CB�@9J9@G�5F9�897=898

=B�8=G7IGG=CBG�5ACB;�H<9��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG

���O�CADCG=H=CB�C:��CAD9BG5H=CB

�I8=H���,ID9FJ=GCFM��C5F8�'9A69FG�F979=J9�:=L98�7CAD9BG5H=CB��ACB9H5FM�7CAD9BG5H=CB��CB@M�6975IG9�H<9M�5F9

=B89D9B89BH�:FCA�6IG=B9GG�9L97IH=CB

���O'5L=AIA�-CH5@��CAD9BG5H=CB

�G�5�F9GI@H�C:�897=G=CBG�A589�6M�H<9�,<5F9<C@89FG��'99H=B;��A5L=AIA�HCH5@�7CAD9BG5H=CB�:CF��I8=H���,ID9FJ=GCFM��C5F8

'9A69FG�=G�G9H�5H�P����A=@@=CB

**99FF::CCFFAA55BB7799����55GG9988��++99AAIIBB99FF55HH==CCBB��55BB88��,,HHCC77??��))DDHH==CCBB��,,MMGGHH99AA

-<9��CAD5BM�<5G�=BHFC8I798�D9F:CFA5B79�65G98�F9AIB9F5H=CB��@=B?98�HC�7CFDCF5H9�5B8�D9FGCB5@�D9F:CFA5B79��=BHC�=HG

7CFDCF5H9�C::=79F�F9AIB9F5H=CB�GMGH9A

FCA�:=G75@�������H<9��CAD5BM�<5G�=BHFC8I798�GHC7?�CDH=CBG�5G�GHC7?�65G98�7CAD9BG5H=CB�GC�H<5H�H<9��CAD5BMQG

8=F97HCFG��9L7@I8=B;�CIHG=89�8=F97HCFG��G<5F9�BCH�CB@M�H<9�69B9:=H�C:�5�F=G=B;�G<5F9�DF=79��6IH�5@GC�G<5F9�H<9�F=G?�C:�G<5F9

DF=79�:@I7HI5H=CBG�K=H<�CIF�G<5F9<C@89FG �-<9�GMGH9A�=BJC@J9G�F9D@57=B;�5�DCFH=CB�C:�D9F:CFA5B79�65G98�ACB9H5FM

F9AIB9F5H=CB�K=H<�GHC7?�CDH=CBG�DFCJ=898�5G�GHC7?�65G98�7CAD9BG5H=CB��5@@CHA9BH�C:�GHC7?�57EI=G=H=CB�F=;<HG�

-<9��CAD5BM�=BHFC8I798�G5A9�GMGH9A�5G�A9BH=CB98�56CJ9�5B8�F9D@5798�5�DCFH=CB�C:�D9F:CFA5B79�65G98�ACB9H5FM

F9AIB9F5H=CB�K=H<�GHC7?�CDH=CBG�5G�GHC7?�65G98�7CAD9BG5H=CB��5@@CHA9BH�C:�GHC7?�57EI=G=H=CB�F=;<HG��:CF�H<9��CAD5BMQG

ここ

Corporate Governance > Corporate Governance

43

9L97IH=J9�C::=79FG�5B8�H<9�8=F97HCFG��9L7@I8=B;�)IHG=89��=F97HCFG��5B8�9L97IH=J9�C::=79FG�C:�!FCID�8CA9GH=7�=BGIF5B79

7CAD5B=9G�=B�K<=7<�H<9��CAD5BM�<5G�8=F97H�=BJ9GHA9BHG��H<9�H=A=B;�C:�H<9�;F5BHG�J5F=9G�6M�7CAD5BM�

��==FF9977HHCCFFGG����55BB88����II88==HH������,,IIDD99FFJJ==GGCCFFMM����CC55FF88��''99AA6699FFGG����++99AAIIBB99FF55HH==CCBB

--CCHH55@@����AACCIIBBHH��CC::��++99AAIIBB99FF55HH==CCBB��66MM����==FF9977HHCCFFGG����II88==HH������,,IIDD99FFJJ==GGCCFFMM����CC55FF88��''99AA6699FFGG����55HH99;;CCFFMM����55BB88��HH<<99��((IIAA6699FF��CC::

++9977==DD==99BBHHGG����::==GG7755@@������������

�5H9;CFM (IA69F-CH5@�+9AIB9F5H=CB��P

A=@@=CB�

�=F97HCFG��9L7@I8=B;�)IHG=89��=F97HCFG� �� ���

�I8=H���,ID9FJ=GCFM��C5F8�'9A69FG��9L7@I8=B;�)IHG=89��I8=H���,ID9FJ=GCFM

�C5F8�'9A69FG�� ��

)IHG=89��=F97HCFG��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG � ��

�(CH9��-<9�HCH5@�F9AIB9F5H=CB�:=;IF9G�5F9�H<9�DCFH=CB�C:�H<9��CAD5BM ��@@�F9AIB9F5H=CB�=G�HCH5@�5ACIBH�C:�65G=7�F9AIB9F5H=CB

5B8�GHC7?�CDH=CB

**99FFGGCCBBGG��KK==HH<<��77CCBBGGCC@@==8855HH9988��++99AAIIBB99FF55HH==CCBB����==BB77@@II88==BB;;��FF99AAIIBB99FF55HH==CCBB��::CCFF��77CCFFDDCCFF55HH99��CC::::==7799FF��DDCCGGHHGG��55HH��AA55==BB��GGII66GG==88==55FF==99GG��

99HH77 ����CC::��PP��������''==@@@@==CCBB��CCFF��''CCFF99����::==GG7755@@������������

(5A9 �CFDCF5H9�)::=79F�*CGHG �CAD5BM -CH5@�7CBGC@=85H98�F9AIB9F5H=CB��9H7 ��P�A=@@=CB�

15GIMCG<=�%5F5G5K5�=F97HCF -<9��CAD5BM

����=F97HCF ',#

(CF=MI?=�"5F5�=F97HCF -<9��CAD5BM

����=F97HCF ',#

��FF==HH99FF==55��::CCFF��HH<<99��,,99@@9977HH==CCBB��55BB88��##BB8899DD99BB8899BB7799��CC::��))IIHHGG==8899����==FF9977HHCCFFGG��55BB88��))IIHHGG==8899����II88==HH������,,IIDD99FFJJ==GGCCFFMM��CC55FF88��''99AA6699FFGG

� O*C@=7=9G�CB�H<9��C5F8�C:��=F97HCFG��)J9F5@@��5@5B79�C:��LD9FH=G9���LD9F=9B79���5D56=@=H=9G���=J9FG=HM��5B8�,75@9

=J9�C:�H<9�HK9@J9��=F97HCFG��H9B�A9B�5B8�HKC�KCA9B��5B8�HKC�C:�H<9�:CIF��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG����A9B

5B8���KCA9B��<5J9�699B�5DDC=BH98�:FCA�CIHG=89�H<9��CAD5BM�HC�=B7CFDCF5H9�D9FGD97H=J9G�=B89D9B89BH�:FCA

A5B5;9A9BH��GHF9B;H<9B�ACB=HCF=B;�5B8�CJ9FG=;<H�:IB7H=CBG��5B8�7CB8I7H�<=;<@M�HF5BGD5F9BH�A5B5;9A9BH �*@95G9�BCH9

H<5H�H<9F9�5F9�BC�7CB79FBG�H<5H�H<9�=BH9F9GHG�C:�H<9G9�)IHG=89��=F97HCFG�5B8�)IHG=89��I8=H���,ID9FJ=GCFM��C5F8

'9A69FG�C:�H<9�J5F=CIG�7CAD5B=9G�K=@@�69�=B�7CB:@=7H��=B�H9FAG�C:�<IA5B��75D=H5@��HF5BG57H=CBG��CF�CH<9F�F9@5H=CBG<=DG��K=H<

H<9�=BH9F9GHG�C:�G<5F9<C@89FG�=B�;9B9F5@ �-<9G9��=F97HCFG�5B8��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG�5F9�=B89D9B89BH��5B8

H<9=F�B5A9G�5G�=B89D9B89BH�CIHG=89�C::=79FG�<5J9�699B�:=@98�K=H<�H<9�-C?MC�,HC7?��L7<5B;9��C ��&H8 ��5B8�(5;CM5�,HC7?

�L7<5B;9��C ��&H8

)IHG=89��=F97HCF�75B8=85H9G�AIGH�G5H=G:M�H<9�9@=;=6=@=HM�F9EI=F9A9BHG�5G�89:=B98�=B�H<9��CAD5B=9G��7H�5B8�H<9�#BGIF5B79

�IG=B9GG��7H �#B�588=H=CB��K=H<�H<9�;C5@�C:�G9@97H=B;�75B8=85H9G�56@9�HC�577IF5H9@M�5B8�:5=F@M�GID9FJ=G9�H<9�CJ9F5@@

A5B5;9A9BH�C:�=BGIF5B79�7CAD5B=9G��75B8=85H9G�5F9�G9@97H98�65G98�CB�7CBG=89F5H=CB�C:�GD97=5@=N98�9LD9FH=G9�GI7<�5G

H<5H�GH9AA=B;�:FCA�9LD9F=9B79�KCF?=B;�5G�5�;CJ9FBA9BH�58A=B=GHF5H=CB�C::=79F��;9B9F5@�6IG=B9GG�7CAD5BM�7CFDCF5H9

C::=79F��@5KM9F��5B8�57589A=7�5G�K9@@�5G�GD97=5@=N98�9LD9FH=G9�F9;5F8=B;�GC7=5@��7I@HIF5@��5B8�7CBGIA9F�=GGI9G

�=F97HCF�75B8=85H9G�CH<9F�H<5B�)IHG=89��=F97HCF�75B8=85H9G�AIGH�A99H�@9;5@�9@=;=6=@=HM�F9EI=F9A9BHG �#B�588=H=CB��K=H<�H<9

;C5@�C:�G9@97H=B;�75B8=85H9G�56@9�HC�577IF5H9@M�5B8�:5=F@M�GID9FJ=G9�H<9�CJ9F5@@�A5B5;9A9BH�C:�=BGIF5B79�7CAD5B=9G�

75B8=85H9G�5F9�G9@97H98�65G98�CB�7CBG=89F5H=CB�C:�GD97=5@=N98�9LD9FH=G9��GI7<�5G�H<5H�GH9AA=B;�:FCA�9LH9BG=J9

9LD9F=9B79�KCF?=B;�5G�5�A5B5;9F�=B�5B�=BGIF5B79�7CAD5BM�5G�K9@@�5G�CB�7CBG=89F5H=CB�C:�J5F=98�9LD9F=9B79��<=;<@M

GD97=5@=N98�9LD9F=9B79��5B8�H<9�56=@=HM�HC�9L9F7=G9�@9589FG<=D�=B�577CF85B79�K=H<�H<9��CAD5BM�G�7CFDCF5H9�D<=@CGCD<M

ここ

Corporate Governance > Corporate Governance

44

�H�@95GH�CB9�75B8=85H9�:CF��I8=H���,ID9FJ=GCFM��C5F8�'9A69F�AIGH�<5J9�GI::=7=9BH�?BCK@98;9�C:�577CIBH=B;�CF�:=B5B79

� O�F=H9F=5�:CF�H<9�,9@97H=CB�C:��=F97HCF��5B8=85H9G�5B8��I8=H���,ID9FJ=GCFM��C5F8�'9A69F��5B8=85H9G�5B8��F=H9F=5�:CF

�9H9FA=B=B;�H<9�#B89D9B89B79�C:�)IHG=89��CFDCF5H9�)::=79FG

)IHG=89��=F97HCF�75B8=85H9G�AIGH�G5H=G:M�H<9�9@=;=6=@=HM�F9EI=F9A9BHG�5G�89:=B98�=B�H<9��CAD5B=9G��7H�5B8�H<9�#BGIF5B79

�IG=B9GG��7H �#B�588=H=CB��K=H<�H<9�;C5@�C:�G9@97H=B;�75B8=85H9G�56@9�HC�577IF5H9@M�5B8�:5=F@M�GID9FJ=G9�H<9�CJ9F5@@

A5B5;9A9BH�C:�=BGIF5B79�7CAD5B=9G��75B8=85H9G�5F9�G9@97H98�65G98�CB�7CBG=89F5H=CB�C:�GD97=5@=N98�9LD9FH=G9�GI7<�5G

H<5H�GH9AA=B;�:FCA�9LD9F=9B79�KCF?=B;�5G�5�:=B5B79�F9@5H98�;CJ9FBA9BH�58A=B=GHF5H=CB�C::=79F��;9B9F5@�6IG=B9GG

7CAD5BM�7CFDCF5H9�C::=79F��@5KM9F��5B8�57589A=7�5G�K9@@�5G�GD97=5@=N98�9LD9FH=G9�F9;5F8=B;�GC7=5@��7I@HIF5@��5B8�7CBGIA9F

=GGI9G

�=F97HCF�75B8=85H9G�CH<9F�H<5B�)IHG=89��=F97HCF�75B8=85H9G�AIGH�A99H�@9;5@�9@=;=6=@=HM�F9EI=F9A9BHG �#B�588=H=CB��K=H<�H<9

;C5@�C:�G9@97H=B;�75B8=85H9G�56@9�HC�577IF5H9@M�5B8�:5=F@M�GID9FJ=G9�H<9�CJ9F5@@�A5B5;9A9BH�C:�=BGIF5B79�7CAD5B=9G�

75B8=85H9G�5F9�G9@97H98�65G98�CB�7CBG=89F5H=CB�C:�GD97=5@=N98�9LD9FH=G9��GI7<�5G�H<5H�GH9AA=B;�:FCA�9LH9BG=J9

9LD9F=9B79�KCF?=B;�5G�5�A5B5;9F�=B�5B�=BGIF5B79�7CAD5BM�5G�K9@@�5G�CB�7CBG=89F5H=CB�C:�J5F=98�9LD9F=9B79��<=;<@M

GD97=5@=N98�9LD9F=9B79��5B8�H<9�56=@=HM�HC�9L9F7=G9�@9589FG<=D�=B�577CF85B79�K=H<�H<9��CAD5BM�G�7CFDCF5H9�D<=@CGCD<M

#B�588=H=CB��H<9��CAD5BM�<5G�=BGH=HIH98�H<9�R�F=H9F=5�:CF�H<9�,9@97H=CB�C:��=F97HCF��5B8=85H9G�5B8��I8=H���,ID9FJ=GCFM

�C5F8�'9A69F��5B8=85H9GS�69@CK �-<9�89H9FA=B5H=CB�C:�R=B89D9B89B79S�K<9B�G9@97H=B;�)IHG=89��=F97HCF�75B8=85H9G�=G

IB89FH5?9B�=B�577CF85B79�K=H<�H<9�7F=H9F=5�89G7F=698�=B�G97H=CB�R� �����#B89D9B89B79S�69@CK

��FF==HH99FF==55��::CCFF��HH<<99��,,99@@9977HH==CCBB��CC::����==FF9977HHCCFF����55BB88==8855HH99GG��55BB88����II88==HH������,,IIDD99FFJJ==GGCCFFMM����CC55FF88��''99AA6699FF����55BB88==8855HH99GG

� �)IHG=89�8=F97HCF�75B8=85H9G�5B8�CIHG=89��I8=H���,ID9FJ=GCFM��C5F8�'9A69F�75B8=85H9G

�5B8=85H9G�AIGH�A99H�H<9�:C@@CK=B;�F9EI=F9A9BHG

'IGH�BCH�69�8=GEI5@=:=98�:FCA�G9FJ=B;�5G�5�8=F97HCF�CF��I8=H���,ID9FJ=GCFM��C5F8�'9A69F�DIFGI5BH�HC�H<9��CAD5B=9G

�7H

'IGH�BCH�69�8=GEI5@=:=98�:FCA�G9FJ=B;�5G�5�8=F97HCF�CF��I8=H���,ID9FJ=GCFM��C5F8�'9A69F�C:�5B�=BGIF5B79�<C@8=B;

7CAD5BM�DIFGI5BH�HC�H<9�#BGIF5B79��IG=B9GG��7H

'IGH�<5J9�5�GI::=7=9BH�@9J9@�C:�DI6@=7�7F98=6=@=HM

�B�CIHG=89��I8=H���,ID9FJ=GCFM��C5F8�'9A69F�AIGH�G5H=G:M�H<9�9@=;=6=@=HM�F9EI=F9A9BHG�:CF�5��I8=H���,ID9FJ=GCFM��C5F8

'9A69F�DIFGI5BH�HC�H<9�#BGIF5B79��IG=B9GG��7H

�88=H=CB5@@M��75B8=85H9G�AIGH�G5H=G:M�H<9�:C@@CK=B;�H<F99�F9EI=F9A9BHG

�����@=;=6=@=HM

��75B8=85H9�AIGH�<5J9�H<9�EI5@=H=9G�@=GH98�69@CK�H<5H�5F9�B979GG5FM�HC�ACB=HCF�H<9�CJ9F5@@�A5B5;9A9BH�C:�H<9�7CAD5BM

5B8�DFCJ=89�58J=79��65G98�CB�5�;9B9F5@�?BCK@98;9�C:�7CAD5BM�A5B5;9A9BH�5B8�5�65G=7�IB89FGH5B8=B;�C:�H<9�FC@9G�C:�H<9

8=F97HCFG�5B8�6C5F8�C:�8=F97HCFG

�6=@=HM�HC�8=G79FB�:57HG�:FCA�A5H9F=5@G�5B8�F9DCFHG

�5D56=@=HM�HC�89H97H�DFC6@9AG�5B8�F=G?G�5B8�5DD@M�CKB�?BCK@98;9�HC�GC@J9�H<9A

�5D57=HM�HC�5DDFCDF=5H9@M�ACB=HCF�6IG=B9GG�GHF5H9;M�5B8�DFCJ=89�58J=79

'9BH5@�=B89D9B89B79�HC�CD9B@M�EI9GH=CB��8965H9��F9�9L5A=B9��7CBH=BICIG@M�89@=69F5H9��5B8�DFCDCG9�=895G�=B�CDDCG=H=CB

HC�5�F9GC@IH=CB

�����LD9FH=G9

'IGH�<5J9�?BCK@98;9�=B�5�GD97=5@=N98�:=9@8�GI7<�5G�A5B5;9A9BH��577CIBH=B;��:=B5B79��@5K��58A=B=GHF5H=CB��CF

GC7=5@�7I@HIF5@�5::5=FG��5B8�<5J9�5�F97CF8�C:�57<=9J9A9BH�=B�H<5H�:=9@8

����#B89D9B89B79

-<9�:C@@CK=B;�D9FGCBG�5F9�=B9@=;=6@9

3�4��B�9L97IH=B;�D9FGCB�C:�H<9��CAD5BM�CF�5�GI6G=8=5FM�C:�H<9��CAD5BM

3�4���8=F97HCF�CF��I8=H���,ID9FJ=GCFM��C5F8�'9A69F�C:�5�GI6G=8=5FM�C:�H<9��CAD5BM

3�4���D9FGCB�:CF�K<CA�H<9��CAD5BM�=G�5�A5>CF�6IG=B9GG�D5FHB9F��= 9 �5�D9FGCB�K<C�F979=J98�D5MA9BHG�:FCA�H<9��CAD5BM

CF�GI6G=8=5F=9G�C:�H<9��CAD5BM�H<5H�F9DF9G9BH����CF�ACF9�C:�5BBI5@�7CBGC@=85H98�G5@9G�:CF�H<9�ACGH�F979BH�:=G75@

M95F���CF�5B�9L97IH=B;�D9FGCB�H<9F9C:��=B�H<9�75G9�C:�5�7CBGI@H=B;�:=FA��5I8=H=B;�:=FA�CF�@5K�:=FA��5�7CBGI@H5BH�

577CIBH=B;�DFC:9GG=CB5@��CF�@9;5@�DFC:9GG=CB5@�K<C�69@CB;G�HC�G5=8�7CFDCF5H=CB��D5FHB9FG<=D��9H7 �

3�4���A5>CF�6IG=B9GG�D5FHB9F�C:�H<9��CAD5BM��= 9 �5�D9FGCB�K<C�A589�D5MA9BHG�HC�GI6G=8=5F=9G�C:�H<9��CAD5BM

ここ

Corporate Governance > Corporate Governance

45

F9DF9G9BH=B;����CF�ACF9�C:�H<9��CAD5BM�7CBGC@=85H98�8=F97H�DF9A=IAG�KF=HH9B�9L7@I8=B;�89DCG=H�DF9A=IA�:FCA�DC@=7M

<C@89FG�:CF�H<9�ACGH�F979BH�:=G75@�M95F���CF�5B�9L97IH=B;�D9FGCB�H<9F9C:

3�4��BM�C:�H<9��CAD5BM�G�HCD����@5F;9GH�G<5F9<C@89FG��CF��=:�H<9�G<5F9<C@89F�=G�5�7CFDCF5H=CB��5B�9L97IH=B;�D9FGCB

H<9F9C:�

3�4��B�9L97IH=B;�D9FGCB�C:�5�7CAD5BM�HC�K<=7<�H<9��CAD5BM�CF�5�GI6G=8=5FM�C:�H<9��CAD5BM�<5G�5DDC=BH98�5�8=F97HCF

3�4���7CBGI@H5BH��577CIBH=B;�DFC:9GG=CB5@��CF�@9;5@�DFC:9GG=CB5@�K<C�<5G�F979=J98��CH<9F�H<5B�C::=79F�7CAD9BG5H=CB�

5J9F5;9�75G<�CF�CH<9F�:=B5B7=5@�69B9:=HG�C:�5H�@95GH����A=@@=CB�M9B�D9F�M95F�:CF�H<9�D5GH�H<F99�M95FG�:FCA�H<9��CAD5BM

CF�GI6G=8=5F=9G�C:�H<9��CAD5BM

3�4���D9FGCB�:5@@=B;�IB89F�5BM�C:�H<9�=H9AG�3�4�H<FCI;<�3�4�8IF=B;�H<9�D5GH�:=J9�M95FG

�(CH9��R�IF=B;�H<9�D5GH�:=J9�M95FGS�A95BG�:=J9�M95FG�:FCA�H<9�H=A9�H<9�7CBH9BH�C:�5�DFCDCG5@�HC�H<9�!9B9F5@

,<5F9<C@89FG�'99H=B;�HC�9@97H�H<9�CIHG=89�8=F97HCF�CF�CIHG=89��I8=H���,ID9FJ=GCFM��C5F8�'9A69F�K5G�F9GC@J98�6M

H<9��C5F8�C:��=F97HCFG

3�4��B�=B8=J=8I5@�K<C�K5G�5B�9L97IH=B;�D9FGCB�C:�H<9��CAD5BM�CF�GI6G=8=5F=9G�C:�H<9��CAD5BM�=B�H<9�D5GH��=B�H<9�75G9�C:

5B�CIHG=89��I8=H���,ID9FJ=GCFM��C5F8�'9A69F��=B7@I8=B;�5B�=B8=J=8I5@�K<C�<5G�699B�5�8=F97HCF�C:�H<9��CAD5BM�CF�5

GI6G=8=5FM�C:�H<9��CAD5BM �

3��4���GDCIG9�CF�G97CB8�89;F99�CF�7@CG9F�F9@5H=J9�C:�5�D9FGCB�@=GH98�=B�=H9AG�3�4�H<FCI;<�3�4�56CJ9��5B�9L97IH=B;�D9FGCB

A95BG�5B�9L97IH=J9�8=F97HCF��9L97IH=J9�C::=79F�CF�5B�9AD@CM99�=B�5�DCG=H=CB�C:�;9B9F5@�A5B5;9F�CF�<=;<9F �

����-9FA�@=A=HG

-<9�HCH5@�H9FAG�C:�C::=79�:CF�B9K@M�9@97H98�CIHG=89�8=F97HCFG�5B8�CIHG=89��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG�:FCA��DF=@

��������CBK5F8G�5F9�5G�@=GH98�69@CK

3�4� CF�CIHG=89�8=F97HCFG��H<9�9LD97H5H=CB�=G���H9FAG����M95FG��F9B9K56@9�:CF�5�A5L=AIA�C:���H9FAG����M95FG

3�4� CF�CIHG=89��I8=H���,ID9FJ=GCFM��C5F8�'9A69FG��=B�DF=B7=D@9�H<9�HCH5@�H9FA�=G���H9FA����M95FG��6IH�H<=G�=G�F9B9K56@9

:CF�5�A5L=AIA�C:���H9FAG����M95FG

� ��5B8=85H9G�:CF�8=F97HCF�CH<9F�H<5B�CIHG=89�8=F97HCF�5B8�75B8=85H9G�:CF��I8=H���,ID9FJ=GCFM��C5F8�'9A69F�CH<9F�H<5B

CIHG=89��I8=H���,ID9FJ=GCFM��C5F8�'9A69F

�5B8=85H9G�AIGH�A99H�H<9�:C@@CK=B;�F9EI=F9A9BHG

'IGH�BCH�69�8=GEI5@=:=98�:FCA�G9FJ=B;�5G�5�8=F97HCF�CF��I8=H���,ID9FJ=GCFM��C5F8�'9A69F�DIFGI5BH�HC�H<9��CAD5B=9G

�7H

'IGH�BCH�69�8=GEI5@=:=98�:FCA�G9FJ=B;�5G�5�8=F97HCF�CF��I8=H���,ID9FJ=GCFM��C5F8�'9A69F�C:�5B�=BGIF5B79�<C@8=B;

7CAD5BM�DIFGI5BH�HC�H<9�#BGIF5B79��IG=B9GG��7H

'IGH�G5H=G:M�H<9�9@=;=6=@=HM�F9EI=F9A9BHG�:CF�5�8=F97HCF�CF��I8=H���,ID9FJ=GCFM��C5F8�'9A69F�K<C�9B;5;9G�=B�85=@M

6IG=B9GG�5H�5B�=BGIF5B79�7CAD5BM�DIFGI5BH�HC�H<9�#BGIF5B79��IG=B9GG��7H

�88=H=CB5@@M��5�75B8=85H9�AIGH�<5J9�J5F=98�9LD9F=9B79�5G�K9@@�5G�<=;<@M�GD97=5@=N98�9LD9F=9B79�5B8�AIGH�9A6C8M�CIF

7CFDCF5H9�D<=@CGCD<M�=B�H<9�9L9F7=G9�C:�@9589FG<=D

��DDDDCC==BBHHAA99BBHH��CC::��))IIHHGG==8899����==FF9977HHCCFFGG��55BB88��))IIHHGG==8899����II88==HH������,,IIDD99FFJJ==GGCCFFMM����CC55FF88��''99AA6699FFGG��55BB88��++99@@55HH9988''55HHHH99FFGG

))IIHHGG==8899����==FF9977HHCCFFGG

(5A9�5H9�C:

,9@97H=CB+95GCB�:CF�,9@97H=CB

�HH9B85B79�5H��C5F8�C:

�=F97HCFG�'99H=B;G

�?=F5�05H5B569 �DF=@�����

'F ��?=F5�05H5B569�=G�K9@@�J9FG98�=B�H<9�:=9@8�C:�H<9

�CAD5B=9G��7H�5G�5B�5HHCFB9M�5H�@5K�5B8�<5G�5�K95@H<�C:

9LD9F=9B79�;5=B98�H<FCI;<�<=G�G9FJ=79�5G�5�HFIGH99�C:

7CAD5B=9G�GI6>97H�HC�F9CF;5B=N5H=CB�DFC7998=B;G �"9�<5G�699B

GH5H=B;�CD=B=CBG�5H�A99H=B;G�C:�H<9��CAD5BM�G��C5F8�C:

�=F97HCFG�5B8�CB�CH<9F�C775G=CBG�65G98�CB�<=G�?BCK@98;9�5B8

9LD9F=9B79 �09�5DDC=BH98�<=A�5G�)IHG=89��=F97HCF�=B�CF89F�HC

7CBH=BI9�F9:@97H=B;�<=G�?BCK@98;9�5B8�9LD9F=9B79�=B�H<9

A5B5;9A9BH�C:�H<9��CAD5BM

���C:����A99H=B;G

ここ

Corporate Governance > Corporate Governance

46

�5=?9B�-GIBC85 �DF=@�����

'F ��5=?9B�-GIBC85�<5G�5�K95@H<�C:�?BCK@98;9�5B8�9LD9F=9B79

7CB79FB=B;�CJ9F5@@�7CFDCF5H9�@9;5@�5::5=FG�5G�5B�5HHCFB9M�5H�

@5K �"9�<5G�699B�GH5H=B;�CD=B=CBG�5H�A99H=B;G�C:�H<9

�CAD5BM�G��C5F8�C:��=F97HCFG�5B8�CB�CH<9F�C775G=CBG�65G98

CB�<=G�?BCK@98;9�5B8�9LD9F=9B79 �09�5DDC=BH98�<=A�5G

)IHG=89��=F97HCF�=B�CF89F�HC�7CBH=BI9�F9:@97H=B;�<=G�?BCK@98;9

5B8�9LD9F=9B79�=B�H<9�A5B5;9A9BH�C:�H<9��CAD5BM

���C:����A99H=B;G

-585G<=�);5K5 $IB9�����

'F �-585G<=�);5K5�DF9J=CIG@M�G9FJ98�5G��8A=B=GHF5H=J9�/=79

'=B=GH9F�C:� =B5B79��5G��=F97HCF��<5=FA5B�C:�$5D5B�-C6577C

#B7 ��9H7 �"9�<5G�699B�GH5H=B;�CD=B=CBG�5H�A99H=B;G�C:�H<9

�CAD5BM�G��C5F8�C:��=F97HCFG�5B8�CB�CH<9F�C775G=CBG�65G98

CB�<=G�?BCK@98;9�5B8�9LD9F=9B79 �09�5DDC=BH98�<=A�5G

)IHG=89��=F97HCF�=B�CF89F�HC�7CBH=BI9�F9:@97H=B;�<=G�6FC58

?BCK@98;9�=B�F9@5H=CB�HC�:=G75@�5B8�ACB9H5FM�5::5=FG�5B8

9LD9F=9B79�5G�5B�9L97IH=J9�=B�H<9�A5B5;9A9BH�C:�H<9

�CAD5BM

���C:����A99H=B;G

'5F=�'5HGIB5;5 $IB9�����

'G �'5F=�'5HGIB5;5�K5G�5�7<=9:�98=HCF�C:�A5;5N=B9G�5B8�K5G

=BJC@J98�=B�D@5BB=B;�5B8�89J9@CDA9BH�C:�B9K�G9FJ=79G�5H�(--

�)�)')��#(� �,<9�<5G�699B�GH5H=B;�CD=B=CBG�5H�A99H=B;G�C:

H<9��CAD5BM�G��C5F8�C:��=F97HCFG�5B8�CB�CH<9F�C775G=CBG

65G98�CB�<9F�6FC58�?BCK@98;9�5B8�9LD9F=9B79�7CB79FB=B;

GC7=9HM��7I@HIF9��7CBGIA9F�@=:9GHM@9G��5B8�CH<9F�5F95G �09

5DDC=BH98�<9F�5G�)IHG=89��=F97HCF�=B�CF89F�HC�7CBH=BI9

F9:@97H=B;�<9F�?BCK@98;9�5B8�9LD9F=9B79�=B�H<9�A5B5;9A9BH�C:

H<9��CAD5BM

���C:����A99H=B;G

'5F=?C��5B8C

�(9K@M�5DDC=BH98�$IB9�����

'G �'5F=?C��5B8C�DF9J=CIG@M�G9FJ98�5G��=F97HCF�!9B9F5@�C:

!9B89F��EI5@=HM��IF95I�C:�H<9��56=B9H�)::=79�9H7 �5B8

7IFF9BH@M�G9FJ9G�5G�*F9G=89BH�C:�,<CK5�0CA9B�G�.B=J9FG=HM

,<9�<5G�6FC58�?BCK@98;9�5B8�5�K95@H<�C:�9LD9F=9B79�=B�DI6@=7

58A=B=GHF5H=CB�5B8�98I75H=CB��5G�K9@@�5G�K=89�=BG=;<H�=BHC

DFCACH=CB�C:�8=J9FG=HM �09�5DDC=BH98�<9F�)IHG=89��=F97HCF�=B

CF89F�HC�F9:@97H�<9F�9LD9FH=G9�=B�H<9�A5B5;9A9BH�C:�H<9

�CAD5BM

�-<9�BIA69F�C:��C5F8�C:��=F97HCFG��A99H=B;G�5HH9B898�8IF=B;�:=G75@�����

))IIHHGG==8899����II88==HH������,,IIDD99FFJJ==GGCCFFMM����CC55FF88��''99AA6699FFGG

(5A9�5H9�C:

,9@97H=CB+95GCB�:CF�,9@97H=CB

�HH9B85B79�5H��C5F8�C:��=F97HCFG�

�I8=H���,ID9FJ=GCFM��C5F8�'9A69FG

%IB=C��<=MC85 $IB9�����

'F �%IB=C��<=MC85�=G�5B�9LD9FH�=B�577CIBH=B;�5B8

5I8=H=B;�5B8�<5G�G9FJ98�5G�5�IB=J9FG=HM�DFC:9GGCF

5B8�5�A9A69F�C:�5�DI6@=7�=BGH=HIH=CB �09

5DDC=BH98�<=A�5G�)IHG=89��I8=H���,ID9FJ=GCFM

�C5F8�'9A69F�HC�F9:@97H�<=G�K95@H<�C:�?BCK@98;9

5B8�9LD9F=9B79�=B�H<9�A5B5;9A9BH�C:�H<9

�CAD5BM

�C5F8�C:��=F97HCFG�A99H=B;G�

���C:���

�I8=H���,ID9FJ=GCFM��C5F8�A99H=B;G�

���C:���

%MC?C�.9AIF5

�(9K@M�5DDC=BH98�$IB9�����

'G �%MC?C�.9AIF5�=G�5�@9;5@�9LD9FH �,<9

DF9J=CIG@M�G9FJ98�5G�5�>I8;9�5B8�DF57H=79G�@5K�5G

5B�5HHCFB9M�5H�@5K �09�5DDC=BH98�<9F�)IHG=89

ここ

Corporate Governance > Corporate Governance

47

�I8=H���,ID9FJ=GCFM��C5F8�'9A69F�HC�F9:@97H�<9F

K95@H<�C:�?BCK@98;9�5B8�9LD9F=9B79�=B�H<9

A5B5;9A9BH�C:�H<9��CAD5BM

�-<9�BIA69F�C:��C5F8�C:��=F97HCFG��A99H=B;G�5B8��I8=H���,ID9FJ=GCFM��C5F8�A99H=B;G�5HH9B898�8IF=B;�:=G75@�����

�CFDCF5H9�!CJ9FB5B79�+9DCFH��@5GH�ID85H9���$IB������������� �'��

!FCID�'5B5;9A9BH�5B8�#BH9FB5@��CBHFC@�,MGH9AG

ここ

Corporate Governance > Corporate Governance

48

!!&&����������77<<>>;;**77,,..����;;88>>99����**<<22,,��$$885522,,22..<<��8877����88;;9988;;**==..����88??..;;77**77,,..

!&�����7<>;*7,.��;8>9��85-270<���7,���1.;.27*/=.;�;./.;;.-�=8�*<�D!&���E�8;�D=1.��869*7BE��1*<�.<=*+52<1.-�=1.

!&�����7<>;*7,.��;8>9��*<2,�$852,2.<�87��8;98;*=.��8?.;7*7,.�/8;�=1.�9>;98<.�8/�27-2,*=270�=1.�+*<2,�*99;8*,1�=8

*7-�/;*6.@8;4�/8;�,8;98;*=.�08?.;7*7,.�

��11**99==..;;��������''11..����886699**77BB��<<����**<<22,,����9999;;88**,,11��==88����88;;9988;;**==..����88??..;;77**77,,..

����7�527.�@2=1�2=<��8;98;*=.�$1258<891B��!2<<287���!&�����*<�*�185-270�,869*7B�8?.;<..270�*55�0;8>9�+><27.<<.<��1*<

.<=*+52<1.-�*�6*7*0.6.7=�/;*6.@8;4�=1*=�.7<>;.<�=;*7<9*;.7=��/*2;��<@2/=�*7-�-.,2<2?.�-.,2<287�6*4270�=1*=�=*4.<

27=8�*,,8>7=�=1.�<=*7-9827=�8/�*55�<=*4.185-.;<��'1.��869*7B�<�8+3.,=2?.<�*;.�=8�<><=*27�<=*+252=B�*7-�,87<2<=.7=

0;8@=1�8?.;�=1.�5870�=.;6�+B�><270�,8;98;*=.�;.<8>;,.<�.//2,2.7=5B�*7-�6*7*0270�;2<4<�9;89.;5B�*7-�>5=26*=.5B��=8

/>;=1.;�27,;.*<.�.7=.;9;2<.�?*5>.�

���'8�=12<�.7-��=1.�D!&�����7<>;*7,.��;8>9��8;98;*=.�$1258<891B��!2<<287����8;98;*=.�(2<287�*7-�(*5>.<E�@.;.

/8;6>5*=.-�*<�<86.=1270�*55�8//2,.;<�*7-�.6958B..<�8/�=1.��;8>9�<18>5-�*-1.;.�=8�27�*55�<2=>*=287<���7�*--2=287�=8

@8;4270�=8�-2<<.627*=.�=1.<.�9;27,295.<�*6870�*55�8//2,.;<�*7-�.6958B..<�8/�=1.��869*7B�*7-�2=<��;8>9�,869*72.<�

,8;98;*=.�08?.;7*7,.��,86952*7,.�*7-�;2<4�6*7*0.6.7=�*;.�98<2=287.-�*<�2698;=*7=�6*7*0.6.7=�2<<>.<�27�=1.

!.-2>6�=.;6�!*7*0.6.7=�$5*7��*7-�.//8;=<�<1*55�+.�6*-.�=8�*,=2?.5B�9;868=.�=1*=�$5*7�

!&�����7<>;*7,.��;8>9��8;98;*=.�$1258<891B��!2<<287����8;98;*=.�(2<287�*7-�(*5>.<

!.-2>6�=.;6�!*7*0.6.7=�$5*7�����!��

��11**99==..;;��������%%..55**==228877<<112299��@@22==11��&&==**44..118855--..;;<<

����7�8;-.;�=8�;.*52C.�8>;��8;98;*=.�$1258<891B��!2<<287���=1.��869*7B�*26<�=8@*;-�<><=*27.-�.71*7,.6.7=�8/

.7=.;9;2<.�?*5>.�+B�/>5/255270�8>;�;.<987<2+252=2.<�=8�<.?.7�=B9.<�8/�<=*4.185-.;<��,><=86.;<��<1*;.185-.;<��*0.7=<�

+><27.<<�9*;=7.;<��.6958B..<��58,*5�,866>72=2.<��058+*5�<8,2.=B�*7-�=1.�.7?2;876.7=��+*<.-�87�=1.�D$.;<9.,=2?.�8/

�&%��99;8*,1.<�8/�=1.�!&�����7<>;*7,.��;8>9�E

���$.;<9.,=2?.�8/��&%��99;8*,1.<�8/�=1.�!&�����7<>;*7,.��;8>9

'1.�!&�����7<>;*7,.��;8>9�@255�27,;.*<.�.7=.;9;2<.�?*5>.�*7-�,87=;2+>=.�=8�=1.�,;.*=287�8/�*�<><=*27*+5.�*7-

;8+><=�<8,2.=B�=1;8>01�+.1*?28;�=1*=�=*4.<�27=8�*,,8>7=�27=.;*,=287�@2=1�=1.�.7?2;876.7=�*7-�<8,2.=B�27�*55

+><27.<<�*,=2?2=2.<��@2=1�=1.�*26�8/�;.*52C270�8>;��8;98;*=.�$1258<891B�

).�@255�9;8?2-.�9;8->,=<�*7-�<.;?2,.<�@2=1�1201�:>*52=B�*7-�*--.-�?*5>.��,87=;2+>=270�=8�*�<.,>;.��<*/.��?2+;*7=�*7-

9;8<9.;8><�/>=>;.�+B�0*27270�*�-..9.;�>7-.;<=*7-270�8/�<8,2*5�2<<>.<�=1;8>01�*,=2?.�-2*580>.�@2=1�8>;�<=*4.185-.;<�

���//8;=<�=8�.70*0.�<=*4.185-.;<

).�@255�/>5/255�8>;�;.<987<2+252=2.<�=8�<=*4.185-.;<�=1;8>01�=1.�/8558@270�.//8;=<

&=*4.185-.; �//8;=<

�><=86.;< $;8?2-.�9;8->,=<�*7-�<.;?2,.<�=1*=�6..=�,><=86.;�.A9.,=*=287<�/8;�:>*52=B�

&1*;.185-.;<

$;8?2-.�*99;89;2*=.�-2<,58<>;.�8/�27/8;6*=287�*7-�*99;89;2*=.�;.=>;7�=8

<1*;.185-.;<��&=;2?.�=8�;*2<.�.7=.;9;2<.�?*5>.��&..��1*9=.;����%.5*=287<129

@2=1�&1*;.185-.;<��

�0.7=< �;8@�=80.=1.;�*<�9*;=7.;<�

�><27.<<�9*;=7.;<!*27=*27�<8>7-�;.5*=287<129<�*7-�,889.;*=.�=8�/>5/255�,8;98;*=.

;.<987<2+252=2.<�

ここ

Corporate Governance > Corporate Governance > Basic Policies on Corporate Governance

49

�6958B..<$;8?2-.�*�,86/8;=*+5.�@8;4270�.7?2;876.7=��*�<.7<.�8/�9>;98<.�*7-

8998;=>72=2.<�=8�0;8@�

8,*5�,866>72=2.<���58+*5�&8,2.=B �<�*�6.6+.;�8/�<8,2.=B��,87=;2+>=.�=8�2=<�<><=*27*+5.�-.?.5896.7=�

'1.�.7?2;876.7= '*4.�<=.9<�=8�9;8=.,=�=1.�058+*5�.7?2;876.7=�

���&,1.6.<�/8;�%.,.2?270��..-+*,4�/;86��><=86.;<

'1.�!&�����7<>;*7,.��;8>9�1*<�/8;6>5*=.-�*�D�*<2,�$852,B�/8;�%.<987-270�=8��><=86.;��866>72,*=287<E�27

8;-.;�=8�;.,.2?.�*�@2-.�;*70.�8/�,><=86.;�/..-+*,4�27�=1.�/8;6�8/�,87<>5=*=287<��;.:>.<=<�*7-�,8695*27=<��.=,��'12<

/..-+*,4�2<�><.-�=8�6*4.�:>*52=B�269;8?.6.7=<�

�*<2,�$852,B�/8;�%.<987-270�=8��><=86.;��866>72,*=287<

���)12<=5.+58@270�&B<=.6

'1.�!&�����7<>;*7,.��;8>9�1*<�.<=*+52<1.-�*�@12<=5.+58@270�<B<=.6�.7*+5270�*55�.6958B..<�8/�=1.��869*7B�*7-

2=<�<>+<2-2*;2.<�=8�-2;.,=5B�;.98;=�255.0*5��269;89.;�8;�>7.=12,*5�+.1*?28;�+B�8;0*72C*=287<�*7-�27-2?2->*5<��/8;�@12,1

=1.��869*7B�<��8*;-�8/��2;.,=8;<�9;8?2-.<�*99;89;2*=.�<>9.;?2<287�

���$;868=287�8/��2?.;<2=B

�7�8;-.;�=8�,87->,=��;8>9�6*7*0.6.7=�@2=1�*7�*@*;.7.<<�8/�,1*70.<�27�=1.�058+*5�.7?2;876.7=��=1.�!&���

�7<>;*7,.��;8>9�*26<�=8�.<=*+52<1�*7-�.71*7,.�*7�.7?2;876.7=�=1*=�.7*+5.<�.6958B..<�@2=1�-2?.;<.�?*5>.<�=8

6..=�=1.2;�98=.7=2*5�;.0*;-5.<<�8/�0.7-.;��7*=287*52=B�8;�-2<*+252=B��=1;8>01�=1.�9;868=287�8/�=1.�;85.�8/�/.6*5.

.6958B..<�*7-�12;270�8/�=18<.�@2=1�-2<*+252=2.<�

��11**99==..;;�� ����''11..����886699**77BB��<<����88;;9988;;**==..����88??..;;77**77,,..��&&==**77,,..

���'1.��869*7B�<�#;0*72C*=287*5�&=;>,=>;.

�<�*��869*7B�@2=1�*��>-2=���&>9.;?2<8;B��8*;-��=1.��869*7B�@255�.7-.*?8;�=8�269;8?.�08?.;7*7,.�+B�.7<>;270

=1*=�27-.9.7-.7=5B�*99827=.-��>-2=���&>9.;?2<8;B��8*;-�!.6+.;<�*99;89;2*=.5B�*,=�27�=1.2;�*>-2=270�/>7,=287<�

27�*--2=287�=8�.7<>;270�=1*=�=1.��8*;-�8/��2;.,=8;<�*99;89;2*=.5B�*,=<�27�2=<�8?.;<201=�/>7,=287<��@125.

<=;.70=1.7270�=1.�/>7,=287<�8/�.*,1�*7-�*,=2?.5B�-2<,58<270�27/8;6*=287�

'1.��869*7B�1*<�/8;6.-�=1.��8?.;7*7,.��8662==..��6*-.�>9�8/�*55�#>=<2-.��2;.,=8;<��=1.��1*2;6*7�8/�=1.

�8*;-�*7-�=1.�$;.<2-.7=��27�*--2=287�=8�=1.�"8627*=287��8662==..�*7-�%.6>7.;*=287��8662==..��*�6*38;2=B�8/

=1.�6.6+.;<�*7-�*�,1*2;9.;<87�.*,1�1*?.�+..7�*99827=.-�/;86�*6870�=1.�#>=<2-.��2;.,=8;<��*<�27=.;7*5

,8662==..<�8/�=1.��8*;-�8/��2;.,=8;<��=1><�+>25-270�*�12015B�.//.,=2?.�*7-�=;*7<9*;.7=�,8;98;*=.�08?.;7*7,.

<B<=.6�

'1.��869*7B�1*<�27=;8->,.-�*7�.A.,>=2?.�8//2,.;�<B<=.6�*7-�2<�9;8,..-270�=8�-.5.0*=.�*>=18;2=B�8?.;�+><27.<<

.A.,>=287�=8�=1.<.�.A.,>=2?.�8//2,.;<�=8�.7<>;.�;*92-�.A.,>=287�

���%85.�8/�=1.��8*;-�8/��2;.,=8;<

�����7�*--2=287�=8�6*==.;<�<9.,2/2.-�+B�5*@�*7-�=1.��;=2,5.<�8/��7,8;98;*=287��=1.��8*;-�8/��2;.,=8;<�-2<,><<.<�*7-

-.,2-.<�>987�2698;=*7=�6*==.;<�27?85?270��;8>9�6*7*0.6.7=�<=;*=.0B�*7-�,8;98;*=.�6*7*0.6.7=��27,5>-270�=1.

�;8>9�<�6*7*0.6.7=�9852,2.<��6*7*0.6.7=�<=;*=.02.<�*7-�,*92=*5�9852,B��27�*--2=287�=8�8?.;<..270�=1.�->=2.<�8/

-2;.,=8;<�*7-�.A.,>=2?.�8//2,.;<�

����'1.��8*;-�8/��2;.,=8;<�*558,*=.<�6*7*0.6.7=�;.<8>;,.<�*,,8;-270�=8�;2<4�*99.=2=.�,87=;855.-�@2=1�*�+*5*7,.�8/

;2<4��;.=>;7�*7-�,*92=*5��*7-�*26<�=8�27,;.*<.�.7=.;9;2<.�?*5>.�27�=1.�6.-2>6�=8�5870�=.;6�+B�*,12.?270

<><=*27*+5.�0;8@=1�*7-�269;8?.6.7=�27�.*;7270<�*7-�,*92=*5�.//2,2.7,B�@2=1�*�/8>7-*=287�8/�<8>7-7.<<�

� ���7�*--2=287�=8�*99827=270�.A.,>=2?.�8//2,.;<��=1.��8*;-�8/��2;.,=8;<�*26<�=8�<.9*;*=.�6*7*0.6.7=�-.,2<287

6*4270�*7-�8?.;<201=�+B�=1.��8*;-�8/��2;.,=8;<�/;86�+><27.<<�.A.,>=287�+B�.A.,>=2?.�8//2,.;<�+B�,5*;2/B270�=1.2;

;.<9.,=2?.�;85.<�

�����A.,>=2?.�8//2,.;<�*;.�;.<987<2+5.�/8;�.A.,>=270�+><27.<<�27�=1.�;.<9.,=2?.�*;.*<�8/�+><27.<<�.7=;><=.-�=8�=1.6

+B�=1.��8*;-�8/��2;.,=8;<��*7-�;.98;=�87�=1.�<=*=><�8/�+><27.<<�.A.,>=287�=8�=1.��8*;-�8/��2;.,=8;<�

���8698<2=287�8/�=1.��8*;-�8/��2;.,=8;<�*7-�%85.<�8/�#>=<2-.��2;.,=8;<

����'1.��8*;-�8/��2;.,=8;<�2<�-./27.-�27�=1.��;=2,5.<�8/��7,8;98;*=287�*<�1*<�1*?270�>9�=8����6.6+.;<��@2=1�*

+*5*7,.-�,8698<2=287�=1*=�27,5>-.<�-2?.;<.�[email protected].�*7-�.A9.;=2<.���*7-2-*=.<�/8;�-2;.,=8;�*;.�78627*=.-�+B

ここ

Corporate Governance > Corporate Governance > Basic Policies on Corporate Governance

50

=1.��8*;-�8/��2;.,=8;<�+*<.-�87�=1.�D�;2=.;2*�/8;�=1.�&.5.,=287�8/��2;.,=8;��*7-2-*=.<�*7-��>-2=���&>9.;?2<8;B

�8*;-�!.6+.;��*7-2-*=.<E���99.7-2A���<..����"8627*=287�$;8,.<<�+.58@��

�>;=1.;68;.��*=�5.*<=�87.�=12;-�8/�=1.��2;.,=8;<�*;.�78627*=.-�*<�#>=<2-.��2;.,=8;<�=8�27,8;98;*=.�9.;<9.,=2?.<

27-.9.7-.7=�/;86�6*7*0.6.7=��<=;.70=1.7�6872=8;270�*7-�8?.;<201=�/>7,=287<��*7-�,87->,=�12015B�=;*7<9*;.7=

6*7*0.6.7=�

����#>=<2-.��2;.,=8;<�*;.�.A9.,=.-�=8�9.;/8;6�=1.�/8558@270�;85.<�

$;8?2<287�8/�*-?2,.�/;86�*�+;8*-�9.;<9.,=2?.�87�6*7*0.6.7=�9852,2.<�*7-�6*7*0.6.7=�269;8?.6.7=�+*<.-

87�=1.2;�[email protected].�*7-�.A9.;2.7,.��@2=1�=1.�*26�8/�9;868=270�<><=*27*+5.�,8;98;*=.�0;8@=1�*7-�27,;.*<270

.7=.;9;2<.�?*5>.�8?.;�=1.�6.-2>6��=8�5870�=.;6�

&>9.;?2<270�8/�6*7*0.6.7=�=1;8>01�2698;=*7=�-.,2<287�6*4270�*=�=1.�+8*;-�5.?.5�

!872=8;270�8/�,87/52,=<�8/�27=.;.<=�[email protected]�=1.��869*7B�*7-�;.5*=.-�9*;=2.<�<>,1�*<�6*7*0.6.7=��"8=.�

*7-8;�6*38;�<1*;.185-.;<�

%.*52C270�<>9.;?2<270�/>7,=287�/;86�*�<=*7-9827=�27-.9.7-.7=�8/�6*7*0.6.7=�+B�/>5/255270�*,,8>7=*+252=B�/8;

<=*4.185-.;<��27,5>-270�<1*;.185-.;<�

�"8=.���855.,=2?.5B�;./.;<�=8�=1.�-2;.,=8;<���>-2=���&>9.;?2<8;B��8*;-�!.6+.;<�*7-�.A.,>=2?.�8//2,.;<�8/�=1.

�869*7B�*7-�-86.<=2,�27<>;*7,.�,869*72.<�27�=1.��;8>9�27�@12,1�=1.��869*7B�1*<�*�-2;.,=�27?.<=6.7=��<*6.

*9952.<�1.;.27*/=.;�

�;2=.;2*�/8;�=1.�&.5.,=287�8/��2;.,=8;��*7-2-*=.<�*7-��>-2=���&>9.;?2<8;B��8*;-�!.6+.;��*7-2-*=.<

���#9.;*=287�8/�=1.��8*;-�8/��2;.,=8;<

����%.<85>=287<�8/�=1.��8*;-�8/��2;.,=8;<

�A,.9=�27�,*<.<�8=1.;@2<.�<=29>5*=.-�+B�5*@��;.<85>=287<�8/�=1.��8*;-�8/��2;.,=8;<�*;.�6*-.�+B�*�6*38;2=B�8/

=1.�-2;.,=8;<�*==.7-270�=1.�6..=270��@1.;.�*�6*38;2=B�8/�-2;.,=8;<�*;.�27�*==.7-*7,.�

����#9.;*=287�8/�=1.��8*;-�8/��2;.,=8;<

'1.�*0.7-*��5.70=1�8/�-.52+.;*=287�*7-�/;.:>.7,B�8/�6..=270<�8/�=1.��8*;-�8/��2;.,=8;<�*;.�-./27.-�=8�*558@

/8;�;.:>2;.-��*-.:>*=.�-2<,><<287�8/�2698;=*7=�-.,2<287<�;.0*;-270�+><27.<<�.A.,>=287�*7-�8?.;<201=�8/�=1.

9.;/8;6*7,.�8/�->=2.<�

�7�.//8;=�2<�6*-.�=8�<.7-�8>=�*7-�.A95*27�9;898<*5<�=8�=1.��8*;-�8/��2;.,=8;<��02?270�*-.:>*=.�,87<2-.;*=287

=8�=1.�=26.�;.:>2;.-�/8;�9;.9*;*=287�+B�*==.7-..<�=8�.7*+5.�6.*7270/>5�?2.@<��,866.7=<�*7-�:>.<=287<�=8�+.

9;.<.7=.-�27�6..=270<�8/�=1.��8*;-�8/��2;.,=8;<�

'1.�*77>*5�<,1.->5.�8/�=1.��8*;-�8/��2;.,=8;<�*7-�*7=2,29*=.-�*0.7-*�2=.6<�*;.�-.=.;627.-�27�*-?*7,.�

����?*5>*=287�8/�=1.��8*;-�8/��2;.,=8;<

'1.��8*;-�8/��2;.,=8;<�9.;28-2,*55B�*7*5BC.<�*7-�.?*5>*=.<�2=<�8@7�8?.;*55�.//.,=2?.7.<<��*7-�9>+52<1.<�*7�8?.;?2.@

8/�=1.�;.<>5=<�

����>-2=���&>9.;?2<8;B��8*;-�!.6+.;<�*7-��>-2=���&>9.;?2<8;B��8*;-

����%.<987<2+252=2.<�8/��>-2=���&>9.;?2<8;B��8*;-�!.6+.;<

�<�*7�27-.9.7-.7=�.7=2=B�.7=;><=.-�@2=1�*>=18;2=B�+B�=1.�<1*;.185-.;<��=1.��>-2=���&>9.;?2<8;B��8*;-�!.6+.;<

*;.�;.<987<2+5.�/8;�.7<>;270�=1.�<8>7-�*7-�<><=*27*+5.�0;8@=1�8/�=1.��869*7B��*7-�.<=*+52<1270�*�088-

,8;98;*=.�08?.;7*7,.�<=*7,.�27�;.<987<.�=8�=1.�9>+52,�=;><=�+B�<>9.;?2<270�=1.�9.;/8;6*7,.�8/�->=2.<�8/�=1.

�2;.,=8;<

�����>=18;2=B�*7-�%85.<�8/��>-2=���&>9.;?2<8;B��8*;-�!.6+.;<

�*,1��>-2=���&>9.;?2<8;B��8*;-�!.6+.;�<1*55�*99;89;2*=.5B�.A.;,2<.�12<1.;�5.0*5�27?.<=20*=270�*>=18;2=B�

27,5>-270�=1.�*>=18;2=B�=8�*>-2=�89.;*=287<�*7-�*<<.=<��*7-�<>9.;?2<.<�=1.�9.;/8;6*7,.�8/�->=2.<�8/�=1.

�2;.,=8;<�+B�*==.7-270�6..=270<�8/�=1.��8*;-�8/��2;.,=8;<�*7-�8=1.;�2698;=*7=�6..=270<��?2.@270�2698;=*7=

*99;8?*5�-8,>6.7=<��27?.<=20*=270�-.9*;=6.7=<�@2=127�=1.��869*7B��*7-�27?.<=20*=270�<>+<2-2*;2.<�27�*,,8;-*7,.

@2=1�=1.�*>-2=270�9852,2.<�*7-�95*7<�<=29>5*=.-�+B�=1.��>-2=���&>9.;?2<8;B��8*;-�

� ���8698<2=287�*7-�%85.<�8/�=1.��>-2=���&>9.;?2<8;B��8*;-

'1.��>-2=���&>9.;?2<8;B��8*;-�2<�-./27.-�27�=1.��;=2,5.<�8/��7,8;98;*=287�1*<�1*?270�>9�=8���6.6+.;<��*

6*38;2=B�8/�@12,1�<1*55�+.�#>=<2-.��>-2=���&>9.;?2<8;B��8*;-�!.6+.;<�27�*,,8;-*7,.�@2=1�=1.�5*@�

�*7-2-*=.<�/8;��>-2=���&>9.;?2<8;B��8*;-�!.6+.;�*;.�78627*=.-�+B�=1.��8*;-�8/��2;.,=8;<�@2=1�=1.�*99;8?*5

8/�=1.��>-2=���&>9.;?2<8;B��8*;-��+*<.-�87�=1.�D�;2=.;2*�/8;�=1.�&.5.,=287�8/��2;.,=8;��*7-2-*=.<�*7-��>-2=��

ここ

Corporate Governance > Corporate Governance > Basic Policies on Corporate Governance

51

&>9.;?2<8;B��8*;-�!.6+.;��*7-2-*=.<E���99.7-2A���<..����"8627*=287�$;8,.<<�+.58@��

'1.��>-2=���&>9.;?2<8;B��8*;-�;.,.2?.<�;.98;=<�/;86��>-2=���&>9.;?2<8;B��8*;-�!.6+.;<�87�=1.�<=*=><�8/

9.;/8;6*7,.�8/�->=2.<��*7-�;.98;=<�/;86�8//2,.;<�*7-�.6958B..<�87�2698;=*7=�6*==.;<�;.5*=.-�=8�*>-2=270��*7-

*5<8�6*4.<�-.,2<287<�;.0*;-270�*>-2=270�9852,2.<�*7-�*>-2=270�95*7<�

'1.��>-2=���&>9.;?2<8;B��8*;-�6*4.<�-.,2<287<�;.0*;-270�9;898<*5<�<>+62==.-�=8�=1.��.7.;*5�&1*;.185-.;<�

!..=270�87�=1.�*99827=6.7=�8;�-2<62<<*5�8/��,,8>7=270��>-2=8;<��*7-�=1.�787�;.*99827=6.7=�8/��,,8>7=270

�>-2=8;<���=�*5<8�1*<�=1.�;201=�=8�,87<.7=�=8�-.,2<287<�;.0*;-270�;.6>7.;*=287�8/�=1.��,,8>7=270��>-2=8;<�

�;2=.;2*�/8;�=1.�&.5.,=287�8/��2;.,=8;��*7-2-*=.<�*7-��>-2=���&>9.;?2<8;B��8*;-�!.6+.;��*7-2-*=.<

����,,8>7=270��>-2=8;<

'1.��8*;-�8/��2;.,=8;<�*7-�=1.��>-2=���&>9.;?2<8;B��8*;-�.7-.*?8;�=8�=*4.�*99;89;2*=.�*,=287�=8�.7<>;.�*-.:>*=.

*>-2=270�+B�=1.��,,8>7=270��>-2=8;<�

���&>998;=�&B<=.6<�/8;��2;.,=8;<�*7-��>-2=���&>9.;?2<8;B��8*;-�!.6+.;<';*27270�$852,B

'1.��869*7B�1*<�=1.�/8558@270�<B<=.6<�27�95*,.�*<�;.:>2;.-�/8;��2;.,=8;<�*7-��>-2=���&>9.;?2<8;B��8*;-�!.6+.;<

=8�.//.,=2?.5B�/>5/255�=1.2;�;85.<�*7-�;.<987<2+252=2.<�

����'1.��869*7B�1*<�*<<207.-�*�9.;<87�27�=1.�<.,;.=*;2*=�8/�=1.��8*;-�8/��2;.,=8;<�=8�.*,1�8/�=1.�#>=<2-.

�2;.,=8;<�*7-�#>=<2-.��>-2=���&>9.;?2<8;B��8*;-�!.6+.;<��1.;.27*/=.;�;./.;;.-�=8�*<�D#>=<2-.�#//2,.;<E��=8

9;8?2-.�<>998;=�27�*;.*<�<>,1�*<�9;8?2-270�+;2./270<�27�*-?*7,.�

����'1.��869*7B�1*<�.<=*+52<1.-�*�<B<=.6�/8;�8708270�9;8?2<287�8/�27/8;6*=287�*7-�=;*27270�*=�=1.�=26.�8/

*99827=6.7=�*7-�->;270�=1.�=.;6�8/��2;.,=8;<�*7-��>-2=���&>9.;?2<8;B��8*;-�!.6+.;<�

� ��'1.��869*7B�9;8?2-.<�*99;89;2*=.�8998;=>72=2.<�/8;�#>=<2-.�#//2,.;<�=8�<1*;.�27/8;6*=287�*7-�.A,1*70.

8927287<�@2=1�6*7*0.6.7=�*7-�<.728;�.6958B..<�

����'1.��869*7B�+.*;<�=1.�.A9.7<.<�;.:>2;.-�=8�.7*+5.�#>=<2-.�#//2,.;<�=8�/>5/255�=1.2;�;85.<�

����;8>9�!*7*0.6.7=��8662==..

'1.�;85.�8/�=1.��;8>9�!*7*0.6.7=��8662==..�2<�=8�-2<,><<�6*7*0.6.7=�9852,2.<��6*7*0.6.7=�<=;*=.02.<�*7-

8=1.;�6*==.;<�=1*=�*;.�4.B�2<<>.<�/8;�=1.��869*7B�*7-�2=<��;8>9�,869*72.<���=�*5<8�6872=8;<�<9.,2/2,�+><27.<<

89.;*=287<�+B�;.,.2?270�;.98;=<�87�6*==.;<�-.,2-.-�>987�+B��A.,>=2?.�#//2,.;<�

���"8627*=287�$;8,.<<

'1.��8*;-�8/��2;.,=8;<�*99827=<�,*7-2-*=.<�/8;��2;.,=8;��,*7-2-*=.<�/8;��>-2=���&>9.;?2<8;B��8*;-�!.6+.;�*7-

�A.,>=2?.�#//2,.;<�+*<.-�87�*-?2,.�/;86�=1.�"8627*=287��8662==..��'1.�,87<.7=�8/�=1.��>-2=���&>9.;?2<8;B

�8*;-�7..-<�=8�+.�2<�8+=*27.-�/8;�,*7-2-*=.<�/8;��>-2=���&>9.;?2<8;B��8*;-�!.6+.;�

'1.�"8627*=287��8662==..�-.52+.;*=.<�87�2698;=*7=�6*7*0.6.7=�9.;<877.5�6*==.;<�*7-�9;8?2-.<�*-?2,.�87

=1.<.�6*==.;<�=8�=1.��8*;-�8/��2;.,=8;<��&>,1�6*==.;<�27,5>-.�=1.�<.5.,=287�8/�,*7-2-*=.<�/8;�=1.�98<2=287<�8/

�2;.,=8;���>-2=���&>9.;?2<8;B��8*;-�!.6+.;��*7-��A.,>=2?.�#//2,.;�8/�=1.��869*7B�*<�@.55�*<�=1.�<.5.,=287�8/

�2;.,=8;<�*7-��>-2=���&>9.;?2<8;B��8*;-�!.6+.;<�/8;�-86.<=2,�27<>;*7,.�,869*72.<�27�@12,1�=1.��869*7B�1*<

-2;.,=�27?.<=6.7=<�

'1.�"8627*=287��8662==..�2<�6*-.�>9�8/� �8;�68;.�6.6+.;<�

��6*38;2=B�8/�6.6+.;<�*7-�=1.�,1*2;9.;<87�<1*55�+.�*99827=.-�/;86�*6870�=1.�#>=<2-.��2;.,=8;<�+B�=1.��8*;-

8/��2;.,=8;<�

����$;8,.<<�8/��.=.;627270�%.6>7.;*=287

����%.6>7.;*=287�8/��2;.,=8;<

'1.�*68>7=�8/�;.6>7.;*=287�/8;�.*,1��2;.,=8;�2<�-.=.;627.-�+B�=1.��8*;-�8/��2;.,=8;<�@2=127�=1.�*68>7=

<9.,2/2.-�+B�;.<85>=287�8/�=1.��.7.;*5�&1*;.185-.;<��!..=270��*/=.;�-.52+.;*=287�+B�=1.�%.6>7.;*=287

�8662==..�

'1.�%.6>7.;*=287��8662==..�9;8?2-.<�*-?2,.�=8�=1.��8*;-�8/��2;.,=8;<�87�6*==.;<�<>,1�*<�9.;/8;6*7,.

.?*5>*=287<�*7-�;.6>7.;*=287�/8;�=1.��869*7B�<��2;.,=8;<�*7-��A.,>=2?.�#//2,.;<�

'1.�%.6>7.;*=287��8662==..�2<�6*-.�>9�8/� �8;�68;.�6.6+.;<�

��6*38;2=B�8/�6.6+.;<�*7-�=1.�,1*2;9.;<87�1*?.�+..7�*99827=.-�/;86�*6870�=1.�#>=<2-.��2;.,=8;<�+B�=1.

�8*;-�8/��2;.,=8;<�

����%.6>7.;*=287�8/��>-2=���&>9.;?2<8;B��8*;-�!.6+.;<

ここ

Corporate Governance > Corporate Governance > Basic Policies on Corporate Governance

52

'1.�*68>7=�8/�;.6>7.;*=287�8/�.*,1��>-2=���&>9.;?2<8;B��8*;-�!.6+.;�2<�-.=.;627.-�+B�-2<,><<287�+B��>-2=

��&>9.;?2<8;B��8*;-�!.6+.;<��@2=127�=1.�*68>7=�<9.,2/2.-�+B�;.<85>=287�8/�=1.��.7.;*5�&1*;.185-.;<�

!..=270�

�����8?.;7*7,.��8662==..

'1.��8?.;7*7,.��8662==..�@18<.�,1*2;9.;<87�2<�.5.,=.-�+B�6>=>*5�?8=.�8/�=1.�#>=<2-.��2;.,=8;<�1*<�+..7

.<=*+52<1.-�/8;�=1.�9>;98<.�8/�-2<,><<287�+B�*55�#>=<2-.��2;.,=8;<��=1.��1*2;6*7�*7-�=1.�$;.<2-.7=�;.0*;-270

6*==.;<�;.5*=.-�=8�=1.�<=*=><�8/��9852,2.<�;.0*;-270�*7-�<=*7,.�87�,8;98;*=.�08?.;7*7,.�

� ��'*<4�&9.,2/2,��8662==..<

'1.��869*7B�1*<�.<=*+52<1.-�'1.��;8>9�!*7*0.6.7=�*7-�!872=8;270��8662==..���%!��8662==..���;8>9

�7=.;7*=287*5��><27.<<��8662==..����'��778?*=287��8662==..��%.8;0*72C*=287�+B��>7,=287��8662==..��%2<4�*7-

�86952*7,.��8662==..���7/8;6*=287��2<,58<>;.��8662==..���;*7-��8662==..���&%��8662==..�*7-��;8>9

&B<=.6<��8662==..�@2=1�=1.�*26�8/�-.52+.;*=270�2698;=*7=�6*7*0.6.7=�2<<>.<�27?85?270�+><27.<<�.A.,>=287��*<

@.55�*<�=8�,88;-27*=.�9.;<9.,=2?.<�*,;8<<�?*;28><�-.9*;=6.7=<�

��11**99==..;;����������;;88>>99��!!**77**00..66..77==��&&==;;>>,,==>>;;..

���%85.<�8/�=1.��869*7B���85-270��869*7B�

'1.��869*7B�1*<�.7=.;.-�27=8�6*7*0.6.7=�<>9.;?2<287�,87=;*,=<�@2=1�=1.�-86.<=2,��;8>9�27<>;*7,.

,869*72.<�27�@12,1�2=�1*<�-2;.,=�27?.<=6.7=<��1.;.27*/=.;�;./.;;.-�=8�*<�D-2;.,=5B�27?.<=.-�,869*72.<E���*7-

<>9.;?2<.<�6*7*0.6.7=�8/��;8>9�,869*72.<�27�8;-.;�=8�;.*52C.�6*7*0.6.7=�<=;*=.02.<��269;8?.�6*7*0.6.7=

.//2,2.7,B�*7-�.7<>;.�/27*7,2*5�<8>7-7.<<�*7-�*99;89;2*=.�89.;*=287<�@2=127�=1.��;8>9�

'1.��869*7B�1*<�.<=*+52<1.-�D�*<2,�$852,B�$.;=*27270�=8�&B<=.6�/8;��7=.;7*5��87=;85<E��D%2<4�!*7*0.6.7=

�*<2,�$852,BE��D�86952*7,.��*<2,�$852,BE��D�7=.;7*5��>-2=��*<2,�$852,BE��D%2<4��99.=2=.�&=*=.6.7=E��*7-�D�*<2,

$852,B�87��7/8;6*=287�*7-�'.,178580B��8?.;7*7,.E���7�*--2=287�=8�;.:>2;270�,86952*7,.�@2=1�=1.<.�9852,2.<�+B

�;8>9�,869*72.<��2698;=*7=�6*==.;<�27?85?270�-2;.,=5B�27?.<=.-�,869*72.<�;.:>2;.�.2=1.;�=1.�*99;8?*5�8/�8;

;.98;=270�=8�=1.��869*7B�27�527.�@2=1�6*7*0.6.7=�<>9.;?2<287�,87=;*,=<�

'1.��869*7B�.<=*+52<1.<�0;8>9�+><27.<<�<=;*=.0B�<>,1�*<�=1.��;8>9�<�!.-2>6�=.;6�!*7*0.6.7=�$5*7�

'1.��869*7B�9;8?2-.<�0>2-*7,.�*7-�<>9.;?2<287�=1;8>01�6872=8;270�8/�=1.�9;80;.<<�8/�6*7*0.6.7=�95*7<

/8;6>5*=.-�+B��;8>9�,869*72.<�*7-�=1.�<=*=><�8/�+><27.<<�.A.,>=287��@2=1�=1.�*26�8/�*,12.?270�=1.�08*5<�8/�=1.

�;8>9�

�;8>9��*<2,�$852,2.<��27,5>-270�=1.��;8>9��7=.;7*5��87=;85�&B<=.6��*<2,�$852,B

�;8>9��86952*7,.��*<2,�$852,B

���%85.�8/��2;.,=5B��7?.<=.-��869*72.<

�2;.,=5B�27?.<=.-�,869*72.<�/8;6>5*=.�=1.2;�8@7�9852,2.<�*7-�*99;89;2*=.5B�.<=*+52<1�27=.;7*5�6*7*0.6.7=

<B<=.6<�+*<.-�87�=1.��;8>9�<��*<2,�$852,2.<��27�*--2=287�=8�/8;6>5*=270�6*7*0.6.7=�95*7<�27�.*,1�,869*7B

+*<.-�87�=1.��;8>9�<�!.-2>6�=.;6�!*7*0.6.7=�$5*7�=8�,87->,=�6*7*0.6.7=�*<�27-2?2->*5�,869*72.<�

�2;.,=5B�27?.<=.-�,869*72.<�*5<8�*99;89;2*=.5B�<>9.;?2<.�=1.�6*7*0.6.7=�8/�=1.2;�<>+<2-2*;2.<�>7-.;

6*7*0.6.7=�<>9.;?2<287�,87=;*,=<�

��11**99==..;;��������%%..55**==228877<<112299��@@22==11��&&11**;;..118855--..;;<<

����87<=;>,=2?.��2*580>.�@2=1�&1*;.185-.;<

'1.��869*7B�1*<�-2<,58<.-�=1.�$852,B�87��87<=;>,=2?.��2*580>.�@2=1�&1*;.185-.;<�*7-�1*<�.<=*+52<1.-�=1.�<B<=.6

/8;�9;868=270�,87<=;>,=2?.�-2*580>.�@2=1�<1*;.185-.;<�/;86�=1.�9.;<9.,=2?.�8/�.7*+5270�-..9.;�-2*580>.�27�=1.

6.-2>6��=8�5870�=.;6�*7-�.71*7,270�.7=.;9;2<.�?*5>.�

$852,B�87��87<=;>,=2?.��2*580>.�@2=1�&1*;.185-.;<��� ���

����7<>;270�&1*;.185-.;�%201=<�*7-��:>*52=B

'1.��869*7B�*,=<�*99;89;2*=.5B�=8�.//.,=2?.5B�.7<>;.�=1.�;201=<�8/�<1*;.185-.;<��*7-�.7-.*?8;<�=8�.7*+5.

<1*;.185-.;<�=8�*99;89;2*=.5B�.A.;,2<.�=18<.�;201=<�*<�/8558@<�

'1.��869*7B�@255�=*4.�*99;89;2*=.�*,=287�=8�.7*+5.�<1*;.185-.;<�=8�.//.,=2?.5B�.A.;,2<.�=1.2;�?8=270�;201=<�27

=1.��.7.;*5�&1*;.185-.;<��!..=270�

ここ

Corporate Governance > Corporate Governance > Basic Policies on Corporate Governance

53

'1.��869*7B�@255�9;8?2-.�*,,>;*=.�27/8;6*=287�=8�,87=;2+>=.�=8�*99;89;2*=.�-.,2<287�6*4270�27�=1.�.A.;,2<.�8/

?8=270�;201=<�+B�<1*;.185-.;<�

'1.��869*7B�9;8?2-.<�*-.:>*=.�.A95*7*=287�8/�,*92=*5�9852,2.<��.=,���=1*=�1*?.�*�6*=.;2*5�269*,=�87�=1.

27=.;.<=<�8/�<1*;.185-.;<�

�7�=1.�.?.7=�*�9;898<*5�+B�=1.��869*7B�2<�*99;8?.-�27�=1.��.7.;*5�&1*;.185-.;<��!..=270�+>=�@2=1�,87<2-.;*+5.

?8=.<�27�8998<2=287��=1.��869*7B�*7*5BC.<�=1.�;.*<87�*7-�?85>6.�8/�8998<270�?8=.<��*7-�;.<987-<

*99;89;2*=.5B�

��$;.?.7=287�8/�';*7<*,=287<�=1*=��87/52,=�@2=1�=1.��7=.;.<=<�8/�&1*;.185-.;<

)1.7�=1.��869*7B�-8.<�+><27.<<�@2=1�*�;.5*=.-�9*;=B�<>,1�*<�*�-2;.,=8;�8;�*�6*38;�<1*;.185-.;��9;28;�*99;8?*5�8/

=1.��8*;-�8/��2;.,=8;<�2<�;.:>2;.-�/8;�2698;=*7=�8;�787�<=*7-*;-�=;*7<*,=287<�=8�.7<>;.�=1.B�-8�78=�1*;6�=1.�3827=

27=.;.<=<�8/�=1.��869*7B�*7-�=1.��869*7B�<�<1*;.185-.;<�

���&=;*=.02,��:>2=B��85-270<

'1.��869*7B�1*<�-2<,58<.-�=1.�D�*<2,�$852,B�87�&=;*=.02,��:>2=B��85-270<E�*7-�=1.��;2=.;2*�/8;��7<>;270

�99;89;2*=.��*7-5270�8/�=1.��A.;,2<.�8/�(8=270�%201=<�$.;=*27270�=8�&=;*=.02,��:>2=B��85-270<�/;86�=1.�9.;<9.,=2?.

8/�,87=;2+>=270�=8�=1.�27,;.*<.�27�=1.��869*7B�<�.7=.;9;2<.�?*5>.�*7-�=1*=�8/�,869*72.<�27�@12,1�<1*;.<�*;.�1.5-

+B�=1.��869*7B�27�=1.�6.-2>6�=8�5870�=.;6�

$852,B�87�&=;*=.02,��:>2=B��85-270<�*7-�*�$852,B�87��A.;,2<270�(8=270�%201=<�$.;=*27270�=8�&=;*=.02,��:>2=B

�85-270<��� ���

��11**99==..;;����������9999;;8899;;22**==..����22<<,,5588<<>>;;..

'1.��869*7B�*7-�=1.��;8>9�<�-86.<=2,�27<>;*7,.�,869*72.<�,87->,=�-2<,58<>;.�+*<.-�87�=1.�D�*<2,�$852,B�/8;

�2<,58<>;.�8/��7/8;6*=287E��=8�.7<>;.�=1*=�=1.B�*,=�27�*,,8;-*7,.�@2=1�-2<,58<>;.�;>5.<�<=29>5*=.-�+B�5*@�*7-

/27*7,2*5�27<=;>6.7=�.A,1*70.�27�527.�@2=1�=12<��*<2,�$852,B��*7-�=1*=�=1.2;�<=*4.185-.;<�*;.�*+5.�=8�/*2;5B��,8;;.,=5B

*7-�9;869=5B�>7-.;<=*7-�2698;=*7=�27/8;6*=287�

�7�*--2=287�=8�-2<,58<>;.�;.:>2;.-�+B�5*@��=1.��869*7B�*5<8�-2<,58<.<�787�/27*7,2*5�27/8;6*=287�8/�<2072/2,*7=

27=.;.<=�=8�<1*;.185-.;<��27,5>-270��&���.7?2;876.7=��<8,2.=B��08?.;7*7,.��*5870�@2=1�/27*7,2*5�27/8;6*=287��27�*7

.*<25B�?2.@*+5.�D�7=.0;*=.-�%.98;=E�/8;6*=��27=.7-.-�=8�,87=;2+>=.�=8�*�,87<=;>,=2?.�-2*580>.�@2=1�<=*4.185-.;<�

27,5>-270�<1*;.185-.;<�

�7�*--2=287��=12<�27/8;6*=287�2<�*5<8�-2<,58<.-�27��.*<25B�*,,.<<2+5.�/8;6*=�87�=1.��869*7B�<�@.+<2=.��*7-�8=1.;

.//8;=<��27,5>-270�=1.�><.�8/�?2-.8��@255�+.�6*-.�=8�9;8?2-.�<=*4.185-.;<�@2=1�*�+.==.;�>7-.;<=*7-270�87�=1.

@.+<2=.�

�*<2,�$852,B�/8;��2<,58<>;.�8/��7/8;6*=287

&>995.6.7=*;B�$;8?2<287

%.?2<287�*7-�*+852=287�8/�=12<�9852,B�<1*55�+.�+B�;.<85>=287�8/�=1.��8*;-�8/��2;.,=8;<

�"�

�<=*+52<1.-���>7.��������

*<=��6.7-.-���>7.��������

ここ

Corporate Governance > Corporate Governance > Basic Policies on Corporate Governance

54

�G�C:�%IB9���������

�� OO**FF==BB77==DD@@99GG��$$HH99AAGG��((CCHH��HHCC����99��$$AADD@@99AA99BBHH9988��..CC�� LLDD@@55==BB��55BB88��,,9955GGCCBBGG��::CCFF��((CCHH��$$AADD@@99AA99BBHH==BB;;

.<9��CAD5BM�7CAD@=9G�K=H<�5@@�C:�H<9��CFDCF5H9�"CJ9FB5B79��C89

�� OO**FF==BB77==DD@@99��$$HH99AAGG��HHCC����99��$$AADD@@99AA99BBHH9988��..CC����CCAADD@@MM

.<9�F9GDCBG9�G=HI5H=CBG�5B8�8=G7@CGIF9�G7CD9�F9;5F8=B;�H<9�:C@@CK=B;����DF=B7=D@9G�5F9�5G�:C@@CKG�

**FF==BB77==DD@@99OO�� ��OOOO**CC@@==77MM��FF99;;55FF88==BB;;��<<CC@@88==BB;;��--HHFF55HH99;;==77�� EEII==HHMM��##CC@@88==BB;;GG��55BB88��GGHH55BB8855FF88GG��KK==HH<<��FF99GGDD9977HH��HHCC��HH<<99��JJCCHH==BB;;

FF==;;<<HHGG��55GG��HHCC��HH<<99==FF��77FFCCGGGG��GG<<55FF99<<CC@@88==BB;;GG

SS''--��������$$BBGGIIFF55BB7799��""FFCCIIDD����55GG==77��**CC@@==77MM��::CCFF��--HHFF55HH99;;==77�� EEII==HHMM��##CC@@88==BB;;GGTT

-HF5H9;=7�9EI=HM�<C@8=B;G�=G�G<5F9G�<9@8�IB89F�H<9�5GGIADH=CB�C:�@CB;�H9FA�<C@8=B;�:CF�H<9�DIFDCG9�C:�@CB;�H9FA�=B7F95G9�C:

5GG9H�J5@I9�5B8�A5=BH5=B=B;�5B8�GHF9B;H<9B=B;�7CADF9<9BG=J9�6IG=B9GG�F9@5H=CBG<=DG�K=H<�=GGI9FG��9H7

09�<5J9�58CDH98�5�DC@=7M�HC�F98I79�H<9�5;;F9;5H9�5ACIBH�C:�CIF�GHF5H9;=7�9EI=HM�<C@8=B;G��5=A=B;�HC�6I=@8�5�GC@=8�:=B5B7=5@

65G9�@9GG�5::97H98�6M�:@I7HI5H=CBG�=B�GHC7?�DF=79G�5B8�HC�=ADFCJ9�H<9�75D=H5@�9::=7=9B7M�(CH9��

.<9�97CBCA=7�F5H=CB5@9�:CF�<C@8=B;�GHF5H9;=7�9EI=H=9G�=G�5GG9GG98�:FCA�H<9�D9FGD97H=J9�C:�H<9�9EI=HM�=GGI9FG��;FCKH<�DCH9BH=5@

5B8�DFC:=H56=@=HM�5B8�H<9�A98=IA�HC�@CB;�H9FA�6IG=B9GG�F9@5H=CBG<=D�(CH9��

$:�H<9�F5H=CB5@9�=G�BCH�7CB:=FA98��K9�G<5@@�DFC7998�K=H<�G5@9G�C:�H<CG9�GHF5H9;=7�9EI=HM�<C@8=B;G�5:H9F�C6H5=B=B;�H<9�9EI=HM

=GGI9FG��IB89FGH5B8=B; �)H<9FK=G9��K9�A5M�G9@@�CIF�<C@8=B;G��H5?=B;�=BHC�577CIBH�H<9�A5F?9H�9BJ=FCBA9BH�5B8�CIF�6IG=B9GG�5B8

:=B5B7=5@�GHF5H9;=9G

(CH9��O.<9�"FCID�G�GHF5H9;=7�9EI=HM�<C@8=B;G�C:�P����6=@@=CB�5F9�D@5BB98�HC�69�GC@8�CJ9F�H<9���M95FG�:FCA�!1�����HC�!1���� �09

G<5@@�DFC7998�K=H<�G5@9G�C:�CIF�<C@8=B;G�65G98�CB�H<9�D@5BB=B; �.<9�"FCID�GC@8�9EI=HM�<C@8=B;G�C:�3��� ��6=@@=CB�P�� ��6=@@=CB�=B�:=G75@

������P��� ��6=@@=CB�=B�:=G75@�������5B8�P��� ��6=@@=CB�=B�:=G75@������6M�H<9�9B8�C:�:=G75@������5B8�K=@@�DFC7998�K=H<�H<9�D@5B�=B�:=G75@

����

(CH9��O'=HGI=�-IA=HCAC�$BGIF5B79�5B8��=C=�(=GG5M��CK5�$BGIF5B79�G<5@@�9L5A=B9�97CBCA=7�F5H=CB5@9�C:�H<9=F�A5>CF�GHF5H9;=7

9EI=HM�<C@8=B;G� EI=H=9G�CKB98�6M�H<9�HKC�7CAD5B=9G�K<CG9�J5@I9G�CB�H<9�65@5B79�G<99H�9L7998�CB9�<IB8F98H<�C:�H<9�5ACIBH�C:

7CAACB�GHC7?�5F9�@=GH98�=B�H<9�G97IF=H=9G�F9DCFH �.<9�F9GI@HG�C:�H<9G9�9L5A=B5H=CBG�G<5@@�69�F9DCFH98�HC�'-����G��C5F8�C:

�=F97HCFG

SS��FF==HH99FF==55��::CCFF�� BBGGIIFF==BB;;����DDDDFFCCDDFF==55HH99��##55BB88@@==BB;;��CC::��HH<<99�� LL99FF77==GG99��CC::��//CCHH==BB;;��,,==;;<<HHGG��**99FFHH55==BB==BB;;��HHCC��--HHFF55HH99;;==77�� EEII==HHMM��##CC@@88==BB;;GGTT

UO�5G=7�5DDFC57<�HC�H<9�9L9F7=G9�C:�JCH=B;�F=;<HG

.<9�9L9F7=G9�C:�JCH=B;�F=;<HG�=G�G99B�HC�69�5B�=ADCFH5BH�A95BG�C:�=B:@I9B7=B;�H<9�A5B5;9A9BH�5B8�=ADFCJ=B;�H<9�9BH9FDF=G9

J5@I9�C:�=BJ9GH99�7CAD5B=9G��5B8�897=G=CBG�5F9�BCH�A589�IB=:CFA@M�65G98�GC@9@M�CB�:CFAI@5=7�G<CFH�H9FA�7F=H9F=5��6IH�F5H<9F

=B�H9FAG�C:�9B<5B79A9BH�C:�9BH9FDF=G9�J5@I9�=B�H<9�A98=IA�HC�@CB;�H9FA�5B8�=ADFCJ9A9BH�=B�G<5F9<C@89F�F9HIFBG��5ACB;

CH<9FG

VO.<9�DFC79GG�:CF�9L9F7=G=B;�JCH=B;�F=;<HG

0<9B�9L9F7=G=B;�JCH=B;�F=;<HG��=H9AG�GI7<�5G�H<CG9�@=GH98�69@CK�5F9�J9F=:=98�:CF�957<�DCH9BH=5@�=BJ9GHA9BH��K=H<�5�:C7IG�CB

GI7<�5GD97HG�5G�K<9H<9F�H<9�7CAD5BM�=B�EI9GH=CB�=G�A5B5;98�K=H<�5B�9AD<5G=G�CB�;FCKH<�C:�H<9�7CAD5BM�5B8�H<9

=BH9F9GHG�C:�G<5F9<C@89FG��5B8�K<9H<9F�H<9�7CAD5BM�=G�9B;5;98�=B�5BM�5BH=GC7=5@�69<5J=CF �*FCDCG5@G�5F9�5@GC�>I8;98�65G98

CB�H<9�F9GI@HG�C:�8=5@C;I9�K=H<�H<9�7CAD5BM�7CB79FB98�:C@@CK=B;�5�89H5=@98�9L5A=B5H=CB�C:�=B8=J=8I5@�=GGI9G�5G�F9EI=F98

XO-<5F9<C@89F�F9HIFBGOOXO,9H=F9A9BH�69B9:=HG�:CF�8=F97HCFG�5B8�7CFDCF5H9�C::=79FG

XO LD5BG=CB�C:�5IH<CF=N98�[email protected]?9CJ9F�89:9BG9�A95GIF9GOOXO�IG=B9GG�F9CF;5B=N5H=CB�O9H7

�G�BCH98�56CJ9��K<9B�9L9F7=G=B;�JCH=B;�F=;<HG��F5H<9F�H<5B�A5?=B;�IB=:CFA�897=G=CBG�65G98�GC@9@M�CB�:CFAI@5=7�G<CFH�H9FA

7F=H9F=5��K9�69@=9J9�=H�=G�=ADCFH5BH�HC�7CB8I7H�7CBGHFI7H=J9�8=5@C;I9�=B�H9FAG�C:�9B<5B7=B;�9BH9FDF=G9�J5@I9�5B8�9B7CIF5;=B;

ここ

Corporate Governance > Corporate Governance > Responses to 11 Principles of the Corporate Governance Code

55

H<9�GIGH5=B98�;FCKH<�C:�H<9�=BJ9GH99�7CAD5BM�:FCA�5�A98=IA�HC�@CB;�H9FA�D9FGD97H=J9��K<=7<�=B�HIFB�75B�69�H=98�HC�5�G<5F98

IB89FGH5B8=B;�5B8�=ADFCJ9A9BH�=B�5BM�DFC6@9AG

.<9F9:CF9��6975IG9�K9�69@=9J9�G=AD@9�8=G7@CGIF9�C:�JCH=B;�F9GI@H�H5@@=9G�8C9G�BCH�B979GG5F=@M�DFCJ=89�5B�577IF5H9

F9DF9G9BH5H=CB�C:�H<9G9�GH9K5F8G<=D�57H=J=H=9G��K9�<5J9�8=G7@CG98�75G9G�F9@5H98�HC�H<9�9L9F7=G9�C:�JCH=B;�F=;<HG�=B�K<=7<

5DDFCJ5@�K5G�BCH�C6H5=B98

$B�577CF85B79�K=H<�H<9�F9J=G=CB�HC�H<9�-H9K5F8G<=D��C89�CB�'5M�����������K9�5F9�7IFF9BH@M�:CFAI@5H=B;�5�DC@=7M��=B7@I8=B;�H<9

G7CD9�C:�8=G7@CGIF9�C:�JCH=B;�F9GI@H�H5@@=9G��5B8�=BH9B8�HC�7CB8I7H�8=G7@CGIF9

**FF==BB77==DD@@99OO�� ��OOOO**FFCC779988IIFF99GG��::CCFF��FF99@@55HH9988��**55FFHHMM��..FF55BBGG5577HH==CCBBGG

0=H<�F9GD97H�HC�HF5BG57H=CBG�69HK99B�H<9��CAD5BM�5B8�5�F9@5H98�D5FHM��HC�9BGIF9�H<5H�H<9M�8C�BCH�<5FA�H<9�7CAACB

=BH9F9GHG�C:�H<9��CAD5BM�5B8�H<9��CAD5BM�G�G<5F9<C@89FG��GI7<�HF5BG57H=CBG�5G�7CAD9H=H=CB�HF5BG57H=CB�6M�5�8=F97HCF�

HF5BG57H=CBG�69HK99B�5�7CFDCF5H9�C::=79F�5B8�H<9��CAD5BM��5B8�CH<9F�HF5BG57H=CBG�K=H<�7CB:@=7H�C:�=BH9F9GH�7<5F57H9F=GH=7G�

GI7<�HF5BG57H=CBG�K=@@�F9EI=F9�DF=CF�89@=69F5H=CB�5B8�5DDFCJ5@�C:�5��C5F8�C:��=F97HCFG��A99H=B;�K=H<�H<9�5HH9B85B79�C:�AI@H=D@9

CIHG=89�8=F97HCFG��5B8�=B�H<9�75G9�C:�G=A=@5F�HF5BG57H=CBG�6M�9L97IH=J9�C::=79FG�K=@@�F9EI=F9�5�F9DCFH�HC�H<9��C5F8�C:��=F97HCFG

**FF==BB77==DD@@99OO�� ��OOOO!!II@@@@����==GG77@@CCGGIIFF99

��OO��GGDD==FF55HH==CCBB��CC::��HH<<99��""FFCCIIDD��''==GGGG==CCBB��99HH77 ��55BB88��66IIGG==BB99GGGG��GGHHFF55HH99;;==99GG��55BB88��66IIGG==BB99GGGG��DD@@55BBGG��

SS��IIGG==BB99GGGG��))66>>9977HH==JJ99GG������99HH77 TT

*@95G9�G99�Q�GD=F5H=CB�C:�H<9�'-����$BGIF5B79�"FCIDR�CB�CIF�7CAD5BM�K96�G=H9

SS��IIGG==BB99GGGG��GGHHFF55HH99;;==99GG��55BB88��66IIGG==BB99GGGG��DD@@55BBGGTT

*@95G9�G99�CIF�;FCID�'98=IA�.9FA�'5B5;9A9BH�*@5B��Q(9LH��<5@@9B;9�����R�CB�CIF�7CAD5BM�K96�G=H9

��OO��55GG==77��DDCC@@==77MM��55BB88��;;II==8899@@==BB99GG��CCBB��77CCFFDDCCFF55HH99��;;CCJJ99FFBB55BB7799��

*@95G9�G99�Q�5G=7�*C@=7=9G�CB��CFDCF5H9�"CJ9FB5B79R�CB�CIF�7CAD5BM�K96�G=H9

��OO��CC55FF88��DDCC@@==77==99GG��55BB88��DDFFCC779988IIFF99GG��==BB��8899HH99FFAA==BB==BB;;��HH<<99��FF99AAIIBB99FF55HH==CCBB��CC::��HH<<99��GG99BB==CCFF��AA55BB55;;99AA99BBHH��CC::����==FF9977HHCCFFGG��55BB88

��II88==HH������--IIDD99FFJJ==GGCCFFMM����CC55FF88��''99AA6699FFGG��

*@95G9�G99�Q�=F97HCFG�5B8��I8=H���-ID9FJ=GCFM��C5F8�'9A69FG�,9AIB9F5H=CBR�CB�CIF�7CAD5BM�K96�G=H9

YY��ZZOO��CC55FF88��DDCC@@==77==99GG��55BB88��DDFFCC779988IIFF99GG��==BB��HH<<99��55DDDDCC==BBHHAA99BBHH��CC::��HH<<99��GG99BB==CCFF��AA55BB55;;99AA99BBHH��55BB88��HH<<99��BBCCAA==BB55HH==CCBB��CC::

��==FF9977HHCCFFGG��55BB88����II88==HH������--IIDD99FFJJ==GGCCFFMM����CC55FF88��''99AA6699FFGG��7755BB88==8855HH99GG��

*@95G9�G99��<5DH9F�� ����Q(CA=B5H=CB�*FC79GGR�=B�H<9�Q�5G=7�*C@=7=9G�CB��CFDCF5H9�"CJ9FB5B79R�5B8�Q�F=H9F=5�:CF�H<9

-9@97H=CB�5B8�$B89D9B89B79�C:�)IHG=89��=F97HCFG�5B8�)IHG=89��I8=H���-ID9FJ=GCFM��C5F8�'9A69FG R

YY��ZZOO LLDD@@55BB55HH==CCBBGG��KK==HH<<��FF99GGDD9977HH��HHCC��HH<<99��==BB88==JJ==88II55@@��GG99@@9977HH==CCBB��55BB88��55DDDDCC==BBHHAA99BBHH

*@95G9�G99�2,95GCBG�:CF�G9@97H=CB�5G�5�75B8=85H94�=B�H<9�Q(CH=79�C:��CBJC75H=CB�C:��BBI5@�-<5F9<C@89FG�'99H=B;R�D5;9

����

--IIDDDD@@99AA99BBHH55FFMM��**FF==BB77==DD@@99OO�� ��OOUUOOOO--77CCDD99��55BB88��77CCBBHH99BBHH��CC::��HH<<99��AA55HHHH99FFGG��8899@@99;;55HH9988��HHCC��HH<<99��AA55BB55;;99AA99BBHH

*@95G9�G99��<5DH9F�� ���Q,C@9�C:�H<9��C5F8�C:��=F97HCFGR�=B�H<9�Q�5G=7�*C@=7=9G�CB��CFDCF5H9�"CJ9FB5B79 R

**FF==BB77==DD@@99OO�� ��OOOO����FFCC5588��AA55DD��==::��55��77CCAADD55BBMM��==BB��==HHGG��CCKKBB��>>II88;;99AA99BBHH��6699@@==99JJ99GG��==HH��BB999988GG��HHCC��55DDDDCC==BBHH��55HH��@@9955GGHH��CCBB99��HH<<==FF88

CC::��88==FF9977HHCCFFGG��55GG��==BB8899DD99BB8899BBHH��88==FF9977HHCCFFGG

ここ

Corporate Governance > Corporate Governance > Responses to 11 Principles of the Corporate Governance Code

56

.<9��C5F8�C:��=F97HCFG�7CADF=G9G����A9A69FG����A9B�5B8���KCA9B��5B8�ACF9�H<5B�CB9�H<=F8�C:�H<9��=F97HCFG�:CIF

�=F97HCFG�5F9�BCA=B5H98�5G�)IHG=89��=F97HCFG

**FF==BB77==DD@@99OO�� ��OOOO��FF==HH99FF==55��CC::��8899HH99FFAA==BB==BB;;��HH<<99��==BB8899DD99BB8899BB7799��CC::��CCIIHHGG==8899��88==FF9977HHCCFFGG

*@95G9�G99�� ���Q @=;=6=@=HMR�5B8�� ���Q$B89D9B89B79R�C:�Q�F=H9F=5�:CF�H<9�-9@97H=CB�C:��=F97HCF��5B8=85H9G�5B8��I8=H��

-ID9FJ=GCFM��C5F8�'9A69F��5B8=85H9G R

--IIDDDD@@99AA99BBHH55FFMM��**FF==BB77==DD@@99OO�� ����OOUUOOOO**CC@@==77==99GG��CCBB��HH<<99����CC55FF88��CC::����==FF9977HHCCFFGG����))JJ99FF55@@@@����55@@55BB7799��CC::�� LLDD99FFHH==GG99��

LLDD99FF==99BB7799������55DD5566==@@==HH==99GG������==JJ99FFGG==HHMM����55BB88��--7755@@99

!=J9�C:�H<9�HK9@J9��=F97HCFG�H9B�A9B�5B8�HKC�KCA9B�5B8�HKC�C:�H<9�:CIF��I8=H���-ID9FJ=GCFM��C5F8�'9A69FG���A9B

5B8���KCA9B�<5J9�699B�5DDC=BH98�:FCA�CIHG=89�H<9��CAD5BM�HC�=B7CFDCF5H9�D9FGD97H=J9G�=B89D9B89BH�:FCA

A5B5;9A9BH��GHF9B;H<9B�ACB=HCF=B;�5B8�CJ9FG=;<H�:IB7H=CBG��5B8�7CB8I7H�<=;<@M�HF5BGD5F9BH�A5B5;9A9BH �09�H5?9�=BHC

7CBG=89F5H=CB�CJ9F5@@�65@5B79�C:�H<9��C5F8�C:��=F97HCFG�=B�H9FAG�C:�9LD9FH=G9��9LD9F=9B79��5B8�75D56=@=H=9G�C:��=F97HCFG

5B8�GHF=J9�HC�9BGIF9�8=J9FG=HM��=B7@I8=B;�H<5H�C:�;9B89F

)IHG=89��=F97HCF�75B8=85H9G�AIGH�G5H=G:M�H<9�9@=;=6=@=HM�F9EI=F9A9BHG�5G�89:=B98�=B�H<9��CAD5B=9G��7H�5B8�H<9�$BGIF5B79

�IG=B9GG��7H �$B�588=H=CB��K=H<�H<9�;C5@�C:�G9@97H=B;�75B8=85H9G�56@9�HC�577IF5H9@M�5B8�:5=F@M�GID9FJ=G9�H<9�CJ9F5@@

A5B5;9A9BH�C:�=BGIF5B79�7CAD5B=9G��75B8=85H9G�5F9�G9@97H98�65G98�CB�7CBG=89F5H=CB�C:�GD97=5@=N98�9LD9FH=G9�GI7<�5G

H<5H�GH9AA=B;�:FCA�9LD9F=9B79�KCF?=B;�5G�5�;CJ9FBA9BH�58A=B=GHF5H=CB�C::=79F��;9B9F5@�6IG=B9GG�7CAD5BM�7CFDCF5H9

C::=79F��@5KM9F��5B8�57589A=7�5G�K9@@�5G�GD97=5@=N98�9LD9FH=G9�F9;5F8=B;�GC7=5@��7I@HIF5@��5B8�7CBGIA9F�=GGI9G

�=F97HCF�75B8=85H9G�CH<9F�H<5B�)IHG=89��=F97HCF�75B8=85H9G�AIGH�A99H�@9;5@�9@=;=6=@=HM�F9EI=F9A9BHG �$B�588=H=CB��K=H<�H<9

;C5@�C:�G9@97H=B;�75B8=85H9G�56@9�HC�577IF5H9@M�5B8�:5=F@M�GID9FJ=G9�H<9�CJ9F5@@�A5B5;9A9BH�C:�=BGIF5B79�7CAD5B=9G�

75B8=85H9G�5F9�G9@97H98�65G98�CB�7CBG=89F5H=CB�C:�GD97=5@=N98�9LD9FH=G9��GI7<�5G�H<5H�GH9AA=B;�:FCA�9LH9BG=J9

9LD9F=9B79�KCF?=B;�5G�5�A5B5;9F�=B�5B�=BGIF5B79�7CAD5BM�5G�K9@@�5G�CB�7CBG=89F5H=CB�C:�J5F=98�9LD9F=9B79��<=;<@M

GD97=5@=N98�9LD9F=9B79��5B8�H<9�56=@=HM�HC�9L9F7=G9�@9589FG<=D�=B�577CF85B79�K=H<�H<9��CAD5BM�G�7CFDCF5H9�D<=@CGCD<M

�H�@95GH�CB9�75B8=85H9�:CF��I8=H���-ID9FJ=GCFM��C5F8�'9A69F�AIGH�<5J9�GI::=7=9BH�?BCK@98;9�C:�577CIBH=B;�CF�:=B5B79

*@95G9�BCH9�H<5H�H<9F9�5F9�BC�7CB79FBG�H<5H�H<9�=BH9F9GHG�C:�H<9G9�)IHG=89��=F97HCFG�5B8�)IHG=89��I8=H���-ID9FJ=GCFM

�C5F8�'9A69FG�C:�H<9�J5F=CIG�7CAD5B=9G�K=@@�69�=B�7CB:@=7H��=B�H9FAG�C:�<IA5B��75D=H5@��HF5BG57H=CBG��CF�CH<9F

F9@5H=CBG<=DG��K=H<�H<9�=BH9F9GHG�C:�G<5F9<C@89FG�=B�;9B9F5@ �.<9G9��=F97HCFG�5B8��I8=H���-ID9FJ=GCFM��C5F8�'9A69FG�5F9

=B89D9B89BH��5B8�H<9=F�B5A9G�5G�=B89D9B89BH�CIHG=89�C::=79FG�<5J9�699B�:=@98�K=H<�H<9�.C?MC�-HC7?� L7<5B;9��C ��&H8 �

5B8�(5;CM5�-HC7?� L7<5B;9��C ��&H8

--IIDDDD@@99AA99BBHH55FFMM��**FF==BB77==DD@@99OO�� ����OOVVOOOO����GGHH55HHIIGG��::CCFF��77CCBB77IIFFFF99BBHH��DDCCGG==HH==CCBBGG��CC::��))IIHHGG==8899����==FF9977HHCCFFGG��55BB88��))IIHHGG==8899����II88==HH

����--IIDD99FFJJ==GGCCFFMM����CC55FF88��''99AA6699FFGG

*@95G9�G99�2$ADCFH5BH��CB7IFF9BH�*CG=H=CBG4�=B�H<9�Q(CH=79�C:��CBJC75H=CB�C:��BBI5@�-<5F9<C@89FG�'99H=B;R�D5;9�������D5;9

����D5;9���

--IIDDDD@@99AA99BBHH55FFMM��**FF==BB77==DD@@99OO�� ����OOWWOOOO����GGIIAAAA55FFMM��CC::��HH<<99��FF99GGII@@HHGG��::FFCCAA��55BB55@@MMGG==GG��55BB88��99JJ55@@II55HH==CCBB��CC::��CCJJ99FF55@@@@

99::::9977HH==JJ99BB99GGGG��CC::��HH<<99����CC55FF88��CC::����==FF9977HHCCFFGG

�� OO��BB55@@MMGG==GG��55BB88�� JJ55@@II55HH==CCBB��**FFCC7799GGGG

�G�BCH98�=B��<5DH9F�� ��C:�Q�5G=7�*C@=7=9G�CB��CFDCF5H9�"CJ9FB5B79�R�5B�5B5@MG=G�5B8�9J5@I5H=CB�C:�H<9�CJ9F5@@

9::97H=J9B9GG�C:�H<9��C5F8�C:��=F97HCFG�=G�7CB8I7H98�5BBI5@@M �$B�:=G75@�������5B5@MG=G�5B8�9J5@I5H=CB�K5G�7CB8I7H98�=B

577CF85B79�K=H<�H<9�:C@@CK=B;�DFC79GG

�O+I9GH=CBB5=F9G�7CB8I7H98�:CF��=F97HCFG��G9@:�9J5@I5H=CB�5B8�=HG�GIAA5FM

��EI9GH=CBB5=F9�7CBG=GH=B;�C:�9=;<H�EI9GH=CBG�7CB79FB=B;�H<9�FC@9G�5B8�F9GDCBG=6=@=H=9G�C:�H<9��C5F8�C:��=F97HCFG��=HG

CD9F5H=CB��9H7 �K5G�8=GHF=6IH98�HC�957<��=F97HCF�=B�58J5B79�5B8�H<9�G97F9H5F=5H�7CB8I7H98�5B�=BH9FJ=9K�K=H<�957<

�=F97HCF�65G98�CB�H<9�EI9GH=CBB5=F9

ここ

Corporate Governance > Corporate Governance > Responses to 11 Principles of the Corporate Governance Code

57

$B�@=;<H�C:�=AD@9A9BH5H=CB�C:�5�*����7M7@9��9J5@I5H=CB�=B�:=G75@������=B7@I898�K<9H<9F�=ADFCJ9A9BH�A95GIF9G

A95GIF9G�:CF�=ADFCJ=B;�75D56=@=H=9G�K<=7<�<58�699B�:CFAI@5H98�65G98�CB�H<9�9J5@I5H=CB�C:�H<9��C5F8�C:��=F97HCFG

=B�:=G75@������K9F9�=AD@9A9BH98�CF�BCH

�O L7<5B;9�C:�CD=B=CBG�5H�H<9�)IHG=89��=F97HCF��CIB7=@

�H�5�A99H=B;�C:�H<9�)IHG=89��=F97HCF��CIB7=@�7CBG=GH=B;�C:�5@@�H<9�)IHG=89��=F97HCFG��)IHG=89��=F97HCFG�9L7<5B;98

CD=B=CBG�56CIH�5B5@MG=G�5B8�9J5@I5H=CB�65G98�CB�H<9�F9GI@HG�C:�H<9�EI9GH=CBB5=F9

�O�B5@MG=G�5B8�9J5@I5H=CB�6M�H<9�"CJ9FB5B79��CAA=HH99�5B8�:CFAI@5H=CB�C:�A95GIF9G�:CF�=ADFCJ=B;�75D56=@=H=9G

!C@@CK=B;�H<9�9L7<5B;9�C:�CD=B=CBG�=B���56CJ9��H<9�"CJ9FB5B79��CAA=HH99�7CBG=GH=B;�C:�5@@�H<9�)IHG=89

�=F97HCFG��H<9��<5=FA5B�C:�H<9��C5F8�C:��=F97HCFG��5B8�H<9�*F9G=89BH�7CB8I7H98�5B5@MG=G�5B8�9J5@I5H=CB�5B8

:CFAI@5H98�A95GIF9G�:CF�=ADFCJ=B;�75D56=@=H=9G�6M�=89BH=:M=B;�=GGI9G�HC�69�588F9GG98�=B�:=G75@�����

�O,9GI@HG�C:�H<9�5B5@MG=G�5B8�9J5@I5H=CB�5F9�CIH@=B98�=B�� �69@CK �09�K=@@�=AD@9A9BH�H<9�=ADFCJ9A9BH�A95GIF9G

A95GIF9G�:CF�=ADFCJ=B;�75D56=@=H=9G�65G98�CB�H<9�F9GI@HG

�� OO--IIAAAA55FFMM��CC::��HH<<99��,,99GGII@@HHGG��CC::����BB55@@MMGG==GG��55BB88�� JJ55@@II55HH==CCBB

�O�CBH9BH�C:�89@=69F5H=CBG�5H�H<9��C5F8�C:��=F97HCFG�5B8�:I@:=@@=B;�:IB7H=CB

�$ADFCJ98��

�CB79FB=B;�89@=69F5H=CBG�CB�6IG=B9GG�GHF5H9;=9G�5B8�H<9�6IG=B9GG�D@5B�5H�A99H=B;G�C:�H<9��C5F8�C:��=F97HCFG��H<9

�C5F8�C:��=F97HCFG�<5G�A589�GH958M�DFC;F9GG�7CAD5F98�K=H<�H<9�DF9J=CIG�M95F �!CF�9L5AD@9��H<9�5;9B85�=B7@I898

A98=IA��HC�@CB;�H9FA�=GGI9G�C:�H<9�"FCID

$H�<5G�697CA9�7IGHCA5FM�DF57H=79�HC�89@=69F5H9�CB�DFC>97HG�=BJC@J=B;�G=;B=:=75BH�F=G?G�5B8�@5F;9�G75@9�B9K

=BJ9GHA9BH�DFC>97HG��=B7@I8=B;�=BJ9GHA9BH�CJ9FG95G��G9J9F5@�H=A9G�69:CF9�A5?=B;�5�897=G=CB �,9:9F9B79�A5H9F=5@G

<5J9�699B�DFCJ=898�H<5H�5F9�89G=;B98�HC�:57=@=H5H9�89@=69F5H=CBG��=B7@I8=B;�A5H9F=5@G�DF9D5F98�65G98�CB�F9EI9GHG�C:

CIHG=89�C::=79FG �)J9F5@@��H<9�F97C;B=H=CB�C:�H<9��C5F8�C:��=F97HCFG�7CB79FB=B;�F=G?�H5?=B;�<5G�=B7F95G98

!=L98�DC=BH�C6G9FJ5H=CB�C:�H<9�=B7I@75H=CB�5B8�DF57H=79�C:�H<9�"FCID�G��CFDCF5H9�*<=@CGCD<M�'=GG=CB���CFDCF5H9

/=G=CB�5B8�/5@I9G�K5G�7CB8I7H98��5B8�H<9�F9GI@HG�K9F9�F9DCFH98�HC�H<9��C5F8�C:��=F97HCFG �$H�K5G�7CB:=FA98�H<5H

H<9M�<5J9�699B�K=89@M�=B7I@75H98��5G�K5G�H<9�75G9�=B�H<9�DF9J=CIG�M95F �Q'-����G�-HCFM�C:�/5@I9��F95H=CBR�H<5H

G<CKG�H<9�@=B?5;9�C:�9AD@CM99G��85=@M�57H=J=H=9G�HC�H<9�F95@=N5H=CB�C:�H<9��CFDCF5H9�*<=@CGCD<M�K5G�:CFAI@5H98�5B8

<5G�699B�7CAAIB=75H98�=BH9FB5@@M�5B8�9LH9FB5@@M�6M�DF9G9BH=B;�=H�=B�H<9�$BH9;F5H98�,9DCFH��9H7

.<9��C5F8�C:��=F97HCFG�<5G�;5=B98�5�899D9F�IB89FGH5B8=B;�C:�=GGI9G�F9@5H98�HC� -"�9BJ=FCBA9BH��GC7=9HM��5B8

;CJ9FB5B79�5G�5�F9GI@H�C:�5�KCF?G<CD�:CF�9L97IH=J9G�56CIH�H<9�7@=A5H9�7<5B;9��K<=7<�K5G�<9@8�=B�F9GDCBG9�HC�5

F9EI9GH�C:�CIHG=89�C::=79FG

�.C�69�=ADFCJ98�:FCA�BCK�CB�

�CB79FB=B;�89@=69F5H=CBG�CB�6IG=B9GG�GHF5H9;=9G�5B8�H<9�6IG=B9GG�D@5B�5H�A99H=B;G�C:�H<9��C5F8�C:��=F97HCFG��=H�=G

89G=F56@9�H<5H�H<9��C5F8�C:��=F97HCFG�899D9B�89@=69F5H=CBG�=B�@=;<H�C:�H<9�F5D=8@M�7<5B;=B;�6IG=B9GG�9BJ=FCBA9BH�

=B7@I8=B;�H97<BC@C;=75@�=BBCJ5H=CB

�O)D9F5H=CB�C:�H<9��C5F8�C:��=F97HCFG

�$ADFCJ98��

.<9��C5F8�C:��=F97HCFG�CD9F5H9G�5DDFCDF=5H9@M��K=H<�A5H9F=5@G�8=GHF=6IH98�DF=CF�HC�A99H=B;G��=B:CFA5H=CB�DFCJ=898�HC

�=F97HCFG�5G�B99898��5B8�GI::=7=9BH�H=A9�5@@CK98�:CF�89@=69F5H=CBG �.<9�:57H�H<5H�6F=9:=B;G�DF=CF�HC�A99H=B;G�C:�H<9

�C5F8�C:��=F97HCFG�5F9�<9@8�K9@@�=B�58J5B79�=G�5@GC�5�DCG=H=J9�:57HCF

/=GI5@=N5H=CB�C:�5;9B85�=H9AG�<5G�699B�DFCACH98

�G�5�F9GI@H�C:�;F95H9F�5DD@=75H=CB�C:�D57?5;9�89@=69F5H=CB��=B�K<=7<�9LD@5B5H=CB�C:�GCA9�5;9B85�=H9AG�8IF=B;�H<9

A99H=B;G�=G�G=AD@=:=98��5B8�H<9�F9J=9K�C:�H<9�5;9B85�=H9AG�HC�69�DF9G9BH98�HC�H<9�A99H=B;G�C:�H<9��C5F8�C:

�=F97HCFG�K5G�75FF=98�CIH��=H�<5G�697CA9�DCGG=6@9�HC�G97IF9�ACF9�H=A9�:CF�89@=69F5H=CBG�CB�=ADCFH5BH�5;9B85�=H9AG

F9;5F8=B;�GHF5H9;=7�897=G=CBG �'CF9CJ9F��CD=B=CBG�5B8�EI9GH=CBG�GH5H98�6M�CIHG=89�C::=79FG�5H�6F=9:=B;G�DF=CF�HC�H<9

A99H=B;G�C:�H<9��C5F8�C:��=F97HCFG�5F9�BCK�7CAAIB=75H98�5H�H<9�A99H=B;G�C:�H<9��C5F8�C:��=F97HCFG�HC�G97IF9

CDDCFHIB=H=9G�:CF�CIHG=89�C::=79FG�HC�GH5H9�H<9=F�CD=B=CBG

�.C�69�=ADFCJ98�:FCA�BCK�CB�

-D97=5@=GH�H9FA=BC@C;M�H<5H�5DD95FG�=B�5;9B85�=H9AG�=G�D5F5D<F5G98�6M�G=AD@9F�H9FAG�CF�BCH9G�5F9�DFCJ=898 � ::CFHG

G<CI@8�69�7CBH=BI98�HC�:57=@=H5H9�IB89FGH5B8=B;�C:�CIHG=89�C::=79FG

�O)H<9F

ここ

Corporate Governance > Corporate Governance > Responses to 11 Principles of the Corporate Governance Code

58

�$ADFCJ98��

,9;5F8=B;�98I75H=CB�5B8�DFCJ=G=CB�C:�=B:CFA5H=CB�HC�CIHG=89�C::=79FG��K9�<9@8�KCF?G<CDG�H<F99�H=A9G�=B�:=G75@�����

CB�H<9�H<9A9G�=B�577CF85B79�K=H<�H<9�F9EI9GHG�C:�CIHG=89�C::=79FG �$B�588=H=CB��GIDD@9A9BH5FM�9LD@5B5H=CB�<5G�699B

DFCJ=898�:CF�79FH5=B�H<9A9G��H5?=B;�H<9�CDDCFHIB=H=9G�C:�A99H=B;G�C:�H<9�)IHG=89��=F97HCF��CIB7=@�5B8�H<9�)IHG=89

�=F97HCFG��I8=H���-ID9FJ=GCFM��C5F8�'9A69FG�%C=BH��CIB7=@ �.<IG��CIHG=89�C::=79FG�<5J9�;F95H9F�CDDCFHIB=H=9G�:CF

98I75H=CB�5B8�5779GG�HC�=B:CFA5H=CB�H<5B�69:CF9

--IIDDDD@@99AA99BBHH55FFMM��**FF==BB77==DD@@99OO�� ����OOVVOOOO��FF==HH99FF==55��::CCFF����==FF9977HHCCFFGG��55BB88����II88==HH������--IIDD99FFJJ==GGCCFFMM����CC55FF88��''99AA6699FFGG��..FF55==BB==BB;;

*@95G9�G99��<5DH9F�� ���Q-IDDCFH�-MGH9AG�:CF��=F97HCFG�5B8��I8=H���-ID9FJ=GCFM��C5F8�'9A69FGR�=B�H<9�Q�5G=7�*C@=7=9G�CB

�CFDCF5H9�"CJ9FB5B79 R

**FF==BB77==DD@@99OO�� ��OOOO**CC@@==77==99GG��77CCBB7799FFBB==BB;;��HH<<99��AA9955GGIIFF99GG��55BB88��CCFF;;55BB==NN55HH==CCBB55@@��GGHHFFII77HHIIFF99GG��55==AA9988��55HH��DDFFCCAACCHH==BB;;

77CCBBGGHHFFII77HH==JJ99��88==55@@CC;;II99��KK==HH<<��GG<<55FF99<<CC@@8899FFGG

*@95G9�G99�Q*C@=7M�CB��CBGHFI7H=J9��=5@C;I9�K=H<�-<5F9<C@89FGR�CB�CIF�7CAD5BM�K96�G=H9

ここ

Corporate Governance > Corporate Governance > Responses to 11 Principles of the Corporate Governance Code

59

�39+73'1��439741�#>89+28

##>>8899++2288��,,4477����==++))::99//4433��44,,����''33''--++22++3399

�#�����41*/3-8�.'8�/3974*:)+*�'3�+=+):9/;+�4,,/)+7�8>89+2�'3*�/8�897+3-9.+3/3-�9.+�)439741�4,�/98�2'3'-+2+39�(>�)1'7/,>/3-

9.+�741+8�4,�9.+��4'7*�4,��/7+)9478��<.4�'7+�7+85438/(1+�,47�2'3'-+2+39�*+)/8/43�2'0/3-�'3*�4;+78/-.9��'3*�9.+��=+):9/;+

,,/)+78��<.4�'7+�7+85438/(1+�,47�(:8/3+88�+=+):9/43��$.+�3:2(+7�4,��=+):9/;+� ,,/)+78�/8�1/2/9+*�94����

��7744::55����''33''--++22++3399����442222//9999++++

$.+�741+�4,�9.+��74:5��'3'-+2+39��422/99++�/8�94�*/8):88�2'3'-+2+39�541/)/+8��2'3'-+2+39�897'9+-/+8��'3*�49.+7�2'99+78

9.'9�'7+�0+>�/88:+8�94�9.+��425'3>�'3*�9.+��74:5�)425'3/+8���9�'184�243/9478�85+)/,/)�(:8/3+88�45+7'9/438�(>�7+)+/;/3-

7+54798�43�'5574;+*�2'99+78�:3*+7�9.+�7:1+8�,47�9.+��74:5��'3'-+2+39��422/99++�

�3�'**/9/43��,742�,/8)'1������9.+�57+8/*+398�4,�9.+��74:5�8�,/;+�*42+89/)�/38:7'3)+�)425'3/+8�/3�<./).�9.+��425'3>�.'8�'

*/7+)9�89'0+�.';+�'99+3*+*�'8�)422/99++�2+2(+78�'3*�*/8):88+*�0+>�/88:+8�7+1'9+*�94�9.+��74:5�8�*42+89/)�/38:7'3)+

)425'3/+8�

$.+��74:5��'3'-+2+39��422/99++�2+9����9/2+8�/3�,/8)'1�����

��7744::55����''33''--++22++3399��##9977::))99::77++

""4411++��44,,��99..++����442255''33>>����99..++��..4411**//33--��))442255''33>>��

���@$4�7+'1/?+�2'3'-+2+39�897'9+-/+8��/3)7+'8+�9.+��74:5�8�2'3'-+2+39�+,,/)/+3)>��'3*�+38:7+�9.+�84:3*3+88�4,��74:5

,/3'3)+8�'3*�'557457/'9+3+88�4,��74:5�45+7'9/438��9.+��425'3>�)43)1:*+8�2'3'-+2+39�'-7++2+398�</9.�/98�*/7+)91>

/3;+89+*�8:(8/*/'7/+8��.+7+/3',9+7�7+,+77+*�94�'8�A*/7+)91>�/3;+89+*�)425'3/+8B��'3*�:3*+79'0+8�9.+�2'3'-+2+39

'*2/3/897'9/43�4,�+').�)425'3>�

$.+��425'3>�.'8�)43)1:*+*�2'3'-+2+39�'-7++2+398�</9.�/98�*/7+)91>�/3;+89+*�*42+89/)�/38:7'3)+�)425'3>

8:(8/*/'7/+8���#���������/98:/��/7+)9��+3+7'1���#���/4/��/,+��'3*��#��!7/2'7>��/,+��'3*�574;/*+8�9.48+�)425'3/+8�</9.

'*;/)+�'3*�49.+7�'88/89'3)+�

�+1/+;/3-�9.'9�*/7+)91>�'3*�6:/)01>�4(9'/3/3-�(:8/3+88�7+1'9+*�/3,472'9/43�,742�9.+��74:5�8�*42+89/)�/38:7'3)+

)425'3/+8�</11�)4397/(:9+�94�9.+�82449.3+88�4,��74:5�2'3'-+2+39��9.+��425'3>�.'8�+89'(1/8.+*�'�8>89+2�/3�<./).

/98�4<3�*/7+)9478�)43):77+391>�8+7;+�'8�*/7+)9478�4,�9.+��74:5�8�*42+89/)�/38:7'3)+�)425'3/+8���3�'**/9/43��*/7+)9478

4,�9.+��74:5�8�*42+89/)�/38:7'3)+�)425'3/+8�842+9/2+8�'99+3*�9.+��74:5��'3'-+2+39��422/99++�2++9/3-8�

*+5+3*/3-�43�9.+�574)++*/3-8�

�3�'**/9/43��9.+��425'3>�.'8�)43)1:*+*�2'3'-+2+39�'-7++2+398�</9.�/98�*/7+)91>�/3;+89+*�',,/1/'9+*�45+7'9/3-

)425'3/+8���39+7"/80�"+8+'7).��389/9:9+����438:19/3-�'3*�8+;+3�49.+7�)425'3/+8��'3*�:3*+79'0+8�9.+�2'3'-+2+39

'*2/3/897'9/43�4,�+').�)425'3>�

���@$.+��425'3>�.'8�+89'(1/8.+*��74:5</*+�('8/)�541/)/+8�/3)1:*/3-�9.+�A�'8/)�!41/)>�!+79'/3/3-�94�#>89+2�,47��39+73'1

�4397418�B�A"/80��'3'-+2+39��'8/)�!41/)>�B�A�'8/)��4251/'3)+�!41/)>�B�A�39+73'1��:*/9��'8/)�!41/)>�B�A"/80��55+9/9+

#9'9+2+39�B�'3*�A�'8/)��3,472'9/43�'3*�$+).3414->��4;+73'3)+�!41/)>�B��3�'**/9/43�94�7+6:/7/3-�)4251/'3)+�</9.�9.+8+

541/)/+8�(>��74:5�)425'3/+8��/25479'39�2'99+78�/3;41;/3-�*/7+)91>�/3;+89+*�)425'3/+8�7+6:/7+�+/9.+7�9.+�'5574;'1�4,�47

7+5479/3-�94�9.+��425'3>�/3�1/3+�</9.�2'3'-+2+39�8:5+7;/8/43�)4397')98�

� �@$.+��425'3>�+89'(1/8.+8��74:5�(:8/3+88�897'9+->��8:).�'8�9.+��74:5�8��+*/:2�9+72��'3'-+2+39�!1'3�

���@$.+��425'3>�574;/*+8�-:/*'3)+�'3*�8:5+7;/8/43�9.74:-.�9.+�243/947/3-�4,�9.+�574-7+88�4,�2'3'-+2+39�51'38�,472:1'9+*

(>��74:5�)425'3/+8�'3*�9.+�89'9:8�4,�(:8/3+88�+=+):9/43��</9.�9.+�'/2�4,�')./+;/3-�9.+�-4'18�4,�9.+��74:5�

""4411++��44,,����7744::55����442255''33//++88������//77++))9911>>����33;;++8899++**����442255''33//++88��

���@�74:5��425'3/+8���/7+)91>�/3;+89+*�)425'3/+8��,472:1'9+�9.+/7�4<3�541/)/+8�'3*�'557457/'9+1>�+89'(1/8.�/39+73'1

2'3'-+2+39�8>89+28�('8+*�43�9.+��74:5�8��'8/)�!41/)/+8��/3�'**/9/43�94�,472:1'9/3-�2'3'-+2+39�51'38�/3�+').�)425'3>

ここ

Corporate Governance > Corporate Governance > Group Management and Internal Control Systems

60

('8+*�43�9.+��74:5�8��+*/:2�9+72��'3'-+2+39�!1'3�94�)43*:)9�2'3'-+2+39�'8�/3*/;/*:'1�)425'3/+8�

���@�/7+)91>�/3;+89+*�)425'3/+8�'184�'557457/'9+1>�8:5+7;/8+�9.+�2'3'-+2+39�4,�9.+/7�8:(8/*/'7/+8�:3*+7�2'3'-+2+39

8:5+7;/8/43�)4397')98�

$$''8800��##55++))//,,//))����442222//9999++++88

$.+�9'80�85+)/,/)�)422/99++8�.';+�(++3�+89'(1/8.+*�</9.�9.+�'/2�94�*+1/(+7'9+�43�;'7/4:8�0+>�/88:+8�/3�2'3'-+2+39�<.+3

+=+):9/3-�45+7'9/438�'8�<+11�'8�94�)447*/3'9+�5+785+)9/;+8�')7488�;'7/4:8�*+5'792+398��&.+3�3+)+88'7>��9.+��/7+)947�8�

'3*47��=+):9/;+� ,,/)+7�8��/3�).'7-+�8:22'7/?+�9.+�7+8:198�4,�*/8):88/438�/3�9.+8+�)422/99++8�'3*�7+5479�9.+2�94�9.+��4'7*

4,��/7+)9478�'3*47�9.+��74:5��'3'-+2+39��422/99++�

��7744::55����''33''--++22++3399

''33**����4433//994477//33--

��442222//9999++++

!7/47�243/947/3-�

�'8/)'11>�9<4�9/2+8�'�2439.

!489�243/947/3-�

�'8/)'11>�43)+�'�2439.

%543�7+)+/;/3-�7+54798�43�2'99+78�7+1'9+*�94�9.+��4'7*

4,��/7+)9478�'3*�9.+��'3'-+2+39��422/99++�4,�*/7+)91>

/3;+89+*��74:5�/38:7'3)+�)425'3/+8��9.+�)422/99++

2++9/3-�)43,/728�2'99+78�9.'9�/3)1:*+�<.+9.+7�9.+

7+1'9+*�2'99+78�.';+�(++3�'5574;+*�'3*47�7+5479+*�

+38:7+8�,/3'3)/'1�84:3*3+88�4,�9.+��74:5�)425'3/+8��'3*

+38:7+8�'557457/'9+�7/80�2'3'-+2+39�'3*�45+7'9/438��$.+

�74:5��'3'-+2+39�'3*��43/947/3-��422/99++�2+9���

9/2+8�/3�,/8)'1�����

��""������442222//9999++++ �'8/)'11>�,4:7�9/2+8�'�>+'7

$.+��"���422/99++�<4708�94�2'/39'/3�-74<9.�'3*

/2574;+�574,/9'(/1/9>�(>�+38:7/3-�84:3*3+88�'3*�/2574;/3-

)'5/9'1�+,,/)/+3)>��,47�9.+�5:7548+�4,�7+'1/?/3-�9.+

/3)7+'8+�4,�9.+�+39+757/8+�;'1:+��$.+�*/7+)9/43�4,

2'3'-+2+39�897'9+-/+8�/3;41;+*�/3�574249/3-��"��

/3)1:*/3-�9.+�'114)'9/43�4,�)47547'9+�7+84:7)+8�('8+*�43

7/80�'55+9/9+�/8�*/8):88+*�'9�9.+�)422/99++��$.+��"�

�422/99++�2+9�8/=�9/2+8�/3�,/8)'1�����

��7744::55����3399++7733''99//4433''11����::88//33++8888

��442222//9999++++�'8/)'11>�,4:7�9/2+8�'�>+'7

$.+��422/99++�)43,/728�'3*�*/8):88+8�9.+�;/8/43�,47

�39+73'9/43'1��:8/3+88�897'9+->���39+73'9/43'1��:8/3+88

/3;+892+39��+9)���9.'9�)4397/(:9+8�94�8:89'/3'(1+��74:5

-74<9.���9�'184�8.'7+8�)42243�:3*+789'3*/3-�4,�/88:+8

7+-'7*/3-�9.+�741+�4,��39+73'9/43'1��:8/3+88�/3

897+3-9.+3/3-�4;+7'11��74:5�574,/9'(/1/9>�'3*

*+243897'9/3-�8>3+7-/+8��'3*�)43,/728�'3*�*/8):88+8�9.+

*/7+)9/43�4,�2+'8:7+8�,47�.'3*1/3-�9.48+�/88:+8�'3*�9.+/7

574-7+88��$.+��74:5��39+73'9/43'1��:8/3+88��422/99++

2+9�,4:7�9/2+8�/3�,/8)'1�����

����$$����333344;;''99//4433

��442222//9999++++�'8/)'11>�,4:7�9/2+8�'�>+'7

$.+��422/99++�/8�7+85438/(1+�,47�)447*/3'9/3-�9.+�0+>

/88:+8�'3*�2'3'-/3-�574-7+88�</9.��74:5���$�/334;'9/43

897'9+->��7+1'9+*�897'9+-/)�'11/'3)+8�'3*�/3;+892+398��+9)�

$.+���$��334;'9/43��422/99++�2+9�9.7++�9/2+8�/3�,/8)'1

����

""++4477--''33//??''99//4433

((>>����::33))99//4433

��442222//9999++++

�'8/)'11>�,4:7�9/2+8�'�>+'7

$.+��422/99++�)43,/728�9.+�89'9:8�4,�+='2/3'9/43

7+-'7*/3-�2'99+78�7+1'9+*�94�9.+�,:3)9/43'1�7+47-'3/?'9/43

4,��#�����74:5��'3*��/,�7+6:/7+*��*+1/(+7'9+8�897'9+-/)

*/7+)9/438��$.+�"+47-'3/?'9/43�(>��:3)9/43��422/99++

<'8�+89'(1/8.+*�/3�9.+�8+)43*�.'1,�4,�,/8)'1�����'3*�2+9

,4:7�9/2+8�

ここ

Corporate Governance > Corporate Governance > Group Management and Internal Control Systems

61

""//8800��''33**����44225511//''33))++

��442222//9999++++�'8/)'11>�,4:7�9/2+8�'�>+'7

&./1+�243/947/3-�9.+�4;+7'11�7/80�2'3'-+2+39�'3*��74:5�8

)4251/'3)+�2'99+78��/9�'184�*+1/(+7'9+8�'3*�)447*/3'9+8

9.+�0+>�/88:+8��$.+�"/80�'3*��4251/'3)+��422/99++�2+9

+/-.9�9/2+8�/3�,/8)'1�����

��33,,447722''99//4433����//88))114488::77++

��442222//9999++++�'8/)'11>�,4:7�9/2+8�'�>+'7

&/9.�9.+�'/2�94�'557457/'9+1>�*/8)148+��#�����74:5�8

)47547'9+�/3,472'9/43��/3)1:*/3-�9.+�,/3'3)/'1�*'9'��/9

+='2/3+8�45+7'9/43'1�574)+*:7+8�'3*�+;'1:'9+8�9.+

+,,+)9/;+3+88�4,�/39+73'1�)439741��$.+��3,472'9/43

�/8)148:7+��422/99++�2+9�+/-.9�9/2+8�/3�,/8)'1�����

��77''33**����442222//9999++++ �'8/)'11>�9<4�9/2+8�'�>+'7

$.+�)422/99++�*+1/(+7'9+8��)447*/3'9+8��'3*�2'3'-+8

8:).�/88:+8�'8�9.+�541/)>�'3*�51'33/3-�4,��74:5�(7'3*

897'9+->��$.+��7'3*��422/99++�2+9�43)+�/3�,/8)'1�����

��##""����442222//9999++++ �'8/)'11>�9<4�9/2+8�'�>+'7

$.+��422/99++�*/8):88+8�541/)>�7+-'7*/3-�9.+��74:5�8

�#"�/3/9/'9/;+8��8.'7+8�/3,472'9/43�7+-'7*/3-��#"�7+1'9+*

-14('1�97+3*8�'3*�).'3-+8�/3�+3;/7432+39��'3*�<4708�94

*++5+3�:3*+789'3*/3-�4,�9.48+�/88:+8��$.+��#"

�422/99++�2+9�9.7++�9/2+8�/3�,/8)'1�����

��7744::55��##>>8899++2288

��442222//9999++++�'8/)'11>�43)+�'�2439.

$.+�)422/99++�*+1/(+7'9+8��)447*/3'9+8��'3*�2'3'-+8

8:).�/88:+8�'8��$�897'9+->��8>89+2�7/80�2'3'-+2+39��'3*

9.+�1'7-+�8)'1+�8>89+2�*+;+1452+39�4,�9.+��74:5

)425'3/+8��$.+��74:5�#>89+28��422/99++�2+9����9/2+8

/3�,/8)'1�����

::9911//33++��44,,��99..++����4477554477''99++����44;;++7733''33))++��##>>8899++22

ここ

Corporate Governance > Corporate Governance > Group Management and Internal Control Systems

62

�#������79/)1+8�4,��3)47547'9/43�������

!7+8+398�4:7�'79/)1+8�4,�/3)47547'9/43�

ここ

Corporate Governance > Corporate Governance > Group Management and Internal Control Systems

63

�����$"%�#.���(��()��! (���� )(���� ��#(*'�#����'$*%���( ���$! �.���')� # #��)$��.()�"��$'��#)�'#�!��$#)'$!(���#�� #

��� ) $#�)$�)���(.()�"(�'�&* '���*#��'���%�#�(��$"%�#.���,��)����$"%�#.�'���'�(�)���/(.()�"(��$'��((*' #��)���'�! �� ! ).

$��� #�#� �!�'�%$') #�0�)$�����#� "%$')�#)�%�'(%��) +�� #�)����$#)�-)�$���#��#� #��'�!�)���(.()�"(�

�����$"%�#.�"� #)� #(���(.()�"� #����$'��#���, )��)� (���( ���$! �.���#��'�%$')(�)$�)����$�'��$�� '��)$'(�'���'� #��)��

'�(*!)(�$���#� #(%��)$#��$#�*�)����+�'.�.��'���$*)�)���(.()�"��* !� #���#��)����%%'$%' �)��$%�'�) $#�

��� ��#(*'�#����'$*%���( ���$! �.���')� # #��)$��.()�"��$'��#)�'#�!��$#)'$!(������

ここ

Corporate Governance > Corporate Governance > Group Management and Internal Control Systems > Internal Control Systems

64

��''%%(($$""��&&����

�!����� ��&+-*�&����*'-(��'*%-$�,���,!������ ��&+-*�&����*'-(��'%($"�&�����+"���'$"�0���/",!�,!���"%�'��"%�-"&

�$$�'��"��*+��&���%($'0��+�'����� ��'$�"& +��&��,!���'%�+,"���*'-(�"&+-*�&����'%(�&"�+�/",!���,!'*'- !��/�*�&�++

'���'%($"�&��

�,�"$����&�'*%�,"'&�'���'%($"�&��

��&&��''**%%��,,""''&&������&&�� ��%%��&&,,

�&�$" !,�'��,!��"%('*,�&���'��(*',��,"'&��'*�(�*+'&�$�"&�'*%�,"'&���&��"&�,!��"&,�*�+,�'���'%($"�&���/",!�*�$�,���$�/+��&�

*� -$�,"'&+��+�/�$$��+�(*'(�*�!�&�$"& �'���-+,'%�*�"&�'*%�,"'&��/��!�.���'*%-$�,������� ��&+-*�&����*'-(���+"�

�'$"�0��'*���&� �%�&,�'���-+,'%�*��&�'*%�,"'&���&������ ��&+-*�&����*'-(���+"���'$"�0��'*��!�*����+��'���-+,'%�*

�&�'*%�,"'&�

�,�"$����&�'*%�,"'&�'���&�'*%�,"'&���&� �%�&,

����++((''&&++""��""$$"",,""��++��""&&����**��&&++����,,""''&&++

����&���.'*�,'��& � ��"&���"*��&���)-",��$��,*�&+��,"'&+���&��,'���!"�.��'&� '"& ���.�&��%�&,��&���-$�"$$%�&,�'��+'�"�$

*�+('&+"�"$","�+�,' �,!�*�/",!�'-*��-+"&�++�(�*,&�*+�"&�.�*"'-+��-+"&�++���,".","�+

�,�"$����&�'*%�,"'&�'����+('&+"�"$","�+�"&��*�&+��,"'&+

��**��..��&&,,""''&&��''������''****--((,,""''&&��������**""����**00

�!����� ��&+-*�&����*'-(��'*%-$�,�+����� ��&+-*�&����*'-(��'%($"�&����-"��$"&�+��'*��&,�*&�,"'&�$��-+"&�++���'

�+�,'����)-�,�$0�%�"&,�"&��&����%"&"+,�*�,!���'%($"�&����*�%�/'*#�"&�,!�� *'-(��'%(�&"�+��&��,!�"*�'.�*+��+��&,","�+�"&

���'*��&���/",!�,!�+�� -"��$"&�+���&,�*&�,"'&�$��-+"&�++� "."+"'&+����'��,!�� *'-(��'%(�&"�+�(*�(�*����1�'%($"�&��

��&-�$2��&��(*'%',��,!��(*�(�*�,"'&��&��'(�*�,"'&�'����1�'%($"�&����*' *�%2�/",!"&�,!�"*�'.�*+��+��&,","�+

�-*,!�*%'*���1�-"��$"&�+�'&�&,"��*"��*0����+-*�+2��*��+,"(-$�,���"&�,!�+��1�'%($"�&�����&-�$+2��&��"%($�%�&,��

,!*'- !�,!���+,��$"+!%�&,�'�����)-�,��*-$�+��&��,*�"&"& �"&�'.�*+��+��&,","�+

����1�&,�*&�,"'&�$��-+"&�++� "."+"'&+2�"&�$-���'.�*+��+�+-�+"�"�*"�+���*�&�!�+��'��"��+��&��,!����(�*,%�&,+��,�,!������

���"��+�"&��!�* ��'��"&,�*&�,"'&�$��-+"&�++�'(�*�,"'&+

ここ

Corporate Governance > Compliance

65

��++)),,((%%��**��!!�� ��//%%������++((%%��55

�!�"+.)1(�0! �0$!��+),(%�*�!� �/%���+(%�5��* ���������*/1.�*�!��.+1,��+),(%�*�!� �/%���+(%�5��3$%�$�%/��+),(%�*�!

�.%0!.%+*�+"�0$!� �/%���+(%�5� �/! �+*�0$%/� �/%���+(%�5�+.�!��$�,+(%�5��3!��* �������%*/1.�*�!��+),�*%!/�3+.'�,+/%0%2!(5

0+� !2!(+,�0$+.+1#$��+),(%�*�!��((�+""%�!./��* �!),(+5!!/���..5�+10�+1.�/+�%�(�.!/,+*/%�%(%05�3%0$�.!/,+* %*#�0+��+*"% !*�!�+"

�((�0$!�/0�'!$+( !./�%*�(1 %*#��1/0+)!./�0$.+1#$�0$!��+.,+.�0!���0%2%0%!/���/! �+*�0$!�$%#$�!0$%��(�/!*/!�3%0$+10�"�%(%*#�0+

�+),(5�3%0$�(�3/��* ��+),�*5�%*0!.*�(�.1(!/

�������*/1.�*�!��.+1,��+),(%�*�!� �/%���+(%�5

�/%���+(%�5��+*�!.*%*#��*0%/+�%�(��+.�!/

�/%���+(%�5�"+.���*�#!)!*0�+"��+*"(%�0/�+"��*0!.!/0

��++)),,((%%��**��!!����..++))++00%%++**����00..11��0011..!!

�$!��+),�*5�$�/�"+.)! �0$!��%/'��* ��+),(%�*�!��+))%00!!���/�+*!�+"�0$!�0�/'/,!�%"%���+))%00!!/�1* !.�0$!� +�. �+"

�%.!�0+./��0+�)+*%0+.��/�3!((��/� %/�1//��* �)�'!�*!�!//�.5�� &1/0)!*0/�%*�0$!��+),(%�*�!�/0.1�01.!��+.�%),+.0�*0�)�00!./

.!(�0! �0+��+),(%�*�!��0$!��%/'��* ��+),(%�*�!��+))%00!!�.!,+.0/�0+�0$!� +�. �+"��%.!�0+./��"0!.� %/�1//%+*�%*�0$!

�+))%00!!

�$!��+),�*5�!/0��(%/$! �%0/��+),(%�*�!��!,�.0)!*0��/�0$!�+.#�*%6�0%+*�(�1*%0�0+�%*0!#.�0!��* �)�*�#!��.+1,��+),(%�*�!

)�00!./��$%/� !,�.0)!*0�%/�.!/,+*/%�(!�"+.�%*0!#.�0%*#��+),(%�*�!�%*%0%�0%2!/�3%0$%*�0$!��+),�*5��* � +)!/0%���.+1,

%*/1.�*�!��+),�*%!/

���$�1*%0�%*�0$!� +)!/0%���.+1,�%*/1.�*�!��+),�*%!/�0$�0�%/�%*��$�.#!�+"��+),(%�*�!�)�00!./�%/�.!/,+*/%�(!�"+.�0$!

,.!,�.�0%+*��* �%),(!)!*0�0%+*�+"�,+(%�%!/��%*0!.*�(�.1(!/���* �)!�/1.!/�.!(�0! �0+��+),(%�*�!��* �"+.�,(�**%*#��* �+,!.�0%*#

��0%2%0%!/�.!(�0! �0+��1/%*!//�+,!.�0%*#�.1(!/�,!.0�%*%*#�0+�%*/1.�*�!�/+(%�%0�0%+*��* �/�(!/��$!/!�1*%0/��.!��(/+�0$!�"+��(

,+%*0/�"+.�"��0�"%* %*#��* ��+*"%.)�0%+*��/�3!((��/��+* 1�0%*#�%*2!/0%#�0%+*/�.!(�0! �0+���0%2%0%!/�3$!.!�0$!.!��.!��+*�!.*/

��+10�2%+(�0%+*/�+"�%*0!.*�(�.1(!/��* �+0$!.��+),(%�*�!�%//1!/

����00%%22%%00%%!!//

��++)),,((%%��**��!!����..++##..��))

�!��* �������%*/1.�*�!��+),�*%!/���/���,�.0�+"�0$!��+),(%�*�!�%),(!)!*0�0%+*�,(�*��.!/+(2!�0$!��+),(%�*�!��.+#.�)��0

0$!� +�. ��!!0%*#/��* �,1./1!�0$!�/,!�%"%��%//1!/��$!�%),(!)!*0�0%+*��* �%//1!/�+"�0$!��.+#.�)��* �.!/,+* %*#�%//1!/��.!

.!#1(�.(5�/1�)%00! �0+�!��$��+),�*5�/��+),(%�*�!��+))%00!!��* �+.�0$!� +�. ��!!0%*#/

��++)),,((%%��**��!!������**11��((

�!��* �������%*/1.�*�!��+),�*%!/�$�2!�!��$��+),(%�*�!���*1�(�0$�0�/0�0!/�0$!%.��+),(%�*�!.!(�0! �,+(%�%!/��*

.!#1(�0%+*/��3%0$�!4�),(!/��* �%*0!.,.!0�0%+*/��"+.��+�. �)!)�!./��* �!),(+5!!/��$!���*1�(�%/� %/0.%�10! �0+��+�. �)!)�!./

�* �!),(+5!!/���* �%0/��+*0!*0�%/�"�)%(%�.%6! �0$.+1#$�0.�%*%*#��* �!4�)%*�0%+*/��.+�! 1.!/�"+.�.!,+.0%*#�%*�,,.+,.%�0!

�!$�2%+.�%/�/0%,1(�0! �%*�0$!���*1�(�"+.�0$!�/,!! 5�$�* (%*#�+"�)%/�+* 1�0

��++)),,((%%��**��!!..!!((��00!! ����..��%%**%%**##

�/! �+*�0$!��+),(%�*�!��.+#.�)��3!��* �������%*/1.�*�!��+),�*%!/�+.#�*%6!��**1�(�! 1��0%+*���0.�%*%*#�,.+#.�)/�"+.

!),(+5!!/��* ��#!*�%!/�0+�.�%/!�0$!�'*+3(! #!�+"�(�3/��* ��+),�*5�%*0!.*�(�.1(!/��* �0+�!*$�*�!�0$!�'*+3(! #!�+"

�+),(%�*�!

��++)),,((%%��**��!!..!!((��00!! ����**//,,!!��00%%++**

������%*/1.�*�!��+),�*%!/��+* 1�0��+),(%�*�!.!(�0! �%*/,!�0%+*/�"+.�,.!2!*0%+*��* �!�.(5� !0!�0%+*�+"�1*(�3"1(���0/�0$�0

ここ

Corporate Governance > Compliance > Compliance

66

)�5�2%+(�0!�(�3/�+.��+),�*5�%*0!.*�(�.1(!/

��++**%%00++..%%**##����..++11,,����++)),,��**%%!!//

�$!��+),(%�*�!��!,�.0)!*0�)+*%0+./��* �.!,+.0/�+*��+),(%�*�!.!(�0! ���0%2%0%!/�+"�������%*/1.�*�!��+),�*%!/��.+1,

�+),(%�*�!��%2%/%+*��!!0%*#/��.!�$!( �0+�/$�.!�'*+3(! #!��* �'*+3$+3�+*��+),(%�*�!.!(�0! �%//1!/�%*�+. !.�0+�.!%*"+.�!

�+),(%�*�!�0$.+1#$+10�0$!�#.+1,

��**00!!..**��((����!!,,++..00%%**##����55//00!!))

�$!��������*/1.�*�!��.+1,�$�/�!/0��(%/$! �2�.%+1/�%*0!.*�(�.!,+.0%*#�/5/0!)/�/1�$��/�0$!��������!(,(%*!��.+1,��+),�*5

!),(+5!!/���*��+*0��0�0$!�$!(,(%*!�0+�)�'!���.!,+.0�+.�$�2!����+*/1(0�0%+*�%"����+),(%�*�!.!(�0! �%//1!��.%/!/����+*0��0

!/'�$�/��(/+��!!*�!/0��(%/$! ��0��*�!40!.*�(�(!#�(�+""%�!�0+�)�'!�%0�!�/%!.�"+.�.!,+.0!./��$!�% !*0%05�+"�.!,+.0!./�%/�,.+0!�0!

�* �0$!%.�%*"+.)�0%+*�%/�$�* (! ���.!"1((5�0+�,.+0!�0�0$!)��* �!*/1.!�0$�0�0$!5� +�*+0�/1""!.��*5�1*"�%.�0.!�0)!*0

��++)),,((%%��**��!!����..++))++00%%++**����00..11��0011..!!��%%**����**00!!..**��00%%++**��((�� 11//%%**!!////����,,!!..��00%%++**//

��*�#!)!*0��* �/0�""�+"�0$!�+2!./!�/�+""%�!/�+"�0$!��������*/1.�*�!��.+1,�#%2!�$%#$!/0�,.%+.%05�0+��+),(%�*�!��* �0�'!

��.!�0+�.!/,!�0�0$!��1(01.!/���1/0+)/���* �$%/0+.%!/�+"��+1*0.%!/��* �.!#%+*/�3$!.!�0$!5�/!.2!��/�3!((��/���0�%*���)�**!.�0$�0

�+*0.%�10!/�0+� !2!(+,)!*0�+"�0$+/!�.!#%+*/��$!��+),�*5�$�/�!/0��(%/$! �%0/��*0!.*�0%+*�(��1,!.2%/+.5��!,�.0)!*0�0+

%*0!#.�0!��* �)�*�#!�)�00!./�.!(�0! �0+��+),(%�*�!��0�+2!./!�/�+""%�!/�+"��.+1,��+),�*%!/���* �%0�)+*%0+./�0$!��+),(%�*�!

.!(�0! �%*%0%�0%2!/�+"�0$!/!�+2!./!�/�+""%�!/��3$%(!��(/+�,.+2% %*#�#1% �*�!��* ��//%/0�*�!��$%/� !,�.0)!*0�3+.'/�3%0$�0$!

�+),(%�*�!��!,�.0)!*0��3$%�$�%/�%*��$�.#!�+"�+2!.�((�%*0!#.�0%+*�+"��.+1,��+),�*%!/��0+�,.+2% !�,!.%+ %��.!,+.0/�.!#�. %*#�0$!

/0�01/�+"��+),(%�*�!�+2!./!�/� %.!�0(5�0+�0$!��+),�*5�/� +�. �+"��%.!�0+./��!0���$!� !,�.0)!*0��(/+�!*#�#!/�%*���0%2%0%!/�0+

%),.+2!��* �!4,�* �0$!�+2!./!�/��+),(%�*�!�,.+)+0%+*�/0.1�01.!

��..!!22!!**00%%++**��++""����++....11,,00%%++**������ ..%%��!!..55

�$!��������*/1.�*�!��.+1,�"+.)1(�0!/���������*/1.�*�!��.+1,��+),(%�*�!��1% !(%*!/�"+.��*0!.*�0%+*�(� 1/%*!//���+��/

0+�� !-1�0!(5�)�%*0�%*��* �� )%*%/0!.�0$!��+),(%�*�!�".�)!3+.'�%*�0$!�#.+1,��+),�*%!/��* �0$!%.�+2!./!�/�!*0%0%!/�%*

���+. �*�!�3%0$�0$!/!�#1% !(%*!/���*0!.*�0%+*�(� 1/%*!//��%2%/%+*/����+"�0$!�#.+1,��+),�*%!/�,.!,�.!���8�+),(%�*�!���*1�(9

�* �,.+)+0!�0$!�,.!,�.�0%+*��* �+,!.�0%+*�+"���8�+),(%�*�!��.+#.�)9�3%0$%*�0$!%.�+2!./!�/�!*0%0%!/

�1.0$!.)+.!��8�1% !(%*!/�+*��*0% .%�!.5��!�/1.!/9��.!�/0%,1(�0! �%*�0$!/!�8�+),(%�*�!���*1�(/9��* �%),(!)!*0! �0$.+1#$

0$!�!/0��(%/$)!*0�+"�� !-1�0!�.1(!/��* �0.�%*%*#�%*�+2!./!�/�!*0%0%!/

���8�*0!.*�0%+*�(� 1/%*!//��%2%/%+*/9�%*�(1 !�+2!./!�/�/1�/% %�.%!/���.�*�$!/��+""%�!/��* �0$!� !,�.0)!*0/��0�0$!��!� ��""%�!/

%*��$�.#!�+"�%*0!.*�0%+*�(��1/%*!//�+,!.�0%+*/�

����44����++)),,((%%��**��!!��!!""""++..00//

��++)),,((%%��**��!!��33%%00$$��((��33//����** ��..!!##11((��00%%++**//

�$!��������*/1.�*�!��.+1,�3%((��+),(5�3%0$�0$!�(�3/��* �.!#1(�0%+*/�+"�!��$�&1.%/ %�0%+*���* �3%((�"%(!��((�0�4�.!01.*/��* �,�5

�((�0�4!/�.!-1%.!

��!!((��00%%++**//$$%%,,//��33%%00$$��00��44����1100$$++..%%00%%!!//

�$!��+),�*5��* �!��$��+),�*5�%*�0$!��.+1,�3%((�/0.%2!�0+�)�*�#!�0�4�.%/'��* ��1%( �#++ �3+.'%*#�.!(�0%+*/$%,/�3%0$�0�4

�10$+.%0%!/�0$.+1#$�,.%+.��+*/1(0�0%+*��+*�!.*%*#�0�4�0.!�0)!*0/��* �,.+2% %*#��,,.+,.%�0!�%*"+.)�0%+*�%*���0%)!(5�)�**!.�%*

.!/,+*/!�0+�.!-1!/0/��5�0�4��10$+.%0%!/

��!!//,,++**//!!��00++�� ����������..++&&!!��00

�$!��������*/1.�*�!��.+1,�1* !./0�* /�0$!�%*0!*0�+"�0$!������ ����� �/!��.+/%+*��* ��.+"%0��$%"0%*#���.+&!�0���* �3%((

1* !.0�'!�!""+.0/�/+�0$�0�/1%0��(!�0�4�,�5)!*0/��.!�)� !�%*��,,.+,.%�0!�&1.%/ %�0%+*/

�*0.�#.+1,�0.�*/��0%+*/��.!��+* 1�0! ��0��.)7/�(!*#0$�,.%�!/���* �!""+.0/�3%((��!�)� !�/+�0$�0��*��,,.+,.%�0!�%*0!.*�0%+*�(

�((+��0%+*�+"�,.+"%0/�%/���$%!2!

ここ

Corporate Governance > Compliance > Compliance

67

��

���

�&�

�&&�

�&&&�

�&�

�&&�

�&&&�

�&3�

�&�

�&&�

�&&&�

�%"���� ���+02/�+ "��/,2-�%�0�"01��)&0%"!�����0& ��,*-)&�+ "��,)& 6��0�#,)),40

������ ������++0022//��++ ""����//,,22--����,,**--))&&��++ ""������00&& ����,,))&& 66

�%"���� ���+02/�+ "��/,2-�-,0&1&,+0� ,*-)&�+ "��0�,+"�,#�1%"�#,/"*,01�-/&,/&1&"0�&+�1%"�*�+�$"*"+1�,#�1%"��/,2-

�"�%�3"��!,-1"!�1%"�#,)),4&+$�-,)& &"0�1,�"01��)&0%���01/2 12/"�&+�4%& %��))�,#�,2/�,##& "/0��+!�"*-),6""0��&*�1,

� %&"3"� ,*-)&�+ "��4&1%��� ,+01�+1��4�/"+"00�,#�,2/� ,/-,/�1"�0, &�)�/"0-,+0&�&)&16

������00&& ����,,))&& 66

�"�&+1"+!�1,�� %&"3"�,2/�*&00&,+��6�"+02/&+$� ,*-)&�+ "�&+�"3"/6��0-" 1�,#�,2/� ,/-,/�1"�� 1&3&1&"0��+!��6

"01��)&0%&+$� ,/-,/�1"�"1%& 0

�"�!"#&+"� ,*-)&�+ "��0��1�(&+$�0&+ "/"��#�&/���+!�-/,-"/�� 1&,+0�1,�/"0-,+!�1,�1%"�"5-" 1�1&,+0��+!�/".2"010�,#

0, &"16���6� ,*-)6&+$�4&1%��))�)�40��+!�/"$2)�1&,+0�/")�1"!�1,�,2/� ,/-,/�1"�� 1&3&1&"0��/")"3�+1�$2&!")&+"0�&002"!

�6� ,*-"1"+1�$,3"/+*"+1��$"+ &"0���+!�/"$2)�1&,+0�,#�1%"�%,)!&+$� ,*-�+6��+!��/,2-� ,*-�+&"0���)�40��+!

/"$2)�1&,+0��"1 ��8

������""33"")),,--**""++11��,,##����,,**--))&&��++ ""����11//22 1122//""

��������""33"")),,--**""++11��,,##��00660011""**00

�"�4&))�!"3"),-���0601"*�2+!"/�4%& %�&*-,/1�+1� ,*-)&�+ "�*�11"/0��+!��/"� %"0�,#�/")"3�+1�)�40��+!

/"$2)�1&,+0��/"��--/,-/&�1")6�/"-,/1"!�1,��,�/!��+!�0"+&,/�*�+�$"*"+1

�"�4&))�*�+�$"� ,*-)&�+ "�*�11"/0�&+��+�&+1"$/�1"!�*�++"/��"01��)&0%���!"-�/1*"+1�1%�1�"+#,/ "0��+!

*,+&1,/0� ,*-)&�+ "���+!�$&3"�1%"�!"-�/1*"+1�1%"��21%,/&16�+""!"!�1,�#2+ 1&,+�1%"� ,*-)&�+ "�01/2 12/"

"##" 1&3")6

�"�4&))�!"3"),-�/"-,/1&+$��+!� ,+02)1&+$�0601"*0���#,/�"5�*-)"0�4%"+�,2/�,##& "/0��+!�"*-),6""0�&!"+1&#6

�+6� ,*-)&�+ "�/")�1"!�*&0 ,+!2 1��+!��/"� %"0�,#�)�40��+!�/"$2)�1&,+0

����������++##,,// &&++$$�� ,,**--))&&��++ ""

�"�4&))� /"�1"����,*-)&�+ "���+2�)�0"11&+$�,21�0-" &#& �$2&!")&+"0�#,/� ,*-)&�+ "��+!�4&))��" ,*"�#2))6

#�*&)&�/�4&1%�&1

�"�4&))�!"3"),-��+!�&*-)"*"+1��+��++2�)��,*-)&�+ "��/,$/�*��0���0-" &#& �-)�+�,#�� 1&,+��+!�-/� 1& "

,*-)&�+ "�� ,/!&+$)6

�"�2+!"/1�("�1/�&+&+$��+!�&+0-" 1&,+0�1,�"+02/"� ,*-)&�+ "

�"�4&))�&**"!&�1")6� ,//" 1��+6�&+�--/,-/&�1"��"%�3&,/�/")�1"!�1,� ,*-)&�+ "��+!��+�)67"�1%"� �20"0�1,

-/"3"+1���/" 2//"+ "

������,,!!""��,,##����,,++!!22 11��##,,//����####&& ""//00����++!!����**--)),,66""""00����,,++ ""//++&&++$$����,,**--))&&��++ ""

����������&&11%%##22))�� ,,++!!22 11

�"�4&))� ,*-)6�4&1%�)�40��+!�/"$2)�1&,+0��"1 ���+!�&#�4"�!&0 ,3"/��+6��"%�3&,/�4&1%�1%"�-,1"+1&�)�1,��/"�(

)�40��+!�/"$2)�1&,+0��"1 ��4"�4&))�%�3"�1%"� ,2/�$"�1,�-,&+1�,21�1%"��"%�3&,/��+!� ,//" 1�&1�&+� ,,-"/�1&,+

4&1%�/")�1"!�-"/0,+0��+!��21%,/&1&"0�4%"/"�+" "00�/6

�%"+� ,+0&!"/&+$��+�� 1&,+��4"�4&))��0(�,2/0")3"0�&#�1%"�� 1&,+�&0�"1%& �)��&#�4"� �+�"5-)�&+�1%"�� 1&,+�1,�,2/

201,*"/0��#/&"+!0��+!�#�*&)6�4&1%� ,+#&!"+ "���+!�&#�1%"�� 1&,+�4&))�-/"0"/3"� ,+#&!"+ "�&+�1%"���� �

�+02/�+ "��/,2-��+!�&10��/�+!

�"�1/"�1�"3"/6�-"/0,+�#�&1%#2))6��#�&/)6���+!��--/,-/&�1")6�&+�"3"/6�0&12�1&,+

ここ

Corporate Governance > Compliance > MS&AD Insurance Group Compliance Basic Policy

68

�&�

�&&�

�&&&�

�&3�

�3�

�3&�

�3&&�

�3&&&�

�&5�

�5�

�&�

�&&�

����������,,++!!22 11��11,,��""++0022//""��11%%��11�� ,,//--,,//��11""���� 11&&33&&11&&""00����//""����----//,,--//&&��11""

�"�4&))�+,1�"+$�$"�&+�2+#�&/�1/�!"��02 %��0�/"01/& 1&+$� ,*-"1&1&,+�1%/,2$%� ,))20&,+�,/�� .2&/&+$�2+#�&/

�"+"#&10��6���20&+$�,2/�-,0&1&,+

�"�4&))�-/,1" 1�,2/�&+1"))" 12�)�-/,-"/16�/&$%10��+!�4&))�+,1�&+#/&+$"�,+�1%"�&+1"))" 12�)�-/,-"/16�/&$%10�,#

,1%"/0

�"�4&))�!&)&$"+1)6�*�+�$"� 201,*"/�&+#,/*�1&,+�4"�,�1�&+�&+�1%"� ,2/0"�,#�,2/�4,/(��+!�20"�02 %�&+#,/*�1&,+

,+)6�#,/�0-" &#&"!��--/,3"!�-2/-,0"0

�"�4&))��"�/"0,)21"�&+�!"�)&+$�4&1%��+1&�0, &�)�#,/ "0��+!�4&))�+,1�� "-1��+6�2+'201��2+)�4#2)�,/�2+"1%& �)

!"*�+!0

�"�4&))��--/,-/&�1")6�*�+�$"� ,+#)& 10�,#�&+1"/"010�1,�"+02/"�1%�1�,2/� 201,*"/0��&+1"/"010��/"�+,1

,*-/,*&0"!�2+#�&/)6

�"�4&))�"+02/"�1%�1�1/�+0� 1&,+0��/"�#�&/��#,/�&+01�+ "�4%"+�4"�!,��20&+"00�4&1%&+�1%"��/,2-�,/�#,/*��

�20&+"00��))&�+ "

�"�4&))�"+02/"�1%�1�,2/�*�+�$"*"+1�&0�1/�+0-�/"+1���6�!&0 ),0&+$�&+#,/*�1&,+��--/,-/&�1")6�,+���1&*")6���0&0

�"�4&))�+,1�"+$�$"�&+�&+0&!"/�1/�!&+$��1/�!&+$�&+�01, (0��"1 �20&+$�&*-,/1�+1�2+!&0 ),0"!�&+#,/*�1&,+�

�"�4&))��--/,-/&�1")6�*�+�$"��00"10��&*-,/1�+1�&+#,/*�1&,+���+!�1/�!"�0" /"10��"1 �,#�1%"��/,2-� ,*-�+&"0

�"�4&))�+,1�0""(�-"/0,+�)��"+"#&10��6�*�(&+$�20"�,#�,2/�-,0&1&,+�&+��20&+"00

����������""00--"" 11��##,,//����22**��++����&&$$%%1100����++!!����//""��11&&++$$��������,,00&&11&&33""����,,//((&&++$$����++33&&//,,++**""++11

�"�/"0-" 1�%2*�+�/&$%10��+!�4&))�+,1�!&0 /&*&+�1"�,/�%�/�00�-",-)"���0"!�,+�/� "��+�1&,+�)&16��$"+!"/���$"�

-/,#"00&,+��/"$&,+��#�&1%��!&0��&)&16��,/�,1%"/�")"*"+10

�"�4&))� /"�1"���0�#"��+!� ,*#,/1��)"�4,/(&+$�"+3&/,+*"+1

ここ

Corporate Governance > Compliance > MS&AD Insurance Group Compliance Basic Policy

69

����$"%�#.���(��()��!�(����)���1�������#(*'�#����'$*%��(����$!��.�$#��'#�#���#)�($���!� $'��(�2��#����$'��#���,�)�

)��(��(����$!��.��)���$"%�#.��#���)(��'$*%��$"%�#��(�,�!!�()'�+��)$�(�+�'��#.�'�!�)�$#(�,�)���#)�($���!��$'��(��'�)��#�)��

)'*()�$��)���%*�!����#���$#�*�)��*(�#�((�%'$%�'!.��#��($*#�!.�

��������������##((**''��##��������''$$**%%����((��������$$!!����..��$$##����''##��##������##))��(($$������!!�� $$''����((

��0����%$()*'��$��)����������#(*'�#����'$*%�)$,�'���#)�($���!��$'��(�)��)�%$(����)�'��)�)$�)���%������#��(���).�$�

($���).�"*()����$#��$��'�($!*)��'��*(�!�)$���&*��(���)$��#.�*#'��($#��!���#���#�%%'$%'��)����"�#�(�����$')�"*()

���"����)$�(�+�'��#.�'�!�)�$#(��%(�,�)���#)�($���!��$'��(�($��(�)$�'�)��#�)���%*�!���)'*()��(�,�!!��(��((*'��)��

%'$%�'��#��($*#���$#�*�)�$���*(�#�((�

��0�#�����)�$#�)$���+�#���#�$'��#�/�)�$#�!�(.()�"��#�%!����)$����!�,�)���#�%%'$%'��)����"�#�(��'$"��#)�($���!��$'��(�

�!$(��'�!�)�$#(��%(�,�)��$*)(����(%����!�/���$'��#�/�)�$#(�(*����(�)���%$!�����)�����)�$#�!��#)�'��$'�)����!�"�#�)�$#

$����$!�#)��'$*%(��#��!�,�$�����(�(�$*!�������+�!$%���

��0����$#�'$#)���,�)���#��#�%%'$%'��)����"�#���'$"��#)�($���!��$'��(���#�����)�$#�)$��((*'�#��)��)�)��������()�%'�$'�).��(

%!�����$#�)���(���).�$��$�����'(��#���"%!$.��(��'�(%$#(�+����)�$#�(�$*!�������''����$*)��)�)���$'��#�/�)�$#�!�!�+�!

'�)��'�)��#��.�(%�������%�'($#(��#����'���$'��#��+��*�!��*(�#�((�*#�)(�

�#���($!*)�!.�#$���'�*"()�#��(�,��)($�+�'��'���#.�)'�#(��)�$#(�)��)�,$*!��'�(*!)��#��*#�(����#��%'$+�����)$

�#)�($���!��$'��(�$'��#��$#���!"�#)�$�����)(�)$����*#��')� �#������'�(%$#(�+����)�$#(�"*()����!���!��$)���#�)�'"(

$����+�!��#���'�"�#�!�!�,�

ここ

Corporate Governance > Compliance > Group Governance : Basic Policy Concerning Antisocial Forces

70

+��"'�'�"�%�"'+,",-,"('+��*���('+(%"��,���"'�*��+"' %1��'��+�*."��+�)*(."�����1�,!�&�����&��&(*���".�*+���,!�*��"+��� *(/"'

*"+$�(���('�%"�,+�(��"',�*�+,��*"+"' ��-��,(�,!���0"+,�'���(��'-&�*(-+�())(+"' ��'���(&)�,"' �"',�*�+,+�/",!"'�,!�+���"'�'�"�%

"'+,",-,"('+��'���"'�'�"�%� *(-)+���!���(&)�'1�!�+��+,��%"+!���,!��2��� ���'+-*�'����*(-)���+"���(%"�1��(*���'� �&�',�(�

�('�%"�,+�(���',�*�+,3�,(�&�'� ���('�%"�,�(��"',�*�+,�,*�'+��,"('+��'���('�-�,�()�*�,"('+��))*()*"�,�%1�"'�(*��*�,(��.("���'1

-'��"*��"+��.�',� �+�,(��-+,(&�*+�

��+���('�,!"+�)(%"�1��,!���(&)�'1��'��,!���(&)�'1�+��(&�+,"��"'+-*�'���+-�+"�"�*"�+�/"%%��+,��%"+!��(*)(*�,��+1+,�&+��'�

,�$��(,!�*��))*()*"�,��+,�)+��"'�%-�"' �,!���(*&-%�,"('�(��"',�*'�%�*� -%�,"('+��'��*-%�+�*� �*�"' �,!��&�'� �&�',�(���('�%"�,+

(��"',�*�+,��'��,!���+,��%"+!&�',�(����)�*,&�',+�,(�(.�*+���&�'� �&�',�(��+-�!��('�%"�,+�

������ ������''++--**��''��������**((--))������++""������((%%""��11����((**������''�� ��&&��'',,��((������((''��%%""��,,++��((������'',,��**��++,,

�!���(&)�'1��'��",+�+-�+"�"�*1��(&�+,"��"'+-*�'����(&)�'"�+��!�*�"'��,�*�*���**���,(��+�,!��2�(&�+,"���*(-)

"'+-*�'����(&)�'"�+3��+!�%%�&�'� ��,*�'+��,"('+��('�-�,����1��"'�'�"�%�"'+,",-,"('+�(��,!����� ���'+-*�'����*(-)

�!�*�"'��,�*�*���**���,(��+�,!��2�*(-)��"'�'�"�%�"'+,",-,"('+3��,!�,�&�1�)(+�����('�%"�,�(��"',�*�+,��'���('�-�,

�-+"'�++�)*()�*%1���+���('�,!���(%%(/"' �)(%"�"�+�,(��.("���'1�-'��"*��"+��.�',� ��,(��-+,(&�*+�

��������--��##����,,����**��''++����,,""((''++����''������!!��""**����11))��++

�����-�#��,��*�'+��,"('+

+�-+���!�*�"'��2,*�'+��,"('�/",!���)(,�',"�%��('�%"�,�(��"',�*�+,3��!�*�"'��,�*�*���**���,(��+���2+-�#��,

,*�'+��,"('3��+!�%%�*���*�,(���,*�'+��,"('��('�-�,����1����*(-)��"'�'�"�%�"'+,",-,"('�,!�,�!�+�,!��)(,�',"�%�,(���

-'��"*%1��"+��.�',� �(-+�,(��-+,(&�*+�

����1)�+�(���-�#��,��*�'+��,"('+

�!���(&)�'1��'���(&�+,"���*(-)�"'+-*�'����(&)�'"�+�+!�%%�&�'� ��+-�#��,�,*�'+��,"('+���+���('�,!�"*�,1)���+

�(%%(/+�

�"���*�'+��,"('+�/!�*��,!����+,�"',�*�+,+�(���-+,(&�*+��*��"'�)(,�',"�%��('�%"�,�/",!�,!����+,�"',�*�+,+�(���*(-)

�"'�'�"�%�"'+,",-,"('+�

�""���*�'+��,"('+�/!�*��,!����+,�"',�*�+,+�(���-+,(&�*+��*��"'�)(,�',"�%��('�%"�,�/",!�,!����+,�"',�*�+,+�(��(,!�*

�-+,(&�*+�(���*(-)��"'�'�"�%�"'+,",-,"('+�

��������,,!!((��++����((**������''�� ""'' ����--��##����,,����**��''++����,,""((''++

�!���(&�+,"���*(-)�"'+-*�'����(&)�'"�+�+!�%%��!((+���",!�*�,!���(%%(/"' �&�,!(�+�(*�(,!�*�&�,!(�+��(*��

�(&�"'�,"('�,!�*�(����(*�,!��)*()�*�&�'� �&�',�(��+-�#��,�,*�'+��,"('+�

�"�� �&�,!(���',�"%"' �,!��+�)�*�,"('�(��,!���-+"'�++�-'",��('�-�,"' �,!��+-�#��,�,*�'+��,"('��*(&��'(,!�*

�-+"'�++�-'",��('�-�,"' �,*�'+��,"('+��(*��-+,(&�*+�,!�,�&" !,���������,����1�,!��+-�#��,�,*�'+��,"('�

�""�� �&�,!(��,!�,�"'.(%.�+�&�$"' ��))*()*"�,���"+�%(+-*��,(��-+,(&�*+�*� �*�"' �,!��)(,�',"�%�,!��+-�#��,

,*�'+��,"('�&" !,�!�.��"'���-+"' �-'��"*��"+��.�',� ��,(�,!���-+,(&�*+�

�"""�� �&�,!(��)*(."�"' ��(*����!�' ��(���('�","('+�(*�&�,!(�(%( 1�(��,!��+-�#��,�,*�'+��,"('�(*�(,!�*�,*�'+��,"('+

/",!��-+,(&�*+�,!�,�&" !,���������,����1�,!��+-�#��,�,*�'+��,"('�

�".�� �&�,!(��,!�,�"'.(%.�+��"+�(',"'-"' �,!��+-�#��,�,*�'+��,"('�(*�(,!�*�,*�'+��,"('+�/",!��-+,(&�*+�,!�,�&" !,

��������,����1�,!��+-�#��,�,*�'+��,"('�

������11++,,��&&����((**������''�� ""'' ����((''��%%""��,,++��((������'',,��**��++,,

�(��('�-�,�&�'� �&�',�(���('�%"�,+�(��"',�*�+,��,!���(&)�'1��'���(&�+,"���*(-)�"'+-*�'����(&)�'"�+�+!�%%

�+,��%"+!�����)�*,&�',�(*�+)��"�"��)�*+('�,(����*�+)('+"�%���(*�(.�*�%%�&�'� �&�',�,!�*�(����-�#��,�,*�'+��,"('+

+!�%%����&�'� ���"'���-'"�(*&�&�''�*��1�&��'+�(���(&)"%"' �"'�(*&�,"('�)�*,�"'"' �,(��('�%"�,+�(��"',�*�+,������++�*1

��-��,"('��'��,*�"'"' �+!�%%��%+(����)*(."����,(�(��"��*+��'���&)%(1��+�+(�,!�,�&�'� �&�',�"+��('�-�,���)*()�*%1�

�'�����(*,�+!�%%����&����,(�)*�.�',��-+,(&�*+��*(&��0)�*"�'�"' ��'1�-'��"*��"+��.�',� �+�

ここ

Corporate Governance > Compliance > Group Governance : Basic Policy for Management of Conflicts of Interest

71

����������(())����((������((&&))��''""��++����--��##����,,��,,((������''�� ��&&��'',,��((������((''��%%""��,,++��((������'',,��**��++,,

�!���(&)�'"�+�+-�#��,�,(�&�'� �&�',�(���('�%"�,+�(��"',�*�+,��,�,!���(&)�'1�+!�%%����,!���(%%(/"' ��"'�'�"�%

"'+,",-,"('+�(��,!����� ���'+-*�'����*(-)�

�"���(&�+,"���*(-)�"'+-*�'����(&)�'"�+�

�""���-�+"�"�*1��"'�'�"�%�"'+,",-,"('+�(��,!���(&)�'1���,��

�!"+�+!�%%�*���*�,(��*(-)��(&)�'"�+�(��,!����� ���'+-*�'����*(-)�,!�,��' � ��"'�"'+-*�'���(*�(,!�*��"'�'�"�%��-+"'�++

(,!�*�,!�'�,!���(&�+,"���*(-)�"'+-*�'����(&)�'"�+�

ここ

Corporate Governance > Compliance > Group Governance : Basic Policy for Management of Conflicts of Interest

72

��++""������""��//����&&������''$$""��11

�!��������&+-*�&����*'-(�/"$$�'�+�*.��,!��$�/+��&��*� -$�,"'&+��+-�!��+�,!���,�'&��*',��,"'&�'����*+'&�$��&�'*%�,"'&�

�&��/"$$��'&,"&-'-+$1�"%($�%�&,�%��+-*�+�,'�+,*�& ,!�&�"&�'*%�,"'&�%�&� �%�&,���!�+��%��+-*�+�"&�$-���+�,,"& �"&,�*&�$

*-$�+��-( *��"& �+1+,�%�+��-*",1���'&�-�,"& �,!'*'- !�"&�'*%�,"'&�%�&� �%�&,�,*�"&"& ��'*�+,�����&��� �&,+���&��,�#"& �+,�(+

,'�%"," �,��,!��*"+#�'��"&�'*%�,"'&�$��#� ��

�&�$" !,�'��,!��"%('*,�&���'��(*',��,"'&��'*�(�*+'&�$�"&�'*%�,"'&���&��"&�,!��"&,�*�+,�'���'%($"�&���/",!�*�$�,���$�/+��&�

*� -$�,"'&+��+�/�$$��+�(*'(�*�!�&�$"& �'���-+,'%�*�"&�'*%�,"'&��/��!�.���'*%-$�,����������&+-*�&����*'-(��+"���'$"�1��'*

��&� �%�&,�'���-+,'%�*��&�'*%�,"'&���&���������&+-*�&����*'-(��+"���'$"�1��'*��!�*����+��'���-+,'%�*��&�'*%�,"'&��

������&+-*�&����*'-(��+"���'$"�1��'*���&� �%�&,�'���-+,'%�*��&�'*%�,"'&

������&+-*�&����*'-(��+"���'$"�1��'*��!�*����+��'���-+,'%�*��&�'*%�,"'&

��,,**--��,,--**����''������&&��''**%%��,,""''&&������&&�� ��%%��&&,,

�&����'*��&���/",!�,!����'.���+"���'$"�"�+��,!���'%�+,"��"&+-*�&����'%(�&"�+�"&�,!���*'-(���,�*%"&�� -"��$"&�+��&��"&,�*&�$

*-$�+�*�$�,���,'�"&�'*%�,"'&�%�&� �%�&,���&��"&+,�,��+��-*",1�"&","�,".�+���!�1��$+'�($�&��&��'(�*�,��(*' *�%+��'*�,!�

��-��,"'&�'���%($'1��+��&��� �&,+���&��(�*�'*%�*�$�,����!��#+��&��%'&",'*"& ���&����","'&��,!�1�%�#���**�& �%�&,+��'*

*�+('&+��"&�,!���.�&,�'��"&�"��&,+�+-�!��+�"&�'*%�,"'&�$��#+��,�#��+,�(+��'*�(*'%(,�('+,�"&�"��&,��'**��,"'&��&��*��-**�&��

(*�.�&,"'&���&��',!�*/"+��/'*#��'*��((*'(*"�,��!�&�$"& �"&�,!"+�*�+(��,�

��''&&"",,''**""&& ����,,"".."",,""��++

�!��!'$�"& ��'%(�&1�%'&",'*+�,!��+,�,-+��+�*� �*�+��**�& �%�&,+��'*�"&�'*%�,"'&�%�&� �%�&,��,��'%�+,"��"&+-*�&��

�'%(�&"�+�"&�,!���*'-(���&��*�('*,+�'��",+��"&�"& +�,'�%�&� �%�&,���&����","'&��",��(($"�+�,!���"&�"& +�'��",+�%'&",'*"&

��,".","�+�"&�",+����'*,+�,'�*�"&�'*����**�& �%�&,+��'*�"&�'*%�,"'&�%�&� �%�&,�"&�,!���&,"*���*'-(��,!*'- !�+,�(+�+-�!��+

+!�*"& �'��#&'/�!'/�/",!��&��(*'."+"'&�'��*�)-"+",��+-(('*,�,'��'%�+,"��"&+-*�&����'%(�&"�+�"&�,!���*'-(�

������������&&++--**��&&��������**''--((����''$$��""&& ++������&&������������$$��**��,,""''&&��''��������**++''&&��$$����&&��''**%%��,,""''&&����**'',,����,,""''&&������**""..����11����''$$""��11��

�!��!'$�"& ��'%(�&1��&��,!���'%�+,"��"&+-*�&����'%(�&"�+�"&�,!���*'-(�!�.���'*%-$�,���(*".��1�('$"�1��'*�.�*"'-+�",�%+

*�$�,���,'�,!��!�&�$"& �'���-+,'%�*�"&�'*%�,"'&��"&�$-�"& ������$�*�,"'&�'���'%%",%�&,�,'��'%($"�&���/",!�*�$�,���$�/+��&�

*� -$�,"'&+���((*'(*"�,����)-"+","'&���&��$"%",�,"'&�'��,!��(-*('+�+�'��-+����!�1�!�.���"+�$'+���,!�+�����$�*�,"'&+�'&�,!�"*

*�+(��,".��/��+",�+�

���$�*�,"'&�'����*+'&�$��&�'*%�,"'&��*',��,"'&���*".��1��'$"�1��'�����!��'%(�&1

������&+-*�&����*'-(��'$�"& +���&��

�",+-"��-%",'%'��&+-*�&����'����,��

"'"��"++�1��'/���&+-*�&����'����,��

�",+-"��"*��,���&�*�$��&+-*�&����'����,��

�",+-"��-%",'%'�"'"��"����&+-*�&����'����,��

�",+-"��-%",'%'��*"%�*1��"����&+-*�&����'����,��

ここ

Corporate Governance > Compliance > Information Management

73

�0�$'',6,10�61�&1/2.;,0*�9,6+�.$95�$0'�14',0$0&(5�57&+�$5�6+(��&6�10�6+(��416(&6,10�1)��(4510$.��0)14/$6,10��6+(�� ���

�0574$0&(��4172�9,..�&106,07(�61�564,8(�61�%7,.'�$�56410*(4�)4$/(914-�)14�,0)14/$6,10�/$0$*(/(06��%;�(56$%.,5+,0*�,06(40$.

4(*7.$6,105�$0'�47.(5��,/2418,0*�5;56(/�5(&74,6;��(0574,0*�,0)14/$6,10�/$0$*(/(06�64$,0,0*�,5�2418,'('�61�(/2.1;((5�$0'

$*(0&,(5��$0'�4('7&,0*�6+(�4,5-�1)�,0)14/$6,10�.($-5�

�� ����������00557744$$00&&((����44117722

��$$55,,&&����11..,,&&;;��))1144����$$00$$**((//((0066��11))����77556611//((44����00))1144//$$66,,1100

�,8(0�6+(�,/2146$0&(�1)�2416(&6,0*�&7561/(4�,0)14/$6,10�$0'�61�,/2418(�6+(�27%.,&�64756�619$4'�6+(�%75,0(55

12(4$6,105�1)�6+(��4172��6+(�� �����0574$0&(��4172�5+$..�+$0'.(�&7561/(4�,0)14/$6,10�2412(4.;�$0'�,056,676(

/($574(5�6+$6�$4(�$224124,$6(�)14�,65�5(&74(�/$0$*(/(06�,0�&1/2.,$0&(�9,6+�6+(��&6�10�6+(��416(&6,10�1)��(4510$.

�0)14/$6,10��6+(���(4510$.��0)14/$6,10��416(&6,10��&6����6+(��&6�10�6+(�"5(�1)��7/%(45�61��'(06,);�$� 2(&,),&

�0',8,'7$.�,0��'/,0,564$6,8(��41&('74(5����;��7/%(4��&6���$5�9(..�$5�16+(4�.$95��*7,'(.,0(5�$0'�6+(�.,-(�

�5�75('�+(4(,0���&7561/(4��5+$..�4()(4�61��$�&7561/(4�+$8,0*�$�4(.$6,105+,2�61�6+(�$&6,8,6,(5�1)�6+(�� �����0574$0&(

�4172��9,6+�4(52(&6�61�%16+�,0',8,'7$.5�$0'�&1/2$0,(5�

���!+(�� �����0574$0&(��4172�5+$..�$&37,4(�&7561/(4�,0)14/$6,10�61�6+(�'(*4((�6+$6�,6�,5�0(&(55$4;�)14�%75,0(55�%;

/($05�6+$6�$4(�.$9)7.�$0'�)$,4��$0'�(:&(26�9(4(�2418,'('�16+(49,5(�%;�$22.,&$%.(�.$9��5+$..�2418,'(�016,&(�$0'�27%.,&

4(.($5(5�4(*$4',0*�6+(�274215(�)14�9+,&+�2(4510$.�,0)14/$6,10�,5�61�%(�75('�$0'�5+$..�75(�6+(�5$/(�10.;�9,6+,0�6+(

5&12(�1)�57&+�274215(�

���:&(26�9(4(�2418,'('�16+(49,5(�%;�$22.,&$%.(�.$9��6+(�� �����0574$0&(��4172�5+$..�016�2418,'(�$0;�2(4510$.�'$6$

2(46$,0,0*�61�&7561/(45�61�6+,4'�2$46,(5�9,6+176�24,14�&105(06�)41/�6+(�&10&(40('�2(45105�

��!+(�� ������0574$0&(��4172�/$;�5+$4(�6+(�75(�1)�2(4510$.�'$6$�2(46$,0,0*�61�&7561/(45�9,6+,0�6+(��4172�)14

6+(�274215(�1)�2418,',0*�%(66(4�241'7&65�$0'�5(48,&(5�61�&7561/(45�$0'�&10'7&6,0*�/$0$*(/(06�1)��4172

&1/2$0,(5�� ((�+(4(��,0-�61�6+(�21.,&;�2(46$,0,0*�61�5+$4('�75(�1)�,0)14/$6,10��

���!+(�� �����0574$0&(��4172�5+$..�564,8(�61�24(8(06�.($-5��.155�14�'(*4$'$6,10�1)�&7561/(4�,0)14/$6,10��5+$..

24(2$4(�47.(5�)14�,65�+$0'.,0*�$0'�$�5;56(/�61�2418,'(�)14�,65�5$)(�/$0$*(/(06��$0'�5+$..�,/2.(/(06�$'(37$6(

5(&74,6;�/($574(5���(&(55$4;�$0'�$224124,$6(�572(48,5,10�5+$..�%(�&10'7&6('�,)�6+(�+$0'.,0*�1)�&7561/(4

,0)14/$6,10�,5�'(.(*$6('�61�1765,'(�2$46,(5�

���!+(�� �����0574$0&(��4172�5+$..�%(�6+1417*+�,0�2418,',0*�('7&$6,10�$0'�*7,'$0&(�61�6+15(�9+1�$4(�(0*$*('�,0

%75,0(55�12(4$6,105��(6&��51�6+$6�&7561/(4�,0)14/$6,10�,5�+$0'.('�2412(4.;��!+(�241&('74(5�)14�+$0'.,0*�$0'

/$0$*,0*�&7561/(4�,0)14/$6,10�$6�6+(��4172�5+$..�%(�4(8,(9('�$0'�,/2418('�10�$0�10*1,0*�%$5,5�61�(0574(�6+(;

$4(�$224124,$6(�

��!+(�� �����0574$0&(��4172�5+$..�4(5210'�2412(4.;�$0'�,0�$�6,/(.;�/$00(4�61�$0;�&1/2.$,065�14�,037,4,(5

2(46$,0,0*�61�6+(�+$0'.,0*�1)�&7561/(4�,0)14/$6,10���(52105(5�61�4(37(565�)14�6+(�4(.($5(�14�&144(&6,10�1)�2(4510$.

'$6$�%(,0*�+(.'�%;�6+(��4172�)41/�&10&(40('�2(45105�5+$..�%(�$''4(55('�241/26.;�%$5('�10�$22.,&$%.(�.$9�

���!+(�� �����0574$0&(��4172�5+$..�64($6�,0',8,'7$.�07/%(45�$0'�52(&,),&�2(4510$.�,0)14/$6,10�$5�2418,'('�,0�6+(��;

�7/%(4��&6�,0�6+(�)1..19,0*�/$00(4�

����#(�9,..�0(,6+(4�$&37,4(�014�75(�,0',8,'7$.�07/%(45�14�52(&,),&�2(4510$.�,0)14/$6,10�)14�274215(5�16+(4�6+$0�6+15(

ここ

Corporate Governance > Compliance > Information Management > Basic Policy for Management of Customer Information

74

4(564,&6,8(.;�52(&,),('�,0�6+(��;��7/%(4��&6�

����169,6+56$0',0*�&.$75(��$%18(��9(�9,..�016�2418,'(�,0',8,'7$.�07/%(45�14�52(&,),&�2(4510$.�,0)14/$6,10

2(46$,0,0*�61�$0;�&7561/(4�61�$0;�6+,4'�2$46;��(8(0�9,6+�24,14�&105(06�)41/�6+(�2(4510�&10&(40('��)14�$0;

274215(�16+(4�6+$0�6+15(�4(564,&6,8(.;�52(&,),('�,0�6+(��;��7/%(4��&6�

����169,6+56$0',0*�&.$75(��$%18(��9(�9,..�016�5+$4(�6+(�75(�1)�,0',8,'7$.�07/%(45�14�52(&,),&�2(4510$.�,0)14/$6,10

2(46$,0,0*�61�$0;�&7561/(4�9,6+,0�6+(��4172��$0'

����#(�9,..�$'+(4(�61�6+(��;��7/%(4��&6��6+(��7,'(.,0(5�)14��412(4��$0'.,0*�1)� 2(&,),&��(4510$.��0)14/$6,10�)14

�,0$0&,$.��056,676,105��(6&��$0'�9,..�(0'($814�61�/$0$*(�52(&,),&�2(4510$.�,0)14/$6,10�,0�$�5(&74(�/$00(4�

ここ

Corporate Governance > Compliance > Information Management > Basic Policy for Management of Customer Information

75

�# ���� ��).0-�)� ��-*0+�#�.�. /�!*-/#�/# �!*''*2$)"�+-*1$.$*).�*)�.#�-$)"��0./*( -�$)!*-(�/$*)�2$/#�$)�/# ��-*0+�

������ ����))..00--��))�� ����--**00++

����..$$������**''$$��44��!!**--����##��-- ������.. ��**!!����00..//**(( --����))!!**--((��//$$**))

�)�*-� -�/*�+-*1$� ��0./*( -.�2$/#�/# �#$"# ./�,0�'$/4�-$.&�.*'0/$*)�. -1$� .�� )/ - ��*)���/$1$/4�/*���#$ 1

��0./*( -���/$.!��/$*)���/*�/# � 3/ )/�/#�/�$/�$.�) � ..�-4��/# ���� ��).0-�)� ��-*0+�(�4�.#�- �/# �0. �*!

+ -.*)�'���/��*!��0./*( -.�2$/#$)�/# ��-*0+�2$/#$)�/# �.�*+ �./�/ ��� '*2���# )��*$)"�.*��/# �#�)�'$)"�*!�.0�#���/�

.#�''�� ��*)�0�/ ���++-*+-$�/ '4�$)��*(+'$�)� �2$/#�/# ��/�*)�/# ��-*/ �/$*)�*!�� -.*)�'��)!*-(�/$*)��/# ��� -.*)�'

�)!*-(�/$*)��-*/ �/$*)��/����.�2 ''��.�*/# -��++'$���' �'�2.��"0$� '$) .��)��/# �'$& �

����)�*-� -�!*-�/# ���� ��).0-�)� ��-*0+��*'�$)".���)����/# ���*'�$)"��*(+�)4���/*��*)�0�/�(�)�" ( )/�*!�/#

�-*0+��*(+�)$ .��/# �0. �*!�+ -.*)�'���/��(�4�� �.#�- ���/�/# ���� ��).0-�)� ��-*0+��(*)"�/# ��*'�$)"

�*(+�)4��)���-*0+��*(+�)$ .�.0�% �/�/*�/# �!*''*2$)"��*)�$/$*).�

�����4+ .�*!�� -.*)�'� �/�

�$���#�- #*'� -�$)!*-(�/$*)��)�( .�����- .. .��)0(� -�*!�.#�- .�# '��� /����

�$$���0./*( -�$)!*-(�/$*)�(�$)/�$) ���4�/# ��*'�$)"��*(+�)4��)���-*0+��*(+�)$ .��)�( .�����- .. .�

/ ' +#*) �)0(� -.�� (�$'����- .. .��" )� -����/ .�*!��$-/#��*/# -�+*'$�4�$)!*-(�/$*)�./�/ ��$)��++'$��/$*).

�)��*/# -��*�0( )/�/$*)��$)!*-(�/$*)�+ -/�$)$)"�/*�$).0-�)� ��'�$(.���)��*/# -�$)!*-(�/$*)�+ -/�$)$)"�/*

/-�).��/$*).�2$/#��0./*( -.��

�����-/$ .�2$/#��#$�#��)!*-(�/$*)�$.��#�- ���)����-/4�� .+*).$�' �!*-���)�" ( )/

�# ��-*0+��*(+�)$ .�2$/#�2#$�#�/# �0. �*!�$)!*-(�/$*)�$.�.#�- ���*).$./�*!��*( ./$���)��!*- $")�$).0-�)�

�*(+�)$ .��- $).0-�)� ��*(+�)$ .��)���!!$'$�/ .�*!�/# ���� ��).0-�)� ��-*0+��- ! -�/*�/# ��$./����# �+�-/4

- .+*).$�' �!*-�.0+ -1$.$*)��)��(�)�" ( )/�*!�.#�- ��0. �.#�''�� �/# ��*'�$)"��*(+�)4�

���)�*-� -�/*�+-*1$� �$)!*-(�/$*)��)��/# �'$& �*)�+-*�0�/.��)��. -1$� .�#�)�' ���4�/# ��-*0+��*(+�)$ .��/# �0. �*!

+ -.*)�'���/��(�4�� �.#�- ���/�/# ���� ��).0-�)� ��-*0+��(*)"�/# ��-*0+��*(+�)$ .�.0�% �/�/*�/# �!*''*2$)"

�*)�$/$*).�

�����4+ .�*!�� -.*)�'� �/�

��( .�����- .. .��/ ' +#*) �)0(� -.�� (�$'����- .. .��" )� -����/ .�*!��$-/#��*/# -�+*'$�4�$)!*-(�/$*)�./�/ �

$)��++'$��/$*).��)��*/# -��*�0( )/�/$*)��$)!*-(�/$*)�+ -/�$)$)"�/*�$).0-�)� ��'�$(.���)��*/# -�$)!*-(�/$*)

+ -/�$)$)"�/*�/-�).��/$*).�2$/#��0./*( -.�

�����-/$ .�2$/#��#$�#��)!*-(�/$*)��.��#�- ���)����-/4�� .+*).$�' �!*-���)�" ( )/

� ! -�/*�/# ��$./�*!�/# ��-*0+��*(+�)$ .�2$/#�2#$�#�/# �0. �*!�$)!*-(�/$*)�$.�.#�- ����# �+�-/4�- .+*).$�'

!*-�.0+ -1$.$*)��)��(�)�" ( )/�*!�.#�- ��0. �.#�''�� �/# ��*'�$)"��*(+�)4�

ここ

Corporate Governance > Compliance > Information Management > Basic Policy for Shared Use of Customer Information

76

��''99//))��!!++889966++)):://<<++��''44**��!!5522//))??

$.+��#�����49;8'4)+��85;6�9:/6;2':+9�/4�:.+���#�����49;8'4)+��85;6��5362/'4)+��'9/)�!52/)?��:.':�'22

+>+);:/<+9+3625?++9�5,�:.+��#�����49;8'4)+��85;6�9.5;2*�'2='?9�(+�)549)/5;9�5,�)58658':+�95)/'2�8+96549/(/2/:/+9�'4*

)5362?�=/:.�'22�2'=9�'4*�8+-;2':/549�8+2+<'4:�:5�(;9/4+99�'):/</:/+9�'4*�68'):/)+�,'/8�'4*�<'2/*�)54*;):9�/4�-55*�,'/:.�:5

2/<+�;6�:5�:.+�+>6+):':/549�'4*�8+7;/8+3+4:9�5,�:.+�95)/+:?

�#�����49;8'4)+��85;6��5362/'4)+��'9/)�!52/)?

&+�8+)5-4/@+�5;8�8+96549/(/2/:?�,58�:.+�'):;'2�'4*�65:+4:/'2�'*<+89+�/36'):�5;8�(;9/4+99�'):/</:/+9�.'<+�54�.;3'4�8/-.:9�

/4)2;*/4-�:.+�/36'):�5,�<'2;+�).'/4� ;8�'):/549�'4*�*/'25-;+�=/22�9.5=�8+96+):�,58�.;3'4�8/-.:9�$./9��'9/)�!52/)?

9:/6;2':+*�/4��+(8;'8?� ����.'9�(++4�'*56:+*�:5�68+6'8+�,58�:./9

�#�����49;8'4)+��85;6��'9/)�!52/)?�54��;3'4�"/-.:9

�;8:.+8358+��8+'2/@/4-�:.+�'):;'2�(;9/4+99�4++*9�5,�)54:8'):/4-�5;:�<'8/5;9�05(9�'4*�9+8</)+9�:5�5;:9/*+�95;8)+9��:.+

�85;6�.'9�/49:/:;:+*���#�����49;8'4)+��85;6��'9/)�!52/)?�,58��'4'-+3+4:�5,� ;:9/*+�%+4*589��$'1/4-�:.+�'(5<+

652/)?�/4:5�'))5;4:��:.+��85;6�)536'4/+9�'8+�)54*;):/4-�6856+8�3'4'-+3+4:�;654�58-'4/@/4-�'�9+:;6�,58�3'4'-/4-

5;:9/*+�<+4*589

��##����������4499;;88''44))++����8855;;66����''99//))��!!5522//))??��,,5588����''44''--++33++44::��55,,�� ;;::99//**++��%%++44**558899

&.+4�+4-'-/4-�:.+�9+8</)+9�5,�5;:9/*+�<+4*589�,58�(;9/4+99�6;8659+9��:.+��#�����49;8'4)+��85;6�9.'22�68+6'8+

685)+*;8+9�,58�:.+�6856+8�3'4'-+3+4:�5,�5;:9/*+�<+4*589�('9+*�54�:.+�,5225=/4-�3'4'-+3+4:�652/)?

�� ;:9/*+��54:8'):/4-�#;(0+):�:5�$./9�!52/)?

&.+4�:.+��#�����49;8'4)+��85;6�*+2+-':+9�'22�58�6'8:�5,�:.+�'*3/4/9:8':/<+�=581�4+)+99'8?�,58�/:�:5�)54*;):

(;9/4+99�:5�'4�5;:9/*+�<+4*58��:.+8+�3;9:�(+�'4�'99;8'4)+�:.':�9;).�/9�'668568/':+�/4�)540;4):/54�=/:.�:.+�+>+);:/54

5,�(;9/4+99�(+'8/4-�/4�3/4*�:.+�4++*�:5�'99;8+�:.':�);9:53+89�'8+�685:+):+*�'4*�3'4'-+3+4:�/9�)54*;):+*�95;4*2?

�9�;9+*�.+8+/4���);9:53+8��9.'22�8+,+8�:5��'�);9:53+8�.'</4-�'�8+2':/549./6�:5�:.+�'):/</:/+9�5,�:.+��#�����49;8'4)+

�85;6��=/:.�8+96+):�:5�(5:.�/4*/</*;'29�'4*�)536'4/+9

�#?9:+3�,58��'4'-+3+4:�5,� ;:9/*+�%+4*589

�#�����52*/4-9�'4*�:.+�*53+9:/)��85;6�/49;8'4)+�)536'4/+9�9.'22�)8+':+�:.+�,5225=/4-�9?9:+3�,58�3'4'-/4-�5;:9/*+

<+4*589�'4*�6856+82?�/362+3+4:�:.+�9'3+�

�����9:'(2/9.�'�9;6+8</958�'4*�(;9/4+99�;4/:�8+96549/(2+�,58�3'4'-/4-�5;:9/*+�<+4*589

� ���9:'(2/9.�'4*�*/99+3/4':+�8;2+9�6+8:'/4/4-�:5�:.+�3'4'-+3+4:�5,�5;:9/*+�<+4*589

�����54*;):�/496+):/549�'4*�9;6+8</9/54�5<+8�5;:9/*+�<+4*589

�����54*;):�'668568/':+�3'4'-+3+4:�5,�9;()54:8'):589

�����9:'(2/9.�685)+*;8+9�,58�8+9654*/4-�:5�/47;/8/+9��)5362'/4:9�'4*�5:.+8�)533;4/)':/549�,853�);9:53+89�6+8:'/4/4-

:5�5;:9/*+�<+4*589

�����8+':+�5:.+8�685)+*;8+9�4+)+99'8?�,58�3'4'-/4-�5;:9/*+�<+4*589�'4*�8+</9+�:.+�9'3+�'9�'668568/':+

:.+8��85;6�)536'4/+9�9.'22�'295�)8+':+�9?9:+3�,58�3'4'-/4-�5;:9/*+�<+4*589�'4*�6856+82?�/362+3+4:�:.+�9'3+

)549/9:+4:�=/:.�:.+�'(5<+

AA

ここ

Corporate Governance > Compliance > Responsibilities in Transactions

77

��)):://<<//:://++99

��5544,,//8833'':://5544��55,,����22//--//((//22//::??��55,,�� ;;::99//**++��%%++44**558899

�#��'4*�����)54,/83�:.+�95;4*4+99�5,�/4,583':/54�3'4'-+3+4:�9?9:+39�'4*�5;:9/*+�<+4*589��'4*�:.+�'*+7;')?�5,�05(

+>+);:/54�685-8+99�(?�8+,+88/4-�:5�:.+�4+=�� ;:9/*+�%+4*58��*+7;')?��.+)1��/9:���53+9:/)��85;6�/49;8'4)+�)536'4/+9

*5�:.+�9'3+�(?�)2'8/,?/4-�:.+�9:'4*'8*9�,58�9+2+):/4-�<+4*589��)54*;):/4-�/4,583':/54�3'4'-+3+4:�54)+�'�?+'8��/4

68/4)/62+��'4*�).+)1/4-�6+8/5*/)'22?�5;:9/*+�<+4*589

""++77;;++99::99��::55����;;99//44++9999��!!''88::44++8899��,,5588����44<<//88554433++44::��""++22''::++**����554499//**++88'':://554499

�#��'4*������'9�'�)549/9:+4:�9:+6�:5='8*�*+'2/4-�=/:.��# �������+>62'/4��85;6��4</8543+4:'2��'9/)�!52/)?�54)+�'�?+'8�:5

(;9/4+99�6'8:4+89�/4�+').�)536'4?�'4*�'91�:.+3�:5�)556+8':+�/4�:.+/8�)549/*+8':/549�8+-'8*/4-�:.+�+4</8543+4:

##;;66665588::99��,,5588��$$''))1122//44--��==//::..����44<<//88554433++44::''22����9999;;++99��''::����--++44::99��''44**����;;99//44++9999��!!''88::44++8899

�#��'4*�����'8+�68535:/4-�:5�:.+/8�'-+4:9�'4*�(;9/4+99�6'8:4+89�:5�9+);8+���)5��):/54� ���)+8:/,/)':/54��'�9/362/,/+*

<+89/54�5,�+4</8543+4:'2��# ��968+'*�68'):/)/4-��)5�3'/4:+4'4)+����'4*�;:/2/@':/54�5,�8+)?)2+*�';:535(/2+�6'8:9

�+:'/2+*�/4,583':/54�5,�#;6658:�,58��+8:/,/)':/54�;4*+8��)5��):/54� �

�+:'/2+*�/4,583':/54�5,�#;6658:�,58�:.+�#68+'*�5,��)5�3'/4:+4'4)+

����#;6658:�,58�:.+�#68+'*�5,��)5�3'/4:+4'4)+

��4-/4+�)2+'49/4-��.'9�(++4�9:/6;2':+*�(?�:.+�-5<+843+4:�'9�54+�96+)/,/)�8+7;/9/:/54�/:+3�/4�:.+���8++4�!;8).'9+

�+:.5*��9/4)+��68/2�� ����#;6658:�,58�5(:'/4/4-��)5��):/54� ��)+8:/,/)':/54�2+'*9�*/8+):2?�:5�968+'*���4-/4+�)2+'49/4-�

��//::99;;//��##;;33//::553355����4499;;88''44))++��$$88''4499'')):://5544��!!5522//))??

�#��*+:+83/4+*�:.+��/:9;/�#;3/:535��49;8'4)+�$8'49'):/54�!52/)?��54��'?� ��� �����:5�2'?�*5=4�3/4/3;3�8+7;/9/:+�('9/)

8;2+9�,58�:8'49'):/549�/4�'8+'9�9;).�'9�5;:95;8)/4-�'4*�6;8).'9+�5,�9;662/+9��#��/9�9:8/</4-�,58�54�-5/4-�'*<'4)+3+4:

'4*�,;2,/223+4:�5,�95)/'2�8+96549/(/2/:/+9�=/:.�/:9�(;9/4+99�6'8:4+89

��//::99;;//��##;;33//::553355����4499;;88''44))++��$$88''4499'')):://5544��!!5522//))??

&+�9.'22�9+2+):�(;9/4+99�6'8:4+89��)54:8'):589��9;662/+89��+:)��=/:.5;:�(+/4-�(5;4*�(?�6'9:�:8'49'):/54�8+)58*9�'4*

=/:.�)5368+.+49/<+�)549/*+8':/54�5,�,'):589�/4)2;*/4-�:8'49'):/54�:+839��(;9/4+99�9:':;9��:+).4/)'2�)'6'(/2/:/+9��'4*

)54)+84�,58�:.+�+4</8543+4:

&+�9.'22�6856+82?�3'4'-+�'4*�685:+):�'22�/4,583':/54�8+)+/<+*�:.85;-.�:8'49'):/549

&+�9.'22�'91�'22�(;9/4+99�6'8:4+89��)54:8'):589��9;662/+89��+:)��:5�5(9+8<+�'22�8+2':+*�2'=9��8+-;2':/549��'4*�95)/'2

45839

&+�9.'22�'91�'22�(;9/4+99�6'8:4+89��)54:8'):589��9;662/+89��+:)��:5�)549:'4:2?�685</*+�56:/3'2�7;'2/:?��68/)+9��*+2/<+8?

:+839�'4*�9+8</)+

ここ

Corporate Governance > Compliance > Responsibilities in Transactions

78

��##--%%������((��!!��''��((..������--##������))&&##��33

����--#!(�"#!"�-.�'�(�!�'�(.�*,#),#.3�.)�,#-%�'�(�!�'�(.��(��"�0��-�.�)/.�."������ ��(-/,�(����,)/*��#-%���(�!�'�(.

��-#���)&#�3���1"#�"�/(��,*#(-��)'')(�,#-%�'�(�!�'�(.��2�,�#-���.",)/!")/.�."���,)/*

�"��*)&#�3�-.#*/&�.�-�."����-#��*,)��--�-��(��."���,)/*�1#��� ,�'�1),%� ),�,#-%�'�(�!�'�(.���(���� #(�-�."����.�!),#�-�)

,#-%-�1"#�"�."���,)/*�-")/&��#��(.# 3��(���**,)��"�-�.)�'�(�!#(!�."�'

�"���)'�-.#���,)/*�#(-/,�(����)'*�(#�-� )&&)1�."#-���-#��*)&#�3�.)�-�.�)/.�."�#,�)1(�#(�#0#�/�&&3�.�#&),���,#-%�'�(�!�'�(.

*)&#�#�-��(�����*,)��.#0��#(�'�(�!#(!�."�#,�)1(�,#-%-

��##--%%������((��!!��''��((..����..,,//��..//,,��

�"���)'*�(3�"�-� ),'���#.-��(.�,*,#-���#-%���(�!�'�(.��������)''#..�����-�)(��) �#.-�.�-%�-*��# #���)''#..��-�/(��,�."�

�)�,��) � #,��.),-��.)��#-�/--�'�..�,-�,�&�.���.)������(��."���#-%��(���)'*&#�(����)''#..�����()."�,�.�-%�-*��# #�

�)''#..���."�.�#-�#(��"�,!��) �')(#.),#(!��-�1�&&��-��#-�/--#(!��(��'�%#(!�(���--�,3���$/-.'�(.-�,�&�.���.)������(��,#-%

'�(�!�'�(.��(��,��)'*�(3�*,)���/,�-��#'*),.�(.�'�..�,-��,��,�*),.���.)�."���,)/*���(�!�'�(.��)''#..����(��."�

�)�,��) � #,��.),-�� .�,��#-�/--#)(�#(�."�������)''#..����(��."���#-%��(���)'*&#�(����)''#..��

�"���)'�-.#���,)/*�#(-/,�(����)'*�(#�-�#'*&�'�(.�,#-%�'�(�!�'�(.�#(����"��)'*�(3��(��#.-��)'�-.#���(��)0�,-��-

-/�-#�#�,#�-��"���),*),�.���#-%���(�!�'�(.� �*�,.'�(.�')(#.),-�,#-%-�) �."���,)/*��-���1")&���(��."��-.�./-�) �,#-%

'�(�!�'�(.�#(����"�) �."���,)/*��)'*�(#�-��"#-���*�,.'�(.�#'*&�'�(.-�#(.�!,�.���,#-%�'�(�!�'�(.� ),�."���,)/*��-��

1")&���(��,�*),.-�#.-�,�-/&.-�.)�."���#-%��(���)'*&#�(����)''#..��

��((--//,,��((��������//--##((��----����##--%%--

ここ

Corporate Governance > Risk Management

79

�"�,���,����0�,#�.3�) �,#-%-�#("�,�(.�#(�."��#(-/,�(����/-#(�--��#0�(�."�.�."��#(-/,�(����/-#(�--�"#(!�-�)(�#(-/,�(����&�#'

*�3'�(.-��(��*�3'�(.�) �#(-/,�(���*,)����-��(����(� #.-��#(-/,�(���/(��,1,#.#(!�,#-%-��(���--�.�'�(�!�'�(.�,#-%-�(����.)

���'�(�!���#(��)(-#��,�.#)(�) �."��,�&�.#)(-"#*�.)�-"�,�")&��,-���+/#.3��(��."��(����.)�'�#(.�#(�����&�(���1#."���,(#(!-�

,�."�,�."�(�-#'*&3���#(!�,�*,�--����),�)0�,��1��(����.)�'�(�!��&#+/#�#.3�,#-%-�1#."�,�-*��.�.)�#.-����,#(!�)(� /(�#(!

,�+/#,�'�(.-�()1��(��#(�."�� /./,���*�,�.#)(�&�,#-%-�-.�''#(!� ,)'�#--/�-�-/�"��-��&�,#��&��,,),-��(��-3-.�'� �#&/,�-��)(�."�

)."�,�"�(���(����.)����'#(#'#4����3��(-/,#(!��**,)*,#�.��)*�,�.#)(-�-)��-�.)�*,�0�(.�&)--�-�1"�,�0�,�*)--#�&�

�"����� ��(-/,�(����,)/*�-.,#0�-�.)�'�(�!�����"�) �."�-��,#-%-�1#."�*,��#-#)(�.)�,��&#4��."���,)/*�-�'�(�!�'�(.�0#-#)(

�(-/,�(����(��,1,#.#(!��#-%-

�(-/,�(���/(��,1,#.#(!�,#-%-��,��,#-%-� ),�/(��,1,#.#(!�&)--�-��/��.)� ,�+/�(�3�),

&�0�&-�) ���'�!��."�.�-#!(# #��(.&3�-/,*�--�."��*,)$��.#)(�)(�1"#�"�."��#(-/,�(��

*,�'#/'-��,����&�/&�.��

--�.���(�!�'�(.��#-%-

--�.�'�(�!�'�(.�,#-%-��,��,#-%-�)1#(!�.)� &/�./�.#)(�) �#(.�,�-.�,�.�-��-.)�%�*,#��-�

�2�"�(!��,�.�-��,��&��-.�.��*,#��-���(��,�(.-���.���),�."�� #(�(�#�&��)(�#.#)(�)

#(0�-.����(.#.#�-�."�.���/-����,��/�.#)(�#(�0�&/��),�#(�)'���#(�&/�#(!�) ���&�(��

�--�.-��"�3��&-)�#(�&/���,#-%-�."�.�1����(().�")&���--�.-�#(��&#!('�(.�1#."�."�

�"�,��.�,#-.#�-�) �&#��#&#.#�-��-/�"��-��&�#'�*�3'�(.-

�#+/#�#.3��#-%-

�#+/#�#.3�,#-%-��,��,#-%-�."�.���-"�-"),.�!�-���/-����3�&�,!����-")/.-��-/�"��-

�&�#'-�*�3'�(.-��/��.)�'�$),�(�./,�&��#-�-.�,-�� ),���/-�.)�-��/,�� #(�(�#(!��3

-�&&#(!��--�.-��.�-#!(# #��(.&3�/( �#,�*,#��-����-"�'�(�!�'�(.�,#-%��),�,#-%-�."�.

'�,%�.��#-./,��(��-�*,�0�(.�'�,%�.�.,�(-��.#)(-�),� ),���/( �#,�.,���-��'�,%�.

&#+/#�#.3�,#-%�

�*�,�.#)(�&��#-%-

�*�,�.#)(�&�,#-%-��,��,#-%-�."�.���/-��&)--�-��/��.)� �#&/,��) �."��)*�,�.#)(�&�*,)��--

),��/-#(�--�-3-.�'��'#-�)(�/�.�) ��2��/.#0�-�),��'*&)3��-��),��2.�,(�&�#(�#��(.-�

-/�"��-����#��(.-�),��#-�-.�,-

��##--%%������((��!!��''��((..��##((����((..��,,((��..##))((��&&����//--##((��----

�)�-.,�(!."�(�,#-%�'�(�!�'�(.�-3-.�'-�#(�."��)0�,-��-�-/�-#�#�,#�-�) ��)'�-.#���,)/*�#(-/,�(����)'*�(#�-��1��"�0�

�-.��&#-"���."���(.�,(�.#)(�&��/*�,0#-),3� �*�,.'�(.��-�."��),!�(#4�.#)(�&�/(#.�,�-*)(-#�&�� ),�#(.�!,�.#(!�,#-%�'�(�!�'�(.

'�..�,-�#(�)/,�#(.�,(�.#)(�&��/-#(�--���.#0#.#�-��"#-���*�,.'�(.�')(#.),-�."��)0�,�&&�-.�./-�) �,#-%�'�(�!�'�(.�#(�."���,)/*�-

#(.�,(�.#)(�&��/-#(�--�)*�,�.#)(-��(��#-��(!�!���#(�/*!,��#(!��(���2*�(�#(!�,#-%�'�(�!�'�(.�-3-.�'-�#(�."���,)/*�-

#(.�,(�.#)(�&��/-#(�--��"��-.�./-�) �,#-%�'�(�!�'�(.�#(�)/,�#(.�,(�.#)(�&��/-#(�--�)*�,�.#)(-�#-�,�*),.���.)�."���),*),�.�

�#-%���(�!�'�(.� �*�,.'�(.��1"#�"��)(�/�.-�#(.�!,�.���,#-%�'�(�!�'�(.� ),�."���,)/*��-���1")&�� .�,��#-�/--#)(��3�."�

�#-%��(���)'*&#�(����)''#..����,�&�.���'�..�,-��,��,�*),.���.)�."���)�,��) � #,��.),-

��,,##--##--������((��!!��''��((..����33--..��''������((��&&//��##((!!����//--##((��----����))((..##((//##..33������((��!!��''��((..����33--..��''��

�"���,)/*�"�-�-.,/�./,���#.-��,#-#-���(�!�'�(.��3-.�'�.)�'�(�!��,#-%-��**,)*,#�.�&3�.",)/!"��))*�,�.#)(��')(!��,)/*

'�'��,-�.)�*,�0�(.�),�,�-*)(��.)��,#-�-����-���)(�#.-����� ��(-/,�(����,)/*��#-%���(�!�'�(.���-#���)&#�3�

�)�*,�*�,�� ),�,#-%-�."�.�"�0���'�,!����-�1�&&��-� ),�."��*).�(.#�&�) �."�-��,#-%-�.)�-*,����1#."#(�."���,)/*��."���)'�-.#�

�,)/*�#(-/,�(����)'*�(#�-�"�0�� ),'/&�.������,#-#-�'�(�!�'�(.�'�(/�&��(���/-#(�--��)(.#(/#.3�*&�(-��"���,)/*��(-/,�-

."�#,�� ��.#0�(�--��3��2�,�#-���(��.�-.#(!�)(���,�!/&�,���-#-���(��."���/-#(�--��)(.#(/#.3���(�!�'�(.��3-.�'�#-�,�0#�1��

�)(.#(/)/-&3

�),�)0�,��."���)'*�(3��&-)��0�&/�.�-�."���/-#(�--��)(.#(/#.3���(�!�'�(.��3-.�'��(��."���/-#(�--��)(.#(/#.3�*&�(-�) �."�

�)'�-.#���,)/*�#(-/,�(����)'*�(#�-��0�,3�3��,�.)��)( #,'�."�#,� ��-#�#&#.3

�"���,)/*�-��,#-#-���(�!�'�(.

�3-.�'

�,)/*�'�'��,-�"�0����,,#���)/.�.#'�&3��(��-/#.��&��'��-/,�-��.�."��.#'��) ��,#-#-

�3�-.,/�./,#(!��,#-#-���(�!�'�(.��3-.�'��(�� ),'/&�.#(!����,#-#-�'�(�!�'�(.

'�(/�&��"���)'*�(3�,�+/#,�-��,)/*�'�'��,-�.)�,�*),.���)/.��,)/*��,#-#-

-#./�.#)(-�-/�"��-�."����-��) ���)()'#��&)--�1"#�"�'�3�"�0��."��-�,#)/-�#( &/�(��

.)�."���,)/*��(��(���-�.#'�&3��#-�&)-/,���"���)'*�(3�-"�&&��,� .�*)&#�#�-� ),

ここ

Corporate Governance > Risk Management

80

-�..&�'�(.�) ��(�#��(.# #����,)/*��,#-#-���-���)(��#-�/--#)(-��')(!��,)/*�'�'��,-

�3��,��.#)(�) ����,)/*��,#-#-�'��-/,�-��#0#-#)(

�"���)'�-.#���,)/*��(-/,�(��

�)'*�(#�-���/-#(�--��)(.#(/#.3

��(�!�'�(.��3-.�'��(���/-#(�--

�)(.#(/#.3�*&�(-

�"���)'�-.#���,)/*�#(-/,�(����)'*�(#�-�"�0��-.,/�./,���."���/-#(�--��)(.#(/#.3

��(�!�'�(.��3-.�'��#(-.#./.#(!�."��*)&#�#�-����0�&)*'�(.�) �,/&�-� ),�'�(�!�'�(.�

�-.��&#-"'�(.�) �'�(�!�'�(.�-.,/�./,�����(��"�0�� ),'/&�.���."���/-#(�--

�)(.#(/#.3�*&�(-� ),�."����*#.�&��#.3�-.,)(!�&)��&���,."+/�%���(��-/*�,� &/��"�

�)'*�(3�,�0#�1-�."��-3-.�'�.",)/!"�."��� ���3�&���)(.#(/)/-&3��."���,)/*��,#-#-

'�(�!�'�(.�'��.#(!-��(��"�0#(!�-"�,����2�,�#-���(��.�-.#(!�)(���,�!/&�,���-#-�#(

���"�'�(�!�'�(.�-3-.�'�) �'�'��,��)'*�(#�-��"���)'*�(3��&-)��0�&/�.�-�."�

�/-#(�--��)(.#(/#.3���(�!�'�(.��3-.�'��(��."���/-#(�--��)(.#(/#.3�*&�(-�) �."�

�)'�-.#���,)/*�#(-/,�(����)'*�(#�-�)(�����3��,�#(��)&&��),�.#)(�1#."��(.�,�#-%

��-��,�"��(-.#./.�����)(-/&.#(!��"���)'*�(3��)( #,'-�."�� ��-#�#&#.3��(�

/(��,.�%�-�."��(���--�,3�,�0#-#)(�.",)/!"�."���0�&/�.#)(

�,)/*��,#-#-�'�(�!�'�(.�'��.#(!

�"���)'*�(3�"�-�"�&�����,)/*��,#-#-�'�(�!�'�(.�'��.#(!�)(���#(�."��+/�,.�,�)(

."��."�'��) �."���,#-#-���(�!�'�(.��3-.�'��(��."���/-#(�--��)(.#(/#.3�*&�(-� ),

."���,#-#-�'�(�!�'�(.� �*�,.'�(.�) ��,)/*�'�'��,-

�"���)'*�(3��)( #,'-�."���)(-.�(.�,�0#�1�-#./�.#)(��3�."��� ���3�&��#(�."�

'�(�!�'�(.�),!�(#4�.#)(�) ��,)/*�'�'��,-�.",)/!"�*�,#)�#��&�'�(�!�'�(.�) �.")-�

'��.#(!-���(��1��*,)').��."���)(-)&#��.#)(�) �-3-.�'-� ),�.#'�&3��(���**,)*,#�.�

"�(�&#(!�) ��,#-#-��3�-"�,#(!�#( ),'�.#)(���.1��(��,)/*�'�'��,-

ここ

Corporate Governance > Risk Management

81

����������$(*'�$����'%*&�() &*"�)�(� $��������$(*'�$����'%*&��( ���%" �.��%'�� (�"%(*'��%���$�%'#�) %$�� )(

�-)�'$�"� $�%'#�) %$�� (�"%(*'��&%" � �(��%'�������'%*&��%#�() �� $(*'�$����%#&�$.����%'� $��)%�)���&%" � �(������

�'%*&��%#&�$.���(�)�%'%*��".�&*)�)���� (�"%(*'��'*"�(� $�&'��) ����(�(�)��%')���.�)���� $�$� �"��$()'*#�$)(� -���$��

�$�� (�� (�"%( $�� $�%'#�) %$�(%�)��)�'�(&��) +��()�!��%"��'(���$���+�����%''��)�*$��'()�$� $��%��)���)'*��()�)*(�, )�%*)

��"�.�

������$(*'�$����'%*&��( ���%" �.��%'�� (�"%(*'��%���$�%'#�) %$

�� ((��""%%((**''����%%������$$��%%''##��)) %%$$����$$������$$++��(())%%''������""��)) %%$$((����������

����'���%$�*�) $�� $+�()%'�'�"�) %$(��������) + ) �(�*$��'�)���&' $� &"�(�)%�, $�)'*()��'%#�(��'��%"��'(��$��%)��'

$+�()%'(���(�,�""��(�)%���+��%*'��%'&%'�)��+�"*���((�((����� '".��$��&'%&�'".�

��)� "��� $�%'#�) %$�%��� (�"%(*'��%���$�%'#�) %$��$���$+�()%'���"�) %$(�����

����&& ))��""������$$������##��$$))����%%"" �� ��((����$$����������''����%%""����''������))**''$$����%%"" ��..

����������$(*'�$����'%*&�� #(�)%��$(*'��)��)���& )�"� (�!�&)� $�" $��, )��)����#%*$)�%��' (!�,� "��()'�$�)��$ $�

(��'��%"��'�'�)*'$(�, )���� + ��$�(���$���(��'���*.���!(��

��& )�"���$���#�$)��%" � �(

���'��%"��'���)*'$��%" �.

//��������''��$$����((00

���&'%+ ���'���'�$���#�)�' �"(��%'�%*'�(��'��%"��'(� $+�()%'(�(*����(�)���� + ��$�(�)'�$��%��'���$)�.��'(��$����( �

$�%'#�) %$��,� ��� $�"*��(�)���(��*' ) �(� ��$) � ��) %$��%����$��)���$*#��'�%��������%"� $�(�(��'�(�

� + ��$���$�%'#�) %$

�( ���)%�!(��$�%'#�) %$

ここ

Corporate Governance > Information Disclosure

82

��� ��'$�"& +�!�+�+,"(-$�,���",+�('$"�1�'&��0,�*&�$��"+�$'+-*���,��'%�+,"���*'-(�"&+-*�&����'%(�&"�+�"&�,!��2���

�&+-*�&����*'-(���+"���'$"�1��'*� "+�$'+-*��'���&�'*%�,"'&�3��&����'*��&���/",!�,!"+���+"��('$"�1���$$��'%�+,"���*'-(

"&+-*�&����'%(�&"�+�+,*".��,'�,!'*'- !$1�'�+�*.���"+�$'+-*��*-$�+�+,"(-$�,���"&�$�/+��&��*� -$�,"'&+��&��,!���"+�$'+-*��*-$�+

'��+,'�#��0�!�& �+��,�,!��+�%��,"%���,!���'%�+,"���*'-(�"&+-*�&����'%(�&"�+��"+�$'+��"&�'*%�,"'&�,'��&+-*��,!�,�,!�"*

*�+(��,".��+,�#�!'$��*+���&����%�����/�*��'��"%('*,�&,�"&�'*%�,"'&�"&�����"*�����-*�,���&��,"%�$1�%�&&�*�

�'$"�1��'*��'&+,*-�,".���"�$' -��/",!�+!�*�!'$��*+

������ ����&&++--**��&&��������**''--((������++""������''$$""��11����''**�� ""++��$$''++--**����''������&&��''**%%��,,""''&&

��� ��&+-*�&����*'-(��'$�"& +���&����&��,!���'%�+,"���*'-(�"&+-*�&����'%(�&"�+��*���**"& �,'�,!���".���'%(�&"�+

'���",+-"��-%",'%'��&+-*�&����'����,����"'"��"++�1� '/���&+-*�&����'����,�����",+-"� "*��,���&�*�$��&+-*�&����'��

�,�����",+-"��-%",'%'�"'"��"����&+-*�&����'����,����&���",+-"��-%",'%'��*"%�*1��&+-*�&����'����,����+!�$$���**1�'-,

,!���"+�$'+-*��'��"&�'*%�,"'&��+��'$$'/+��'*�,!��(-*('+��'���'%%-&"��,"& �"%('*,�&,�"&�'*%�,"'&�*�$�,���,'�,!�

��� ��&+-*�&����*'-(�"&���%�&&�*�,!�,�"+����-*�,���,"%�$1��&����"*�

����������++""������,,��&&������''&&�� ""++��$$''++--**����''������&&��''**%%��,,""''&&

"+�$'+-*��'��"&�'*%�,"'&�(�*,�"&"& �,'�,!����� ��&+-*�&����*'-(�+!�$$������**"���'-,�+'�,!�,�(�*,"�+�+-�!��+

�-+,'%�*+��+!�*�!'$��*+���&��"&.�+,'*+���&����/�$$�"&�'*%���'���&��-&��*+,�&��,!��+,�,��'��,!���*'-(�

��������,,��&&����**��++����''**�� ""++��$$''++--**����''������&&��''**%%��,,""''&&

"+�$'+-*��'��"&�'*%�,"'&�+!�$$�����'&�-�,���"&���,"%�$1�%�&&�*�"&����'*��&���/",!�,!��*�$�.�&,�$�/+��&��+-�!

*� -$�,"'&+��+�2���-*","�+��"+,"& ��� -$�,"'&+3��&��2�-$�+�'&��"%�$1� "+�$'+-*��'���'*('*�,���&�'*%�,"'&��1��++-�*+

'���"+,������-*","�+3�(*�+�*"�����1��"&�&�"�$�"&+,*-%�&,+��0�!�& �+���'$$��,".�$1��2�� -$�,"'&+��'*��"%�$1� "+�$'+-*�+

'���&�'*%�,"'&3����&����","'&��"&�'*%�,"'&�,!�,�/'-$��+�*.���'*�(�*,"�+�+-�!��+��-+,'%�*+��+!�*�!'$��*+��&��"&.�+,'*+

,'�%�#�����"+"'&+�"&�*�$�,"'&�,'��'&,*��,+��"&.�+,%�&,+��&��+'�'&�+!�$$��$+'�����"+�$'+����.�&�"��",�"+�&',�"&�'*%�,"'&

*�)-"*����1��� -$�,"'&+��'*��"%�$1� "+�$'+-*�+�'���&�'*%�,"'&�

��������,,!!''��++����''**�� ""++��$$''++--**����''������&&��''**%%��,,""''&&

"+�$'+-*��'��"&�'*%�,"'&��*'%�,!����� ��&+-*�&����*'-(�+!�$$�����'&�-�,���+'��+�,'�*���!�,!���((*'(*"�,��(�*,"�+

+-�!��+��-+,'%�*+��+!�*�!'$��*+��&��"&.�+,'*+��1�/�1�'���".�*+��%��&+�+-�!��+��"+�$'+-*��*�('*,+��&�/+�*�$��+�+

�&��,!���'*('*�,��/��+",��

ここ

Corporate Governance > Information Disclosure > Basic Policy for Disclosure of Information

83

�(%��������-241!-#%��1.4/�)2�!#3)5%+8�#.-$4#3)-'�!//1./1)!3%�)-&.1,!3).-�$)2#+.241%�3.�%!1-�3(%�31423�&1.,�!�6)$%

5!1)%38�.&�23!*%(.+$%12��6()#(�)-#+4$%2�.41�#423.,%12��2(!1%(.+$%12��)-5%23.12��!-$�"42)-%22�/!13-%12��2.�3(!3�.41

#.1/.1!3%�5!+4%�)2�!22%22%$�&!)1+8�!-$�/1./%1+8�

��!!22))##����..++))##88��!!--$$��33((%%����331144##334411%%��..&&����4411����////11..!!##((

�(%��������-241!-#%��1.4/�#.,/)+%$�)32�23!-#%�1%+!3)-'�3.�)-&.1,!3).-�$)2#+.241%�)-�"!2)#�/.+)#)%2���!2%$�.-�3(%2%�"!2)#

/.+)#)%2��3(%��1.4/�),/+%,%-3%$�!##41!3%��3),%+8��!-$�&!)1�)-&.1,!3).-�$)2#+.241%�

�������-241!-#%��1.4/��!2)#��.+)#)%2�.-��.1/.1!3%��.5%1-!-#%

��!!22))##����..++))##))%%22

��������������--224411!!--##%%����11..44//����!!22))##����..++))##88��&&..11����--&&..11,,!!33))..--����))22##++..224411%%

�(%���������-241!-#%��1.4/��!2)#��.+)#8�&.1��-&.1,!3).-��)2#+.241%��)2�!-�%73%1-!+�)-&.1,!3).-�$)2#+.241%�/.+)#8

%23!"+)2(%$�&.1�$.,%23)#��1.4/�)-241!-#%�#.,/!-)%2���-�!##.1$!-#%�6)3(�3()2�/.+)#8��!++�$.,%23)#��1.4/�)-241!-#%

#.,/!-)%2�231)5%�3.�3(.1.4'(+8�#.,/+8�6)3(�3(%�$)2#+.241%�14+%2�23)/4+!3%$�"8�+!62�!-$�1%'4+!3).-2�!-$�3(%�$)2#+.241%

14+%2�.&�&)-!-#)!+�)-2314,%-32�%7#(!-'%���3�3(%�2!,%�3),%��3(%�$.,%23)#��1.4/�)-241!-#%�#.,/!-)%2�$)2#+.2%�)-&.1,!3).-

3.�%-241%�3(!3�3(%)1�1%2/%#3)5%�23!*%(.+$%12�#!-�"%�,!$%�!6!1%�.&�),/.13!-3�)-&.1,!3).-�)-�!-�!##41!3%��3),%+8��!-$�&!)1

,!--%1�

�������-241!-#%��1.4/��!2)#��.+)#8�&.1��)2#+.241%�.&��-&.1,!3).-

��..++))##88��&&..11����..--22331144##33))55%%����))!!++..''44%%��66))33((����((!!11%%((..++$$%%1122

�.6!1$2�2423!)-!"+%�'1.63(�!-$�),/1.5%,%-3�.&�3(%�,%$)4,�!-$�+.-'�3%1,�#.1/.1!3%�5!+4%��3(%��������-241!-#%��1.4/

6.1*2�3.��#.-2314#3)5%�$)!+.'4%��6)3(�2(!1%(.+$%12�!-$�6%�!1%�6.1*)-'�3.�&413(%1�5!+4%�#1%!3).-�"8�3!*)-'�!$5!-3!'%�.&�)3

3.�,!-!'%,%-3�

�.+)#8�&.1��.-2314#3)5%��)!+.'4%�6)3(��(!1%(.+$%12

��������..++))##88

�(%������.+)#8��)2�3(%�"!2)#�/.+)#8�&.1����!#3)5)3)%2�%23!"+)2(%$�"8��������.+$)-'2���.3�.-+8�$)2#+.2)-'�#.1/.1!3%

)-&.1,!3).-�1%04)1%$�4-$%1�23!343%2�.1�1%'4+!3).-2�.&�&)-!-#)!+�)-2314,%-32�%7#(!-'%2��3(%��������-241!-#%��1.4/

/1.!#3)5%+8�1%+%!2%2�)-&.1,!3).-�&.1�)-5%23,%-3�$%#)2).-2��1!-')-'�&1.,�"!2)#�/.+)#)%2�!-$�,!-!'%,%-3�/+!-2�3.�"42)-%22

231!3%')%2�.&�3(%��1.4/��3(%1%"8�),/1.5)-'�)32�04!+)38�.&�$)2#+.241%���-�!$$)3).-��"8�$)2#+.2)-'�24#(�)-&.1,!3).-��6%�231)5%�3.

/43�.43�)-&.1,!3).-�3(!3�)2�3),%+8��&!)1�!-$�%!28�3.�4-$%123!-$�

����.+)#8

99

ここ

Corporate Governance > Information Disclosure > Disclosure of Information and Investor Relations (IR)

84

��--&&..11,,!!33))..--����))22##++..224411%%����11!!,,%%66..11**

�.�%-241%�3),%+8�!-$�!$%04!3%�)-&.1,!3).-�$)2#+.241%�!-$�%5!+4!3%�3(%�%&&%#3)5%-%22�.&�)-&.1,!3).-�$)2#+.241%�#.-31.+2�

3(%��������-241!-#%��1.4/�%23!"+)2(%$�3(%���)2#+.241%��.,,)33%%��!-$�"4)+3�!�3),%+8�$)2#+.241%�2823%,�

��))22##++..224411%%����..,,,,))3333%%%%

�(%���)2#+.241%��.,,)33%%��(!2�%23!"+)2(%$�"8�!�1%2.+43).-�.&�3(%��.!1$�.&��)1%#3.12��!-$�)2�3(%�)-23)343).-�!3�3(%�#.1%

.&�3(%�)-&.1,!3).-�$)2#+.241%�2823%,���(%�#.,,)33%%�)2�#.,/.2%$�.&�.432)$%�$)1%#3.12�!-$�.&&)#%12$)1%#3.12�)-�#(!1'%�.&

3(%�/+!--)-'��3(%�!##.4-3)-'��!-$�.3(%1�$%/!13,%-32�1%+!3%$�3.�)-&.1,!3).-�$)2#+.241%���(%��������-241!-#%��1.4/

1%'4+!1+8�(.+$2�3()2�#.,,)33%%�!-$�5%1)&)%2�3(%�!//1./1)!3%-%22�.&�/1.#%$41%2�!-$�%5!+4!3).-2��!-$�3(%�%&&%#3)5%-%22�.&

3(%�)-&.1,!3).-�$)2#+.241%�#.-31.+2�.&�3(%�%-3)1%��1.4/�

�(%�.5%15)%6�.&�3(%�2314#341%�.&�3),%+8�$)2#+.241%�)2�/1.5)$%$�)-�3(%��.1/.1!3%��.5%1-!-#%��%/.13�

�.1/.1!3%��.5%1-!-#%��%/.13���!/!-%2%��-+8������ ����� �����

��..,,,,44--))##!!33))..--��66))33((����((!!11%%((..++$$%%1122��!!--$$����--55%%2233..1122

�(%��������-241!-#%��1.4/�)2�!#3)5%+8�),/+%,%-3)-'�$)!+.'4%�6)3(�2(!1%(.+$%12��)-5%23.12��!-$�!-!+8232�6)3(

,!-!'%,%-3�!3�3(%�#.1%���-�!$$)3).-�3.�(.+$)-'�3(%�5!1).42�)-&.1,!3).-�,%%3)-'2�&.1�)-23)343).-!+�)-5%23.12�!-$�!-!+8232�

6%�/1.5)$%�()'(+8�#.-5%-)%-3�!-$�#+%!1�)-&.1,!3).-�31!-2,)22).-�3.�2(!1%(.+$%12�!-$�)-5%23.12�.-�3(%��������.+$)-'2

6%"2)3%���(%��������-241!-#%��1.4/�1%2/.-$2�)-�'..$�&!)3(�3.�%-04)1)%2�&1.,�)-5%23.122(!1%(.+$%12�!-$�2%#41)3)%2

!-!+8232�� %�6)++�2(!1%�6)3()-�3(%�#.,/!-8�24#(�1%04%232�!-$�./)-).-2�3(!3�6%�1%#%)5%$�$41)-'�3(%�#.412%�.&�.41���

!#3)5)3)%2��!-$�6)++�42%�3(%,�3.�%-(!-#%�.41�#.1/.1!3%�5!+4%�

�.+)#8�&.1��.-2314#3)5%��)!+.'4%�6)3(��(!1%(.+$%12

ここ

Corporate Governance > Information Disclosure > Disclosure of Information and Investor Relations (IR)

85

$0-��:7=8�7:/)61B-,��6.7:5)<176��--<16/;��)<�?01+0�<0-

!:-;1,-6<�-@84)16-,�5)6)/-5-6<�;<:)<-/1-;�)6,�8-:.7:5)6+-�

);�?-44�);��#�����"��)A��;-;;176;�.7:�<0-�+76;<:=+<1>-

-@+0)6/-�7.�7816176;�*-<?--6�5)6)/-5-6<�-@-+=<1>-;�)6,

16>-;<7:;��<�)4;7�7:/)61B-,��758)6A�16.7:5)<176�;-;;176;

)15-,�)<�16,1>1,=)4�16>-;<7:;�16�>):17=;�8):<;�7.���!���)6,

-@01*1<-,�)<�<0-��133-1��"��)1:��� ��.7:�<0-�.1:;<�<15-

�6.7:5)<176��--<16/��.7:�16;<1<=<176)4�16>-;<7:;�)6,�)6)4A;<;� �#�����"��)A��� �

$0-��#�����6;=:)6+-��:7=8�8:7)+<1>-4A�-6/)/-;�16�01/04A�<:)6;8):-6<�16.7:5)<176�,1;+47;=:-�)6,�+76;<:=+<1>-�,1)47/=-�?1<0

;0):-074,-:;�)6,�16>-;<7:;�16�)6�-..7:<�<7�)+01->-�;=;<)16)*4-�/:7?<0�)6,�16+:-);-�-6<-:8:1;-�>)4=-

#8-+1.1+)44A��*A�8:7>1,16/�01/04A�<:)6;8):-6<�16.7:5)<176�,1;+47;=:-���#����;--3;�<7�:-,=+-�16.7:5)<176�);A55-<:1-;�?1<0

;0):-074,-:;�)6,�16>-;<7:;��4;7��*A�7*<)1616/�.--,*)+3�.:75�+76;<:=+<1>-�,1)47/=-�?1<0�;0):-074,-:;�)6,�16>-;<7:;���#����1;

)*4-�<7�;0):-�<01;�.--,*)+3�?1<0�1<;�5)6)/-5-6<�)6,�<0-�:-4->)6<�,-8):<5-6<;�)6,�=<141B-�1<�16�.7:5=4)<16/�1<;�5)6)/-5-6<

;<:)<-/1-;

��))1166����6611<<11))<<11>>--;;

��++<<11>>11<<11--;;��%%66,,--::<<))33--66������11;;++))44������ ����

��""����++<<11>>11<<11--;;����1155--,,��))<<����77::--11//66����66>>--;;<<77::;;

�667=6+-5-6<�7.�<0-�D!741+A�.7:��76;<:=+<1>-��1)47/=-�?1<0�#0):-074,-:;EF

�74,16/�7.�D�#�����"��)AE�?1<0�<0-�7*2-+<1>-;�*-16/�<7�0)>-�<0-�<78�5)6)/-5-6<�7.�-)+0�*=;16-;;�,1>1;176�-@84)16

*=;16-;;�,-<)14;�)6,�<7�+)::A�76�)�+76;<:=+<1>-�,1)47/=-�*-<?--6�5)6)/-5-6<�-@-+=<1>-;�)6,�16>-;<7:;��76+-�)�A-):�

F

�;�5-);=:-;�<7�;<:-6/<0-6�16.7:5)<176�;0):16/�?1<0�5)6)/-5-6<�)6,�:-4->)6<�,-8):<5-6<;��1584-5-6<)<176�7.�:-/=4):

:-87:<16/�76��"�)+<1>1<1-;��.--,*)+3�76�07?�<0-�;<7+3�5):3-<;�>1-?�<0-��758)6A��)6,�9=):<-:4A�:-87:<;�76�<0-��758)6AC;

;0):-�8:1+-;�<7��:7=8��)6)/-5-6<��7551<<--�)6,�<0-��7):,�7.��1:-+<7:;

F

�:-)<176�7.�)�8:7/:)5�.7:�.--,*)+3�5--<16/;�<7�<0-��:7=8C;�:-4->)6<�,-8):<5-6<;����<15-;�)�A-):�F

ここ

Corporate Governance > Information Disclosure > Disclosure of Information and Investor Relations (IR) > Policy for Constructive dialogue with shareholders

86

'1<0�.7:-1/6�16,1>1,=)4�)6,�+7:87:)<-�16>-;<7:;�:-8:-;-6<16/

)457;<�����7.�<0-�<7<)4��<0-��:7=8�0);�*--6�;<:-6/<0-616/

16.7:5)<176�,1;+47;=:-�)6,�+755=61+)<176�.7:�<0-�*-6-.1<�7.

.7:-1/6�16>-;<7:;�)6,�)+<1>-4A�8:757<16/�,1)47/=-�?1<0�<0-5

��;<:76/�-..7:<�?);�5),-�<7�-6/)/-�16�+76;<:=+<1>-�,1)47/=-�

<0)<�16+4=,-,�)+<1>-�8):<1+18)<176�16�+76.-:-6+-;�7:/)61B-,�*A

;-+=:1<1-;�+758)61-;�.7:�.7:-1/6�16>-;<7:;�);�?-44�);

7>-:;-);�<:)>-4�*A�<0-�!:-;1,-6<�)6,�<0-�7..1+-:�16�+0):/-�7.

<0-��7:87:)<-��755=61+)<176;�)6,��6>-;<7:�"-4)<176;

�-8):<5-6<�<7�>1;1<�16>-;<7:;�16,1>1,=)44A��:75�<0-

8-:;8-+<1>-�7.�8:7>1,16/�;?1.<�)6,�.)1:�16.7:5)<176�,1;+47;=:-�

-..7:<;�?-:-�5),-�<7�;<:-6/<0-6��6/41;0�16.7:5)<176

,1;+47;=:-�76�<0-�?-*;1<-�)6,�158:7>-�<0-�,1;+47;=:-�7.

16.7:5)<176�.7:�.7:-1/6�16>-;<7:;

��66..77::55))<<117766����11;;++4477;;==::--��));;��<<00--����));;11;;��..77::����11))4477//==--

��--66--::))44��##00))::--007744,,--::;;CC����----<<1166//

�6�.1;+)4��� ���?1<0�<0-�/7)4�7.�074,16/�)�/-6-:)4�;0):-074,-:;C�5--<16/�?1<0�)6�)+<1>-�9=-;<176�)6,�)6;?-:�;-;;176�?1<0�5)6A

;0):-074,-:;��)6�-..7:<�?);�5),-�<7�158:7>-�<0-�+76<-6<�7.�16.7:5)<176�8:7>1,-,�16�<0-�/-6-:)4�;0):-074,-:;C�5--<16/

+76>7+)<176�67<1+-��7:�<0-�:-;74=<176�:-;=4<;��84-);-�;--������$

!!774411++AA��..77::����7766;;<<::==++<<11>>--����11))4477//==--��??11<<00��##00))::--007744,,--::;;

��1;+47;=:-��<-5�76��7:87:)<-��7>-:6)6+-��7,-�!:16+184-�� ���!741+A�.7:��76;<:=+<1>-��1)47/=-�?1<0�#0):-074,-:;�

����));;11++����8888::77))++00

ここ

Corporate Governance > Information Disclosure > Disclosure of Information and Investor Relations (IR) > Policy for Constructive dialogue with shareholders

87

$0-��758)6A�?144�)+<1>-4A�-6/)/-�16�+76;<:=+<1>-�,1)47/=-�?1<0�;0):-074,-:;�.7:�<0-��758)6A�;�;=;<)16-,�/:7?<0�)6,

-60)6+-5-6<�7.�1<;�5-,1=5�<7�476/<-:5�-6<-:8:1;-�>)4=-��)6,�?144�-6,-)>7:�<7�/-6-:)<-�.=:<0-:�-6<-:8:1;-�>)4=-�*A

=<141B16/�;=+0�,1)47/=-�16�5)6)/16/�<0-��758)6A

�6�),,1<176��<0-��758)6A�1;�-6/)/-,�16�-;<)*41;016/�16<-:6)4�;<:=+<=:-�.7:�,1;+47;=:-�7.�:-41)*4-�16.7:5)<176�<0)<�+)6

.7:5�)�.7=6,)<176�.7:�<01;�,1)47/=-��)6,�16�+:-)<16/�5-+0)61;5;�<7�57:-�-..-+<1>-4A�8:7>1,-�5)6)/-5-6<�)6,�<0-

�7):,�7.��1:-+<7:;�?1<0�.--,*)+3�:-/):,16/�<0-�+76<-6<�7.�;=+0�,1)47/=-

������7766<<::7744����))66))//--::��..77::����7766;;<<::==++<<11>>--����11))4477//==--

$01;�;0)44�*-��1:-+<7:���#-617:��@-+=<1>-� ..1+-:;��:-;876;1*4-�.7:�<0-��7:87:)<-��755=61+)<176;�)6,��6>-;<7:

"-4)<176;��-8):<5-6<��

������....77::<<;;��1166����((������ ��

� ���-);=:-;�.7:�7:/)61+�+778-:)<176�*-<?--6�<0-��7:87:)<-��755=61+)<176;�)6,��6>-;<7:�"-4)<176;��-8):<5-6<�

?01+0�);;1;<;�?1<0�;0):-074,-:�,1)47/=-��)6,�>):17=;�7<0-:�,-8):<5-6<;�?1<016�<0-��758)6A��)6,�-..7:<;�<7�-@8)6,

5-)6;�7.�,1)47/=-

�����-);=:-;�.7:�8:7>1,16/�;-617:�5)6)/-5-6<�)6,�<0-��7):,�7.��1:-+<7:;�?1<0�.--,*)+3�:-/):,16/�;0):-074,-:

,1)47/=-

�����-);=:-;�+76+-:616/�+76<:74�7.�16;1,-:�16.7:5)<176�16�<0-�+7=:;-�7.�;0):-074,-:�,1)47/=-

��#01:7��=211���1:-+<7:��&1+-�!:-;1,-6<��@-+=<1>-� ..1+-:;��1;�+=::-6<4A�16�+0):/-�7.�<01;�);;1/65-6<

�74,16/�:-/=4):�5--<16/;�.7:�<0-��7:87:)<-��755=61+)<176;�)6,��6>-;<7:�"-4)<176;��-8):<5-6<�<7�8:7>1,-�.--,*)+3

<7�7<0-:�:-4->)6<�,-8):<5-6<;

G

�74,16/�16>-;<7:�*:1-.16/;�4-,�*A�<0-�0-),;�7.�-)+0�*=;16-;;�=61<G

�74,16/�-@+0)6/-;�7.�7816176�?1<0�16>-;<7:;�.7:�<0-�8=:87;-�7.�,1)47/=-�*-<?--6�;-617:�5)6)/-5-6<�)6,�16>-;<7:;G

�"�)+<1>1<A�:-87:<;�)6,�.--,*)+3�76�<0-�-9=1<A�5):3-<�;�8-:+-8<176�7.�<0-��758)6A�<7�<0-�/:7=8�5)6)/-5-6<

5--<16/;�)6,�<0-��7):,�7.��1:-+<7:;�;-51)66=)44A��9=):<-:4A�:-87:<;�76�<0-�;<)<=;�7.�<0-��758)6A�;�;0):-�8:1+-

G

$15-4A�)6,�.)1:�,1;+47;=:-�7.�16.7:5)<176�.=44A�=<141B16/�<0-��758)6AC;�?-*;1<-G

�75841)6+-�?1<0�:=4-;�76�<0-�8:->-6<176�7.�16;1,-:�<:),16/��-<+��)6,�:-.:)1616/�.:75�,1)47/=-�:-4)<-,�<7�-):616/;�16

<0-�9=1-<�8-:17,�-;<)*41;0-,�16�<0-��"�8741+A�);�*-16/�<0:--�?--3;�8:17:�<7�<0-�)667=6+-5-6<�7.�-):616/;

G

ここ

Corporate Governance > Information Disclosure > Disclosure of Information and Investor Relations (IR) > Policy for Constructive dialogue with shareholders

88

����!!��$$������ ����������������$$���� ������((

������""���� ������""������$$%%""������ ������((������������""�������������� ""��##

������""���� ������""������$$%%""������ ������((

��""��������""���� ""���� ����$$ $$������##����""���� ������""��""��$$%%""��##

ここ

Corporate Governance > Information Disclosure > Disclosure of Information and Investor Relations (IR) > Capital Management Policy and Shareholder Return Policy

89

���������(��"����"�� ���"���$%"����$�

��&�����#�� "�$����%""��$���#����(��"�� ����!��������������"� ��$���(��"���������%��� ��$�����'$�(��"��

���%�� ��#��"���%(����#���$�"�������(�$�����(� ��$������%�������"������$���� ��#��"�� ���"#����$�����'$���#����(��"

" %!�� "���" ��$� ��$����%""��$���#����(��"

ここ

Corporate Governance > Information Disclosure > Disclosure of Information and Investor Relations (IR) > Capital Management Policy and Shareholder Return Policy

90

��,,((((''))++!!&&������))��((��))��++!!''&&**����''))������&&��$$!!&&������!!**##**����&&������))''--!!��!!&&������������++00����&&����������,,))!!++00

33

�!*#*�+'�',)�*'�!�+0��)�

�!-�)*!�0!&���&�����'%!&��%')�

�'%($�/��� �+ �)�')�&'+�.����&

)��'�&!1��)!*#*�� ����'��+!%�

�&���,�)�����!&*+�+ �!)

'��,))�&����')�()�(�)���')�+ �

.')*+�('**!�$��*��&�)!'*��!*��

%�"')�!**,���')�,*��*�!&�',)

�++�%(+*�+'�$����*+��$��$!-�*��&�

�'&�,�+���+!-���,*!&�**

��+!-!+!�*�����'���)�()'�,�+*

+ �+�%��+�+ ���!-�)*��&���*�'�

�,*+'%�)*��&��*�)-!��*�)�$�+��

+'����!��&+�()�-�&+!'&���*�.�$$

�*��!*�*+�)�()�-�&+!'&��&�

%!+!��+!'&�

��!��&+��)�-�&+!'&�

�!*�*+�)��)�-�&+!'&��&�

�!+!��+!'&

����!!����&&++����))��--��&&++!!''&&������!!**��**++��))����))��--��&&++!!''&&����&&��

��!!++!!����++!!''&&� ��*!+,�+!'&�'���$'��$�.�)%!&�

�&���!'�!-�)*!+0�!&�!��+��+ �+

+ ��*,*+�!&��!$!+0�'��+ ��.')$��!*

'&�+ ��-�)���'�����)!*!*��� �

������&*,)�&��� )',(�.')#*

'&�+ '*��!**,�*��0�()'-!�!&�

()'�,�+*��&��*�)-!��*�+'�*��,)�

���*',&���,+,)���')�+ ����)+ �

.!+ �',)�*+�#� '$��)*�

��*('&*��+'�$!%�+�

�&��

����**((''&&**����++''��$$!!%%��++���� ��&&����

� ���,)��&�'��&,)*!&����)���&�

!&�)��*�*�!&�%��!��$����*��)�

���'%!&��$�)���!**,�*��*�',)

*'�!�+0��'&+!&,�*�+'�����

���*,)�*��)��&������+ �+���&

*+�-��'����!*��*���&��()'%'+�

��$+ ����.�)!*#*��)���((��)!&�

�$'&�*!���!%()'-�%�&+*�+'

%��!�!&���&��%��!��$

+�� &'$'�0���+�!*�',)�%!**!'&�+'

)�*('&��+'�+ '*��)!*#*�

��*('&*��+'��!&���'�!�+0

����**((''&&**����++''����!!&&������''��!!��++00

���$!&!&��-!�)�&�0�'��$'��$

�'%%,&!+!�*�&'+�'&$0���,*�*

��('(,$�+!'&��&��$��#�'��*'�!�$

*�)-!��*��,+��$*'�$���*�+'

-�)!',*�'+ �)�!**,�*�*,� ��*

'-�)('(,$�+!'&�!&�,)��&��)��*�

���+ !&#�+ �+�*+!%,$�+!'&�'�

$'��$�!&�,*+)!�*��&����-�$'(%�&+

'���'%%,&!+0���*���*%�$$���&�

%��!,%�*!1����'%(�&!�*��)�

&���**�)0��')�+ ��)�-!+�$!1�+!'&

'��$'��$���'&'%!�*������)���$*'

�'�,*!&��'&�*'�!�$�!**,�*�'�

��-�$'(!&���',&+)!�*�

��-�$'(%�&+�'���'��$

'%%,&!+!�*

����--��$$''((%%��&&++��''������''����$$��''%%%%,,&&!!++!!��**

ここ

Contributing to Resolution of Social Issues through the Business

91

��))����++!!��!!&&��������**((''&&**!!��$$������&&--��**++%%��&&++��++''��''&&++))!!��,,++����++''������**''$$--!!&&������''��!!��$$����****,,��**

��))����++!!��!!&&��������**((''&&**!!��$$������&&--��**++%%��&&++��++''��''&&++))!!��,,++����++''

����**''$$--!!&&������''��!!��$$����****,,��**

� ��������&*,)�&��� )',(�*,((')+*��&������%���

*!�&�+')0�+'�+ ���)!&�!($�*��')���*('&*!�$���&-�*+%�&+

�������&!+!�+!-���� �� )',(�!*�.')#!&��'&�!%($�%�&+!&�

��(�&2*��+�.�)�* !(�'����&��!&-�*+%�&+���+!-!+!�*�.!+

�'&*!��)�+!'&��!-�&�+'��� �!**,�*�

�)��+!�!&����*('&*!�$���&-�*+%�&+�+'�'&+)!�,+��+'

��*'$-!&���'�!�$��**,�*

ここ

Contributing to Resolution of Social Issues through the Business

92

P):D<�$2?286>6?E�7@C

�44:56?E�'C6G6?E:@?

P):D<�$2?286>6?E�7@C

�:D2DE6C�'C6G6?E:@?�2?5

$:E:82E:@?

P'C@G:D:@?�@7��AA=:42E:@?D

#625:?8�E@�*276EJ�2?5

*64FC:EJ

P�77@CE�7@C��44:56?E

'C6G6?E:@?�2?5�+C277:4

*276EJ�'C@>@E:@?

P'C@G:56� ?7@C>2E:@?��3@FE

�:D2DE6C�'C6G6?E:@?�2?5

$:E:82E:@?

P'C@5F4ED�2?5�*6CG:46D�E@

'C6A2C6�7@C�+C277:4

�44:56?ED

P'C@5F4ED�2?5�*6CG:46D�E@

'C6A2C6�7@C��:D2DE6CD

&FC�>:DD:@?�:D��E@�4@?EC:3FE6�E@�E96�56G6=@A>6?E�@7�2�G:3C2?E�D@4:6EJ�2?5�96=A�D64FC6�2�D@F?5�7FEFC6�7@C�E96

62CE9�3J�3C:?8:?8�D64FC:EJ�2?5�D276EJ�E9C@F89�E96�8=@32=�:?DFC2?46�2?5�7:?2?4:2=�D6CG:46D�3FD:?6DD���+96�$*���

?DFC2?46��C@FA�92D�>256�677@CED�D@�:?DFC2?46�A2J>6?ED�42?�36�>256�:>>65:2E6=J�:?�42D6�@7�2�=2C86�D42=6

5:D2DE6C�2?5�H6�4@?EC:3FE6�E@�E96�C64@?DECF4E:@?�@7�2C62D�9:E�3J�5:D2DE6CD��.6�2=D@�H@C<�@?�4C62E:?8�2�D64FC6

2?5�D276�D@4:6EJ�H9:49�:D�C6D:=:6?E�E@�5:D2DE6CD�FD:?8�<?@H�9@H�E@�AC6G6?E�2?5�>:E:82E6�5:D2DE6CD�2?5�AC6G6?E

244:56?ED�E9C@F89�@FC�?@?�=:76�:?DFC2?46�3FD:?6DD��.6�2=D@�DFAA@CE�962=E9J�2?5�6?C:4965�=:G6D�E9C@F89�@FC�=:76

:?DFC2?46�3FD:?6DD�

$$22;;@@CC��))66DDFF==EEDD��::??����::DD4422==����������

##22FF??4499��@@77��EE9966��DD227766��@@AA66CC22EE::@@??DD

DD66CCGG::4466��77@@CC��44@@22DDEE22==��GG66DDDD66==DD

FFEE::==::KK::??88��DD>>22CCEEAA99@@??66DD

''CC@@GG::55::??88��::??77@@CC>>22EE::@@??��@@77

55::DD22DDEE66CC��AACC66GG66??EE::@@?? >>::EE::8822EE::@@??

::??77@@CC>>22EE::@@??

��??9922??4466>>66??EE��@@77��22FFEE@@>>@@33::==66

::??DDFFCC22??4466��33JJ��FFEE::==::KK::??88

EE66==66>>22EE::44DD��EE664499??@@==@@88JJ

��FFDD::??66DDDD��@@77��$$**������

ここ

Contributing to Resolution of Social Issues through the Business > Accident Prevention, Disaster Prevention and Mitigation

93

5566??EE::77JJ::??88��))::DD<<DD��22??55��''CC@@GG::55::??88��::??77@@CC>>22EE::@@??��@@??��))::DD<<DD

))::DD<<��$$22??228866>>66??EE��77@@CC����4444::5566??EE��''CC66GG66??EE::@@??

+@�AC6G6?E�EC277:4�244:56?ED�:E�:D�:>A@CE2?E�E@�2G@:5�C:D<D�H9:49�>2J�C6DF=E�:?�2?�244:56?E�:?�25G2?46��+96�$*���

?DFC2?46��C@FA�H:==�4@?EC:3FE6�E@�=@42=�D276EJ�E9C@F89�G:DF2=:K2E:@?�@7�724E@CD�E92E�42?�4@?EC:3FE6�E@�EC277:4�244:56?E

AC6G6?E:@?D�2?5�D6CG:46D�E92E�DFAA@CE�D276�5C:G:?8�

**66CCGG::4466��77@@CC����996644<<::??88�� ??55::4422EE::@@??��@@77��**==6666AA����AA??6622��**JJ??55CC@@>>66����**��**��

$* �92D�AC@G:565�D6CG:46�7@C�4964<:?8�:?5:42E:@?�@7�*�*��D=66A�2A?62�DJ?5C@>6��7@C�6>A=@J66D��.:E9�E96�D>2CEA9@?6

4FDE@>6CD�42?�C64@C5�2?5�2?2=JK6�D?@C:?8�2�DJ>AE@>�@7�*�*�2?5�E96�C6DF=ED�@7�E96�D4C66?65�6>A=@J66D�2C6�C6A@CE65�E@

>2?286CD�@7�E96�4@>A2?J��*�*�:D�D2:5�E@�36�2�42FD6�@7�AC@8C6DD:@?�@7�2E96C@D4=6C@D:D�>J@42C5:2=�:?72C4E:@?�2?5�3C2:?

:?72C4E:@?�2?5�E96�EJA:42=�D=66A:?6DD�42FD65�3J�*�*�>2J�C6DF=E�:?�2�72E2=�EC277:4�244:56?E��+9C@F89�E9:D�D6CG:46�E@�DFAA@CE

4@F?E6C>62DFC6D�282:?DE�*�*�@7�4@>A2?J�6>A=@J66D�H6�4@?EC:3FE6�E@�E96�D276EJ�2?5�962=E9�@7�6>A=@J66D�2?5�DFAA@CE

E96�D276EJ�@7�=@42=�4@>>F?:E:6D�

�AA=:42E:@?�D4C66?

ここ

Contributing to Resolution of Social Issues through the Business > Accident Prevention, Disaster Prevention and Mitigation

94

''CC@@GG::DD::@@??��@@77������CC::GG::??88����33::==::EEJJ������::2288??@@DD::DD

$* ��� �2?5�$:EDF:��:C64E��6?6C2=�2C6�AC@G:5:?8�7C66�D>2CEA9@?6�2AA=:42E:@?D�@776C:?8���C:G:?8��3:=:EJ���:28?@D:D�E92E

2?2=JK6D�2?5�5:28?@D6D�E96�5C:G:?8�492C24E6C:DE:4D�@7�2�5C:G6C�2?5�AC@G:56D�25G:46�

**FF>>22����@@��55CC::GG::??88��2233::==::EEJJEE66DDEEDDRR$$** SS

���F?4E:@?�E@�8:G6�2F5:@�25G:46�367@C6�5C:G:?8�32D65�@?�5C:G:?8�492C24E6C:DE:4D�2?5AC@G:56�5:28?@D:D�27E6C�5C:G:?8�32D65�@?�2?2=JD:D�C6DF=ED���C:G:?8�C64@C56C�7F?4E:@?�E@�C64@C5�2?5�4964<�G:56@D�2E�52?86C@FD�5C:G:?8�=@42E:@?D���F?4E:@?�E@�AC@G:56�2F5:@�H2C?:?8�H96?�2AAC@249:?8L=@42E:@?D�H96C6�?F>6C@FD244:56?ED�92G6�@44FCC65���F?4E:@?�E@�56=:G6C�E96�<6J�A@:?ED�@7�D276�5C:G:?8�32D65�@?�H62E96C�:?7@C>2E:@?���F?4E:@?�E@�AC@G:56���?:>2=��=6CE��H96?�2AAC@249:?8�=@42E:@?D�H96C6�>2?J244:56?ED�:?G@=G:?8�2?:>2=D�92G6�@44FCC65��@?=J�7@C�=:>:E65�C68:@?D�

**22AA@@��%%��-- ������CC::GG::??88����33::==::EEJJ����::2288??@@DD::DDRR���� SS

���F?4E:@?�E@�2?2=JK6�2?5�5:28?@D6�E96�5C:G:?8�492C24E6C:DE:4D�@7�5C:G6CD�2?5�AC@G:5625G:46���C:G:?8�C64@C56C�7F?4E:@?�E@�C64@C5�2?5�4964<�G:56@D�2E�52?86C@FD�5C:G:?8�=@42E:@?D���F?4E:@?�E@�G6C:7J�E96�DE2EFD�@7�E96�A6CD@?�4@>:?8�E@�2DD:DE�5C:G6CD�H96?�FD:?8C@25D:56�2DD:DE2?46���44:56?E��>6C86?4J� ?7@C>2E:@?�*6CG:46�3J�H9:49�DA64:2=:K65�@A6C2E@CD�>2<6C6BF6DED�7@C�A@=:46�@C�7:C6�56A2CE>6?ED�:?�=:6F�@7�5C:G6CD

$$FF;;::44@@==@@88JJ����CC::GG66RR$$::EEDDFF::����::CC6644EE��66??66CC22==��SS

���F?4E:@?�E@�AC@G:56�@?6�E@F49�4@>>F?:42E:@?�H:E9�2?�244:56?E�C646AE:@?�46?E6C�@C2�C@25�D6CG:46�46?E6C���F?4E:@?�E@�56E64E�DF556?�3C2<:?8�@C�4@==:D:@?�2?5�2FE@>2E:42==J�C64@C5�2?5�D2G6D46?6D�367@C6�2?5�27E6C�:E���F?4E:@?�E@�5:28?@D6�2AAC@AC:2E6?6DD�@7�5C:G:?8�:?4=F5:?8�2446=6C2E:@?�D=@H5@H?92?5=:?8�DE23:=:EJ�6E4����F?4E:@?�E@�2?2=JK6�2?5�5:28?@D6�E96�5C:G:?8�492C24E6C:DE:4D�2?5�>2<6�DEC6?8E9DH62<?6DD6D�2?5�E96�5C:G:?8�492C24E6C:DE:4D�G:D:3=6���F?4E:@?�E@�4964<�F?56CDE2?5:?8�@7�EC277:4�;2>�3J�D@=G:?8�BF6DE:@?D

ここ

Contributing to Resolution of Social Issues through the Business > Accident Prevention, Disaster Prevention and Mitigation

95

�44:56?E�>2A

>286�@7�%6H�+DF?2>:�$@56=

��7777@@CCEEDD��EE@@��''CC66GG66??EE��22??55��))6655FF4466��++CC227777::44����4444::5566??EEDD��33JJ��,,EE::==::KK::??88������4444::5566??EE��$$22AA��

$* �:?�4@@A6C2E:@?�H:E9� ?E6C):D<�)6D62C49� ?DE:EFE6����@?DF=E:?8�>2<6D

FD6�@7�244:56?E�52E2�96=5�3J�E96�4@>A2?J�E9C@F89�2FE@>@3:=6�:?DFC2?46

A@=:4:6D�2D�H6==�2D�52E2�7C@>�6IE6C?2=�:?DE:EFE:@?D���E@�2?2=JK6�2?5�:56?E:7J

=@42E:@?D�H96C6�244:56?ED�7C6BF6?E=J�@44FC�2?5�DF>>2C:K6D�E96

:?7@C>2E:@?�2D�2��$2A�@7�#@42E:@?D�H:E9��C6BF6?E��44:56?ED��7@C�2==�4:E:6D

2?5�H2C5D�24C@DD�!2A2?��+9:D�>2A�AC@G:56D�2�H:56�C2?86�@7�:?7@C>2E:@?

FD67F=�7@C�244:56?E�AC6G6?E:@?�:?4=F5:?8�E96�>@DE�4@>>@?�EJA6�@7

244:56?ED�2?5�DA64:7:4�AC6G6?E:G6�>62DFC6D�282:?DE�244:56?ED�2D�H6==�2D�2

>2A�@7�=@42E:@?D�H:E9�7C6BF6?E�244:56?ED�

����:D42=������52E2�@?�=@42E:@?D�H96C6�244:56?ED�7C6BF6?E=J�@44FC

�?2E:@?H:56��7C@>�E96� ?DE:EFE6�7@C�+C277:4��44:56?E�)6D62C49�2?5��2E2��?2=JD:D�:D�FD65�

))::DD<<��$$22??228866>>66??EE��77@@CC����::DD22DDEE66CC��''CC66GG66??EE::@@??��22??55��$$::EE::8822EE::@@??

E�:D�9:89=J�D:8?:7:42?E�E@�AC65:4E�C:D<D�E92E�>:89E�@44FC�:?�42D6�@7�2�?2EFC2=�5:D2DE6C�2?5�AC6A2C6�7@C�2?�6>6C86?4J��+96

$*���� ?DFC2?46��C@FA�DFAA@CED�5:D2DE6C�AC6G6?E:@?�2?5�>:E:82E:@?�E9C@F89�G2C:@FD�C:D<�>2?286>6?E�D6CG:46D�AC@G:565

3J�:ED�3FD:?6DD�4@>A2?:6D�32D65�@?�<?@H�9@H�E96��C@FA�92D�4F=E:G2E65�2?5�=2C86�2>@F?ED�@7�52E2�E96��C@FA�DE@C6D�

��@@??DDFF==EE::??88��**66CCGG::4466��EE9922EE��,,DD66DD��22��++DDFF??22>>::��$$@@5566==

$* �2?5� ?E6C):D<�)6D62C49� ?DE:EFE6����@?DF=E:?8�56G6=@A65�2�EDF?2>:

>@56=�E@�6DE:>2E6�52>286�7C@>�EDF?2>:�:?�4@@A6C2E:@?�H:E9�2�>2;@C�,�*�

4@>A2?J�DA64:2=:K65�:?�C:D<�2DD6DD>6?E�C682C5:?8�?2EFC2=�5:D2DE6CD��+9:D

EDF?2>:�>@56=�6?23=6D�2�4@?DF=E:?8�D6CG:46�E92E�42?�E2<6�:?E@�244@F?E

52>286�7C@>�2�EDF?2>:�:?�255:E:@?�E@�E96�4@?G6?E:@?2=�62CE9BF2<6�C:D<

2?2=JD:D���J�FD:?8�E96�C6DF=ED�@7�52>286�6DE:>2E6D�32D65�@?��AC@323:=:EJ

2?2=JD:D�����@7�EDF?2>:�C:D<�:E�3642>6�A@DD:3=6�7@C�E96�7:CDE�E:>6�2>@?8

5@>6DE:4�:?DFC2?46�4@>A2?:6D�E@�@776C�N2?�6DE:>2E65�2>@F?E�@7�52>286D

7@C�2�C6EFC?�A6C:@5��E96�2>@F?E�E@�36�:?4FCC65�@?46�:?�����J62CD�6E4��O

244@C5:?8�E@�E96�C6BF6DED�@7�6249�4FDE@>6C�2?5�E@�>2<6�2�AC@A@D2=�@?

�AC:@C:EJ�@C56C�@7�>62DFC6D�2E�>F=E:A=6�32D6D��H9:49�H2D�5:77:4F=E�H:E9�4@?G6?E:@?2=��D46?2C:@�2?2=JD:D����

�����DE:>2E65�2>@F?ED�@7�52>286D�@?�4@G6C65�AC@A6CE:6D�:?�C6DA64E�E@�2==�6IA64E65�62CE9BF2<6D�2C6�42=4F=2E65��+96

C6DF=ED�2C6�E96?�:?E68C2E65�2?5�AC@46DD65�:?�2�DE@492DE:4�>6E9@5��.:E9�2?�2>@F?E�@7�4@?DECF4E:G6�=@DD�7@C�6249�C6EFC?

A6C:@5��6I46DD�@7�=@DD�4FCG6���'�4FCG6��:E�:D�A@DD:3=6�E@�G:DF2=:K6�E96�2>@F?E�@7�C:D<�32D65�@?�AC@323:=:EJ�

�����2D65�@?�E96�7@C642DE�@7�62CE9BF2<6D�E92E�92G6�@44FCC65�@?�DA64:7:4�24E:G6�72F=ED�2?5�EC@F89D�2?�6DE:>2E65�2>@F?E

@7�52>286D�@?�4@G6C65�AC@A6CE:6D�:D�42=4F=2E65�� E�:D�A@DD:3=6�E@�G:DF2=:K6��9@H�325�E96�52>286�H@F=5�36�:7�2�DA64:7:4

62CE9BF2<6�@44FCD����@C�6I2>A=6�E96�%2?<2:�+C@F89�4@?D@=:52E65�EJA6�62CE9BF2<6�2?5�E96��C62E�"2?E@��2CE9BF2<6

5FC:?8�E96�+2:D9@�6C2�

ここ

Contributing to Resolution of Social Issues through the Business > Accident Prevention, Disaster Prevention and Mitigation

96

''CC66GG66??EE::??88��))::DD<<DD��77CC@@>>����66::??88��))6622==::KK6655�� ��))6655FF44::??88��EE9966�� >>AA2244EE��@@77��))::DD<<DD

''CC@@GG::DD::@@??��@@77����AAAA==::4422EE::@@??DD��##662255::??88��EE@@��**227766EEJJ��22??55��**6644FFCC::EEJJ

$* �2?5��� �AC@G:56�G2C:@FD�>6?FD�=625:?8�E@�D276EJ�2?5�D64FC:EJ�E9C@F89�E96�D>2CEA9@?6�2AA=:42E:@?�*F>2��@��$* ��2?5

*2A@�%�- ���� ���.6�H:==�4@?E:?F6�6?92?4:?8�:?7@C>2E:@?�2?5�7F?4E:@?D�FD67F=�7@C�244:56?E�AC6G6?E:@?�2?5�H:56C�25@AE:@?

@7�D276�5C:G:?8�

**FF>>22����@@����$$** ��

��$* �D�AC@AC:6E2CJ�2AA=:42E:@?�AC@G:5:?8�4@?G6?:6?E�2?5�FD67F=�D6CG:46D�C6=2E65�E@�2FE@>@3:=6:?DFC2?46�7:C6�:?DFC2?46�2?5�42DF2=EJ�:?DFC2?46�F?56C�E96�4@?46AE�� ?DFC2?46�@?�J@FC�A2=>��

�=:4<�96C6�7@C�56E2:=��$* �&77:4:2=�*:E6�!2A2?6D6�@?=J�

**FF>>22����@@����??::>>22==����==66CCEE��$$** ��

���F?4E:@?�E@�AC6G6?E�EC277:4�244:56?ED�4@==:5:?8�H:E9�C2C6�2?:>2=D����D6CG:46�E@�8:G6�2?�2F5:@H2C?:?8�H96?�D@>6@?6�2AAC@2496D�2C62D�@7�7C6BF6?E�EC277:4�244:56?ED�:?G@=G:?8�2?:>2=D�:?&<:?2H2�AC6764EFC6�%2C2�AC6764EFC6�2?5��@<<2:5@�

�=:4<�96C6�7@C�56E2:=��$* �&77:4:2=�*:E6�!2A2?6D6�@?=J�

**22AA@@��%%��-- �������� ��

���� �D�AC@AC:6E2CJ�2AA=:42E:@?�56D:8?65�E@�AC6G6?E�42C�244:56?ED�2?5�E@�36�FD65�2D�2�C6=:23=6A2CE?6C�:?�42D6�@7�244:56?ED�

�=:4<�96C6�7@C�56E2:=���� �&77:4:2=�*:E6�!2A2?6D6�@?=J�

$$** ����$$@@EE@@CC����DDDD::DDEE$$@@33::==66����''''����$$** ��$$22==22JJDD::22��

���AA=:42E:@?�7@C�2FE@>@3:=6�:?DFC2?46�A@=:4J9@=56CD�AC@G:5:?8�7F?4E:@?D�7@C�4@>>F?:42E:@?�:?42D6�@7�2?�244:56?E�C6BF6DE�7@C�EC@F3=6�2DD:DE2?46�D6CG:46D�2?5�C6A@CE:?8�@7�52>286�E@�E964@>A2?J�H:E9�:>286�52E2�

�=:4<�96C6�7@C�56E2:=��$* �� ?DFC2?46��$2=2JD:2��&77:4:2=�*:E6�

��66GG66==@@AA>>66??EE��@@77��%%66HH����4444::5566??EE��''CC66GG66??EE::@@??��**66CCGG::4466DD��**FF::EE2233==66��77@@CC��++CC227777::44����@@??55::EE::@@??DD��::??����DD::22??����@@FF??EECC::66DD

*:?46��646>36C������$* ��� �2?5� ?E6C):D<�)6D62C49� ?DE:EFE6����@?DF=E:?8�92G6�366?�AC@G:5:?8��)$���FE@>@E:G6�):D<

$2?286>6?E���+9:D�:D�2�?6H�244:56?E�AC6G6?E:@?�D6CG:46�E@�:>AC@G6�5C:G:?8�D<:==D�2?5�>2??6CD�7@C�E96�AFCA@D6�@7

AC6G6?E:?8�2?5�C65F4:?8�EC277:4�244:56?ED�:?��D:2���F6�E@�C2A:5�>@E@C:K2E:@?��D:2�92D�6IA6C:6?465�2?�:?4C62D6�:?�EC277:4

244:56?ED�2?5�42DF2=E:6D�5F6�E@�E96>�=625:?8�E@�:?4C62D:?8�?665D�>2:?=J�7C@>�4@CA@C2E6�4FDE@>6CD�7@C�DFAA@CE�7@C

244:56?E�AC6G6?E:@?�677@CED�� ?�@C56C�E@�>66E�DF49�4FDE@>6C�?665D�E9:D�D6CG:46�H2D�56G6=@A65�2D�2�?6H�244:56?E

AC6G6?E:@?�D6CG:46�DF:E23=6�7@C�EC277:4�4@?5:E:@?D�2?5�244:56?E�492C24E6C:DE:4D�:?�6249��D:2?�4@F?ECJ�� E�H2D�4C62E65�3J

=6G6C28:?8�E96�<?@H�9@H�:?�244:56?E�AC6G6?E:@?�D6CG:46D�7@C�4@CA@C2E:@?D��5C:G:?8�2AE:EF56�5:28?@D:D�52?86C�AC65:4E:@?

EC2:?:?8�6E4���4F=E:G2E65�:?�!2A2?��+96�$*���� ?DFC2?46��C@FA�H:==�4@?E:?F6�4@?EC:3FE:?8�E@�D276�5C:G:?8�65F42E:@?�2?5

244:56?E�AC6G6?E:@?�2D�E96�=625:?8�4@>A2?J�:?�E96�?@?�=:76�:?DFC2?46�:?5FDECJ�:?�*@FE962DE��D:2�

��::DD44@@FF??EE��@@77����FFEE@@>>@@33::==66�� ??DDFFCC22??4466��''CC66>>::FF>>DD��22DD��EE9966��))66HH22CC55��77@@CC����EEEE66??55::??88��**227766EEJJ��++CC22::??::??88

$* �=2F?4965���44:56?E��@@A6C2E:@?�):56C�0�65:42E65�E@�*276EJ�$2?286>6?E��6CE:7:42E:@?�*6>:?2C1��:?��AC:=�������+9:D

C:56C�AC@G:56D�2����5:D4@F?E�@?�:?DFC2?46�AC6>:F>D�E@�EC2?DA@CE2E:@?�3FD:?6DD�@A6C2E@CD�E92E�2EE6?5�E96�+C2?DA@CE

*276EJ�$2?286>6?E�*6>:?2C��46CE:7:42E:@?�D6>:?2C���AC@>@E65�3J�E96�$:?:DECJ�@7�#2?5� ?7C2DECF4EFC6�2?5�+C2?DA@CE�2?5

56D:8?2E6�:?�25G2?46�H9:49�D64E:@?�E@�C6DA@?5�E@�:?�42D6�@7�2?�244:56?E��+96�AC@G:D:@?�@7�E9:D�C:56C�H:==�=625�E@�AC6G6?E:@?

@7�D6C:@FD�244:56?ED�2?5�E96:C�C64FCC6?46�� E�H:==�5@�E9:D�3J�DFAA@CE:?8�E96�7FCE96C�25@AE:@?�@7�E96�EC2?DA@CE�D276EJ

>2?286>6?E�DJDE6>�����2?5�AC@>@E:?8�4@?E:?F@FD�D276EJ�677@CED�:?4=F5:?8�4@CA@C2E:@?D��G@=F?E2CJ�6DE23=:D9>6?E�@7�2

D276EJ�>2?286>6?E�DJDE6>�@C�FE:=:K2E:@?�@7�E96�'����4J4=6�

����+96�46CE:7:42E:@?�D6>:?2C�:D�2�D6>:?2C�AC@G:565�3J�AC:G2E6�:?DE:EFE:@?D�>2:?=J�E@�>65:F>��@C�D>2==�D:K65�EC2?DA@CE

3FD:?6DD�@A6C2E@CD�32D65�@?�4FCC:4F=F>D�46CE:7:65�3J�E96�$:?:DECJ�@7�#2?5� ?7C2DECF4EFC6�2?5�+C2?DA@CE��&FC�8C@FA

4@>A2?J� ?E6C):D<�)6D62C49� ?DE:EFE6����@?DF=E:?8�H2D�2=D@�46CE:7:65�2D�2?�:>A=6>6?E:?8�286?4J�7@C�E9:D�46CE:7:42E:@?

D6>:?2C�

����+96�+C2?DA@CE�*276EJ�$2?286>6?E�*JDE6>�:D�2�DJDE6>�E@�AC@>@E6�677@CED�7@C�36EE6C�EC2?DA@CE�D276EJ�2?5�H2D

6DE23=:D965�:?�&4E@36C������:?�C6DA@?D6�E@�:?4C62D65�244:56?ED�42FD65�3J�9F>2?�6CC@CD�2E�EC2?DA@CE�3FD:?6DD�@A6C2E@CD�

ここ

Contributing to Resolution of Social Issues through the Business > Accident Prevention, Disaster Prevention and Mitigation

97

'C@5F4E�244:56?E�AC6G6?E:@?�A@DE6CD

�7@C<=:7E�G6CD:@?�A2==6E�G6CD:@?�

**FFAAAA@@CCEE��77@@CC����@@CCAA@@CC22EE66��))::DD<<��$$6622DDFFCC66DD��������''��

'C6A2C:?8�7@C�62CE9BF2<6D�2?5�@E96C�?2EFC2=�5:D2DE6CD�92D�364@>6�>@C6�2?5�>@C6�:>A@CE2?E��$* ��� �2?5� ?E6C):D<

)6D62C49� ?DE:EFE6����@?DF=E:?8�92G6�24E:G6=J�366?�6?82865�:?�>:E:82E:?8�52>286�7C@>�62CE9BF2<6D�EDF?2>:�2?5�H2E6C

5:D2DE6CD�2?5�25G:D@CJ�D6CG:46D�7@C�7@C>F=2E:?8��FD:?6DD��@?E:?F:EJ�'=2?D����'D���+96J�2=D@�DFAA@CE�@A6C2E:@?2=�5C:==D

H:E9�5:D2DE6C�D46?2C:@D�:?�2?�677@CE�E@�4@?EC:3FE6�E@�E96�4C62E:@?�@7�2�7=6I:3=6�2?5�C@3FDE�D@4:6EJ�7C@>�E96�AC6G6?E:@?�2?5

>:E:82E:@?�@7�5:D2DE6CD�E@�3FD:?6DD�4@?E:?F:EJ�� ?�7:D42=������:?�A2CE:4F=2C�H6�AC@G:565�@G6C�����D6>:?2CD�2C@F?5�E96

?2E:@?�7@==@H:?8�E96�"F>2>@E@��2CE9BF2<6D��.6�2=D@�@776C65�8=@32=�DFAA@CE�3J�3F:=5:?8���'�>@56=D�7@C�@G6CD62D�3FD:?6DD

@77:46D�

))::DD<<��$$::EE::8822EE::@@??����7777@@CCEE

$* �>2<6D�677@CED�7@C�C:D<�>2?286>6?E�2?5�@E96C�C:D<�>:E:82E:@?�32D65�@?�:ED�2>A=6�<?@H�9@H�C6=2E65�E@�52>286

@44FCC6?46�C:D<D��+96��C@FA�2D�2�H9@=6�DFAA@CED�C:D<�AC6G6?E:@?�:?�E96�8=@32=�6?G:C@?>6?E�2D�H6==�2D�:?�!2A2?�

''CC@@GG::DD::@@??��@@77��))::DD<<��$$22??228866>>66??EE��**66CCGG::4466DD

$*��>=:?�92D�2�C:D<�6?8:?66C:?8�E62>�2C>65�H:E9�AC@76DD:@?2=�<?@H=6586�2?5�6IA6C:6?46�H9:49�AC@G:56D�C:D<�>2?286>6?E

D6CG:46D�E@�4FDE@>6CD���J�5@:?8�D@�:E�:D�6?82865�:?�24E:G:E:6D�E@�AC6G6?E�E96�@44FCC6?46�2?5�DAC625�@7�=@DD�� ?�A2CE:4F=2C

E96�C:D<�>2?286>6?E�D6>:?2CD�E92E�E96�4@>A2?J�@C82?:K6D�7@C�4FDE@>6CD�2?5�E96��#@DD� ?4:56?E��C6A@CE�E92E�2?2=JK6D

E96�42FD6D�@7�7C6BF6?E�244:56?ED�2?5�F?FDF2=�244:56?ED�2?5�AC6D6?ED�4@F?E6C>62DFC6D�92D�366?�H6==�C646:G65�3J

4FDE@>6CD�� ?�E96D6�H2JD�E96�4@>A2?J�:D�4@?EC:3FE:?8�E@�6?92?4:?8�C:D<�>2?286>6?E�7@C�4FDE@>6CD�2?5�E@�AC6G6?E:?8

E96�@44FCC6?46�@7�244:56?ED�

��7777@@CCEE��77@@CC����4444::5566??EE��''CC66GG66??EE::@@??��22??55��))::DD<<��$$::EE::8822EE::@@??

)6DA@?5:?8�E@�4FDE@>6C�C6BF6DED�$* �AC@G:56D�:?5:G:5F2=�:?G6DE:82E:@?�2?5

25G:D@CJ�D6CG:46D�C682C5:?8�C:D<D�C6=2E65�E@�24E:G:E:6D�5FC:?8�EC2?DA@CE�@C�:?�A@CE

724:=:E:6D�3J�FE:=:K:?8�5C@?6D�2?5�@E96C�DE2E6�@7�E96�2CE�E649?@=@8:6D�

�FCE96C>@C6�$* �:D�9@DE:?8�D6>:?2CD�C6=2E65�E@�=@8:DE:4D�C:D<D�2E�A@CED�@?�C@25D

2?5�2E�:?5FDEC:2=�2C62D�2?5�@E96C�=@42E:@?D�>2:?=J�:?��D:2?�4@F?EC:6D��$* �:D�2=D@

H@C<:?8�E@�AC@G:56�7FCE96C�:?7@C>2E:@?�E9C@F89�677@CED�DF49�2D�E96�4C62E:@?�@7

�-�D�6IA=2:?:?8�E96�=@8:DE:4D�D:EF2E:@?�:?�6249�4@F?ECJ��+9C@F89�>62DFC6D�=:<6

E96D6�H6�2C6�H@C<:?8�E@�DFAA@CE�@FC�4FDE@>6CD�:?�249:6G:?8�E96�D276�2?5�DH:7E

EC2?DA@CE�@7�AC@5F4ED�

ここ

Contributing to Resolution of Social Issues through the Business > Accident Prevention, Disaster Prevention and Mitigation

98

$,! �&#&�/��#23@C2E@CJ�D�H63D:E6

**227766��&&AA66CC22EE::@@??DD��**FFAAAA@@CCEE��**66CCGG::4466��77@@CC����@@>>66DDEE::44��--66DDDD66==DD��,,EE::==::KK::??88��**>>22CCEEAA99@@??66DD

*:?46��AC:=������$* �92D�366?�AC@G:5:?8��* �%�#��2�D276�@A6C2E:@?�DFAA@CE�D6CG:46�7@C�5@>6DE:4�G6DD6=D�FE:=:K:?8

D>2CEA9@?6D�:?�A2CE?6CD9:A�H:E9�.62E96C?6HD� ?4��+9:D�D6CG:46�2=6CED�5@>6DE:4�G6DD6=D�D2:=:?8�:?�C@F89�H2E6C�H:E9�D@F?5

@C�6�>2:=D�G:2�565:42E65�D>2CEA9@?6D�AC@G:565�3J�.62E96C?6HD�� E�2=D@�8:G6D�7@C642DED�@7�2E>@DA96C:4�@C�>2C:?6�H62E96C

@C�D9@HD�G:56@D�@7�H2E6CD�2C@F?5�E96�G6DD6=�@?�2�565:42E65�H63D:E6��+9:D�96=AD�AC6G6?E�244:56?ED�2?5�42?�2=D@�36�FD65

3J�G6DD6=�@A6C2E@CD�E@�49@@D6�D276�C@FE6D��$* �H:==�4@?E:?F6�DFAA@CE:?8�4FDE@>6CD��D276�G6DD6=�@A6C2E:@?D�2?5

4@?EC:3FE:?8�E@�E96�AC6G6?E:@?�2?5�>:E:82E:@?�@7�>2C:E:>6�244:56?ED�

��22>>AA22::88??��77@@CC����55FF4422EE::@@??��::??��**227766����CC::GG::??88

�FD:?6DD�4@>A2?:6D�@7�E96�$*���� ?DFC2?46��C@FA�2C6�AC24E:4:?8�24E:G:E:6D�@C�4C62E:?8�E@@=D�=625:?8�E@�65F42E:@?�:?�D276

5C:G:?8�2:>:?8�7@C�2?�244:56?E�7C66�D@4:6EJ�

$$,,!! ��&&##&&��//����''CC@@;;6644EE����::>>::??88��77@@CC����4444::5566??EE��77CC6666����FFEE@@��**@@44::66EEJJ

$:EDF:��:C64E��6?6C2=�:>A=6>6?ED�E96�$,! �&#&�/��'C@;64E�E92E�2:>D�7@C

2?�2FE@�D@4:6EJ�:?�H9:49�E96C6�2C6�K6C@�244:56?ED��&?�E96�$,! �&#&�/�

#23@C2E@CJ�D�H63D:E6�E96�:?7@C>2E:@?�3C@2542DE:?8�32D6�@7�E96�AC@;64E�H6

H6=4@>65�$C��%:D9:?2C:�AC@76DD@C�@7�E96�,?:G6CD:EJ�@7�+@<J@�2?5�2?

6IA6CE�:?�;2>@=@8J��D4:6?46�@7�EC277:4�4@?86DE:@?��2D��:C64E@C��+96�D:E6

AC@G:56D�G:56@D�@7�;2>@=@8J�=64EFC6D�2?5�4@?E6?E�E92E�96=AD�E@�:>AC@G6

5C:G:?8�>2??6CD�E@�AC@>@E6�D276�5C:G:?8�

.6�2=D@�6DE23=:D965�E96�$,! �&#&�/�*>:=6��F?5�2�5@?2E:@?�DJDE6>�:?�H9:49�5@?2E:@?�2>@F?ED�E@�@C82?:K2E:@?D�A=2J:?8

24E:G6�C@=6D�:?�EC277:4�244:56?E�AC6G6?E:@?�6?G:C@?>6?E�AC@E64E:@?�65F42E:@?�2?5�C64@?DECF4E:@?�DFAA@CE�2C6�564:565�3J

4FDE@>6CD��G@E6D��+9:D�7F?5�92D�249:6G65�2�DECF4EFC6�@7�D@4:2=�4@?EC:3FE:@?�32D65�@?�2�?6H�4@?46AE�:?�H9:49�D276�5C:G:?8

DFAA@CED�@E96CD����E@E2=�@7�������4FDE@>6CD�G@E65�:?�7:D42=��������AC:=��������$2C49�������

$,! �&#&�/�*>:=6��F?5

ここ

Contributing to Resolution of Social Issues through the Business > Accident Prevention, Disaster Prevention and Mitigation

99

''CC@@GG::DD::@@??��@@77��**227766����CC::GG::??88����55FF4422EE::@@??22==��++@@@@==DD

$* �2?5��� �2C6�DFAA@CE:?8�AC6G6?E:@?�2?5�>:E:82E:@?�@7�52>286�7C@>�EC277:4�244:56?ED�3J�AC@G:5:?8�D276�5C:G:?8

65F42E:@?2=�E@@=D�7@C�6=56C=J�5C:G6CD�2?5�49:=5C6?��.6�2=D@�7@4FD�@?�677@CED�7@C�AC6G6?E:?8�3:4J4=6�244:56?ED�H9:49�92G6

366?�:?4C62D:?8�C646?E=J�

$$2288@@<<@@CC@@����CC::GG66����33CC@@4499FFCC66����22??55""FFCCFF>>22��++@@CC::<<<<FF����HH6633��3322DD665544@@??EE66??EE������$$** ��

+9:D�E@@=�7@4FD6D�@?�H62<6?:?8�6J6D:89E�@?6�@7�E96�42FD6D�@7�EC277:4�244:56?ED�3JD6?:@C�5C:G6CD��+9:D�DFAA@CED�D276�2?5�D64FC6�42C�=:76�3J�6?92?4:?8�F?56CDE2?5:?8@7�G:DF2=�56AE9�A6C46AE:@?�2�G:DF2=�23:=:EJ�E@�A6C46:G6�E96�H@C=5�:?�E9C665:>6?D:@?D�E92E�H62<6?D�H:E9�286�

''::44EEFFCC66����@@@@<<��2233@@FFEE''CC66GG66??EE::@@?? ��6644CC6622DD66��@@77��++CC227777::44��4444::5566??EEDD�������� ��

.9:E6�362C�72E96C�2?5�9:D�49:=5�+@F89J����2AAJ�E96�>2D4@E�492C24E6CD�@7��� �DAC@5F4E�3C2?5�+&,���56=:G6C�>6DD286D�E@�49:=5C6?�7@C�AC6G6?E:?8 >:E:82E:?8EC277:4�244:56?ED�3J�56A:4E:?8�E96�92AAJ�6G6CJ52J�=:76�@7�+@F89J����2AAJ�H:E9�E96E96>6�@7�E96�:>A@CE2?46�@7�@3D6CG:?8�EC277:4�CF=6D�

��7777@@CCEE��77@@CC��AACC66GG66??EE::??88��33::44JJ44==66��224444::5566??EEDD

.:E9�E96�:?4C62D6�:?�D6C:@FD�244:56?ED�42FD65�3J�3:4J4=6D�E96C6�2C6�8C62E6C�?665D�7@C�D276�3:4J4=6�C:5:?8��.6�2C6�>2<:?8

677@CED�E@�AC6G6?E�3:4J4=6�244:56?ED�3J�AC@G:5:?8�:?7@C>2E:@?�C6BF:C65�7@C�2�D276�3:4J4=6�=:76�:?4=F5:?8�CF=6D�7@C�C:5:?8�2

3:4J4=6�2?5�<?@H�9@H�7@C�3:4J4=6�>2:?E6?2?46�2D�H6==�2D�2AA=:42E:@?D�2?5�E@@=D�=625:?8�E@�D276�3:4J4=6�C:5:?8�

**FF>>22����@@����??DD99::??����JJ44==66����$$** ��

��.96?�E96�4J4=:DE�D�DA665�6I4665D�E96�AC6D6E�DA665�E96�2AA=:42E:@?�?@E:7:6D�E96C:56C�H:E9�2�D@F?5�@C�G:3C2E:@?���#@42E:?8�3:4J4=6�D9@AD�H:E9�2�3:4J4=6�D276EJ�>6492?:4�DFAA@CE�7@C�:?DA64E:@?2?5�>2:?E6?2?46��%2G:82E:@?�7@C�2AAC@AC:2E6�24E:@?D�E@�E2<6�:?�42D6�@7�2?�244:56?E�@C�E967E���E�E96�6?5�@7�2�EC:A�:E�D9@HD�@?�2�8C2A9�E96�EC2G6=�5:DE2?46�?F>36C�@7�E:>6D�E96AC6D6E�DA665�H2D�6I466565�2?5�42=@C:6D�3FC?65

''@@CCEE2233==66��4422CC55��77@@CC��33::44JJ44==66��FFDD66CCDD��$$** ��

���FD:?6DD�42C5�D:K65�A@CE23=6�42C5�D9@H:?8�2�4@?E24E�:?7@C>2E:@?�@7�E96�42C59@=56C�:?�42D6�@7�4@>>F?:42E:@?�5:77:4F=EJ�5F6�E@�2?�244:56?E�2�3:4J4=6>2:?E6?2?46�4964<�=:DE�2?5�24E:@?D�E@�36�E2<6?�H96?�2?�244:56?E�@44FCD�

**227766��33::44JJ44==66��CC::55::??88��DD66>>::??22CC����$$** ���� �� ??EE66CC))::DD<<��))66DD6622CC4499�� ??DDEE::EEFFEE66������@@??DDFF==EE::??88��

��*276�3:4J4=6�C:5:?8�D6>:?2C�AC@G:565�3J� ?E6C):D<�)6D62C49� ?DE:EFE6����@?DF=E:?8���@>AC696?D:G6�D6>:?2C�4@G6C:?8�2�H:56�C2?86�@7�E@A:4D�7C@>�6?G:C@?>6?EDDFCC@F?5:?8�3:4J4=6D�E@�E96�C62=:EJ�@7�244:56?ED�2?5�<6J�A@:?ED�7@C�D276�C:5:?8��)6?E2=�@7��-��6IA=2:?:?8�<6J�A@:?ED�7@C�D276�3:4J4=6�C:5:?8

ここ

Contributing to Resolution of Social Issues through the Business > Accident Prevention, Disaster Prevention and Mitigation

100

�E�E96�DJ>A@D:F>

''CC@@GG::DD::@@??��@@77�� ??77@@CC>>22EE::@@??��@@??����::DD22DDEE66CC��''CC66GG66??EE::@@??��22??55��$$::EE::8822EE::@@??

&?�:ED�@77:4:2=�H63D:E6��9EEA� HHH�>D�:?D�4@> DA64:2=��$* �AC@G:56D�EH@�A:646D�@7�4@?E6?E�C682C5:?8�5:D2DE6C�AC6G6?E:@?

2?5�>:E:82E:@?���"?@H�2?5�'C6A2C6��:D2DE6C�$62DFC6D��2?5���5G:46�7@C��>6C86?4J�'C24E:46���)646?E=J�>2?J�=2C86�D42=6

?2EFC2=�5:D2DE6CD�92G6�@44FCC65�:?4=F5:?8�E96�"F>2>@E@��2CE9BF2<6D�2?5�:E�:D�:>A@CE2?E�E@�H@C<�@?�4@?E:?F@FD�5:D2DE6C

AC6G6?E:@?�2?5�>:E:82E:@?�H:E9@FE�7@C86EE:?8�E96�6IA6C:6?46�@7�DF49�5:D2DE6CD�� ?�@C56C�E@�4@?EC:3FE6�E@�DF49�677@CE�E96D6

A:646D�@7�4@?E6?E�2C6�AC@G:565�E@�H:56=J�5:DD6>:?2E6�:?7@C>2E:@?�@?�5:D2DE6C�AC6G6?E:@?�2?5�>:E:82E:@?�E@�>2?J�A6@A=6

C682C5=6DD�@7�E96:C�286�32D65�@?�E96�4@?46AE�@7��7C:6?5=J�:?�?@C>2=�E:>6D�C6=:23=6�:?�2?�6>6C86?4J���$* �H:==�4@?E:?F6

H@C<:?8�@?�3F:=5:?8�2�D276�2?5�D64FC6�D@4:6EJ�E92E�:D�C6D:=:6?E�E@�5:D2DE6CD�E9C@F89�E96�AC@G:D:@?�@7�AC@5F4ED D6CG:46D�E92E

=6G6C286�:ED�<?@H�9@H�:?�5:D2DE6C�AC6G6?E:@?�2?5�>:E:82E:@?�2D�H6==�2D�G2C:@FD�@E96C�EJA6D�@7�:?7@C>2E:@?�

��7777@@CCEE��77@@CC����::889966CC����HH22CC66??66DDDD��@@77����::DD22DDEE66CC��''CC66GG66??EE::@@??

?��F8FDE������E96�$*���� ?DFC2?46��C@FA�96=5�E96�DJ>A@D:F>��+@H?

�F:=5:?8�7@C��:D2DE6C�'C6G6?E:@?�2?5�$:E:82E:@?��@?D:56C65��2D65�@?�E96

�@G6C?>6?E�'C:G2E6�'2CE?6CD9:A���@H�E@�'C6A2C6�7@C�#2C86�*42=6�.2E6C

�:D2DE6CD��:?�E96��:CDE�%2E:@?2=�$66E:?8�7@C�'C@>@E:@?�@7��:D2DE6C

'C6G6?E:@?�9@DE65�3J�E96��23:?6E�&77:46�2E�E96�,?:G6CD:EJ�@7�+@<J@��+9:D

6G6?E�2:>D�E@�:>AC@G6�6G6CJ@?6�D�2H2C6?6DD�@7�5:D2DE6C�AC6G6?E:@?�� ?

E9:D�DJ>A@D:F>�E96�A2CE:4:A2?ED�5:D4FDD65�E96�4C62E:@?�@7�2�E@H?

AC6A2C65�7@C�H2E6C�5:D2DE6CD�7C@>�E96�A6CDA64E:G6�@7�2�8@G6C?>6?E�

AC:G2E6�A2CE?6CD9:A�E9C@F89�DA66496D�2?5�A2?6=�5:D4FDD:@?�3J�AC@76DD:@?2=D��+9:D�H2D�2?�@AA@CEF?:EJ�E@�H:56=J

5:DD6>:?2E6�:?7@C>2E:@?�@?�5:D2DE6C�AC6G6?E:@?�2?5�>:E:82E:@?�

ここ

Contributing to Resolution of Social Issues through the Business > Accident Prevention, Disaster Prevention and Mitigation

101

�&?6�52J� ?DFC2?46��=@8@

#@8@�2?5�)6A@CE

))6655FF44::??88��EE9966����44@@??@@>>::44����FFCC5566??��..9966??��))::DD<<DD����6644@@>>66��))6622==

��FFEE@@>>@@33::==66�� ??DDFFCC22??4466��77@@CC��������22JJ

$* �2?5��� �92G6�AC@G:565�&?6�52J� ?DFC2?46��$* ��2?5�&?6�52J

*FAA@CE6C���� ���'6@A=6�H9@�5@�?@E�@H?�2�42C�42?�3FJ�E96�:?DFC2?46�7@C

@?6�52J�H96?�E96J�5C:G6�2�3@CC@H65�42C��.6�H:==�4@?E:?F6�56G6=@A:?8

AC@5F4ED�2?5�D6CG:46D�E92E�4@?EC:3FE6�E@�D276EJ�2?5�D64FC:EJ�3J�C65F4:?8

244:56?ED�42FD65�3J�F?:?DFC65�42CD�

��FFEE@@>>@@33::==66��))::DD<<��$$22??228866>>66??EE��**66CCGG::4466DD��EE@@����@@CCAA@@CC22EE66����FFDDEE@@>>66CCDD

$* ��� �2?5� ?E6C):D<�)6D62C49� ?DE:EFE6����@?DF=E:?8�AC@G:56�E@�4@CA@C2E6�4FDE@>6CD�G2C:@FD�67764E:G6�AC@8C2>D�2?5

D@=FE:@?D�E@�AC6G6?E�2?5�564C62D6�244:56?ED�

.6�:?G:E6�2FE@>@3:=6�EC2?DA@CE2E:@?�3FD:?6DD�@A6C2E@CD�E@�E96��+C2?DA@CE�*276EJ�$2?286>6?E�*6>:?2C���46CE:7:42E:@?

D6>:?2C��7@C�H9:49� ?E6C):D<�)6D62C49� ?DE:EFE6����@?DF=E:?8�H2D�46CE:7:65�3J�E96�$:?:DECJ�@7�#2?5� ?7C2DECF4EFC6�2?5

+C2?DA@CE�2D�2?�:>A=6>6?E:?8�286?4J��,A�E@�$2C49������E96�D6>:?2C�92D�366?�96=5�����E:>6D�H:E9������A2CE:4:A2?ED�

�FE@>@3:=6�):D<�$2?286>6?E�*6CG:46D��!2A2?6D6�@?=J�

��FFEE@@>>@@33::==66�� ??DDFFCC22??4466��,,EE::==::KK::??88��++66==66>>22EE::44DD��++664499??@@==@@88JJ

.6�H@C<�@?�5:D4@F?E:?8�:?DFC2?46�AC6>:F>D�@C�DFAA@CE:?8�D276�5C:G:?8�@7�4@CA@C2E6�6>A=@J66D�32D65�@?�:?5:G:5F2=�5C:G:?8

:?7@C>2E:@?�4@==64E65�3J�FD:?8�E6=6>2E:4D�E649?@=@8J�H9:49�4@>3:?6D�E6=64@>>F?:42E:@?�2?5�:?7@C>2E:4D�

��**FF>>22��%%22GG::��

$* �92D�366?�@776C:?8��*F>2�%2G:��2�D6CG:46�DFAA@CE:?8�D276�5C:G:?8

:?:E:2E:G6D���*F>2�%2G:��:D�2�D6CG:46�E@�DFAA@CE�4@>A2?:6D�:?�D276�5C:G:?8

FD:?8�E6=6>2E:4D�E649?@=@8J��+96�D6CG:46�AC@G:56D�6>A=@J66D�@7�2�4@>A2?J

H:E9�5C:G:?8�23:=:EJ�E6DED�E9C@F89�2�D>2CEA9@?6�2AA=:42E:@?�2?5�AC@G:56D

>2?286CD�@7�E96�4@>A2?J�H:E9�2�DF>>2CJ�2?5�2?2=JD:D�@7�E96�E6DE�C6DF=ED

@?�2�565:42E65�H63D:E6�

.6�DE2CE65�@FC���5F42E:@?�$@G:6��6G6=@A>6?E�*6CG:46��H9:49�6?23=6D�2

4@>A2?J�E@�62D:=J�>2<6�2�D276�5C:G:?8�65F42E:@?�>@G:6�@?�E96�H63�FD:?8

>@G:6�4=:AD�@7�52?86C@FD�5C:G:?8�E92E�6>A=@J66D�92G6�24EF2==J�6?4@F?E6C65�

.6�2=D@�=2F?4965���'*�*6CG:46�7@C��@>A2?J�@H?65�-69:4=6D��H9:49�=6ED

2�4@>A2?J�E@�=@42E6�4@>A2?J�@H?65�42CD�

?�255:E:@?�H6�92G6�56G6=@A65�2�D6CG:46�E@�5:D4@F?E�:?DFC2?46�AC6>:F>D�:?�244@C52?46�H:E9�E96�C6DF=E�@7�4@>A2?:6D�

677@CED�E9C@F89�E96D6�D6CG:46D��+9:D�677@CE�?FCEFC6D�D276�5C:G:?8�:?�4@>A2?:6D�H9:=6�C65F4:?8�4@DED�

ここ

Contributing to Resolution of Social Issues through the Business > Accident Prevention, Disaster Prevention and Mitigation

102

#@8@

#@8@

**22DD2266CCFF��%%��--

?��AC:=�������� �=2F?4965��*2D26CF�%2G:��7@C�7=66E�:?DFC2?46

A@=:4J9@=56CD�E@�AC@G:56�36EE6C�D276EJ�2?5�D64FC:EJ�E@�4@>A2?:6D��+9:D�:D�2

AC@8C2>�E92E�4@>3:?6D�E96�*276��C:G:?8��DD:DE2?E�*6CG:46�E92E�FE:=:K6D�2

5C:G:?8�C64@C56C�2?5�@FC�4@>A2?J�D�F?:BF6�*276��C:G:?8��@?DF=E:?8�*6CG:46

32D65�@?�52E2�@?�52?86C@FD�5C:G:?8�4@?EC@=��.6�AC@G:56�C@3FDE�DFAA@CE�7@C

4@>A2?:6D��5C:G:?8�4@?EC@=�DJDE6>�2?5�E96:C�677@CED�7@C�244:56?E�C65F4E:@?

H:E9�E96�AC@8C2>�

��::KK��**227766EEJJ��22��%%66HH==JJ��##22FF??44996655��**66CCGG::4466��77@@CC����FFDD::??66DDDD��&&AA66CC22EE@@CCDD��,,EE::==::KK::??88��++66==66>>22EE::44DD��++664499??@@==@@88JJ

?�!F=J�������� �=2F?4965���:K�*276EJ��2�E6=6>2E:4D�D6CG:46�7@C��3@E9�7=66E�2?5�?@?�7=66E��3FD:?6DD�@A6C2E@CD��+9:D

D6CG:46�FD6D�2�565:42E65�D>2CEA9@?6�2AA=:42E:@?�2?5�2�DA64:2=�56G:46�E@�>66E�@A6C2E@CD��?665D�7@C�ECJ:?8�2�5C:G:?8�4@?EC@=

DJDE6>�2?5�:?DECF4E:@?D�7@C�D276�5C:G:?8�FE:=:K:?8�E6=6>2E:4D�E649?@=@8J�H:E9�>:?:>F>�52E2�4@>>F?:42E:@?�2?5�@E96C�4@DED�

?EC@5F4:?8�E9:D�D6CG:46�6?23=6D�@A6C2E@CD��6>A=@J66D�E@�C64@8?:K6�:?�2�E:>6=J�H2J�E96�DE2EFD�@7�E96:C�@H?�D276�5C:G:?8�2?5

6?23=6D�5C:G:?8�4@?EC@==6CD�E@�5J?2>:42==J�25>:?:DE6C�4@>A2?J�@H?65�G69:4=6D�2?5�46?EC2==J�56E64E�E96�5C:G:?8

492C24E6C:DE:4D�@7�6249�6>A=@J66��+9:D�>2<6D�:E�A@DD:3=6�E@�AC@G:56�6>A=@J66D�H:E9�67764E:G6�2?5�DA64:7:4�:?DECF4E:@?D�@?

5C:G:?8�

++DDFF??228822CCFF����FFEE@@>>@@33::==66�� ??DDFFCC22??4466

�� �=2F?4965�E96�AC@5F4E��+DF?282CF��FE@>@3:=6� ?DFC2?46���+9:D�H@C<D

E@86E96C�H:E9�E96�E6=6>2E:4D�D6CG:46��+��@??64E����56G6=@A65�3J�+@J@E2

$@E@C��@CA@C2E:@?�H9:49�:D�:?DE2==65�:?�42C�?2G:82E:@?�DJDE6>D���J

4@??64E:?8�E96�4FDE@>6C�D�G69:4=6�H:E9��� �E9:D�2FE@>@3:=6�:?DFC2?46

@776CD�4FDE@>6C�D�D276EJ�D64FC:EJ�2?5�2�8@@5�562=�@?�2�@?6�E@�@?6�32D:D�

+@�2DDFC6�4FDE@>6CD�H9@�92G6�?@E�366?�:?G@=G65�:?�2?J�244:56?ED�E92E�:E

H@F=5�DE:==�36�2�8@@5�:562�E@�D:8?�FA�7@C�E9:D�A@=:4J�:?�255:E:@?�E@�56=:G6C:?8�A6246�@7�>:?5�:?�E96�6G6?E�E92E�2?�244:56?E

5@6D�@44FC�677@CED�92G6�2=D@�366?�AFE�:?E@�AC6G6?E:G6�D276EJ�E9C@F89�E96�FE:=:K2E:@?�@7�G69:4=6�@A6C2E:@?�:?7@C>2E:@?�

���+��@??64E�%2G:82E:@?�:D�2�+@J@E2�4@??64E:@?�D6CG:46�E92E�AC@G:56D�D276�D64FC6�2?5�4@>7@CE23=6�D6CG:46D�3J

4@??64E:?8�E@�4@>>F?:42E:@?�D6CG:46D�

��66GG66==@@AA>>66??EE��@@77��++66==66>>22EE::44DD����FFEE@@>>@@33::==66�� ??DDFFCC22??4466��))6677==6644EE::??88����CC::GG::??88����669922GG::@@CC

�� �56G6=@A65�E96�7:CDE�2FE@>@3:=6�:?DFC2?46�AC@5F4E�:?�!2A2?�H9@D6�>@?E9=J�:?DFC2?46�AC6>:F>D�C67=64E�5C:G:?8�3692G:@C

56E64E65�3J�E6=6>2E:4D�E649?@=@8J��+9C@F89�E96�5C:G:?8�3692G:@C�5:D4@F?E�4FDE@>6CD�42?�6?;@J�=@H6C�:?DFC2?46�AC6>:F>D

32D65�@?�>@?E9=J�5C:G:?8�5:DE2?46�2?5�5C:G:?8�3692G:@C��+9:D�AC@5F4E�2=D@�AC@G:56D�G2=F6�25565�E@�244:56?E�7C66

4FDE@>6CD�3J�FD:?8�E96�*276��C:G:?8��:28?@D:D�*6CG:46�FE:=:K:?8�E6=6>2E:4D�E649?@=@8J�

ここ

Contributing to Resolution of Social Issues through the Business > Accident Prevention, Disaster Prevention and Mitigation

103

++66==66>>22EE::44DD��$$@@??::EE@@CC��**JJDDEE66>>

�� �92D�366?�AC@G:5:?8�EC:2=�D6CG:46�FE:=:K:?8�D>2CEA9@?6D��E6=6>2E:4D�>@?:E@C�DJDE6>��96C6:?27E6C��>@?:E@C�DJDE6>���

D:?46�!2?F2CJ�������+9:D�H2D�42CC:65�@FE�:?�4@==23@C2E:@?�H:E9��2>3C:586�$@3:=6�+6=6>2E:4D� ?4��:?�E96�,?:E65�*E2E6D�E@

4@?D:56C�AC@G:5:?8�AC@5F4ED�2?5�D6CG:46D�FE:=:K:?8�E6=6>2E:4D�E649?@=@8J�

+9:D�>@?:E@C�DJDE6>�H:==�AC@G:56�2�D6CG:46�DF49�2D�D276�5C:G:?8�5:28?@D:D�FE:=:K:?8�@?3@2C5�56G:46�2?5�D>2CEA9@?6

565:42E65�2AA=:42E:@?��-:DF2=��C:G6��@?�2�EC:2=�32D:D�7@C�2�46CE2:?�A6C:@5�7@C�42C�:?DFC2?46�DF3D4C:36CD�

?�$2J�������� �2=D@�DE2CE65�AC@G:5:?8��244:56?E�6>6C86?4J�2FE@>2E:4�?@E:7:42E:@?�D6CG:46���+9:D�D6CG:46�:D�E@�>2<6�2

D276EJ�4@?7:C>2E:@?�42==�E@�2�4FDE@>6C�D�E6=6A9@?6�?F>36C�32D65�@?�:?7@C>2E:@?�2FE@>2E:42==J�C6A@CE65�E@�E96�4@>A2?J

H96?�2?�:?�G69:4=6�56G:46�56E64ED�2�=2C86�:>A24E�5F6�E@�2?�244:56?E��+96�565:42E65�@A6C2E@C�@7�E96�42==�46?E6C�H:==�25G:D6

4FDE@>6CD�H9@�2C6�:?�EC@F3=6�5F6�E@�244:56?ED�6E4��@?�2����9@FC�����52J�32D:D�

��4444::5566??EE��$$::EE::8822EE::@@??��**FFAAAA@@CCEE��**66CCGG::4466��77@@CC����@@CCAA@@CC22EE::@@??DD����++9922::==22??55��

*:?46��F8FDE�������:@:��2?8<@<� ?DFC2?46�'�#���� ��E96�+92:�DF3D:5:2CJ�@7��� �92D�366?�56G6=@A:?8�2?5�AC@G:5:?8�2?

244:56?E�>:E:82E:@?�DFAA@CE�D6CG:46�7@C�4@CA@C2E:@?D�FE:=:K:?8�E6=6>2E:4D�E649?@=@8J�� E�92D�5@?6�D@�:?�4@@A6C2E:@?�H:E9

+92:�/2K2<:�%6EH@C<�*6CG:46��@��#E5���+/%*��E96�+92:�DF3D:5:2CJ�@7�/2K2<:��?6C8J�*JDE6>�@7�/2K2<:��C@FA��+9:D�:D�2

D276�5C:G:?8�4@?DF=E:?8�D6CG:46�����FD:?8�+/%*�D�4FEE:?8�6586�4@>>F?:42E:@?�EJA6�5:8:E2=�E249@8C2A9��D6CG:46�?2>6�

:(D2?������E@�AC@G:56�36EE6C�D276EJ�2?5�D64FC:EJ�:?�4@>A2?:6D��244:56?E�>:E:82E:@?�677@CED��+2<:?8�25G2?E286�@7�E96

:?EC@5F4E:@?�@7�E9:D�D6CG:46�H6�H:==�4@?EC:3FE6�E@�2�D64FC6�2?5�D276�C@25�EC277:4�D@4:6EJ�:?�+92:=2?5�H9:=6�DFAA@CE:?8�E96

H:56�25@AE:@?�@7�:(D2?�2?5�D276�5C:G:?8�677@CED�@7�4@>A2?:6D�

����:(D2?����+96�AC@5F4E�?2>6�@7�2�4=@F5�32D65�5:8:E2=�E249@8C2A9�56G6=@A65�7@C�E96��*��%�C68:@?�:?�H9:49�H:56�2C62

4@>>F?:42E:@?�42A23:=:E:6D�2C6�6>365565�� E�:D�AC@?@F?465�� <<JF�D2?���+96�!2A2?6D6�2?:>2E:@?�� <<JF�D2?��:D�G6CJ

A@AF=2C�:?�+92:=2?5�H9:49�:D�2��F559:DE�4@F?ECJ�2?5�E9:D�AC@5F4E�?2>6�:D�56C:G65�7C@>�E96�:>286�@7� <<JF�D2?�D

:?E6==:86?46�

����+96�D276�5C:G:?8�4@?DF=E:?8�D6CG:46�:D�AC@G:565�3J� ?E6C):D<��D:2��+92:=2?5���@��#E5��E96�+92:�DF3D:5:2CJ�@7� ?E6C):D<

)6D62C49� ?DE:EFE6����@?DF=E:?8�@7�E96�$*���� ?DFC2?46��C@FA�

��::44JJ44==66�� ??DDFFCC22??4466����%%66EE��5566����@@<<66??����JJ44==66��������JJ44==66������������JJ44==66����66DDEE��

.:E9�2�4@FCE�564:D:@?�42==:?8�7@C�962GJ�C6A2C2E:@?D�7@C�3:4J4=6�244:56?ED�2?5�E96�EC6?5�@7�=@42=�8@G6C?>6?ED�6?24E:?8�2?

@C5:?2?46�E@�6?4@FC286�:?DFC2?46�A@=:4:6D�D@4:2=�?665D�7@C�3FJ:?8�:?DFC2?46�A@=:4:6D�2AA62C�E@�36�C2A:5=J�:?4C62D:?8�� ?

C6DA@?D6�E@�DF49�?665D�E96�$*���� ?DFC2?46��C@FA�D6==D�:?DFC2?46�7@C�3:4J4=6D�E9C@F89�:ED�3FD:?6DD�4@>A2?:6D�

$* �D6==D��%6E�56��@<6?��J4=6��H9@D6�AC@465FC6D�42?�36�4@>A=6E65�@?=:?6�D@�4FDE@>6CD�42?�62D:=J�3FJ�:?DFC2?46

A@=:4:6D��+9:D�:D�2�AC@5F4E�E@�AC@G:56�DF77:4:6?E=J�=2C86�4@G6C286�H:E9�2?�277@C523=6�=6G6=�@7�:?DFC2?46�AC6>:F>D�

2F� ?DFC2?46�D6==D���J4=6����J4=6��6DE��2?5���J4=6�*���+96J�@776C�C62DDFC:?8�2?5�256BF2E6�EC@F3=6�DFAA@CE�2=D@�7@C

6G6?ED�@E96C�E92?�244:56?ED�

.6�H:==�4@?E:?F6�AC@G:5:?8�AC@5F4ED�2?5�D6CG:46D�E@�>66E�4FDE@>6C�?665D�2D�H6�2:>�E@�96=A�4C62E6�2�D276�2?5�D64FC6

3:4J4=6�D@4:6EJ�

**AACC662255::??88����22CCEE99BBFF22<<66�� ??DDFFCC22??4466

�2D65�@?�E96���4E�7@C��2CE9BF2<6� ?DFC2?46��62CE9BF2<6�:?DFC2?46�:D�>2?2865�3J�3@E9�8@G6C?>6?E�2?5�E96�?@?�=:76

:?DFC2?46�4@>A2?:6D�2?5�2:>D�E@�4@?EC:3FE6�E@�C63F:=5:?8�E96�DE23:=:EJ�@7�5:D2DE6C�G:4E:>D��=:G6D��+96�?665D�@7�62CE9BF2<6

:?DFC2?46�92G6�366?�:?4C62D:?8�D:?46�E96��C62E��2DE�!2A2?��2CE9BF2<6�2?5�E96������"F>2>@E@��2CE9BF2<6��$* �2?5���

C65:D4@G6C65�E96�:>A@CE2?46�@7�4FDE@>6CD�F?56CDE2?5:?8�E96�?646DD:EJ�2?5�E96�4@?E6?ED�@7�62CE9BF2<6�:?DFC2?46

4@CC64E=J���@C�>2?J�A6@A=6�E@�86E�62CE9BF2<6�:?DFC2?46�H6�2C6�@776C:?8�25G:46�23@FE�62CE9BF2<6�C:D<D�E@�@FC�4FDE@>6CD�

ここ

Contributing to Resolution of Social Issues through the Business > Accident Prevention, Disaster Prevention and Mitigation

104

����::DD22DDEE66CC��%%22GG::8822EE::@@??������6622EEFFCC66��@@??��**>>22CCEEAA99@@??66��**66CCGG::4466

$* �92D�:?4=F565���:D2DE6C�%2G:82E:@?��762EFC6�@?�:ED�D>2CEA9@?6�D6CG:46�FD67F=�:?�42D6�@7�5:D2DE6C�2?5�25G2?46�677@CED

E@�DFAA@CE�D276�2?5�D64FC6�24E:@?D�5FC:?8�2�=2C86�D42=6�?2EFC2=�5:D2DE6C�

��::DD22DDEE66CC%%22GG::8822EE::@@??

Q�:C64E:@?D�E@�56D:8?2E65�D96=E6CD�@7�=@42=�8@G6C?>6?ED�24C@DD�!2A2?�FD:?8��'*�@C�42>6C2Q��D276EJ�:?7@C>2E:@?�C68:DEC2E:@?�2?5�G6C:7:42E:@?�7F?4E:@?Q��5:D2DE6C�AC6G6?E:@?�:?7@C>2E:@?�7F?4E:@?�E92E�AC@G:56D�C62=�E:>6�?@E:7:42E:@?D�@7�5:D2DE6C:?7@C>2E:@?�5:DD6>:?2E65�3J�8@G6C?>6?E�>:?:DEC:6D�2?5�>F?:4:A2=:E:6D�2D�H6==�2D�2�4@==64E:@?�@7<?@H�9@H�7@C�5:D2DE6CD�E92E�AC@G:56D�7C66�E:AD�E92E�42?�36�FD67F=�5FC:?8�2�5:D2DE6CQ��D6CG:46�E92E�:D�2G2:=23=6�?@E�@?=J�E@�:?DFC2?46�A@=:4J9@=56CD�3FE�E@�6G6CJ@?6Q*FAA@CE:?8�7@C6:8?�=2?8F286D���?8=:D9��9:?6D6�2?5�"@C62?�

��22CCEE99BBFF22<<66���� >>22��@@<<@@��**66CCGG::4466

��*6CG:46�AC@G:565�E9C@F89�2�565:42E65�2AA=:42E:@?�@7���"�*F>2:?@��@<6?��C2?5��H9:49�H2D�7F==J=2F?4965�:?��AC:=��������F?4E:@?�E@�2FE@>2E:42==J�=@42E6�AC6�C68:DE6C65�72>:=J�>6>36CD�2?5�D92C6�E96�=@42E:@?�3J�AFD9?@E:7:42E:@?�H96?�2?��2CE9BF2<6��2C=J�.2C?:?8�H2D�:DDF65���F?4E:@?�E@�4@?7:C>�E96�=@42E:@?�@7�AC64:@FD�72>:=J�>6>36CD�@C�D92C6�E96:C�D276EJ�:?7@C>2E:@?6G6?�H96?�E96�A9@?6�42==�:D�5:77:4F=E�E@�36�4@??64E65�C:89E�27E6C�2?�62CE9BF2<6��*6CG:46�7@C�4FDE@>6CD�H9@�DF3D4C:36�E@�A6CD@?2=�7:C6�:?DFC2?46���"�*F>2:?@��@<6?��C2?5�

**FFAAAA@@CCEE::??88����22CC==JJ��))6644@@GG66CCJJ��77CC@@>>����::DD22DDEE66CCDD

?E6C):D<�)6D62C49� ?DE:EFE6����@?DF=E:?8�92D�96=A65�=@42=�8@G6C?>6?ED�E@�:?EC@5F46�E96�*JDE6>�7@C�*FAA@CE:?8

)6DECF4EFC:?8�@7�E96�#:G6=:9@@5�@7��:D2DE6C�-:4E:>D�:?�2?�:?5FDEC:2=�2?5�24256>:4�4@==23@C2E:@?�H:E9�%::82E2�,?:G6CD:EJ

*9:KF@<2�,?:G6CD:EJ�E96�%2E:@?2=�)6D62C49� ?DE:EFE6�7@C��2CE9�*4:6?46�2?5��:D2DE6C�)6D:=:6?46�2?5�@E96CD��+9:D�DJDE6>

AC@G:56D�4@>AC696?D:G6�DFAA@CE�E@�=@42=�8@G6C?>6?ED�E@�96=A�5:D2DE6C�G:4E:>D�C6DECF4EFC6�E96:C�=:G6D�:?4=F5:?8�:DDF2?46

@7��:D2DE6C�-:4E:>��6CE:7:42E6D�2?5�E9FD�4@?EC:3FE6D�E@�AFEE:?8�E96:C�=:G6D�324<�:?�@C56C�2D�D@@?�2D�A@DD:3=6�� ?�E96�H2<6

@7�E96�"F>2>@E@��2CE9BF2<6�:?��AC:=������H6�DFAA@CE65�E96�56G6=@A>6?E�@7�2�DJDE6>�7@C�:DDF2?46�@7�5:D2DE6C�G:4E:>

46CE:7:42E6D�

N*JDE6>�7@C�*FAA@CE:?8�)6DECF4EFC:?8�@7�E96�#:G6=:9@@5�@7��:D2DE6C�-:4E:>DO

ここ

Contributing to Resolution of Social Issues through the Business > Accident Prevention, Disaster Prevention and Mitigation

105

��22EE��33@@??55DD����4422EE22DDEECC@@AA9966��33@@??55DD����::DDDDFF22??4466��DDFFAAAA@@CCEE��DD66CCGG::4466DD

$* �AC@G:56D�D6CG:46D�E92E�DFAA@CE�:DDF2?46�@7��2E�3@?5D����7@C�4FDE@>6CD�DF49�2D�:?7C2DECF4EFC6�C6=2E65�4@>A2?:6D�2?5

>2?F724EFC6CD�H:E9�=2C86�AC@5F4E:@?�32D6D�

?�C646?E�J62CD�E96�@44FCC6?46�@7�>2;@C�62CE9BF2<6D�@C�E96�AC@8C6DD�@7�4=:>2E6�492?86�92G6�=65�E@�:?4C62D6�:?

4FDE@>6CD��56>2?5D�7@C�AC6A2C:?8�2�=2C86�D42=6�?2EFC2=�5:D2DE6C�C:D<��.6�92G6�564:565�E@�=2F?49�E9:D�D6CG:46�:?�C6DA@?D6

E@�DF49�56>2?5D�

+96�D6CG:46�H:==�C65F46�4FDE@>6CDM�3FC56?�@7�4F>36CD@>6�25>:?:DEC2E:G6�AC@465FC6D�2DD@4:2E65�H:E9��2E�3@?5D�:DDF2?46

2D�H6==�2D�C62=:K6�4FDE@>6CDM�5:G6CD:7:42E:@?�@7�9658:?8�>6E9@5D�7@C�42E2DEC@A96�C:D<D�E9C@F89�@FC�25G:46�@?�D6EE:?8

@AE:>2=�:DDF2?46�4@?5:E:@?D�6E4�

������2E�3@?5�:D�2�>6492?:D>�H9:49�EC2?D76CD�42E2DEC@A96�C:D<D�DF49�2D�62CE9BF2<6D�@C�EJA9@@?D�7C@>�@?6�A2CEJ�E@

:?G6DE@CD�:?�E96�42A:E2=�>2C<6ED���D�=@?8�2D�?@�5:D2DE6C�6I4665:?8�2�AC656E6C>:?65�E9C6D9@=5�@44FCD�:?G6DE@CD���2E�3@?5

AFC492D6CD��C646:G6�4@FA@?D�A6C:@5:42==J�2?5�92G6�AC:?4:A2=�C6A2:5�2E�>2EFC:EJ���@H6G6C�:?�E96�6G6?E�E92E�2�5:D2DE6C

6I4665:?8�DF49�E9C6D9@=5�@44FCD�E96�AC:?4:A2=�E@�36�C6A2:5�E@�:?G6DE@CD�:D�C65F465�A2CE:2==J�@C�6?E:C6=J�D@�E92E�:E�:D�FD65

E@�4@>A6?D2E6�4FDE@>6CD�7@C�E96:C�=@DD6D�

��@@>>AACC669966??DD::GG66����FFDD::??66DDDD����@@DDEE ''CC@@77::EE�� ??DDFFCC22??4466����))::5566CC��&&??==JJ��EE@@����@@GG66CC��**AA6644::77::44����22CCEE99BBFF22<<66��))::DD<<DD��

*:?46�!F=J�������� �92D�366?�AC@G:5:?8�2�AC@5F4E�E@�4@G6C�=@DD�@7�AC@7:ED�42FD65�3J�3FD:?6DD�:?E6CCFAE:@?�5F6�E@�2�=2C86

62CE9BF2<6��+96�2:>�:D�E@�>66E�:?4C62D:?8�?665D�7@C�>62DFC6D�282:?DE�62CE9BF2<6�C:D<D�7@==@H:?8�E96�C646?E�@44FCC6?46�@7

=2C86�62CE9BF2<6D�2?5�E96�8@G6C?>6?E�2??@F?46>6?E�C682C5:?8�E96�AC65:4E:@?�@7�8C@F?5�>@E:@?��.6�H:==�4@?E:?F6

AC@G:5:?8�AC@5F4ED�2?5�D6CG:46D�E@�DFAA@CE�62C=J�C64@G6CJ�7C@>�5:D2DE6CD�

ここ

Contributing to Resolution of Social Issues through the Business > Accident Prevention, Disaster Prevention and Mitigation

106

H$4>6� ,9,20809?�1:=

#=0A09?4:9�:1�!,?@=,7

�4>,>?0=��,8,20

H$4>6� ,9,20809?�1:=

�:9>0=A,?4:9�,9/�'?474E,?4:9

:1�!,?@=,7��,;4?,7

H%@;;:=?492�?30��93,9.0809?

:1��9A4=:9809?,7��114.409.D

,9/�'>0�:1�%@>?,49,-70

$0>:@=.0>

H�91:=8,?4:9�&=,9>84>>4:9

$07,?0/�?:�!,?@=,7��4>,>?0=>

H#=:A4/492�#=:/@.?>�,9/

%0=A4.0>�?:�%@;;:=?

0,>@=0>�,2,49>?��748,?0

�3,920

H#=:A4/492�#=:/@.?>�,9/

%0=A4.0>�?3,?��0,/>�?:

�748,?0��3,920� 4?42,?4:9

"92:492�.748,?0�.3,920�3,>�-009�.,@>492�9,?@=,7�/4>,>?0=>�?:�2=:B�49�1=0<@09.D�,9/�8,294?@/0�,=:@9/�?30

B:=7/��>�,�=0>@7?��3@8,94?D�4>�9:B�0C;:>0/�?:�,�=4>492�=4>6�:1�09.:@9?0=492�/4>,>?0=�:1�,9�@9;=0.0/09?0/�>.,70

�9�,//4?4:9�?:�?30�;:?09?4,7�:..@==09.0�:1�>@.3�,�8,5:=�/4>,>?0=��0A09�,�8:/0=,?0�;,.0�:1�.748,?0�.3,920�B:@7/

@9/0=8490�?30�>?,-474?D�:1�.:=;:=,?0�-@>490>>�,.?4A4?40>�,9/�?30�/,47D�74A0>�:1�.4?4E09>��?3@>�-=492492�,-:@?

;3D>4.,7�,9/�149,9.4,7�7:>>0>��748,?0�.3,92049/@.0/�9,?@=,7�/4>,>?0=>�,=0�3@20�=4>6�1,.492�9,?4:9>�,.=:>>�?30

27:-0��>�,9�49>@=,9.0�.:8;,9D��?30=0�4>�,�>0=4:@>�.:9.0=9�,-:@?�,�;:?09?4,7�>.09,=4:�49�B34.3�2=:B492

-09014?�.7,48�;,D809?>�0=:/0�?30�27:-,7�49>@=,9.0�>D>?08��B34.3�3,>�.7:>0�=07,?4:9�B4?3�?30>0�=4>6

�7?3:@23�@9,-70�?:�=0,/47D�3,7?�.748,?0�.3,920��49>@=,9.0�.:8;,940>�8@>?�?,60�=07,?0/�80,>@=0>�49�;=0;,=,?4:9

1:=�8:@9?492�=4>6�&30� %�����9>@=,9.0��=:@;�B477�.:9?49@0�?:�/074A0=�>0.@=4?D�,9/�>,10?D�?:�7:.,7�.:88@94?40>

-D�;=:A4/492�>@114.409?�70A07>�:1�;=:?0.?4:9�-D�?30�@>0�:1�=049>@=,9.0�,9/�:?30=�A,=4:@>�80,9>�1:=�7:>>0>�1=:8�,

8,5:=�/4>,>?0=� :=0:A0=��B0�B477�.:9?49@0�?:�1@=?30=�,/,;?�?:�.748,?0�.3,920�-D�;=:A4/492�,;;=:;=4,?0�>0=A4.0>

/0>4290/�?:�;=0A09?�:=�=0/@.0�/,8,20�,9/�7:>>0>�:1�.@>?:80=>�B34.3�4>�.,@>0/�-D�.748,?0�.3,92049/@.0/

B0,?30=�/4>,>?0=��?�?30�>,80�?480��?3=:@23�4?>�49>@=,9.0�,9/�.:9>@7?492�>0=A4.0>��?30� %�����9>@=,9.0��=:@;

B477�>@;;:=?�90B�-@>490>>0>�>0=A492�?:�84?42,?0�.748,?0�.3,920

,,55::==��$$00>>@@77??>>��4499����44>>..,,77������ ��

��00AA0077::;;880099??��::11��!!00BB��$$44>>66

��>>>>00>>>>880099??��%%DD>>??0088

##==00//44..??449922����77:::://����,,88,,2200

##==::AA44//449922����7700==??449922��%%00==AA44..00��::11

))00,,??3300==����9911::==88,,??44::99

%%007777449922��))00,,??3300==����00==44AA,,??44AA00>>

��77::--,,7777DD

��@@>>449900>>>>��::11�� %%������

ここ

Contributing to Resolution of Social Issues through the Business > Response to Climate Change

107

��//0099??4411DD449922��$$44>>66>>��,,99//��##==::AA44//449922����9911::==88,,??44::99��::99��$$44>>66>>

$$44>>66�� ,,99,,2200880099??��11::==��##==00AA0099??44::99��::11��!!,,??@@==,,77����44>>,,>>??00==����,,88,,2200

�@0�?:�.748,?0�.3,920�,>>:.4,?0/�B4?3�27:-,7�B,=8492��9,?@=,7�/4>,>?0=>�3,A0�:..@==0/�1=0<@09?7D�,=:@9/�?30�B:=7/�,9/

.,@>0/�?=0809/:@>�/,8,20�&30� %�����9>@=,9.0��=:@;�3,>�:110=0/�80,>@=0>�?:�84?42,?0�=4>6>�-,>0/�:9�/0?,470/�=4>6

,9,7D>4>�,9/�=0>0,=.3�-D�@?474E492�9,?@=,7�/4>,>?0=�=4>6�8:/07>�/0A07:;0/�-D��9?0=$4>6�$0>0,=.3��9>?4?@?0����:9>@7?492

!!00BB��==44>>66��,,>>>>00>>>>880099??��>>DD>>??0088��;;==00//44..??449922��1177:::://��//,,88,,2200

�9� ,D��� �� %��,9/�����:1�?30� %�����9>@=,9.0��=:@;�/0A07:;0/�,�90B�=4>6�,>>0>>809?�>D>?08�?:�;=0/4.?�17::/

/,8,20��F90B�17::/�8:/07G��49�.:77,-:=,?4:9�B4?3��9?0=$4>6�$0>0,=.3��9>?4?@?0����:9>@7?492���9.�,9/�,�8,5:=�'%�;=:A4/0=

:1�.,?,>?=:;30�=4>6�8:/07492�>:1?B,=0�&30�90B�17::/�8:/07�8,60>�4?�;:>>4-70�?:�;=0/4.?�17::/�/,8,20�.,@>0/�-D�>0,>:9,7

=,49�1=:9?>�,9/�?:==09?4,7�=,49�,>�B077�49�,//4?4:9�?:�.,@>0/�-D�?D;3::9>��@=?30=8:=0��4?�4>�.,;,-70�:1�;=0/4.?492�9:?�:97D

?30�/,8,20�:1�17::/492�=4A0=>�-@?�,7>:�?30�@=-,9�?D;0�:1�17::/492�/,8,20�B30=0�=,49B,?0=�:A0=17:B>�-0.,@>0�:1

49>@114.409?�B,?0=�/=,49,20�,9/�0A09�?30�49?02=,?0/�/,8,20>�/@0�?:�B49/�,9/�17::/�49.7@/492�>?:=8�>@=20>�.,@>0/�-D

?D;3::9>�&30� %�����9>@=,9.0��=:@;�B477�.:9?49@0�?:�48;=:A0�=4>6�8,9,20809?�49�9,?@=,7�/4>,>?0=�,=0,>�,9/�>?=092?309

.:9>@7?492�>0=A4.0>�?3=:@23�?30�@>0�:1�/,8,20�;=0/4.?4:9�8:/07

��,,@@99..33��::11����::99>>@@77??449922��%%00==AA44..00>>��11::==��)),,??00==����44>>,,>>??00==

�9?0=$4>6�$0>0,=.3��9>?4?@?0����:9>@7?492�:1�?30� %�����9>@=,9.0��=:@;�;=:A4/0>�>0=A4.0>�?:�=0/@.0�7:>>�-D�B,?0=

/4>,>?0=

&,=20?492�=4A0=�17::/>��49@9/,?4:9�,9/�3423�?4/0��B0�,9,7DE0�0C;0.?0/�/0;?3��?480�,9/�/,8,20�:1�17::/>�B4?3�,�17::/

49@9/,?4:9�>48@7,?4:9�-,>0/�:9�;@-74.7D�,A,47,-70�8,?0=4,7>�>@.3�,>�3,E,=/�8,;>�,9/�1407/�=0>0,=.3��D�;=:;:>492�-:?3

>:1?B,=0�,9/�3,=/B,=0�80,>@=0>�-,>0/�:9�?3:>0�,9,7D>4>�=0>@7?>��B0�,7>:�>@;;:=?�17::/�=4>6�84?42,?4:9�,9/�?30

/0A07:;809?�,9/�48;=:A0809?�:1�-@>490>>�.:9?49@4?D�8,9,20809?���� ��:1�.:8;,940>

%,8;70�:1�,9,7D>4>�=0>@7?>

$$44>>66�� ,,99,,2200880099??��11::==����::99>>00==AA,,??44::99��,,99//��''??447744EE,,??44::99��::11��!!,,??@@==,,77����,,;;44??,,77

!,?@=,7�-:@9?D�;=:A4/0/�-D�-4:/4A0=>4?D��0.:>D>?08�>0=A4.0>��4>�?30�-,>4>�:1�:@=�74A0>�,9/�-@>490>>�,.?4A4?40>���-@>490>>

8:/07�49�.:9>4/0=,?4:9�:1�-4:/4A0=>4?D�>@;;:=?>�?30�>@>?,49,-474?D�:1�?30�09?4=0�>:.40?D�49.7@/492�.:8;,940>� ��2:,7>�:1�?30

%@>?,49,-70��0A07:;809?��:,7>��%��>���B34.3�B0=0�,/:;?0/�,?�?30�%@>?,49,-70��0A07:;809?�%@884?�49�%0;?08-0=��� ��

.,9�-0�,.340A0/�-D�?30�1:@=�2:,7>�B34.3�4>�=07,?0/�?:�9,?@=,7�.,;4?,7�,9/�,�>?,-70�.748,?0�>D>?08�,>�,�-,>4>�&30� %���

�9>@=,9.0��=:@;�B:=6>�:9�?30�.:9>0=A,?4:9�,9/�@?474E,?4:9�:1�9,?@=,7�.,;4?,7�?:�-@47/�,�>@>?,49,-70�=07,?4:9>34;�-0?B009

9,?@=,7�.,;4?,7�,9/�-@>490>>�,.?4A4?40>

ここ

Contributing to Resolution of Social Issues through the Business > Response to Climate Change

108

��>>>>00>>>>880099??��%%00==AA44..00>>��11::==����88;;,,..??��::11��!!,,??@@==,,77����,,;;44??,,77

�,;,90>0�.:8;,940>�B34.3�.:9/@.?�-@>490>>�27:-,77D�49�;,=?4.@7,=��;=:,.?4A0�/4>.7:>@=0�:1�491:=8,?4:9�,-:@?�?30�48;,.?>

:1�-@>490>>�,.?4A4?40>�:9�9,?@=,7�.,;4?,7�4>�9:B�=0<@4=0/�>:.4,77D��1�?30�;7,990/�-@>490>>�,.?4A4?D�3,>�,�;:>>4-474?D�:1

.,@>492�>@->?,9?4,7�/,8,20�?:�9,?@=,7�.,;4?,7��>@.3�,�-@>490>>�B477�09?,47�,�>@->?,9?4,7�=4>6��:=�>@.3�.:8;,940>���9?0=$4>6

$0>0,=.3��9>?4?@?0����:9>@7?492�4>�;=:A4/492�>0=A4.0>�?:�<@,9?4?,?4A07D�,>>0>>�48;,.?>�:9�9,?@=,7�.,;4?,7

��==440011����>>>>00>>>>880099??��%%00==AA44..00>>��11::==��)),,??00==��$$44>>66>>

�9�49.=0,>492�9@8-0=�:1�,=0,>�,=:@9/�?30�B:=7/�,=0�B4?90>>492�?30�/0;70?4:9�:1�B,?0=�=0>:@=.0>�/@0�?:�.748,?0�.3,920

,9/�;:;@7,?4:9�49.=0,>0�:1�/0A07:;492�.:@9?=40>��0?.�";0=,?4:9>�:1�.:8;,940>�,=0�?3=0,?090/�49�>:80�.,>0>��2,49>?

>@.3�,�-,.62=:@9/��?30=0�,=0�49.=0,>492�;=0>>@=0�,2,49>?�.:8;,940>�?:�,>.0=?,49�,9/�/4>.7:>0�4?>�B,?0=�=4>6>�)0�,=0�,7>:

>00492�,9�49.=0,>0�49�8,5:=�8,9@1,.?@=0=>�=0<@0>?492�?304=�>@;;740=>�?:�,>.0=?,49�,9/�/4>.7:>0�B,?0=�=4>6>��,>�B077�,>

49A0>?:=>�=0<@0>?492�/4>.7:>@=0�:1�B,?0=�=4>6�491:=8,?4:9��9?0=$4>6�$0>0,=.3��9>?4?@?0����:9>@7?492�4>�;=:A4/492�>0=A4.0>

?:�,>>0>>�B,?0=�=4>6>��B,?0=�/0;70?4:9��B,?0=�/4>,>?0=>��0?.��1:=�.:8;,940>��-,>0>�49��,;,9�,9/�:A0=>0,>

��::88;;==00330099>>44AA00����::99>>@@77??449922��%%00==AA44..00>>��::99����44:://44AA00==>>44??DD

�4:/4A0=>4?D�4>�,9�09A4=:9809?,7�?:;4.�?3,?�3,>�-02@9�?:�/=,B�[email protected]�,??09?4:9�49�=0.09?�D0,=>��:=�0C,8;70��?30=0�3,A0

-009�.,>0>�B30=0�>;0.414.�.:8;,940>�3,A0�.:80�@9/0=�.=4?4.4>8�1=:8�>:.40?D�/@0�?:�?30�,/A0=>0�48;,.?�?3,?�=,B

8,?0=4,7�;=:.@=0809?�,.?4A4?40>�3,A0�:9�-4:/4A0=>4?D��/0A07:;492�?:�-0.:80�8,9,20809?�;=:-708>��09.0��?30=0�3,>�-009

,�=4>0�49�?30�9@8-0=�:1�.:8;,940>�?3,?�,=0�-02499492�?:�48;70809?�=4>6�8,9,20809?�80,>@=0>��49�;,=?4.@7,=�7,=20

.:8;,940>��9?0=$4>6�$0>0,=.3��9>?4?@?0����:9>@7?492�;=:A4/0>�.:8;=0309>4A0�.:9>@7?492�>0=A4.0>�:9�-4:/4A0=>4?D�49

-@>490>>�,.?4A4?40>� :=0:A0=��4?�4>�>@;;:=?492�?30�0C;,9>4:9�:1�2=0090=D�49�.4?40>�?,6492�-4:/4A0=>4?D�49?:�.:9>4/0=,?4:9

?3=:@23�.:9>@7?,?4:9�:1�.:=;:=,?0�2=0090=D

#=0>0=A,?4:9�:1��4:/4A0=>4?D

%%@@;;;;::==??449922��??3300����9933,,99..00880099??��::11����99AA44==::99880099??,,77����111144..440099..DD��,,99//��''>>00��::11��%%@@>>??,,4499,,--7700��$$00>>::@@==..00>>

&30�@>0�:1�>@>?,49,-70�=0>:@=.0>�,9/�093,9.0809?�:1�09A4=:9809?,7�0114.409.D�,.=:>>�A,=4:@>�-@>490>>0>�9:?�:97D

49.=0,>0>�?30�>@>?,49,-474?D�:1�?30�27:-,7�09A4=:9809?��4?�,7>:�,>>@=0>�>@>?,49,-70�2=:B?3�:1�?30�.:8;,940>�&3=:@23�?30

>@;;:=?�1:=�09A4=:9809?,7�0114.409.D�,9/�@>0�:1�>@>?,49,-70�=0>:@=.0>��?30� %�����9>@=,9.0��=:@;�4>�.:9?=4-@?492�?:�?30

27:-,7�09A4=:9809?�,9/�?30�2=:B?3�:1�:@=�.@>?:80=>

��::99>>@@77??449922��%%00==AA44..00>>��$$0077,,??00//��??::����%%$$

�>�80,>@=0>�1:=��&3=0,?>�,9/�";;:=?@94?40>����(,7@0��3,49>���,9/���4:/4A0=>4?D��49�>@>?,49,-70�8,9,20809?�=0<@4=0/�-D

�%"� ��� ���9?0=$4>6�$0>0,=.3��9>?4?@?0����:9>@7?492�;=:A4/0>�.:9>@7?492�>0=A4.0�=02,=/492��%$�49.7@/492�?30�,.<@4>4?4:9

,9/�48;=:A0809?�:1�?30��9A4=:9809?,7� ,9,20809?�%D>?08���%"� ��� ���.:��.?4:9�� ��.0=?414.,?4:9��09A4=:9809?,7�=4>6

,9,7D>4>�,9/�>@;;:=?�1:=�?30�/0A07:;809?�:1��%$�=0;:=?>

��,,@@99..33��::11����::88;;==00330099>>44AA00����::88;;0099>>,,??44::99��##77,,99��11::==��))4499//��##::BB00==����009900==,,??44::99

%��,9/��9?0=$4>6�$0>0,=.3��9>?4?@?0����:9>@7?492�;=:A4/0�%0=A4.0�?:�#=0;,=0�$4>6�%@=A0D�$0;:=?�:9�)49/�#:B0=

�090=,?4:9��,.474?40>�)4?3�?34>�>0=A4.0�� %��.:8;=0309>4A07D�,>>0>>0>�=4>6>�=07,?0/�?:�?30�-@>490>>�,>�,�B3:70�-,>0/�:9

A,=4:@>�.:9/4?4:9>��49.7@/492�7:.,?4:9>�,9/�1,.474?40>��1:=�B49/�;:B0=�2090=,?4:9�.@>?:80=>��,9/�;=:A4/0>�,�=0;:=?�)49/

;:B0=�2090=,?4:9�3,>�,�;:>>4-474?D�:1�3,A492�7:B0=�:;0=,?4:9�=,?0>�,9/�49.@==492�,..4/09?>�/0;09/492�:9�7:.,?4:9>��1,.474?D

/0>429>��,9/�8,49?09,9.0�.:9/4?4:9>��0?.��B3470�4?�4>�,9�090=2D�>:@=.0�B34.3�3,>�,�7:B0=�;:B0=�2090=,?4:9�.:>?�?3,9

:?30=�=090B,-70�090=240>�?:�>0.@=0�0.:9:84.�;0=1:=8,9.0��..:=/4927D�� %��,48>�?:�09.:@=,20�.@>?:80=>�?:�?,60

.:@9?0=80,>@=0>�1:=�?30>0�=4>6>��,9/�,?�?30�>,80�?480�>@;;:=?�?304=�>?,-70�-@>490>>�:;0=,?4:9

ここ

Contributing to Resolution of Social Issues through the Business > Response to Climate Change

109

%.=009�:1��70=?492�%0=A4.0

:1�)0,?30=��91:=8,?4:9

��>>>>@@,,99..00��::11������,,99//--::::66��11::==����....44//0099??>>��,,99//����,,4477@@==00��$$44>>66>>��::11��""1111>>33::==00��))4499//��##::BB00==����009900==,,??44::99����,,..447744??4400>>��

%��,9/��9?0=$4>6�$0>0,=.3��9>?4?@?0����:9>@7?492�4>>@0�?30���,9/-::6�1:=��..4/09?>�,9/��,47@=0�$4>6>�:1�"11>3:=0�)49/

#:B0=��090=,?4:9��,.474?40>��&30�;@=;:>0�4>�?:�;=:A4/0�491:=8,?4:9�?:�,;;=:;=4,?07D�@9/0=>?,9/�,..4/09?�,9/�1,47@=0�=4>6>

:1�:11>3:=0�B49/�;:B0=�2090=,?4:9��B34.3�.:9?=4-@?0�?:�?30�/0A07:;809?�:1�=090B,-70�090=2D�"11>3:=0�B49/�;:B0=

2090=,?4:9�3,>�?30�,/A,9?,20�:1�3,A492�=4.30=�B49/�090=2D�,A,47,-70�,9/�10B0=�=0>?=4.?4:9>�:9�?30�7:.,?4:9�1:=�1,.474?D

0C;,9>4:9�?3,9�7,9/�B49/�;:B0=�2090=,?4:9��,9/�4>�0C;0.?0/�?:�-0�,�;=:84>492�=090B,-70�090=2D�>:@=.0�49��,;,9��B3:>0

7,9/�4>�>@==:@9/0/�-D�?30�>0,

��>>>>@@,,99..00��::11������,,99//--::::66��11::==��##33::??::AA::77??,,44..��##::BB00==����009900==,,??44::99����@@>>449900>>>>����....44//0099??��$$44>>66>>��

%�������,9/��9?0=$4>6�$0>0,=.3��9>?4?@?0����:9>@7?492�4>>@0�?30���,9/-::6�1:=�#3:?:A:7?,4.�#:B0=��090=,?4:9��@>490>>

�..4/09?�$4>6>���,�.:/0A07:;809?�?::7�-D�?30�?3=00�.:8;,940>��?:�>@;;:=?�>?,-70�:;0=,?4:9�:1�?30�;3:?:A:7?,4.�;:B0=

2090=,?4:9�-@>490>>�)3470�?30�;3:?:A:7?,4.�;:B0=�2090=,?4:9�-@>490>>�3,>�=,;4/7D�0C;,9/0/�49�?30�7,>?�>0A0=,7�D0,=>�

,..4/09?�=4>6>�,=4>492�1=:8�9,?@=,7�/4>,>?0=>��0?.�3,A0�,7>:�-0.:80�:-A4:@>�,7:92�B4?3�4?�&34>�3,9/-::6�;=:A4/0>

491:=8,?4:9�?:�,>>0>>�?30>0�,..4/09?�=4>6>�,;;=:;=4,?07D

��//0099??4411DD449922��==44>>66>>��,,99//��;;==::AA44//449922��449911::==88,,??44::99��::99��==44>>66>>

��7700==??449922��%%00==AA44..00��::11��))00,,??3300==����9911::==88,,??44::99

%���49�.::;0=,?4:9�B4?3�)0,?30=90B>��9.��3,>�;=:A4/0/�?30��70=?492

%0=A4.0�:1�)0,?30=��91:=8,?4:9�1:=�?30�14=>?�?480�49�?30�9:97410�49>@=,9.0

49/@>?=D�?:�;:74.D3:7/0=>�:1�.:9>?=@.?4:9�49>@=,9.0����@47/492��7749�����4A47

�924900=492��7749���,9/�14=0�49>@=,9.0���#=:;0=?D� ,>?0=�����@>490>>

�00;0=���:=�?=,9>;:=?�49>@=,9.0����@77��490����%@;;:=?�"90���1:=

.:8;,940>

&34>�>0=A4.0�>09/>�,70=?�8,47>�?:�.@>?:80=>�B309�,�1:=0.,>?�1:=

;=0.4;4?,?4:9�,8:@9?��B49/�>;00/�,9/�,8:@9?�:1�>9:B1,77�0C.00/>

>?,9/,=/>����,?�@;�?:�14A0�7:.,?4:9>�?3,?�.@>?:80=>�;=0>0?�:9�?30�/0/4.,?0/

B0->4?0��:=�B309�7423?9492�4>�:->0=A0/�,?�7:.,?4:9>�B4?349�?30�>?,9/,=/�A,7@0>����1=:8�?30�:->0=A,?4:9�;:49?�&3=:@23

;=:A4>4:9�:1�B0,?30=�491:=8,?4:9��B0�B477�307;�;=0A09?�,9/�84?42,?0�/,8,20�.,@>0/�-D�9,?@=,7�/4>,>?0=>�,9/�>@;;:=?

-@>490>>�,.?4A4?40>�:1�:@=�.@>?:80=>

�����@>?:80=>�;=0>0?�?B:�70A07>���70=?�,9/�),=9492�$02,=/492�7423?9492��?30�/4>?,9.0�4>�-0?B009�?30�:->0=A,?4:9�;:49?�,9/

?30�;:49?�>[email protected]�-D�7423?9492

��@@>>449900>>>>��&&,,>>66>>��BB44??33��??3300��..::99..00==99��11::==����774488,,??00����33,,992200��,,>>����774488,,??00))44>>00�� 0088--00==>>����''����

%��8749�;,=?4.4;,?0>�49��748,?0)4>0��748,?0)4>0�4>�,9�:=2,94E,?4:9�>0?�@;�?3=:@23�,�.:77,-:=,?4:9�-D�?30�49>@=,9.0

49/@>?=D��?30�'94A0=>4?D�:1��,8-=4/20��,9/�=0>0,=.3�49>?4?@?4:9>��?�8,60>�@>0�:1�?30�>;0.4,74E0/�69:B70/20�,9/

0C;0=409.0>�:1�?30�49>@=,9.0�49/@>?=D�=07,?0/�?:�9,?@=,7�/4>,>?0=>�1:=�B:=6�:9�?30�.748,?0�.3,920�4>>@0

&30� %�����9>@=,9.0��=:@;�3,>�;,=?4.4;,?0/�49�B:=6>3:;>�B34.3�/4>.@>>�.748,?0�.3,920�;,??0=9>�,9/�/,8,20>�49�0,.3

.:@9?=D�,9/�=024:9�-,>0/�:9�?30�9,?@=,7�/4>,>?0=�=4>6�,9,7D>4>�-D�=4>6�8,9,20809?�>;0.4,74>?>�)0�,=0�>@;;:=?492�?30

,.?4A4?40>�:1��748,?0)4>0�-D�>09/492�;,9074>?>�?:�;,=?4.4;,?0�49�49?0=9,?4:9,7�.:910=09.0>�,9/�?30�>@-84>>4:9�:1

=0.:8809/,?4:9>

ここ

Contributing to Resolution of Social Issues through the Business > Response to Climate Change

110

%,8;70�:1��@4/,9.0�8,?0=4,7>

##==00AA0099??449922��==44>>66>>��11==::88��--00449922��==00,,7744EE00//������==00//@@..449922��??3300��4488;;,,..??��::11��==44>>66>>

##==::AA44//449922��##==:://@@..??>>��,,99//��%%00==AA44..00>>��??::��%%@@;;;;::==??�� 00,,>>@@==00>>��,,22,,4499>>??����774488,,??00����33,,992200

�C?=080�B0,?30=�.,@>0/�-D�.748,?0�.3,920�3,>�A,=4:@>�48;,.?>�:9�-@>490>>�,.?4A4?40>��D�;=:A4/492�80,>@=0>�?:�84?42,?0

>@.3�48;,.?>��B0�.,9�>@;;:=?�?30�/0A07:;809?�:1�>@>?,49,-70�-@>490>>�49�,�>:.40?D�B4?3�?30�[email protected]�:1�.748,?0�.3,920

&30�,/A,9.0809?�:1�27:-,7�B,=8492�4>�@9,A:4/,-70��,9/�?30=01:=0��,;;=:;=4,?0�,/,;?,?4:9�80,>@=0>�,=0�9:B�[email protected],7�?:

>@..0>>�49�-@>490>>

))00,,??3300==����00==44AA,,??44AA00>>

%��,9/�����:110=�B0,?30=�/0=4A,?4A0>�?3,?�09,-70�.@>?:80=>�?:�84?42,?0�14>.,7�7:>>0>�,=4>492�1=:8�-,/�B0,?30=�)309

>,70>�/0.=0,>0�:=�.:>?>�49.=0,>0�/@0�?:�=,491,77��:A0=7D�3:?�:=�.:7/�>@880=>��0C?=0807D�.:7/�:=�B,=8�B49?0=>�,9/�:?30=

B0,?30==07,?0/�;309:809,��:=�;:B0=�2090=,?4:9�4>�49>@114.409?�/@0�?:�?30�7,.6�:1�>@9>3490�49�;3:?:A:7?,4.�;:B0=

2090=,?4:9�:=�:?30=�=090B,-70�090=2D�-@>490>>��B0�>@;;:=?�:@=�.@>?:80=>�-D�@9/0=B=4?492�B0,?30=�/0=4A,?4A0>

"A0=>0,>�,>�B077�� %��>077>�B0,?30=�/0=4A,?4A0>��;=48,=47D�49�!:=?3��80=4.,�,9/��@=:;0��?3=:@23�4?>�'%�>@->4/4,=D� %�

�@,=,9?00/�)0,?30=��9��0.08-0=��� ���4?�>?,=?0/�27:-,7�8,=60?492�:1�B0,?30=�/0=4A,?4A0>�@?474E492�!�%��,9/�:?30=

>,?0774?0�:->0=A,?4:9�/,?,�1:=�?30�14=>?�?480�,>�,��,;,90>0�9:97410�49>@=,9.0�2=:@;�&34>�09,-70/�@>�?:�;=:A4/0�B0,?30=

/0=4A,?4A0>�49�=024:9>�B30=0�@9/0=B=4?492�3,/�-009�/4114.@7?�-0.,@>0�;=0.4>0�/,?,�B,>�9:?�,A,47,-70�)0�B477�,.?4A07D�>077

B0,?30=�/0=4A,?4A0>�27:-,77D�49.7@/492�49��>4,��%:@?3��80=4.,�,9/�".0,94,�?:�>@;;:=?�-@>490>>�0C;,9>4:9�:A0=>0,>�,9/

7:.,7�0.:9:84.�,.?4A4?40>�:1�.@>?:80=>

��::88;;==00330099>>44AA00����::88;;0099>>,,??44::99��##77,,99��11::==����:::://��,,99//����22==44--@@>>449900>>>>

�:=�?30�,2=4.@7?@=,7�,9/�?30�74A0>?:.6�49/@>?=40>��@91,A:=,-70�B0,?30=�=4>6>�0C4>?�&30>0�49.7@/0�0C,8;70>�>@.3�,>�?30�7,.6

:1�>@97423?��,-9:=8,77D�7:B�,9/�3423�?08;0=,?@=0>��,9/�7,.6�:1�=,491,77��B34.3�.,9�=0>@7?�49�,�;::=�3,=A0>?�1:=�,2=4.@7?@=,7

=,B�8,?0=4,7>�,9/�,�/0.7490�49�?30�:@?;@?�:1�,948,7�;=:/@.?>��>�,�=0>@7?�:1�?30>0�,110.?>��8,=60?�;=4.0>�B:@7/�>@=20

&30���:8;=0309>4A0��::/�,9/��2=4-@>490>>��:8;09>,?4:9�#7,9��>:7/�-D� %��:110=>�.748,?0�/0=4A,?4A0�;=:/@.?>�1:=

@91,A:=,-70�B0,?30=�=4>6>��-,>0/�:9�,�.748,?0�49/0C�B34.3�[email protected]>�?30�D407/�,9/�:@?;@?�:1�?,=20?�,2=4.@7?@=,7�.=:;>�,9/

,948,7�;=:/@.?>

%%@@;;;;::==??��??::��$$00//@@..00��)),,??00====0077,,??00//����44>>,,>>??00==����,,88,,2200��,,??��##::==??>>

�@0�?:�.748,?0�.3,920��17::/�/4>,>?0=>�.,@>0/�-D�49.4/09?>�>@.3�,>

?D;3::9>�:=�3423�?4/0>�,=0�.,@>492�8:=0�/,8,20�B34.3�4>�-0D:9/�;,>?

,>>@8;?4:9>��:=�49>?,9.0��/4=0.?�48;,.?>�-D�7,=20>.,70�?D;3::9>�.:@;70/

B4?3�3423�?4/0>�.,9�70,/�?:�8,5:=�7:>>0>�41�?30D�48;,.?�1494>30/�A034.70>

-0492�>?:=0/�49�;:=?�,=0,>�5@>?�;=4:=�?:�?304=�0C;:=?�"9�?30�:?30=�3,9/�

?3=:@23�?30�0C0.@?4:9�:1�,;;=:;=4,?0�.:@9?0=80,>@=0>�49�,/A,9.0��?30

/,8,20�.,@>0/�-D�>@.3�/4>,>?0=>�.,9�-0�70>>090/

%��:110=>�.@>?:80=>�/0?,470/�2@4/,9.0�:9�0C;0.?0/�?D;3::9�=:@?0>�,9/

3423�?4/0�?480>�,30,/�:1�?304=�:..@==09.0�,9/�;=:;:>0>�.:@9?0=80,>@=0>

>@.3�,>�?30�?=,9>10=�:1�A034.70>�,9/�@>0�:1�B,?0=;=::1�.:A0=>�)0�,=0

B:=6492�?:�>@;;:=?�011:=?>�?:�70>>09�?30�/,8,20�.,@>0/�?:�:@=�.@>?:80=>

ここ

Contributing to Resolution of Social Issues through the Business > Response to Climate Change

111

##,,..441144..����,,??,,>>??==::;;3300��$$44>>66����>>>>00>>>>880099??��,,99//����4499,,99..449922����9944??44,,??44AA00����99>>@@==,,99..00����,,..447744??DD

%��4>�,9�@9/0=B=4?492�.:8;,9D�1:=�49>@=,9.0�.:A0=492�9,?@=,7�/4>,>?0=�=4>6>�49�#,.414.��,?,>?=:;30�$4>6��>>0>>809?�,9/

�49,9.492��94?4,?4A0��#�$������9>@=,9.0��,.474?D��B34.3�B,>�0>?,-74>30/�5:49?7D�-D�?30��,;,90>0�2:A0=9809?�,9/�?30�):=7/

�,96�&34>�1,.474?D�4>�/0>4290/�?:�149,9.0�<@4.6�=0.:9>?=@.?4:9�1@9/>�?:�9,?4:9>�,9/�=024:9>�49�?30�#,.414.��>7,9/>��%,8:,�

&:92,�� ,=>3,77��>7,9/>��(,9@,?@��,9/��::6��>7,9/>���B30=0�49>@=,9.0�8,=60?>�3,A0�9:?�8,?@=0/�>@114.409?7D��?3,?�,=0

,1174.?0/�-D�9,?@=,7�/4>,>?0=>��.D.7:90>�,9/�0,=?3<@,60>��:1�,�.0=?,49�>.,70��D�;,=?4.4;,?492�49�?34>�1,.474?D�� %��49?09/�?:

>@;;:=?�80,>@=0>�,2,49>?�9,?@=,7�/4>,>?0=>�49�?30�#,.414.�,=0,��,9/�1@71477�>:.4,7�=0>;:9>4-474?40>�1:=�?30�,=0,

*&30�%D>?08�%.3080+

&3=:@23�/0=4A,?4A0�?=,/492�B4?3�?30��9?0=9,?4:9,7��0A07:;809?��>>:.4,?4:9�:1�?30�):=7/��,96��B0�,=0�;=:A4/492�149,9.4,7

>@;;:=?�1:=�=0.:9>?=@.?4:9�49�?30�0A09?�:1�9,?@=,7�/4>,>?0=>�:1�,�.0=?,49�8,294?@/0�49�#,.414.��>7,9/�.:@9?=40>

%%@@;;;;::==??��11::==��??3300����77:::://��$$004499>>@@==,,99..00��%%DD>>??0088��??33==::@@2233��##,,==??44..44;;,,??44::99��4499����77:::://��$$00

%49.0��0-=@,=D��� ��� %��8749�3,>�-009�;,=?4.4;,?492�49��7::/�$0��,�17::/�=049>@=,9.0�>D>?08�0>?,-74>30/�-D�?30�'�

2:A0=9809?�,9/�?30��>>:.4,?4:9�:1��=4?4>3��9>@=0=>��������7::/�$0�4>�,�=049>@=,9.0�1@9/�1:=�;0=>:9,7�17::/�49>@=,9.0�,9/

,/8494>?0=0/�,9/�8,9,20/�-D�?30�49>@=,9.0�49/@>?=D��?�>@;;:=?>�342317::/=4>6�3:@>03:7/>�-D�;=:A4/492�?308�B4?3�,�B4/0

=,920�:1�;=0;,=,?4:9�80,>@=0>�1:=�17::/�/4>,>?0=>

##==::AA44//449922��##==:://@@..??>>��,,99//��%%00==AA44..00>>��??33,,??����00,,//>>��??::����774488,,??00����33,,992200�� 44??4422,,??44::99

!0B�-@>490>>0>�3,A0�080=20/�?3,?�,//=0>>�?30�B:=>09492�4>>@0�:1�27:-,7�B,=8492�&3=:@23�;=:A4/492�49>@=,9.0�,9/

.:9>@7?492�>0=A4.0>��B0�.:9?=4-@?0�?:�>?48@7,?492�?30�0.:9:8D�,9/�84?42,?492�.748,?0�.3,920�-D�;=:,.?4A07D�>@;;:=?492�?30

2=:B?3�:1�>@.3�-@>490>>0>��9�,//4?4:9��B0�,=0�B:=6492�?:�/0A07:;�,9/�:110=�;=:/@.?>�?3,?�70,/�?:�,�=0/@.?4:9�49�?30

-@=/09>�;7,.0/�:9�?30�09A4=:9809?

%%@@;;;;::==??��::11��$$009900BB,,--7700����9900==22DD��##==::5500..??>>

)0�,=0�49/4=0.?7D�>@;;:=?492�?30�B4/0=�,/:;?4:9�:1�=090B,-70�090=2D�-D�;=:A4/492�A,=4:@>�>0=A4.0>�:=�491:=8,?4:9�1:=�=4>6

,>>0>>809?�,9/�.:9>@7?492��,>�B077�,>�>077492�A,=4:@>�49>@=,9.0�;=:/@.?>�?3,?�.:8;=0309>4A07D�.:A0=�,�B4/0�A,=40?D�:1

=4>6>�>@==:@9/492�=090B,-70�090=2D�-@>490>>�:;0=,?:=>��;=:;0=?D�/,8,20��7:>>�:1�;=:14?>��74,-474?D�:1�/,8,20��0?.�

##33::??::AA::77??,,44..��##::BB00==��009900==,,??44::99

I�:8;=0309>4A0� 02,�%:7,=��:8;09>,?4:9�#7,9I#3:?:A:7?,4.�;:B0=�2090=,?4:9�-@>490>>�,..4/09?�=4>6�3,9/-::6��802,�>:7,=�1,.474?40>0,=?3<@,60�,9/�?>@9,84�=4>6�,9,7D>4>�,9/�>@9>3490�0A,7@,?4:9��802,�>:7,=�1,.474?40>�3,E,=/491:=8,?4:9�49A0>?42,?4:9��;3:?:A:7?,4.�;:B0=�2090=,?4:9�.:8;=0309>4A0�=4>6�8,9,20809?

))4499//��##::BB00==����009900==,,??44::99

��:8;=0309>4A0�>8,77�B49/�;:B0=�2090=,?4:9�.:8;09>,?4:9�;7,9�)49/�;:B0=�2090=,?4:9�1,.474?40>�3,9/-::6�1:=�,..4/09?�=4>6�,>>0>>809?��>0=A4.0�1:=/0A07:;809?�:1�B49/�;:B0=�2090=,?4:9�1,.474?D�=4>6�>@=A0D�=0;:=?>��3,9/-::6�1:=�>8,77�B49/;:B0=�2090=,?4:9�1,.474?40>��.:8;=0309>4A0�B49/�;:B0=�2090=,?4:9�=4>6�8,9,20809?

��44::88,,>>>>��;;::BB00==22009900==,,??44::99

��:8;=0309>4A0�-4:8,>>�;:B0=�2090=,?4:9�.:8;09>,?4:9�;7,9��,9/-::6�1:=�-4:8,>>�;:B0=�2090=,?4:9�1,.474?40>

%%88,,7777��::==��8800//44@@88>>44EE00//��BB,,??00==��;;::BB00==22009900==,,??44::99

I�:8;=0309>4A0��:A0=,20�#7,9�%8,77�,9/� 0/4@8>4E0/��D/=:�#:B0=��090=,?4:9�:8;09>,?4:9�#7,9I�:8;=0309>4A0�>8,77�:=�80/4@8>4E0/�B,?0=�;:B0=�2090=,?4:9�=4>6�8,9,20809?

��99AA44==::99880099??,,7777DD����==440099//77DD����@@??::88::--447700����99>>@@==,,99..00

&30� %�����9>@=,9.0��=:@;�8,60>�011:=?>�?:�,.340A0�,�>@>?,49,-70�27:-,7�09A4=:9809?�-D�/0A07:;492�,9/�;=:A4/492

;=:/@.?>�49�4?>�.:=0�;=:/@.?�,=0,�:1�,@?:8:-470�49>@=,9.0�?3,?�307;>�=0/@.0�09A4=:9809?,7�-@=/09>

ここ

Contributing to Resolution of Social Issues through the Business > Response to Climate Change

112

M&@=D7A7=<�=4�(;/@B>6=<3

/>>:71/B7=<�4=@�&@=;=B7<5

�3/:B6G�"7D7<5

M(BC2G�/<2�'3A3/@16�B6@=C56

�=::/0=@/B7=<�03BE33<

�<2CAB@73A�/<2�*<7D3@A7B73A

M�<4=@;/B7=<�)@/<A;7AA7=<

'3:/B32�B=�#3271/:��/@3�/<2

�3/:B6

M&@=D7A7=<�=4�&@=2C1BA�/<2

(3@D713A�B=�(C>>=@B�4=@

�57<5�(=173BG

M&@=D7A7=<�=4�&@=2C1BA��

(3@D713A�4=@�$C@A7<5��/@3

/<2�#3271/:��/@3

)63�#(�����<AC@/<13��@=C>�7A�AB@7D7<5�B=�3<6/<13�=C@�:7<3�C>�=4�D/@7=CA�A3@D713A�/<2�B=�>@=D723�7<AC@/<13

>@=2C1BA�4=@�<3E�;3271/:�7<2CAB@73A��7<�=@23@�B=�23:7D3@�5@3/B3@�>3/13�=4�;7<2�B=�3:23@:G�1CAB=;3@A�/A�E3

1=<4@=<B�/<�7<1@3/A7<5:G�/57<5�A=173BG

##//88==@@��''33AACC::BBAA��77<<����77AA11//::�� ������

""//CC<<11663322��//��AA;;//@@BB>>66==<<33

//>>>>::7711//BB77==<<������((CC;;//����==����

��!!==99==99//@@//����77//@@GG��

��3355//<<��2277AABB@@7700CCBB77<<55��66//<<22GG

6633//::BB66��77<<44==@@;;//BB77==<<��DD77//

��!!//@@//22//����//@@33��$$//DD77��

&&@@==DD772277<<55��4477@@33��77<<AACC@@//<<1133

>>@@==22CC11BBAA��11==@@@@33AA>>==<<2277<<55��BB==

//5577<<55��AA==117733BBGG

��CCAA77<<33AAAA��==44��##((������

ここ

Contributing to Resolution of Social Issues through the Business > Response to Aging Society

113

(1@33<��;/53

��A13<3�4@=;�>@3AA�1=<43@3<13

��2233<<BB7744GG77<<55��@@77AA99AA��//<<22��>>@@==DD772277<<55��77<<44==@@;;//BB77==<<��==<<��@@77AA99AA

��!!==99==99//@@//����77//@@GG������������((;;//@@BB>>66==<<33����>>>>::7711//BB77==<<������((CC;;//����==������BB66//BB����33::>>AA��&&33==>>::33��&&@@==;;==BB33����33//::BB66GG��##77<<22��//<<22��==22GG

(7<13��>@7:� �����#(��6/A�033<�>@=D727<5��!=9=9/@/��7/@G���/�A;/@B>6=<3�/>>:71/B7=<

��(C;/��=���/7;32�/B�63:>7<5�>3=>:3�B=�6/D3�/�63/:B6G�;7<2�/<2�0=2G��CAB=;3@A�1/<

;/93�CA3�=4�B67A�/>>:71/B7=<�B=�;/</53�63/:B6�=<�B637@�=E<��0G�;3/AC@7<5�B637@�AB@3AA

AB/BCA��47<27<5�=CB�B63�1/:=@73A�1=<AC;32�0/A32�=<�B63�<C;03@�=4�AB3>A�B/93<�

@31=@27<5�63756B��E3756B��6=C@A�=4�A:33>�/<2�=B63@�2/B/��/<2�CA7<5�=B63@�4C<1B7=<A�=4

B63�/>>:71/B7=<

�=@�1=@>=@/B3�1CAB=;3@A��#(��=443@A�/�A>317/:�E30A7B3�3F1:CA7D3:G�B=�1=;>7:3�/<2

27A>:/G�2/B/��<C;03@�=4�AB3>A�B/93<��1/:=@73A�1=<AC;32��E3756B��0=2G�4/B�>3@13<B/53�

�#��D/:C3��0:==2�>@3AAC@3��6=C@A�=4�A:33>��=4�3;>:=G33A�E6=�CA3�!=9=9/@/��7/@G�)67A

E30A7B3�7A�CA34C:�4=@�>@=D727<5�3;>:=G33A�E7B6�63/:B6�5C72/<13��7<1:C27<5�E/GA�B=

>@3D3<B�:743ABG:3�27A3/A3A��/<2�1/<�/:A=�03�CB7:7H32�4=@�6=:27<5�3D3<BA��AC16�/A�/�E/:97<5

@/::G�/7;32�/B�;/</57<5�63/:B6��B�#(���E3�E7::�1=<B7<C3�B=�63:>�>@=;=B3�B63�5==2

63/:B6�=4�7<27D72C/:�1CAB=;3@A�/<2�B=�AC>>=@B�1=;>/<73A�;/</53�B63�63/:B6�=4

3;>:=G33A

��==:::://00==@@//BB77==<<��0033BBEE3333<<����<<22CCAABB@@7733AA��//<<22��**<<77DD33@@AA77BB7733AA��44==@@����<<<<==DD//BB77==<<��77<<����33//::BB66��//<<22��##33227711//::����7733::22AA

#(��7A�>/@B717>/B7<5�7<�B63�K%A/9/�*<7D3@A7BG��@=AA��<<=D/B7=<��<7B7/B7D3�L

E6716�/7;A�B=�@3/:7H3�7<<=D/B7=<A�7<�B63�63/:B6�/<2�;3271/:�473:2A�B6@=C56

B63�7<2CAB@G�/1/23;7/�1==>3@/B7=<

#(��E7::�1=<B@70CB3�B=�4C@B63@�23D3:=>;3<B�=4�B63�63/:B6�/<2�;3271/:

7<2CAB@73A�/<2�B63�@3/:7H/B7=<�=4�63/:B6G�:=<5�:7D7<5�A=173BG�0G�AC>>=@B7<5

B63�@3/:7H/B7=<�=4�A/43�/<2�AB/0:3�7<<=D/B7=<A�7<�B67A�7<7B7/B7D3��E6716

3<23/D=@A�B=�1=;;3@17/:7H3�4CBC@3�;3271/:�A3@D713A�03G=<2�=@5/<7H/B7=<A

/<2�473:2A

ここ

Contributing to Resolution of Social Issues through the Business > Response to Aging Society

114

��3@30@/:�(B@=93�(3;7</@�

&@3A3<B/B7=<�13@3;=<G�7<�(7<5/>=@3

&&@@33DD33<<BB77<<55��@@77AA99AA��44@@==;;��003377<<55��@@33//::77HH3322����@@3322CC1177<<55��BB6633��77;;>>//11BB��==44��@@77AA99AA

��11BB77DD77BB7733AA��BB==����==;;;;CC<<7711//BB33��##33227711//::����<<44==@@;;//BB77==<<��BB==����CCAABB==;;33@@AA

��11BB77DD77BB7733AA��BB==��11==;;;;CC<<7711//BB33��66//<<22GG��6633//::BB66��77<<44==@@;;//BB77==<<

(7<13��>@7:� �����#(���7=7�"743�6/A�035C<�=>3@/B7<5�!/@/2/��/@3�$/D7��/<

7<4=@;/B7=<�>@=D7A7=<�E30A7B3�4=@�CA3@A�B=�D73E�63:>4C:�63/:B6�7<4=@;/B7=<

#(���7=7�"743�=443@A�CA34C:�7<4=@;/B7=<�B6/B�7;;327/B3:G�1=;3A�7<�6/<2G�7<

4=C@�1/B35=@73A���::<3AA3A�/<2�;3271/:�1/@3�B=�03�/E/@3�=4��B7>A�=<�63/:B6�

AB/G7<5�63/:B6G�E7B6�4==2��/<2�63/:B6G�:743

��33@@3300@@//::��((BB@@==9933��&&@@==883311BB

#(���7=7�"743�=@5/<7H3A�B63���3@30@/:�(B@=93�(3;7</@��7<�1=::/0=@/B7=<�E7B6�B63� />/<�(B@=93

�AA=17/B7=<�)67A�A3;7</@�7A�1=<2C1B32�0G�A>317/:7AB�AB@=93�>6GA717/<A�4@=;�/1@=AA� />/<

�A�=4�B63�3<2�=4�#/@16� �����=D3@��������1CAB=;3@A�7<�B=B/:�>/@B717>/B32�7<�B63���3@30@/:

(B@=93�(3;7</@��#(���7=7�"743�/:A=�=>3@/B3A�B63���3@30@/:�(B@=93�'3>=@B���/�E30A7B3

1=<B/7<7<5�D/@7=CA�7<4=@;/B7=<�=<�13@30@/:�AB@=93��AC16�/A�E6/B�97<2�=4�27A3/A3�13@30@/:

AB@=93�7A��7BA�>@3D3<B7=<��/<2�E/GA�B=�6/<2:3�7B�7<�B63�1/A3�=4�7BA�=<A3B

&&@@==;;==BB77==<<��==44��((BBCC22GG������''33AA33//@@1166��BB66//BB����==<<BB@@7700CCBB33��BB==����::2233@@::GG����//@@33��//<<22��))@@//44447711��((//4433BBGG

#(����=:27<5A���A7/��&B3�"B2��B63��A7/<�6=:27<5�1=;>/<G�=4�#(���57D3A�/E/@2A�B=�ABC2G�/<2�@3A3/@16�B6/B�1=<B@70CB3�B=

3<6/<17<5�3:23@:G�1/@3�/<2�B@/4471�A/43BG�)6@=C56�B67A�7<7B7/B7D3��B63G�>@=;=B3�B63�A/43BG�=4�1=;;C<7B73A�/<2�B63�63/:B6G

:7D7<5�=4�3:23@:G�>3=>:3

��@@//<<BB��&&@@==55@@//;;AA��==44��BB6633��##77BBAACC77��((CC;;77BB==;;==����<<AACC@@//<<1133��,,33::44//@@33����==CC<<22//BB77==<<

)63�#7BAC7�(C;7B=;=��<AC@/<13�,3:4/@3��=C<2/B7=<����4C<2A�B=�>@=D723

/AA7AB/<13�4=@�@3A3/@16�/<2�=B63@�/1B7D7B73A�7<�B63�BE=�473:2A�=4�B@/4471

A/43BG�/<2�E3:4/@3�A3@D713A�4=@�B63�/532��B�/:A=�>@3A3<BA�B63��#7BAC7

(C;7B=;=��<AC@/<13�,3:4/@3��=C<2/B7=<�&@7H3��B=�B63�/CB6=@A�=4�3F13::3<B

>C0:71/B7=<A�/<2�>/>3@A��B�/:A=�3<5/53A�7<�/1B7D7B73A�B=�>@=D723�>/@B7/:

5@/<BA�4=@�B63�>C@16/A3�=4�E3:4/@3�D3671:3A�CA32�0G�E3:4/@3�4/17:7B73A�4=@

B63�3:23@:G�)63G�AB/@B32�B=�=443@�=D3@A3/A�/72�B=�(=CB6��/AB��A7/�7<�47A1/:

����)63G�AC0A727H32�ABC273A�7<�(7<5/>=@3�/<2�)6/7:/<2��7<D3AB75/B32�/<2

1=<A723@32�/>>@=>@7/B3�AC0A72G�;3B6=2A�B=�3F>/<2�AC0A727H/B7=<�1=D3@/53

B=�7<1:C23�;=@3�1=C<B@73A��G�B63�3<2�=4�47A1/:� �����7B�6/A�4C@<7A632����

;7::7=<�G3<�7<�/72�4=@�����>@=831BA�7<�B63�3:23@:G�E3:4/@3��1C;C:/B7D3�B=B/:A

A7<13�7BA�3AB/0:7A6;3<B�

#7BAC7�(C;7B=;=��<AC@/<13�,3:4/@3��=C<2/B7=<�� />/<3A3�=<:G�

����#7BAC7�(C;7B=;=��<AC@/<13�,3:4/@3��=C<2/B7=<���AB/0:7A632�7<�������16/<53�=4�AB/BCA�B=�/�>C0:71�E3:4/@3�1=@>=@/B7=<�7<��313;03@� ���

ここ

Contributing to Resolution of Social Issues through the Business > Response to Aging Society

115

'31=;;3<27<5���!�(C;/7�<=��=93<�K!/H/7

�@/23�*>��=A6=�<=��=/<</7K��7<AC@/<13

5C723�=<�1=D3@/53�4=@�4C@<7BC@3���6=CA36=:2

5==2A�/<2�C>5@/27<5�

)=C56�(C;/7�<=��=93<�K!/H/7�<=��=A6=

GC87BAC�&/19/53L��>/19/53�4=@�3<6/<17<5

1=D3@/53�4=@�4C@<7BC@3���6=CA36=:2�5==2A�

''3322CC1177<<55��BB6633��3311==<<==;;7711��00CC@@2233<<��EE6633<<��@@77AA99AA��003311==;;33��@@33//::

��77@@33����<<AACC@@//<<1133��&&@@==22CC11BBAA��44==@@����5577<<55��((==117733BBGG

#(��/<2�����/@3�B63�47@AB�7<�B63�<=<�:743�7<AC@/<13�7<2CAB@G�B=�=443@�47@3�7<AC@/<13�>@=2C1BA�4=@�/57<5�A=173BG�,7B6�B63

@313<B�/2D/<13;3<B�=4�/57<5�7<�=C@�A=173BG��B63@3�6/D3�033<�;=@3�1/A3A�=4�3:23@:G�>3@A=<A�2G7<5�/:=<3�7<�@3<B/:�6=CA7<5�

/<2�<332A�4=@�A3@D713A�B=�AC>>=@B�B63�3:23@:G�7<�2/G�B=�2/G�:7D7<5�6/D3�033<�5@=E7<5�G3/@�/4B3@�G3/@��<�=@23@�B=�@3A>=<2

B=�B63A3�16/<53A�7<�B63�3<D7@=<;3<B��B63G�23D3:=>32�/<2�=443@�/�A>317/:�@723@�4=@�47@3�7<AC@/<13��<3E�3AB/0:7A6;3<B�=4�/

A>317/:�@723@�4=@�:/<2:=@2�3F>3<A3A��3<6/<13;3<B�=4�472C17/@G�:7/07:7BG�@723@��/<2�7<1723<B/:�A3@D713A��4C@<7BC@3�;=D7<5��:756B

0C:0�@3>:/13;3<B�A3@D713�

#3/<E67:3��7<�@313<B�G3/@A�>/B73<BA�E7B6�23;3<B7/�6/D3�033<�7<1@3/A7<5�7<�<C;03@�%<13�23D3:=>32��B63�7::<3AA�1/<�1/CA3

/�>/B73<B�B=�E/<23@��3B1�/<2�53B�7<D=:D32�7<�/<�/11723<B�=@�5=�=<B=�B@/7<�B@/19A�0G�;7AB/93�/<2�AB=>�/�B@/7<�(7<13�AC16

1/A3A�E6716�/@3�AC0831B�B=�/�:/@53�/;=C<B�=4�2/;/53�1:/7;�1/<�03�3F>31B32��B63@3�/@3�5@=E7<5�<332A�B=�A31C@3�7<AC@/<13

74�/<�/11723<B�A6=C:2�6/>>3<�)63@34=@3��A7<13� /<C/@G� ����E3�6/D3�033<�=443@7<5�/�<3E�@723@�B=�1=D3@�K:7/07:7BG�B=�>/G

4=@�2/;/53�1/CA32�0G�ACA>3<A7=<�=4�B@/7<�=>3@/B7=<��3B1�<=B�7<D=:D7<5�>@=>3@BG�2/;/53�L�E6716�E/A�<=B�1=D3@32�0G�B63

1=<D3<B7=</:�:7/07:7BG�@723@�4=@�7<27D72C/:A

)/97<5�7<B=�/11=C<B�B63�4C@B63@�/2D/<13;3<B�=4�/57<5��E3�E7::�1=<B7<C3�B=�1=;07<3�B63�9<=E�6=E�=4�5@=C>�1=;>/<73A�7<

/1B7D3:G�>C@AC7<5�B63�23D3:=>;3<B�=4�>@=2C1BA�/<2�A3@D713A�B6/B�1=<B@70CB3�B=�B63�K3AB/0:7A6;3<B�=4�/<�/532�A=173BG

E6716�7A�1=;4=@B/0:3�B=�:7D3�7<L

ここ

Contributing to Resolution of Social Issues through the Business > Response to Aging Society

116

((33@@DD771133AA��//<<22��))====::AA����==<<AA772233@@77<<55��BB6633����::2233@@::GG��&&33==>>::33

�C3�B=�>=>C:/B7=<�/57<5�/<2�231:7<3��B63�<C;03@�=4�3:23@:G�>3=>:3�E6=�:7D3�/:=<5�=@�/A�1=C>:3A�7<1@3/A7<5��2@7D7<5�B63

23;/<2�4=@�A3@D713A�B6/B�E7::�AC>>=@B�B63;�7<�2/7:G�:7D3A��<�:756B�=4�B63A3�17@1C;AB/<13A��#(��23D3:=>32�/�<3E�47@3

7<AC@/<13���!�(;/::��<AC@/<13��@/<2��/<2�AB/@B32�A3::7<5�7B�7<� /<C/@G� ���

)67A�>@=2C1B�<=B�=<:G�>@=D723A�>@=B31B7=<�7<�1/A3�=4�3;3@53<1G��0CB�/:A=�=443@A�1=;>:3;3<B/@G�A3@D713A�B6/B�;/93�:743

1=;4=@B/0:3��A=�B6/B�B63�1CAB=;3@A�433:�B63�D/:C3�=4�B67A�>@=2C1B�3D3<�7<�2/7:G�:743�E63<�B63G�2=�<=B�6/D3�B=�CA3�B63

7<AC@/<13�4=@�3;3@53<1G�1/A3A

)=�23:7D3@�>3/13�=4�;7<2�/<2�1=;4=@B��B67A�>@=2C1B�=443@A���@/<2�(3:31B�(3@D713��E6716�7A�E723:G�CA34C:�7<�3D3@G2/G�:743

/<2�1/<�03�CA32�<=B�=<:G�0G�B63�1CAB=;3@A�E6=�8=7<�B63�7<AC@/<13�>@=5@/;�0CB�/:A=�0G�B637@�@3:/B7D3A�@357AB3@32�/A

3;3@53<1G�1=<B/1BA

�<�/227B7=<��#(��7A�;/97<5�D/@7=CA�B==:A�;=@3�1=<D3<73<B�4=@�3:23@:G�1CAB=;3@A�0G�;/97<5�B63;�3/A73@�B=�@3/2��C<23@AB/<2

/<2�CA3

��@/<2�(3:31B�(3@D713��;3<C�3F/;>:3A

��77AA//AABB33@@>>@@33DD33<<BB77==<<;;77BB7755//BB77==<<77<<44==@@;;//BB77==<<��//::33@@BB��AA33@@DD771133

���<�B63�/2D3<B�=4�B=@@3<B7/:�@/7<��BG>6==<��63/DG�A<=E��:756B3<7<5��/<2�=B63@�1@7B71/:A7BC/B7=<A�B6/B�1/CA3�2/;/53�B=�B63�6=CA7<5�=4�/�>=:71G6=:23@�/<2�67A63@4/;7:73A@3:/B7D3A��35��/�167:2�:7D7<5�/E/G�4@=;�6=;3���/<�3;3@53<1G�<=B7471/B7=<�7A�A3<BB=�B63�>=:71G6=:23@�/<2�67A63@�4/;7:73A@3:/B7D3A�0G�3�;/7:��3B1

&&66==<<33��11==<<AACC::BB//BB77==<<��AA33@@DD771133���@33�=4�16/@53�1=<AC:B/B7=<�7A�>@=D7232�0G�/�A>317/:7AB�AB/44�=D3@�B63�>6=<3�E63<�/>=:71G6=:23@�7A�4/17<5�7AAC3A�@3:/B32�B=�63/:B6;3271/:��<C@A7<5�1/@3��>3<A7=<B/F/B7=<�:35/:�;/BB3@A��7<63@7B/<13�B/F��>3BA��&��=>3@/B7=<��3B1�7<�2/7:G�:7D7<5

))AACC<<//55//@@77��@@33>>==@@BB��AA33@@DD771133����<=B7471/B7=<�=<�B63�AB/BCA�=4�>=:71G6=:23@JA�CA3�=4�A3@D713A�7A�A3<B�B=�B63>=:71G6=:23@JA�4/;7:G@3:/B7D3��35��/�167:2�:7D7<5�/E/G�4@=;�6=;3��)63�A3@D713�=443@A/AAC@/<13�4=@�B63�4/;7:G@3:/B7D3�:7D7<5�/E/G�B6/B�B63�>=:71G6=:23@�7A�2=7<5�E3::

)63�4=::=E7<5A�/@3�B63�=B63@�7<1723<B/:�A3@D713A�� />/<3A3�=<:G�

�F/;>:3A�=4�B==:A�1=@@3A>=<27<5�B=�B63�/532�A=173BG�/<2�=443@7<5�3<6/<132�CA3@�4@73<2:7<3AA�/<2�1=<D3<73<13

��@@==1166CC@@33AA����>>==::7711GG��>>@@==DD77AA77==<<AA��77<<AACC@@//<<1133��1133@@BB77447711//BB33����33BB11

��)63�23A1@7>B7=<�A>/13�E/A�1=<A723@/0:G�3F>/<232��2=C0:32�7<�B63�0@=16C@3�����B7;3A7<�B63�>=:71G�13@B7471/B3���/<2�:/@53@��3/A73@�B=�@3/2�:3BB3@A�/A�E3::�/A�;=@3�7::CAB@/B7=<A6/D3�033<�/2=>B32��&=:71G�0@=16C@3�7A�/:A=�/D/7:/0:3�7<�B63�4=@;�=4�/�D723=���'��/C5;3<B32�@3/:7BG�1=<B3<B�

&&@@==22CC11BB��2233AA11@@77>>BB77==<<����++����%443@7<5�/�>@=2C1B�23A1@7>B7=<��+��B6/B�23A1@703A�B63�1=D3@/53�7<�/<�3/AG�B=�C<23@AB/<2�;/<<3@

((>>331177//::��77<<AACC@@//<<1133��1133@@BB77447711//BB3344==::2233@@

��,3�>@=D723�/�07<23@�;/23�=4�6756:G�2C@/0:3�;/B3@7/:�B6/B�1=;3A�E7B6�/<�7<<3@�>=C16=<�E6716�/<�3F>:/</B7=<�=<�B63�>=:71G�13@B7471/B3�>:/132�7A�>@7<B32

ここ

Contributing to Resolution of Social Issues through the Business > Response to Aging Society

117

��22DD//<<113322��##33227711//::����//@@33����33<<334477BB����77@@3311BB��&&//GG;;33<<BB��((33@@DD771133����@@33AA>>==<<2277<<55��BB==��//::::��;;33227711//::��77<<AABB77BBCCBB77==<<AA��BB66//BB��>>33@@44==@@;;>>@@==BB==<<��BB6633@@//>>GG����6633//DDGG��77==<<��@@//2277==BB6633@@//>>GG��

#(���7=7�"743�/@@/<532�B=�=443@�7BA�K/2D/<132�;3271/:�1/@3�03<347B�27@31B�>/G;3<B�A3@D713���L�4=@�/::�;3271/:�7<AB7BCB7=<A�7<

/>/<�B6/B�>3@4=@;�>@=B=<�B63@/>G�/<2�63/DG�7=<�@/27=B63@/>G�4@=;��30@C/@G� ����)67A�A3@D713�<=B�=<:G�@32C13A�B63

0C@23<�=4�>=:71G6=:23@A�B=�>@3>/@3�4C<2A�7<�/2D/<13�0CB�/:A=�=443@A�/�A3<A3�=4�A31C@7BG�4=@�>=:71G6=:23@A�A7<13�B63G�1/<

@3137D3�BG>3A�=4�B@3/B;3<B�E7B6�>/@B71C:/@:G�6756�B316<71/:�433A

������A3@D713�=4�27@31B:G�>/G7<5�/2D/<132�;3271/:�B@3/B;3<B�433A�4=@�>@=B=<�B63@/>G�/<2�63/DG�7=<�@/27=B63@/>G�B=�/

;3271/:�7<AB7BCB7=<�=<�036/:4�=4�B63�>=:71G6=:23@�)67A�A3@D713�7A�/D/7:/0:3�4=@�/�1=<B@/1B�E7B6�/<�/227B7=<�=4�/<G�=4�B63

4=::=E7<5��K/2D/<132�;3271/:�1/@3�@723@�L�K/2D/<132�;3271/:�1/@3�@723@�I�L�K/2D/<132�;3271/:�1/@3�@723@��<=�1/A6

AC@@3<23@�D/:C3�@3BC@<��L�K:C;>�AC;�>/G;3<B�/2D/<132�;3271/:�1/@3�@723@�L�K/2D/<132�;3271/:�1/@3�4=@�1/<13@�@723@�L

/<2�K/2D/<132�;3271/:�1/@3�4=@�1/<13@�@723@�IL

((CC>>>>==@@BB��44==@@��BB6633����33DD33::==>>;;33<<BB��==44��''335533<<33@@//BB77DD33��##3322771177<<33��))331166<<==::==55GG

#(��7A�/�;/</57<5�7<AC@/<13�1=;>/<G�4=@�B63��"7/07:7BG��<AC@/<13�4=@��:7<71/:�'3A3/@16���<1:C27<5�'353<3@/B7D3�#32717<3��

/�AGAB3;�3AB/0:7A632�0G�B63� />/<3A3�(=173BG�4=@�'353<3@/B7D3�#32717<3�,3�1=;;3<132�A/:3�=4�/�23271/B32�7<AC@/<13

>@=2C1B�7<�:7<3�E7B6�B67A�@=:3�*<23@�B67A�AGAB3;��E63<�1=<2C1B7<5�1:7<71/:�@3A3/@16�=<�@353<3@/B7D3�;32717<3�7<

/11=@2/<13�E7B6�B63��1B�=<�B63�(/43BG�=4�'353<3@/B7D3�#32717<3��3B1��#(��>@=D723A�2=<=@A�/<2�>/B73<BA�E7B6

1=;>3<A/B7=<�E67:3�=443@7<5�1=D3@/53�4=@�2/;/53�:7/07:7BG�B6/B�A6=C:2�03�0=@<3�0G�;3271/:�7<AB7BCB7=<A�C<23@�:/E�7<�B67A

1:7<71/:�@3A3/@16

*<23@�B63�AGAB3;�=4�K"7/07:7BG�(GAB3;�4=@�)@3/B;3<B��7<1:C27<5�'353<3@/B7D3�#32717<3L�7<B@=2C132�7<� C:G� �����#(��/A�/

;/</57<5�7<AC@/<13�1=;>/<G�035/<�B63�A/:3�=4�/�23271/B32�7<AC@/<13�>@=2C1B�)67A�>@=D723A�1=;>3<A/B7=<�4=@�63/:B6

2/;/53�7<�1/A3A�E63@3�/�2=1B=@;3271/:�7<AB7BCB7=<�1=D3@32�0G�B63�1=<D3<B7=</:�;3271/:�>@=43AA7=</:�:7/07:7BG�7<AC@/<13�7A

:7/0:3�4=@�1=;>3<A/B7=<�C<23@�:/E��<�/227B7=<��B63�AGAB3;�=4�K"7/07:7BG�(GAB3;�4=@�)@3/B;3<B��7<1:C27<5�'353<3@/B7D3

#32717<3L�>@=D723A�1=;>3<A/B7=<�7<�1/A3A�E63@3�/�2=1B=@;3271/:�7<AB7BCB7=<�03/@A�<=�:7/07:7BG�4=@�1=;>3<A/B7=<�C<23@

:/E��/<2�=443@A�1=;>3<A/B7=<�4=@�2=<=@A�/A�@3?C7@32�C<23@�B63��1B�=<�B63�(/43BG�=4�'353<3@/B7D3�#32717<3��3B1�/<2�/:A=

4=@�>/B73<BA�<=B�>@=D7232�4=@�C<23@�B63�A/72��1B

#(��E7::�1=<B7<C3�B=�=>3@/B3�B63A3�AGAB3;A�E7B6�/�D73E�B=�1=<B@70CB7<5�B=�B63�7<1@3/A7<5:G�A=C<2�23D3:=>;3<B�=4

B316<=:=573A�4=@�@353<3@/B7D3�;32717<3��3B1�/<2�B63�>@=;>B��A/43�>3<3B@/B7=<�=4�@353<3@/B7D3�;32717<3�7<� />/<

&&@@==DD77AA77==<<��==44��((33::44��AACC>>>>==@@BB77<<55��##33//<<AA��BB==����CC77::22����AAAA33BBAA

�<�@3A>=<A3�B=�B63�/2D/<13;3<B�=4�=C@�/57<5�A=173BG��#(��&@7;/@G�"743�=443@A�/�27D3@A3�:7<3C>�=4�47F32D/@7/0:3�/<<C7BG

E6=:3�:743�7<AC@/<13>3<A7=<�7<AC@/<13�>@=2C1BA�/A�/�;3/<A�4=@�1CAB=;3@A�B=�0C7:2�C>�B637@�=E<�/AA3BA�B=�1=;>:3;3<B

B637@�>C0:71�>3<A7=<A��/<2�/A�/�;3/<A�B=�3<AC@3�B6/B�/AA3BA�/@3�7<63@7B32�7<�/<�/>>@=>@7/B3�E/G�0G�B63�<3FB�53<3@/B7=<

)63@3�7A�B63�>=>C:/@�4=@375<�1C@@3<1G�23<=;7</B32�47F32�/;=C<B�E6=:3�:743�7<AC@/<13�K(67/E/A3�.CBB=��6/>>7<3AA

4=@3D3@�L�E6716�/11=;;=2/B3A�B63�<332A�B=�K3F>/<2L�/<2�K:3/D3�0367<2L�/AA3BA��<�/227B7=<��/�<3E�>@=2C1B��1C@@3<1G

A3:31B32�A>317/:�E6=:3�:743�7<AC@/<13��K-/A/A67A/�)AC</5C��1=<<31B7<5�B6=C56B4C:<3AA�L�E6716�@3A>=<2A�B=�B63�<332A�B=

K@3137D3�L�K1=<<31B�L�/<2�K:3/D3�0367<2L�/AA3BA�E/A�:/C<1632�7<��C5CAB� ����K-/A/A67A/�)AC</5CL�7A�E6=:3�:743

7<AC@/<13�B6/B�3</0:3A�B63�03<34717/@G�B=�@3137D3�B63�AC@D7D/:�03<347B�@756B�/4B3@�B63�1=<B@/1B�7A�1=<1:C232��G�A3BB7<5�/

4/;7:G�;3;03@�/A�B63�03<34717/@G�=4�B63�AC@D7D/:�03<347B��/AA3BA�;/G�03�57D3<�=<�/�>3@7=271/:�0/A7A�,3�E7::�1=<B7<C3�B=

B/93�7<7B7/B7D3A�B=�AC>>=@B�B63�/532�A=173BG�0G�=443@7<5�:743�7<AC@/<13�>@=2C1BA�B6/B�@3A>=<2�B=�1CAB=;3@AJ�27D3@A3�<332A

=<�/AA3B�4=@;/B7=<�/<2�5C/@/<B33

&&@@==DD77AA77==<<��==44��&&@@==22CC11BBAA������((33@@DD771133AA��44==@@��$$CC@@AA77<<55����//@@33��//<<22��##33227711//::����//@@33

�7D3<�B63�/2D/<13;3<B�=4�/57<5��B63@3�/@3�5@=E7<5�<332A�4=@�>@=2C1BA�B6/B�AC>>=@B�B63�<C@A7<5�1/@3�0CA7<3AA�/<2�;3271/:

1/@3�/<2�@3:/B32�A3@D713A�)63�#(�����<AC@/<13��@=C>�=443@A�>@=2C1BA���A3@D713A�B6/B�;33B�B63�<332A�=4�1CAB=;3@A�7<

/<�/7;�B=�1=<B@70CB3�B=�0C7:27<5�/�A=173BG�7<�E6716�B63�3:23@:G�/<2�=B63@�>3=>:3�:7D7<5�7<�:=1/:�1=;;C<7B73A�1/<�:7D3�E7B6�/

A3<A3�=4�A31C@7BG�/<2�0C7:27<5�1=;;C<7B73A�B6/B�1/<�E7B6AB/<2�27A/AB3@A

ここ

Contributing to Resolution of Social Issues through the Business > Response to Aging Society

118

-C�"743�(3B/5/G/

��==;;>>@@336633<<AA77DD33��##33227711//::����<<AABB77BBCCBB33����==;;>>33<<AA//BB77==<<��&&:://<<

#(��6/A�23D3:=>32�/<2�1=;;3<132�A/:3A�=4�/�<3E�>@=2C1B��B63

��=;>@363<A7D3�#3271/:��<AB7BCB3��=;>3<A/B7=<�&:/<���B/@53B32�/B

;3271/:�7<AB7BCB3A��E7B6�B63�/7;�=4�1=D3@7<5�B63�D/@7=CA�@7A9A�1=<4@=<B7<5

=@5/<7H/B7=<A�AC16�/A�6=A>7B/:A��@7A9A�=4�>@=>3@BG�:=AA��:7/07:7BG��7<4=@;/B7=<

:3/9/53��3B1���<�=@23@�B=�27AB@70CB3�B63�<313AA/@G�1=;>3<A/B7=<�B=

1CAB=;3@A�7<�/�@3/A=</0:3�;/<<3@��B67A�>@=2C1B�1=;3A�7<�/�>/19/53�B6/B

1=;>@7A3A�0=B6�7<AC@/<13�/<2�@7A9�1=<AC:B7<5�A3@D713A

�G�=443@7<5�B67A�>:/<��#(��A339A�B=�>@=D723�AC>>=@B�B=�1CAB=;3@A�B6/B�/@3

3<B3@7<5�<3E�;3271/:�473:2A��/<2�B=�1=<B@70CB3�B=�B63�A/43�/<2�AB/0:3

=>3@/B7=<�=4�0CA7<3AA3A

��==;;>>@@336633<<AA77DD33����==;;>>33<<AA//BB77==<<��&&:://<<��44==@@��,,33::44//@@33������$$CC@@AA77<<55����//@@33����CCAA77<<33AAAA��%%>>33@@//BB==@@AA����$$CC@@AA77<<55����//@@33����<<AACC@@//<<1133

������==;;>>@@336633<<AA77DD33����<<AACC@@//<<1133��44==@@��((==1177//::��,,33::44//@@33����CCAA77<<33AAAA��%%>>33@@//BB==@@AA

#(��/<2�����27AB@70CB3�>@=2C1BA�B6/B�7<1=@>=@/B3�7<AC@/<13�/<2�@7A9�1=<AC:B7<5�=>B7=<A�7<�/�>/19/53�A=�B6/B�E3:4/@3��

<C@A7<5�1/@3�0CA7<3AA�=>3@/B=@A�1/<�@/B7=</::G�A31C@3�B63�<313AA/@G�1=;>3<A/B7=<�/5/7<AB�D/@7=CA�@7A9A��>@=>3@BG�2/;/53

@7A9��1=;>3<A/B7=<�:7/07:7BG�@7A9��7<4=@;/B7=<�:3/9/53�@7A9��3B1��B6/B�AC@@=C<2�B63A3�0CA7<3AA�=>3@/B=@A��/1B=@A�AC16�/A�B63

27D3@A7471/B7=<�=4�A3@D713A��B63�/2D/<13;3<B�=4�7<4=@;/B7=<�27A1:=AC@3��/<2�B63�7<B@=2C1B7=<�=4�@=0=B71�<C@A7<5�3?C7>;3<B

6/D3�7<1@3/A32�B63�1=;>:3F7BG�=4�@7A9A�4/132�0G�E3:4/@3�/<2�<C@A7<5�1/@3�0CA7<3AA3A�)63G�1=<B@70CB3�B=�B63�A/43�/<2

AB/0:3�=>3@/B7=<�=4�B63A3�0CA7<3AA3A�/<2�AC>>=@B�1CAB=;3@A�<3E:G�3<B3@7<5�B63�E3:4/@3���<C@A7<5�1/@3�A31B=@A�0G

>@=D727<5�A=:CB7=<A�B=�B63A3�0CA7<3AA�=>3@/B=@A

����&&��((CC>>>>==@@BB��))====::��44==@@��,,33::44//@@33����//1177::77BB7733AA

#(��������/<2��<B3@'7A9�'3A3/@16��<AB7BCB3����=<AC:B7<5�23D3:=>32�/<�K3/@B6?C/934:==2���&�1@3/B7=<�AC>>=@B�B==:L�4=@

E3:4/@3�4/17:7B73A�/<2�/�K@7A9�>@3271B7=<�B@/7<7<5�B==:L�4=@�E3:4/@3���<C@A7<5�1/@3�4/17:7B73A��/<2�035/<�=443@7<5�B63A3�B==:A

4@33�=4�16/@53��C@B63@;=@3������=@5/<7H3A�/<2�6=:2A���&��@3/B7=<�,=@9A6=>A�CA7<5�B67A�B==:�7<�1=;;C<7B73A�)63G�E7::

1=<B7<C3�B=�>@=D723�7<4=@;/B7=<�/<2�B==:A�B6/B�>@=D723�AC>>=@B�4=@�7<7B7/B7D3A�B=�>@3D3<B�/11723<BA�/<2�27A/AB3@A�@3:/B7<5�B=

B63�E3:4/@3�0CA7<3AA�/<2�B6/B�1=<B@70CB3�B=�3<AC@7<5�0CA7<3AA�1=<B7<C7BG�E63<�27A/AB3@A�=11C@

&&@@==DD77AA77==<<��==44��$$CC@@AA77<<55����//@@33��((33@@DD771133AA

#7BAC7�(C;7B=;=��<AC@/<13��/@3�$3BE=@9��=��"B2�7A�/�AC0A727/@G�=4�#(�

B6/B�>@=D723A�/�E723�@/<53�=4�A3@D713A�4=@�B63�/2D3<B�=4�/�AC>3@�/532

A=173BG�AC16�/A�<C@A7<5�6=;3A���-C�"743�-=9=6/;/���3AB/0:7A632�7<������

/<2��-C�"743�(3B/5/G/���3AB/0:7A632�7<� ������/A�E3::�/A�7<�6=CA3�<C@A7<5

1/@3�A3@D713A��-=9=6/;/��$/5=G/��)63G�/@3�6756:G�/>>@317/B32�4@=;

D/@7=CA�?C/@B3@A�/A�/�0CA7<3AA�=>3@/B=@�A3:31B32�/<2�B@CAB32�0G

1CAB=;3@A�0G�>@=D727<5�6756�?C/:7BG�<C@A7<5�1/@3�A3@D713A��=@�B637@

<C@A7<5�6=;3A��B63G�0@7<5�7<�/<7;/:�D=:C<B33@A�/<2�1=::/0=@/B3�E7B6

17B7H3<A�7<�:=1/:�1=;;C<7B73A��=@�3F/;>:3��B63G�6=:2�<C@A7<5�1/@3

A3;7</@A�4=@�:=1/:�@3A723<BA��/<2�1==@27</B3�E7B6�<3/@0G�<C@A3@G�A16==:A

ここ

Contributing to Resolution of Social Issues through the Business > Response to Aging Society

119

'36/07:7B/B7=<�B@/7<7<5�1=<2C1B32�/B

�=�"743�(67</5/E/

����4=1CA3A�=<�<C@A7<5�1/@3�>@3D3<B7=<�/<2�@36/07:7B/B7=<�B6@=C56�7BA

AC0A727/@G��C@3/7��=�"743�(3@D713�B6/B�=>3@/B3A�2/G�A3@D713�13<B3@A�7<

4=C@�:=1/B7=<A��37<5�/<�=>3@/B=@�=4�2/G�A3@D713�13<B3@A��E6716�7A

3F>31B32�B=�23;=<AB@/B3�7BA�@=:3�/A�/�4C<1B7=<�B=�AC>>=@B�7<23>3<23<13�=4

CA3@A��B63G�=443@�;CA1:3�B@/7<7<5�/<2�4C<1B7=</:�B@/7<7<5�>@=5@/;A�:32�0G

>6GA71/:�B63@/>7ABA�/<2�=B63@�A>317/:7ABA�7<�/<�/7;�B=�63:>�CA3@A�;/7<B/7<

B637@�>6GA71/:�4C<1B7=<A�/<2�5==2�63/:B6

�C@B63@;=@3��B63G�7<B3@/1B�E7B6�3:3;3<B/@G�/<2�8C<7=@�6756�A16==:A�7<�B63

<37560=@6==2��/113>B�D=:C<B33@A�B=�3F>3@73<13�/<2�ABC2G�/0=CB�E3:4/@3�=<

A7B3��/<2�/1B7D3:G�1==@27</B3�E7B6�D=:C<B33@�=@5/<7H/B7=<A��<�/227B7=<��B63G

1=<B7<C3�B=�3<5/53�7<�1=;;C<7BG�=@73<B32�/1B7D7B73A��AC16�/A�6=:27<5�/<

=>3<�6=CA3�/B�B63�E3:4/@3�B@/7<7<5�13<B3@�/<<3F32�B=�3/16�2/G�A3@D713

13<B3@�/<2�E3:1=;7<5�D=:C<B33@�=@5/<7H/B7=<A�/<2�0CA7<3AA�=>3@/B=@A�7<�B63�1=;;C<7BG������B7;3A�7<�47A1/:� �����/<2

=@5/<7H7<5�<C@A7<5�1/@3�A3;7</@A�4=@�<C@A7<5�1/@3�0CA7<3AA�=>3@/B=@A�7<�B63�1=;;C<7BG��C@B63@;=@3��B63G�>@=D723

7<4=@;/B7=<�<313AA/@G�4=@�<C@A7<5�1/@3�B6@=C56�=C@�E30A7B3�E63@3�B63G�A6=E�K�7@AB�<C@A7<5���/AG�<C@A7<5L�D723=A�=<

<C@A7<5�1/@3�B@/7<7<5�)63�7<4=@;/B7=<�7A�/D/7:/0:3�7<�B63;3A��7<1:C27<5�B63�0/A71�<C@A7<5�1/@3�327B7=<��6=E�B=�CA3�/

E633:16/7@��6=E�B=�A3:31B�/<2�CA3�<C@A7<5�1/@3�032A��0/A71�9<=E:3253�=<�23;3<B7/��/<2�0/B67<5�/AA7AB/<13

��<<AACC@@//<<1133��44==@@����==;;>>33<<AA//BB77<<55��((//:://@@7733AA����CC@@77<<55��$$CC@@AA77<<55����//@@33��""33//DD33

#(��/<2�����E7::�7<B@=2C13�/�KA>317/:�@723@�4=@�1=;>3<A/B7<5�<C@A7<5�1/@3�:3/D3�B/93<�4=@�>/@3<BAL�4=@�B63�53<3@/:�5@=C>

:7D3:76==2�>@=B31B7=<�7<AC@/<13�4=@�1=@>=@/B7=<A�/<2�0357<�A3::7<5�7B�4=@�7<AC@/<13�1=<B@/1BA�1=;;3<17<5�=<�=@�/4B3@

%1B=03@���� �����B�B63�A/;3�B7;3��B63G�E7::�=443@�/�KA>317/:�@723@�=443@7<5�:C;>�AC;�>/G;3<B�4=@�<C@A7<5�1/@3�4=@

>/@3<BAL�4=@�B63�53<3@/:�:=<5�B3@;�27A/07:7BG�7<AC@/<13���")���7<�/<�344=@B�B=�3F>/<2�B63�:7<3C>�=4�>@=2C1BA�B6/B�AC>>=@B

<C@A7<5�1/@3�4=@�>/@3<BA

�<�=@23@�4=@�3;>:=G33A�=4�1=;>/<73A��3B1�B=�1=<B7<C3�E=@97<5��<=B�=<:G�2=�B63G�<332�B=�>@=D723�4=@�B63;A3:D3A�0CB�/:A=

B=�>@3>/@3�4=@�<C@A7<5�1/@3�4=@�B637@�>/@3<BA�#/<G�3;>:=G33A�E6=�4/13�<C@A7<5�1/@3�4=@�B637@�>/@3<BA�/@3�7<�B637@���A�/<2

��A�/<2�03:=<5�B=�B63�;/</53@�AB@/B/�B6/B�B/93A�=<�B63�1=@3�@=:3�7<�=>3@/B7<5�B63�0CA7<3AA�4=@�/�1=;>/<G��3<13�/2=>B7<5

/�5@=C>�7<AC@/<13�AGAB3;��E6716�AC>>=@BA�B63�344=@B�=4�933>7<5�/�5==2�0/:/<13�03BE33<�E=@9�/<2�<C@A7<5�1/@3��7A

03<34717/:�4=@�0=B6�B63�1=;>/<G�/<2�7BA�3;>:=G33A�#(��/<2�����E7::�1=<B7<C3�B=�63:>�B637@�1=@>=@/B3�1CAB=;3@A�3AB/0:7A6

/<2�7;>@=D3�B637@�E=@9>:/13�3<D7@=<;3<B�E67:3�>@=D727<5�3;>:=G33A�7<D=:D32�7<�<C@A7<5�1/@3�/<2�B637@�4/;7:73A�E7B6

A=:CB7=<A�B=�;7B75/B3�1=<13@<A�7<�/<�/7;�B=�>@3D3<B�E=@93@A�4@=;�:3/D7<5�8=0A�B=�57D3�<C@A7<5�1/@3

((CC>>>>==@@BB��((33@@DD771133��44==@@����==;;>>//<<7733AA��BB==��!!3333>>��//����====22����//:://<<1133��0033BBEE3333<<��,,==@@99��//<<22��$$CC@@AA77<<55����//@@33

#(��/<2�����23D3:=>32�/�A3@D713�B=�AC>>=@B�6C;/<�@3A=C@13A�23>/@B;3<BA�=4�1=;>/<73A�7<�B637@�344=@B�B=�933>�/�5==2

0/:/<13�03BE33<�E=@9�/<2�<C@A7<5�1/@3�4=@�B637@�3;>:=G33A��<�B63�1C@@3<B�/532�A=173BG��A337<5�3;>:=G33A�:3/D3�8=0A�B=

57D3�<C@A7<5�1/@3�7A�/�>@3AA7<5�7AAC3�4=@�1=;>/<73A��A�AC16��B63G�2317232�B=�23D3:=>�/<2�>@=D723�/�16/@532�AC>>=@B

A3@D713�0/A32�=<�B63�7<7B7/B7D3A�>@3A3<B32�C<23@�B63�K;=23:�4=@�AC>>=@B7<5�0/:/<17<5�E=@9�/<2�4/;7:G�1/@3�/<2�>@3D3<B7<5

E=@93@A�4@=;�:3/D7<5�8=0AL�=4�B63�#7<7AB@G�=4��3/:B6��"/0=C@�/<2�,3:4/@3�,3�E7::�1=<B7<C3�B=�B/93�>/@B�7<�>@=;=B7<5�AB/0:3

;/</53;3<B�=4�1=;>/<73A�/<2�7<�@3/:7H7<5�/�E=@93@�4@73<2:G�A=173BG

##((��

��"/C<1632�7<� C<3� ������3D3:=>;3<B>@=D7A7=<�8=7<B:G�E7B6��<B3@'7A9�'3A3/@16��<AB7BCB3����=<AC:B7<5�/<2�#7BAC7�(C;7B=;=��<AC@/<13�/@3�$3BE=@9����AC>>=@B�A3@D713�4=@�57D7<5�/2D713�=<�723<B74G7<5�7AAC3A��A3BB7<5�B63�27@31B7=<�B=�;=D3�B=E/@2��3B1�0/A32�=<�B6347D3�7<7B7/B7D3A�>@3A3<B32�0G�B63�#7<7AB@G�=4��3/:B6��"/0=C@�/<2�,3:4/@3�7<�7BA�;=23:�4=@�AC>>=@B7<5�0/:/<17<5�=4�E=@9/<2�4/;7:G�1/@3�B=�>@3D3<B�E=@93@A�4@=;�:3/D7<5�8=0A�B=�1=<2C1B�<C@A7<5�1/@3L

������

��"/C<1632�7<� C:G� ������3D3:=>;3<B>@=D7A7=<�8=7<B:G�E7B6��C@3/7��=�"743�(3@D713��/<�/447:7/B3�>@=D727<5�<C@A7<5�1/@3�A3@D713����A3@D713�CA7<5�B63�K/AA3AA;3<B�A633B�4=@�;3/AC@3A�B=�0/:/<13�E=@9�/<2�<C@A7<5�1/@3L�B=�3D/:C/B3�B63�:3D3:�=4;3/AC@3A�4=@�0/:/<17<5�E=@9�/<2�<C@A7<5�1/@3�=4�/�1=;>/<G�/<2�=443@7<5�A3@D713A�B=�B63�1=;>/<G�4=@�6=:27<5A3;7</@A�23>3<27<5�=<�B63�AB/BCA�=4�;3/AC@3A��3AB/0:7A67<5�/�1=<AC:B7<5�23A9��3B1

ここ

Contributing to Resolution of Social Issues through the Business > Response to Aging Society

120

O)EF5J���C6D62C49�32D65�@?

:?5FDECJ24256>:2

4@==23@C2E:@?

O�@>AC696?D:G6�A2CE?6CD9:A

28C66>6?ED�H:E9�=@42=

8@G6C?>6?ED

O)FAA@CE�7@C�C68:@?2=

C6G:E2=:K2E:@?

O)FAA@CE�7@C�DFDE2:?23=6

56G6=@A>6?E�@7�D>2==�2?5

>65:F>D:K65�6?E6CAC:D6D

O'C@G:D:@?�@7�AC@5F4ED��

D6CG:46D�4@CC6DA@?5:?8�E@

?6H�C:D<D

O)FAA@CE�7@C�C6D@=G:?8�:DDF6D

@7�6>6C8:?8�4@F?EC:6D

*96�H62<6?:?8�@7�G:E2=:EJ�@7�=@42=�4@>>F?:E:6D�=625D�?@E�@?=J�E@�56A@AF=2E:@?�2?5�:?DF77:4:6?E�D@4:2=�D6CG:46D�3FE

2=D@�E@�G2C:@FD�@E96C�:DDF6D

-6�2C6�6?82865�:?�G2C:@FD�:?:E:2E:G6D�:?�!2A2?�2?5�23C@25��H:E9�E96�2:>�@7�4@?EC:3FE:?8�E@�E96�56G6=@A>6?E�@7

=@42=�2?5�:?E6C?2E:@?2=�4@>>F?:E:6D�-6�2C6�2=D@�<66A:?8�2?�6J6�@?�D@4:2=�:DDF6D�:?�56G6=@A:?8�4@F?EC:6D

$$22;;@@CC��((66DDFF==EEDD��::??����::DD4422==������ ��

))EEFF55JJ������CC66DD6622CC4499��3322DD6655��@@??

::??55FFDDEECCJJ2244225566>>::22

44@@====2233@@CC22EE::@@??��HH::EE99

FF??::GG66CCDD::EE::66DD����66EE44

��@@>>AACC669966??DD::GG66��AA22CCEE??66CCDD99::AA

2288CC6666>>66??EEDD��HH::EE99��==@@4422==

88@@GG66CC??>>66??EEDD

''CC@@GG::DD::@@??��@@77��AACC@@55FF44EEDD����

DD66CCGG::4466DD��44@@CCCC66DDAA@@??55::??88��EE@@

??66HH��CC::DD<<DD

��FFDD::??66DDDD��@@77��$$))������

ここ

Contributing to Resolution of Social Issues through the Business > Development of Local Communities

121

��D46?6�7C@>�E96�)>2CE��@C6DECJ�)J>A@D:F>

5566??EE::77JJ::??88��CC::DD<<DD��22??55��AACC@@GG::55::??88��::??77@@CC>>22EE::@@??��@@??��CC::DD<<DD

))EEFF55JJ������CC66DD6622CC4499��3322DD6655��@@??��::??55FFDDEECCJJ2244225566>>::22��44@@====2233@@CC22EE::@@??��HH::EE99��FF??::GG66CCDD::EE::66DD����66EE44

*96�$)���� ?DFC2?46��C@FA�AFCDF6D�:?:E:2E:G6D�2?5�DFAA@CED�24E:G:E:6D�7@C�E96�56G6=@A>6?E��AC24E:42=�2AA=:42E:@?��6E4�@7

25G2?465�E649?@=@8:6D�E9C@F89�7@C>:?8�:?5FDECJ24256>:2�4@==23@C2E:@?�2?5�A2CE?6CD9:AD�H:E9�F?:G6CD:E:6D�6?82865�:?

:??@G2E:G6�DEF5J�2?5�C6D62C49�36?67:4:2=�7@C�E96�?6IE�86?6C2E:@?

��??EECC22??4466��::??EE@@��22??�� ??55FFDDEECCJJ2244225566>>::22����@@====2233@@CC22EE::@@??����88CC6666>>66??EE��HH::EE99��**@@<<JJ@@����66??<<::��++??::GG66CCDD::EEJJ��77@@CC����66GG66==@@AA>>66??EE����

��@@>>>>66CC44::22==::KK22EE::@@??��@@77��((@@33@@EEDD����66EE44

?�&4E@36C��� ���$) �4@?4=F565�H:E9�*@<J@��6?<:�+?:G6CD:EJ�E96

��8C66>6?E�@?� ?5FDECJ�4256>:2��@==23@C2E:@?�7@C��6G6=@A>6?E�2?5

'C@>@E:@?�@7��5F42E:@?�2?5�(6D62C49�@?�(@3@E��6G6=@A>6?E��6E4��7@C

E96�7:CDE�E:>6�:?�E96�:?DFC2?46�:?5FDECJ

-9:=6�E96C6�2C6�DEC@?8�9@A6D�7@C�E96�56G6=@A>6?E�2?5�4@>>6C4:2=:K2E:@?

@7�C@3@ED�:?�G2C:@FD�D64E@CD��AC@A6C�C:D<�>2?286>6?E�>62DFC6D�>FDE�36

:>A=6>6?E65�:?�E96�AC@46DD�*@<J@��6?<:�+?:G6CD:EJ�6?8286D�:?�C6D62C49

C6=2E65�E@�E96�56G6=@A>6?E��6E4�@7�H@C<DFAA@CE:?8�C@3@ED��>65:42=

56G:46D�2?5�H6=72C6�6BF:A>6?E��J�6?E6C:?8�:?E@�E9:D�4@==23@C2E:@?

28C66>6?E�H:E9�$) ��H9:49�92D�2�EC24<�C64@C5�:?�23F?52?E�C:D<

>2?286>6?E�2?5�>2E49:?8�DFAA@CE�:?�E96�7:6=5�@7�C@3@E:4D��E96�F?:G6CD:EJ

AC@>@E6D�E96�D@F?5�2?5�D276�56G6=@A>6?E�2?5�6?92?46>6?E�@7�3FD:?6DD6D�C6=2E65�E@�C@3@ED��FCE96C>@C6��D:?46�!F=J

�� ��E96�F?:G6CD:EJ�92D�366?�A6C:@5:42==J�9@=5:?8�E96�)>2CE��@C6DECJ�)J>A@D:F>�H:E9�23@FE����:?DE:EFE:@?D��:?4=F5:?8

4@>A2?:6D��@C82?:K2E:@?D��2?5�=@42=�8@G6C?>6?ED�:?EC@5F465�3J�$) ��:?�2?�677@CE�E@�DEC6?8E96?�4@==23@C2E:@?�7@C

4@?D:56C:?8�E96�56G6=@A>6?E�2?5�FD6�@7�C@3@ED�:?�E96�7@C6DECJ�D64E@C

��::CCDDEE��::??��EE9966�� ??DDFFCC22??4466�� ??55FFDDEECCJJ��EE@@����@@====2233@@CC22EE66��HH::EE99��))99::8822��++??::GG66CCDD::EEJJ������::CCDDEE��++??::GG66CCDD::EEJJ��::??��!!22AA22??��EE@@����DDEE2233==::DD99

��66AA22CCEE>>66??EE��@@77����22EE22��))44::66??4466

?��AC:=��� ���� �6?E6C65�:?E@�2?�:?5FDECJ24256>:2�4@==23@C2E:@?�28C66>6?E�H:E9�)9:82�+?:G6CD:EJ��E96�7:CDE�F?:G6CD:EJ�:?

!2A2?�E@�6DE23=:D9�2�56A2CE>6?E�@7�52E2�D4:6?46� E�@A6?65�E96�!2A2?�)276EJ�)@4:6EJ�(6D62C49��6?E6C��E96�4@F?ECJLD

7:CDE�C6D62C49�D:E6�DA64:2=:K:?8�:?�3:8�52E2�7@C�E96�:?DFC2?46�:?5FDECJ��2E�)9:82�+?:G6CD:EJ�:?�@C56C�E@�A2G6�E96�H2J�7@C

AC@>@E:?8�7FCE96C�FD6�@7�3:8�52E2�$62?H9:=6��32D65�@?�E96�24BF:D:E:@?�@7��@I� ??@G2E:@?��C@FA��� ����E96�=2C86DE

E6=6>2E:4D�:?DFC2?46�3FD:?6DD�@A6C2E@C�:?�E96�+"���� �2=D@�D6==D�E96�=2C86DE�G@=F>6�@7�E6=6>2E:4D�2FE@�:?DFC2?46�:?

�FC@A6�E9C@F89� ?DFC6�*96��@I�� *����2�4@C6�4@>A2?J�@7�� ��E92E�>2:?E2:?D�@G6C���3:==:@?�<:=@3JE6D�@7�2FE@�:?DFC2?46

E6=6>2E:4D�52E2�*9FD��� �92D�366?�24E:G6=J�4@==64E:?8�3:8�52E2�2?5�AC@>@E:?8�D@A9:DE:42E65�FD6�@7�DF49�52E2�E9C@F89

G2C:@FD�AC@;64ED�:?�!2A2?�2?5�23C@25� E�:D�F?56C�E96D6�4:C4F>DE2?46D�E92E��� �92D�>2?2865�E@�7@C>�2�A2CE?6CD9:A�H:E9

)9:82�+?:G6CD:EJ��H9:49�6?8286D�:?�C6D62C49�@?�E96�FD6�@7�52E2�:?�G2C:@FD�7:6=5D�2?5�56G6=@A>6?E�@7�E6249:?8�>2E6C:2=D�7@C

52E2�D4:6?46�65F42E:@?��� �92D�5@?6�D@�:?�@FC�677@CE�E@�4@?EC:3FE6�E@�E96�4C62E:@?�@7�?6H�25565�G2=F6�2?5�E96

6DE23=:D9>6?E�@7�2�D276��D64FC6�D@4:6EJ

ここ

Contributing to Resolution of Social Issues through the Business > Development of Local Communities

122

�6C6>@?J�7@C� ?5FDECJ24256>:2��@==23@C2E:@?

�8C66>6?E�H:E9��F?>2�+?:G6CD:EJ

��??EECC22??4466��::??EE@@��22??�� ??55FFDDEECCJJ2244225566>>::22����@@====2233@@CC22EE::@@??����88CC6666>>66??EE��HH::EE99����FF??>>22��++??::GG66CCDD::EEJJ��77@@CC��((66DD6622CC4499

��@@??4466CC??::??88��))@@44::66EE22==�� >>AA==66>>66??EE22EE::@@??��@@77��%%66IIEE����66??66CC22EE::@@??��$$@@33::==::EEJJ

-:E9�2�G:6H�E@�AC@>@E:?8�C6D62C49�4@?46C?:?8�D@4:2=�:>A=6>6?E2E:@?�@7

?6IE86?6C2E:@?�>@3:=:EJ���� �2?5��F?>2�+?:G6CD:EJ�6?E6C65�:?E@�2

4@==23@C2E:@?�28C66>6?E�:?��646>36C��� ��*96�AFCA@D6�:D�E@�3F:=5�2

4@@A6C2E:?8�DECF4EFC6�32D65�@?�E96�DA:C:E�@7�C64:AC@4:EJ�:?�2C62D�H96C6

>FEF2=�4@==23@C2E:@?�:D�A@DD:3=6�:?�E6C>D�@7�C6D62C49���56G6=@A>6?E�2?5

A6CD@??6=�6I492?86�2?5�56G6=@A>6?E��� �H:==�4@@A6C2E6�H:E9�E96

F?:G6CD:EJ�:?�AFCDF:?8�C6D62C49�E@H2C5�D@4:6E2=�:>A=6>6?E2E:@?�2?5

4@>>6C4:2=:K2E:@?�@7�?6IE86?6C2E:@?�>@3:=:EJ�7@C�249:6G:?8�7F==J

2FE@?@>@FD�2FE@>2E:4�5C:G:?8

''CC66GG66??EE::??88��CC::DD<<DD��77CC@@>>��3366::??88��CC6622==::KK6655������CC6655FF44::??88��EE9966��::>>AA2244EE��@@77��CC::DD<<DD

((6688::@@??22==��((66GG::EE22==::KK22EE::@@??��))FFAAAA@@CCEE

*96�:?:E:2E:G6�E@�AC@>@E6�C68:@?2=�C6G:E2=:K2E:@?�:D�@?6�@7�E96�AC:@C:EJ�@?6D�@7�E96�!2A2?6D6�8@G6C?>6?E�2?5�:D�36:?8

AFCDF65�24C@DD�E96�4@F?ECJ�2D�2�>62DFC6�282:?DE�C2A:5�A@AF=2E:@?�564=:?6�2?5�28:?8�D@4:6EJ�*96�$)���� ?DFC2?46��C@FA

DFAA@CED�C68:@?2=�C6G:E2=:K2E:@?�3J�96=A:?8�:?5FDEC:2=�56G6=@A>6?E�24E:G:E:6D�E92E�>66E�E96�492C24E6C:DE:4D�@7�6249�C68:@?

((6688::@@??22==��((66GG::EE22==::KK22EE::@@??��))FFAAAA@@CCEE��$$66??FF

$) �:>A=6>6?ED�E96�M(68:@?2=�(6G:E2=:K2E:@?�)FAA@CE�$6?FN�:?�4@==23@C2E:@?�H:E9�=@42=�8@G6C?>6?ED��6E4�E@�56G6=@A�2?5

DFAA@CE�D>2==�3FD:?6DD�@H?6CD�2?5�6?EC6AC6?6FCD�H:E9�E96�2:>�@7�C6G:E2=:K:?8�C68:@?2=�64@?@>:6D

*9:D�$6?F�:D�2�A24<286�E92E�4@?E2:?D�E96�<?@H9@H�244F>F=2E65�E9FD�72C�3J�E96�$) �$2?286>6?E�)FAA@CE��6?E6C�@?

MH@C<:?8�DEJ=6�C67@C>�DFAA@CE��A6CD@??6=�2?5�=23@C��N�MD2=6D�492??6=�6IA=@:E:?8��>2C<6E:?8�42A23:=:EJ�6?92?46>6?E�

DFAA@CE�N�M6?EC6AC6?6FC�56G6=@A>6?E�N�MDF446DD@C�56G6=@A>6?E�N�M:?3@F?5�3FD:?6DD�DFAA@CEN�2?5�>@C6� E�42?�36

56A=@J65�2D�2�AC@8C2>�:?�6249�C68:@?�-@C<:?8�H:E9�C68:@?2=�8@G6C?>6?ED�2?5�@E96C�A2CE:6D��$) �:D�H@C<:?8�E@�@776C

D6>:?2CD�2?5�:?5:G:5F2=�2DD:DE2?46�H:E9�E96�@3;64E:G6�@7�6?23=:?8�D>2==�3FD:?6DD�@H?6CD�2?5�6?EC6AC6?6FCD�E@�4@?E:?F6

249:6G:?8�DFDE2:?23=6�8C@HE9�:?56A6?56?E=J

((6688::@@??22==��((66GG::EE22==::KK22EE::@@??��''CC@@;;6644EE

�� �C64@8?:K6D�G2=F6�:?�36:?8�M=@42=�4@>>F?:EJ@C:6?E65N�2D�D6E�7@CE9�:?�:ED�24E:@?�8F:56=:?6D�2?5�92D�2=H2JD�G2=F65�:ED

E:6D�H:E9�=@42=�4@>>F?:E:6D�:?�AFCDF:?8�36==�>2C<32D65��)(�24E:G:E:6D��DFAA@CE:?8�DA@CE:?8�6G6?ED�7@C�A6CD@?D�H:E9

5:D23:=:E:6D��2?5�E2<:?8�@E96C�:?:E:2E:G6D� ?�7:D42=��� ����� �=2F?4965�2�C68:@?2=�C6G:E2=:K2E:@?�AC@;64E�:?�C6DA@?D6�E@�E96

>@G6>6?ED�E@�AC@>@E6�C68:@?2=�C6G:E2=:K2E:@?�24C@DD�E96�4@F?ECJ��� �3682?�DFAA@CE:?8�C68:@?2=�C6G:E2=:K2E:@?�677@CED�3J

AC@G:5:?8�2�>6?F�@7�36?67:4:2=�D@=FE:@?D�7@C�:DDF6D�C6=2E:?8�E@�M4@>>F?:E:6D��A6@A=6��2?5�;@3DN�@7�C68:@?D��J�H@C<:?8

E@86E96C�H:E9�=@42=�8@G6C?>6?ED�2?5�7:?2?4:2=�:?DE:EFE:@?D��4@>A2?:6D��6E4�:?�=@42=�4@>>F?:E:6D���� �H:==�H:56?�@FC�?6EH@C<

:?�6249�C68:@?�2?5�4C62E6�2�46CE2:?�7@C>�@7�M=@42=�4@>>F?:EJ@C:6?E65N�DEJ=6

ここ

Contributing to Resolution of Social Issues through the Business > Development of Local Communities

123

��82E96C:?8�E@�D9@H�8C2E:EF56

��@@====2233@@CC22EE::@@??��������@@>>AACC669966??DD::GG66��''22CCEE??66CCDD99::AA����88CC6666>>66??EE����66EE44��HH::EE99��##@@4422==����@@GG66CC??>>66??EEDD

*96�$)���� ?DFC2?46��C@FA�6?E6CD�:?E@�4@==23@C2E:@?�2?5�4@>AC696?D:G6�A2CE?6CD9:A�28C66>6?ED��6E4�H:E9�=@42=

8@G6C?>6?ED�E92E�AC@>@E6�25>:?:DEC2E:G6�>62DFC6D�E@H2C5�C6G:E2=:K:?8�=@42=�64@?@>:6D�2?5�3F:=5:?8�D276�2?5�D64FC6

4@>>F?:E:6D�*96��C@FA�2=D@�AC@G:56D�C:D<�4@?DF=E:?8�D6CG:46D�2?5�AC@>@E6D�:?5FDEC:2=�56G6=@A>6?E�3J�67764E:G6=J�>2<:?8

FD6�@7�E96�F?:BF6�492C24E6C:DE:4D�@7�6249�C68:@?�*96D6�:?:E:2E:G6D�2C6�E2<6?�:?�2?�677@CE�E@�4@?EC:3FE6�E@�E96�56G6=@A>6?E

@7�2�D276�2?5�D64FC6�D@4:6EJ�-6�H:==�AC@>@E6�AF3=:4AC:G2E6�A2CE?6CD9:AD�2?5�H@C<�E@�3F:=5�C6D:=:6?E�4@>>F?:E:6D

$$22;;@@CC�� ??::EE::22EE::GG66DD

''CC@@>>@@EE::@@??��@@77��DD227766����22AAAACC@@AACC::22EE66FFDD66��@@77��33::44JJ44==66DD

$) ���� ��2?5�2F� ?DFC2?46�4@?4=F565�2�3FD:?6DD�4@==23@C2E:@?�28C66>6?E�H:E9&D2<2�'C6764EFC6�32D65�@?�E96�6?7@C46>6?E�@7�E96�M&C5:?2?46�7@C�E96�'C@>@E:@?@7�)276�2?5��AAC@AC:2E6�+D6�@7��:4J4=6D�:?�&D2<2�'C6764EFC6N��96C6:?27E6C�C676CC65E@�2D�E96�M�:4J4=6�&C5:?2?46N��*96D6�:?DFC6CD�92G6�368F?�@776C:?8�A=2?D�H:E9�=@H:?DFC2?46�AC6>:F>D�E92E�42?�36�AFC492D65�3J�2�H:56�C2?86�@7�C6D:56?ED�:?�&D2<2�2DH6==�2D�A=2?D�E92E�@776C�DF77:4:6?E�4@G6C286�7@C�E96�6?E:C6�72>:=J

��FF::==55::??88��CC66DD::==::66??EE��44@@>>>>FF??::EE::66DD

*96�$)���� ?DFC2?46��C@FA�DFAA@CED�2?5�2DD:DED�=@42=�8@G6C?>6?ED�2?5�=@42=4@>A2?:6D�:>A=6>6?E�4C:D:D�>2?286>6?E�>62DFC6D�:?�AC6A2C2E:@?�7@C�?2EFC2=5:D2DE6CD�2?5�@E96C�F?7@C6D66?�D:EF2E:@?D��� �4@?EC:3FE6D�E@�3F:=5:?8�4@>>F?:E:6DE92E�2C6�C6D:=:6?E�E@�5:D2DE6CD�E9C@F89�9@=5:?8���'���FD:?6DD��@?E:?F:EJ�'=2?�D6>:?2CD�2?5�DFAA@CE:?8�C:D<�>2?286>6?E�3J�FD:?8�E96���'�7@C>F=2E:@?�<:E

))FFAAAA@@CCEE��77@@CC��44@@>>AA22??::66DD��66??EE66CC::??88@@GG66CCDD6622DD��>>22CC<<66EEDD

$) �6?E6C65�:?E@�2�A2CE?6CD9:A�28C66>6?E�H:E9�$:J28:�'C6764EFC6��6E4�2?5�92D�366?4@?5F4E:?8�DFAA@CE�24E:G:E:6D�FD:?8�:ED�:?E6C?2E:@?2=�?6EH@C<D�56A=@J65�:?�G2C:@FD4@F?EC:6D��DF49�2D�AC@G:5:?8�4@>A2?:6D�E92E�92G6�6?E6C65�@G6CD62D�>2C<6ED�H:E9:?7@C>2E:@?�@?�A@=:E:4D��64@?@>J��=:G6=:9@@5��D276EJ���6E4�@7�@G6CD62D�4@F?EC:6D�9@=5:?8�D6>:?2CD�2?5�:?5:G:5F2=�4@?DF=E:?8�D6DD:@?D�7@C�4@>A2?:6D�@A6C2E:?8�:?@G6CD62D�>2C<6ED��2?5�AC@G:5:?8�:?7@C>2E:@?�=@42==J�E@�@3D6CG2E:@?�E62>D�G:D:E:?8@G6CD62D�=@42E:@?D

))FFAAAA@@CCEE��77@@CC��EE9966��5566GG66==@@AA>>66??EE��@@772288CC::44FF==EEFFCC66

*96�$)���� ?DFC2?46��C@FA�DFAA@CED�C68:@?2=�C6G:E2=:K2E:@?�E9C@F89�2DD:DE:?8�:?:?5FDEC:2=�56G6=@A>6?E�@7�C68:@?D�244@C5:?8�E@�E96�492C24E6C:DE:4D�@7�6249�C68:@?�� �4@==23@C2E6D�H:E9�=@42=�8@G6C?>6?ED�2?5�=@42=�7:?2?4:2=�:?DE:EFE:@?D�:?�9@=5:?8C:D<�>2?286>6?E�D6>:?2CD�7@C�D:IE9D64E@C�:?5FDEC:2=:K2E:@?�@7�28C:4F=EFC6�2?5�E2<:?8@E96C�:?:E:2E:G6D

**9966��((6688::@@??22==����������==FF33

*96�(68:@?2=�����=F3�:?DE:EFE65�2E��� �6?8286D�:?�4@>>F?:EJ�4@?EC:3FE:@?

24E:G:E:6D��DF49�2D�9@=5:?8�G2C:@FD�D6>:?2CD�2?5�9@DE:?8�6G6?ED�7@C�:?E6C

:?5FDEC:2=�6I492?86� ?�255:E:@?��E96�4=F3�@A6C2E6D�2�H63D:E6�7@C�6249�@7

E96����AC6764EFC6D�2?5�AC@G:56D�=@42==J�@C:6?E65�:?7@C>2E:@?�2?5�3FD:?6DD

:?7@C>2E:@?�G:2�H63D:E6�2?5�>2:=�?6HD

?�7:D42=��� ���@G6C�������4@>A2?:6D�?6H=J�A2CE:4:A2E65�:?�E96D6�6G6?ED� ?

7:D42=��� ����� �H:==�@C82?:K6�AC@8C2>D�2:>65�2E�C68:@?2=�C6G:E2=:K2E:@?�

:?4=F5:?8�D6>:?2CD�7@C�>2?286>6?E�:?�=@42=�4@>A2?:6D��6G6?ED�E@�AC@>@E6

6I492?86�2>@?8�C62=�6DE2E6�3FD:?6DD�@H?6CD��2?5�6G6?ED�7@C�24E:G2E:?8

C68:@?2=�C6G:E2=:K2E:@?�677@CED��� �H:==�2=D@�4@?E:?F6�E@�6?8286�:?�36==>2C<

24E:G:E:6D�2?5�24E:G:E:6D�E@�6?DFC6�E96C6�2C6�?@�244:56?ED�2D�A2CE�@7�:ED

677@CED�E@�249:6G6�4@>>F?:EJ�4@?EC:3FE:@?

*96�(68:@?2=�����=F3

ここ

Contributing to Resolution of Social Issues through the Business > Development of Local Communities

124

**9966��MM$$))�������� ??DDFFCC22??4466����CC@@FFAA����HH22CC55NN��77@@CC��,,66??EEFFCC66����@@>>AA22??::66DD

?��63CF2CJ��� ���$) �82G6�ME96�$:EDF:�)F>:E@>@� ?DFC2?46��H2C5N�E@�E9C66�G6?EFC6�4@>A2?:6D�2E�E96�3FD:?6DD�4@?E6DE

M$ (� ��� �N�@C82?:K65�3J�2�4@CA@C2E6�4@?D@CE:F>�� ?4F32E:@?��� ??@G2E:@?� ?:E:2E:G6��M$ (� ��� �N�:D�!2A2?LD�=2C86DE

=6G6=�3FD:?6DD�4@?E6DE�2:>65�2E�DFAA@CE:?8�E96�4C62E:@?�2?5�8C@HE9�@7�3FD:?6DD6D�E92E�42?�92G6�2?�:>A24E�@?�D@4:6EJ

)6G6C2=�@C:8:?2=�E96>6D�566A=J�4@??64E65�H:E9�:?DFC2?46�H6C6�D6E�2?5�:562D�H6C6�H:56=J�D@=:4:E65�7C@>�4@CA@C2E:@?D�2?5

:?5:G:5F2=D�*96�E9C66�4@>A2?:6D�E92E�C646:G65�E96�2H2C5�92G6�9:89�277:?:EJ�H:E9�E96�3FD:?6DD�@7�$) �2=@?8�H:E9�6I46==6?E

<?@H9@H��2?5�$) �H:==�368:?�4@?D:56C:?8�AFCDF:?8�4@==23@C2E:@?�:?�6249�@7�E96�C6=6G2?E�7:6=5D�8@:?8�7@CH2C5�$) �H@C<D�E@

56G6=@A�:??@G2E:G6�AC@5F4ED�2?5�D6CG:46D�E9C@F89�AFCDF:?8�4@==23@C2E:@?�H:E9�G2C:@FD�4@>A2?:6D�2?5�H:56=J�:?4@CA@C2E:?8

6IE6C?2=�:?D:89ED�2?5�<?@H9@H

((6655FF44::??88��EE9966��6644@@??@@>>::44��33FFCC5566??��HH9966??��CC::DD<<DD��336644@@>>66��CC6622==

))FFAAAA@@CCEE��77@@CC��))FFDDEE22::??2233==66����66GG66==@@AA>>66??EE��@@77��))>>22====��22??55��$$::5555==66DD::KK6655����@@>>AA22??::66DD

�@C�>2?J�4@>A2?:6D��@G6CD62D�6IA2?D:@?�:D�2�4C:E:42=�3FD:?6DD�DEC2E68J�:DDF6��@C�6I2>A=6��D9C:?<:?8�5@>6DE:4�>2C<6ED

2C6�EC:886C:?8�6IA2?D:@?D�:?E@�@G6CD62D�>2C<6ED��2?5�:?4C62D:?8�@G6CD62D�@A6C2E:@?D�:D�C6BF:C:?8�DA64:2=�>62DFC6D�2D�2

DFAA=:6C��2?5�C6BF:C:?8�5:G6CD:7J:?8�C:D<�724E@CD�DF49�2D�4@?D:56C:?8�?2EFC2=�5:D2DE6CD�H96?�=@42E:?8�AC@5F4E:@?�D:E6D�*96

$)���� ?DFC2?46��C@FA�AC@G:56D�AC@5F4ED�2?5�D6CG:46D�:?�AC6A2C2E:@?�7@C�G2C:@FD�C:D<D�2C:D:?8�7C@>�6IA2?5:?8�@A6C2E:@?D

@G6CD62D

))FFAAAA@@CCEE::??88��))>>22====��22??55��$$6655::FF>>DD::KK6655����@@>>AA22??::66DD��EE@@����IIAA22??55��&&GG66CCDD6622DD��&&AA66CC22EE::@@??DD

$) �92D�366?�46CE:7:65�2D�2�DFAA@CE:?8�@C82?:K2E:@?�7@C�M%6H��IA@CE:?8�'@H6C��@?D@CE:F>N�E92E�:D�E96�=2E6C�DJDE6>�@7

M)$�LD�&G6CD62D��6G6=@A>6?E��2DEA2DDN�*9C@F89�E9:D�DJDE6>��$) �AC@G:56D�2AAC@AC:2E6�25G:46�C682C5:?8�=@42=�C:D<

>2?286>6?E�2?5�86?6C2=�>2EE6CD�23@FE�:?DFC2?46�FD:?8�@FC�@G6CD62D�?6EH@C<��H9:49�:?4=F56D����4@F?EC:6D

��@@>>AACC669966??DD::GG66����==@@3322==����FFDD::??66DDDD����@@>>AA66??DD22EE::@@??��''==22??

$) �2?5��� �;@:?E=J�56G6=@A65�2?5�=2F?4965�E96���@>AC696?D:G6��=@32=��FD:?6DD��@>A6?D2E:@?�'=2?���2�AC@5F4E

E2C86E65�2E�D>2==�2?5�>65:F>D:K65�6?E6CAC:D6D�E92E�2C6�6IA2?5:?8�@G6CD62D��@4FD:?8�@?�E96�E9C66�EJA6D�@7�C:D<D�E92E

2C6�D92C65�3J�>2?J�4@>A2?:6D�6IA2?5:?8�@G6CD62D�2?5�6IA@CE�4@>A2?:6DC:D<D�C6=2E65�E@�AC@5F4ED�7@C�6IA@CE��C:D<D

C6=2E65�E@�3FD:?6DD�EC2G6=6CD�2?5�6IA2EC:2E6D��2?5�C:D<D�C6=2E65�E@�EC2?DA@CE�42C8@�2?5�6IA@CE�EC2?D24E:@?D��E9:D�AC@5F4E

A24<286D�E96�7:G6�:?DFC2?46�AC@5F4ED�E92E�H:56=J�4@G6C�E96D6�C:D<D�:?E@�2�D:?8=6�A=2?� ?�255:E:@?��:E�@776CD�6?92?465

4@>A6?D2E:@?�:?�E96�6G6?E�@7�2?�244:56?E��2D�H6==�2D�D6CG:46D�2?5�DJDE6>D�E92E�AC@G:56�DFAA@CE�7C@>�6G6CJ52J�E2D<D�E@

6>6C86?4J�C6DA@?D6�*9C@F89�E96D6�>62?D��:E�724:=:E2E6D�E96�D>@@E9�@A6C2E:@?�@7�3FD:?6DD�24E:G:E:6D�@G6CD62D

ここ

Contributing to Resolution of Social Issues through the Business > Development of Local Communities

125

0'C@5F4ED�:?4=F565�:?�E96�A=2?1

� ��&G6CD62D�AC@5F4E�=:23:=:EJ�:?DFC2?46��$) ����FD:?6DD�'C@E64E@C��7@C�@G6CD62D�6IA@CE������ ���*@F89��:K��=@32=�'#��

����&G6CD62D��C:D:D�$2?286>6?E��IA6?D6� ?DFC2?46

����&G6CD62D�EC2G6=�:?DFC2?46��4@>AC696?D:G6�4@?E24E�7@C�4@CA@C2E:@?D�

�����IA@CE�EC256�4C65:E�:?DFC2?46

����&462?8@:?8�>2C:?6�42C8@�:?DFC2?46��A6E�?2>6���=@32=�)FAA@CE�&?6��

��::CC66�� ??DDFFCC22??4466��77@@CC��))>>22====��22??55��$$6655::FF>>DD::KK6655����??EE66CCAACC::DD66DD

$) �2?5��� �;@:?E=J�56G6=@A65�2�7:C6�:?DFC2?46�E2C86E65�2E�D>2==�2?5�>65:F>D:K65�6?E6CAC:D6D��2?5�4@>>6?465�D2=6�@7

E96�AC@5F4E�H9:49�DE2CE65�E96�:?DFC2?46�A6C:@5�7C@>� �&4E@36C��� �� ?�255:E:@?�E@�E96�:?EC@5F4E:@?�@7�E96�:?DFC2?46

AC6>:F>D�5:D4@F?E�DJDE6>�244@C5:?8�E@�24EF2=�C:D<D��:E�:D�>256�A@DD:3=6�E@�7=6I:3=J�4FDE@>:K6�:?�244@C52?46�H:E9�E96

?665D�@7�4FDE@>6CD��DF49�2D�D6EE:?8�E96�2>@F?E�@7�565F4E:3=6D�3J�EJA6D�@7�244:56?ED��2?5�255:?8�4@G6C286�7@C�52>286D

7C@>�3FD:?6DD�DFDA6?D:@?�2?5�:?56>?:EJ�=:23:=:E:6D

��66GG66==@@AA>>66??EE��@@77��''CC@@55FF44EEDD��22??55��))66CCGG::4466DD��((66DDAA@@??55::??88��EE@@��%%66HH��((::DD<<DD

*96�$)���� ?DFC2?46��C@FA�:D�7@4FD:?8�@?�7:6=5D�6>A92D:K65�3J�E96�!2A2?6D6�8@G6C?>6?ELD�8C@HE9�DEC2E68J�2?5

56G6=@A:?8�?6H�AC@5F4ED�56D:8?65�E@�@776C�@AE:>2=�4@G6C286�@7�E96�?6H�<:?5D�@7�C:D<D�2?5�?665D�H6�6IA64E�E@�36

86?6C2E65�3J�E96�8C@HE9�DEC2E68JLD�:>A=6>6?E2E:@?

$) �2?5��� �92G6�366?�24E:G6=J�6?82865�:?�E96�;@:?E�56G6=@A>6?E�@7�AC@5F4ED�*96J�92G6�=2F?4965�AC@5F4ED�E@�DFAA@CE

@G6CD62D�6IA2?D:@?�@7�D>2==�2?5�>65:F>D:K65�6?E6CAC:D6D��E9@D6�E@�3@@DE�E96�FE:=:K2E:@?�@7�C6?6H23=6�6?6C8J��2?5�E9@D6

E@�4@G6C�C:D<D�@7�E96�6IE6?5:?8�962=E9J�=:76DA2?D�:?5FDECJ�:?4=F5:?8�>65:4:?6��?FCD:?8�42C6��2?5�H6=72C6� ?�255:E:@?��E96J

H:==�56G6=@A�2?5�DAC625�:?�2�E:>6=J�>2??6C�AC@8C6DD:G6�AC@5F4ED�2?5�D6CG:46D�:?�C6DA@?D6�E@�?6H�C:D<D��:?4=F5:?8�AC@5F4ED

C6DA@?5:?8�E@�E96�?665D�7@C�>62DFC6D�282:?DE�4J36C�C:D<D

''CC@@55FF44EEDD��EE@@����@@GG66CC����JJ3366CC��((::DD<<DD

$) �2?5��� �;@:?E=J�56G6=@A65�2?5�=2F?4965�:?DFC2?46�AC@5F4ED�E92E�4@>AC696?D:G6=J�4@G6C�C:D<D�2C:D:?8�7C@>�4J36C

2EE24<D� ?�C646?E�J62CD��4J36C2EE24<D��DF49�2D�6>2:=D�E92E�E2C86E�4@>A2?:6D�2?5�@C82?:K2E:@?D��92G6�366?�8C@H:?8�:?

?F>36C�2?5�364@>:?8�:?4C62D:?8=J�D@A9:DE:42E65�:?�>6E9@5D�2AA=:65��42FD:?8�>@C6�D6C:@FD�52>286�):?46�:E�92D�364@>6

2?�:>A@CE2?E�:DDF6�7@C�4@CA@C2E6�>2?286>6?E�E@�E2<6�>62DFC6D�282:?DE�DF49�C:D<D��H6�92G6�56G6=@A65�:?DFC2?46�AC@5F4ED

E@�4@G6C�52>286�C6=2E65�E@�4J36C2EE24<D��:?4=F5:?8�:?7@C>2E:@?�=62<286�2?5�52>286�E@�@A6C2E:@?D�@7�2?@E96C�A2CEJ� ?

255:E:@?�E@�@776C:?8�4@G6C286�7@C�52>286��@FC�AC@5F4ED�2=D@�4@G6C�E96�G2C:@FD�4@DED�?646DD2CJ�E@�C6DA@?5�E@�244:56?ED

*96J�2=D@�@776C�2?�@AE:@?2=�4@G6C286�7@C�E96�=@DD�@7�AC@7:E�42FD65�3J�2�DFDA6?D:@?�@C�92=E�@7�?6EH@C<D

�FCE96C>@C6��:7�52>286�2C:D6D�5F6�E@�2�4J36C2EE24<��6E4��H6�AC@G:56�2�MDA64:2=:DE�:?EC@5F4E:@?�D6CG:46N�@7�:?EC@5F4:?8

6IA6C:6?465�DA64:2=:DE�4@>A2?:6D��:7�C6BF6DE65�3J�@FC�4FDE@>6C��7@C�:?G6DE:82E:?8�42FD6D�:?�2�H2J�E92E�C6BF:C6D�6IA6CE:D6

2?5�E649?@=@8J��2?5�562=:?8�H:E9�E96�244:56?E��:?4=F5:?8�AC6D6CG2E:@?�@7�6G:56?46� ?�255:E:@?��7@C�D>2==2?5>:5D:K6

6?E6CAC:D6D��E96J�@776C�2�7C66@7492C86�D6CG:46�MDE2?52C5�>2:=�EC2:?:?8�D6CG:46N�E@�DFAA@CE�E96�:>A=6>6?E2E:@?�@7�4J36C

D64FC:EJ�>62DFC6D�*9:D�D6CG:46�6?E2:=D�EC2?D>:EE:?8�2�EC2:?:?8�6>2:=�:?�2�DE2?52C5�7@C>2E�E@�E96�6>A=@J66D��FA�E@� ��

A6CD@?D��@7�2�4@>A2?J��2?5�AC@G:5:?8�2�D:>A=6�C6A@CE�E92E�:?4=F56D�25G:46�7@C�E96�7FEFC6�4@>A:=65�3J� ?E6C(:D<�(6D62C49

?DE:EFE6����@?DF=E:?8�32D65�@?�E96�DE2EFD�@7�4=:4<:?8�E96�+(#�:?5:42E65�@?�E96�6>2:=�D6?E�@FE� ?�255:E:@?��E96J�@776C�2

M4J36C2EE24<�52>286�42=4F=2E:@?�D6CG:46N�:?�H9:49�H6�4@?5F4E�D:>A=:7:65�42=4F=2E:@?D�@7�52>286�42FD65�3J�2�4J36C

2EE24<�F?56C�7@FC�D46?2C:@D��DF49�2D�M=62<286�@7�A6CD@?2=�:?7@C>2E:@?�N�32D65�@?�E96�4FDE@>6CLD�C6DA@?D6D�E@�2�DE2?52C5

D6E�@7�BF6DE:@?D����BF6DE:@?D�

ここ

Contributing to Resolution of Social Issues through the Business > Development of Local Communities

126

��66GG66==@@AA>>66??EE��@@77��22����@@>>AACC669966??DD::GG66����@@GG66CC228866��''==22??��77@@CC��&&AA66CC22EE::@@??��**66DDEE��@@77����FFEE@@>>22EE6655����CC::GG::??88

$) �2?5��� �D6==�E96�M�@>AC696?D:G6��@G6C286�'=2?�7@C��FE@?@>@FD��CF:D:?8��6>@?DEC2E:@?��IA6C:>6?EDN�E@�4@G6C

C:D<D�DFCC@F?5:?8�6IA6C:>6?ED�FD:?8�2FE@?@>@FD�42CD

-:E9�E96�AC@8C6DD�:?�25G2?465�2FE@>@3:=6�E649?@=@8J�2?5�E96�2446=6C2E:@?�@7�C6D62C49�5F6�E@�E96�8@G6C?>6?E�D�8C@HE9

DEC2E68J��6E4��E96J�2C6�D66:?8�>@C6�24E:@?D�3J�E96�AF3=:4�2?5�AC:G2E6�D64E@CD�7@C�E96�56G6=@A>6?E�2?5�8C@HE9�@7

2FE@?@>@FD�42CD� E�:D�6IA64E65�E@�C65F46�EC277:4�244:56?ED��D@=G6�EC277:4�;2>D��2?5�DFAA@CE�>@3:=:EJ�@7�E96�6=56C=J�&?�E96

@E96C�92?5��D:?46�E96�56G6=@A>6?E�@7�2FE@?@>@FD�42CD�?665D�C6A62E65�AC24E:42=�6IA6C:>6?ED�H9:49�6?E2:=�G2C:@FD�C:D<D�

E96J�92G6�56G6=@A65�E9:D�A=2?�E@�4@>AC696?D:G6=J�4@G6C�C:D<D�DFCC@F?5:?8�4@>A2?:6D�6?82865�:?�E96�6IA6C:>6?ED

*9C@F89�E9:D�A=2?��$) �2?5��� �H:==�4@?EC:3FE6�E@�E96�C62=:K2E:@?�@7�2�D64FC6��D276�2?5�4@>7@CE23=6�D@4:6EJ�H:E9

2FE@?@>@FD�42CD

��@@GG66CC::??88��((66AA22CC22EE::@@??��((::DD<<DD�� ??44FFCCCC6655��::??��44@@????6644EE::@@??��HH::EE99�� ??EE66CC??22EE::@@??22==��$$22CC::EE::>>66��**CC22??DDAA@@CCEE22EE::@@??��@@77����22KK22CC55@@FFDD

$$22EE66CC::22==DD

$) �2?5��� �D6==�E96�M�2K2C5@FD�$2E6C:2=�*C2?DA@CE2E:@?�#:23:=:EJ� ?DFC2?46N�E92E�4@>AC696?D:G6=J�4@G6CD�C6A2C2E:@?

C:D<D�@7�D9:AA6CD�:?�:?E6C?2E:@?2=�>2C:E:>6�EC2?DA@CE2E:@?�@7�92K2C5@FD�>2E6C:2=D

�7E6C�E96�6IA=@D:@?�244:56?E�2E�E96�A@CE�@7�*:2?;:?���9:?2��H9:49�@44FCC65�:?��F8FDE��� ���E96C6�:D�2�96:89E6?65�:?E6C6DE�:?

C:D<D�7@C�EC2?DA@CE2E:@?�2?5�DE@C286�@7�7=2>>23=6�2?5�6IA=@D:G6�92K2C5@FD�>2E6C:2=D� ?�255:E:@?��:E�:D�6IA64E65�E@�36

4=2C:7:65�3J�E96�D4965F=65�2>6?5>6?E�@7�E96��@>>6C4:2=��@56�:?�E96�7FEFC6�E92E�D9:AA6CD�H:==�36�@3=:865�E@�?@E:7J

EC2?DA@CE6CD�E92E��*C2?DA@CE65�42C8@6D�2C6�92K2C5@FD�>2E6C:2=D���2?5�:7�2?�2AAC@AC:2E6�?@E:7:42E:@?�:D�?@E�>256��4@DE=J

52>286D�>2J�36�4=2:>65��44@C5:?8=J��E96J�92G6�56G6=@A65�2�?6H�AC@5F4E�E@�H:56=J�4@G6C�D9:AA6CD��C:D<D�7@C�C6A2EC:2E:@?�

E2C86E:?8�4FDE@>6CD�DF49�2D�496>:42=�>2?F724EFC6CD�2?5�EC25:?8�4@>A2?:6D�$) �2?5��� �H:==�4@?EC:3FE6�E@�E96�4C62E:@?

@7�2�D64FC6�2?5�D276�D@4:6EJ�3J�AC@G:5:?8�:?�2�E:>6=J�>2??6C�AC@5F4ED�2?5�D6CG:46D�32D65�@?�G2C:@FD�C:D<D

##22FF??4499��@@77��22����@@>>AACC669966??DD::GG66����CC@@??66����@@>>AA66??DD22EE::@@??��''==22??

$) �2?5��� �D6==�E96�M�@>AC696?D:G6��C@?6��@>A6?D2E:@?�'=2?�N�2�A=2?�;@:?E=J�56G6=@A65�E@�4@>AC696?D:G6=J�4@G6C

G2C:@FD�C:D<D�2DD@4:2E65�H:E9�3FD:?6DD�FD6�@7�5C@?6D��4@>A24E�F?>2??65�96=:4@AE6CD�

�C@?6D�2C6�36:?8�FD65�7@C�G2C:@FD�@A6C2E:@?D��DF49�2D�DAC2J:?8�A6DE:4:56D��E2<:?8�26C:2=�A9@E@8C2A9D��DFCG6J:?8�5:D2DE6CD�

2?5�:?DA64E:?8�2?5�>62DFC:?8�D64FC:EJ�724:=:E:6D�2?5�4@?DECF4E:@?�D:E6D�*96J�2C6�6IA64E65�E@�36�FD65�7@C�H:56C�AFCA@D6D

2?5�DAC625:?8��2=@?8�H:E9�E96:C�FD6�7@C�:?5FDECJ�2?5�E96�86?6C2=�AF3=:4�&?�E96�@E96C�92?5��D:?46�E96�FD6�@7�5C@?6D�6?E2:=D

E96�C:D<�@7�52>28:?8�E96�2:C7C2>6�:ED6=7�2?5�=:23:=:E:6D�7@C�E9:C5�A2CE:6D�5F6�E@�2�72==�@C�4C2D9��$) �2?5��� �H:==�DFAA@CE�E96

C62=:K2E:@?�@7�E96�M ?5FDEC:2=�(6G@=FE:@?�:?�E96��:CN�3J�AC@G:5:?8�AC@5F4ED�E@�AC6A2C6�7@C�DF49�C:D<D

))FFAAAA@@CCEE::??88����@@>>AA22??::66DDLL����IIAA@@CCEE����IIAA22??DD::@@??��33JJ��##66GG66CC2288::??88����@@>>66DDEE::44��((66::??DDFFCC22??4466��''@@==::44JJ

�2D65�@?�E96�5@>6DE:4�C6:?DFC2?46�28C66>6?E�4@?4=F565�H:E9�%:AA@?��IA@CE�2?5� ?G6DE>6?E� ?DFC2?46��96C6:?27E6C�

M%�. N���$) �F?56CHC:E6D�6IA@CE�EC256�4C65:E�:?DFC2?46�FD:?8�E96�28C66>6?E

$) �92D�AC@G:565�AC@5F4ED�4@CC6DA@?5:?8�E@��32?<CFAE4J�C:D<�@7�@G6CD62D�4@F?E6CA2CE:6D��2?5��C:D<D�@7�F?4@==64E:3=6

244@F?ED�C646:G23=6�5F6�E@�56=2JD�:?�A2J>6?E�3J�4@F?E6CA2CE:6D��7@C�4@>A2?:6D�6?82865�:?�6IA@CE:?8�EC2?D24E:@?D� ?

@C56C�E@�C6DA@?5�E@�E96�?665D�@7�4FDE@>6CD�7@C�>@C6�6?92?465�4@G6C286��$) �H:==�:>AC@G6�E96�4@?G6?:6?46�@7�4FDE@>6CD

3J�:?EC@5F4:?8�2�D496>6�:?�4@==23@C2E:@?�H:E9�E96�%�. ��H9:=6�DF3DE2?E:2==J�6IA2?5:?8�E96�4@G6C65�4@F?EC:6D�7@C�6IA@CE�2?5

E96�2>@F?E�@7�4@>A6?D2E:@?�$) �H:==�4@?EC:3FE6�E@�E96�C6G:E2=:K2E:@?�@7�EC256�:?�!2A2?�2?5�@G6CD62D�2D�H6==�2D�DFAA@CE

8=@32=�64@?@>:4�56G6=@A>6?E�3J�2DD:DE:?8�E96�C65F4E:@?�@7�C:D<D�:?�6IA@CE�EC2?D24E:@?D��6E4

ここ

Contributing to Resolution of Social Issues through the Business > Development of Local Communities

127

++??@@4444FFAA::6655����@@FFDD::??88��##::2233::==::EEJJ�� ??DDFFCC22??4466

�7764E:G6��63CF2CJ� ���� ���$) �2?5��� �=2F?4965�M+?@44FA:65��@FD:?8�#:23:=:EJ� ?DFC2?46�N�2�AC@5F4E�;@:?E=J�56G6=@A65

7@C�3FD:?6DD6D�E92E�>2?286�F?@44FA:65�9@FD:?8�*96�?F>36C�@7�F?@44FA:65�5H6==:?8D�92D�366?�@?�2?�:?4C62D6�24C@DD

!2A2?��2?5�E96�:DDF6�@7�6>AEJ�9@FD6D�?@E�36:?8�AC@A6C=J�>2?2865�92D�364@>6�2AA2C6?E�*9:D�92D�=65�E@�2�C:D6�:?�3FD:?6DD

@A6C2E@CD�E92E�2C6�6?E6C:?8�E96�F?@44FA:65�AC@A6CEJ�>2?286>6?E�D6CG:46�3FD:?6DD�@7�>2?28:?8�6>AEJ�AC@A6CE:6D�@?

3692=7�@7�@H?6CD�2D�H6==�2D�:?4C62D6�:?�@H?6CD�H9@�4@?D:8?�>2?286>6?E�@7�F?@44FA:65�AC@A6CE:6D�E@�DF49�D6CG:46

AC@G:56CD��E�E96�D2>6�E:>6��E96C6�92G6�366?�8C@H:?8�?665D�7@C�:?DFC2?46�E@�4@G6C�2?J�52>286�7C@>�2?�244:56?E�42FD65

3J�>2?286>6?E�@H?6CD9:A�@7�F?@44FA:65�9@FD:?8� ?�=:89E�@7�E96D6�4:C4F>DE2?46D��E96J�AC@G:56�E96�M+?@44FA:65��@FD:?8

#:23:=:EJ� ?DFC2?46N�E@�4@G6C�2?J�52>286�2?5�4@DED�:?4FCC65�3J�F?@44FA:65�AC@A6CEJ�>2?286>6?E�3FD:?6DD�@A6C2E@CD�2?5

@H?6CD�@7�F?@44FA:65�9@FD:?8

��@@>>AACC669966??DD::GG66��))FFAAAA@@CCEE��77@@CC�� ??33@@FF??55����FFDD::??66DDDD66DD

$) �2?5��� �@776C�E96�M)FAA@CE:?8�$6?F�7@C� ?3@F?5��FD:?6DD6DN�7@C�3FD:?6DD6D��DF49�2D�9@E6=D�2?5�C6DE2FC2?ED�

C646:G:?8�7@C6:8?6CD�G:D:E:?8�!2A2?�7C@>�23C@25��:G6?�E96�C2A:5�:?4C62D6�:?�7@C6:8?6CD�4@>:?8�E@�E96�4@F?ECJ��E96C6�92G6

366?�8C@H:?8�?665D�E@�96=A�3FD:?6DD�@A6C2E@CD�36�AC6A2C65�E@�D6CG:46�7@C6:8?6CD�*96C67@C6��E96J�56G6=@A65�E9:D�>6?F

4@?D:DE:?8�@7�:?DFC2?46�E2C86E:?8�7@C6:8?�EC2G6=6CD�:?�!2A2?��C:D<�4@?DF=E:?8�@?�:?3@F?5�3FD:?6DD6D��2?5�@E96C�D6CG:46D

*9C@F89�AC@G:5:?8�E9:D�>6?F��E96J�DFAA@CE�E96�:?3@F?5�3FD:?6DD6D�@7�4@>A2?:6D�H9:=6�AC@G:5:?8�G:D:E:?8�7@C6:8?6CD�H:E9

D276EJ�2?5�D64FC:EJ

ここ

Contributing to Resolution of Social Issues through the Business > Development of Local Communities

128

)>2CE�@77:46

)E:4<6C�HC:EE6?�:?�=@42=�=2?8F286

))FFAAAA@@CCEE����66GG66==@@AA::??88����@@FF??EECC::66DD��EE@@��((66DD@@==GG66�� DDDDFF66DD

??DDFFCC22??4466��''66??66EECC22EE::@@??���� ??55::22��

�D� ?5:2LD�:?DFC2?46�>2C<6E�A6?6EC2E:@?�92D�366?�=:>:E65�E@�46CE2:?

D64E:@?D�@7�A@AF=2E:@?�@?=J��AC@G:5:?8�D@4:2=�D64FC:EJ�D6CG:46D�E@�E96

>2;@C:EJ�@7�E96�A@AF=2E:@?�H:E9@FE�2446DD�E@�DF49�D6CG:46D�92D�366?

C64@8?:K65�2D�2�D@4:2=�:DDF6

+?56C�E96D6�4:C4F>DE2?46D��:?������E96� ?5:2?�8@G6C?>6?E�=2F?4965�2

>65:42=�:?DFC2?46�D496>6�7@C�=@H�:?4@>6�9@FD69@=5D��42==65�(2D9EC:J2

)H2DE9J2��:>2�/@;2?2��()�/���E@�7FCE96C�AC@>@E6�E96�6?92?46>6?E�@7

D@4:2=�D64FC:EJ��9@=2>2?52=2>�$)��6?6C2=� ?DFC2?46��@>A2?J�#:>:E65

��9@=2�$)���H9:49�:D�$) LD�277:=:2E65�4@>A2?J�:?� ?5:2��H2D�4@>>6?565�3J

E96� ?5:2?�8@G6C?>6?E�7@C�E9C66�4@?D64FE:G6�J62CD��7C@>��� �E@��� ���7@C

:ED�H@C<�E@�AC@>@E6�E96�A6?6EC2E:@?�@7�E9:D�8@G6C?>6?E�D496>6�2?5�:ED

4=2:>�A2J>6?E�D6CG:46D

�E�AC6D6?E���9@=2�$)�D6==D��:?�255:E:@?�E@�()�/��244:56?E�:?DFC2?46�7@C

D6=796=A�8C@FAD�����)����:>2�/@;2?2���>65:42=�:?DFC2?46�7@C�CFC2=�2C62D

��9@=2��2C@8J2��:>2���2?5�@C:8:?2=�>65:42=�:?DFC2?46�4@>3:?65�H:E9

244:56?E�4@G6C286���9@=2�)H2DE9�'2C:G2C�� ?�255:E:@?��E96�4@>A2?J�2=D@

@776CD�2�8@G6C?>6?E=65�28C:4F=EFC2=�:?DFC2?46�D496>6��'$��/�

�8C:4F=EFC2=�:?DFC2?46�4@G6CD�E96�=@DD�@7�:?4@>6�@7�72>6CD�5F6�E@�325�H62E96C�2?5�@E96C�F?7@C6D6623=6�6G6?ED� ?

A2CE:4F=2C��E9:D�AC@5F4E�:?56>?:7:6D�72C>6CD��H9@�AFC492D6�76CE:=:K6CD��72C>:?8�6BF:A>6?E��2?5�>249:?6CJ�H:E9�=@2?D��7@C�2

=@DD�@7�:?4@>6��E96C63J�DFAA@CE:?8�E96�DFDE2:?23=6�=:G6=:9@@5�@7�72C>6CD��?F>36C�@7�:?DFC2?46�4@?EC24ED�:?�7:D42=��� ��

2AAC@I:>2E6=J���>:==:@?��AC6>:F>�:?4@>6��C@F89=J����3:==:@?�CFA66D���FCE96C���9@=2�$)�D6==D�2?:>2=�:?DFC2?46�7@C�=:G6DE@4<

72C>6CD�:?�CFC2=�2C62D��?F>36C�@7�:?DFC2?46�4@?EC24ED�>2:?E2:?65�:?�7:D42=��� ���2AAC@I:>2E6=J� ������A@=:4:6D��AC6>:F>

:?4@>6��C@F89=J����>:==:@?�CFA66D��?:>2=�:?DFC2?46�96=AD�=:G6DE@4<�72C>6CD��H9@�2C6�2=D@�=@H:?4@>6��DE23:=:K:?8�E96:C

:?4@>6�3J�AC@G:5:?8�4@G6C286�7@C�E96�562E9�@7�=:G6DE@4<��6E4

�642FD6�@7�:ED�G2DE�=2?5��2?@E96C�:DDF6�72465�3J� ?5:2�:D�9@H�E@�AC@>@E6�:?DFC2?46�A6?6EC2E:@?�:?�CFC2=�2C62D��9@=2�$)

3682?�C@==:?8�@FE�D>2==�@77:46D�6BF:AA65�H:E9�2�A@=:4J:DDF:?8�>249:?6��)>2CE�&77:46D��H9:49�6?23=6D�4@?DF>6CD�E@�3FJ

:?DFC2?46�A@=:4:6D�@?�E96�DA@E�:?�CFC2=�E@H?D�2?5�G:==286D�H:E9�76H6C�E92?� �������C6D:56?ED��J�5@:?8�D@��E96�4@>A2?J�:D

4@>>:EE65�E@�:>AC@G:?8�2446DD�E@�:?DFC2?46�AC@5F4ED�:?�CFC2=�2C62D�*96C6�92G6�366?�@?=J�2�D>2==�?F>36C�@7�:?DFC2?46

4@>A2?J�3C2?496D�:?�E96D6�2C62D��2?5�E9:D�724E�92D�366?�@?6�@7�E96�@3DE24=6D�E@�:?DFC2?46�A6?6EC2E:@?�*96�C@==@FE�@7

)>2CE�&77:46D�2E�>2?J�=@42E:@?D�:D�4@?EC:3FE:?8�E@�C6D@=G:?8�E9:D�:DDF6��E�E9:D�A@:?E��)>2CE�&77:46D�D6==�DE2?52C5�:?5:G:5F2=

:?DFC2?46�AC@5F4ED��DF49�2D�2FE@>@3:=6��>65:42=��2?5�244:56?E�:?DFC2?46�A@=:4:6D�*@�7FCE96C�AC@>@E6�:?DFC2?46

A6?6EC2E:@?�:?�CFC2=�2C62D���9@=2�$)�:D�4@?D:56C:?8�E96�6IA2?D:@?�@7�E96�AC@5F4E�=:?6FA�2G2:=23=6�2E�)>2CE�&77:46D�8@:?8

7@CH2C5

������D6=796=A�8C@FA�>62?D�2�8C@FA�4@?D:DE:?8�@7�2AAC@I:>2E6=J� ��E@����A6@A=6�H9@�D92C6�2�D@4:@64@?@>:4�324<8C@F?5��DF49�2D�:?4@>6�

@44FA2E:@?��2?5�2C62�@7�C6D:56?46

ここ

Contributing to Resolution of Social Issues through the Business > Development of Local Communities

129

�,)��������2796%2')��6394�-7�)2+%+)(�-2�-2-8-%8-:)7�-2�8,)�%6)%7�3*�-2796%2')�92()6;6-8-2+�%2(�-2:)781)28�%2%0=7-7�

;,-',�8%/)�8,)�)2:-6321)28��73'-%0��%2(�+3:)62%2')�������-283�'327-()6%8-32�

��--++22--22++��8833��88,,))����66--22''--4400))77��**3366����))7744332277--&&00))����22::))778811))2288

�2��92)�����8,)��������2796%2')��6394�&)'%1)�%�7-+2%836=�83�8,)��6-2'-40)7

*36��)74327-&0)��2:)781)28��������2-8-%8-:)���,-7�7))/7�83�-2'36436%8)

)2:-6321)28��73'-%0��%2(�+3:)62%2')�������-779)7�-283�8,)�-2:)781)28�()'-7-32�

1%/-2+�463')77���2(�;)�&)+%2�8%/-2+�-2-8-%8-:)7�8,%8�'3286-&98)�83�6)730:-2+

73'-%0�-779)7�&=�-140)1)28-2+�-2:)781)28���0)2(-2+�%'8-:-8-)7�%2(�463:-(-2+

*-2%2'-%0�463(9'87���7)6:-')7��")�%073�;36/7�83�)78%&0-7,�-2:)781)28�%2(�0)2(-2+�463')77)7�8,%8�8%/)�����-779)7�-283

'327-()6%8-32�%2(�786-:)7�83�)<4%2(�-2:)781)28�34436892-8-)7�-2�2);�%6)%7�

��114400))11))2288%%88--3322��33**����%%44%%22AA77����88));;%%66((77,,--44����33(())

�631�8,)�4)674)'8-:)�3*�*90*-00-2+�8,)-6�73'-%0�6)74327-&-0-8=�%7�-278-898-32%0�-2:)78367������%2(�����,%:)�%22392')(�8,)-6

%+6))1)28�;-8,�%2(�%'')48%2')�3*��%4%2A7��8);%6(7,-4��3()��%�'3()�3*�&),%:-36�0%-(�398�*36�-278-898-32%0�-2:)78367�

�2�0-2)�;-8,�8,)��3()��;)�,%:)�'327869'8-:)�(-%03+9)�;-8,�-2:)78))�'314%2-)7�83�)2'396%+)�8,)1�83�)2,%2')�032+�8)61

%2(�1)(-91�8)61�:%09)�%2(�7978%-2%&0)�+63;8,��%2(��8,639+,�8,)�(-%03+9)��;)�*3'97�32�92()678%2(-2+�8,)-6�1%2%+)1)28

-779)7��8,)�7,%6),30()6�6)8962�430-'=�������%2(�232�*-2%2'-%0�-2*361%8-32�

�2�*-7'%0�� ������%2(�����'32(9'8)(�'327869'8-:)�(-%03+9)�;-8,�%�838%0�3*�����*-617�

�����96��30-'-)7��''36(-2+�83�?�%4%2A7��8);%6(7,-4��3()@

�����96��30-'-)7��''36(-2+�83�?�%4%2A7��8);%6(7,-4��3()@

��22::--66332211))2288%%00������33''--%%00������33::))6622%%22''))����66--))22((00==����22::))778811))2288��%%22((����33%%22

�,)��������2796%2')��6394�79443687�8,)�463138-32�3*�'36436%8)�)2:-6321)28%0��73'-%0�%2(�+3:)62%2')�������-779)7

8,639+,�-2:)781)28�%2(�03%2�%'8-:-8-)7�%2(�*-2%2'-%0�463(9'87�%2(�7)6:-')7�

��22::))778811))2288��--22����997788%%--22%%&&00))����))::))00334411))2288����3322((

���������������-3-��-*)��%2(������6-1%6=��-*)�-2:)78)(�-2�8,)��978%-2%&0)��):)0341)28��32(7��46-:%8)�40%')1)28�*361%8�

�����1-00-32�)59-:%0)28�83�639+,0=���#�����&-00-32��-779)(�&=�8,)�"360(��%2/���28)62%8-32%0��%2/�*36��)'327869'8-32

%2(��):)0341)28����,-7��978%-2%&0)��):)0341)28��32(7�;%7�-779)(�&=�8,)�"360(��%2/�*36�8,)�������-2796%2')��6394

%2(�-7�8,)�*-678�79',�&32(�-779)(�&=�8,)�"360(��%2/�*36�%�7-2+0)�-2796%2')�+6394�

�,)�"360(��%2/�6%-7)7�*92(7�-2�8,)�-28)62%8-32%0�'%4-8%0�1%6/)87�83�7944368�8,)�*-2%2'-2+�3*�7978%-2%&0)�():)0341)28

463.)'87�-2�&3663;-2+�1)1&)6�'39286-)7���,)7)�463.)'87�*3'97�32�43:)68=�6)(9'8-32�%2(�-2'097-:)�+63;8,�%'6377�%�6%2+)

3*�7)'8367�-2'09(-2+�)(9'%8-32��,)%08,'%6)��%+6-'90896)�%2(�*33(�7)'96-8=��%2(�)77)28-%0�-2*6%7869'896)��"360(��%2/

�978%-2%&0)��):)0341)28��32(7�463:-()�-2:)78367�;-8,�%2�34436892-8=�83�7944368�1)1&)6�'39286-)7�-2�%',-):-2+�8,)-6

():)0341)28�+3%07�

ここ

Contributing to Resolution of Social Issues through the Business > Practicing Responsible Investment to Contribute to Resolving Social Issues

130

��22::))778811))2288��--22����--66%%--����66))%%88--3322����9922((

����%2(�����-2:)78�-2�*92(7�8,%8�%6)�())40=�'322)'8)(�;-8,�8,)�)2:-6321)28���,)=�,%:)�1%()�'%4-8%0�'3286-&98-327�83�8,)

�-6%-��6)%8-32��92(�)78%&0-7,)(�&=�8,)��4%6<��6394�;-8,�8,)�%-1�3*�,)04-2+�83�%'')0)6%8)�-223:%8-32�&=�7944368-2+

'314%2-)7�;-8,�8)',2303+-)7�8,%8�(6-:)�8,)�+63;8,�3*�*9896)�73'-)8=��79',�%7�%68-*-'-%0�-28)00-+)2')��63&38-'7��%2(

8)',2303+=�*36�6)%0->-2+�%�,=(63+)2�&%7)(�73'-)8=���2�%((-8-32��8,)=�-2:)78�-2�)59-8=�*92(7�&%7)(�32�()'-7-327�1%()�9432

):%09%8-2+�8,)�'%4%&-0-8-)7�3*�-2(-:-(9%0�*-617�83�6)7432(�83�)2:-6321)28%0�%2(�73'-)8%0�-779)7�

��22::))778811))2288��--22����))++--3322%%00����''33223311==��!!--88%%00-->>%%88--3322����3366443366%%88--3322��33**����%%44%%22

����%2(�����7944368�8,)�)**3687�83�6):-8%0->)�03'%0�)'3231-)7�8,639+,�-2:)78-2+�-2�8,)�*92(�)78%&0-7,)(�&=�8,)��)+-32%0

�'3231=�!-8%0->%8-32��36436%8-32�3*��%4%2����!������,)�3&.)'8-:)�-7�83�7944368�8,)�463148�1%2%+)1)28�-1463:)1)28�3*

*-617�78%2(-2+�%8�8,)�'36)�3*�03'%0�'31192-8-)7�%2(�,)04�83�():)034�'36)�*-617�8,%8�7)6:)�-14368%28�630)7�*36�03'%0

'31192-8-)7�

��22::))778811))2288��--22����33%%22����9922((77��**3366����11%%0000����%%22((����))((--9911��77-->>))((����2288))664466--77))77

����79443687�8,)�+63;8,�%2(�&97-2)77�6):-8%0->%8-32�3*�6)+-32%0�'314%2-)7�-2�'300%&36%8-32�;-8,�6)+-32%0�*-2%2'-%0

-278-898-327�8,639+,�-2:)78-2+�-2�*92(��)78%&0-7,)(�&=�����$����������������8,%8�*36�8,)�*-678�8-1)�-2��%4%2�463:-()7�6-7/

132)=�1%-20=�&%7)(�32�03%27�

��%%6688--''--44%%88--3322��--22����22--88--%%88--::))77

�,)��������2796%2')��6394�8%/)7�-87�73'-%0�6)74327-&-0-8-)7�%2(�630)7�%7�%�+03&%0�*-2%2'-%0�-278-898-32�7)6-3970=��"-8,�%

:-);�83�786)2+8,)2-2+�-87�)**3687�83�)2796)�)2:-6321)28%0�%2(�73'-%0�7978%-2%&-0-8=�%7�;)00�%7�746)%(-2+�8,)7)�)**3687�83

73'-)8=�%8�0%6+)��-8�4%68-'-4%8)7�-2�%�:%6-)8=�3*�(31)78-'�%2(�-28)62%8-32%0�-2-8-%8-:)7�

�%68-'-4%8-32�-2��2-8-%8-:)7

ここ

Contributing to Resolution of Social Issues through the Business > Practicing Responsible Investment to Contribute to Resolving Social Issues

131

����''��##��������������%%�������� ������##$$,,���� ������$$��%% ����!!## ''��

��&&������%%**

���(������'�� !�'�#� &$�$*$%��$�% ��$��#%����%��

�)!��%�%� �$���������$� ��$%���� ���#$�����&%���+��%���

% ���!# '��%���"&���%*� ��!# �&�%$�����$�#'���$�

��'�#�������%���� ���#$,�� ���$�% ��!# '���&���%*

��'�#�������%���� ���#$,�� ���$�% ��!# '���&���%*

����''���� !!������%%������������!!## ''��������%%�� ���� ## ��&&��%%$$��������

����##''������$$����## ������%%�������� ������##$$,,�� ��##$$!!����%%��''��

���(����&���#$%����'�#� &$��$$&�$�����#�$�$� �

$%���� ���#$�% ���'�� !�������!# '��!# �&�%$����

$�#'���$�

��'�� !���%������!# '����%� �� # �&�%$����

��#'���$��# ���%���� ���#$,� �#$!��%�'�

��!!��##��������������&&$$%% ����##$$,,������$$���� ������������##$$%%��������������������

�� ��''��������������

�� #��#�% �����'�#���� #��%� �� ����$&#���������$�#'���$

% �'�#� &$��&$% ��#$��(���#��%#*����% ���!# '�

� �'��������� #�%�������#�*�����!�#$ �$�(�%����$�����%��$�

(����� ���#����!# ���&#�$�&$���� �$�����$��#%!� ��$�

�!�#�������&$% ��#$,���$�� ������#$%����������

� �'�������

��**������%%�� ������$$&&##��������������������������##''�������� ##������##����������%%

��&&$$%% ����##$$

���!# '����#��������������$�#'���$�% ��&$% ��#$��*

#�$! ������(�%���������'��$� �����&#��*��$!��������

��%��#�%*�

�*���%� ���$&#�������������#'���� #���#�����%

�&$% ��#$

## ((%%����((��%%������&&##����������%%$$

� ��&����%����(�%������%$��(��(����� �%��&������'�#���

�����"&���%*�!# �&�%$�����$�#'���$�% ��&$% ��#$���� #��#

% ������'���# (%��% ��%��#�

# (%��(�%���&#�����%$

ここ

Enhancing the Quality of Products and Services

132

"1�4(/$,0�$�&14214$6(�*4172�6+$6�,5�647.;�0(('('�%;�51&,(6;��9(�&105,'(4�,6�,/2146$06�61�-019�9+$6�174�56$-(+1.'(4

81,&(5�$4(�61�,/2418(�6+(�37$.,6;�1)�241'7&65�$0'�5(48,&(5�"+(��!�����0574$0&(��4172�+$5�&105647&6('�8$4,175

5&+(/(5�61�$%514%�56$-(+1.'(4�12,0,105��$0'�$4(�4().(&6,0*�6+(/�,0�())1465�61�,/2418(�174�241'7&65�$0'�5(48,&(5��0

$'',6,10��56$-(+1.'(4�8,(95�$4(�%(,0*�4().(&6('�016�10.;�,0�%75,0(55�241&(55(5��%76�$.51�,0�',5&755,105�$6�6+(�/$0$*(/(06

.(8(.

!!&&++((//((55��))1144�� ((&&((,,88,,00**����((((''%%$$&&--��))4411//����77556611//((4455

"+(��!�����0574$0&(��4172�+$5�)14/7.$6('�$���$5,&��1.,&;�)14� (5210',0*�61��7561/(4��1//70,&$6,105��$0'�4(&(,8(5

$�9,'(�4$0*(�1)�)(('%$&-�)41/�&7561/(45�,0&.7',0*�6+417*+�&1057.6$6,105��4(37(565��$0'�&1/2.$,065�"+,5�)(('%$&-�,5�75('

61�/$-(�37$.,6;�,/2418(/(065��0�.,0(�9,6+�6+(�21.,&;���1/(56,&��4172�,0574$0&(�&1/2$0,(5�76,.,<(�&7561/(45=�8,(95�61

,/2418(�6+(,4�%75,0(55�241&(55(5�51�6+(;�&$0�2418,'(�241'7&65�$0'�5(48,&(5�6+$6�5$6,5);�&7561/(45

��!!����������00557744$$00&&((����44117722����$$55,,&&����11..,,&&;;��))1144�� ((55221100'',,00**��6611����77556611//((44����11////7700,,&&$$66,,110055

"+(��!�����0574$0&(��4172�5+$..�4(5210'�61�$..�&7561/(4�&1//70,&$6,105�37,&-.;��$224124,$6(.;�$0'�,0�*11'

)$,6+�%$5('�10�6+(��4172�5�/$0$*(/(06�,'(1.1*;�"+(�)1..19,0*�24,0&,2.(5�)14�&10'7&6�$4(�+(4(%;�241/7.*$6('

61�&1064,%76(�619$4'�*4($6(4�&7561/(4�5$6,5)$&6,10

����(()),,00,,66,,110055

� ���(),0,6,10�1)��7561/(4

�5�75('�+(4(,0���&7561/(4��5+$..�4()(4�61��$�&7561/(4�+$8,0*�$�4(.$6,105+,2�9,6+�6+(�$&6,8,6,(5�1)�6+(��!���

�0574$0&(��4172��9,6+�4(52(&6�61�%16+�,0',8,'7$.5�$0'�&1/2$0,(5

�����(),0,6,10�1)��7561/(4��1//70,&$6,10

�5�75('�+(4(,0���&7561/(4�&1//70,&$6,10��5+$..�4()(4�61��$0;�$0'�$..�(:24(55,105�)41/�&7561/(45��,037,4,(5�

&1057.6$6,105��4(37(565��&1/2.$,065��',5276(5��24$,5(��(:24(55,105�1)�*4$6,67'(��(6&����(4(���&1/2.$,06��5+$..

/($0��$0�(:24(55,10�1)�',55$6,5)$&6,10�)41/�$�&7561/(4�

������44,,00&&,,22..((55��))1144����1100''77&&66

� ���$5,&�!6$0&(

�,���..�1)),&(45�$0'�(/2.1;((5�5+$..�4(5210'�61�$..�&7561/(4�&1//70,&$6,105�37,&-.;��$224124,$6(.;�$0'�,0�*11'

)$,6+

�,,���..�1)),&(45�$0'�(/2.1;((5�5+$..�%(�&105&,175�1)�6+(�)$&6�6+$6�&7561/(4�&1//70,&$6,105�&1056,676(

�,/2146$06�,0)14/$6,10�)14�$5574,0*�64756�)41/�&7561/(45��4($.,<,0*�&14214$6(�*4196+�$0'�)746+(4�,/2418,0*

37$.,6;�

�,,,���..�1)),&(45�$0'�(/2.1;((5�5+$..�&1/2,.(�$0'�$0$.;<(�,0)14/$6,10�4(.$6,0*�61�&7561/(4�&1//70,&$6,105�

$0'�9+,.(�/$-,0*�())146�61�4('7&(�&1/2.$,065��5+$..�$.51�75(�6+,5�,0)14/$6,10�61�&4($6(�/($574(5�6+$6

,/2418(�37$.,6;�$0'�4$,5(�6+(�.(8(.�1)�&7561/(4�5$6,5)$&6,10

�����$0$*(/(06�1)� (52105(5�61��7561/(4��1//70,&$6,105

�,���1/(56,&��4172�,0574$0&(�&1/2$0,(5�5+$..�24(5&4,%(�21.,&,(5�)14�4(5210',0*�61�&7561/(4�&1//70,&$6,105

6+$6�)$&614�,0�6+(�%75,0(55�&10',6,105�24(5(06�$6�6+(,4�4(52(&6,8(�&1/2$0,(5�&105,56(06�9,6+�6+(���!���

�0574$0&(��4172=5��,55,10�!6$6(/(06��$0'�6+(���!�����0574$0&(��4172��$5,&��1.,&;�)14� (5210',0*�61

�7561/(4��1//70,&$6,105�

�,,���1/(56,&��4172�,0574$0&(�&1/2$0,(5�5+$..�24(2$4(�47.(5��/$07$.5�$0'�6+(�.,-(�4(*$4',0*�6+(�241&('74(5

$0'�52(&,),&�,0',8,'7$.�$&6,105�)14�4(5210',0*�61�&7561/(4�&1//70,&$6,105

�,,,��#+(0�0(&(55$4;��6+(�16+(4��4172�&1/2$0,(5�5+$..�24(2$4(�/($574(5�)14�4(5210',0*�61�&7561/(4

&1//70,&$6,105�$0'�276�6+(5(�,061�24$&6,&(�$5�$224124,$6(

#(�',5&.15(�6+(�57%56$0&(�$0'�4(57.65�1)�6+(5(�$&6,8,6,(5�)14�,/2418(/(06�10�174�9(%5,6(�51�6+$6�6+(�&7561/(45�&$0�5((

6+(�$&67$.�,/2418(/(06

ここ

Enhancing the Quality of Products and Services > Leveraging Stakeholders’ Voices to Improve Quality

133

��11//((5566,,&&����44117722��,,00557744$$00&&((��&&11//22$$00,,((55������22224411$$&&++((55��44((..$$66((''��6611��&&77556611//((44��88,,((9955

�!����$2$0(5(�10.;�

������$2$0(5(�10.;�

�,657,��,4(&6��(0(4$.���$2$0(5(�10.;�

�!���,1,��,)(���$2$0(5(�10.;�

�!���4,/$4;��,)(���$2$0(5(�10.;�

��77556611//((44����77((5566,,110000$$,,44((55

�!���������,657,��,4(&6��(0(4$.�$0'��!���,1,��,)(�$5-�&7561/(45�61�),..�176�>$�&7561/(4�37(56,100$,4(?�$6�&1064$&6�&.15,0*

$0'�&.$,/�2$;/(06��$0'�75(�6+(,4�12,0,105�)14�0(9�241'7&6�'(8(.12/(06�$0'�37$.,6;�,/2418(/(06�,0&.7',0*�5(48,&(

,/2418(/(06�"+(�37(56,100$,4(�$5-5�$%176�&7561/(45���'(*4((�1)�5$6,5)$&6,10��9,6+�6+(�5(48,&(5�$6�6+(�6,/(�1)�&1064$&6�

$5�9(..�$5�6+(,4��'(*4((�1)�5$6,5)$&6,10��9,6+�$&&,'(06�4(52105(�2418,'('�%;�174�&1/2$0;�$*(065�$0'�6+(��$'8,5$%,.,6;��1)

6+(�241'7&65�$0'�5(48,&(5�61�16+(45

�!���4,/$4;��,)(�$.51�&10'7&65�$�5748(;�10�&7561/(45�9+1�+$8(�5,*0('�0(9�&1064$&65�9,6+�6+(�&1/2$0;�$0'�&7561/(45

9+1�+$8(�/$'(�&+$0*(5�61�6+(,4�&1064$&65��61�),0'�176�6+(,4��'(*4((�1)�5$6,5)$&6,10��,0�$4($5�57&+�$5�+19�($5;�61

70'(456$0'�6+(�241&('74(5�9(4(

�!�������$0'��!���,1,��,)(�5(6�6+(�/$,0�,6(/5�10�6+(�37(56,100$,4(��.(8(.�1)�5$6,5)$&6,10�$0'�$'8,5$%,.,6;��$5����5����61

241/16(��! �,0,6,$6,8(5

�����0',&(5�61��7$06,6$6,8(.;��8$.7$6(��0,6,$6,8(5

��77556611//((44����((((''%%$$&&--��!!664477&&667744((

��1100))1144//$$00&&((��11))��66++((����11//22..$$,,0066�� ((5522110055((����$$00$$**((//((0066��!!;;5566((//��99,,66++��66++((����0066((4400$$66,,1100$$..��!!66$$00''$$44''����!!���� ��������

"+(��4172�&1/2$0,(5�12(4$6(�$�&1/2.$,06�4(52105(�5;56(/�,0�&10)14/$0&(�9,6+�,06(40$6,10$.�56$0'$4'�>�!� ����?

��7$.,6;�/$0$*(/(06���7561/(4�5$6,5)$&6,10���7,'(.,0(5�)14�&1/2.$,065�+$0'.,0*�,0�14*$0,<$6,105�

�;�6+1417*+.;�,/2.(/(06,0*�6+(�5;56(/��9(�9,..�)746+(4�/$-(�81.706$4;�,/2418(/(06�$&6,8,6,(5�������&;&.(��6$-(�4116�,0

4(52105(�61�&7561/(4�12,0,105�$0'�241/16(�,0,6,$6,8(5�61�,/2418(�&7561/(4�5$6,5)$&6,10

��11//((5566,,&&����44117722��,,00557744$$00&&((��&&11//22$$00,,((55������22224411$$&&++((55��44((..$$66((''��6611����!!�� ��������

�!����$2$0(5(�10.;�

������$2$0(5(�10.;�

�,657,��,4(&6��(0(4$.���$2$0(5(�10.;�

�!���,1,��,)(���$2$0(5(�10.;�

�!���4,/$4;��,)(���$2$0(5(�10.;�

ここ

Enhancing the Quality of Products and Services > Leveraging Stakeholders’ Voices to Improve Quality

134

!!&&++((//((55��6611����%%551144%%����::66((4400$$..����::22((446655����22,,00,,110055

�0�$�%,'�61�1))(4�/14(�5$6,5);,0*�241'7&65�$0'�5(48,&(5�61�&7561/(45���!��$0'�����2(4,1',&$..;�(:&+$0*(�,'($5�9,6+

1765,'(�(:2(465�61�4(&(,8(�12,0,105�10�,557(5�)14�37$.,6;�,/2418(/(06��:2(46�12,0,105�$4(�$.51�4(2146('�61�/$0$*(/(06

$0'�76,.,<('�61�,/2418(�6+(�37$.,6;�1)�241'7&65�$0'�5(48,&(5

�0�$'',6,10��(:6(40$.�241)(55,10$.5�,0�6+(�&1057/(44(.$6('�),(.'�$4(�&$..('�,0�61�*$6+(4�12,0,105�)41/�&1057/(45=

8,(921,065�10�%41&+74(5�$0'�$22.,&$6,10�)14/5�75('�$6�,0574$0&(�51.,&,6$6,10�$0'�8$4,175�/$6(4,$.5�$%176�21.,&;�5(48,&(

241&('74(5�"+(�$,/�,5�61�/$-(�6+(/�($5,(4�61�70'(456$0'

��::$$//,,00$$66,,1100��11))����00557744$$00&&((����$$;;//((0066

�!��������$0'��,657,��,4(&6��(0(4$.�(:$/,0(�&$5(5�6+$6�$4(�'(6(4/,0('�61�%(�,0(.,*,%.(�)14�,0574$0&(�&.$,/5��2$;/(065�$0'

&$5(5�9+(4(�$�&7561/(4�),.('�$�&1/2.$,06��14�&$5(5�/((6,0*�&(46$,0�&10',6,105��6+(�(:$/,0$6,105�$4(�&10'7&6('�%;�$

%1$4'�1)�4(8,(9�&105,56,0*�1)�1765,'(�.$9;(45�$0'�(:2(465

�6��!��$0'������56$6(�1)�(:$/,0$6,10�,5�',5&.15('�$6�6+(�&1/2$0;=5�9(%5,6(

�14(18(4��%16+�&1/2$0,(5�276�())1465�,061�5+$4,0*�,0)14/$6,10�$%176�6+(�4(57.65�1)�6+(�(:$/,0$6,10�6+417*+�/($05�57&+

$5�,06(40$.�0(95��&1064,%76,0*�61�)746+(4�,/2418,0*�6+(�37$.,6;�1)�.155�5722146�914-

�!����$2$0(5(�10.;�

������$2$0(5(�10.;�

!!&&++((//((55��6611����%%551144%%����22,,00,,110055��11))����**((006655

�!��$0'�����+$8(�%7,.6�6+(,4�190�$*(06�0(6914-5�$5�2$46�1)�6+(,4�/($574(5�61�4(,0)14&(�&1//70,&$6,10�9,6+�$*(065�"+(;

4(&(,8(�12,0,105�$0'�241215$.5�,0�$�6,/(.;�9$;�10�'(8(.12/(06�1)�($5;6170'(456$0'�241'7&65�$0'�4(8,5,10�)41/�6+(,4

/(/%(4�$*(065�"+(;�6+(0�241&(('�61�'(8(.12�%(66(4�241'7&65�$0'�5(48,&(5�75,0*�6+15(�12,0,105

�0�$'',6,10���!��������$0'��!���,1,��,)(�4705�5;56(/�9+,&+�4(&(,8(5�6+(�4(37(56�1)�,/2418(/(06�)41/�174�$*(065�$0'

&$08$55(45����6+417*+�174�1)),&(5�"+15(�4(37(565�61�6+(�5;56(/�$4(�%(,0*�)7..;�76,.,<('�)14�241'7&6�'(8(.12/(06�$0'

4(8,5,10��/$-,0*�)14/5�5,/2.(4�$0'�,/2418(/(06�1)�$*(06�5;56(/

�����(4/$0(06.;+,4('�(/2.1;((5�$0'�64$,0((5�(0*$*('�,0�51.,&,6$6,10

!!&&++((//((55��6611����%%551144%%����//22..11;;((((����22,,00,,110055

�6�6+(��!�����0574$0&(��4172��61�4().(&6�(/2.1;((5��,'($5�,0�,/2418,0*�37$.,6;��(/2.1;((�5�81,&(5�$4(�$55(/%.('�)14

4(8,(9�%;�6+(�+($'37$46(4�'(2$46/(065�$0'�6+(;�%7,.'�$�5;56(/�61�)(('�%$&-�6+(�4(8,(9�4(57.65

"+(4(�,5�$�%7..(6,0�%1$4'�10�6+(�,0+175(�,064$0(6�9+,&+�,5�$�611.�)14�2156,0*�241215$.5�61�6+(�+($'�1)),&(�',8,5,105�$0'

',52.$;,0*�6+(�',5&755,10�4(57.65��55,*0('�&14214$6(�(:(&76,8(5�+$8(�2(4,1',&�/((6,0*5�61�(:&+$0*(�12,0,105�,0�5,6(5

$&4155��$2$0��/2.1;((5=�12,0,105�$4(�76,.,<('�61�,/2418(�/$0$*(/(06��241'7&65�$0'�5(48,&(5�6+417*+�6+(�$%18(�())1465

ここ

Enhancing the Quality of Products and Services > Leveraging Stakeholders’ Voices to Improve Quality

135

!.+�3/99/54�5,�:.+�� �����49;8'4)+��85;6�/9�:5�685</*+�:.+�(+9:�952;:/54�:5�95)/'2�'4>/+:?�'4*�8/919��8+,2+):/4-�/:9�('9/)

,5);9�54�:.+�6;(2/)�4':;8+�5,�:.+�/49;8'4)+�'4*�,/4'4)/'2�9+8</)+�(;9/4+99��;8�'/3�/9�:5�*+2/<+8�9+);8/:?�'4*�6+')+�5,

3/4*�'4*�,')/2/:':+�6+562+C9�+,,58:9�:5�2+'*�'):/<+��.+'2:.?��'4*�+48/).+*�2/<+9��'4*�=+�'8+�9++1/4-�:5�'))5362/9.�:./9

*+<+256/4-�'4*�/3685</4-�685*;):9�:.':�8+9654*�:5�95)/'2�/99;+9�'4*�8/919�=./2+�'2='?9�2/9:+4/4-�:5�:.+�56/4/549�5,�5;8

);9:53+89�'4*�5:.+8�9:'1+.52*+89��'4*�:'1/4-�/4:5�'))5;4:�:.+�<'8/5;9�).'4-/4-�)/8);39:'4)+9�5,�5;8�+4</8543+4:

��++))..''44//9933��55,,����++<<++22556633++44::��''44**����33668855<<++33++44::��55,,����8855**;;))::99��''44**�� ++88<<//))++99

!.+�� �����49;8'4)+��85;6�'4'2?@+9�'4*�)549/*+89�/4,583':/54�5(:'/4+*�':�'4?�65/4:�5,�)54:'):�=/:.�);9:53+89�'4*

5:.+8�9:'1+.52*+89��95�'9�:5�/3685<+�:.+�7;'2/:?�5,�5;8�685*;):9�'4*�9+8</)+9��'9�=+22�'9�5;8�56+8':/549�!.85;-.�+,,58:9

,58�/4)8+'9/4-�)58658':+�<'2;+�'4*�8+952</4-�95)/'2�/99;+9��/:�'/39�:5�,;2,/22�/:9�8+96549/(/2/:/+9�:5�/:9�9:'1+.52*+89��'4*�3++:

:.+/8�+>6+):':/549

ここ

Enhancing the Quality of Products and Services > Development and Improvement of Products and Services from Stakeholders’ Perspective

136

��''//44����8855**;;))::99��''44**�� ++88<<//))++99

!.+�+4</8543+4:�9;885;4*/4-�:.+�/49;8'4)+�/4*;9:8?�/9�7;/)12?�'4*�*8'9:/)'22?�).'4-/4-�*;+�:5�:.+�'*<'4)+3+4:�5,�)2/3':+

).'4-+�'4*�-25('2�='83/4-��:.+�+3+8-+4)+�5,�-85=/4-�/4*;9:8/+9�'4*�'*<'4)+*�:+).4525-/+9��:.+�/4)8+'9+�/4�)536'4/+9

+>6'4*/4-�56+8':/549�5<+89+'9��:.+�*+)2/4+�/4�(/8:.�8':+9�'4*�8/9+�5,�'-/4-�656;2':/549��'4*�:.+�*/<+89/,/)':/54�5,�);9:53+8

4++*9�=/:.�).'4-/4-�2/,+9:?2+9��4�58*+8�:5�9;6658:�:.+��8+/4</-58':+*�95)/'2�*+<+2563+4:�'4*�95;4*�,;:;8+�5,�:.+�+'8:.��

:.+�� �����49;8'4)+��85;6�=/22�685</*+�685*;):9�'4*�9+8</)+9�:5�*+:+):�<'8/5;9�8/919�'8/9/4-�,853�95)/'2�/99;+9�=./).

5(9:8;):�:.+3��68+<+4:�5));88+4)+�5,�8/919��'4*�=.+4�8/919�)53+�/4:5�8+'2/:?��3/:/-':+�:.+/8�/36'):�'4*�)536+49':+�,58

+)5453/)�+,,+):9

��//99::��55,,���� ����������8855;;6699������8855**;;))::99��''44**�� ++88<<//))++99��::55����5544::88//((;;::++��::55��''�� ;;99::''//44''((22++�� 55))//++::??

�85*;):9�'4*

+8</)+�;:2/4+

K�54�/,+��49;8'4)+LFF

D�85*;):9�,58�/4*/</*;'29����

�'8:.7;'1+

/49;8'4)+

;6658:�:.+�8+9:8;):;8/4-�5,�:.+�2/<+2/.55*�5,

+'8:.7;'1+�</):/39�'4*�:.+�+'82?�8+)5<+8?�5,

'8+'9�./:�(?�+'8:.7;'1+9

�;:535(/2+

/49;8'4)+�,58���*'?�

�8535:+�:.+�8+*;):/54�5,�'))/*+4:9�)';9+*�(?

;4/49;8+*�<+./)2+9�:.85;-.�:.+�9'2+9�5,

';:535(/2+�/49;8'4)+�,58�(5885=+*�<+./)2+9

:.':�/9�'<'/2'(2+�,853�54+�*'?

�;:535(/2+

/49;8'4)+�8+2':+*�:.+

'):;'2�3/2+'-+

�8535:+�25=+8�-'952/4+�)549;36:/54�(?

/49;8'4)+�68+3/;3�9+::/4-�('9+*�54�:.+�'):;'2

3/2+'-+�*8/<+4�:5�.+26�8+*;)+�+4</8543+4:'2

(;8*+49

�;:535(/2+

/49;8'4)+�=/:.�+)5A

3'81

�'<+�5(:'/4+*��)5�'81�)+8:/,/)':/54�:.85;-.

68535:/54�5,�+)5/49;8'4)+�)+8:/,/)':+9�'4*

=+(�652/)?�)2';9+9��685</9/54�5,�/4,583':/54�,58

9',+�*8/</4-��'4*�/4/:/':/<+9�:5�8+*;)+

+4</8543+4:'2�(;8*+49�9;).�'9�+4)5;8'-/4-

:.+�;9+�5,�8+)?)2+*�';:535(/2+�6'8:9

�/8+�/49;8'4)+

685*;):9�,58�'-/4-

95)/+:?

�85</*+�'�6')1'-+�5,�)5<+8'-+�/4)2;*/4-�:.+

,/8+�/49;8'4)+�8/*+8�,58�'-/4-�95)/+:?��8/*+8�,58

2'4*258*�2/'(/2/:?�/49;8'4)+��+4.'4)+*�8/*+8�,58

8+4:+8�2/'(/2/:?�/49;8'4)+��+:)��'4*�'4)/22'8?

9+8</)+9��,58�35</4-�,;84/:;8+�'4*�).'4-/4-

2/-.:�(;2(9���4�'**/:/54�:5�9;6658:/4-�:.+�2/<+9

5,�:.+�+2*+82?��.+26�:.+�+2*+82?�35<+�/4�8+4:'2

.53+9�(?�5,,+8/4-�)5<+8'-+�,58�:.+�2599�5,�8+4:

/4)53+�'4*�)2+'4/4-�'4*�5:.+8�+>6+49+9

/4);88+*�(?�2'4*258*9�,853�952/:'8?�*+':.9�5,

:.+�+2*+82?�$+�.'<+�'295�9:'8:+*�:5�685</*+

4+=�8/*+89�,58�*'3'-+�)536+49':/54��=./).

)'4�8+9;2:�,853�*+3+4:/'�6':/+4:9�+4:+8/4-�'

8'/2='?�:8')1��/4�58*+8�:5�)54:8/(;:+�:5�(;/2*/4-

'4�'-+,8/+4*2?�95)/+:?

ここ

Enhancing the Quality of Products and Services > Development and Improvement of Products and Services from Stakeholders’ Perspective

137

�-8/);2:;8'2

�49;8'4)+I�4*/'J

�85</*+�'-8/);2:;8'2�/49;8'4)+�9).+3+��8'*.'4

�'4:8/��'9'2��/3'�%50'4'������%����/4�58*+8�:5

)54:8/(;:+�:5�/4)53+�9:'(/2/:?�,58�:.+�25=

/4)53+�+'84/4-�,'83+89��=.5�.'<+�,/4'4)+*

6;8).'9+9�5,�,+8:/2/@+89�'4*�,'83�+7;/63+4:

:.85;-.�25'49��(?�)536+49':/4-�6599/(2+

*+)8+'9+9�5,�/4)53+�)';9+*�(?�('*�=+':.+8

�4/3'2�/49;8'4)+�,58

)'::2+

(8++*+89I�4*/'J

�536+49':/54�,58�:.+�*+':.�5,�)5=9�'4*�95�54

=./).�685</*+9�/4)53+�9:'(/2/:?�,58�:.+�25=

/4)53+�+'84/4-�)'::2+�(8++*+89

D�85*;):9�,58�(;9/4+99

G�>)2;9/<+2?�,58

',+:?��'4'-+3+4:

�+8:/,/)':/54

+3/4'8H 6+)/'2

�54:8'):�,58

�556+8':/54�':

�))/*+4:9

�/9)5;4:�54�/49;8'4)+�68+3/;39�('9+*�54�:.+

'*<'4)+�*+9/-4':/54�8+)+/<+*�,853�:.+

'))/*+4:�3'4'-+3+4:�*+6'8:3+4:�/9�'662/+*�:5

:8'49658:':/54�)536'4/+9�:.':�:551�85'*�9',+:?

3'4'-+3+4:�)+8:/,/)':/54�9+3/4'8�68535:+*�(?

�/4/9:8?�5,��'4*���4,8'9:8;):;8+��!8'49658:�'4*

!5;8/93

�5368+.+49/<+�,55*

��'-8/(;9/4+99

)536+49':/54�62'4

$+�685</*+�)536+49':/54�,58�3'058�8/919

9;885;4*/4-�,55*�'4*�'-8/(;9/4+99��/4�58*+8�:5

9;6658:�:.+�*+<+2563+4:�5,�,55*�'4*

'-8/(;9/4+99

�5368+.+49/<+�3+-'

952'8�)536+49':/54

62'4���49;8'4)+�,58

3'81+:�5,�952'8

6.5:5<52:'/)

-+4+8':/54

+4:8+68+4+;89

�5368+.+49/<+2?�)5<+8�8/919�,')+*�(?

8+4+='(2+�+4+8-?�685*;)+89��8535:+�25=+8

�� �+3/99/549��8+*;)/4-�+4</8543+4:'2

(;8*+49��=/:.�'2:+84':/<+�+4+8-?

�5368+.+49/<+�93'22

=/4*�65=+8

-+4+8':/54

)536+49':/54�62'4

�5368+.+49/<+�5,,

9.58+�=/4*�65=+8

9?9:+3

)536+49':/54

�5368+.+49/<+

(/53'99�65=+8

-+4+8':/54

)536+49':/54�62'4

�5368+.+49/<+�93'22

'4*�3+*/;3�.?*85

65=+8�-+4+8':/54

)536+49':/54�62'4

ここ

Enhancing the Quality of Products and Services > Development and Improvement of Products and Services from Stakeholders’ Perspective

138

�5368+.+49/<+

3+*/)'2�/49:/:;:+

)536+49':/54�62'4

�85</*+�'�6')1'-+�:.':�)5368/9+9�<'8/5;9

:?6+9�5,�/49;8'4)+�'4*�8/91�)549;2:/4-�9+8</)+9

,58�3+*/)'2�/49:/:;:/549��54:8/(;:+�:5�:.+

9:'(2+�(;9/4+99�*+<+2563+4:�5,�3+*/)'2

/49:/:;:/549��:.+8+(?�9;6658:/4-�:.+�'-/4-

95)/+:?

�5368+.+49/<+

=+2,'8+�254-:+83

)'8+�(;9/4+99

56+8':589

)536+49':/54�62'4

�5368+.+49/<+2?�)5<+8�8/919�,')+*�(?�=+2,'8+

'4*�4;89/4-�)'8+�(;9/4+99�56+8':589

�54:8/(;:+�:5�:.+�9:'(2+�(;9/4+99�*+<+2563+4:

5,�=+2,'8+�'4*�4;89/4-�)'8+�(;9/4+99�56+8':589�

:.+8+(?�9;6658:/4-�:.+�'-/4-�95)/+:?

�5368+.+49/<+

)?(+8�9+);8/:?

)536+49':/54�62'4�

�?(+8�9+);8/:?

/49;8'4)+

�5368+.+49/<+2?�)5<+8�8/919�5,�)?(+8'::')19

�54:8/(;:+�:5�9:'(2+�3'4'-+3+4:�5,

)536'4/+9��:.+8+(?�9;6658:/4-�:.+

*+<+2563+4:�5,�95)/+:?

�5368+.+49/<+

*+3549:8':/54

+>6+8/3+4:�5,

';:54535;9�*8/</4-

)536+49':/54�62'4

�5368+.+49/<+2?�)5<+8�8/919�8+2':+*�:5

*+3549:8':/54�+>6+8/3+4:�5,�';:54535;9

*8/</4-�<+./)2+9��')/2/:':+�:.+�/445<':/54�5,

';:54535;9�*8/</4-�:+).4525-?�:5�9;6658:�:.+

8+'2/@':/54�5,�'�9',+��9+);8+��'4*�)53,58:'(2+

';:535(/2+�95)/+:?

�/'(/2/:?�/49;8'4)+

,58�.'@'8*5;9

3':+8/'2

:8'49658:':/54

�5368+.+49/<+2?�)5<+8�:.+�2/'(/2/:?�8/91�5,

9./66+89�/4�/4:+84':/54'2�3'8/:/3+

:8'49658:':/54�5,�.'@'8*5;9�3':+8/'29��:.+8+(?

9;6658:/4-�:.+�8+'2/@':/54�5,�'�9',+�'4*�9+);8+

95)/+:?

�5368+.+49/<+

*854+�)536+49':/54

62'4

�5368+.+49/<+2?�)5<+8�8/919�'995)/':+*�=/:.

:.+�)533+8)/'2�;9+�5,�*854+9��54:8/(;:+�:5

956./9:/)':/4-�56+8':/549�;9/4-�*854+9�9;).�'9

6+9:/)/*+�968'?/4-�'4*�'+8/'2�6.5:5-8'6./4-�

:.+8+(?�9;6658:/4-�:.+�*+<+2563+4:�5,�95)/+:?

�5368+.+49/<+

-25('2�(;9/4+99

)536+49':/54�62'4

�5368+.+49/<+2?�)5<+8�8/919�8+2':+*�:5

5<+89+'9�(;9/4+99�+>6'49/54�,58�93'22�'4*

3+*/;39/@+*�+4:+868/9+9�� ��9���')/2/:':+

:.+�9355:.�56+8':/54�5,�(;9/4+99�'):/</:/+9

5<+89+'9�:5�9;6658:�:.+�9:'(/2/@':/54�5,� ��9�

(;9/4+99�56+8':/549�5<+89+'9�'4*�:.+

*+<+2563+4:�5,�25)'2�)533;4/:/+9

;6658:/4-�3+4;�,58

/4(5;4*

+4:8+68+4+;89

$+�685</*+�/49;8'4)+��:8'/4/4-��9+3/4'89��8/91

)549;2:/4-��+:)��:'8-+:+*�':�/4(5;4*�(;9/4+99+9

9;).�'9�:8'<+2�'-+4)/+9�'4*�.5:+29��/4�58*+8�:5

9;6658:�8+-/54'2�*+<+2563+4:�(?�(')1/4-

/4(5;4*�(;9/4+99+9

�5368+.+49/<+

)2/4/)'2�8+9+'8).�2/1+

8+-+4+8':/54

�5<+8�8/919�8+2':+*�:5�)2/4/)'2�8+9+'8).�5,

8+-+4+8':/<+�3+*/)/4+��54:8/(;:+�:5�:.+

*+<+2563+4:�5,�3+*/)'2�:+).4525-?��:.+8+(?

ここ

Enhancing the Quality of Products and Services > Development and Improvement of Products and Services from Stakeholders’ Perspective

139

3+*/)/4+

)536+49':/54�62'49;6658:/4-�:.+�'-/4-�95)/+:?

F

D +8</)+9

�8++�93'8:6.54+

'662/)':/54�� ;3'

�5�����/9'9:+8

�'</-':/54��,+':;8+

54�93'8:6.54+

9+8</)+

;6658:�9',+�'4*�9+);8+�+<');':/54�'):/</:/+9

9;).�'9�:.85;-.�:.+�685</9/54�5,�*/8+):/549�:5

+<');':/54�9.+2:+89��45:/,/)':/549�5,�*/9'9:+8

/4,583':/54�*/99+3/4':+*�(?�25)'2�-5<+843+4:9�

145=.5=�54�*/9'9:+89��'4*�2/,+�2/4+

/4,583':/54

�8++�93'8:6.54+

'662/)':/54�� ;3'

�5����85</*/4-��669

:.':��8535:+� ',+:?

�85</*+�'4'2?9/9�5,�*8/</4-�91/22�).'8'):+8/9:/)9�

*8/<+�8+)58*+8��'*</)+�(+,58+�*8/</4-��';*/5

='84/4-9�=.+4�*8/<+89�'8+�'6685')./4-

25)':/549�=.+8+�'))/*+4:9�,8+7;+4:2?�5));8�

=/2*�=+':.+8�,58+)'9:�*+2/<+8?��'4*�5:.+8

9+8</)+9

3'8:6.54+

'662/)':/54�� ;3'

�5����515�'8'��/'8?

3'8:6.54+

'662/)':/54�� ;3'

�5����515�'8'��/'8?

$+�9;6658:�6+8954'2�.+'2:.�/3685<+3+4:9�(?

3+'9;8/4-�9:8+99�)54*/:/54��4;3(+8�5,�9:+69

:'1+4��'4*�)'258/+�)549;36:/54��'9�=+22�'9

8+)58*/4-�.+'2:.�*':'�/4)2;*/4-�=+/-.:�'4*�3+'2

)54:+4:9��58�)58658':+�);9:53+89��=+�9;6658:

:.+/8�.+'2:.�3'4'-+3+4:�(?�685</*/4-�'

*+*/)':+*�=+(9/:+�:.':�)'4�(+�;9+*�:5

'--8+-':+�+3625?++�.+'2:.�*':'��685</*+�.+'2:.

-;/*'4)+��+:)

�8++�93'8:6.54+

'662/)':/54�� ;6658:

��#��

�85</*+�*8/</4-�'(/2/:?�*/'-459/9�9?9:+39�=/:.

*8/<+�8+)58*+8��'))/*+4:�+3+8-+4)?�/4,583':/54

9+8</)+��+:)

�8++�93'8:6.54+

'662/)':/54�� ;3'

�5�����4/3'2��2+8:

�;4):/54�

�85</*+�9+8</)+�=./).�-/<+9�'2+8:�95;4*�;654

8+')./4-�'))/*+4:6854+�'8+'� +8</)+�9:'8:9

,853��1/4'='��8+,+):;8+���1/4'='��'/2J

�,,58:9�:5�68+<+4:

'4*�8+*;)+�:8',,/)

'))/*+4:9�(?�;:/2/@/4-

��))/*+4:��'6�

�85</*+��'))/*+4:�3'69��)8+':+*�(?�'4'2?@/4-

'4*�/*+4:/,?/4-�25)':/549�=.+8+�'))/*+4:9

,8+7;+4:2?�5));8�('9+*�54�'))/*+4:�*':'�.+2*

(?�:.+��536'4?�'4*�*':'�,853�+>:+84'2

/49:/:;:/549

�8++�93'8:6.54+

'662/)':/54�� ;3'

�5���� ',+:?�)?)2+�

I685</*/4-�*/'-459/9

:552�5,�9',+�(/)?)2+

*8/</4-J

;6658:�:.+�9',+�;9+�5,�(/)?)2+9�(?�685</*/4-

='84/4-9�'(5;:�+>)+99/<+�96++*��).+)1�2/9:9�,58

/496+):/54�'4*�3'/4:+4'4)+��+:)

+8</)+�,58��.+)1/4-

�4*/)':/54�5,� 2++6

�64+'� ?4*853+

��9+8</)+�:'8-+:+*�':�)58658':+�+3625?++9

:.':�+4'(2+9�:.+�).+)1/4-�5,�(+*:/3+�9458/4-��'

9?36:53�5,�92++6�'64+'�9?4*853+�� � ���=/:.

ここ

Enhancing the Quality of Products and Services > Development and Improvement of Products and Services from Stakeholders’ Perspective

140

� � � '�93'8:6.54+�62')+*�(?�:.+�(+*9/*+

� ;3'��'</���'

9+8</)+�9;6658:/4-

9',+�*8/</4-

/4/:/':/<+9

��:+2+3':/)9�9+8</)+�:.':�9;6658:9�)536'4/+9

/4�:.+/8�9',+�*8/</4-�/4/:/':/<+9

� '9'+8;��'</���'

:+2+3':/)9�9+8</)+

,58�+4:+868/9+

��:+2+3':/)9�9+8</)+�:'8-+:+*�':�,2++:

652/)?.52*+89�:.':�9;6658:9�)58658':+

);9:53+89�/4�:.+/8�<+./)2+�56+8':/54

3'4'-+3+4:�'4*�'))/*+4:�8+*;):/54�/4/:/':/<+9

�'</-':/54'2�9;6658:

9+8</)+9�,58

*53+9:/)�<+99+29

$+�9;6658:�9',+�4'</-':/54�(?�685659/4-�:.+

;9+�5,�'�96+)/'2�93'8:6.54+�685</*+*�(?

$+':.+84+=9��4)��=./).�'2+8:9�*53+9:/)

<+99+29�=.+4�:.+?�4'</-':+�/4�*'4-+85;9

=':+89��'4*�685</*+9�=+':.+8�'4*�5)+'4/)

,58+)'9:9�'4*�/3'-+9�5,�:.+�'8+'�'85;4*�'

<+99+2

�2+8:/4-�9+8</)+�5,

=+':.+8�/4,583':/54

+4*�5;:�'2+8:�+3'/29�=.+4�8'/4,'22��=/4*

96++*��58�945=,'22�/9�,58+)'9:+*�:5�+>)++*�:.+

9:'4*'8*�<'2;+9�':�'�354/:58+*�25)':/54��58

=.+4�2/-.:+4/4-�/9�5(9+8<+*�':�'�25)':/54�=/:./4

:.+�9:'4*'8*�*/9:'4)+�,853�:.+�354/:58+*

25)':/54��:5�)54:8/(;:+�:5�68+<+4:/4-�'4*

3/:/-':/4-�*'3'-+�,853�4':;8'2�*/9'9:+89

�)5�/49;8'4)+

)+8:/,/)':+�=+(

652/)?�)2';9+

��9?9:+3�:.':�+4'(2+9�652/)?.52*+89�:5�</+=

:.+/8�652/)?�)+8:/,/)':+9�'4*�652/)?�)2';9+9�54

:.+�=+(9/:+�5,�+').�)536'4?��8535:+�:.+

8+*;):/54�5,�+4</8543+4:'2�(;8*+49�:.85;-.

6'6+82+99�56+8':/54

�2+):854/)�)54:8'):

3+:.5*

�5362+:+�:.+�)54:8'):/4-�685)+*;8+�54�:.+

9)8++4�5,�'����(85;-.:�/4�(?�'4�'-+4:

�8535:+�:.+�8+*;):/54�5,�+4</8543+4:'2

(;8*+49�:.85;-.�6'6+82+99�56+8':/54

�'3/2?��?+���+2':/<+9

�5:/,/)':/54� ?9:+3�

!./9�/9�'�9?9:+3�/4�=./).�54+�8+2':/<+�5,�'

652/)?.52*+8�/9�8+-/9:+8+*�'9�'4�+3+8-+4)?

)54:'):�,58�/49;8'4)+�652/)/+9��:�3'1+9�/:

6599/(2+�:5�)54:'):�:.+�8+-/9:+8+*�8+2':/<+�'4*

+49;8+�358+�8+2/'(2+�*+2/<+8?�5,�/3658:'4:

45:/,/)':/549�,58�/49;8'4)+�652/)/+9�:5�:.+

8+-/9:+8+*�8+2':/<+�/4�'4�+3+8-+4)?��9;).�'9

=.+4�=+�)'445:�)54:'):�:.+�652/)?.52*+8��58�:5

.'<+�:.+�8+2':/<+�9.'8+�)54:8'):�/4,583':/54

',:+8�'�9/362+�/*+4:/,/)':/54�685)+*;8+�=.+4

/47;/8/+9�'8+�3'*+

;6658:/4-

)536'4/+9�:5�+>6'4*

5<+89+'9�56+8':/549

$+�5,,+8�8/91�3'4'-+3+4:�9+8</)+9�:5� 3'22

'4*��+*/;39/@+*��536'4/+9�+>6'4*/4-

5<+89+'9�'4*�9;6658:�:.+�5<+89+'9

*+<+2563+4:�5,� ��9

ここ

Enhancing the Quality of Products and Services > Development and Improvement of Products and Services from Stakeholders’ Perspective

141

�+6'/8�9+8</)+�,58

*'3'-+*�+7;/63+4:

;4*+8�:.+�)58658':+

,/8+�/49;8'4)+�62'4

�+*;)+�8+)5<+8?�)59:9�'4*�+49;8+�+'82?

8+)5<+8?�(?�+4'(2/4-�:.+�8+6'/8�5,�*'3'-+*

*+</)+9�'4*�+7;/63+4:��=./).�68+</5;92?�.'*�:5

(+�8+62')+*�=/:.�4+=�54+9��=/:.�+3+8-+4:

)58859/54�/4./(/:/54�3+'9;8+9�'4*�,;229)'2+

8+)5<+8?�=581

�((8+</':/54�9+8</)+

5,�)2'/39�*5);3+4:9

�3/:�:.+�9;(3/99/54�5,�)2'/3�*5);3+4:9��+:)

,58�)'8�'))/*+4:9�:.':�3++:�)+8:'/4�)54*/:/549

�8535:+�:.+�8+*;):/54�5,�+4</8543+4:'2

(;8*+49�:.85;-.�6'6+82+99�56+8':/54

FF

K�/,+�/49;8'4)+�'4*�3+*/)'2�/49;8'4)+L

�������

�+=�/4)53+�9+);8/:?

/49;8'4)+

!./9�/49;8'4)+�685</*+9�,58�:.+�8/91�5,

(+)53/4-�;4'(2+�:5�=581�58�5,�953+:./4-�=/:.

'�9/3/2'8�+,,+):�5));88/4-�� �

�������

�+=�3+*/)'2

/49;8'4)+����2;9

!./9�/49;8'4)+�685</*+9�3+'9;8+9�,58�'4�'-/4-

95)/+:?�'9�'�3+'49�:5�68+6'8+�,58

.596/:'2/@':/54�'4*�9;8-+8?�*;+�:5�/224+99�58

/40;8?�� �

� ./'='9+�&;::5�

,58+/-4�);88+4)?

*+453/4':+*�,/>+*

'35;4:�=.52+�2/,+

/49;8'4)+

�4�8+96549+�:5�'4�'*<'4)/4-�'-/4-�95)/+:?��:./9

/49;8'4)+�685</*+9�652/)?.52*+89�=/:.�3+'9;8+9

,58�(;/2*/4-�;6�:.+/8�5=4�'99+:9�:5�)5362+3+4:

:.+/8�6;(2/)�6+49/549�'4*�,58�+49;8/4-�:.':

'99+:9�'8+�/4.+8/:+*�/4�'4�'668568/':+�='?�(?

:.+�4+>:�-+4+8':/54

�85*;):9�,58�6+89549

=/:.�*/9'(/2/:/+9

��'2'?9/'�

�85</*+�)5<+8'-+�,58�/40;8/+9��.+'2:.�)'8+��'4*

';:535(/2+�'))/*+4:9�:5�9;6658:�:.+�2/<+9�5,

6+89549�=/:.�*/9'(/2/:/+9�/4��'2'?9/'

�2+):854/)

)54:8'):/4-

685)+99+9�:.85;-.

� +/.5��'4:'4

�5*+�

�';4)./4-�6'6+82+99��+2+):854/)��685)+*;8+9

)'22+*� +/.5��'4:'4��5*+��=+�.'<+�/3685<+*

)54<+4/+4)+�'4*�8+*;)+*�+4</8543+4:'2

(;8*+49�(?�)54<+8:/4-�<'8/5;9�6'6+8�,5839�/4:5

+2+):854/)�,583':9

FF

K�/4'4)/'2�9+8</)+9�'4*�5:.+8�(;9/4+99+9L

E�/4'4)/'2�685*;):9

$+':.+8�*+8/<':/<+9�+8/<':/<+9�:.':�)5<+8�2599+9�)';9+*�(?

+>:8+3+�=+':.+8

��!�(54*

�)':'9:856.+�(54*�

/99;'4)+�9;6658:

9+8</)+9

+8</)+�:5�9;6658:�:.+�/99;'4)+�5,���!�(54*

�����4�'**/:/54�:5�8+*;)/4-�:.+�(;8*+4�5,

);3(+8953+�'*3/4/9:8':/<+�685)+*;8+9�8+2':+*

:5�:.+�/99;'4)+�5,���!�(54*9��=+�685</*+�5;8

);9:53+89�=/:.�'*</)+�54�56:/3'2�/99;/4-

)54*/:/549�'4*�.+26�:.+3�:5�*/<+89/,?

)':'9:856./)�8/91�.+*-/4-�/49:8;3+4:9

ここ

Enhancing the Quality of Products and Services > Development and Improvement of Products and Services from Stakeholders’ Perspective

142

��������!�(54*�/9�'�3+).'4/93�:.85;-.�=./).

:.+�8/91�5,�'�2'8-+9)'2+�*/9'9:+8�9;).�'9

+'8:.7;'1+�58�:?6.554�/9�:8'49,+88+*�,853�54+

6'8:?�:5�:.+�)'6/:'2�3'81+:9��9�254-�'9�45

*/9'9:+8�+>)++*/4-�'�68+*+:+83/4+*�:.8+9.52*

5));89��/4<+9:589����!�(54*�6;8).'9+89�

8+)+/<+�)5;6549�6+8/5*/)'22?�'4*�.'<+�68/4)/6'2

8+6'/*�':�3':;8/:?��5=+<+8��/4�:.+�+<+4:�:.':�'

*/9'9:+8�+>)++*/4-�9;).�:.8+9.52*�5));89��:.+

68/4)/6'2�:5�(+�8+6'/*�/9�8+*;)+*�6'8:/'22?�58

+4:/8+2?�95�:.':�/:�/9�;9+*�:5�)536+49':+

);9:53+89�,58�:.+/8�2599+9

FF

E ;6658:�9?9:+39

�')/,/)�)':'9:856.+

8/91�'99+993+4:�'4*

,/4'4)/4-��4/:/':/<+

�49;8'4)+��')/2/:?

"4*+8�:./9�685-8'3��=./).�='9�9+:�;6�05/4:2?�(?

:.+��'6'4+9+�-5<+843+4:�'4*�:.+�$582*��'41�

� ��'9�'�8/91�;4*+8=8/:/4-�/49;8'4)+�)536'4?

685</*+9�8+)549:8;):/54�,;4*9�:5�:.+�4':/549�/4

:.+��')/,/)��92'4*9�:.':�'8+�',,2/):+*�(?�4':;8'2

*/9'9:+89�:5�68535:+�:.+�8+9:8;):;8/4-�5,�:.+

2/<+2/.55*�5,�*/9'9:+8�</):/39�'4*�:.+�+'82?

8+)5<+8?�5,�'8+'9�./:�(?�*/9'9:+89

F

E�/91�)549;2:/4-�9+8</)+

�;3'4�8/-.:9�8/91

3'4'-+3+4:�9;6658:

9+8</)+9

�+26�5;8�);9:53+89�:5�3'4'-+�.;3'4�8/-.:9

/99;+9�(?�9;6658:/4-�:.+3�/4�:.+�,583;2':/54�5,

.;3'4�8/-.:9�652/)/+9�('9+*�54�/4:+84':/54'2

9:'4*'8*9��.;3'4�8/-.:9�/36'):�'99+993+4:�

58-'4/@':/54�5,�2+):;8+9�'4*�:8'/4/4-9�54�.;3'4

8/-.:9�8/919��)522+):/54�5,�/4,583':/54�'4*

/362+3+4:':/54�5,�9;8<+?9�8+2':+*�:5�.;3'4

8/-.:9�8/919��'4*�5:.+8�+,,58:9�8+2':+*�:5�.;3'4

8/-.:9�8/91�3'4'-+3+4:

;6658:/4-�,58

�;9/4+99�)54:/4;/:?

3'4'-+3+4:�9?9:+3

���� �

;6658:�:.+�+9:'(2/9.3+4:�5,�'�9?9:+3�:.':

+49;8+9�:.+�8+9;36:/54�5,�56+8':/549�=/:./4�'

:'8-+:�:/3+�,8'3+�/4�:.+�+<+4:�:.':�(;9/4+99

'):/</:/+9�'8+�9;96+4*+*�*;+�:5�'�2'8-+

+'8:.7;'1+��/4,+):/5;9�*/9+'9+��58�5:.+8

8+'9549��'4*�:.+�,583;2':/54�5,�(;9/4+99

)54:/4;/:?�62'49�����9�

�549;2:/4-�(?

!9;4'3/�8/91�35*+29

�549;2:/4-�9+8</)+9�:.':�/4)58658':+�*'3'-+

,853�:9;4'3/�/4�+'8:.7;'1+�8/91�'4'2?9/9

�549;2:/4-�9+8</)+

,58�=':+8�*/9'9:+8

68+<+4:/54

;6658:�)536'4/+9�/4�*+<+256/4-�:.+/8�(;9/4+99

)54:/4;/:?�3'4'-+3+4:�������62'49�:.85;-.

)549;2:/4-�,5);9/4-�54�8/<+8�,255*/4-��/4;4*':/54

/49/*+�'�2+<++��'4*�./-.�:/*+9

ここ

Enhancing the Quality of Products and Services > Development and Improvement of Products and Services from Stakeholders’ Perspective

143

;6658:/4-�9?9:+3

,58�</):/39�5,�4':;8'2

*/9'9:+89�:5�8+2/+,

��9?9:+3�:.':�685</*+9�)5368+.+49/<+�9;6658:

:5�25)'2�-5<+843+4:9�:5�.+26�*/9'9:+8�</):/39

8+9:8;):;8+�:.+/8�2/<+9��/4)2;*/4-�/99;'4)+�5,

�/9'9:+8�#/):/3��+8:/,/)':+9

+8</)+�,58�8/91

3'4'-+3+4:�5,

';:535(/2+�/49;8'4)+

#'8/5;9�+,,+):/<+�685-8'39�'4*�952;:/549�:5

68+<+4:�'4*�*+)8+'9+�'))/*+4:9

+3/4'8�,58�9',+:?

*8/<+

�))/*+4:�68+<+4:/54�'4*�8+*;):/54�9+3/4'8�

)54*;):+*�(?�'�-85;6�)536'4?�)+8:/,/+*�(?�:.+

�/4/9:8?�5,��'4*���4,8'9:8;):;8+�'4*�!8'49658:

'4*�!5;8/93�'9�'4�/362+3+4:/4-�'-+4)?�

:'8-+:/4-�';:535(/2+�:8'49658:':/54�(;9/4+99

56+8':589

�/91�)549;2:/4-

9+8</)+�'(85'*

�99;3+�6599/(2+�3':+8/'2�8/919�5<+89+'9��9;).

'9�:+8858/9:�'::')19�'4*�2'8-+9)'2+�*/9'9:+89�

'4*�9;6658:�3+'9;8+9�'-'/49:�:.+9+�8/919

�549;2:/4-�9+8</)+

'-'/49:

+4</8543+4:'2�8/91

+8</)+�,58�7;'4:/:':/<+�'99+993+4:�5,�/36'):9

54�4':;8'2�)'6/:'2�'4*�9+8</)+�,58�'99+993+4:

5,�=':+8�8/919��=':+8�*+62+:/54��=':+8�*/9'9:+89�

+:)�

;6658:/4-�9+8</)+

,58�+4+8-?�(;9/4+99

;6658:�/4/:/':/<+9�9;).�'9�+2+):8/)/:?�'4*

+4+8-?�)549+8<':/54��/3685</4-�)53,58:�/4�:.+

=581/4-�+4</8543+4:��'4*�8+*;)/4-�+4+8-?

)59:9

�4</8543+4:'2�� �

3'4'-+3+4:

)549;2:/4-�9+8</)+

;6658:�:.+�')7;/9/:/54�5,�'))8+*/:':/54�,58�'4*

/3685<+3+4:�5,�+4</8543+4:'2�3'4'-+3+4:

9?9:+39�'4*�:.+�,583;2':/54�5,�+4</8543+4:'2

� ��8+658:9

�549;2:/4-�9+8</)+9

54�(/5*/<+89/:?

�'1+�685659'29�:5�)536'4/+9�,58�(/5*/<+89/:?

68+9+8<':/54�/4/:/':/<+9�'4*�:.+/8�/3685<+3+4:

$':+8��/91

�99+993+4:� +8</)+

/362+�'99+993+4:�5,�+>659;8+�:5�=':+8�8/91

54�/4*/</*;'2�3'4;,'):;8+�65/4:��*53+9:/)�

5<+89+'9��('9+9

FF

E�:.+8�(;9/4+99+9

�'?�.53+�,58�:.+

'-+*�=/:.�'�4;89/4-

�6+8':+�%5;��/,+�%515.'3'�'4*�%5;��/,+

+:'-'?'

�4.53+�4;89/4-�)'8+

(;9/4+99

�6+8':+�/4.53+�4;89/4-�)'8+�9;6658:

(;9/4+99�'4*�.53+</9/:�4;89/4-�)'8+�(;9/4+99

5,,/)+9�':�'�:5:'2�5,�:.8++�25)':/549�/4

%515.'3'�'4*��'-5?'

#/9/:�4;89/4-

(;9/4+99

�6+8':+�,5;8�*'?9+8</)+�)+4:+89�/4

./4'-'='���/@;.5���3/?'��'4*��('8'1/

ここ

Enhancing the Quality of Products and Services > Development and Improvement of Products and Services from Stakeholders’ Perspective

144

������85*;):9�/4�K�85*;):9�,58�/4*/</*;'29L'4*�K�85*;):9�,58�(;9/4+99L�'8+�)':+-58/@+*�('9+*�54�:.+/8�3'/4�9)56+

�� ���54':/549�'8+�3'*+�:5�:.+��;:.58/@+*�454685,/:�58-'4/@':/54B�'6'4��533/::++�#'))/4+9�,58�:.+�$582*�9��./2*8+4�:5�685</*+�,;4*9�,58

6;8).'9/4-�<'))/4+9�+:)��=/:.�:.+�'35;4:�*+6+4*/4-�54�:.+�4;3(+8�5,�4+=�)54:8'):9�')7;/8+*

ここ

Enhancing the Quality of Products and Services > Development and Improvement of Products and Services from Stakeholders’ Perspective

145

�7A1:=AC@3�AB/B3;3<B

��==9�B=�/<AE3@�G=C@�?C3AB7=<

/CB=;=07:3�7<AC@/<13��>/;>6:3B

�<�=@23@�B=�23:7D3@�7<4=@;/B7=<�=<�7<AC@/<13�/<2�A3@D713A�B=�D/@7=CA�1CAB=;3@A��B63�#)�����<AC@/<13��@=C>�7A�23D3:=>7<5

/<2�>@=D727<5�A7;>:3@�/<2�;=@3�1=<D3<73<B�0CA7<3AA�>@=132C@3A�-3�/@3�B@G7<5�B=�>@=D723�0CA7<3AA�>@=132C@3A�/<2

7<4=@;/B7=<�E6716�>/G�2C3�1=<A723@/B7=<�B=�B63�3:23@:G�/<2�>3@A=<A�E7B6�27A/07:7B73A��E67:3�CB7:7H7<5�&�A�/<2�A;/@B>6=<3A

&&@@==DD77AA77==<<��==44����//AAGGBB==CC<<2233@@AABB//<<22����FF>>:://<<//BB==@@GG��##//BB33@@77//::AA

#)��������#)���7=7�"743��/<2�#)��&@7;/@G�"743�6/D3�:/72�2=E<�7<6=CA3�@C:3A�1=<13@<7<5

B3@;A�B=�03�CA32�7<�>=:71G�1:/CA3A�/<2�7B3;A�4=@�<=B/B7=<�7<�>/;>6:3BA��E3�035/<�CA7<5

>=:7173A�/<2�>/;>6:3BA�E7B6�>:/7<�B3@;A�/<2�475C@3A

-63<�A=:717B7<5�7<AC@/<13�E7B6�>=:7173A�34431B7D3��E3�6/D3�/2=>B32�/�4=<BA�BG>3�B6/B�/@3

3/AG�B=�@3/2�/<2�723<B74G��+��4=<B��7<�>/;>6:3BA�/<2�27A1:=AC@3�AB/B3;3<BA�4=@

3F>:/7<7<5�B=�1CAB=;3@A�/0=CB�7;>=@B/<B�/@3/A�7<�B637@�2=1C;3<B/B7=<�AC16�/A�B63

�>=:71G�AC;;/@G��/<2�B63��7<4=@;/B7=<�1/::7<5�4=@�/BB3<B7=<��(35/@27<5�B63�27A1:=AC@3

AB/B3;3<B��E3�6/D3�E=@932�B=�>@3A3<B�B63�;/B3@7/:A�7<�3/A73@B=C<23@AB/<2�4=@;/BA�

AC16�/A�4=@;/BA�B6/B�3F>:/7<�>@=13AA3A�7<�16@=<=:=571/:�=@23@

��//AAGGBB==CC<<2233@@AABB//<<22��&&//;;>>66::33BB

�B�#)���/�>/;>6:3B�1/::32���==9�B=��<AE3@�.=C@�'C3AB7=<A�=<��CB=;=07:3��<AC@/<13�

7A�/D/7:/0:3�4=@�167:2@3<�B=�/532�@3/23@A��E6716�3/A7:G�3F>:/7<A�E6/B�/CB=;=07:3

7<AC@/<13�7A�-7B6�:/@53@�>@7<BA�/<2�4C::�=4�7::CAB@/B7=<A��B63�>/;>6:3B�/<AE3@A

1CAB=;3@A��2=C0BA�7<�/�?C3AB7=</<2/<AE3@�A3AA7=<�B=�>@=D723�/<��3/AG��7;/53�B=

/CB=;=07:3�7<AC@/<13�E6716�7A�1=<A723@32�B=�03�6/@2�B=�C<23@AB/<2

ここ

Enhancing the Quality of Products and Services > Upgrading Customers’ Ease of Understanding and Convenience

146

�*%+����CB=;=07:3��<AC@/<13��>/;>6:3B

��"����$3E�#3271/:��<AC@/<13

��&:CA��>/;>6:3B

�<�B63�>/;>6:3BA�=4�7BA�1=@3��*%+����CB=;=07:3��<AC@/<13���/<2�=B63@

>@=2C1BA������6/A�;/23�344=@BA�4=@�63:>7<5�1CAB=;3@A�53B�/<�3/AGB=

C<23@AB/<2�53<3@/:�723/�/0=CB�/CB=;=07:3�7<AC@/<13��E6716�7A�=4B3<

1=<A723@32�274471C:B�*63G�2=�B67A�0G�>@=D727<5�>/53A�B6/B�A6=EA�B63�3<B7@3

1=D3@/53�4=@�0=27:G�7<8C@G�/<2�>@=>3@BG�2/;/53�:7/07:7B73A���A7;>:3

>/;>6:3B�7A�/:A=�>@=D7232��E6716�7<1:C23A�AC;;/@73A�=4�>@=2C1BA�=443@32

�=@���"����$3E�#3271/:��<AC@/<13���&:CA���#)���7=7�"743�6/A�>@3>/@32�>/;>6:3BA

E6716�:/G�=CB�B63�;/7<�1=<B@/1B�/<2�3/16�A>317/:�1=<B@/1B�7<�27443@3<B�1=:=@A�0G

1/B35=@G�*63G�>@=D723�B67A�>/;>6:3B��E6716�E/A�;/23�B=�03�3/A7:G�C<23@AB==2�0G

1CAB=;3@A�/<2�B=�/::=E�CA�B=�1=;;C<71/B3�3/A7:G�E7B6�=C@�1CAB=;3@A�/A�B63G�BC@<�B63

>/53A

ここ

Enhancing the Quality of Products and Services > Upgrading Customers’ Ease of Understanding and Convenience

147

#)�IA�E30A7B3

�<AC@/<13�&=:71G

�3B/7:�A1@33<�/B��CAB=;3@

-30�)3@D713A��#)��

���IA�E30A7B3

��;;>>@@==DD33��BB6633����==<<DD33<<7733<<1133��44==@@����CCAABB==;;33@@AA��77<<����==<<BB@@//11BBAA

��<<BB33@@<<33BB��))33@@DD771133AA

#)��A3::A�=D3@A3/A�B@/D3:�7<AC@/<13��7<AC@/<13�4=@�071G1:3�CA3@A��5=:43@

7<AC@/<13��/<2�;=B=@�0793�:7/07:7BG�7<AC@/<13�=<�B63�E30A7B3�=4�/53<173A��<

/227B7=<��2@7D3@�A�7<AC@/<13�B6/B�7A�A=:2�=<�/���6=C@�0/A7A��1/::32�� ��/G

�<AC@/<13��E/A�:/C<1632�7<�47A1/:��� ���>>@=F7;/B3:G�����B6=CA/<2

1CAB=;3@A�=@�;=@3�CA3�B63���CAB=;3@�-30�)3@D713��>@=D7232�B=�>@7D/B3

1CAB=;3@A�=<�B63�E30A7B3�%<:7<3��1CAB=;3@A�1/<�1=<47@;�B63�1=<B3<B�=4

>=:7173A�E7B6�B63��31=�7<AC@/<13�13@B7471/B3��/<2��7<AC@/<13�1:/CA3�=<�B63

E30���16/<53�B63�/22@3AA��/<2�B/93�>@=132C@3A�B=�@3>:/13�D3671:3A

1=D3@32�0G���!��CB=;=07:3��<AC@/<13���B�7A�/:A=�>=AA70:3�B=�1=<47@;�B63

1=<B3<BA�=4�>=:7173A�/<2�B/93�>@=132C@3A�B=�16/<53�G=C@�/22@3AA�B6@=C56

B63�4@33�A;/@B>6=<3�/>>:71/B7=<���)C;/�=�

����>@=D723A�J#G�&/53K�B=�1CAB=;3@A�E7B6�/<G�=<:7<3�3<D7@=<;3<B��4=@

3F/;>:3��&���A;/@B>6=<3��B/0:3B�&���=@�13::�>6=<3�����AC>>=@BA�1CAB=;3@A

E7B6�D/@7=CA�A3@D713A���AC16�/A�B63��31=�7<AC@/<13�13@B7471/B3��/<2�B63

�7<AC@/<13�1:/CA3�=<�B63�E30��B=�1=<47@;�>=:71G�1=<B3<BA��B63��/11723<B

>@=5@3AA�@3>=@B��B=�1=<47@;�B63�AB/BCA�=4�/11723<B�@3A>=<A3A��>@7H3A�4=@

1CAB=;3@A�B=�/>>:G�E7B6�/11C;C:/B32�>=7<BA�B=�@3137D3�574BA��/<2�2=</B3

03::�;/@9A�#=@3�B6/<���;7::7=<�1CAB=;3@A�6/D3�CA32�B63A3�A3@D713A�/A�=4

�>@7:��� �

�<�/227B7=<��1CAB=;3@A�E6=�2=�<=B�;/93�CA3�=4�B63��#G�&/53��A3@D713�1/<

/:A=�;/93�16/<53A�B=�B637@�/22@3AA�4=@�/::�1=<B@/1BA��/A�E3::�/A�;/93

16/<53A�7<�B63��D3671:3�@3>:/13;3<B����/53�1@7B3@7/���/<2��2@7D3@�:7;7B32�

A31B7=<A�4=@�/CB=;=07:3�7<AC@/<13��B6@=C56�B63�E30A7B3����6=C@A�/�2/G�����

2/GA�/�G3/@

#7BAC7��7@31B��3<3@/:�A3BA�J#G�6=;3>/53K�4=@�3/16�>=:71G6=:23@�/<2�6/A

/0=CB���������@357AB3@32�CA3@A�/A�=4�#/@16��� ���D/7:/0:3�A3@D713A�/B�B63

J#G�6=;3>/53K�7<1:C23�>@=132C@3A�4=@�1=<B@/1B�@3<3E/:��53BB7<5�3AB7;/B3A

4=@�/�<3E�>=:71G��/>>:71/B7=<�>@=132C@3A�/<2�@3>=@B7<5�/<�/11723<B

�<�/227B7=<��4=@�B63�>C@>=A3�=4�7;>@=D7<5�=>3@/07:7BG�=4�A;/@B>6=<3A�/<2

B/0:3BA��B63�CA3�=4�E6716�7A�@/>72:G�7<1@3/A7<5��B63�@3A>=<A7D3�E30�23A75<A

/@3�/2=>B32�B=�=>B7;7H3�B63�:/G=CB�4=@�3/16�23D713�1CAB=;3@A�/@3�CA7<5

ここ

Enhancing the Quality of Products and Services > Upgrading Customers’ Ease of Understanding and Convenience

148

��::3311BB@@==<<7711����==<<BB@@//11BB77<<55��&&@@==113322CC@@33

#)��/<2�����/@3�>@=;=B7<5�3:31B@=<71�>@=132C@3A�7<�E6716�/�1CAB=;3@�1/<

/>>:G�4=@�/�1/@�/<2�47@3�7<AC@/<13�1=<B@/1B�=<�/�1=;>CB3@�A1@33<�0@=C56B�7<

0G�AB/44�=4�/<�/53<B

�B�7A�>=AA70:3�B=�7<271/B3�B63�1=<B3<BA�=4�7<AC@/<13�1=<B@/1B�7<�/<�3/AGB=

C<23@AB/<2�;/<<3@�=<�B63�A1@33<��16/<53�B63�1=<B3<BA�=4�1=D3@/53��/<2

@33AB7;/B3�B63�>@3;7C;�=<�B63�A>=B�*63�1=<B@/1B7<5�>@=13AA�7A

1=;>:3B32�0G�>@3AA7<5�B63�/>>:71/B7=<�0CBB=<�=<�B63�A1@33<��A�/�@3AC:B��7B

7A�<=B�<313AA/@G�4=@�/�1CAB=;3@�B=�A75<�=@�AC0;7B�/<�/>>:71/B7=<�4=@;�*63

4C<1B7=<�7<�E6716�B63�@357AB@/B7=<�A7B3�=4�1@327B�1/@2�7<4=@;/B7=<�1/<�03

3/A7:G�1/::32�4@=;�/�;=07:3�>6=<3�E/A�/2232�4=@�1CAB=;3@A�E6=�E/<B�1@327B�1/@2�>/G;3<B��E6716�1=<B@70CB3A�4=@

>/>3@:3AA�/<2�7;>@=D3�B63�1=<D3<73<13�-3�6=>3�B=�3F>/<2�B63�CA/53�=4�3:31B@=<71�>@=132C@3A�0G�;/97<5�B63�4C<1B7=<A

AB@3<5B63<32�/<2�7;>@=D32

#)���7=7�"743�=443@A�>/>3@:3AA��3:31B@=<71��>@=132C@3A�1/::32�J)376=�!/<B/<�#=23K�E6716�/::=E�1CAB=;3@A�B=�;/93�/<

7<AC@/<13�1=<B@/1B�8CAB�0G�5=7<5�B6@=C56�B63�/>>:71/B7=<�>@=132C@3A�=<�/�1=;>CB3@��<�/227B7=<��2757B7H7<5�>/>3@�7B3;A�AC16

/A�>@=2C1B�0@=16C@3A�B6/B�E3@3�<313AA/@G�4=@�>@=>=A7<5�7<AC@/<13�>@=2C1BA�B=�1CAB=;3@A�/::=EA�B63;�B=�=0B/7<�D/@7=CA

>7313A�=4�7<4=@;/B7=<�/<2�;/93�7<?C7@73A�B6@=C56�/�1=;>CB3@�-3�6/D3�/1673D32�/�A75<7471/<B�7;>@=D3;3<B�7<�1=<D3<73<13

/<2�A7;>:3<3AA�4@=;�>@=>=A/:�B=�1=<B@/1B�>@=13AA

��77AAAA33;;77<<//BB77==<<��==44����<<44==@@;;//BB77==<<��==<<����<<AACC@@//<<1133��&&@@==22CC11BBAA����33BB11��==<<��JJ""��$$��KK

#)��/<2�����=443@�<3E�A3@D713A�4=@�1CAB=;3@A�CA7<5�J"�$�K��/�1=;;C<71/B7=<

/>>:71/B7=<�=>3@/B32�0G�"�$���=@>=@/B7=<

#)��=443@A�1CAB=;3@A�@357AB3@32�E7B6�J�CAB=;3@�-30�)3@D713AK�/�CA34C:�4C<1B7=<�7<

1/A3�=4�/<�/11723<B�=@�27A/AB3@�*63�4C<1B7=<��CA7<5�B63�*/:9�/<2�&3@A=</:����4C<1B7=<

=4�J"�$�K��/::=EA�CA3@A�B=�16319�B63�23B/7:A�=4�B637@�=E<�7<AC@/<13�1=<B@/1B�/<2�@3>=@B

/<�/11723<B�*=�>@=D723�B63�A3@D713�7<1:C27<5�;/97<5�7<?C7@73A�B=�/<�/53<B�/<2�@3>=@B7<5

/<�/11723<B�B6@=C56�J"�$�K�7A�B63�47@AB�/BB3;>B�7<�B63�7<2CAB@G

����7A�B@G7<5�B=�;/93�1=<B@/1B�>@=132C@3A�;=@3�1=<D3<73<B��E67:3�>@=D727<5�7<4=@;/B7=<

=<�J%<32/G�)C>>=@B3@�K�/CB=;=07:3�7<AC@/<13�E6=A3�1=<B@/1B�>@=132C@3�1/<�03

3/A7:G�1=;>:3B32�B6@=C56�A;/@B>6=<3A��/<2�=<�7<AC@/<13�>@=2C1BA�/11=@27<5�B=�B63

A3/A=<��<�/227B7=<�B=�7<4=@;/B7=<�=<�7<AC@/<13�>@=2C1BA��7B�7A�23:7D3@7<5�CA34C:�1=<B3<BA�

AC16�/A�?C7HH3A�4=@�A/43BG�2@7D7<5�/<2�63/:B6G�@317>3A

*63�#)�����<AC@/<13��@=C>�E7::�1=<B7<C3�=443@7<5�>@=2C1BA�/<2�A3@D713A�B6/B�A/B7A4G

1CAB=;3@�<332A

ここ

Enhancing the Quality of Products and Services > Upgrading Customers’ Ease of Understanding and Convenience

149

&=AB1/@2�4=@�/<<=C<13;3<B�=4�;/BC@7BG�2/B3 'C=B3A�4=@�1=<B@/1B�@3<3E/:

((33113377DD33��++����������EE//@@22������ ������$$==<<::774433����<<AACC@@//<<1133����77@@3311BB��))//::33��**GG>>33��

#7BAC7��7@31B��3<3@/:�E/A�>@3A3<B32�E7B6�B63�67563AB�/E/@2��+�����E/@2��� ���4=@�<=<:743�7<AC@/<13�27@31BA/:3�BG>3�

/B�B63��� ��+�����E/@2A�=@5/<7H32�0G�B63�+<7D3@A/:��=;;C<71/B7=<��3A75<��AA=17/B7=<��+������B�7A�B63�47@AB�B7;3�/A

27@31B�53<3@/:�7<AC@/<13�1=;>/<G�B6/B�#7BAC7��7@31B��3<3@/:�@3137D32�JB63�+�����E/@2K�4=@�BE=�1=<A31CB7D3�G3/@A

*=�3F>:/7<�7;>=@B/<B�<=B713��E6716�E/A�=<3�=4�B63�3D/:C/B7=<�7B3;A��#7BAC7��7@31B��3<3@/:�6/A�;/23�:/G3@A�=4

7;>@=D3;3<BA�B=�;/93�B63�1=<B3<BA�A7;>:3�/<2�3/AGB=C<23@AB/<2��B67<97<5�03G=<2�B63�>@31323<BA��B�1/@34C::G�A3:31B32

1=<B3<BA�B=�7<1:C23�7<�B63�2=1C;3<B��@3D73E32�B63�:/G=CB�/<2�1=:=@A�/<2�34431B7D3:G�/2=>B32�7::CAB@/B7=<A�*63A3�344=@BA

E3@3�@31=5<7H32

��==<<AA772233@@//BB77==<<��44==@@��BB6633����::2233@@::GG��//<<22��&&33@@AA==<<AA��EE77BB66����77AA//0077::77BB7733AA

#)��/<2�����/@3�>@=;=B7<5�/>>@=>@7/B3�7<AC@/<13�A/:3A�B=�B63�3:23@:G�/<2�>3@A=<A�E7B6�27A/07:7B73A�0G�7<AB7BCB7<5�B63

4C<2/;3<B/:�@C:3A�B6/B�A/:3A>3=>:3�;CAB�AB@7D3�B=�J5/7<�/<�/11C@/B3�5@/A>�=4�1CAB=;3@I�7<B3<B7=<A�K�J3F>:/7<�B67<5A�7<�/<

3/A7:G�C<23@AB==2�/<2�>=:7B3�;/<<3@�K�/<2�J/@@/<53�4=@�1CAB=;3@AI�@3:/B7D3A�B=�A7B�2=E<�B=53B63@�E7B6�1CAB=;3@A�B=

/AA7AB�7<�2317A7=<�;/97<5

#=@3=D3@��/7;7<5�B=�;/@93B�7<AC@/<13�>@=2C1BA�E7B6�AB7::�5@3/B3@�>=:7B3<3AA�/<2�/>>@=>@7/B3<3AA��B63�1=;>/<73A�6/D3

7<AB7BCB32�23B/7:32�@C:3A�4=@�1=<A173<B7=CA:G�1/B3@7<5�B=�1CAB=;3@�<332A�E63<�<313AA/@G�B6@=C56�AC16�;3B6=2A�/A

J/@@/<57<5�4=@�1CAB=;3@A�B=�03�A3@D32�0G�;C:B7>:3�A/:3A>3=>:3�K�J/@@/<57<5�4=@�;C:B7>:3�;33B7<5A�E63<�@3?C3AB32�K�/<2

J/@@/<57<5�4=@�/<=B63@�A/:3A>3@A=<�B=�1=<47@;�/<2�4=::=E�C>�=<�B@/<A/1B7=<AK��227B7=</:�J;/97<5�/�;3;=@/0:3

7;>@3AA7=<K�@C:3A�4=@�7<B3@/1B7<5�E7B6�3:23@:G�/<2�27A/0:32�1CAB=;3@A�7<1:C23�JA>3/9�7<�/�AB3/2G�D=713��A:=E:G��1:3/@:G��E7B6

1:3/@�3<C<17/B7=<�K�JA339�B=�>@3A3<B�3F>:/</B7=<A�E67:3�@3>:/17<5�4=@375<�:=/<�E=@2A�/<2�7<AC@/<13�8/@5=<�E7B6�=@27</@G

E=@2AK

#)��/<2�����AB7>C:/B3�B6/B�A/:3A�>3=>:3�23/:�E7B6�>3@A=<A�E7B6�27A/07:7B73A�7<�B63�A/;3�;/<<3@�/A�B63G�23/:�E7B6�B63

3:23@:G��<�:756B�=4�B63�7;>:3;3<B/B7=<�=4�JB63��1B�=<�B63��:7;7</B7=<�=4��7A/07:7BG��7A1@7;7</B7=<K��E3�E7::�4C@B63@�AB@7D3�B=

/D=72�27A1@7;7</B=@G�B@3/B;3<B�/<2�57D3�@3/A=</0:3�1=<A723@/B7=<�B=�27A/0:32�1CAB=;3@A

�C@B63@;=@3��E3�/@3�E=@97<5�B=�;/93�@343@3<13�;/B3@7/:�3/A73@�B=�C<23@AB/<2�0G�CA7<5�4=<BA�E7B6�:3BB3@7<5�B6/B�7A�3/A7:G

27AB7<5C7A6/0:3�/<2�B6/B�1/<�03�3/A7:G�@3/2�0G�3D3<�B63�3:23@:G��AC16�/A��+<7D3@A/:��3A75<��=<BA���3<:/@57<5�B3FB�A7H3A��/<2

/2=>B7<5�1=:=@A�/<2�23A75<A�B6/B�1=<A723@�7<27D72C/:�27443@3<13A�7<�B63�/07:7BG�B=�A33�1=:=@�/;=<5�>3@A=<A�E7B6�27A/07:7B73A

/<2�B63�3:23@:G��<�=@23@�B=�3<AC@3�B63�/>>@=>@7/B3<3AA�=4�B63A3�7<7B7/B7D3A��E3�E7::�1=<B7<C3�B=�7;>@=D3�>@=2C1BA�/<2

A3@D713A�3D3<�4C@B63@�0G�/</:GH7<5�=>7<7=<A�4@=;�3:23@:G�1CAB=;3@A�/A�E3::�/A�1CAB=;3@A�E7B6�27A/07:7B73A�/<2�1=<A723@7<5

/>>@=>@7/B3�7;>@=D3;3<B�;3/AC@3A

ここ

Enhancing the Quality of Products and Services > Upgrading Customers’ Ease of Understanding and Convenience

150

��!��CB=;=07:3��<AC@/<13�

>/;>6:3B

((33:://BB77DD33AA��$$==BB77447711//BB77==<<��))GGAABB33;;

J�/;7:G��G3��(3:/B7D3A�$=B7471/B7=<�)GAB3;�K��AB/@B32�7<� /<C/@G��� ��0G

#)��/<2������6/A�/1673D32� ������@357AB3@32�1=<B@/1BA�0=B6�#)��/<2����

1=;07<32�/A�=4�B63�3<2�=4�#/@16��� ��*67A�AGAB3;�7A�B63�47@AB�A3@D713�7<

B63�<=<:743�7<AC@/<13�7<2CAB@G�E6716�;/93A�AC@3�B=�23:7D3@�7;>=@B/<B

<=B7471/B7=<A�@35/@27<5�7<AC@/<13�>=:7173A�B=�B63�@357AB3@32�@3:/B7D3A�=4�B63

>=:71G6=:23@A�4@=;�CA�=@�/53<BA�1/<D/AA3@A�2C@7<5�3;3@53<173A�E63<�E3

1/<<=B�1=<B/1B�3:23@:G�>=:71G6=:23@A�-3�E7::�AC>>=@B�A31C@7BG�/<2�A/43BG�=4

B63�/57<5�A=173BG�0G�3AB/0:7A67<5�B67A�AGAB3;�/A�/��0@7253�B=�>@=D723�B63

:7<9�03BE33<�>/@3<BA�/<2�167:2@3<��7<�=@23@�B=�23/:�E7B6�@313<B�16/<53A�7<

B63�3<D7@=<;3<B�E63@3�3:23@:G�>3=>:3�/@3�7<1@3/A7<5:G�:7D7<5�/>/@B�4@=;�@3:/B7D3A�E7B6�B63�4C@B63@�/57<5�=4�A=173BG�/<2

43E3@�167:2@3<

#)���7=7�"743�:/C<1632�B63�AGAB3;�7<��313;03@��� ���/<2�#)��&@7;/@G�"743�/:A=�6/A�7;>:3;3<B32�/�A7;7:/@�A3@D713�4=@

>=:71G6=:23@A�-3�/@3�;/97<5�3F>/<A7=<A�/<2�7;>@=D3;3<BA�4=@�7<AC@/<13�1:/7;�>/G;3<B�7<�B63�4CBC@3�0G�3F>/<27<5

AC>>=@B�A3@D713A�4=@�B63�>=:71G6=:23@AI�4/;7:G�;3;03@A�/<2�@3:/B7D3A

��;;>>@@==DD33��BB6633��))33@@DD771133AA����77;;3322��//BB��##3333BB77<<55��BB6633��))>>331177447711��$$333322AA��==44����::2233@@::GG����CCAABB==;;33@@AA

#)��&@7;/@G�"743�1/@@73A�/�@716�:7<3C>�=4�>@=2C1BA��7<1:C27<5�/AA3B0C7:27<5�>@=2C1BA�B6/B�1=;>:3;3<BA�>C0:71�>3<A7=<

B6@=C56�B63�1CAB=;3@�A�=E<�344=@BA��/<2�>@=2C1BA�B6/B�1/<�03�CA32�/A�7<63@7B/<13�;3/AC@3A�B=�3<AC@3�B6/B�/AA3BA�/@3

>/AA32�=<�/>>@=>@7/B3:G�B=�B63�<3FB�53<3@/B7=<�#)��&@7;/@G�"743�6/A�;/<G�>=:7173A�=CBAB/<27<5�B=�A3<7=@�17B7H3<A

�4B3@�57D7<5�1=<A723@/B7=<�B=�7;>@=D3�A3@D713A�B=�B63�3:23@:G�/<2�B/7:=@�B63;�A>317471/::G�B=�B637@�<332A��E3�;/23�D/@7=CA

344=@BA��=@�3F/;>:3��E3�7<B@=2C132�B=�1CAB=;3@A�J�/;7:G�(357AB@/B7=<�)3@D713K�AB/@B32�7<� /<C/@G��� ���B�/::=EA�4/;7:G

;3;03@A�=4�/�>=:71G6=:23@�B=�7<?C7@3�/0=CB�/<2�=0B/7<�B63�23B/7:A�=4�/<�7<AC@/<13�1=<B@/1B��<�47A1/:��� ���E3�E7::�;/93

>@=5@3AA�7<�J(37<4=@17<5�)3@D713A�4=@�B63��:23@:GK�/A�/�>@7=@7BG�7AAC3�4=@�3<6/<17<5�B63�?C/:7BG�=4�B63�E6=:3�1=;>/<G

��==::7722//GG����==;;33��,,77AA77BB��))33@@DD771133

#)��035/<�J�=:72/G��=;3�,7A7B�)3@D713K�4=@�3:23@:G�1CAB=;3@A�/<2�1CAB=;3@A�E7B6�27A/07:7B73A�7<��C5CAB��� ��*63

A3@D713�7A�4=@�B6=A3�E6=�6/D3�033<�7<D=:D32�7<�/<�/CB=;=07:3�/11723<B��@3>=@B32�B63�/11723<B�B=�B63�6=:72/G�/11723<B

@3>=@B�13<B3@�/<2�6/D3�274471C:B73A�7<�1=;;C<71/B7<5�B63�23B/7:A�=4�B63�/11723<B�=D3@�B63�>6=<3��3271/B32�AB/44�D7A7B�B63

1CAB=;3@AI�6=;3�3D3<�2C@7<5�6=:72/GA�/<2�1=<47@;�B63�23B/7:A�/<2�AB/BCA�=4�B63�/11723<B�7<�>3@A=<�E67:3�3F>:/7<7<5�B63

C>1=;7<5�>@=13AA3A�=4�B63�/11723<B�@3A>=<A3�-3�6/D3�033<�>@=D727<5�J�=:72/G��=;3�,7A7B�)3@D713K�B=�B6=A3�E6=�/@3

6=A>7B/:7H32��/<2�E3�2317232�B=�:/C<16�B63�A3@D713�4=@�B63�3:23@:G�/<2�>3@A=<A�E7B6�27A/07:7B73A�/A�E3::�-3�272�A=�0G�B/97<5

7<B=�/11=C<B�B63�16/<57<5�A=173B/:�3<D7@=<;3<B�/<2�27D3@A74732�1CAB=;3@�<332A�7<1:C27<5�B63�>@=5@3AA�=4�B63�/532�A=173BG

/<2�3:7;7</B7=<�=4�27A1@7;7</B7=<�/5/7<AB�>3=>:3�E7B6�27A/07:7B73A�#)��E7::�1=<B7<C3�;/97<5�344=@BA�4=@�7;>@=D7<5�B63�?C/:7BG

=4�/11723<B�@3A>=<A3

��22==>>BB77==<<��==44��))&&����==2233AA

#)��6/A�/2=>B32�)&�1=23A��E6716�E3@3�23D3:=>32�4=@�=:23@�>3=>:3�=@�B6=A3�E7B6

D7AC/:�7;>/7@;3<B��=<�B63�>/;>6:3BA�4=@�7BA��!��CB=;=07:3��<AC@/<13���!��7@3

�<AC@/<13�/<2��!�&3@A=</:��11723<B��<AC@/<13�>@=2C1BA�-63<�B63�1=23A�/@3�@3/2

E7B6�/�A>317/:�@3/27<5�C<7B��B63�@31=@232�7<4=@;/B7=<�7A�@3>@=2C132�0G�D=713

)&��=23A�� />/<3A3�=<:G�

�-30A7B3�=4�!=A/72=�&C0:7A67<5��=��:B2�

ここ

Enhancing the Quality of Products and Services > Upgrading Customers’ Ease of Understanding and Convenience

151

&&@@77<<BB3322��##//BB33@@77//::��77<<��++AA77<<55����==::==@@��++<<77DD33@@AA//::����33AA7755<<

*63�#)�����<AC@/<13��@=C>�6/A�0@=16C@3A�7<1=@>=@/B7<5�B63�1=<13>B�=4�+<7D3@A/:��3A75<�7<�/�072�B=�>@=D723�7<4=@;/B7=<

7<�/<�3/AGB=A33�/<2�/>>@=>@7/B3�;/<<3@�B=�;/<G�>3=>:3

##))��L�%0B/7<32�/�13@B7471/B7=<�0G��=:=@�+<7D3@A/:��3A75<�%@5/<7H/B7=<��/<�$&%�3<B7BGL�)3:31B32�1=:=@A�/<2�23A75<A�4@=;�CA3@AI�>3@A>31B7D3A���@=16C@3A�4=@��!�A3@73A�

������L��2=>B32�1=:=@A�/<2�23A75<A�B6/B�B/93�7<B=�1=<A723@/B7=<�27443@3<13A�7<�1=:=@�D7A7=<�2C3�B=�27A/07:7BG�/57<5��/<2�=B63@�4/1B=@A���@=16C@3A�4=@�*=C56�A3@73A�

##))������77==77��""774433 L�+A32�4=<BA�B6/B�/@3�3/AG�B=�@3/2�4=@�B63�3:23@:G��#7<</<=;=87���"743�7<AC@/<13�231:/@/B7=<�4=@;�

##))����&&@@77;;//@@GG��""774433

L�+A32�/�23A75<�1=;07<7<5�27443@3<B�A6/>3A��>/BB3@<A�27AB7<5C7A632�0G�:7<3�/<2�1=:=@A�/<2�=B63@43/BC@3A�B=�:==9�<3/B3@�/<2�;=@3�:3570:3�B=�CA3@A��&/@B�=4�>3<A7=<�>/G;3<B�7<D=713�/<2�:3253@A633BA�4=@�7<AC@/<13�>@=B31B7=<�>@=132C@3A�L�%0B/7<32�J�/AGB=C<23@AB/<2�23A75<�13@B7471/B7=<�K�0G�+<7D3@A/:��=;;C<71/B7=<��3A75<�AA=17/B7=<��+������/�53<3@/:�7<1=@>=@/B32�/AA=17/B7=<

��<<BB33@@<<33BB00//AA3322��((==//22AA772233��))33@@DD771133AA��44==@@��&&33==>>::33��EE77BB66����33//@@77<<55����;;>>//77@@;;33<<BBAA

#)��/<2�����=443@�/<��<B3@<3B0/A32�@=/2A723�A3@D713�AGAB3;�4=@�>3=>:3�E7B6�63/@7<5�7;>/7@;3<BA��CAB=;3@A�1/<�CA3�B63

3;/7:�/<2��<B3@<3B�4C<1B7=<A�=4�;=07:3�>6=<3A�/<2�A;/@B>6=<3A��7&6=<3�/<2��<2@=72��/<2�4=::=E�=<A1@33<�5C72/<13�B=

B@/<A;7B�B63�@3?C7@32�7<4=@;/B7=<��@/B63@�B6/<�CA7<5�=@/:�1=;;C<71/B7=<��CAB=;3@A�1/<�/:A=�CA3�B67A�A3@D713�B6@=C56

B637@�A;/@B>6=<3A��7&6=<3���<2@=72�23D713A�

��33DD33::==>>;;33<<BB��==44����<<AACC@@//<<1133��&&@@==22CC11BBAA��//<<22��))33@@DD771133AA��44==@@��BB6633��&&33@@AA==<<AA��EE77BB66��&&66GGAA7711//::����77AA//0077::77BB7733AA

-7B6�7<AC@/<13�>@=2C1BA��#)��A�#/:/GA7/<�:=1/:�AC0A727/@G�7A�>:/G7<5�/<�7;>=@B/<B�@=:3�>@=D727<5�A31C@7BG�/<2�A/43BG�B=

>3=>:3�-3�233;�7B�=C@�A=17/:�;7AA7=<�B=�23:7D3@�7<AC@/<13�>@=2C1BA�B=�6/<271/>>32�>3@A=<A�/A�E3::

�/A32�=<�AC16�B67<97<5��E3�6/D3�=443@32�4=C@�/CB=;=07:3�7<AC@/<13�>@=2C1BA�B=�>3@A=<A�E7B6�27A/07:7B73A�A7<13�%1B=03@

�� �

��<27D72C/:�&3@A=</:��11723<B��&:/<� ���11723<B��<AC@/<13�

���=2G5C/@2�&3@A=</:��11723<B��)7:D3@�&:/<���11723<B��<AC@/<13�

���<27D72C/:��3/:B61/@3��<B3@</B7=</:���F31CB7D3�&:/<���3/:B61/@3��<AC@/<13�

���<AC@/<13�4=@�&@7D/B3��CB=;=07:3���CB=;=07:3��<AC@/<13���=;>@363<A7D3��=D3@�

�=7<5�4=@E/@2��E3�E7::�1=<B7<C3�1=<2C1B7<5�@3A3/@16�/<2�1=::31B7<5�7<4=@;/B7=<�=<�>@=2C1BA�B=�>@=D723�7<AC@/<13�4=@�;=@3

>3=>:3

''CC//::77BBGG����;;>>@@==DD33;;33<<BB��CCAA77<<55����22DD//<<113322��**331166<<==::==55GG

*63�#)�����@=C>��7<�/�072�B=�@3A>=<2�B=�D/@7=CA�1CAB=;3@�<332A�7<�/�A=>67AB71/B32�;/<<3@��7A�3<5/532�7<�D/@7=CA

344=@BA�*63A3�7<1:C23�B63�23D3:=>;3<B�=4�>@=2C1BA�/<2�A3@D713A�CB7:7H7<5�B316<=:=5G�AC16�/A�/2D/<132���*�/<2�;/97<5

7<<=D/B7D3�16/<53A�=<�6=E�B=�A=:717B�7<AC@/<13�:3D3@/57<5�<3E�B316<=:=5G�AC16�/A�/@B74717/:�7<B3::753<13��������75��/B/�/<2

D=713@31=5<7B7=<

�<�/227B7=<��E3�6/D3�7<B35@/B32�AGAB3;�A31C@7BG�/1@=AA�B63��@=C>�4=@�AB/0:3�A3@D713�/<2�>@=B31B7=<�/5/7<AB�1G03@�@7A9�B6/B

7A�7<1@3/A7<5�/:=<5�E7B6�B63�/2D/<13;3<B�=4���*�B316<=:=5G

��:://77;;��77<<DD33AABB7755//BB77==<<��CCAA77<<55��JJ��//1133��CC00KK

#)��E7::�:/C<16�J�/13�C0K��/�D723=�16/B�>:/B4=@;�23D3:=>32�/<2�=>3@/B32�0G��/13&33@��7<�#/@16��� ��B=�1=;;C<71/B3

E7B6�1CAB=;3@A�@35/@27<5�2/;/53�7<D3AB75/B7=<�/<2�1:/7;�>/G;3<B��=;;C<71/B7=<�E7B6�1CAB=;3@A�6/2�033<�;/7<:G�D7/

B3:3>6=<3�/<2�7<�E@7B7<5�+B7:7H7<5�J�/13�C0K��E3�E7::�3</0:3�CA�B=�57D3�;3B71C:=CA�3F>:/</B7=<A�B=�1CAB=;3@A�/<2�/@@/<53

4=@�>@=;>B�>/G;3<B�0G�A6/@7<5�D723=A�/<2�AB7::�7;/53A�E7B6�B63;�7<�@3/:�B7;3�7<�/�A7;>:3�=>3@/B7=<

ここ

Enhancing the Quality of Products and Services > Upgrading Customers’ Ease of Understanding and Convenience

152

''CC//::77BBGG����;;>>@@==DD33;;33<<BB��CCAA77<<55����@@BB7744771177//::����<<BB33::::775533<<1133����������

#)��1=<2C1BA�D/@7=CA�23;=<AB@/B7=<�3F>3@7;3<BA�/<2�1@3/B3A�/<�3<D7@=<;3<B�B6/B�7A�<313AA/@G�B=�7;>@=D3�>@=2C1BA�/<2

A3@D713A�CA7<5�/@B74717/:�7<B3::753<13�������<�/227B7=<��#)��/<2�����6/D3�7;>@=D32�B63�3447173<1G�=4�B63�1=;>/<G7<B3@</:

=>3@/B7=<A�:3D3@/57<5����-3�E7::�;/93�>@=5@3AA�7<�?C/:7BG�7;>@=D3;3<B�CA7<5����/<2�E=@9�=<�23D3:=>7<5�7<<=D/B7D3

>@=2C1BA�/<2�A3@D713A�B=�;33B�D/@7=CA�1CAB=;3@�<332A

""//CC<<1166��==44����33;;==<<AABB@@//BB77==<<����FF>>33@@77;;33<<BBAA��44==@@����22DD//<<113322����<<AACC@@//<<1133��))//::33AA

#)���7<�1==>3@/B7=<�E7B6�+����=@>=@/B7=<��+�����035/<�/�23;=<AB@/B7=<�3F>3@7;3<B�4=@�B63�/2D/<13;3<B�=4�7<AC@/<13�A/:3A

CA7<5����*63�23;=<AB@/B7=<�3F>3@7;3<B�7A�B=�7;>@=D3�B63�A/:3A�1/>/07:7BG�/<2�3<AC@3�/11=C<B/07:7BG�=4�7<AC@3@A�0G

/</:GH7<5�A/:3A�;3B6=2A�=4�/<�7<AC@/<13�A/:3A�>3@A=<�/<2�/�1CAB=;3@AI�4/17/:�3F>@3AA7=<A�E7B6���

�<�B63�3F>3@7;3<B��/�6756>3@4=@;/<13�����235@33�1/;3@/�23D3:=>32�0G�+���@31=@2A�B63�7<AC@/<13�A=:717B/B7=<�>@=13AA�

/<2���IA�233>�:3/@<7<5�B316<=:=5G�/</:GH3A�A/:3A�;3B6=2A�=4�B63�7<AC@/<13�A=:717B=@�/<2�B63�1CAB=;3@AI�4/17/:

3F>@3AA7=<A�,7AC/:7H7<5�7;>:717B:G�9<=E<�AC113AA4C:�>/BB3@<A�/<2�A6/@7<5�B63;�E7::�1=<B@70CB3�B=�7<1@3/A7<5�B63�A/:3A�=4

7<AC@/<13�>@=2C1BA�/<2�7;>@=D7<5�1CAB=;3@�A/B7A4/1B7=<�-3�E7::�=0B/7<�B63�1=<A3<B�=4�1CAB=;3@A�7<�/2D/<13�4=@�@31=@27<5

A13<3A�4=@�B63�/</:GA7A

-3�E7::�/</:GH3�B63�D723=A�1=::31B32�B6@=C56�B63�23;=<AB@/B7=<�3F>3@7;3<B�/<2�27A1CAA�0C7:27<5�/�<3E�A/:3A�AC>>=@B

AGAB3;�B6/B�3</0:3A�7<AC@/<13�A=:717B=@A�B=�4C:47::�B637@�2CBG�=4�/11=C<B/07:7BG�B=�1CAB=;3@A��<AC@3@A�/@3�@3?C7@32�B=�4C:47::

2CB73A�4=@�>@=D7A7=<�=4�7<4=@;/B7=<�/<2�C<23@AB/<27<5�1CAB=;3@AI�7<B3<B�/4B3@�B63�@3D7A32�7<AC@/<13�0CA7<3AA�:/E�B==9

34431B�*63@34=@3��E3�3<23/D=@�B=�/2D/<13�7<AC@/<13�A/:3A�CA7<5����/<2�>@=D723�/�67563@�:3D3:�=4�A3@D713A�B=�B63;

��@@33//BB77<<55��//<<��%%>>BB77;;//::����<<DD77@@==<<;;33<<BB��44==@@��������""33//@@<<77<<55

#)��/<2�)/9C@/��<B3@<3B��<1��)/9C@/��<B3@<3B��/@3�8=7<B:G�1@3/B7<5�/<�=>B7;/:�1:=C2�3<D7@=<;3<B�4=@�233>�:3/@<7<5�=4����

CA7<5�B63�6756>3@4=@;/<13�1=;>CB7<5�4=C<2/B7=<�A>317/:7H32�7<�1/:1C:/B7=<�B6/B�7A�>@=D7232�0G�)/9C@/��<B3@<3B��

1=;>CB3@�3<D7@=<;3<B�1/>/0:3�=4�;/97<5�6756A>332�1/:1C:/B7=<A�7A�<313AA/@G�4=@���IA�233>�:3/@<7<5��=::/0=@/B7=<

03BE33<�#)���E6716�6/A�D/@7=CA�BG>3A�=4�075�2/B/�1=<13@<7<5�<=<:743�7<AC@/<13��/<2�)/9C@/��<B3@<3B��>=AA3AA7<5

3F>3@B7A3�7<�6756>3@4=@;/<13�1/:1C:/B7=<�AGAB3;A��3</0:32�B63�1@3/B7=<�=4�=<3�=4�B63�03AB����23D3:=>;3<B�3<D7@=<;3<BA

7<� />/<�#)��E7::�1=<B7<C3�>@=/1B7D3:G�23D3:=>7<5�>@=2C1BA�/<2�A3@D713A�B6/B�;33B�27D3@A74G7<5�1CAB=;3@�<332A�B6@=C56���

23D3:=>;3<B�CB7:7H7<5�B63�#)�IA�075�2/B/

��;;>>@@==DD77<<55����444477117733<<11GG��==44����<<BB33@@<<//::��%%>>33@@//BB77==<<AA��44==@@����<<??CC77@@7733AA

#)��/<2�����6/D3�AB/@B32�E=@97<5�=<�7;>@=D7<5�B63�3447173<1G�=4�B63�1=;>/<GIA�7<B3@</:�=>3@/B7=<A�B=�@3A>=<2�B=

7<?C7@73A��B�E7::�2=�A=�0G�CB7:7H7<5���#�-/BA=<��� ��B316<=:=5G�3?C7>>32�E7B6�/<�/07:7BG�B=�C<23@AB/<2�/<2�:3/@<�:/<5C/53A

��#�-/BA=<�7A�CB7:7H32�7<�B63�/<AE3@�:=571�=4�B63�1=;>/<GIA�7<B3@</:�=>3@/B7=<A�4=@�@3A>=<27<5�B=�7<?C7@73A��/<2�@3>3B7B7D3

?C3AB7=<�/<2�/<AE3@�>@=13AA3A�E7::�233>3<�:3/@<7<5�/<2�7;>@=D3�B63�/11C@/1G�=4�/<AE3@A�-3�E7::�3<6/<13�B63�7<?C7@G

@3A>=<A3�>@=2C1B7D7BG�B6@=C56�B67A�344=@B

�� ����#�-/BA=<�7A�/�1=5<7B7D3�AGAB3;������B=�23@7D3�/11C@/B3�/<AE3@A�0/A32�=<�?C3AB7=<A�/<2�27/:=5C3A�7<�/�B7;3:G

;/<<3@��B�1/<�7;>@=D3�B63�/11C@/1G�=4�/<AE3@A�B6@=C56�3F>3@73<13

�������1=5<7B7D3�AGAB3;�7A�/�<3E�1=;>CB3@�AGAB3;�B6/B�</BC@/::G�7<B3@/1BA�E7B6�>3=>:3�0G�C<23@AB/<27<5�6C53�/;=C<BA�=4

2/B/��:3/@<7<5�3FB3<A7D3:G�/<2�;/97<5�/<�7<43@3<13�4=@�/�>C@>=A3

ここ

Enhancing the Quality of Products and Services > Upgrading Customers’ Ease of Understanding and Convenience

153

(3137D32�B6@33�AB/@A�B63�67563AB�@/B7<5

*3:3>6=<3�AC>>=@B�1=<B3AB

''CC//::77BBGG����;;>>@@==DD33;;33<<BB��==44��BB6633����==<<BB//11BB����33<<BB33@@AA

*63��=<B/1B��3<B3@A�=4��=;3AB71��@=C>�7<AC@/<13�1=;>/<73A��>3@A=<<3:�>:/G�/�D7B/:�@=:3�/A�B63��4/13��=4�B637@�1=;>/<G

�:A=��B63�7<B35@/B7=<�=4��@=C>�1=;>/<73AI�B3:3>6=<3�AGAB3;�7<4@/AB@C1BC@3�6/A�@3AC:B32�7<�5@=C>�AG<3@573A�AC16�/A�B63

@32C1B7=<�=4�AGAB3;�;/7<B3</<13�1=ABA

''CC//::77BBGG����;;>>@@==DD33;;33<<BB��77<<��BB6633����@@==CC>>

J#)�����@=C>��=<B/1B��3<B3@������'C/:7BG�)B/<2/@2AK��3D/:C/B7=<

AB/<2/@2A�4=@���IA�=>3@/B7=<A�/<2�?C/:7BG�B6/B�7A�1=;;=<�B=�B63�E6=:3

�@=C>��6/D3�033<�23D3:=>32��/16��@=C>�1=;>/<G�16319A�7BA���IA

=>3@/B7=<A�/5/7<AB�B63�AB/<2/@2A��/<2�1/@@73A�=CB�B63�<313AA/@G

7;>@=D3;3<B�;3/AC@3A��G�A6/@7<5�B63�AB/BCA�=4�3/16��@=C>�1=;>/<73AI

344=@BA�/<2�03AB�>@/1B713A�E7B67<�B63�E6=:3��@=C>��E3�/@3�7;>@=D7<5�B63

?C/:7BG�=4�B63�E6=:3��@=C>��=<13@<7<5�3D/:C/B7=<�0G�/<�3FB3@</:

=@5/<7H/B7=<��/B��.�� �������3<16;/@9�=@5/<7H32�0G���� �&�$��B63

E=@:2�:/@53AB�=@5/<7H/B7=<�7<�B63�AC>>=@B�A3@D713�7<2CAB@G��#)���#7BAC7

�7@31B��3<3@/:�/<2�#)���7=7�"743�@3137D32�B6@33�AB/@A��B63�03AB�@/B7<5�4=@�B63�4=::=E7<5�@/B7<5A��J�=<B/1B�&=7<BK�/<2

J)C>>=@B�&=@B/:K�@/B7<5A��/<2�#)���7=7�"743�E=<�/�B6@33AB/@��B63�03AB�@/B7<5�4=@�J#=<7B=@7<5K�@/B7<5��<�/227B7=<�B=�E7<<7<5

B6@33�AB/@A�4=@�B63�J#=<7B=@7<5K�@/B7<5������@3137D32�J/�47D3AB/@�13@B7471/B7=<K�E6716�;3/<A�B6/B�J7BA�;/</53;3<B�=4

1=;;3@17/::G�D/:C3/2232�AC>>=@B�13<B3@A�/<2�:3/23@A67>�7<�;/</53;3<B�=4�1=;>/<73A�/<2�13<B3@A�;33B�13@B/7<

AB/<2/@2A�1=;>/@7<5�E7B6�7<B3@</B7=</::G�@31=5<7H32�03AB�>@/1B713AK

��==<<BB//11BB����33<<BB33@@��))BB@@//BB3355GG��##3333BB77<<55

J)B@/B35G�;33B7<5AK�0G�63/2A�=4�B63��=<B/1B��3<B3@�=4�3/16��@=C>�1=;>/<G�/<2�&*��B63;3��13<B3@�=>3@/B7=<��32C1/B7=<

/<2�B@/7<7<5��0G�>3@A=<A�7<�16/@53�/@3�63:2�>3@7=271/::G�*63�>C@>=A3�7A�B=�7;>@=D3�B63�?C/:7BG�=4�B63�E6=:3��@=C>IA

1=<B/1B�13<B3@A��@37<4=@13�=>3@/B7=<A��/<2�7;>@=D3�=>3@/B7=</:�3447173<1G�/<2�6C;/<�@3A=C@13A�23D3:=>;3<B�E67:3�A6/@7<5

7<4=@;/B7=<

&&33@@AA==<<<<33::����FF1166//<<5533

�=@�7<4=@;/B7=<�A6/@7<5��3F16/<53��/;=<5�B63�1=<B/1B�13<B3@A�7<�B63��@=C>�/<2�B@/7<7<5�3/16�=B63@��B63�AB/44�=4�1=<B/1B

13<B3@A�/1B7D3:G�7<B3@/1B�E7B6�3/16�=B63@�B6@=C56�JB63��@=C>��=<B/1B��3<B3@������ =7<B�*@/7<7<5K�/<2�J���,7A7BK

**33::33>>66==<<33��))CC>>>>==@@BB����==<<BB33AABB

�7;7<5�B=�7;>@=D3�B63�1CAB=;3@�A3@D713�?C/:7BG�/<2�;CBC/:�B@/7<7<5�=4

1CAB=;3@�A3@D713�@3>@3A3<B/B7D3A��B63��@=C>�6=:2A�B63�J#)�����@=C>

�=<B/1B��3<B3@�*3:3>6=<3�)C>>=@B��=<B3ABK�3D3@G�G3/@�*63�1=<B3AB

>@=D723A�/<�=>>=@BC<7BG�4=@�3F16/<53�/;=<5�1=<B/1B�13<B3@A��/<2�1@3/B3A

/�1:7;/B3�=4�4@73<2:G�@7D/:@G�1=<2C17D3�B=�:3/@<7<5�<3E�B67<5A�/0=D3�/<2

03G=<2�B63�4@/;3E=@9�=4�3/16�1=<B/1B�13<B3@IA�=>3@/B7<5�ABG:3��<�47A1/:

�� ���4@=;�/@=C<2�������AB/44�;3;03@A�/B�1=<B/1B�13<B3@A�� ��E3@3

16=A3<�B=�>/@B717>/B3�7<�B63�1=<B3AB�/<2�1=;>3B32�B=�A6=E�=44�B637@

B3:3>6=<3�AC>>=@B�A97::A

ここ

Enhancing the Quality of Products and Services > Upgrading Customers’ Ease of Understanding and Convenience

154

)52�"(�����;@B?.;02��?<B=�6@�A.86;4�C.?6<B@�@A2=@�D6A5�5645�92C29@�<3�.00B?.0F��@=221��.;1�6;A24?6AF�6;�<?12?�A<�=?<C612

0B@A<:2?@�D6A5�?296./92�09.6:�@2?C602@

''229966..//9922��''22002266==AA��((FF@@AA22::��33<<??����0000661122;;AA��''22==<<??AA��..;;11��%%??<<CC66@@66<<;;��<<33��AA5522����<<BB??@@22��<<33����0000661122;;AA��''22@@==<<;;@@22

)52��?<B=H@�1<:2@A60�;<;9632�6;@B?.;02�0<:=.;62@�5.C2�2@A./96@521�I.00612;A�?202=A6<;�02;A2?@J�A5.A�.?2�<=2;�3<?

?2026C6;4�6;3<?:.A6<;�<;�.00612;A@�6;��.=.;����5<B?@�.�1.F������1.F@�.�F2.?�$;�D2281.F�;645A@�.;1�5<961.F@��A52�02;A2?@

D699�=?<C612�C.?6<B@�86;1@�<3�6;6A6.9�@B==<?A��@B05�.@�0<;A.0A6;4�A52�<A52?�=.?A62@�6;�.BA<:</692�.00612;A@�<;�/25.93�<3

0B@A<:2?@��.;1�6;�0.@2@�D52;�0B@A<:2?@�5.C2�/22;�6;7B?21�.;1�5<@=6A.96G21��A52�02;A2?@�<332?�@B05�@=206.9�@2?C602@�.@

C6@6A@�A<�A52�5<@=6A.9�/F�@=206.96G21�@A.33�"<?2<C2?��A52�=<@A.00612;A�?2@=<;@2�:2.@B?2@�6;09B12�@A.33�:2:/2?@

A292=5<;6;4�0B@A<:2?@�A<�=?<C612�12A.6921�2E=9.;.A6<;@�<3�A52�=?<4?2@@�<3�09.6:@�.17B@A:2;A�@6AB.A6<;@��.6:6;4�A<�=BA

A52:@29C2@�6;�0B@A<:2?@H�@5<2@��.992C6.A2�A526?�D<??62@��.;1�?2@=<;1�A<�D5.A2C2?�>B2@A6<;@�A52F�:.F�5.C2

"(��?2026C2@�6;3<?:.A6<;�<;�.00612;A@�<;�A52�6;A2?;2A�A5?<B45�A52�"(�H@�D2/@6A2�<?�<D;��(B:.�<��@:.?A=5<;2

.==960.A6<;��;�<?12?�A<�2;@B?2�A52�.00612;A�?2@=<;@2�?296./92�A<�<B?�0B@A<:2?@��"(��6;@A.9921�.��<;2.00612;A��<;2A2.:�

@F@A2:�3<?�?26;3<?02:2;A�<3�0<<?16;.A6<;�D52;�AD<�<?�:<?2�=2?@<;;29�.?2�.@@64;21�A<�.�@6;492�0.@2��;�A56@�.;1�<A52?

D.F@��A52�D<?8�=?<02@@2@�0<;@A?B0A21�6;�?2@=<;@2�A<�0B@A<:2?�C62D@�.?2�6;�<=2?.A6<;�.A�(2?C602��2;A2?@�;.A6<;D612����

6@�D<?86;4�A<�1296C2?�>B608��0<;@612?.A2�.;1�?296./92�.00612;A�?2@=<;@2�@2?C602@�B;12?�IA52��B99�(B==<?A��209.?.A6<;J��;

.116A6<;��D2�9.B;0521�I������00612;A�'2@=<;@2�(2?C602J�6;��-�� ��.;1�.?2�=?<C616;4�A52�@.:2�92C29�<3�.00612;A

?2@=<;@2�@2?C602@�.@�A5<@2�=?<C6121�1B?6;4�;<?:.9�/B@6;2@@�5<B?@�2C2;�1B?6;4�;645A�A6:2�.;1�5<961.F@�,2�.?2�1<6;4�A56@

6;�.�/61�A<�=?<C612�.;�.00612;A�?2@=<;@2�A5.A�:22A@�A52�;221@�<3�6;16C61B.9�0B@A<:2?@�,2�A.82�6;�.00612;A�?2=<?A@

A5?<B45�<B?�D2/@6A2�.;1�D2/@6A2�3<?�32.AB?2�=5<;2@�.@�D299�.@�;<?:.9�A292=5<;2@��;�.116A6<;�A<�.00612;A�?2=<?A�:2;B@�<;

<B?�D2/@6A2�.;1�D2/@6A2�3<?�32.AB?2�=5<;2@��.�3.E�;B:/2?�12160.A21�3<?�=2<=92�D6A5�.�52.?6;4�<?�@=2205�6:=.6?:2;A�6@

.C.69./92�A<�A.82�.00612;A�?2=<?A@�,2�5.C2�0?2.A21�.�/.??62?3?22�2;C6?<;:2;A�3<?�.00612;A�?2=<?A@

"6A@B6��6?20A��2;2?.9�=?<C612@��"F�5<:2�=.42��<;�A52��;A2?;2A�3<?�0<;A?.0A21�0B@A<:2?@��A�2;./92@�0B@A<:2?@�A<�:.82

05.;42�6;��=2?@<;.9�1.A.����C256092�?2=9.02:2;A��.;1��6;@B?.;02�0<C2?.42���.;1�A<�.002@@�6;3<?:.A6<;�?24.?16;4

?2@=<;@2�A<�.00612;A����5<B?@�.�1.F������1.F@�.�F2.?

��::==??<<CC66;;44����BB@@AA<<::22??HH@@��((..AA66@@33..00AA66<<;;��//FF��''22@@==<<;;1166;;44��AA<<����;;00661122;;AA@@

�6:6;4�A<�?2.96G2�;<;9632�6;@B?.;02�@2?C602@�D5605�@.A6@3F�0B@A<:2?@��A52�"(�����;@B?.;02��?<B=�6@�A.86;4�C.?6<B@�@A2=@

A<�6:=?<C2�A52�D<?8�>B.96AF�<3�09.6:�@2?C602�@A.33

"(��6@�2;4.421�6;�A52���2@A��0A6<;��.:=.64;��A<�12.9�D6A5�0B@A<:2?@�.==?<=?6.A29F�.;1�>B6089F�D6A5�5645�>B.96AF�.;1

2E=2?A6@2

�;16C61B.9�2:=9<F22@�.?2�2;4.421�6;�.0A6C6A62@�/.@21�<;�A5?22�=699.?@��B;=.?.992921�@=221��5645�92C29�<3�@8699@�.@�=?<32@@6<;.9�

.;1�5<@=6A.96AF��0B@A<:2?�@B==<?A�D6A5�2:=.A5F��)52�.6:�6@�A<�2E0221�0B@A<:2?@��2E=20A.A6<;@�.;1�=?<C612�@[email protected]<?F

@2?C602@

�����B;12?�IA52��B99�(B==<?A��209.?.A6<;�J�.6:@�A<�/2�.�?296./92�=.?A;2?�/F�1296C2?6;4�>B608��0<;@612?.A2�.;1�?296./92

.00612;A�?2@=<;@2�@2?C602@�,2�:.82�<B?�/2@A�233<?A@�A<�2;@B?2�0B@A<:2?@�3229�I�H:�5.==F�A5.A�F<B�.?2�A52�=2?@<;�6;

05.?42�J�.;1�/2�.�0B@A<:2?=?232??21�6;@B?2?

ここ

Enhancing the Quality of Products and Services > Payment of Insurance Claim Service Preferable to Customers

155

��(02;2�3?<:� ;<D�<D�%?2@2;A.A6<;

%.?A606=.;A@�6;��2.?A3B9�(B==<?A��<;A2@A

&&BB..9966AAFF����::==??<<CC22::22;;AA����..::==..6644;;

"(��0.??62@�<BA�=?.0A60.9�A?.6;6;4�@B05�.@�?<92=9.F6;4�<;�A292=5<;2

?2@=<;@2�.;1�1.69F�4B61.;02�/F�.�A?.6;2?�D6A5�@=206.96G21�@8699@��.;1�5<91@

=?2@2;A.A6<;@�<3�.00612;A@�0.@2@�)5?<B45�A5<@2�233<?A@��"(��6:=?<C2@

2:=9<F22@H�@8699@�A<�2;@B?2�5645�92C29�.;1�B;63<?:�@2?C602�;.A6<;D612��;

.116A6<;��D2�BA696G2�A52�<=6;6<;@�<332?21�6;�A52�>B2@A6<;;.6?2�=<@A0.?1@

@2;A�A<�0B@A<:2?@�D52;�=.F6;4�6;@B?.;02�:<;2F�A<�3B?A52?�6:=?<C2

>B.96AF

�<?�2912?9F�=2<=92�D5<�;221�@B==<?A�.;1�A5<@2�D6A5�16@./696A62@��D2

0<;A6;B2�B;A69�A52F�0.;�B;12?@A.;1�A52�0<;A2;A@�<3�A52�6;@B?.;02

=?<1B0A@�.;1�A52�39<D�<3�?2@=<;@2�A<�.00612;A@

�;�.116A6<;��D2�6;A?<1B02�.�:205.;6@:�A5.A�.99<D@�0B@A<:2?@�A<�@2;1

=60AB?2@�<3�1.:.42@�.;1�C612<@�.A�A52�A6:2�<3�A52�.00612;A�/F�@:.?A=5<;2

.==960.A6<;��(B:.�<��.;1�<33606.9�D2/@6A2�6;�A52�2C2;A�<3�6;@B?.;02

09.6:@

�F=.@@6;4�A52�6;A2?.0A6<;@�<3�@2;16;4�1<0B:2;A@�2;./92@�B@�A<�=.F�A52

6;@B?.;02�:<;2F�:<?2�>B6089F

����6@�D<?86;4�A<�6:=?<C2�0B@A<:2?�@2?C602�@8699@�A5?<B45�0.??F6;4�<BA

?24B9.?�A?.6;6;4@�.;1�0<;1B0A6;4�#.A6<;D612��2.?A3B9�(B==<?A��<;A2@A�2A0

,2�5.C2�02?A63621�A52�D6;;2?@�<3�A52�#.A6<;D612��2.?A3B9�(B==<?A��<;A2@A

.@�"26@A2?@��@�.�:6@@6<;.?F�<3�A52�0.995.;196;4�@8699@��A52F�.?2�D<?86;4

<;�@A?2;4A52;6;4�A52�0B@A<:2?�@2?C602�>B.96AF�<3�A52�D5<92�12=.?A:2;A

"<?2<C2?������9.B;0521�!�%(��!.1F��:=?<C2:2;A�%?<720A@��"2:/2?@�<3�!�%(�0<;36?:��6:=?<C2�.;1�?2C62D�A52�=?<4?2@@�<3

A526?�.==?<.052@�.A�2.05�D<?8=9.02�D5692�=?2@2;A6;4�.;1�@5.?6;4�?2@B9A@�<3�C.?6<B@�.0A6C6A62@�.A�A52�.;;B.9�;.A6<;.9

:22A6;4�.;1�2;5.;06;4�=2?3<?:.;02�.;1�>B.96AF�<3�A52�2;A6?2�09.6:�@2?C602�12=.?A:2;A

,,<<??88��<<33����99..66::@@����1177BB@@AA22??@@

�9.6:@�.17B@A2?@�<3�6;@B?.;02�0<:=.;62@�6;[email protected]�1.:.42@�<3�.�0.?�.00612;A�D52;�@B05�.00612;A�<00B?@��@B05�.@�A52

0<;36?:.A6<;�<3�1.:.42@�<3�.�C256092�.;1�A52�36;.96G.A6<;�<3�?2=.6?�0<@A

�;�.116A6<;�A<�122=2;6;4�A52�0<<=2?.A6<;�/2AD22;�09.6:@�.17B@A2?@�.;1�0.@2�:.;.42?@��"(��5.@�2@A./96@521�09.6:@�@AB1F

A2.:@�.A�� �9<0.A6<;@�.0?<@@��.=.;�A<�3B?A52?�=?<:<A2�A52�.==?<=?6.A2�02?A6360.A6<;�<3�?2=.6?�0<@A@�"<?2<C2?��D2�.?2

.9D.F@�=2?3<?:6;4�>B6082?�.;1�:<?2�.==?<=?6.A2�5.;196;4�<3�.00612;A@�3?<:�A52�=2?@=20A6C2�<3�0B@A<:2?@��3<?�2E.:=92�

D52;�C256092@�.;1�/B6916;4@�.?2�1.:.421�.A�A52�@.:2�A6:2�/F�D612.?2.�D.A2?�16@.@A2?@��D2�6;[email protected]�A526?�1.:.42@

A<42A52?

�A������6A@�.33696.A2���6<6�#6@@.F��<D.��9.6:@��17B@A6;4��<:=.;F��!6:6A21�5<91@�.�;.A6<;.9�09.6:@�.17B@A2?�@8699�0<;A2@A�.;1

.�;.A6<;.9�4<<1�=?.0A602�=?2@2;A.A6<;��D52?2�.17B@A2?@�@5<D�?2@B9A@�<3�1.69F�@2936:=?<C2:2;A�.;1�4<<1�=?.0A602@�.;1

@5.?2�A52:�;.A6<;D612�A<�3B?A52?�6:=?<C2�A52�@8699@�.;1�0.=./696A62@�<3�1.:.42�6;[email protected]<;@

ここ

Enhancing the Quality of Products and Services > Payment of Insurance Claim Service Preferable to Customers

156

�B@6;2@@�&B.96AF��:=?<C2:2;A�)2.:

&&BB..9966AAFF����::==??<<CC22::22;;AA��//FF��''22CC6622DD@@��<<;;��AA5522����;;@@BB??..;;0022����99..66::@@��%%..FF::22;;AA��%%??<<0022@@@@22@@

"6A@B6�(B:6A<:<��;@B?.;02�*;12?D?6A6;4�.A�!9<F1�@����!6:6A21��"(�*!���D5605�6@�"(��:96;�@�@B/@616.?F��5.@�2@A./96@521�.;

6;A2?;.9�D<?86;4�4?<B=�D6A5�A52�.6:�<3�/B6916;4�.;�6;@B?.;02�09.6:@�=.F:2;A�@F@A2:�A5.A�0B@A<:2?@�0.;�?29F�<;��;

.116A6<;�A<�0<;1B0A6;4�.;.9F@6@�.;1�?2C62D@�<;�A52�6;@B?.;02�09.6:@�=.F:2;A�=?<02@@2@��6A�5.@�.9@<�6;A?<1B021�6:=<?A.;A

:.;.42:2;A�6;160.A<?@�A<�6:=?<C2�6;@B?.;02�09.6:@�=.F:2;A�@2?C602@�/F�=?<C616;4�6;6A6.9�@B==<?A�A<�.00612;A�?2@=<;@2

.;1�=.F:2;A�<3�6;@B?.;02�09.6:@�)5?<B45�A52@2�233<?A@��D2�5.C2�.0562C21�4?2.A2?�2336062;0F��@=221��.;1�A?.;@=.?2;0F�6;

<B?�6;@B?.;02�09.6:@�=.F:2;A�=?<02@@2@

�;�.116A6<;��D2�.?2�D<?86;4�<;�A?.6;6;4�2:=9<F22@�D6A5�;202@@.?F�2E=2?A6@2�.;1�@8699@�3<?�@B==<?A6;4�A52�5.;196;4�<3�@=206.9

.00612;A@�.;1�6:=?<C6;4�A52�<=2?.A6<;.9�>B.96AF�<3�.33696.A21�0<:=.;62@�A5.A�=?<C612�.00612;A�@B==<?A�@2?C602@�6;�.�/61�A<

1296C2?�.00B?.A2��>B608��@A./92�.;1�5645>B.96AF�@2?C602@�$B?�09.6:�=.F:2;A�12=.?A:2;A�.;1�?6@8�2;46;22?6;4�12=.?A:2;A

0<<=2?.A2�A<�6@@B2�.�=2?6<160�?2=<?A�A6A921�I!<@@��;0612;AJ��;�6A��A52�0.B@2@�<3�3?2>B2;A9F�<00B??6;4�.00612;A@�.;1�@=206.9

.00612;A@�.?2�.;.9FG21�.;1�0<B;A2?:2.@B?2@�.?2�16@0B@@21�)56@�?2=<?A�0<;A?6/BA2@�A<�6:=?<C6;4�?6@8�:.;.42:2;A�.;1

.00612;A�=?2C2;A6<;�.:<;4�0B@A<:2?@

����!9<F1�@�6@�.;�6;A2?;.A6<;.9�6;@B?.;02�A?.16;4�:.?82A�9<0.A21�6;�!<;1<;��* �"(��D.@�A52�36?@A��.=.;2@2�6;@B?.;02

0<:=.;F�A<�2;A2?�A52�!9<F1�@�:.?82A�6;�������D52;�6A�0<::2;021�B;12?D?6A6;4�D<?8

��::==??<<CC22����BB@@AA<<::22??��((..AA66@@33..00AA66<<;;��66;;����0000661122;;AA��''22@@==<<;;@@22������BB@@AA??..9966..��

�6<6�#6@@.F��<D.��;@B?.;02��<:=.;F��B@A?.96.�%AF����������D5605�6@�A52

@B/@616.?F�<3������)<F<A.��6;.;02��B@A?.96.�!A1��.;1�)<F<A.�"<A<?

�<?=<?.A6<;��B@A?.96.�!A1�C2?63F�0B@A<:2?�@[email protected]<;�@B?C2F�?2@B9A@

1<;2�/F�.�A56?1�=.?AF�0<:=.;F�A5.A�.?2�0<;1B0A21�2C2?F�>B.?A2?�<3�.�F2.?

.A�A52���B@A?.96.�)<F<A.��<::6AA22���.@21�<;�A52@2�?2@B9A@��A52������

0?2.A21�.�/B@6;2@@�>B.96AF�6:=?<C2:2;A�A2.:�6;�A52�0<:=.;F��.;1�6@

=B@56;4�.52.1�D6A5�@<9BA6<;�=9.;@��D5605�612;A6362@�A52�=?</92:.A60�=<6;A@

<;�A52�/.@6@�<3�3221/.08�3?<:�0B@A<:2?@�)<�/2�:<?2�@=206360��A52������

5.@�0<;1B0A21�.0A6C6A62@�.9D.F@�3?<:�.�C62D=<6;A�<3�0B@A<:2?@�6;�.;�233<?A

A<�6:=?<C2�/B@6;2@@�>B.96AF�.;1�0B@A<:2?�@[email protected]<;��<?�2E.:=92��A52F

=B?@B2�?2.1./696AF�/F�?2C62D6;4�A52�?2;2D.9�;<A6360.A6<;�.;1�0<;A2;A@�<3�6;@B?.;02�09.B@2@��@2;1�<BA�.�92.392A�6;160.A6;4

A52�=?<021B?2@�.3A2?�.00612;A@�.;1�&��@�A<�:.82�0B@A<:2?@�3229�.A�2.@2�.;1�B;12?@A.;1

!!..BB;;0055��<<33��II&&BB..11??669966;;44BB..99��((22??CC660022JJ��BB@@66;;44��%%55<<;;22����;;AA22??==??22AA..AA66<<;;

�;�#<C2:/2?��� ���"(��.;1�����@A.?A21�I@2?C602@�6;�3<B?�9.;4B.42@J�B@6;4�.�A292=5<;2�6;A2?=?2A.A6<;�@2?C602�)52

=B?=<@2�<3�A52�@2?C602�6@�A<�1296C2?�5645>B.96AF�@2?C602@�A<�0B@A<:2?@�D5<�5.C2�163360B9A62@�6;�0<::B;60.A6;4�6;��.=.;2@2

/F�6:=?<C6;4�A52�:B9A696;4B.9�2;C6?<;:2;A�)52�"(�����;@B?.;02��?<B=��.@�.�D5<92��D699�0<;A6;B2�3B?A52?�6:=?<C2:2;A�<3

0B@A<:2?�@2?C602�>B.96AF�A<�/?6;4�@.32AF�.;1�=2.02�<3�:6;1�A<�;<;�.=.;2@2@=2.86;4�0B@A<:2?@

ここ

Enhancing the Quality of Products and Services > Payment of Insurance Claim Service Preferable to Customers

157

(0?22;�<3���;3<?:.A6<;�<;��00612;A�'2@=<;@2�

+612<�@0?22;

II��;;AA??<<11BB00AA66<<;;��<<33����0000661122;;AA��''22@@==<<;;@@22JJ��@@00??2222;;

�A�"6A@B6��6?20A��2;2?.9����;3<?:.A6<;�<;��00612;A�'2@=<;@2��0<;A2;A@

5.C2�/22;�=?<C6121�<;�<B?�,2/@6A2�./<BA�.00612;A?2@=<;@2�@2?C602@�A<

?2:<C2�0B@A<:2?�@�.;E62A62@�.;1�=?<C612�.@@B?.;02��;�<?12?�A<�0<;C2F

<B?�:2@@.42@�<3�<B?�>B.96AF�6:=?<C2:2;A�233<?A@�6;�.�96A2?.99F��C6@6/92�

:.;;2?�.;1�0.??F�<B?�0B@A<:2?@��C<602@�D5<�5.C2�.0AB.99F�2E=2?62;021

<B?�.00612;A�@2?C602@��<B?�2:=9<F22@�.@@64;21�A<�.00612;A�@2?C602@�D6A5

A526?�=5<A<@�6;�=9.02��116;4�;2D�0<;A2;A@�@B05�.@�4B61.;02�<3�<D;

�12@64;.A21�?2=.6?�@5<=��@2?C602�.;1�6;3<?:.A6<;�16@@2:6;.A6<;�B@6;4

0.?A<<;��D2�.?2�.9@<�=BAA6;4�<B?�/2@A�233<?A�@<�A5.A�:.;F�<3�<B?

0B@A<:2?@�:.F�@5.?2�A526?�32296;4@�<3�.@@B?.;02

��;3<?:.A6<;�<;��00612;A�'2@=<;@2����.=.;2@2�<;9F�

��99..66::��((BB====<<??AA����BB661122

�;�<?12?�A<�6;3<?:�A52�6;@B?.;02�09.6:@�=?<021B?2@�6;�.;�2.@FA<

B;12?@A.;1�:.;;2?��"(��%?6:.?F�!632�6@�A.86;4�A52�3<99<D6;4�@A2=@�

�6��%9.02:2;A�<;�A52�D2/@6A2

"(��%?6:.?F�!632�5.@�=?<1B021�C612<@�./<BA�A52�6;@B?.;02�09.6:@

=?<021B?2@�./<BA�D5605�6A�?2026C2@�:.;F�6;>B6?62@��.;1�?292.@21�A52:�<;

6A@�D2/@6A2�,2�=?<C612�2E=9.;.A6<;@�3?<:�A52�6;>B6?62@�A5.A�D2�?2026C2

D52;�3.:69F�:2:/2?@�<3�0<;A?.0A21�0B@A<:2?@�36?@A�0.99�A<�A52�=.F:2;A�<3

6;@B?.;02�09.6:@��.@�D299�.@�@.:=92@�<3�?2>B6?21�1<0B:2;A@�.;1

;<A6360.A6<;�<3�0<:=92A21�=?<021B?2@

�66���;@B?.;02��9.6:@�(B==<?A��B612

,52;�@2;16;4�6;@B?.;02�09.6:�3<?:@��D2�2;09<@2�A52���;@B?.;02��9.6:�(B==<?A��B612���D5605�@6:=9F�2E=9.6;@�A52�39<D�<3

=?<021B?2@�)52���;@B?.;02��9.6:�(B==<?A��B612��5.@�</A.6;21�3?<:�A52�*;[email protected]��<::B;60.A6<;��2@64;��@@<06.A6<;

A52��+6./92��2@64;��2?A6360.A6<;���D5605�6@�A52�02?A6360.A6<;�@A.;1.?1�;<A�<;9F�3<?�12@64;�.;1�0<9<?�12@64;�/BA�.9@<�3<?�A52

:2.;6;4�<3�@2;A2;02@�.;1�A52�0<;C2;62;02�<3�B@2

�9608�52?2�3<?�A52�.0AB.9�C612<@����.=.;2@2�<;9F�

ここ

Enhancing the Quality of Products and Services > Payment of Insurance Claim Service Preferable to Customers

158

%%??<<CC66@@66<<;;��<<33��''2200<<CC22??FF��((22??CC660022@@��<<33����3333996600AA2211����..00669966AA6622@@

"(��.;1������6;�0<99./<?.A6<;�D6A5���!�$'��?<B=��A52�D<?91H@�A<=�09.@@�16@.@A2?�?20<C2?F�@=206.9AF�0<:=.;F��5.C2�/22;

=?<C616;4�5645>B.96AF�?20<C2?F�@2?C602@�3<?�.33960A21�3.0696A62@���)52�?20<C2?F�@2?C602@�<3�.33960A21�3.0696A62@�=?<C612

�2:2?42;0F�A?2.A:2;A�3<?�0<??<@6<;�6;56/6A6<;���D5605�6;56/6A@�=?<4?2@@6C2�0<??<@6<;�.;1�?B@A6;4��.;1��[email protected]�?20<C2?F

D<?8���D5605�6@�0<;1B0A21�/F�B@6;4�@=206.9AF�A205;<9<462@�<3�16@:.;A96;4��=?206@6<;�092.;6;4��1?F6;4��?2.@@2:/9F�.;1

6;@=20A6<;��A<��?20<C2?��A52�.33960A21�3.0696A62@�A<�@B05�@A.AB@�56A52?A<�=<@@6/92�<;9F�D6A5��?2=9.02:2;A�/F�;2D�3.0696A62@��

A52?2/F�@5<?A2;6;4�A52�?20<C2?F�=2?6<1�1?.:.A60.99F�.;1�:.86;4��2.?9F��.;1��20<;<:60.9��?20<C2?F�=<@@6/92�3<?�?2@A.?A6;4

/B@6;2@@�,5692�0<?=<?.A2�.D.?2;2@@�<3���%���B@6;2@@��<;A6;B6AF�%9.;��6@�?6@6;4�6;�A52�D.82�<3�@B05�;.AB?.9�0.9.:6A62@�.@

2.?A5>B.82@�.;1�AF=5<<;@��D2�6;A2;1�A<�@B==<?A�<B?�.33960A21�0B@A<:2?@�3<?�2.?9F�?20<C2?F�/F�=?<C616;4�A52@2�.33960A21

3.0696A62@�?20<C2?F�@2?C602@�6;�@B==<?A�<3���%

����"(��5.@�/22;�=?<C616;4�A52�@2?C602�6;� ��@6.;�0<B;A?62@�6;�0<<=2?.A6<;�D6A5���!�$'��@6.��;�.116A6<;��6;�0<<=2?.A6<;�D6A5�'20<C2?F�%?<�

A56@�@2?C602�6@�=?<C6121�6;��.=.;�A<�A52�0B@A<:2?@�<3��<:=?252;@6C2��<?=<?.A2�%?<=2?AF��;@B?.;02��0.9921�I%?<=2?AF�".@A2?J����B@6;2@@

�0A6C6AF��<:=?252;@6C2��;@B?.;02��0.9921�I�B@6;2@@� 22=2?J����.@60��6?2��;@B?.;02��.;1�A52��B@6;2@@��<@A��<:=?252;@6C2�%?<36A��;@B?.;02

����5.@�=?<C6121�A52�@2?C602�6;��.=.;�6;�0<<=2?.A6<;�D6A5�'20<C2?F�%?<�)56@�@2?C602�6@�=?<C6121�A<�.99�0B@A<:2?@�<3�A52��<:=?252;@6C2

�<?=<?.A2�%?<=2?AF��;@B?.;02�.@�D299�.@�A52�0B@A<:2?@�<3�A52��B@6;2@@��0A6C6AF��<:=?252;@6C2��;@B?.;02��0.9921�I)<B45��6G��B@6;2@@

�0A6C6AF��<:=?252;@6C2��;@B?.;02J�

�33696.A6<;�D6A5��293<?��@6.���.=.;2@2�<;9F�

�33696.A6<;�D6A5�'20<C2?F�%?<���.=.;2@2�<;9F�

��EE..::66;;..AA66<<;;��33<<??��%%..FF::22;;AA@@��<<33����;;@@BB??..;;0022����99..66::@@

"(��������.;1�"6A@B6��6?20A��2;2?.9�2E.:6;2�0.@2@�A5.A�.?2�12A2?:6;21�A<�/2�6;29646/92�3<?�6;@B?.;02�09.6:��=.F:2;A@�.;1

0.@2@�D52?2�.�0B@A<:2?�36921�0<:=9.6;A@��@�3<?�A52�<A52?�0.@2@�A5.A�:22A�A52�02?A.6;�0?6A2?6.��A52�2E.:6;.A6<;@�.?2

0<;1B0A21�/F�.�/<.?1�<3�?2C62D�0<;@6@A6;4�<3�<BA@612�9.DF2?@�.;1�2E=2?A@

�A�"(��.;1������@A.A2�<3�2E.:6;.A6<;�6@�16@09<@21�.A�A52�0<:=.;FH@�D2/@6A2

"(��.;1�����@5.?2�6;3<?:.A6<;�C6.�6;A2?;.9�;2D@92AA2?@�.;1�A.82�.1C.;A.42�<3�A52�.002@@�A<�2EA?.�6;3<?:.A6<;�6;

2;5.;06;4�@2?C602�>B.96AF�<3�1.:.42�@B==<?A

"(����.=.;2@2�<;9F�

������.=.;2@2�<;9F�

ここ

Enhancing the Quality of Products and Services > Payment of Insurance Claim Service Preferable to Customers

159

��5%'0'�1(�64#+0+0)

"'�564+8'�61�/#+06#+0�#0&�+/2418'�37#.+6;�6*417)*�10)1+0)�&+#.1)�9+6*�#)'065��;�5722146+0)�+/2418'/'06�1(�6*'�914-

37#.+6;�1(�#)'065��6*'��4172�#52+4'5�61�&'.+8'4�*+)*�37#.+6;�241&7%65�#0&�5'48+%'5�61�#..�+65�%7561/'45�#0&�)419�61)'6*'4

9+6*�+65�#)'065

��//22441188''//''0066��11((����))''0066��""1144--����77##..++66;;

��%%**''//''��##00&&����;;5566''//��((1144����//22441188''//''0066��11((����))''0066��""1144--����77##..++66;;

�6�����������#0&������+1+��+('��6*'�*'#&37#46'45��&'2#46/'06�+0�%*#4)'�1(�#)'06�'&7%#6+10�*#5�1(('4'&�'&7%#6+10�21.+%+'5

#0&�'&7%#6+10#.�241)4#/5�(14�6*'�#)'065�61�)#+0�-019.'&)'�(14�+0574#0%'�5#.'5�57%*�#5�%1/2.+#0%'��241&7%65��1((+%'

914-5;56'/5�#0&�5#.'5�5-+..5� *'�'&7%#6+10#.�241)4#/5�#4'�1(('4'&�6*417)*��06'40'6�#0&�%1..'%6+8'�64#+0+0)5��9*+.'�56#((5

+0�%*#4)'�1(�'&7%#6+10�#6�5#.'5�&'2#46/'065�241/16'�#66'0&#0%'�#6�5'55+105�#0&�5722146�61�4#+5'�.'8'.5�1(�#)'06�$75+0'55

5-+..5

��772222114466��((1144����//22441188''//''0066��11((����))''0066��""1144--����--++....55

��441188++&&++00))��##00����00..++00''����''##4400++00))����0088++441100//''0066

����#0&�����*#8'�#���1..')'��6*#6�#..195�(14�6*'�+06')4#6'&�/#0#)'/'06�1(�+0574#0%'�37#.+(+%#6+105��)4172�64#+0+0)

#66'0&#0%'��#0&�'�.'#40+0)�241)4'55�$;�2#46+%+2#06� *'�'�.'#40+0)�%106'065�#4'�75'&�$;�#)'065�#0&�%#08#55'45�����

&'.+8'4+0)�24'.+/+0#4;�.'#40+0)�(14�5'/+0#45�#0&�37#.+(+%#6+10�#%37+5+6+10�10�%1/2.+#0%'��&'6#+.5�1(�241&7%65��#0&�16*'4

+0(14/#6+10��9*+%*�.'#&5�61�$'66'4�51.+%+6#6+10�37#.+6;������'8'4;�/106*��&'.+8'45�6*'���)'06��&7%#6+10#.��41)4#/���#

567&;+0)�611.�61�'0#$.'�#0�#)'06�61�&'8'.12�#0&�'&7%#6'�51.+%+6#6+10�56#((�+0&'2'0&'06.;

�;�&+564+$76+0)��11&��4#%6+%'��'95�#0&�37#46'4.;�,1740#.5�10�6*'��06'40'6������+0641&7%'5�+0(14/#6+10�#0&�611.5�75'(7.�(14

51.+%+6#6+10�#%6+8+6+'5�$;�#)'065�#0&�%#08#55'45

�����'4/#0'06.;�*+4'&�'/2.1;''5�#0&�64#+0''5�'0)#)'&�+0�51.+%+6#6+10

44##++00++00))��++00����''5522110055''��6611��66**''����''''&&55��11((����))''006655

1�(7.(+..�&+8'45+(;+0)�%7561/'4�0''&5�#0&�61�+/2418'�6*'�%1057.6+0)

%#2#$+.+6;�+0�4'52105'�61�6*'�%*#0)'5�+0�6*'�/#4-'6�������4+/#4;��+('�+5

'0*#0%+0)�8#4+175�64#+0+0)�241)4#/5�#0&�5722146+0)�5#.'5�5;56'/5�1(

#)'065

�+0%'�(+5%#.� ����9'�*#8'�&'8'.12'&�#0&�2418+&'&���41('55+10#.�/#0#)'4

64#+0+0)��(14�/#0#)'45�61�&+#)015'�6*'�%744'06�/#0#)'/'06�56;.'�

+0%14214#6'�6*'�.#6'56�.'#40+0)�6*'14;��#%37+4'�6*'�#66+67&'5��-019.'&)'��#0&

5-+..5�0'%'55#4;�#5�#�/#0#)'4��0�#&&+6+10��9'�#.51�56#46'&�2418+&+0)

� 4#+0+0)�61��41/16'�6*'��%6+8'��#46+%+2#6+10�1(�"1/'0��(14�91/'0�016

10.;�61�.'#40�6*'�-019.'&)'�#0&�5-+..5�(14�914-+0)�241#%6+8'.;�#0&�8+)14175.;

$76�#.51�61�2.#0�#�9'..�$#.#0%'&�%#4''4�&'5+)0�#0&�9#;�1(�914-�#%%14&+0)

61�10'�5�190�'08+410/'06�#0&�5+67#6+10

�0�(+5%#.� �����9'�56#46'&�&'8'.12+0)�#0&�1(('4+0)���55'46+8'��1//70+%#6+10� 4#+0+0)��61�.'#40�*19�61�%1//70+%#6'

(4#0-.;�9*+.'�4'52'%6+0)�$16*�%1706'42#465�#0&�;1745'.(

*'�274215'�1(�/#:+/+<+0)�6*'�64#+0+0)�'(('%6�+5�61�241/16'�#%6+8'�.'#40+0)�6;2'�64#+0+0)�56;.'5��#0&�61�+0641&7%'�6*'�.#6'56

.'#40+0)�&'8+%'5�57%*�#5�6#$.'6���5��9*+%*�'0#$.'5�691�9#;�%1//70+%#6+105�$'69''0�.'%674'45�#0&�64#+0''5

ここ

Enhancing the Quality of Products and Services > Growth with Our Agents

160

��''''&&$$##%%--��11((����77556611//''44��55��!!11++%%''55������11//22..##++006655��##00&&����11//22..++//''006655��

����#0&�����6#-'�6*'�8#.7#$.'�12+0+105�1(�%7561/'45�5'4+175.;��%.#4+(;�+557'5�(41/�%7561/'45=�2'452'%6+8'5�#0&�&'8'.12

+/2418'/'06�/'#574'5�61�'0*#0%'�6*'�37#.+6;�1(�#)'065=�12'4#6+105

�16*�%1/2#0+'5�(#%+.+6#6'�+/2.'/'06#6+10�#0&�75'�1(�>6*'��7561/'4=5�!1+%'��#0#)'/'06��;56'/?��*#8'�#)'065

6*'/5'.8'5�#0#.;<'�%7561/'4=5�12+0+105��.'#&�6*'/�61�12'4#6+10#.�+/2418'/'06�#0&�%#44;�10�#%6+8+6+'5�61�$'�#�%7561/'4�

24'('44'&�#)'06��0�#&&+6+10��6*';�&'8'.12�#�5;56'/�61�(''&�$#%-�6*'�%7561/'45=�12+0+105�%1..'%6'&�6*417)*�>

�7'56+100#+4'5�61��7561/'45?�61�6*'+4�#)'065�#0&�5*#4'�6*'�56#6+56+%5�#0&�#0#.;5+5�4'57.65�#6�#)'065=�4')7.#4�/''6+0)5

#0&�64#+0+0)�61�4'(.'%6�6*'/�+0�12'4#6+10#.�+/2418'/'06

"'�9+..�%106+07'�241#%6+8'.;�#0#.;<+0)�#0&�76+.+<+0)�%7561/'45=�12+0+105�61�70&'456#0&�6*'�':2'%6#6+105�#0&�0''&5�1(

%7561/'45�#0&�51%+'6;�#0&�/#-'�'((1465�61�-''2�4'5210&+0)�61�6*'/

��44##//''991144--��6611����''%%7744''����77##..++66;;��++00����))''0066��""1144--

��##55++%%����''445522''%%66++88''

���������#0&������+1+��+('�1(('4�5722146�61�'0*#0%'�6*'�37#.+6;�1(�#)'065�9*+%*�5'48'�%7561/'45�#0&�*#8'�5%*'/'�61

+052'%6�6*'+4�$75+0'55�%10&7%6�+0�14&'4�61�&'.+8'4�*+)*�37#.+6;�241&7%65�#0&�5'48+%'5�61�%7561/'45�1(�#..�6;2'5

��))''0066����77##..++66;;����''4466++((++%%##66++1100����;;5566''//

����#0&�����*#8'�'56#$.+5*'&�#�5;56'/#6+%�12'4#6+10�241%'55�����4'.#6'&�61�6*'�51.+%+6#6+10�1(�%.+'065�(14�#)'065�61�574'.;

(1..19�51�6*#6�#..�%7561/'45�%#0�#((14&�+0574#0%'�9+6*�%10(+&'0%'

��������0#/'&�+6�6*'�>�70&#/'06#.��0574#0%'��;%.'?�#0&�����0#/'&�+6������7#.+6;��6#0&#4&5�

�0�#&&+6+10������#0&�����'#%*�%4'#6'&�6*'��)'06��7#.+6;��%%4'&+6#6+10��;56'/�61�5'%74'��7#.+6;�+0�4'%47+6/'06�1(

+0574#0%'�#0&�4'52105'�61�#%%+&'065�+0�%1..#$14#6+10�9+6*�#)'065

��11////7700++%%##66++1100��99++66**����))''006655

��''))77..##44�� 44##++00++00))��##00&&����''//++00##44

����#0&�����*1.&�%1..'%6+8'�64#+0+0)�5'55+105�4')7.#4.;�*'.&�(14�#)'065�+0�14&'4�61�564'0)6*'0�/767#.�%1//70+%#6+10�#0&

*'.2�+/2418'�6*'+4�37#.+6;�'(('%6+8'.;�#0&�'((+%+'06.;� *'�*'#&�1((+%'�&+8+5+10�5722.+'5�64#+0+0)�611.5�'8'4;�/106*�$#5'&�10

6*'/'5�57%*�#5�6*'�4'8+5+10�1(�241&7%6�#0&�#&/+0+564#6+8'�5;56'/5��#0&�+0+6+#6+8'5�6*#6�*#40'55�(''&$#%-�(41/�%7561/'45�

9*+.'�64#+0+0)�5'55+105�#4'�%10&7%6'&�$;�6*'�5#.'5�5'%6+10�$4#0%*�1((+%'5

��111122''44##66++1100��99++66**����44))##00++<<##66++1100��11((����))''006655

����#0&�����#4'�5722146+0)�/767#..;�'0*#0%'&�+0(14/#6+10�':%*#0)'�$'69''0�6*'�%1/2#0;�#0&�+65�#)'065�6*417)*�6*'

#)'06�14)#0+<#6+10��51�6*#6�%1//70+%#6+10�+5�#%6+8#6'&�#0&�5'48+%'5�1(�*+)*'4�37#.+6;�#4'�1(('4'&�61�%7561/'45��#%*

#)'06�14)#0+<#6+10�6*417)*�+65�12'4#6+105�914-5�10�6*'�&'8'.12/'06�1(�#�5;56'/�#0&�6*'�'0*#0%'/'06�1(�)4196*�216'06+#.

1(�/'/$'4�#)'065�#0&�.1%#.�#0&�51%+#.�%1064+$76+10�#%6+8+6+'5�#+/+0)�61�&'.+8'4�*+)*�37#.+6;�5'48+%'5�#0&�6*'�$'56

+0574#0%'�241&7%65�61�%7561/'45

��4411((''5555++1100##..����))''006655����555511%%++##66++1100�+657+��7/+61/1��0574#0%'��)'06��551%+#6+10������

*'��#6+10�9+&'��41('55+10#.��4172������41('55+10#.��4172�

��776611//11$$++..''����''%%**##00++%%����7755++00''5555''55����555511%%++##66++1100 �&8#0%'&��.7$�����

ここ

Enhancing the Quality of Products and Services > Growth with Our Agents

161

��##00##))''//''0066����772222114466��((1144����))''006655

*'�07/$'4�1(�#)'065�*#5�$''0�+0%4'#5+0)�+0�5+<'��%4'#6+0)�6*'�0''&�(14�#�*+)*'4�.'8'.�1(�/#0#)'4+#.�5-+..5��0�2418+&+0)

5722146�61�#)'065��6*'4'(14'��)4'#6'4�52'%+#.+<#6+10��1$,'%6+8+6;��#0&�/'&+7/��61�.10)�6'4/�2'452'%6+8'5�*#8'�$'%1/'

+/2146#06

1�6*+5�'0&������#0&�����&'2.1;�&'&+%#6'&�56#((5�9+6*�':2'46+5'�+0�5722146�(14�#)'065��%18'4+0)�#4'#5�(41/�/#0#)'/'06

#0&�5;56'/5�61�+0&+8+&7#.�12'4#6+10#.�+557'5� *'�%1/2#0+'5�/#-'�'((1465�61�+/2418'�#0&�':2#0&�6*'�/#0#)'/'06

(170&#6+10�#0&�37#.+6;�1(�#)'065�6*417)*�8#4+175�57221465�$;�57%*�56#((�+0%.7&+0)�64#+0+0)5��5'/+0#45�#0&�+0&+8+&7#.

/''6+0)5

ここ

Enhancing the Quality of Products and Services > Growth with Our Agents

162

��������������!!��������������������������""����&&!!""����!!�� ������""������""��

����$$�� ����������""����������������������������������"" ����##""������������""��$$��""����!!

��!�������# ��!!�����%����$���!"����!����"���� �#�'!

��$� �����"�����!��������&���� �#����# ����������"

!&!"����%��� ��%� ����������"# ������!� $�"�������

!���������" ��#"������"�$�"��!�

�������!�������������"��&!"��!� ���"���"�

��$� �����"�����������������" ��#"������"�$�"��!

����##��""������������������$$�� ����������""��������������""

������� �� ��#�"!�����!� $���!�"��"�� �� �!���!�$��"�

�����"�������������%� �����"�� ��#���"�����$� �����"��

�# ����� ��"����&��# ��#!���!!���"�$�"��!�

��#�"���������$� �����"�������"

�� ��!!�� $$��""������������������������$$�� !!��""&&

�# ���"� ��� �#���!�%� ��������� �!� $���������$� !�"&��#"

���"����������"��"�������!���������%�"�������"�����������!

$�"���"��"���!#!"��������"&�����# �!����"&�

� �!� $�"������������$� !�"&

ここ

Approaches to the Environment

163

(2/�"'�����8=?<+8-/��<9?:�:9=3>398=�/8@3<987/8>+6�:<9,6/7=�+=�+8�37:9<>+8>�7+8+1/7/8>�3==?/��+8.�+37=�>9�,?36.�+

=?=>+38+,6/�</6+>398=23:�,/>A//8�>2/��+<>2�=�/8@3<987/8>�+8.�9?<�,?=38/==�+->3@3>3/=��+=/.�98�>2/�"'�����8=?<+8-/

�<9?:��8@3<987/8>+6��+=3-�%963-C��A/�+</�+->3@/6C�/81+1381�38�/8@3<987/8>+6�+->3@3>3/=

��88@@33<<998877//88>>++66����++==33--��%%996633--CC

""''����������88==??<<++88--//����<<99??::����88@@33<<998877//88>>++66����++==33--��%%996633--CC

)8./<�3>=��<9?:�"3==398�'>+>/7/8>��G(2<9?12�9?<�38=?<+8-/�+8.�038+8-3+6�=/<@3-/�,?=38/==/=��,<381381�=/-?<3>C

+8.�=+0/>C�>9�:/9:6/�+8.�,?=38/==/=�+<9?8.�>2/�A9<6.�+8.�7+5381�+�6+=>381�-98><3,?>398�>9�>2/�/8<3-27/8>�90

=9-3/>C�H�>2/�"'�����8=?<+8-/��<9?:�2+=�7+./�>2/�/8@3<987/8>�+�:+<>�90�3>=�-9<:9<+>/�=><+>/1C�(2/��<9?:�2+=

/=>+,63=2/.�>2/�09669A381� /C��==?/=�+8.�3=�+.@+8-381�/009<>=�38�>2/=/�+</+=�38�638/�A3>2�>2/�'>+8.+<.=�90��98.?->

63=>/.�,/69A

(2/��<9?:�3=�-9773>>/.�>9�9819381�37:<9@/7/8>�>2<9?12�3>=�/8@3<987/8>+6�7+8+1/7/8>�=C=>/7��+8.�>9�+,3.381

,C�/8@3<987/8></6+>/.�6+A=��</1?6+>398=��:<38-3:6/=�+8.�1?3./638/=�+1<//.�>9�,C�+66�7/7,/<=�90�>2/�"'���

�8=?<+8-/��<9?:

�� //CC����====??//==

� ��"3>31+>398�90�+8.�+.+:>+>398�>9�-637+>/�-2+81/

����'?=>+38+,6/�?=/�90�</=9?<-/=

����&/.?->398�90�/8@3<987/8>+6�,?<./8

����%</=/<@+>398�90�,39.3@/<=3>C

����''>>++88..++<<..==��9900����9988..??-->>

� ���83>3+>3@/=�@3+�9?<�38=?<+8-/�+8.�038+8-3+6�=/<@3-/=

*/�A366�-</+>/�38=?<+8-/�+8.�038+8-3+6�=/<@3-/=�>2+>�-98><3,?>/�>9�>2/� /C��==?/=��+8.�A9<5�>9�</=96@/�=9-3+6

3==?/=�+8.�>2?=�/82+8-/�-9<:9<+>/�@+6?/

�����83>3+>3@/=�+=�:+<>�90�>2/�,?=38/==�:<9-/==

(2<9?12�+8�3889@+>3@/�</+==/==7/8>�90�9?<�,?=38/==�:<9-/==/=��A/�A366�A9<5�>9�/82+8-/�;?+63>C�+8.�37:<9@/

,?=38/==�9:/<+>398=��A236/�7+5381�79</�/003-3/8>�?=/�90�</=9?<-/=�+8.�/8/<1C

�����8@3<987/8>+6�+A+</8/==�+8.�:<9>/->398�+->3@3>3/=

�C�<+3=381�/8@3<987/8>+6�+A+</8/==�+7981�+66�90�9?<�/B/-?>3@/=�+8.�/7:69C//=��9?<�-977?83>3/=�+8.�>2/�8/B>

1/8/<+>398��A/�A366�A9<5�A3>2�=>+5/296./<=�>9�:<979>/�/8@3<987/8>+6�:<9>/->398�+->3@3>3/=��1+38381�>2/3<�><?=>

+8.�,?36.381�=C7:+>2C�09<�>2/=/�3==?/=

�=>+,63=2/.��:<36� ���� �

&/@3=/.��:<36� ���� �

ここ

Approaches to the Environment > Policies and Management Systems Related to Environmental and Social Contribution Activities

164

�"'����$?<��+<>2�%<94/->��6919

%%996633--33//==��++88..��""++88++11//77//88>>��''CC==>>//77==��&&//66++>>//..��>>99����88@@33<<998877//88>>++66��++88..��''99--33++66����9988>><<33,,??>>339988����-->>33@@33>>33//==

�66��<9?:�-97:+83/=�2+@/�,//8�A9<5381�-966/->3@/6C�98�=96@381�/8@3<987/8>+6�3==?/=�,C�-97,38381��'$ ��� �-/<>303-+>398�

>2/�38>/<8+>398+6�=>+8.+<.�09<�/8@3<987/8>+6�7+8+1/7/8>�=C=>/7�A3>2�G"'����$?<��+<>2�%<94/->H��>2/��<9?:F=�?83;?/

/8@3<987/8>+6�7+8+1/7/8>�=C=>/7

��::::<<99++--22��0099<<����--;;??33==33>>339988��++88..��""++3388>>//88++88--//��9900����''$$�� ������ ����//<<>>330033--++>>339988

(2/�"'�����8=?<+8-/��<9?:�3=�A9<5381�>9�+-;?3</�+8.�7+38>+38��'$ ��� -/<>303-+>398��>2/�38>/<8+>398+6�=>+8.+<.�09<

/8@3<987/8>+6�7+8+1/7/8>�=C=>/7�(2/�"'�����8=?<+8-/��<9?:�2+=�09<7/.�+�-97798�/8@3<987/8>+6�:963-C�+8.

7+8+1/7/8>�7+8?+6�*/�+</�:<979>381�>2/�:<9@3=398�90�:<9.?->=�+8.�=/<@3-/=�>2+>�6/+.�>9�=96@381�/8@3<987/8>+6�3==?/=�

+8.�:<979>381�9:/<+>398+6�/003-3/8-C�>2<9?12�+->3@3>3/=�38�9?<�,?=38/==�+>�>2/�2/+.;?+<>/<=�90�=/@/8��<9?:�-97:+83/=���

����"'�����96.381=��"'��������"3>=?3��3</->��/8/<+6��"'���393�!30/��"'��%<37+<C�!30/���8>/<&3=5�&/=/+<-2��8=>3>?>/��

�98=?6>381

''??::::99<<>>��0099<<����//<<>>330033--++>>339988��??88..//<<����--99����-->>339988����

(2/�"'�����8=?<+8-/��<9?:�=?::9<>=�>9�9,>+38�-/<>303-+>398�?8./<��-9��->398�� �09<�/8@3<987/8>+6�7+8+1/7/8>

=C=>/7=�</-977/8./.�,C�>2/�"383=><C�90�>2/��8@3<987/8>�"'��:+<>3-3:+>/=�38��%+<>8/<�-97:+83/=��<//8381�%<91<+7��38

A23-2�+?.3>9<=�38�/+-2�+</+=�296.�=/738+<=�+8.�:<9@3./�09669A?:�09<�>2/�7/7,/<=�90���.@+8-/��6?,���+8�9<1+83D+>398�90

=/<@3-/�+8.�</:+3<�=29:�+1/8>=�A29�/81+1/�38�/-97+38>/8+8-/��+8.�3=�-98>38?381�>9�/81+1/�38�/8@3<987/8>+6

7+8+1/7/8>

����3=�09-?=381�98�>2/�:</@/8>398�90�169,+6�A+<7381�>91/>2/<�A3>2�69-+6�-977?83>3/=�,C�:<979>381�:<9:9=+6�+->3@3>3/=�>9

69-+6�'"�=�+=�A/66�+=�>9�>2/�+1/8>=

""''��������$$??<<����++<<>>22��%%<<9944//-->>

(2/�"'�����8=?<+8-/��<9?:�+8.�3>=�,+=/=�+</�:<979>381�G"'����$?<��+<>2

%<94/->H�>9�:?=2�09<A+<.�A3>2�/8@3<987/8>+6�+8.�=9-3+6�-98><3,?>398�+->3@3>3/=�(2/

�<9?:�+=�+�A296/�3=�1<+::6381�A3>2�+->3@3>3/=�09<�</.?-381�>2/�-98=?7:>398�90

/6/-><3-3>C��1+=9638/�+8.�:+:/<��A23-2�+</�-98=?7/.�38�9?<�,?=38/==�+->3@3>3/=��+8.

-98=/<@381�,39.3@/<=3>C�+8.�-98><3,?>381�>9�=9-3/>C

�8�03=-+6��� ���>2/�9<3138+6�6919�A+=�=/6/->/.�,C�+�@9>/�90�+66�1<9?:�/7:69C//=�>9

0?<>2/<�:<979>/�>2/=/�+->3@3>3/=�*/�-</+>/.�>23=�6919�38�-966+,9<+>398�A3>2�+8�#%$�,C

7+5381�+�</;?/=>�>9�+�C9?81�+<>3=>��>�/B:</==/=�>2/�3./+�>2+>�/+-2�98/�90�9?<

/7:69C//=�/81+1/=�38�/8@3<987/8>+6�+8.�=9-3+6�-98><3,?>398�+->3@3>3/=�>9�-</+>/�>2/

�+<>2�=�0?>?</�09<�+66�90�?=

ここ

Approaches to the Environment > Policies and Management Systems Related to Environmental and Social Contribution Activities

165

��AA++<<//88//====��&&++33==338811����-->>33@@33>>33//==��0099<<��''>>++55//229966..//<<==

(2/�"'�����8=?<+8-/��<9?:��>91/>2/<�A3>2�=9-3/>C��2+=�,//8�7+5381�/009<>=�>9�,?36.�+�=?=>+38+,6/�169,+6�/8@3<987/8>

''::<<//++..��9900����--9977++3388>>//88++88--//��++88..����--993388==:://-->>339988

(2<9?12�>2/��.@+8-/��6?,��+8�9<1+83D+>398�90�=/<@3-/�+8.�</:+3<�=29:�+1/8>=��"'��3=�:<979>381�>2/�=:</+.�90�/-9

7+38>/8+8-/�+8.�/-938=:/->398��-97+38>/8+8-/�+8.�/-938=:/->398�-98=3=>�7+386C�90�/8138/�A+=2381��>2/�38>/<39<=�90

-97,?=>398�-2+7,/<=�38�+?>979,36/�/8138/=�+</�A+=2/.�,C�+�=:/-3+6�:<9-/.?</��/=3./=�-?<>+36381�/73==398=�90�>9B3-�1+=�

>2/�</79@+6�90�</=3.?/�90�-+<,98�+8.�9>2/<�=?,=>+8-/=�38�>2/�-2+7,/<=�2/6:=�>9�</.?-/��$��/73==398=�,/-+?=/�3>

37:<9@/=�0?/6�/003-3/8-C�+8.�>2/</,C�./-</+=/=�0?/6�?=/��=�90�"+<-2�� ���� ���>2/�8?7,/<�90�</:+3<�=29:=�:/<09<7381

/8138/�A+=2381�</+-2/.���

�<//8�%9A/<�'?::9<>/<����-97+38>/8+8-/�+8.��-938=:/->398���+:+8/=/�986C�

%%<<997799>>339988��9900����--99��''++00//>>CC����<<33@@338811

�8�>2/�898630/�38=?<+8-/�38.?=><C��+::<9+-2/=�>9�,?36.381�/8@3<987/8>0<3/8.6C��+--3./8>0<//�=9-3/>C�2+@/�,//8�:?<=?/.

,C�:<+->3-381���-9�'+0/>C��<3@381��(2/�"'�����8=?<+8-/��<9?:�2+=�:</:+</.�>996=�>9�+==3=>�:<979>398�90�/-9�=+0/

.<3@381��+�>/<7�</0/<<381�>9�:<+->3-/=�>2+>�+</�1/8>6/�>9�>2/�/8@3<987/8>��2/6:�>9�</.?-/�0?/6�-9=>=��+8.�+6=9�./-</+=/

+--3./8>=�*/�+</�+->3@/6C�+.@9-+>381�>2/=/�:<+->3-/=�>9�-9<:9<+>/�-?=>97/<=

��8866331122>>//8877//88>>��9900��>>22//����77::6699CC////

""''����������--99��''773366//����22//--55

*/�,/63/@/�>2+>�-98>38?9?=�+A+</8/==�+->3@3>3/=�09<�9?<�/7:69C//=��>2/�:<38-3:6/�+->9<=�90�9?<�,?=38/==��+</�8/-/==+<C�38

9<./<�>9�:<979>/�>2/��<9?:F=�/8@3<987/8>+6�+8.�=9-3+6�-98><3,?>398�+->3@3>3/=

(2/�"'�����8=?<+8-/��<9?:�-98.?->=�3>=�G"'�����-9�'736/��2/-5H�-+7:+318�/@/<C�C/+<�=9�>2+>�/@/<C�/7:69C//�-+8

</06/->�98�/8@3<987/8>+6�:<9>/->398�+8.�=9-3+6�-98><3,?>398�+->3@3>3/=E=?-2�+=�/-9630/�:<+->3-/=�38-6?.381�/8/<1C�=+@381�

/-9+->3@3>3/=�+>�9003-/��@96?8>//<�A9<5��-2+<3>+,6/�13@381E+=�A/66�+=�/82+8-381�>2/3<�-98=-39?=8/==�>9A+<.�>2/7

��88@@33<<998877//88>>++66��++88..��''99--33++66����9988>><<33,,??>>339988����..??--++>>339988

�8@3<987/8>+6�:<9,6/7=�=?<<9?8.381�?=��=?-2�+=�169,+6�A+<7381�+8.�>2/�-<3=3=�90�,39.3@/<=3>C��+</�,/-97381�79</�=/<39?=

(9�>+-56/�>2/=/�/8@3<987/8>+6�:<9,6/7=��>2/�"'�����8=?<+8-/��<9?:�3=�-98.?->381�/6/+<8381�=/==398=��/>-�09<

/8@3<987/8>+6�/.?-+>398�38�9<./<�>9�=2+</�>2+>�=+7/�</-9183>398�A3>2�+66�90�9?<�/7:69C//=

��AA++<<..//..��""338833==>>//<<��9900��>>22//����88@@33<<998877//88>>FF==����AA++<<..��++>>��GG��88@@33<<998877//88>>++66����..??--++>>339988����AA++<<..������ ��HH

(2/�"'�����8=?<+8-/��<9?:�A+=�=/6/->/.�09<�>2/��8@3<987/8>�"383=>/<F=��A+<.��1<+8.�:<3D/��+>�G>2/��8@3<987/8>+6

�.?-+>398��A+<.��� �H�9<1+83D/.�,C�>2/��8@3<987/8>+6��98=9<>3?7�09<�!/+./<=23:��/@/69:7/8>���-9�!/+.��90�"383=><C�90

�8@3<987/8>�(2/��<9?:�=�/009<>=�09<�2?7+8�</=9?<-/�./@/69:7/8>�09<�<+3=381�+A+</8/==�+,9?>�/8@3<987/8>+6�+8.

=9-3/>+6�3==?/=�A/</�</-9183D/.��9669A381�>2/�/B-/66/8>�+A+<.=�</-/3@/.�38��� ��+8.��� ���>2/��<9?:�</-/3@/.�>2/

"383=>/<F=��A+<.��1<+8.�:<3D/��38��� �

ここ

Approaches to the Environment > Policies and Management Systems Related to Environmental and Social Contribution Activities

166

�9<;4@612�<B?�D<?8�A<�0<;A?6/BA2�A<�A52�49</.9�2;C6?<;:2;A�A5?<B45�<B?�6;@B?.;02�.;1�36;.;06.9�@2?C602@�/B@6;2@@2@�233<?A

A<�?21B02�A52�2;C6?<;:2;A.9�/B?12;�0?2.A21�/F�<B?�<D;�/B@6;2@@�.0A6C6A62@�.9@<�?2=?2@2;A�.;�6:=<?A.;A�@<06.9

?2@=<;@6/696AF�3<?�A52�0<:=.;F���99�0<:=.;62@�.;1�2:=9<F22@�<3�A52�"'�����;@B?.;02��?<B=�D<?8�A<42A52?�A<�?21B02

2;C6?<;:2;A.9�/B?12;@�3?<:�/B@6;2@@�.0A6C6A62@�/F�2;5.;06;4�2;C6?<;:2;A.9�:.;.42:2;A�@F@A2:@�

""221166BB::��..;;11��!!<<;;44AA22??::��&&2211BB00AA66<<;;����<<..99��<<33����$$��

(52�"'�����;@B?.;02��?<B=�@B==<?A21�A52�%.?6@��4?22:2;A�.1<=A21�.A��$%������@A��<;32?2;02�<3�A52�%.?A62@�A<�A52

);6A21�#.A6<;@��?.:2D<?8��<;C2;A6<;�<;��96:.A2��5.;42��6;��202:/2?�� ���.;1�@64;21�<;�A<�A52�%.?6@�%92142�3<?

�0A6<;�12.96;4�D6A5�096:.A2�05.;42�.;1�49</.9�D.?:6;4���<99<D6;4�B=�<;�A56@�@64;6;4�D2�5.C2�2@A./96@521�A52��$�

?21B0A6<;�4<.9�<3�� � �3<?�A52�D5<92�4?<B=�6;09B16;4�<C2?@2.@�6;�.116A6<;�A<�A52�2E6@A6;4�<;2�3<?�[email protected]�� � ���@�.;

6;@B?.;02�.;1�36;.;06.9�4?<B=�2;4.421�6;�/B@6;2@@�49</.99F�D2�D699�=?<.0A6C29F�=B?@B2�?21B0A6<;�<3��$��2:6@@6<;@�.@�.;

2;A6?2�4?<B=�

&21B0A6<;�4<.9���� �+� � �+� �

,�.@2��+-��+� � H� � H� �

&&2211BB0066;;44��AA5522����;;CC66??<<;;::22;;AA..99����BB??1122;;@@��<<33����BB@@66;;22@@@@��%%??<<0022@@@@22@@

*2�5.C2�.0562C21�.�@64;6360.;A�?21B0A6<;�6;�2;C6?<;:2;A.9�/B?12;@�/F�1646A6G6;4�6;@B?.;02�=<96062@�.;1�=.F:2;A

=?<021B?2@��*2�.?2�.9@<�0<;A?6/BA6;4�A<�A52�2;C6?<;:2;A�/F�@.C6;4�?2@<B?02@�B@21�6;�.BA<:</692�?2=.6?@��*2�D699�=?<:<A2

6;6A6.A6C2@�A<�3221�/.08�A52�2;C6?<;:2;A.9�=?2@2?C.A6<;�?2@B9A@�/F�@5.?6;4�A52�3?B6A@�<3�A52�233<?A@�A<�?21B02�2;C6?<;:2;A.9

9<.1�@5<D;�./<C2�

�646A.9��;@B?.;02�%<960F�%?<021B?2

%?<C6@6<;�<3�&20<C2?F�'2?C602@�<3��33960A21��.0696A62@

��====??<<..0055��AA<<��AA5522������00<<66;;@@BB??..;;0022����22??AA66336600..AA22����..;;11��AA5522����**22//��%%<<996600FF����99..BB@@22��

"'��=?<:<A2@�A52���?22;�%<D2?�'B==<?A2?�=?<4?.:��D5605�2;4.42@�6;�A52�49</.9�2;C6?<;:2;A�=?<A20A6<;�D6A5�0B@A<:2?@

A5?<B45�6;@B?.;02���00<?16;4�A<�A52�92C29�<3�.0562C2:2;A�<3�A52���.==?<.052@�/29<D�"'��1<;.A2@�A<�2;C6?<;:2;A

=?<A20A6<;�.;1�<A52?�.0A6C6A62@������D2/�=<960F�09.B@2@�20<6;@B?.;02�02?A6360.A2��.;1������920A?<;60�0<;A?.0A6;4

=?<021B?2@��D5605�529=@�?21B02�=.=2?�0<;@B:=A6<;�����)@2�<3�?20F0921�.BA<:</692�=.?A@��D5605�3.0696A.A2@�20<3?62;19F

0.?�?2=.6?�.;1������0<:.6;A2;.;02��0<6;@=20A6<;��D5605�529=@�?21B02��$��2:6@@6<;@�.;1�2:6@@6<;@�<3�5.G.?1<B@

@B/@A.;02@���;�[email protected]�� ���D2�1<;.A21�A<�A52��;1<;2@6.�A?<=60.9�?.6;3<?2@A�?20<C2?F�=?<720A�.;1�(<5<8B�?20<;@A?B0A6<;

.61���?<:�� ��D5605�6@�D52;�D2�@A.?A21�<B?�6;C<9C2:2;A�A5?<B45�".?05�� ���A52�A<A.9�;B:/2?�<3�0.@2@�.:<B;A21�A<���

:6996<;�92.16;4�A<�.==?<E6:.A29F�����:6996<;�F2;�D<?A5�<3�1<;.A6<;@�

����.@�=.?A�<3�2;C6?<;:2;A.9�=?2@2?C.A6<;�.0A6C6A62@�6@�D<?86;4�A<�0BA�1<D;�<;�A52�[email protected]�<3�=.=2?�?2@<B?02@�/F

6;A?<1B06;4��0<�;@B?.;02��2?A6360.A2�.;1�*2/�%<960F��9.B@2���<;.A6<;@�.?2�:.12�6;�.00<?1.;02�D6A5�A52�;B:/2?�<3

0B@A<:2?@�D5<�@2920A21��0<�;@B?.;02��2?A6360.A2�.;1�*2/�%<960F��9.B@2�A<�@B==<?A��"<?2�(?22@��.�42;2?.9

6;0<?=<?.A21�.@@<06.A6<;�.;1�#%$@�2;4.421�6;�3<?2@A�.;1�2;C6?<;:2;A.9�=?2@2?C.A6<;�.0A6C6A62@�.@�D299�.@�:.86;4

1<;.A6<;�3<?�A52�.3320A21�.?2.@�.;1�05691?2;�<3�A52��?2.A��.@A� .=.;��.?A5>B.82�A5?<B45�#.A6<;.9��212?.A6<;�<3�)#�'�$

�@@<06.A6<;@�6;� .=.;�.;1�<A52?@�

"'���?22;�%<D2?�'B==<?A2?�.;1��0<6;@B?.;02��2?A6360.A2@���*2/�%<960F��9.B@2@�� .=.;2@2�<;9F�

�����<;.A6<;@�A5?<B45��0<�;@B?.;02��2?A6360.A2�.;1�*2/�%<960F��9.B@2

ここ

Approaches to the Environment > Reduction of Environmental Impact

167

�2?A6360.A6<;�/F

�2BA@052�%<@A���!

"'��@�'B?B4.1.6�<33602

��<<����??2222;;��%%??<<44??..::������22??::..;;��

�6<6�#6@@.F��<D.��;@B?.;02��B?<=2�������2?:.;�/?.;05��D5605�6@�A52��B?<=2

@B/@616.?F�<3�����5.@�/22;�=.?A606=.A6;4�6;���<��?22;�%?<4?.:��5291�/F��2BA@052�%<@A

��!�@6;02�A52�@=?6;4�<3�� �����;�A52���<��?22;�%?<4?.:��.;�2;C6?<;:2;A.99F�3?62;19F

1296C2?F�@2?C602�6@�=?.0A6021�6;�D5605�A52�.:<B;A�<3�0.?/<;�16<E612���$���2E5.B@A21

D52;�1296C2?6;4�=<@A.9�:.69@�A<�0B@A<:2?@�6@�0.90B9.A21�.;1�A52�@.:2�.:<B;A�<3��$��6@

?26;C2@A21�A<�2;C6?<;:2;A.99F�3?62;19F�=?<720A@��9682�5F1?<2920A?60�=<D2?�42;2?.A6<;�.;1

D6;1�=<D2?�42;2?.A6<;�=9.;A��������2?:.;�/?.;05�:.12�.�1<;.A6<;�2>B6C.92;A�A<�A<A.9

<3�./<BA����A<;@�<3��$��6;�A52�2;1�<3�� ���.;1�D.@�.D.?121�.�02?A6360.A6<;�/F

�2BA@052�%<@A���!��".;F��2?:.;F�0<:=.;62@�6;09B16;4�A52�9<0.9�@B/@616.?F�<3�A52

"'�����;@B?.;02��?<B=�@�/B@6;2@@�=.?A;2?@�.?2�=.?A606=.A6;4�6;�A52�=?<4?.:�

��;;CC66??<<;;::22;;AA..9999FF��??6622;;1199FF����BB66991166;;44

(52�;2D�D6;4�<3�"'��@�'B?B4.1.6�<33602�0<:=92A21�6;��2/?B.?F�� ���6@�.;

2;2?4FA5?63A�.?056A20AB?2�/B69A�D6A5�A52�9.A2@A�2;C6?<;:2;A.99F�@F:/6<A60

A205;<9<4F���.C6;4�A52�3B993921421�1<B/92@86;��1<B/92�D6;1<D�=.;2

0<;@A?B0A6<;��2EA2?6<?�@F@A2:�6;@A.9921�A52�/B6916;4�6@�2E=20A21�A<�.99<D�3<?�:<?2

?21B0A6<;�6;�A52?:.9�9<.1�6;�@B::2?�.;1�.1121�6;@B9.A6<;�23320A@�6;�D6;A2?�

"<?2<C2?�#.AB?.9�C2;A69.A6<;�@F@A2:�6@�6;�=9.02�.;1�9645A6;4@�6;�A52�<33602�.?2

0<;A?<9921�/F�@2;@<?@�3<?�.BA<:.A60.99F�@D6A056;4�<;�.;1�<33�@2;@6A6C2�A<

9645A;2@@�.;1�5B:.;�=?2@2;02�A5B@�@.C6;4�2;2?4F��$;�?<<3A<=@�@<9.?�/.AA2?F

=.;29@�.?2�6;@A.9921�

%%??<<::<<AA66<<;;��<<33��))@@22��<<33����<<??22@@AA����22??AA6633662211��%%..==22??���

�A�A52�"'�����;@B?.;02��?<B=�@D6A05�<C2?�A<�3<?2@A�02?A63621�=.=2?�5.@�/22;�6;�=?<4?2@@�@6;02�� � �3<?�=?6;A6;4

:.A2?6.9�9682�=.:=592A@���F�B@6;4�=.=2?�@A<08�:.12�3?<:�3<?2@A�9B:/2?@�=?<=2?9F�:.;.421�D2�0<;A?6/BA2�A<�0<;@2?C6;4

3<?2@A@�.;1�:.6;A.6;6;4�/6<16C2?@6AF�

����%.=2?�:.12�<3�D<<1�=B9=�3?<:�3<?2@A�9B:/2?@�=?<=2?9F�:.;.421�3<?�A52�=B?=<@2�<3�@[email protected];./92�B@2�.;1�0<;@2?C.A6<;

<3�3<?2@A�?2@<B?02@

ここ

Approaches to the Environment > Reduction of Environmental Impact

168

�/<1C<��CA7<3AA�/<2��7=27D3@A7BG�&:3253

)75<7<5��3@3;=<G�/B�/�0CA7<3AA�4=@C;

)13<3�4@=;�27A1CAA7=<A�E7B6�KB63�#3F71/<

�::7/<13�4=@��7=27D3@A7BG�/<2��CA7<3AAL

$/BC@/:�0=C<BG�>@=D7232�0G�07=27D3@A7BG��31=AGAB3;�A3@D713A��7A�B63�0/A7A�=4�=C@�:7D3A�/<2�0CA7<3AA�/1B7D7B73A���0CA7<3AA

;=23:�7<�1=<A723@/B7=<�=4�07=27D3@A7BG�AC>>=@BA�B63�ACAB/7</07:7BG�=4�B63�3<B7@3�A=173BG��E6716�7<1:C23A�1=;>/<73A�/A�E3::

�B�B63�#)�����<AC@/<13��@=C>��B63�/1B7=<�>:/<A�7<�B63�#)�����/A71��<D7@=<;3<B/:�&=:71G�3F>:717B:G�7<1:C23�/>>@=/163A

B=�>@3A3@D/B7=<�=4�07=27D3@A7BG�/<2�E3�>@=;=B3�=C@�/>>@=/163A

))7755<<77<<55��BB6633��$$//BBCC@@//::����//>>77BB//::����3311:://@@//BB77==<<

�<� C:G� �����B63�#)�����<AC@/<13��@=C>�A75<32�B=�B63�$/BC@/:��/>7B/:��31:/@/B7=<

)75<7<5�B63�$/BC@/:��/>7B/:��31:/@/B7=<

((33AA33//@@1166��//<<22����22CC11//BB77==<<//::����11BB77DD77BB7733AA

-3�/@3�1=<2C1B7<5�/�ABC2G�=<�E6/B�E3�A6=C:2�2=�B=�>@=B31B�07=27D3@A7BG��/<2�27AA3;7</B7<5�E723:G�B63�7;>=@B/<13�=4

>@=B31B7<5�07=27D3@A7BG

//>>//<<����CCAA77<<33AAAA����<<77BB77//BB77DD33��44==@@����77==2277DD33@@AA77BBGG���� ��������

�>@7:� ����A/E�B63�3AB/0:7A6;3<B�=4�B63� />/<��CA7<3AA��<7B7/B7D3�4=@��=<A3@D/B7=<�/<2�)CAB/7</0:3�+A3�=4��7=27D3@A7BG

� ������E6716�A3@D3A�/A�/�<3BE=@9�4=@�8=7<B�@3A3/@16�0G�1=;>/<73A�1=<13@<32�/0=CB�>@3A3@D7<5�07=27D3@A7BG�/<2�;/97<5

ACAB/7</0:3�CA3�=4�</BC@/:�@3A=C@13A��D3@�A7<13�7BA�3AB/0:7A6;3<B��#)��6/A�033<�AC>>=@B7<5�B63� ����A�/1B7D7B73A�/A�B63

16/7@�1=;>/<G

�����B=�>@=D723�@343@3<13A�4=@�3<D7@=<;3<B/:�344=@BA�B=�1=;>/<73A�7<� />/<��23D3:=>A�5C723:7<3A�4=@�:/<2�CA3�/<2�@/E

;/B3@7/:�>@=1C@3;3<B�1/@7<5�07=27D3@A7BG�/<2�27A1:=A3A�@3AC:BA�=4�B63�ABC273A�*63�/1B7D7B73A�=4� ����E3@3�@343@@32�B=�7<

K$/B7=</:��7=27D3@A7BG�)B@/B35G�=4� />/<� �� � �L� ����7A�6756:G�@35/@232�/A�=<3�=4�B63�0=273A�E7B6�E6716�B63

5=D3@<;3<B�A6=C:2�>C@AC3�4C@B63@�1=::/0=@/B7=<�/<2�1==>3@/B7=<� ����>/@B717>/B32�7<�B63���B6�;33B7<5�=4�B63��=<43@3<13

=4�B63�&/@B73A�B=�B63��=<D3<B7=<�=<��7=:=571/:��7D3@A7BG���%&����63:2�7<�#3F71=�7<��313;03@� �����B�7A�0=:AB3@7<5�7BA

>@3A3<13�7<�344=@BA�4=@�07=27D3@A7BG�>@3A3@D/B7=<�0G�3F16/<57<5�7<4=@;/B7=<�E7B6�KB63�#3F71/<��::7/<13�4=@��7=27D3@A7BG�/<2

�CA7<3AAL

�1B7D7B73A�4=@�&@3A3@D/B7=<�=4��7=27D3@A7BG�� />/<3A3�=<:G�

����:=5=

ここ

Approaches to the Environment > Preservation of Biodiversity

169

))GG;;>>==AA77CC;;����**6633��))BB==@@GG��==44����77==::==55GG��**==::22��00GG����==;;>>//<<7733AA��

)7<13� �����#)��6/A�033<�6=:27<5�/�AG;>=A7C;��*63�)B=@G�=4��7=:=5G�*=:2�0G��=;>/<73A��4=@�1=@>=@/B3�AB/44A�/A�/<

3<:756B3<;3<B�4=@�1=;>/<73A�7<�/>>@=/167<5�07=27D3@A7BG

�<�#/@16� �������B6�AG;>=A7C;�E/A�63:2�E7B6�B63�1=A>=<A=@A67>�=4�#7<7AB@G�=4��<D7@=<;3<B��*=9G=�#3B@=>=:7B/<

�=D3@<;3<B���67G=2/��7BG��!372/<@3<��=;;7BB33�=<�$/BC@3��=<A3@D/B7=<��/<2�B63�A>317/:�1==>3@/B7=<�=4� ����/<2

�<B3@(7A9�(3A3/@16��<AB7BCB3����=<AC:B7<5��<�B63���B6�AG;>=A7C;�63:2�B67A�G3/@��0/A32�=<�B63�:/B3AB�B@3<2A�=4�B63�)��A

/<2�</BC@/:�1/>7B/:�/<2�/1673D3;3<BA�/<2�16/::3<53A�723<B74732�0G�B63��%&���B==9�>:/13�7<� �����E3�B==9�7<B=

1=<A723@/B7=<�344=@BA�4=@�07=27D3@A7BG�1=<A3@D/B7=<�B=E/@2� ����/<2�:35/173A�/4B3@�B6/B�-3�/:A=�>@=D7232�:31BC@3A�=<

7<7B7/B7D3A�4=@�<3E�D/:C3�1@3/B7=<�4=1CA7<5�=<�$/B7=</:�(3A7:73<13�=4� />/<�/<2�1==>3@/B7=<�03BE33<�1=;>/<73A�/<2

5=D3@<;3<B�4@=;�B63�>3@A>31B7D3A�=4�B63�63/2A�=4�5=D3@<;3<B�/<2�;/</53;3<B��<�/227B7=<��E3�=@5/<7H32�B6@33

AC01=;;7BB33�27/:=5C3�4=@�B63�B63;3A���*63�4=1CA�=4�1=;>/<73AJ�/BB3<B7=<��</BC@/:�1/>7B/:�B=�1@3/B3�D/:C3�4=@�B63�<3FB

53<3@/B7=<�����23/:�C@0/<�17B73A�B=�ACAB/7<�/�5@33<�31=<=;G���/<2���@33<�(3A7:73<13���F>3@BA�/<2�>3@A=<�7<�16/@53�=4

1=;>/<73A�/:@3/2G�;/97<5�344=@BA�23:7D3@32�>@3A3<B/B7=<A�=<�/1BC/:�1/A3A�/<2�3F16/<532�=>7<7=<A�*63�27/:=5C3A�E3@3

E3::�@3137D32�0G�;=@3�B6/<� ��>/@B717>/<BA�E67:3�A=;3�23A1@7032�7B�/A�/�D/:C/0:3�=>>=@BC<7BG�B=�1=<B3;>:/B3�=<�E6/B

@=:3A�1=;>/<73A�A6=C:2�>:/G�7<�B63�07=27D3@A7BG�1=<A3@D/B7=<

)G;>=A7C;��*63�)B=@G�=4��7=:=5G�*=:2�0G��=;>/<73A��� />/<3A3�=<:G�

������$$������33@@BB77447711//BB77==<<����CCAA77<<33AAAA��))CC>>>>==@@BB

#)��B/93A�/�@=:3�/A��6/7@;/<�1=;>/<G�7<� ����� />/<��CA7<3AA��<7B7/B7D3�4=@��7=27D3@A7BG��E6=�4=@;C:/B32�� ���

�C723:7<3A�4=@�)CAB/7</0:3��CA7<3AA�)7B3A�����$��4=C<232�7<� ����7A�/<�=@5/<7H/B7=<�B6/B�3D/:C/B3A�/<2�13@B7473A�344=@BA

@3:/B32�B=�07=27D3@A7BG�0/A32�=<�B63�5C723:7<3�*63�A1=>3�=4�3D/:C/B7=<�1=D3@A�4@=;�?C/<B7BG�/<2�?C/:7BG�=4�5@33<�A>/13A�=4

1=;>/<73A�/<2�4/1B=@73A�B=�;/</53;3<B�/<2�3<D7@=<;3<B/:�/1B7D7B73A��G��. ��������4/17:7B73A�/@3�13@B74732�0G�B63

13@B7471/B7=<�AGAB3;��A�B63�A31@3B/@7/B���<B3@(7A9�(3A3/@16��<AB7BCB3����=<AC:B7<5�1=<B@70CB3A�B=�13@B7471/B7=<�0CA7<3AA

/<2�27AA3;7</B7=<�/1B7D7B73A

&&//@@BB771177>>//BB77==<<��77<<��))GG;;>>==AA77CC;;��==<<��++BB77::77HH//BB77==<<��==44��$$//BBCC@@//::����//>>77BB//::

#)��>/@B717>/B3A�7<�B63��@33<�(3A7:73<13�-=@97<5��@=C>�/A�/�;3;03@�=4��AA=17/B7=<�4=@�(3A7:73<13� />/<���@33<

(3A7:73<13��7A�B=�>@=;=B3�27A/AB3@�>@3D3<B7=<�/<2�@357=<�@3D7B/:7H/B7=<�B6@=C56�>@=>3@�>:/13;3<B�/<2�;/</53;3<B�=4

</BC@/:�1/>7B/:�*67A�1=<13>B�7A�AB/@B7<5�B=�/BB@/1B�/BB3<B7=<��AC16�/A�037<5�:7AB32�/A�/�93GE=@2�7<�B63��1B7=<�&:/<�4=@

$/B7=</:�(3A7:73<13� ���

-3�AC>>=@B�B63�>@=;=B7=<�=4��@33<�(3A7:73<13�B6@=C56�1=<D3<7<5�B63��@33<�(3A7:73<13�)G;>=A7C;�7<�#/G� �����/<2

/E/@27<5�/2D/<132�=@5/<7H/B7=<A�E7B6�B63��AB��@33<�(3A7:73<13��@/<2�&@7H3�7<�#/@16� ���

��A13<3�4@=;�)G;>=A7C;

ここ

Approaches to the Environment > Preservation of Biodiversity

170

�:3@B�7;/53

(713�6/@D3AB7<5�7<�/�@713�>/2273A�47::32

E7B6�E/B3@�2C@7<5�E7<B3@

��11BB77DD77BB7733AA��44==@@��&&@@33AA33@@DD//BB77==<<��==44����77==2277DD33@@AA77BBGG

*@7553@32�0G�B63�3AB/0:7A6;3<B�=4�B63�#)�����<AC@/<13��@=C>�7<� �����E3�:/C<1632�=C@�07=27D3@A7BG�1=<A3@D/B7=<

/1B7D7B73A�E7B6�/�4=1CA�=<�E3B:/<2A��>=A7B7=<7<5�B67A�/A�B63��@=C>�A�3<D7@=<;3<B/:�7<7B7/B7D3��;>:=G33A�/1@=AA�B63�1=C<B@G

/@3�3<5/532�7<�D=:C<B33@�/1B7D7B73A�7<�B67A�/@3/�-3�/@3�/:A=�3<5/532�7<�D/@7=CA�=B63@�/1B7D7B73A�/7;32�/B�>@=B31B7<5

07=27D3@A7BG��AC16�/A�@353<3@/B7<5��<2=<3A7/�A�B@=>71/:�4=@3ABA�E7B6�B637@�@716�07=27D3@A7BG��/<2�>/G7<5�/BB3<B7=<�B=

07=27D3@A7BG�4=@�B63�5@33<�A>/13A�/@=C<2�=C@�=44713�0C7:27<5A

��77==2277DD33@@AA77BBGG��&&@@33AA33@@DD//BB77==<<��00GG��))CC;;//66==����KK��<<77;;//::����::33@@BB����CC<<11BB77==<<��))33@@DD771133��00GG��));;//@@BB>>66==<<33LL

�<�1==>3@/B7=<�E7B6��<B3@(7A9�(3A3/@16��<AB7BCB3����=<AC:B7<5��#)��=443@A�/

A;/@B>6=<3�A3@D713�B6/B�1/::A�CA3@A�/BB3<B7=<�0G�/<�/C27=�/:3@B�E63<�/�1/@

/>>@=/163A�/@3/A�>@=<3�B=�/11723<BA�7<D=:D7<5�E7:2�/<7;/:A�*63�A3@D713�E/A

23D3:=>32�031/CA3�B@/4471�23/B6A��A=�1/::32�@=/297::��7A�=<3�=4�B63�@3/A=<A�4=@�B63

231:7<7<5�<C;03@�=4�3<2/<53@32�A>3173A��/<2�47<27<5�/<�34431B7D3�;3/AC@3�6/2

033<�/<�7AAC3�4=@�:=1/:�1=;;C<7B73A�/<2�B63�#7<7AB@G�=4��<D7@=<;3<B���1=::7A7=<

E7B6�/�:/@53�;/;;/:�1/<�03�/�A75<7471/<B�/CB=;=07:3�/11723<B�/<2�1/CA3�2/;/53�

E6716�B63�A3@D713�1=<B@70CB3A�B=�B63�A/43BG�=4�/CB=;=07:3�2@7D3@A�*63�A1=>3�=4

B63�A3@D713�E/A�3F>/<232�B=�;327C;�/<2�:/@53A7H32�;/;;/:A�7<1:C27<5�233@

/<2�@/11==<��/<2�B63�A3@D713�7A�=443@32�7<�A7F�>@3431BC@3A�7<�/227B7=<�B=�%97</E/�&@3431BC@3��%97</E/�(/7:�=@��@7=;=B3

-7:21/B���!/5=A67;/�&@34���;/;7�(/007B��/<2�$/5/A/97�&@34��*ACA67;/�-7:21/B��*63�A1=>3�=4�B63�B/@53B�/<7;/:A�/<2

A3@D713A�E7::�03�3F>/<232�5@/2C/::G�B=�1=D3@�E723@�/@3/A�=4� />/<

��##))��������((//;;AA//@@��))CC>>>>==@@BB33@@AA��

*63�#)�����<AC@/<13��@=C>�6/A�033<�1=<2C1B7<5�K#)����(/;A/@

)C>>=@B3@A��"743I�=<<31BI�@=;�B63�-/B3@4@=<BL�7<7B7/B7D3��E6716�7A�/

E/B3@A723�3<D7@=<;3<B/:�>@3A3@D/B7=<�7<7B7/B7D3�4=1CA32�=<�B63�(/;A/@

�=<D3<B7=<�@357AB3@32�E3B:/<2A�*63�7<7B7/B7D3��E6716�AB/@B32�7<�47A1/:� ����

6/A�<=E�3F>/<232�B=�/1B7D7B73A�/B����E3B:/<2A�/1@=AA�B63�1=C<B@G��E7B6

/0=CB�������5@=C>�3;>:=G33A�/<2�B637@�4/;7:73A�>/@B717>/B7<5��3>/@B;3<BA

/<2�0@/<163A�/@3�/:A=�/1B7D3��<�47A1/:� �����B=�>@/1B713��E7A3�CA3��E6716

7A�/2D=1/B32�0G�B63��=<D3<B7=<��E3�AB/@B32�B=�5@=E�@713�7<

��CGC;7HCB/<0=����E7<B3@�@713>/2273A��/B�%G/;/��7BG��*=16757�&@3431BC@3

E6716�7A�5==2�4=@�:7D7<5�1@3/BC@3A��;>:=G33A�/<2�B637@�4/;7:73A�>/@B717>/B32

7<�/1B7D7B73A�B=�3F>3@73<13�B63�4C<�=4�5@=E7<5�@713�/<2�B63�8=G�=4�7<B3@/1B7<5

E7B6�:7D7<5�1@3/BC@3A

#)����(/;A/@�)C>>=@B3@A�� />/<3A3�=<:G�

ここ

Approaches to the Environment > Preservation of Biodiversity

171

*@/7<7<5�=4�/5@71C:BC@/:�B316<7?C3A �2C1/B7=<�>@=5@/;

))CC>>>>==@@BB77<<55��BB6633��((335533<<33@@//BB77==<<��BB6633����==@@33AABBAA��//<<22��BB6633����@@33//BB77==<<��==44��//��))CCAABB//77<<//00::33��""==11//::����==;;;;CC<<77BB7733AA������<<22==<<33AA77//��

#)��6/A�>@=;=B32�B63�B@=>71/:�@/7<�4=@3AB�@31=D3@G�>@=831B�7<�.=5G/9/@B/��=<��<2=<3A7/�A� /D/��A:/<2

)7<13� �����7<�1==>3@/B7=<�E7B6�B63��3>/@B;3<B�=4��=@3AB@G�=4��<2=<3A7/��E3�6/D3�>:/<B32�/>>@=F7;/B3:G���������B@33A�B=

@3AB=@3�/<2�@36/07:7B/B3�E7:2:743�A/<1BC/@73A��E6716�23B3@7=@/B32�2C3�B=�7::35/:�:=557<5�0G�:=1/:�@3A723<BA�2C@7<5�B63

31=<=;71�1@7A7A�7<�B63�A31=<2�6/:4�=4�B63�����A��5@71C:BC@/:�B316<71/:�5C72/<13�B=�63:>�B63�:=1/:�@3A723<BA�5/7<�3D3<

5@3/B3@�47</<17/:�7<23>3<23<13�/A�E3::�/A�3<D7@=<;3<B/:�32C1/B7=<�4=@�B3/163@A�=4�3:3;3<B/@G�A16==:A�6/D3�033<

7;>:3;3<B32��7<�=@23@�B=�@353<3@/B3�B63�4=@3ABA�/<2�0C7:2�ACAB/7</0:3�:=1/:�1=;;C<7B73A�*63A3�344=@BA�@3137D3�6756

3D/:C/B7=<A�4@=;�B63��<2=<3A7/<�5=D3@<;3<B�-3�AB/@B32�B63�&6/A3�����>@=831B�7<��>@7:� �����/<2�E3�/@3�E=@97<5�B=

@3D7B/:7H3�@357=</:�31=<=;73A�/<2�1=<A3@D3�>@=B31B32�4=@3ABA�0G�>@=D727<5�/44=@3AB/B7=<�/<2�4=@3AB�5C72/<13�B=�:=1/:

@3A723<BA��<�%1B=03@� �����B63�A31=<2�>6/A3�1=;>:3B7=<�13@3;=<G�E/A�63:2�7<�.=5G/9/@B/�E7B6�5C3ABA�4@=;�.=5G/9/@B/

)>317/:��=D3@<=@���<2=<3A7/��7</<17/:�)3@D713A��CB6=@7BG�/<2��;0/AAG�=4� />/<�7<��<2=<3A7/��<�/227B7=<��B63�B=C@�4=@

3;>:=G33A�B6/B�035/<�7<�47A1/:� ����E7::�03�B63�B67@2�7<�47A1/:� �����/<2�0G�D7A7B7<5�B63�@353<3@/B32�4=@3ABA�/<2�3F16/<57<5

E7B6�:=1/:�3:3;3<B/@G�A16==:A�B6/B�=C@�=D3@A3/A�3<B7B73A�1=<B7<C=CA:G�AC>>=@B��E3�/@3�233>3<7<5�=C@�C<23@AB/<27<5�=4

A=17/:�1=<B@70CB7=<�344=@BA

�<2=<3A7/�(34=@3AB/B7=<�&@=831B�� />/<3A3�=<:G�

ここ

Approaches to the Environment > Preservation of Biodiversity

172

)���)

)C>3@:/B7D3�)B/53

�3@B7471/B7=<�:/03:

���$��:=5=

�:/AA@==;�:3AA=<�23:7D3@32�B=�%A/97��7BG

#7G/H/E/��:3;3<B/@G�)16==:�7<�#7G/57�&@34

**6633����@@3333<<����@@33//��//BB��BB6633��))CC@@CC55//22//77����CC77::2277<<55

*63�5@33<�/@3/�/B�B63�)C@C5/2/7��C7:27<5�031/;3�B63�47@AB�0C7:27<5�7<�2=E<B=E<�*=9G=�7<

����B6/B�E/A�13@B74732�/A�)C>3@:/B7D3�)B/53��E6716�7A�B63�67563AB�@/<9�7<��)=17/:�/<2

�<D7@=<;3<B/:��@33<��D/:C/B7=<�)GAB3;��)���)����;/</532�0G���C<2�4=@��@33<7<5�7<

�7B73A���<2�7B�6/A�=0B/7<32�;/7<B3</<13�13@B7471/B7=<�7<� ����/A�E3::��B�E/A�6756:G�@/B32�B6/B

B63�)C@C5/2/7��@33<��@3/�&*�4=@;32�7<� �����E63@3�1=<13@<32�23>/@B;3<BA�/<2�0=B6

7<B3@</:�/<2�3FB3@</:�3F>3@BA�E7B6�3F>3@B7A3�4=@�5@33<�A>/13�;/</53;3<B�1==>3@/B3��/<2�@C<A

KB63��@33<�/@3/�;/</53;3<B�AGAB3;L��<�B63�A3:31B7=<�=4�B@33A��A>317/:�1/@3�7A�57D3<�B=

16==A3�BG>3A�7<�/227B7=<�B=�B63�:=1/:�A>3173A�B6/B�07@2A�/<2�0CBB3@4:73A�>@343@�7<�1=<A723@/B7=<

4=@�07=27D3@A7BG��A�/�@3AC:B��E3�<=E�6/D3�033<�/0:3�B=�=0A3@D3�E7:2�07@2A�AC16�/A�,/@732�*7BA

/<2��:/194/132��C<B7<5A�)C@C5/2/7��C7:27<5�/<2�)C@C5/2/7�$3E��<<3F�1=::31B7D3:G�E=@9�/A

5@33<�0/A3A�B=�4=@;�K/<��1=:=571/:�$3BE=@9L�B6/B�1=<<31BA�B63��;>3@7/:�&/:/13�/<2�+3<=

&/@9�B=�3F>/<2�6/07B�@/<53A�=4�E7:2�07@2A

�<�@31=5<7B7=<�=4�B63A3�07=27D3@A7BG4@73<2:G�/1B7D7B73A��#)��)C@C5/2/7��C7:27<5�/<2�)C@C5/2/7

$3E��<<3F�=0B/7<32�KB63��CA7<3AA��<<=D/B7=<�7<��/@;=<G�E7B6�$/BC@3�/<2��=;;C<7BG

�3@B7471/B7=<L�@C<�0G�KB63��AA=17/B7=<�4=@��CA7<3AA��<<=D/B7=<�7<��/@;=<G�E7B6�$/BC@3�/<2

�=;;C<7BGL�7<��30@C/@G� �����<� �����B63G�@3137D32�B63�3F13::3<13�/E/@2��B63�67563AB�@/<9

/;=<5�=44713A�13@B74732�7<�KB63�47@AB����$��/E/@2L

�<�/227B7=<��B63�5@33<�/@3/A�B6/B�6/D3�/�673@/@1671/:�AB@C1BC@3�=4�B@33A�6/D3�03<34717/:�34431BA

=<�@3B/7<7<5�@/7<E/B3@�/<2�;7B75/B7<5�C@0/<�E/B3@�4:==2��<�/�1/:1C:/B7=<��B63�@==4�5/@23<�=<:G

7A�1/>/0:3�=4�@3B/7<7<5�����B=<A�=4�@/7<E/B3@��E6716�7A�3?C7D/:3<B�B=�/�B6@336=C@�A6=E3@

>@317>7B/B7<5�/B�����;7::7;3B3@A�>3@�6=C@�*63A3�;C:B7:/B3@/:�4C<1B7=<A�=4�B63�5@33<�/@3/A�E3@3

@31=5<7H32�/<2�/E/@232�B63�3F13::3<13�/E/@2�7<�KB63��7@AB��@33<�(3A7:73<13��E/@2�7<� ���L

�@33<�)>/13�/@=C<2�)C@C5/2/7��C7:27<5�� />/<3A3�=<:G�

��EE//@@33<<33AAAA����11BB77DD77BB7733AA��44==@@��""==11//::����==;;;;CC<<77BB7733AA��//<<22��BB6633��))==117733BBGG

�>>@=F7;/B3:G��������3;>:=G33A�E=@9�/B�B63�#)�����<AC@/<13��@=C>��<�=@23@�4=@�B63��@=C>�B=�>@=;=B3�3<D7@=<;3<B/:

/<2�A=17/:�1=<B@70CB7=<�/1B7D7B73A��E3�03:73D3�B6/B�7B�7A�<313AA/@G�B=�1=<B7<C3�7;>:3;3<B7<5�32C1/B7=</:�/1B7D7B73A�4=@�=C@

3;>:=G33A��E6=�/@3�B63�;/7<�/1B=@A�7<�B63A3�/1B7D7B73A

%%CCBB@@33//1166��>>@@==55@@//;;AA��==<<��--33BB:://<<22����77==2277DD33@@AA77BBGG

�<�=@23@�B=�>@=;=B3�32C1/B7=<�/0=CB�B63�3<D7@=<;3<B��B63�#)���

�<AC@/<13��@=C>�>@=2C132�/<�32C1/B7=</:�>@=5@/;�=<�B63�3<D7@=<;3<B�7<

�����E6716�1=;>@7A3A�A7F�A3BA�=4�D723=�;/B3@7/:A�/<2�'���+A7<5�B67A

;/B3@7/:��E3�035/<�1=<2C1B7<5�=CB@3/16�>@=5@/;A�-3�>@3>/@32�/�13::C:=72

A633B�/<2�6/<20==9�4=@�27AB@70CB7=<�B=�3/16�167:2��/A�E3::�/A�/�:743A7H3

ABC4432�;75@/B7<5�07@2�B=�3<8=G�:3/@<7<5�0G�@3/:�3F>3@73<13��<�47A1/:� ����

E3�5/D3�1:/AA@==;�:3AA=<A�7<�A3D3<�:=1/B7=<A�7<� />/<��/<2����

3:3;3<B/@G�A16==:�ABC23<BA�>/@B717>/B32�7<�B63;��=7<5�4=@E/@2��E3�E7::

1=<B7<C3�3<5/57<5�7<��=;;C<7BG��2C1/B7=<�&C0:71��E/@3<3AA����&��

/1B7D7B73A�B=�>@3A3@D3�07=27D3@A7BG�7<�B63�E3B:/<2A�/A�A3B�=CB�7<�B63�(/;A/@��=<D3<B7=<

"3BJA�:3/@<��(/;A/@�)C>>=@B3@A

ここ

Approaches to the Environment > Preservation of Biodiversity

173

=7<B�3D3<B�E7B6�B63�$/BC@3��=<A3@D/B7=<

)=173BG�=4� />/<

��==;;;;CC<<7711//BB77==<<����11BB77DD77BB7733AA��//BB������%%##��))CC@@CC55//22//77

K��%#�)C@C5/2/7L��E6716�=>3<32�7<�#/G� �� ��7A�/<�3<D7@=<;3<B/:

1=;;C<71/B7=<�A>/13�B=�27AA3;7</B3�D/@7=CA�7<4=@;/B7=<�=<�B63

3<D7@=<;3<B�/<2�</BC@3��<�B63�A>/13�E63@3�A=:72�E==2�=4�.=A67<=�67<=97

1G>@3AA�/@3�CA32�4=@�B63�E/::A��CA3@A�1/<�3<8=G�B63�5@33<�/@3/A�7<�4@=<B

E67:3�037<5�AC@@=C<232�0G�/<�7<B3@7=@�/<2�4C@<7BC@3�;/23�=4�A3:31B32

E==2A�&6=B=�3F6707B7=<A�/<2�3D3<BA�@3:/B32�B=�</BC@3�/<2�:7D7<5�1@3/BC@3A

/@3�=@5/<7H32�;=<B6:G�0/A32�=<�B63;3A�@3:/B32�B=�B63�<3/@0G�/@3/�/<2

5@33<�A>/13A

-3�/@3�/1B7D3:G�3<5/532�7<�1=::/0=@/B7<5�E7B6�+<7D3@A7B73A��=@�7<AB/<13�

)C@C5/2/7�5@33<�A>/13A�/1B�/A�@3A3/@16�/@3/A�B=�AC>>=@B�C<7D3@A7B73A

:==97<5�7<B=�07=27D3@A7BG�7<�C@0/<�/@3/A��/<2�B63�7;>/1B�=4�5@33<�A>/13A�=<

B63�;7B75/B7=<�=4�B63�63/B�7A:/<2�>63<=;3<=<

ここ

Approaches to the Environment > Preservation of Biodiversity

174

�������������� ������������������������������������������������������������

�������� ������������

������������������������������������������� ��������� �

�����$����!�� ������$����� �������!���������������!�����

��!�������������������� ���������������� ���������������

���� ����������� ������������!���������������

���� ���������������������������!����������������

���� ����������� ���� ����� �����������������������!���

� �������

������� ����������������������������������� ������

���������������������������� ������������������������������������������������������������ ���� ����

������������ ������������

����������������������������������$��������������

� ������������$����������� ������ ����������������������

�����������"����������"������"��������������������

������������������������������"�����������������

� �����������"����������� �������!���������������� �����

���������� ���������������������$�������#�������"�

����������������������� ������������� �� �������������

�� ������������������"��� �������� ��!���������

�������������� ������������������������������ �� ��

������ ������

ここ

Approaches to Local and International Communities

175

**HH??44BB��>>55��3388BB00BBCC44AA��22>>EE44AA4433 �><4BC82��38B0BC4AB�2>E4A43�1H�C74��8B0BC4A�(4;845��2C�5>A�F7827

3>=0C8>=B�0A4�2>;;42C43

&E4AB40B��;0A64B20;4�38B0BC4AB�5>A�F7827�C74�!0?0=��DB8=4BB

�434A0C8>=�?A>E834B�8=5>A<0C8>=�A4;0C43�C>��BB8BC0=24

��<<>>DD==CC��>>55��33>>==00CC88>>== �B�0�64=4A0;�AD;4�C74�B0<4�0B�C74�0<>D=C�>5�3>=0C8>=B�2>;;42C43�5A><

4<?;>H44B�

*74�$)���� =BDA0=24��A>D?�0B�0�<4<14A�>5�;>20;�0=3�8=C4A=0C8>=0;�2><<D=8C84B�8B�8=E>;E43�8=�0�BDBC08=01;4

34E4;>?<4=C�>5�B>284CH�1H�5>A�4G0<?;4�4<?;>H44B��E>;D=C0A8;H�2>=3D2C8=6�02C8E8C84B�C>�2>=B4AE4�C74�4=E8A>=<4=C�0=3

2>=CA81DC4�C>�;>20;�2><<D=8C84B�8=�0338C8>=�C>�02C8E8C84B�14=458C8=6�2><<D=8C84B�C7A>D67�>DA�8=BDA0=24�0=3�58=0=280;

B4AE824�1DB8=4BB�

��88BB00BBCC44AA����>>==00CC88>>==��$$00CC227788==66����8855CC��''AA>>66AA00<<

*74�$)���� =BDA0=24��A>D?�70B�144=�4=6068=6�8=��8B0BC4A��>=0C8>=�$0C278=6��85C�'A>6A0<�8=�F7827�C74��A>D?�?A>E834B

38B0BC4A�E82C8<B�F8C7�3>=0C8>=B�8=�0338C8>=�C>�C7>B4�5A><�4<?;>H44B�� =�C74�0??A>G8<0C4;H����H40AB�B8=24�C74�BC0AC�>5�C78B

?A>6A0<�8=�58B20;�� ��F4�70E4�3>=0C43�0�C>C0;�>5�<>A4�C70=�� �<8;;8>=�H4=�

=�58B20;�� ���0�2D<D;0C8E4�C>C0;�>5��� � �4<?;>H44B�60E4�3>=0C8>=B�5>A�5>DA�38B0BC4AB�F7827�2>D?;43�F8C7�0�<0C278=6

685C�5A><�C74��A>D?�A4BD;C43�8=�3>=0C8>=B�C>C0;8=6�������<8;;8>=�H4=�148=6�?A>E8343�C>�38B0BC4A�E82C8<B��*74B4�3>=0C8>=B

8=2;D343����� �<8;;8>=�H4=�2><?A8B8=6�3>=0C8>=B�5A><��� ��4<?;>H44B�0=3�C74�<0C278=6�685C�5A><�C74��A>D?�F7827�F0B

68E4=�C>�C74�"D<0<>C>�'A4542CDA0;��>E4A=<4=C�C74�&8C0�'A4542CDA0;��>E4A=<4=C�0=3�6A>D?B�4=60643�8=�02C8E8C84B�C>

0BB8BC�38B0BC4A�E82C8<B�8=�A4B?>=B4�C>�C74�� ���"D<0<>C>�40AC7@D0:4B�� =�0338C8>=�F4�2>;;42C43�3>=0C8>=B�>5�01>DC��

<8;;8>=�H4=�5A><�>DA�>E4AB40B�1A0=274B�?A>E838=6�BD??>AC�>=�0�6;>10;�B20;4�

'0BC��>=0C8>=B

��>>==CC88==DD4433��))DD????>>AACC��55>>AA��CC7744����AA4400BB����88CC��11HH��CC7744����AA4400CC����00BBCC��!!00??00==����00AACC77@@DD00::44

)8G�H40AB�70E4�?0BB43�B8=24�C74��A40C��0BC�!0?0=��0AC7@D0:4�0=3�C74A4�0A4�BC8;;�B>�<0=H�?4>?;4�8=�C74�055;82C43�0A40B

C70C�0A4�8=�=443�>5�BD??>AC�0=3�0BB8BC0=24��-8C7�C78B�8=�<8=3�C74�$)���� =BDA0=24��A>D?�8B�2><<8CC43�C>�?A>E838=6

2>=C8=D43�BD??>AC�C7A>D67�0�E0A84CH�>5�0??A>0274B�

((4422>>==BBCCAADD22CC88>>==��00==33��5500AA<<88==66��00BBBB88BBCC00==2244��EE>>;;DD==CC4444AA��0022CC88EE88CC8844BB��88==��$$88==00<<88BB00==AA88::DD2277>>

=�� ���F4�A4BC>A43�CBD=0<830<0643�A824�?03384B�8=�$8=0<8B0=A8:D27>�8=�$8H068�'A4542CDA4�C>��5DHD<8IDC0=1>��0

C7A8E8=6�7018C0C�5>A�0�F834�E0A84CH�>5�2A40CDA4B���DA8=6�C74�4=BD8=6�C7A44H40A�?4A8>3�2D<D;0C8E4;H�C>C0;8=6�0??A>G���� �C74

$)���� =BDA0=24��A>D?�4<?;>H44B�0=3�C748A�50<8;H�<4<14AB�?A>E8343�2>>?4A0C8>=�5>A�;>20;�A824�?;0=C8=6�0=3�70AE4BC8=6�

�DA8=6�C74�� ��� ���?4A8>3�2D<D;0C8E4;H����6A>D?�4<?;>H44B�2>>?4A0C43�8=�C74�2D;C8E0C8>=�>5�!0?0=4B4�0=64;820�0

A4=>F=43�;>20;�<43828=0;�?;0=C��-4�2>=C8=D4�C>�E8B8C�$8=0<8B0=A8:D27>�C>�8=C4A02C�F8C7�;>20;�28C8I4=B�8=�0338C8>=�C>�0838=6

C748A�50A<8=6�

ここ

Approaches to Local and International Communities > Contribution to Local and International Communities

176

)>224A�)27>>;

)D??>AC8=6�B27>>;B�8=�C74�38B0BC4A�0A40B

1H�3>=0C8=6��4;;�$0A:B

))>>222244AA��))2277>>>>;;��&&AA6600==88II4433��11HH��!!��##440066DD44AA��88==��$$88==00<<88BB00==AA88::DD2277>>

)8=24�58B20;�� ���C74�$)���� =BDA0=24��A>D?�70B�B?>=B>A43�0�B>224A

B27>>;�>A60=8I43�1H�C74�!0?0=�'A>�>>C10;;4AB��BB>280C8>=�8=

$8=0<8B0=A8:D27>��)D27�0B�C74�2><?4C8C8>=�>5�1>HB�0=3�68A;B��B>224A�C40<

0=3�!�;406D4A�8C�8B�0�5D=�B>280;�4E4=C�

=�58B20;�� ���� �278;3A4=�?0AC828?0C43�0=3���?4>?;4�5A><�C74�!0?0=�'A>

�>>C10;;4AB��BB>280C8>=�0=3�� �4<?;>H44�E>;D=C44AB�2>>?4A0C43�8=�AD==8=6

C74�4E4=C�

))DD????>>AACC88==66��))2277>>>>;;BB��88==��CC7744����88BB00BBCC44AA����AA4400BB��11HH����>>==00CC88==66����44;;;;��$$00AA::BB

�� �BC0AC43�0=�02C8E8CH�C>�3>=0C4�2>;;42C43��4;;�$0A:B�C>�;>20;�4;4<4=C0AH

0=3�9D=8>A�7867�B27>>;B�F8C7��4;;�$0A:�2>;;42C8>=�1>G4B�B4C�D?�8=�C74

�><?0=H�8=�!0=D0AH�� �����5C4A�C74��A40C��0BC�!0?0=��0AC7@D0:4�C74

34BC8=0C8>=�>5�3>=0C8>=B�F0B�270=643�C>�4;4<4=C0AH�0=3�9D=8>A�7867�B27>>;B

8=�C74�38B0BC4A�0A40B�0B�?0AC�>5�>DA�<40BDA4B�5>A�A42>=BCAD2C8>=�083��*74

02C8E8CH�70B�144=�03E0=243�C>64C74A�F8C7�C74�;>20;�28C8I4=B�8=2;D38=6

2DBC><4AB�064=CB�0=3�20=E0BB4AB��*74�=D<14A�>5�2><?0=84B�0=3

>A60=8I0C8>=B�C70C�06A44�F8C7�C74�02C8E8CH���4;;�$0A:�BD??>AC4A��70B

8=2A40B43�H40A�1H�H40A�4G24438=6��� �0B�>5�C74�4=3�>5�$0A27�� �����B�0

A4BD;C��4;;�$0A:B�4@D8E0;4=C�C>�0??A>G8<0C4;H���� �?>8=CB�F4A4

2>;;42C43�>E4A�B8G�H40AB�0=3�3>=0C43�C>�����B27>>;B�8=�C>C0;��*74�02C8E8CH

F8;;�2>=C8=D4�8=�58B20;�� ���C>�BD??>AC�B27>>;B�8=�C74�38B0BC4A�0A40B�BD27�0B

*>7>:D�0=3�"D<0<>C>�0A40�

ここ

Approaches to Local and International Communities > Contribution to Local and International Communities

177

)0;4B�4E4=C�8=�?A>6A4BB

��BBBB88BBCC00==2244��CC>>��3388BB00BBCC44AA0055554422CC4433��22>><<??00==8844BB��CC77AA>>DD6677��;;>>2200;;��22>><<<<DD==88CCHH��AA4422>>==BBCCAADD22CC88>>==��<<00CC227788==66��44EE44==CC��..DD88==>>1100����00==33��AA44BBCC>>AA00CC88>>==��008833��BB00;;44BB��44EE44==CCBB

=�0=�455>AC�C>�74;?�A4B>;E4�E0A8>DB�1DB8=4BB�270;;4=64B�50243�1H�38B0BC4A05542C43�2><?0=84B�$) �70B�2>=C8=D0;;H

?0AC828?0C43�8=�0�(42>=BCAD2C8>=��64=2HB?>=B>A43�;>20;�2><<D=8CH�A42>=BCAD2C8>=�<0C278=6�4E4=C�C8C;43�K.D8=>10L�0B�0

?0AC=4A�2><?0=H�>=����>220B8>=B�B8=24�C74�� ���;0D=27��-4�70E4�144=�4=60643�8=�<0=064<4=C�B4<8=0AB�0=3�BD??>AC�5>A

8=38E83D0;�2><?0=84B�4C2��8=�<0=H�0A40B�

�8B20;�� ���F0B�H4C�0=>C74A�H40A�8=�F7827�0B�?0AC�>5�C74�.D8=>10�8=8C80C8E4�F4�74;3�0=�8=C4A=0;�B0;4B�4E4=C�C8C;43

K(42>=BCAD2C8>=��BB8BC0=24�$0A274L�B4;;8=6�38B0BC4A05542C43�2><?0=84BJ�?A>3D2CB�0C�C74�)DAD60308�7403@D0AC4AB

1D8;38=6�>5�$) ��*78B�4E4=C�F0B�8=C4=343�C>�74;?�4G?0=3�B0;4B�270==4;B�>5�58B74AH�0=3�?A>24BB43�5>>3�?A>3D2CB�5A><

2><?0=84B�10B43�8=�C7A44�38B0BC4A05542C43�?A4542CDA4B�F7827�F0B�C74�18664BC�270;;4=64�5>A�BD27�4=C4A?A8B4B��*74�;0C4BC

B0;4B�4E4=C�64=4A0C43�B0;4B�>5�01>DC�����<8;;8>=�H4=�C74�78674BC�0<>D=C�0<>=6�B4BB8>=B�74;3�C>�30C4�8=2;D38=6�C7A44

?A4E8>DB�>=4B�F7827�?>8=C43�C>�C74�502C�C70C�0;;�4<?;>H44B�2>=C8=D43�C>�4=6064�8=�0BB8BC0=24�02C8E8C84B�0B�>=4�C40<�F8C7

0�7867�0F0A4=4BB�01>DC�C74�A42>=BCAD2C8>=�083�8=8C80C8E4�

=�!D=4�� ����� �?0AC828?0C43�8=�0�"D<0<>C>�?A>3D2CB�508A�5>A�C74�?DA?>B4

>5�2>>?4A0C8=6�8=�1>>BC8=6�B0;4B�>5�C74�?A4542CDA4JB�;>20;�B>DE4=8A�0=3

>C74A�?A>3D2CB�F7827�703�3A>??43�B70A?;H�3D4�C>�0�A43D243�=D<14A�>5

C>DA8BCB�8=�C74�F0:4�>5�C74�"D<0<>C>�40AC7@D0:4B��-4�DB43�B><4�>5�C74

B0;4B�?A>2443B�C>�3>=0C4�<8=4A0;�F0C4A�C>�C74�A4B834=CB�>5�C74�)0F0CBD

0A40�F74A4�A4BD<?C8>=�>5�C74�F0C4A�BD??;H�F0B�B;>F�8=�$8=0<80B><DA0

"D<0<>C>�'A4542CDA4��$40=F78;4�8=�$0A27�� ���F4�>A60=8I43�C74�0==D0;

*>7>:D�A42>=BCAD2C8>=�0BB8BC0=24�B0;4B�4E4=C�74;3�4E4AH�H40A�B8=24�58B20;

� ����*78B�C8<4�8C�F0B�>A60=8I43�9>8=C;H�F8C7�C7A44�2><?0=84B

7403@D0AC4A43�8=�C74��18BD�0A40��)781DH0:D�*>:H>��=0<4;H��� �)0??>A>

�>;38=6B�#8<8C43�0=3�)+��(+��>A?>A0C8>=��*74�08<�F0B�C>�?A>E834�0=

>??>ACD=8CH�C>�34<>=BCA0C4�C74�0??40;�>5�C74�38B0BC4A05542C43�0A40B�0=3

C748A�;>20;�?A>3D2CB���<>=6�?A>3D2CB�>554A43�5>A�B0;4�>=�C74�30H�F4A4�270A8CH�20=�10364B�<034�1H�C74�BCD34=CB�>5

)78ID60F0��867�)27>>;�8=�$8H068�'A4542CDA4�5>A�C74�?DA?>B4�>5�685C8=6�0�1DB�C>�$8=0<8B0=A8:D27>�$8H068�0=3�F4

3>=0C43�B><4�>5�C74�B0;4B�?A>2443B�

ここ

Approaches to Local and International Communities > Contribution to Local and International Communities

178

$DB82�?4A5>A<0=24�8=�?A>6A4BB

1H�$8H068�'A4542CDA4�7867�B27>>;�BCD34=CB

L)42>=3�"0F0D278B0C>�"04AD�$0A0C7>=L

��44;;33��00��AA4422>>==BBCCAADD22CC88>>==��00BBBB88BBCC00==2244��227700AA88CCHH��22>>==2244AACC

=��D6DBC�� ����� �74;3�0�270A8CH�2>=24AC�0C�C74�'7>4=8G��0;;����1H

8=E8C8=6�7867�B27>>;�BCD34=CB�8=�38B0BC4A�0A40B�0B�F4;;�0B�)>08�+=8E4AB8CH

<4<14AB�F7>�703�144=�2>=C8=D8=6�C>�4=6064�8=�38B0BC4A�0A40�0BB8BC0=24

02C8E8C84B�8=�&B0:0�

)8=24�05C4A�C74��A40C��0BC�!0?0=��0AC7@D0:4�>22DAA43�C78B�2><?0=H�70B

144=�?A>E838=6�E0A8>DB�CH?4B�>5�0BB8BC0=24�5>A�A4BC>A8=6�C74�43D20C8>=0;

4=E8A>=<4=C�5>A�278;3A4=�8=�38B0BC4A�0A40B���B�?0AC�>5�BD27�0BB8BC0=24�C74

2><?0=H�70B�144=�3>=0C8=6�C74�2>BC�>5�1DH8=6�<DB820;�8=BCAD<4=CB�C>�278;3A4=�F7>�703�;>BC�C748A�<DB820;�8=BCAD<4=CB�3D4

C>�C74�38B0BC4A�148=6�34=843�C74�>??>ACD=8CH�C>�?;0H�<DB82���74A8B78=6�C74�1>=38=6�F8C7�38B0BC4A�0A40�A4B834=CB�C7A>D67

<DB82�F4�>A60=8I43�C74�;0C4BC�270A8CH�2>=24AC�8=�C74�7>?4�C70C�<DB82�F>D;3�;403�278;3A4=�C>�70E4�0B?8A0C8>=B�0=3�2>DA064

5>A�C74�5DCDA4��-4�3>=0C43�C>�C74�*>7>:D��A0BB�$DB82��BB>280C8>=�0;;�3>=0C8>=B�34?>B8C43�F8C7�C74�2><?0=H�1H�E8B8C>AB�C>

C74�270A8CH�2>=24AC�8=�C74�5>A<�>5�03<8BB8>=�544B�

����*74�'7>4=8G��0;;�>5���

))DD????>>AACC88==66��00��$$00AA00CC77>>==����EE44==CC����44;;33��88==��""00FF00DD227788��,,88;;;;006644����DD::DDBB7788<<00��''AA44554422CCDDAA44��!!00??00==

+=34A�C74�$)����+=8B>=�)<8;4��;D1�0�4G42DC8E4B0=34<?;>H44B�

3>=0C8>=�B274<4�>5�>55824AB�0=3�4<?;>H44B��� �2>B?>=B>A43�0B�C74

<08=�B?>=B>A�B4@D4=C80;;H�;0BC�H40A�C74�)42>=3�"0F0D278=>�)0C>�"04AD

$0A0C7>=�4E4=C�74;3�8=�"0F0D278<DA0��D:DB78<0�'A4542CDA4��*78B�4E4=C

703�<0C4A80;8I43�3D4�C>�0�?A>?>B0;�<034�1H�278;3A4=�8=�"0F0D278<DA0�0C

0�B?4280;�2;0BB�B4BB8>=�C8C;43�K(42>=BCAD2C8>=��78;3A4=��;0BBL�5>A

2>=B834A8=6�C74�0A40JB�5DCDA4��*74�B42>=3�8=BC0;;<4=C�>5�C78B�4E4=C�3A4F

�����AD==4AB�5A><�02A>BB�C74�2>D=CAH�5A><��>::083>�C>�&:8=0F0�01>DC

� �<>A4�C70=�8=�C74�?A4E8>DB�8=BC0;;<4=C�

=�0338C8>=�C>��� �B4AE8=6�0B�B?>=B>A�<0=H�>5�8CB�4<?;>H44B�0=3�>C74AB

C>>:�?0AC�8=�C74�4E4=C�0B�E>;D=C44A�AD==4AB�74;?8=6�8<?A>E4�C74

0C<>B?74A4�>5�C74�4E4=C�

ここ

Approaches to Local and International Communities > Contribution to Local and International Communities

179

)>224A�B27>>;

))>>222244AA��))2277>>>>;;��&&AA6600==88II4433��11HH��!!��##440066DD44AA��55>>AA����7788;;33AA44==��88==����>>BBCC44AA��77>><<44

)8=24�� �C74�$)���� =BDA0=24��A>D?�70B�B?>=B>A43�0�B>224A�B27>>;

>A60=8I43�1H�C74�!0?0=�'A>�>>C10;;4AB��BB>280C8>=�5>A�278;3A4=�8=�5>BC4A

7><4�� =�58B20;�� ���C74�!'���)>224A�)27>>;�4E4=C�F0B�74;3�8=�C74�"0=C>

"0=B08��8A>B78<0�0=3�"HDB7D�0A40B�F8C7�C74�0CC4=30=24�>5�����278;3A4=�

�>A�C74�>?4A0C8>=�>5�C78B�4E4=C�2>>?4A0C8>=�F0B�?A>E8343�1H����<4<14AB

>5�C74�!0?0=�'A>�>>C10;;4AB��BB>280C8>=�0B�F4;;�0B�� ��4<?;>H44

E>;D=C44AB�

))DD????>>AACC����22CC88EE88CC8844BB��>>55��))>>228800;;����>>==CCAA8811DDCC88>>==��11HH����<<??;;>>HH4444BB

,0A8>DB�02C8E8C84B�0A4�D=34AF0H�B8=24�F4�14;84E4�C70C�4027�8=38E83D0;�4<?;>H44�C0:8=6�02C8>=�0B�0�28C8I4=�8=�C74�;>20;

2><<D=8CH�F8;;�=>C�>=;H�;403�C74<�C>�6A>F�1DC�0;B>�14�8<?>AC0=C�5>A�C74�?DA?>B4�>5�:=>F8=6�F70C�270;;4=64B�0A4�50243�1H

C74�2><<D=8CH�C70C�>DA�1DB8=4BB�02C8E8C84B�8=E>;E4�0B�F4;;�0B�F70C�8B�4G?42C43�>5�DB�

))HHBBCC44<<��>>55��,,>>;;DD==CC4444AA��##4400EE44��**44<<??>>AA00AAHH��((44CC88AA44<<44==CC

$) ��� �0=3�$) ��8>8�#854�70E4�8=BC8CDC43�C74�BHBC4<�>5�,>;D=C44A�;40E4�C4<?>A0AH�A4B86=0C8>=�0=3�BD??>ACB�4<?;>H44B

C>�?0AC828?0C4�8=�C74�B>280;�B4AE824�02C8E8C84B�BD27�0B�F4;50A4�02C8E8CH�38B0BC4AA4;845�02C8E8CH�0=3�1>=4<0AA>F�3>=0C8>=�

ここ

Approaches to Local and International Communities > Contribution to Local and International Communities

180

�2C8E8C84B�8=�C74�K$)�����>A4BCL�8=�)78<0=4

*A05582�B054CH�02C8E8C84B�8=��0<0<0CBD

$08=C4=0=24�5;>F4A143B�0=3�6A44=�B?024B

0C��/>>A0B80�.>:>70<0�/>>;>6820;��0A34=B�

##>>2200;;����>>==CCAA8811DDCC88>>==����22CC88EE88CC8844BB����>>==33DD22CC4433��%%00CC88>>==FF883344

�A0=274B�>5�$) �0=3��� �0;;�>E4A�C74�=0C8>=�02C8E4;H�2>=3D2C43�02C8E8C84B

C>�2>=B4AE4�C74�6;>10;�4=E8A>=<4=C�0=3�2>=CA81DC4�C>�B>284CH�022>A38=6�C>

=443B�>5�4027�2><<D=8CH�

�C�$) �F7827�4=2>DA064B�1A0=274B�C>�?4A5>A<�0C�;40BC�>=4�4=E8A>=<4=C0;

>A�B>280;�2>=CA81DC8>=�02C8E8CH�0�H40A�����1A0=274B�2>=3D2C43����

02C8E8C84B�F8C7�C74�C74<4B�>5���=E8A>=<4=C���)054CH���-4;50A4��>A

�)D??>AC�5>A�A42>=BCAD2C8>=�5A><�=0CDA0;�38B0BC4AB��8=�58B20;�� ���

�C��� �0B�0�?0AC�>5�02C8E8C84B�A4;0C43�C>���??A4280C8>=�$>=C7��*70=:�H>D

;>20;�28C8I4=B����0??A>G8<0C4;H���� �4<?;>H44B�=0C8>=F834�2>=3D2C43

����02C8E8C84B�F8C7�C74�C74<4B�>5�CA05582�B054CH�4=E8A>=<4=C0;�2>=B4AE0C8>=

0=3�>C74A�C>?82B�C>�2>=E4H�C748A�6A0C8CD34�C>�4027�2><<D=8CH�� =

?0AC82D;0A�C74H�70E4�?A>02C8E4;H�F>A:43�>=�02C8E8C84B�5>A�CA05582�B054CH

C>64C74A�F8C7�;>20;�28C8I4=B�0=3�?>;824�>55824B�08<8=6�C>�?A4E4=C�0=3

A43D24�022834=CB�

$) ��8>8�#854�2>=3D2CB�4=E8A>=<4=C0;�?A>C42C8>=�0=3�;>20;�2>=CA81DC8>=

02C8E8C84B�C7A>D67�4<?;>H44�E>;D=C44A�02C8E8C84B���>A�4G0<?;4�C74H

<08=C08=�5;>F4A143B�0=3�6A44=�B?024B�0C��/>>A0B80�.>:>70<0�/>>;>6820;

�0A34=B���DAC74A<>A4���40AC�'>8=C�)HBC4<��70B�144=�8<?;4<4=C43

F74A4�?>8=CB�0A4�6A0=C43�C>�4<?;>H44B�F7>�2>=3D2C�E>;D=C0AH�0=3�02C8E4

B>280;�2>=CA81DC8>=�02C8E8C84B�0=3�2>=CA81DC8>=B�0A4�<034�C>�%'&B�4C2�

022>A38=6�C>�C74�C>C0;�=D<14A�>5�?>8=CB��-4�70E4�0;B>�20AA843�>DC�E0A8>DB

;>20;�2><<D=8CH�2>=CA81DC8>=�02C8E8C84B�F8C7�0�?A><>C4A�0??>8=C43�5>A�4027

F>A:?;024�5>A�4G0<?;4��2><<D=8CH�2;40=D?�20<?086=��0=3��5D=3

A08B8=6�3>=0C8>=��

�027�H40A�E>;D=C44AB�5A><�$8CBD8��8A42C��4=4A0;�2>=3D2C�2;40=8=6�8=

">8B78:0F0�">A0:D4=�?0A:�;H8=6�8=�C74�E828=8CH�>5�8CB�7403@D0AC4AB�1D8;38=6�

�85CH5>DA�4<?;>H44�E>;D=C44AB�?0AC828?0C43�8=�C74�2;40=8=6�4E4=C�8=�� ���

%0C8>=F834��55>ACB�$034�1H�$) ��!0?0=4B4�>=;H�

�55>ACB�$034�1H��� ��!0?0=4B4�>=;H�

ここ

Approaches to Local and International Communities > Contribution to Local and International Communities

181

K�85C�"=8CC43� C4<B�C>��78;3A4=

�A>D=3�C74�->A;3L�'A>942C

�70A8CH��7A8BC<0B��0A3B

�??40A0=24�>5�C74�F>A:�?;024

-><4=�0C�F>A:

��22CC88EE88CC8844BB��>>55��))>>228800;;����>>==CCAA8811DDCC88>>==��11HH����<<??;;>>HH4444BB

=�C74�$)���� =BDA0=24��A>D?�4<?;>H44B�0A4�?0AC828?0C8=6�8=�02C8E8C84B�5>A�B>;E8=6�B>280;�8BBD4B�>5�4027�A468>=�0C�C74

B8C4B�=>C�>=;H�8=�!0?0=�1DC�0;B>�0;;�>E4A�C74�F>A;3�

$$))��������++==88BB>>==��))<<88;;44����;;DD11

�C�C74�$)���� =BDA0=24��A>D?�4<?;>H44B�3>=0C4�� �H4=�0?8424

<>=C7;H�C>F0A3�>=4�>A�<>A4�8=8C80C8E4B�C70C�C74H�BD??>AC��*74�<>=4H�6>4B

C>�%'&B�>A�B>280;�2>=CA81DC8>=�?A>6A0<B���B�>5�C74�4=3�>5�$0A27�� ��

C74A4�F4A4�0�C>C0;�>5�������?0AC828?0=CB�5A><�C74�4=C8A4��A>D?�

=�0338C8>=�C>�6A>D?F834�02C8E8C84B�8=38E83D0;�6A>D?�2><?0=84B�70E4�144=

4=6068=6�8=�8=34?4=34=C�02C8E8C84B�BD27�0B�C74�3>=0C8>=�>5�F744;2708AB�0=3

F4;50A4�E4782;4B�3>=0C8>=�C>�6D834�3>6�34E4;>?<4=C�083�>A60=8I0C8>=B�0=3

0BB8BC0=24�5>A�38B018;8CH�B?>ACB�8=�*708;0=3�

�$08=�02C8E8C84B�>5�C74��A>D?�

M�>=0C8>=�C>�%'&B�<0C2743�1H�C74�2><?0=H

M)D??>AC�?A>6A0<�>5�F>A;3JB�278;3A4=�8=�CA>D1;43�0A40���BD554A43�0A40�>5

C74�38B0BC4AB�C7A>D67�270A8CH��7A8BC<0B�20A3B

M#4CJB�?A4B4=C�:=8CC43�6>>3B�C>�278;3A4=�0A>D=3�C74�F>A;3�'A>942C

��$)����+=8B>=�)<8;4��;D1���2C8E8C84B

&&EE44AABB4400BB����22CC88EE88CC8844BB

*74�4<?;>H44B�>5�C74�$)���� =BDA0=24��A>D?�0A4�?0AC828?0C8=6�8=�02C8E8C84B�C>�B>;E4�;>20;�2><<D=8C84BJ�B>280;�8BBD4B

1>C7�8=�!0?0=�0=3�>E4AB40B�

��AA4400CC88==66����<<??;;>>HH<<44==CC��&&????>>AACCDD==88CC8844BB��88==��((DDAA00;;����AA4400BB���� ==338800��

�7>;0<0=30;0<�$)��4=4A0;� =BDA0=24��><?0=H�#8<8C43�0�$) �BD1B8380AH

8=� =380�2>=CA02CB�>DC�0�?>;82H�24AC85820C4�8BBD0=24�B4AE824�C>�9>12A40C8=6

0BB>280C8>=�8=�ADA0;�0A40B�F8C7�C74�08<�>5�74;?8=6�2A40C4�9>1B�C70C�>554A

;8<8C43�9>1�>??>ACD=8C84B�>C74A�C70=�8=�06A82D;CDA4���>=C8=D>DB;H�?A>E838=6

CA08=8=6�>=�<0CC4AB�5A><�8=BDA0=24�?A>3D2CB�C>�C427=820;�C4A<B�C74

0BB>280C8>=�34;8E4AB�0�?>;82H�24AC85820C4�8BBD0=24�B4AE824�5>A�20A�8=BDA0=24

0=3�?4AB>=0;�<43820;�8=BDA0=24�

�7>;0<0=30;0<�$)��4=4A0;� =BDA0=24�F41B8C4

ここ

Approaches to Local and International Communities > Contribution to Local and International Communities

182

'A>E838=6�,0228=4B�5>A�C74��78;3A4=�>5�C74�->A;3

�2C8E8CH�8=�?A>6A4BB

�BB8BC0=24�5>A�B?>ACB�1H�?4AB>=B

F8C7�38B018;8C84B�8=�*708;0=3

''AA>>EE883388==66��,,00222288==44BB��55>>AA��CC7744����7788;;33AA44==��>>55��CC7744��-->>AA;;33��CC77AA>>DD6677�� ==BBDDAA00==2244��??AA>>33DD22CCBB

$0=H�278;3A4=�0A>D=3�C74�F>A;3�384�>5�8=542C8>DB�38B40B4B�C70C�2>D;3�14

?A4E4=C43�F8C7�E0228=4B��$) ��8>8�#854�F8C7�C74�08<�>5�B0E8=6�?A428>DB

;8E4B�0=3�68E8=6�;854�C>�5DCDA4�64=4A0C8>=B�<0:4B�3>=0C8>=B�5>A

?DA270B8=6�E0228=4B�C>�!0?0=��><<8CC44�,0228=4B�5>A�C74�->A;3JB

�78;3A4=�8=�?A>?>AC8>=�C>�C74�=D<14A�>5�=4F�2>=CA02CB�5>A�8CB�K�# ��L

1A0=3�?>;82H�B4A84B�� =�58B20;�� ���8=�?A>?>AC8>=�C>�=4F�2>=CA02CB�5>A

C74B4�?>;8284B�F4�3>=0C43�5D=3B�C70C�?A>E8343�?>;8>�E0228=4B�5>A

��� �?4AB>=B�

-41B8C4�>5�!0?0=��><<8CC44�,0228=4B�5>A�C74�->A;3�B��78;3A4=

�!0?0=4B4�>=;H�

''DDAABBDD88==66��445555>>AACCBB��CC>>��AA4433DD2244��55>>>>33��FF00BBCC44��99>>88==CC;;HH��FF88CC77������������$$00;;00HHBB8800��

=�2>>?4A0C8>=�F8C7��>>3��83��>D=30C8>=�������0=�0BB>280C8>=�4=60643�8=

02C8E8C84B�08<43�0C�4A03820C8=6�5>>3�F0BC4�0=3�7D=64A�C74�$0;0HB80=

BD1B8380AH�>5�$) �70B�144=�?DABD8=6�02C8E8C84B�C>�?A>E834�?4>?;4�8=�=443�>5

5>>3�F7827�F4A4�2>;;42C43�C7A>D67�3>=0C8>=B�5A><�5>>3�?A>3D24A

2><?0=84B��*78B�BD1B8380AH�70B�144=�BCA8E8=6�C>�38BB4<8=0C4�:=>F;4364�>=

A43D28=6�C74�38B20A38=6�>5�5>>3B�� =�&2C>14A�� ���C74�2><?0=H�>A60=8I43

0�A>D=3C01;4�38B2DBB8>=�4E4=C�>=�5>>3�38B20A38=6�D=34A�8CB��)(

?A><>C8>=�?A>6A0<�A08B8=6�?D1;82�0F0A4=4BB�01>DC�C74�=443�C>�A43D24

BD27�?A02C824�

��BBBB88BBCC00==2244��55>>AA��227788;;33AA44==��FF88CC77��3388BB001188;;88CC8844BB����**770088;;00==33��

�8>8��0=6:>:�0�*708�BD1B8380AH�>5��� �2>B?>=B>A43�0�F744;2708A�B?>ACB

20<?�4E4=C�5>A�278;3A4=�F8C7�38B018;8C84B�8=�*708;0=3�0=3�3>=0C43

F744;2708AB��F>AC7���<8;;8>=�H4=�8=�C>C0;��C>�� �BD27�278;3A4=�C7A>D67�C74

-744;2708A�0=3��A84=3B78?��4=C4A�>5��B80��*708;0=3���-����*�����D=34A

C74�$)����+=8B>=�)<8;4��;D1�B274<4�0�E>;D=C0AH�3>=0C8>=�?A>6A0<�5>A

38A42C>AB�0=3�4<?;>H44B��*74H�0;B>�2>>?4A0C43�8=�C74�B?>ACB�20<?�5>A

278;3A4=�F8C7�38B018;8C84B�B4AE8=6�0B�>?4A0C8>=�E>;D=C44AB�

�����1>DC�-����*

-����*�8B�0�*708�=>=?A>58C�>A60=8I0C8>=�4BC01;8B743�8=������0B�?0AC�>5�C74�B>280;

2>=CA81DC8>=�?A>6A0<�>5��4=B>��>A?>A0C8>=��*74�>A60=8I0C8>=�?A>E834B�F744;2708AB�0=3

B27>;0AB78?�0<>=6�>C74A�43D20C8>=0;�083�C>�278;3A4=�F8C7�38B018;8C84B�8=�C74�2>D=CAH�

�8>8��0=6:>:� =BDA0=24�'D1;82��><?0=H�#8<8C43�-41B8C4��*708��=6;8B7�0=3�!0?0=4B4�>=;H�

ここ

Approaches to Local and International Communities > Contribution to Local and International Communities

183

'A4B4=C0C8>=�24A4<>=H

�78;3A4=�>=�C74�4G2DAB8>=�C>�C74�I>>

��>>==00CC88>>==��>>55����00==33<<003344��""==88CCFF4400AA��CC>>��''>>>>AA����7788;;33AA44==����,,8844CC==00<<��

$)����+=8B>=�)<8;4��;D1�C74�?78;0=C7A>?82�>A60=8I0C8>=�>5�4<?;>H44B�>5

C74�$)���� =BDA0=24��A>D?�3>=0C4B�70=3<034�:=8CF40A�C>�4;4<4=C0AH

B27>>;B�C7A>D67�$) �� =BDA0=24��,84C=0<���><?0=H�#8<8C43�C74

,84C=0<4B4�BD1B8380AH�>5�$) �� C�34;8E4A43�70=3<034�:=8CF40A��BF40C4AB

<D55;4AB�70CB�E4BCB�6;>E4B��2>;;42C43�5A><�?4>?;4�02A>BB�!0?0=�F7>

BD??>AC�C78B�?A>942C�C>�278;3A4=�8=�C74�*D0��7D0�38BCA82C�0=3�$D>=6��70

38BCA82C�>5��84=��84=�'A>E8=24�;>20C43�8=�C74�=>AC74A=�?0AC�>5�,84C=0<�0=3

B083�C>�14�C74�?>>A4BC�A468>=�8=�C74�2>D=CAH��*78B�8=8C80C8E4�C>>:�?;024

B4E4=�C8<4B�B8=24�58B20;�� ��� =�58B20;�� ���F4�2>=3D2C43�0�38BCA81DC8>=

02C8E8CH�8=��5670=8BC0=�

))DD????>>AACC��55>>AA����DDCC88BBCC8822����7788;;33AA44==������>>==66��"">>==66��

���>=6�">=6�BD1B8380AH�>5�$) �60E4�3>=0C8>=B�C>�C74�K�A40C4�$H�&F=��DCDA4L�B274<4�34B86=43�C>�74;?�0DC8BC82�278;3A4=

142><4�B4;5BD??>AC8E4�0B�F4;;�0B�C74�K�><<D=8CH��<10BB03>A�'A>6A0<L�8=2;D38=6�455>ACB�5>A�?4AB>=0;�2><<D=820C8>=

B:8;;�8<?A>E4<4=C�E80�E0A8>DB�F>A:B7>?B��*78B�BD1B8380AH�F8;;�2>=C8=D4�C>�?A>E834�0BB8BC0=24�5>A�34E4;>?8=6�C74�5DCDA4�;8E8=6

?;0C5>A<�>5�0DC8BC82�278;3A4=�6>8=6�5>AF0A3�

$) �� =BDA0=24���>=6�">=6��#8<8C43�-41B8C4

))DD????>>AACC��55>>AA��88<<<<8866AA00==CC��227788;;33AA44==������44AA<<00==HH��

*74��4A<0=�1A0=27�>5��8>8�%8BB0H��>F0� =BDA0=24��><?0=H�&5��DA>?4

#8<8C43�70B�144=�2>=C8=D8=6�C>�27845;H�3>=0C4�<>=4H�0=3�685C�8C4<B�C>

E0A8>DB�5028;8C84B�C>�30C4�� =�58B20;�� ���8=�0=�455>AC�C>�5DAC74A�BC4?�D?�BD27

02C8E8C84B�C74�1A0=27�6A0=C43�#>20;��><<D=8CH��>=CA81DC8>=�'083�#40E4�C>

�4=4A0;�$0=064AB�4=2>DA068=6�C74<�C>�4=6064�8=�2>=CA81DC8>=�02C8E8C84B

10B43�>=�C748A�>F=�8340B�0=3�?;0=B��*78B�8=8C80C8E4�A4BD;C43�8=�=4F�02C8E8C84B

148=6�2>=3D2C43�022>A38=6�C>�?;0=B�34E8B43�1H��4=4A0;�$0=064AB�8=�C74

5>A<�>5�E8B8CB�C>�34<4=C80�?0C84=C�5028;8C84B�0=3�5>>3�?A>E8B8>=�B4AE824�0C

>A?70=064B�

*74�18664BC�8=8C80C8E4�8=�58B20;�� ���F0B�0=�4G2DAB8>=�C>�0�I>>�C70C�F0B

2>=3D2C43�8=��D6DBC�C70C�H40A�8=E8C8=6����8<<86A0=C�278;3A4=���>4G8BC4=24�F8C7�8<<86A0=CB�8B�0�C74<0C82�270;;4=64�5>A

4=C8A4�B>284CH�8=��4A<0=H�F8C7�8=38E83D0;�8<<86A0=CB�?0AC82D;0A;H�C748A�278;3A4=�;8E8=6�C74A4�8=�540A���85C43�F8C7�6>>3�BD==H

F40C74A�>=�C74�30H�C78B�4G2DAB8>=�B44<43�C>�0;;>F�C74�278;3A4=�C>�<D27�4=9>H�C74<B4;E4B�8=�0�20A45A44�<0==4A�

�8>8�%8BB0H��>F0� =BDA0=24��><?0=H�&5��DA>?4�#8<8C43�-41B8C4

ここ

Approaches to Local and International Communities > Contribution to Local and International Communities

184

">8=C�?A02C824�B4BB8>=�F8C7�C74��A0I8;80=

=0C8>=0;�C40<

)D==8=6�2;0BB��(7>C>����$'�*(')+�

+74�%*����!=BDA0=24��A>D?�2><?0=84B�4=6064�8=�2>=CA81DC8>=�02C8E8C84B�C>�;>20;�2><<D=8C84B�0=3�C74�B>284CH�8=�C74�584;3

>5�B?>AC��2D;CDA4�0=3�43D20C8>=

**DD????>>AACC��55>>AA��**??>>AACC

-->><<44==LLBB��""DD33>>����-->><<44==LLBB����CC77;;44CC8822BB����00==33��++AA8800CC77;;>>==

*><4�>5�C74�C>?�=0C8>=0;�0=3�8=C4A=0C8>=0;�0C7;4C4B�14;>=6�C>�C74�%*�����A>D?LB�2;D1B�5>A�F><4=LB�9D3>��F><4=LB�584;3

0=3�CA02:��0=3�CA80C7;>=�!=�C74�?0BC��C74��A>D?�70B�?A>3D243�0�=D<14A�>5�';H<?82�0C7;4C4B�0=3�BD??>AC43�C74<�8=�E0A8>DB

2><?4C8C8E4�4E4=CB��74;?8=6�BCA4=6C74=�"0?0=LB�?>B8C8>=�8=�C74�F>A;3�>5�B?>ACB�+74�-><4=LB�"D3>��;D1�8B�02C8E4�>=�C74

8=C4A=0C8>=0;�BC064�0=3�70B�02784E43�<D27�C7A>D67�4G270=64B�F8C7�0C7;4C4B�5A><�>C74A�2>D=CA84B�C7DB�50A�+7A>D67

8=E8C0C8>=B�C>�9>8=C�CA08=8=6�B4BB8>=B�>554A43�C>�=0C8>=0;�C40<B�5A><�%H0=<0A���A0I8;��0=3�4;B4F74A4��C74��;D1�7>?4B�C>

2>=CA81DC4�C>�C74�?A><>C8>=�>5�9D3>�8=�>C74A�2>D=CA84B

+74��;D1�3>4B�=>C�9DBC�20AAH�>DC�2><?4C8C8E4�02C8E8C84B��8C�0;B>�F>A:B�C>�02C8E4;H�2>=CA81DC4�C>�B>284CH�C7A>D67�AD==8=6

2;0BB4B�5>A�;>20;�A4B834=CB�0=3�8=8C80C8E4B�C>�2><<D=820C4�C74�5D=�>5�9D3>�C>�H>D=64A�64=4A0C8>=B�1H�7>BC8=6�9D3>�2;0BB4B

5>A�4;4<4=C0AH�B27>>;�BCD34=CB

*D??>AC�5>A�*?>AC��"0?0=4B4�>=;H�

"D3>:0��<8�#>=3>OOO�C7;4C4�%8B0:8�+0=014OOO+A80C7;4C4�"D=?48��DADH0

ここ

Approaches to Local and International Communities > Social Contribution in the Field of Sports, Culture and Education

185

(0AC828?0C43�AD==4AB

"���,=8C43�!27870A0��7810�$0384B

J"���,&!+��

*?4280;�';H<?82B�8=�$>B��=64;B

**DD????>>AACC88==66����>>AA??>>AA00CC44��%%00AA00CC77>>==��))44;;00HH��))002244

��!�8B�BD??>AC8=6��'B0:0��>A?>A0C4�%0A0C7>=�)4;0H�)024��0B�0�B?4280;

2>A?>A0C4�2>>?4A0C>A�8=�0=�455>AC�C>�1>>BC�B?>ACB�0=3�C>�2>34E4;>?�F8C7

;>20;�02C8E8C84B�+74�A024�BC0AC43�8=� �����F0B�344?�A>>C43�8=�'B0:0�0=3

4E>;E43�8=C>�0�CA038C8>=0;�B?>ACB�4E4=C�0;>=6�F8C7�C74�78BC>AH�>5�'B0:0��>A

C74���C7�A024�74;3�8=�"0=D0AH��� ���<>A4�C70=� �����C40<B�<034�4=CA84B�8=

C>C0;��A><�C74�2><?0=H�� ���C40<B�?0AC828?0C43�5A><�1A>03�0A40B

24=C4A43�>=�C74�#8=:8�A468>=��0B�F4;;�0B�*0??>A>��#0=0I0F0��&06>H0�

#HDB7D��0=3�+>:H>��1A8=68=6�4G28C4<4=C�C>�C74�A024

-->><<44==��BB��**>>222244AA

'DA�6A>D?�2><?0=84B�0A4�BC05543�1H�B4E4=�B>224A�?;0H4AB�>5�"���,=8C43

!27870A0��7810�$0384B�8=��8E8B8>=� �>5�C74�-><4=LB�*>224A�&034B78:>

$406D4��"0?0=4B4�F><4=LB�B>224A�;406D4��%*!��8>8�$854�8B�0=�4<?;>H4A�>5

CF>�B>224A�?;0H4AB�>5�*�!���*4C060H0�8=��8E8B8>=���>5�C74�B0<4�;406D4

+74B4�?;0H4AB�>5�C74�CF>�C40<B�70E4�144=�F>A:8=6�BD224BB5D;;H�F8C7�0

6>>3�10;0=24�14CF44=�C748A�?;0H8=6�20A44A�0=3�F>A:

**DD????>>AACC��55>>AA��**??44228800;;��'';;HH<<??8822BB

+>�0BB8BC�0C7;4C4B�F8C7�8=C4;;42CD0;�38B018;8C84B��%*!�B4AE4B�0B�0�?A4<84A

B?>=B>A�>5�*?4280;�';H<?82B�&8??>=��>D=30C8>=�+74��� ��*?4280;

';H<?82B�->A;3�*D<<4A��0<4B�F4A4�74;3�5A><�"D;H����C>��D6DBC������ ��

0=3�?0AC828?0C43�8=�1H�>E4A�������0C7;4C4B�5A><� ���2>D=CA84B��C�C78B

4E4=C�����4<?;>H44B�>5�,*�BD1B8380AH�%8CBD8�*D<8C><>�%0A8=4

%0=064<4=C��,*����!=2�F>A:43�0B�E>;D=C44AB��74;?8=6�C74�0C7;4C4B��C�C74

8=0D6DA0;�,=85843�*>224A�270<?8>=B78?�74;3�8=�'B0:0��"0?0=�8=��424<14A

�� ��� ��4<?;>H44B�?A>E8343�BD??>AC�5>A�AD==8=6�C74�60<4B�0=3�5>A

0C7;4C4B�-4�F8;;�2>=C8=D4�C>�0BB8BC�02C8E8C84B�20AA843�>DC�1H�8=C4;;42CD0;;H

38B01;43�0C7;4C4B�8=�5DCDA4

ここ

Approaches to Local and International Communities > Social Contribution in the Field of Sports, Culture and Education

186

�8?;><0�?A4B4=C0C8>=

*CA>=6�?4A5>A<0=24

0C�C74�#8C0:HDB7D�270<?8>=B78?

��22CC88EE88CC8844BB��00BB��00��++>>::HH>>��**??>>AACCBB��((AA>><<>>CC88>>==����>><<??00==HH

��!�F0B�24AC85843�0B�0��8B20;��� ��+>:H>�*?>ACB�(A><>C8>=�%>34;

�><?0=H�����148=6�68E4=�0=�0F0A3�5>A�C74�B42>=3�C8<4�0=3�5>A�CF>

2>=B42DC8E4�H40AB�+78B�24AC85820C8>=�F0B�8=C4=343�C>�14��8��6A0=C43�C>

2><?0=84B�4=6068=6�8=�8=8C80C8E4B�C70C�70E4�?0AC82D;0A;H�186�45542CB�>=

B>284CH�0=3�A8??;4�45542CB�2>=24A=8=6�083�C>�(0A0*?>ACB�0=3�4=70=24<4=C

>5�4<?;>H44�740;C7��0=3�88��27>B4=�5A><�0<>=6��8B20;��� ��+>:H>�*?>ACB

(A><>C8>=��><?0=84B�C>C0;8=6� ���+78B�C8<4��C74�24AC85820C8>=�F0B�68E4=

C>� ��2><?0=84B�8=2;D38=6���!

����-70C�8B�C74�+>:H>�*?>ACB�(A><>C8>=��><?0=H��4AC85820C8>=�(A>6A0<�

+74�+>:H>�*?>ACB�(A><>C8>=��><?0=H��4AC85820C8>=�(A>6A0<�8B�0�+>:H>�%4CA>?>;8C0=

�>E4A=<4=C�B274<4�C70C�24AC8584B�2><?0=84B�C70C�4=6064�8=�0=�8=8C80C8E4�C>�?A><>C4�4<?;>H44�B?>ACB�02C8E8C84B�0=3�F7827�?A>E834�0BB8BC0=24

8=�C74�B?>ACB�B46<4=C�+74�6>E4A=<4=C�34;8E4AB�0�24AC85820C4�0=3�24AC85820C8>=�BC82:4A�C>�24AC85843�2><?0=84B�145>A4�A4;40B8=6�C748A�2>A?>A0C4

=0<4B�>=�8CB�F41B8C4

((00AACC==44AABB7788??����66AA4444<<44==CC��FF88CC77����>>338844BB��**??>>AACCBB����BBBB>>228800CC88>>==BB��55>>AA��((44AABB>>==BB��FF88CC77����88BB001188;;88CC8844BB

!=�>A34A�C>�BD??>AC�0C7;4C4B�?DABD8=6�C748A�?>C4=C80;�34B?8C4�C748A

38B018;8C84B����!�2>>?4A0C4B�F8C7�C74�5>;;>F8=6�6A>D?B�C>�BD??>AC�8CB

02C8E8C84B��+74�?8;;0A�>5�>DA�8=8C80C8E4�8B�5>A�<0=H�4<?;>H44B�C>�E8B8C�(0A0

*?>ACB�E4=D4B�02A>BB�C74�2>D=CAH�D=34A�C74�B;>60=�>5�M*44�N�M�44;N�0=3

M+78=:N

!=��?A8;��� ���F4�4BC01;8B743�C74�(0A00C7;4C4�*27>;0AB78?�(A>6A0<

8=C4=343�C>�BD??>AC�0B?8A0C8>=0;�0=3�2><?4C4=C�0C7;4C4B�>5�0�H>D=6�064

F8C7�C74�08<�>5�5>BC4A8=6�0C7;4C4B�F8C7�38B018;8C84B�F7>�F8;;�?;0H�:4H�A>;4B�8=

5DCDA4

-4�F8;;�2>=C8=D4�C>�BD??>AC�0C7;4C4BL�B?>ACB�02C8E8C84B�F78;4�BCA8E8=6�C>

0BB8BC�0;;�20C46>A84B�>5�(0A0*?>ACB�4E4=CB�02A>BB�C74�2>D=CAH

R(0AC=4A�'A60=8I0C8>=BS

"0?0=4B4�(0A0*?>ACB��BB>280C8>=��"0?0=4B4�>=;H����� �T�

"0?0=�-744;2708A��0B:4C10;;��434A0C8>=��"0?0=4B4�>=;H�������T�

"0?0=4B4�(0A0*F8<<8=6��434A0C8>=��"0?0=4B4�>=;H����� �T�

-41B8C4�5>A�*D??>AC8=6�*?>ACB�5>A�?4AB>=B�F8C7�38B018;8C84B�P����70;;4=64�*D??>ACQ��"0?0=4B4�>=;H�

P����70;;4=64�*D??>ACQ�0241>>:�?064

ここ

Approaches to Local and International Communities > Social Contribution in the Field of Sports, Culture and Education

187

�<?;>H44B��F0C278=6�0=3�2744A8=6

0C�2><?4C8C8>=B

*27>;0AB78?�24AC85820C8>=�24A4<>=H

*D??>AC�5>A�C74��;;�"0?0=�"D3>��70<?8>=B78?B

5>A�C74�E8BD0;;H�8<?08A43

��!�8B�0=�>558280;�?0AC=4A�>5�C74�"0?0=4B4�(0A0*?>ACB��BB>280C8>=��0=3

70B�144=�BD??>AC8=6�B?>ACB�5>A�?4AB>=B�F8C7�38B018;8C84B

!=�>A34A�C>�5DAC74A�A40;8I4�C74�2><<D=8CH10B43�0??A>027�;083�>DC�8=�>DA

6D834;8=4B�5>A�02C8>=��F4�0A4�4=60643�8=�E0A8>DB�02C8E8C84B��8=2;D38=6

2744A8=6�>=�0C7;4C4B�0C�C74�<0C274B��B4CC8=6�D?�0�BD??>AC�B8C4�5>A�(0;0

*?>ACB��0=3�B4CC8=6�D?�0�?0=4;�4G7818C8>=�0C�C74�;>20;�����;D1���

��0C74A8=6�>5�+70=:B��+74�5>D=30C8>=�>5�>DA�02C8E8C84B�2>=B8BCB�>5�0=

0F0A4=4BB�>5��F0C278=6��0=3��544;8=6���0=3�F4�4=2>DA064�<0=H

4<?;>H44B�C>�?4AB>=0;;H�0CC4=3�B?>ACB�<0C274B�5>A�?4AB>=B�F8C7

38B018;8C84B

�����0B43�>=�C74�C7A44�?8;;0AB�>5�?A>E838=6�8=5>A<0C8>=��2>A?>A0C4�4G270=64��0=3

2>=CA81DC8>=�C>�C74�2><<D=8CH��8C�8B�4=60643�8=�02C8E8C84B�C70C�?;0H�0�DB45D;�A>;4�8=�C74

2><<D=8CH

*?4285820;;H��E0A8>DB�B4<8=0AB��4G270=64B�14CF44=�38554A4=C�8=3DBCA84B��0B�F4;;�0B

4=E8A>=<4=C0;�2>=B4AE0C8>=�4E4=CB��38B0BC4A�0=3�2A8<4�?A4E4=C8>=�4E4=CB��0=3�E0A8>DB

270A8CH�4E4=CB�0A4�74;3�!=�0338C8>=��7><4?064B�0A4�B4C�D?�5>A�4027�0A40��0=3�;>20;

2><<D=8CH�8=5>A<0C8>=�0B�F4;;�0B�1DB8=4BB�8=5>A<0C8>=�8B�?A>E8343�C7A>D67�C74

F41B8C4B�0=3�4<08;�=4FB;4CC4AB

+74�;>20;�����;D1��"0?0=4B4�>=;H�

**DD????>>AACC��55>>AA��((00AA00**??>>AACCBB

�C�%*!��8>8�$854��F4�8=C4=3�C>�2>=C8=D4�C>�?A>E834�DB45D;�BD??>AC�5>A�C74

(4AB>=B�F8C7��8B018;8C84B�C>�A48=C46A0C4�8=C>�B>284CH��58=3�;854�?DA?>B4��0=3

8<?A>E4�C748A�@D0;8CH�>5�;854�+>�3>�C78B��F4�70E4�0BB4=C43�C>�C74�02C8E8C84B

>5�&('�"0?0=��;8=3�"D3>��434A0C8>=��0=3�"0?0=�(0A0��C7;4C82B�0=3�0A4

F>A:8=6�C>�B?A403�0=3�4=70=24�B?>ACB�5>A�C74�(4AB>=B�F8C7��8B018;8C84B

�E4AH�H40A�>DA�4<?;>H44B�?0AC828?0C4�8=�C74��;;�"0?0=�E8BD0;;H�8<?08A43

?4AB>=�9D3>�C>DA=0<4=C�0B�E>;D=C44AB�0=3�8C�F0B�2>E4A43�8=�0�F4120BC

0=3�F0C2743�1H�<0=H�>5�F8C78=�0=3�>DCB834�>5�C74�2><?0=H�!=�0338C8>=�

CF>�E8BD0;;H�8<?08A43�9D3>�0C7;4C4B�4<?;>H44B�02C8E4;H�10;0=24B�C748A

F>A:�0=3�B?>AC�;854

ここ

Approaches to Local and International Communities > Social Contribution in the Field of Sports, Culture and Education

188

�=�4<?;>H44�DB4B�0�B?4280;�(��C70C�<0:4B

B>D=3�C>�74;?�DB4AB�>?4A0C4�8C

&4F;H�78A43�0C7;4C4B

��<<??;;>>HH<<44==CC��>>55����CC77;;44CC44BB��FF88CC77����88BB001188;;88CC8844BB

%*!�?A><>C4B�C74�4<?;>H<4=C�>5�(4AB>=B�F8C7��8B018;8C84B�F8C7�C74�08<�>5

?A>E838=6�BD??>AC�5>A�C74<�C>�;403�8=34?4=34=C�;8E4B��DAA4=C;H��0�38B01;43

CA02:�0C7;4C4�8B�0=�4<?;>H44�>5�C74�2><?0=H��0=3�8B�CA08=8=6�70A3�F8C7�C74

08<�>5�?0AC828?0C8=6�8=�C74�(0A0;H<?82B�F78;4�4=6068=6�8=�4E4AH30H�F>A:

A4B?>=B818;8C84B

*C0AC8=6�5A><�58B20;��� �����!�1460=�C>�A42AD8C�(0A0*?>ACB�?;0H4AB�8=

40A=4BC�+78B�8=8C80C8E4�?A>6A4BB43�5DAC74A�0C�C74�2><?0=H��F7827�F0B

9>8=43�1H�B4E4=�0C7;4C4B�F8C7�38B018;8C84B�8=��?A8;��� ��+74�2><?0=H�8B

2DAA4=C;H�BC05543�1H� ��0C7;4C4B�F8C7�38B018;8C84B�8=2;D38=6���BD27�0C7;4C4B

F7>�F8;;�?0AC828?0C4�8=�8=C4A=0C8>=0;�60<4B�BD27�0B�C74�(0A0;H<?82B��C74

�405;H<?82B�0=3�F>A;3�270<?8>=B78?B�+74B4�4<?;>H44B�BCA8:4�0�6>>3

10;0=24�14CF44=�F>A:�0=3�B?>ACB�02C8E8C84B�%>A4>E4A��CA0=B24=38=6�C74

1>D=30A84B�14CF44=�C74�?4AB>=B�F8C7�38B018;8C84B�0=3�C74�740;C7H��C74H

A46D;0A;H�70E4�8=5>A<0C8>=4G270=64�0=3�BCD3H�<44C8=6B�F8C7�C7A44

0C7;4C4B�8=�F><4=LB�B>224A�0=3�BF8<<8=6�F7>�0A4�08<8=6�C>�?0AC828?0C4�8=

C74�';H<?82B

*D??>AC�5>A��<?;>H44B�F8C7��8B018;8C84B

((AA>><<>>CC88>>==��>>55����DD;;CCDDAA44

!!==CCAA>>33DD22CC88>>==��>>55����>>==2244AACC�� 00;;;;BB

%%88CCBBDD88��**DD<<88CC>><<>>��!!==BBDDAA00==2244��**7788AA00::00FF00�� 00;;;;

%*!�*78A0:0F0� 0;;�F0B�>?4=43�8=�&06>H0�8=� �����0B�C74�2>=24AC�70;;�4@D8??43�F8C7�C74�78674BC�;4E4;�B>D=3�BHBC4<�8=�C74

F>A;3��B�0�?A4<8D<�70;;�5>A�C74�2><<D=8CH��8C�2>=CA81DC4B�C>�2A40C8>=�>5�0=�4=A82743�B>284CH�0=3�8B�03<8A43�F834;H�1H

<DB8280=B��5A><�C74�F>A;3LB�C>?�0AC8BCB�C>�;>20;�0<0C4DA�<DB8280=B�!C�8B�?;0H8=6�C74�?>B8C8E4�A>;4�0B�<DB82�2D;CDA0;�5028;8CH

8=�:44?8=6�F8C7�8CB�<8BB8>=�>5�74;?8=6�<DB82�3>�F70C�8C�20=�5>A�0�14CC4A�B>284CH

%8CBD8�*D<8C><>�!=BDA0=24�*78A0:0F0� 0;;��"0?0=4B4�>=;H�

��88>>88��&&88BBBB00HH����>>FF00��!!==BBDDAA00==2244��++ ����(( ''��&&!!..�� ��$$$$

��!�70B�?>B8C8>=43��+74�(7>4=8G� 0;;��0B�0�B8C4�5>A�<424=0C�02C8E8C84B�8=�BD??>AC�>5�C74�0ACB�0=3�2D;CDA4�+74� 0;;

2>=C8=D4B�C>�?A>E834�@D0;8CH�<DB820;�?A>6A0<B�F8C7�0�5>2DB�>=�2;0BB820;�<DB82�?4A5>A<43�1H�0AC8BCB�8=�"0?0=�0=3�>E4AB40B

C7A>D67�2>=24ACB�?;0==43�1H�C74�2><?0=H��;B>��C74�70;;�B4AE4B�0B�0�E4=D4�5>A�2>=24ACB�>=�>E4A�����>220B8>=B�0==D0;;H�

2>=CA81DC8=6�<D27�C>�C74�34E4;>?<4=C�>5�<DB820;�0=3�2D;CDA0;�02C8E8C84B�8=�C74�A468>=�+>�<0:4�<DB82�<>A4�8=C8<0C4�C>�>DA

2DBC><4AB��F4�<034�C74�70;;�<>A4�0224BB81;4�0=3�50<8;80A��DAC74A�2>=CA81DC8>=B�C>�C74�;>20;�2><<D=8CH�F8;;�14�<034

C7A>D67�0�E0A84CH�>5�<DB820;�02C8E8C84B

�8>8�&8BB0H��>F0�!=BDA0=24�+ ��( '�&!.� �$$��"0?0=4B4�>=;H�

ここ

Approaches to Local and International Communities > Social Contribution in the Field of Sports, Culture and Education

189

��B24=4�>5�2>=24AC

+>:H>�?4A5>A<0=24

1H�C74��4A;8=�(78;� ���4;;8BCB

#4=I0=�'60C0��*0184�+BD10:8ID�#0:DI0A0�

%%88CCBBDD88��**DD<<88CC>><<>>��!!==BBDDAA00==2244����DD;;CCDDAA00;;����>>DD==3300CC88>>==

+74�%8CBD8�*D<8C><>�!=BDA0=24��D;CDA0;��>D=30C8>=����4=6064B�8=

02C8E8C84B�08<43�0C�BD??>AC8=6�455>ACB�C>�?A><>C4�2D;CDA4�>=�C74�;>20;�;4E4;�

0=3�?A>E834B�0BB8BC0=24�8=�C74�584;3B�>5�<DB82�0=3�5>;:�0ACB�!CB�<08=

02C8E8C84B�0A4���>=24ACB�5>A�;>20;�A4B834=CB��74;3�8=�28E82�70;;B�8=�E0A8>DB

0A40B�0=3���BB8BC0=24�5>A�?A>6A0<B�>5�8=C4A=0C8>=0;�2D;CDA0;�8=C4A270=64�

�C�C74�4=3�>5�58B20;��� ���0B�5>A���>=24ACB�5>A�;>20;�A4B834=CB���0�C>C0;�>5

����2>=24ACB�F4A4�74;3�8=�28C84B��C>F=B��0=3�E8;;064B��0A>D=3�C74�2>D=CAH

!=�0338C8>=����BB8BC0=24�5>A�?A>6A0<B�>5�8=C4A=0C8>=0;�2D;CDA0;

8=C4A270=64���5DA=8B743�����?A>6A0<B��C>C0;�>5�����<8;;8>=�H4=�

%8CBD8�*D<8C><>�!=BDA0=24��D;CDA0;��>D=30C8>=��"0?0=4B4�>=;H�

����%8CBD8�*D<8C><>�!=BDA0=24��D;CDA0;��>D=30C8>=���BC01;8B743�8=� �����270=64�>5�BC0CDB�C>�0�?D1;82�F4;50A4�2>A?>A0C8>=�8=��424<14A�����

**??44228800;;��22>>BB??>>==BB>>AABB7788??��>>55��CC7744����44AA;;88==��((7788;;�� ������44;;;;88BBCCBB

%*!�(A8<0AH�$854�B?4280;;H�2>B?>=B>A43�C74��4A;8=�(78;� ���4;;8BCB�2>=24AC�74;3

8=�"D;H��� ��0C�C74�*D=C>AH� 0;;���:0B0:0��+>:H>�� 0E8=6�144=�74;3�184==80;;H�8=

+>:H>�>=�0�BC0=30;>=4�10B8B�B8=24� �����C78B�2>=24AC�F0B�2>B?>=B>A43�8=��� �

1H�C74�2><?0=H�5>A�C74�B8GC7�C8<4�B8=24�������C74�58ABC�H40A�>5�8CB�2>

B?>=B>AB78?

+74��4A;8=�(78;� ���4;;8BCB�8B�0�D=8@D4�0=3�6>A64>DB�270<14A�<DB82�6A>D?

2><?>B43�>5�C74�24;;>�B42C8>=�>5�C74��4A;8=�(78;70A<>=82�'A274BCA0��C74�F>A;3LB

C>?2;0BB�270<14A�6A>D?�+78B�>A274BCA0LB�7867;H�>A868=0;�0=3�B>;83�B>D=3

0CCA02C43�F>A;3F834�0D384=24B�+74�+>:H>�0D384=24�F0B�4=C7A0;;43�1H�C74

?4A5>A<0=24�F8C7�0�B>D=3�34?C7�50A�CA0=B24=38=6�C70C�>5� ��24;;>B��10B43�0�F4;;

2>>A38=0C43�4=B4<1;4��=>C�C>�<4=C8>=�C74�BD?4A1�C427=8@D4B�>5�8=38E83D0;

<DB8280=B

��GG77881188CC88>>==��>>55��''FF==4433����AACCBB������++BBDD1100::88��

��!�B7>FB�8CB�>F=43�0ACB���+BD10:8��8=�?D1;82�0AC�0=3�=0CDA0;�78BC>AH

<DB4D<B�0;;�0A>D=3�C74�2>D=CAH�B>�C70C�<0=H�?4>?;4�20=�>1B4AE4�C74<

+BD10:8�8B�>=4�5;>F4A�274A8B743�1H�C74�"0?0=4B4�5A><�>;34=�C8<4B��F7827

DB43�C>�14�C74�2>A?>A0C4�BH<1>;�5>A�C74�5>A<4A�C74��08+>:H>��8A4�0=3

%0A8=4���;>C�>5�?4>?;4�70E4�0??A4280C43�C74B4�0ACB��8=�F7827�C74�140DCH�>5

+BD10:8�8B�?>ACA0H43�1H�"0?0=4B4�<09>A�0AC8BCB

!=�58B20;��� ���8C�B7>F43�01>DC����>5�8CB�0ACF>A:B�0C�0�B?4280;�4G7818C8>=�0C

'H0<0��7DB0:D��AC�%DB4D<��&87>=<0CBD��8CH���D:DB78<0�(A4542CDA4�

2><<4<>A0C8=6�C74� �C7�0==8E4AB0AH�>5�C74�<4A64A�>5�C74�28CH

ここ

Approaches to Local and International Communities > Social Contribution in the Field of Sports, Culture and Education

190

*24=4�>5�24A4<>=H

��33DD2200CC88>>==��**DD????>>AACC

((00AACC882288??00CC88>>==��88==��CC7744����44;;;;��%%00AA::����00<<??008866==

!=��?A8;���������!�1420<4�C74�58ABC�58=0=280;�8=BC8CDC8>=�8=�"0?0=�C>�?0AC828?0C4�8=�C74��4;;�%0A:�20<?086=�0B�0�BD??>AC4A�

0=3�0558G4B��4;;�%0A:�?>8=CB�C>�8CB�0;;��+',� ��B4A84B�?A>3D2CB�F7827�0A4�?4AB>=0;�584;3B�?A>3D2CB�BD27�0B�0DC><>18;4

8=BDA0=24��58A4�8=BDA0=24��0=3�022834=C�8=BDA0=24

�4;;<0A:�?>8=CB�0A4�2>=E4AC43�8=C>�2>;;42C>A�B27>>;�B0E8=6B�>=�0�>=4?>8=C>=4H4=�10B8B��0=3�C74H�20=�14�DB43�C>�1DH

6>>3B�=44343�1H�C74�B27>>;�+78B�B274<4�0;;>FB�4027�B27>>;LB�4@D8?<4=C�0=3�4=E8A>=<4=C�C>�14�D?6A0343��C�C74�B0<4

C8<4��C74�B274<4�?0E4B�C74�F0H�C>F0A3�?A>E838=6�0BB8BC0=24�C>�102:2>D=CAH�B27>>;B��38B0BC4A78C�B27>>;B��B?4280;�083

B27>>;B�0=3�34E4;>?8=6�2>D=CAH�278;3A4=

-8C7�C74�0AA8E0;�>5�C74���C7�0==8E4AB0AH�>5�C74��4;;�%0A:�20<?086=�8=� �����C74��4;;�%0A:��3D20C8>=�*D??>AC��>D=30C8>=

4BC01;8B743�C74���4;;�%0A:��<10BB03>A��BHBC4<�8=��� ��C>�4=70=24�C74�20<?086=

+74�2><?0=H�F0B�68E4=�0�7867�A42>6=8C8>=�5>A�=>C�>=;H�148=6�0��4;;<0A:�?A>6A0<�2>B?>=B>A�1DC�0;B>�4=6068=6�8=��4;;<0A:

2>;;42C8>=�02C8E8C84B�>=�0�2><?0=HF834�10B8B�F8C7�C74�>1942C8E4�>5�0838=6�38B0BC4A05542C43�B27>>;B�*>�C74�2><?0=HLB

(A4B834=C�F0B�0??>8=C43�8=0D6DA0;��4;;<0A:��<10BB03>A

!=�0338C8>=�C>�C74��4;;<0A:�0<10BB03>A�0??>8=C<4=C����!�F8;;�BCA8E4�C>�1A>034=�C74�B2>?4�>5�8CB��4;;<0A:�02C8E8C84B�0=3

F>A:�C>�2>;;42C�BD27�?>8=CB�>=�0�2><?0=HF834�10B8B�8=�>A34A�C>�8<?A>E4�C74�43D20C8>=0;�4=E8A>=<4=C�5>A�278;3A4=

(0AC828?0C8>=�8=�C74��4;;�%0A:��0<?086=��"0?0=4B4�>=;H�

**44<<88==00AA��00CC��--00BB443300��,,==88EE44AABB88CCHH

��!�0=3�%*����)4B40A27�!=BC8CDC4�70E4�74;3�4=3>F43�2>DAB4B�0C�C74�-0B430�,=8E4AB8CH�D=34A�C74�C8C;4��!=BDA0=24

�DB8=4BB�8=�C74�&4F��64K�028=6��;>10;�*C0=30A3B�0=3�C74�$>F��8AC7A0C4���643�*>284CH��B8=24������+74�2>DAB4B�F4A4

>?4=43�>=�<09>A�BD1942CB�>5�B86=85820=C�270=64B�8=�C74�8=BDA0=24�1DB8=4BB��4G?>D=38=6�>=�7>F�C>�A4B?>=3�C>�C74�A0?83;H

34E4;>?8=6�6;>10;8I0C8>=�0=3�068=6�?>?D;0C8>=B�0B�F4;;�0B�>=�A4@D8A43�34?;>H<4=C�>5�2DBC><4A>A84=C43�1DB8=4BB��4C2

+>�5DAC74A�4=70=24�C74�2>=C4=C�>5�C74�=4F064�8=BDA0=24�1DB8=4BB��C74�C74<4�>5�C74�B4<8=0A�0C�-0B430�,=8E4AB8CH��F4

0AA0=643�5>A�8C�C>�14�74;3�8=� ��B4BB8>=B�5>A��/�� ��2>=24A=8=6�BD1942CB�8=2;D38=6�0�=4F�>=4��=0<4;H��?A>?4ACH�0=3

20BD0;CH�8=BDA0=24�<0A:4C�34E4;>?<4=C�02C8E8C84B�DB8=6�<>18;4�34E824B�BD27�0B�B<0AC?7>=4B

+74�2>DAB4B�F4A4�2>=3D2C43��D=34A�2>>A38=0C8>=�>5�D=8E4AB8CH�C40278=6�BC055��1H�4G?4ACB�8=�A4B?42C8E4�584;3B�0=3�C74

%*����!=BDA0=24��A>D?�4G42DC8E4B��DC8;8I8=6�C748A�4G?4A84=24��:=>F7>F��0=3�=4CF>A:B

��>>==00CC88>>==��>>55��**2277>>;;00AABB7788??BB��CC>>��CC7744��!!==CC44AA==00CC88>>==00;;��,,==88EE44AABB88CCHH��>>55�� 4400;;CC77��00==33��--44;;5500AA44

+>�033A4BB�C74�=443B�>5�C74�0643�B>284CH����!�BD??>ACB�8CB�B27>;0AB78?

?A>6A0<�5>A�BCD34=CB�>5�C74�!=C4A=0C8>=0;�,=8E4AB8CH�>5� 40;C7�0=3�-4;50A4�

F7827�8B�?A>3D28=6�7D<0=�A4B>DA24B�C>�BD??>AC�B4AE824B�8=�C74�<43820;

0=3�F4;50A4�584;3��8=�0A40B�BD27�0B�=DAB8=6�20A4�0=3�A47018;8C0C8>=�5>A�C74

0643�C>�1>;BC4A�8CB�0??A>0274B�C>�=DAB8=6�B4AE824B�0=3�B4=8>A�1DB8=4BB

*CD34=CB�A42><<4=343�1H�C74�,=8E4AB8CH�0A4�68E4=�B27>;0AB78?�6A0=CB�1H

C74�C8<4�>5�C748A�6A03D0C8>=�0B�0�64=4A0;�AD;4���C>C0;�>5� ���BCD34=CB�70E4

6A03D0C43�1H�58B20;��� ���C74H�0A4�02C8E4�8=�4027�B?4280;8I43�584;3

ここ

Approaches to Local and International Communities > Social Contribution in the Field of Sports, Culture and Education

191

��BBBB88BBCC88==66��BBCCDD3344==CCBB

%*!�?A>E834B�B27>;0AB78?�0BB8BC0=24�8=�E0A8>DB�5>A<0CB�5>A�C74�?DA?>B4�>5�?A>E838=6�43D20C8>=�>??>ACD=8C84B�C>�<0=H

2><?4C4=C�BCD34=CB

%%**����<<;;88==����44AA<<DD3300''5555882244

%*��<;8=��4A<D30�'55824�?A>E8343�B27>;0AB78?B�5>A�CF>�B27>;0AB78?�?A>6A0<B�AD=�1H�C74�4A<D30�!=C4A=0C8>=0;�0BB>280C8>=�0=3�C74��4A<D30�!=BDA0=24�!=BC8CDC4

((++����BBDDAA00==BB88��%%**!!����!!==33>>==44BB8800��

��(+��BDA0=B8�%*!���!=3>=4B80��?A>E8343�B27>;0AB78?B��!�)���������>A�01>DC�������H4=�?4A?4AB>=��C>� ���58=0=280;;H�CA>D1;43�?A8<0AH�B27>>;�?D?8;B�>5�5>DA�B27>>;B�8=�>A34A�C>�4=01;4C74<�C>�:44?�?DABD8=6�C748A�02034<82�4=340E>AB��+78B�?A>6A0<�C>>:�C74�5>A<�>5�2>B?>=B>A8=6�0�270A8CH�?A>942C�1H�0=�&('�

%%**!!����!!==BBDDAA00==2244��++770088;;00==33����((DD11;;8822��>><<??00==HH��$$88<<88CC4433��++770088;;00==33��

+74�2><?0=H�?A>E8343�B27>;0AB78?�C>�BCD34=CB�<09>A8=6�8=�8=BDA0=24�0C��7D;0;>=6:>A=,=8E4AB8CH�0=3�(A8=24�>5�*>=6:;0�,=8E4AB8CH

ここ

Approaches to Local and International Communities > Social Contribution in the Field of Sports, Culture and Education

192

������������""''))&&��""������ &&##))$$����''��������## ����,,��##""����))!!��""

��������((''

����������"')&�"��� &#)$��'���*�"��"��(��

�$$&#����'��#&�(���&�'$��(�#���)!�"�&���('����

�#&!) �(���(���������"')&�"��� &#)$��'����# ��,�#"

�)!�"�����('��"����&)�&,������(#��)&(��&��) �� ��('

&�'$#"'��� �(��'�(#�&�'$��(��)!�"�&���('�

������"')&�"��� &#)$��'����# ��,�#"��)!�"

����('

$$$$&&##��������''��((##������''$$����((��""������))!!��""����������((''

�#��) �� �#)&�&�'$#"'��� �(,�(#�(����)!�"�&���('�&�%)�&���#�

�"(�&$&�'�'��+���&����*�"��"���$$&#����'��#&���!� ��&�-�"�

�!$ #,��'�+�(��������"')&�"��� &#)$��'����# ��,�#"

�)!�"�����('��"���'(�� �'��"�����&�!�+#&���#&��)!�"

&���('��)���� ���"���

$$&#����'�(#���'$��(�"���)!�"�����('

ここ

Respect for Human Rights

193

�5��;5-�� ��:0-��#�����59;8)5+-��86;7�786+3)14-,�1:9�9;7768:�.68�:0-�%51:-,��):1659��36*)3��647)+:��)5,�19

),<)5+15/�:0-�)7786)+0-9�.68�:0-�8-97-+:�6.�0;4)5�81/0:9�)9�)�9;7768:15/�+647)5?�6.�:0-�%51<-89)3��-+3)8):165�6.��;4)5

"1/0:9���� ��68-��)*68�#:)5,)8,9��)5,� �����;1,-315-9�.68��;3:15):165)3��5:-87819-9�:086;/0�7)8:1+17):165�15�:0-�%51:-,

�):1659��36*)3��647)+:�

�5�),,1:165��:0-��#�����59;8)5+-��86;7�.684;3):-,�:0-��#�����59;8)5+-��86;7��)91+�!631+?�65��;4)5�"1/0:9�15

�-*8;)8?����:6�.;8:0-8�.;3.133�1:9�8-976591*131:1-9�:6�8-97-+:�0;4)5�81/0:9�

!)8:1+17):165�15�:0-�%51:-,��):1659��36*)3��647)+:

��))9911++��!!663311++11--99��..6688��""--9977--++::1155//����;;44))55��""11//00::99

$0-��#�����59;8)5+-��86;7�9:17;3):-9�8-97-+:�.68�0;4)5�81/0:9�15�:0-�B�#�����59;8)5+-��86;7��)91+�!631+?�65��;4)5

"1/0:9C�

��##����������5599;;88))55++--����8866;;77����))9911++��!!663311++??��6655����;;44))55��""11//00::99

$0-��#�����59;8)5+-��86;7�19�+6441::-,�:6�-50)5+15/�:0-�-5:-87819-�<)3;-�)5,�+65:81*;:15/�:6�:0-�+8-):165�6.

)�9;9:)15)*3-�)5,�8-9131-5:�96+1-:?�:086;/0�*-0)<168�:0):�:)2-9�15:6�)++6;5:�15:-8)+:165�=1:0�:0-�-5<18654-5:�)5,

96+1-:?�15�)33�*;915-99�)+:1<1:1-9��=1:0�:0-�)14�6.�8-)31@15/� ;8��199165�

'-�8-+6/51@-�6;8�8-976591*131:?�.68�:0-�)+:;)3�)5,�76:-5:1)3�),<-89-�147)+:�6;8�*;915-99�)+:1<1:1-9�0)<-�65

0;4)5�81/0:9��15+3;,15/�:0-�147)+:�6.�<)3;-�+0)15�� ;8�)+:1659�)5,�,1)36/;-�=133�906=�8-97-+:�.68�0;4)5�81/0:9�

$019��)91+�!631+?�0)9�*--5�),67:-,�:6�78-7)8-�.68�:019�

��AA��))9911++����77778866))++00

��������6644773311))55++--��==11::00��33))==99����88--//;;33))::11665599��))55,,��5566884499��88--33))::--,,��::66��88--9977--++::��..6688��00;;44))55��8811//00::99

�1��$0-��86;7�8-97-+:9�15:-85):165)3�56849�65�0;4)5�81/0:9�9;+0�)9�:0-�%51:-,��):1659��5:-85):165)3��133�6.

�;4)5�"1/0:9��:0-�+68768):-�+6,-�6.�+65,;+:�15�:0-�%51:-,��):1659��36*)3��647)+:��)5,�:0-�7815+173-9

+65+-8515/�.;5,)4-5:)3�81/0:9�9-:�6;:�15�:0-��5:-85):165)3��)*6;8� 8/)51@):165��-+3)8):165�65��;5,)4-5:)3

!815+173-9�)5,�"1/0:9�):�'682�

�11���5�),,1:165�:6�+6473?15/�=1:0�3)=9�)5,�8-/;3):1659�15�+6;5:81-9�)5,�8-/1659�=0-8-�=-�+65,;+:�*;915-99

)+:1<1:1-9��=-�9--2�=)?9�:6�8-97-+:�:0-�7815+173-9�6.�15:-85):165)33?�8-+6/51@-,�0;4)5�81/0:9�=0-5�:0-9-

3)=9�)5,�8-/;3):1659�+65.31+:�=1:0�:0-�7815+173-9��=013-�+6591,-815/�:0-�+18+;49:)5+-9�15�9;+0�+6;5:81-9�)5,

8-/1659�

����������6655��,,1199++8811441155))::116655

'-�8-97-+:�*)91+�0;4)5�81/0:9�15�)33�*;915-99�)+:1<1:1-9��)5,�56:�,19+81415):-�*)9-,�65�8)+-��5):165)31:?��/-5,-8�

)/-��-:051+�681/15��,-9+-5:��.)413?�681/15���96+1)3�9:):;9��+8--,��8-31/165��70?91+)3�+0)8)+:-819:1+9��,19)*131:?��9->;)3

681-5:):165��/-5,-8�1,-5:1:?�68�78-/5)5+?�

����������6688776688))::--��++;;33::;;88--��::00))::��88--9977--++::99��00;;44))55��8811//00::99

�1��'1:0�B)+01-<15/�4;:;)3�/86=:0�*?�8-97-+:15/�65-�)56:0-8�9�15,1<1,;)31:?�)5,�67151659��)5,�*?�90)815/

256=3-,/-�)5,�1,-)9C�)9�65-�6.� ;8�&)3;-9��=-�=133�.69:-8�)�+68768):-�+;3:;8-�:0):�8-97-+:9�0;4)5�81/0:9�

�11��'-�8-97-+:�,1<-89-�<)3;-9�)5,�-5/)/-�15�:0-�+8-):165�6.�)�.81-5,3?�=68215/�-5<18654-5:�=1:0�+6591,-8):165

.68�:0-�4-5:)3�)5,�70?91+)3�0-)3:0�)5,�9).-:?�6.�-<-8?�915/3-�-4736?--�

ここ

Respect for Human Rights > MS&AD Insurance Group Basic Policy on Human Rights

194

��������;;44))55��""11//00::99����;;--����113311//--55++--

'-�=133�+8-):-�)�9?9:-4�.68�0;4)5�81/0:9�,;-�,131/-5+-�15�)++68,)5+-�=1:0�:0-�%51:-,��):1659��;1,15/�!815+173-9

65��;915-99�)5,��;4)5�"1/0:9��)5,�-5/)/-�15�,1)36/;-��+659;3:):165�)5,�8-768:15/�

��������9999--999944--55::��))55,,��7788--<<--55::116655

'-�=133�1,-5:1.?�)5,�)99-99�)5?�)+:;)3�)5,�76:-5:1)3�0;4)5�81/0:9�81929��)5,�:)2-�781681:1@-,�9:-79�:6�78-<-5:�)5,

41:1/):-�:0-4�

��������""--44--,,??����88--44--,,11))::116655��))55,,��,,11))3366//;;--

�.�:0-��86;7�+);9-9�),<-89-�0;4)5�81/0:9�147)+:9��=-�=133�7-8.684�)7786781):-�8-4-,?�)5,�8-4-,1):165�:086;/0

)7786781):-�786+-,;8-9��)5,�-5/)/-�15�:0-�78-<-5:165�6.�8-+;88-5+-���68-6<-8��1.�1:�19�.6;5,�:0):�=-�)8-�15<63<-,

15�9;+0�147)+:9�:086;/0�:0-�<)3;-�+0)15��=-�=133�915+-8-3?�-5/)/-�15�,1)36/;-�

����������,,;;++))::116655��))55,,��$$88))11551155//

'-�=133�-5/)/-�15�)�*86),�8)5/-�6.�)+:1<1:1-9�:6�8)19-�)=)8-5-99�6.�0;4)5�81/0:9�:086;/0�-<-8?�67768:;51:?�:6

-59;8-�6;8�6..1+-89�)5,�-4736?--9�0)<-�)�,--7-8�;5,-89:)5,15/�6.�/36*)3��+6;5:8?�97-+1.1+�68�8-/165)3�199;-9

8-3):-,�:6�0;4)5�81/0:9�)5,�:0-18�15<63<-4-5:�=1:0�6;8�*;915-99�)+:1<1:1-9�)5,�0)<-�8-97-+:�.68�0;4)5�81/0:9�

������""--997766559911**113311::11--99��))99��))����3366**))33����5599;;88))55++--��))55,,����1155))55++11))33��##--88<<11++--99��!!8866<<11,,--88

������!!8866::--++::116655��66..��778811<<))++??

�5�31/0:�6.�:0-�14768:)5+-�6.�7-8965)3�15.684):165�)5,�15�)++68,)5+-�=1:0�6;8��)91+�!631+?�.68��)5)/-4-5:�6.

�;9:64-8��5.684):165�=-�=133�786:-+:�7-8965)3�15.684):165�:6�-59;8-�:0):�:0-8-�19�56�),<-89-�147)+:�65�0;4)5

81/0:9�15+3;,15/�781<)+?�

��������""--..33--++::116655��1155��**;;991155--9999��778866++--9999--99

�9�)�.6;5,15/�91/5):68?�:6�:0-�%��!815+173-9�6.�#;9:)15)*3-��59;8)5+-��!#���)5,�)�91/5):68?�:6�:0-�%��!815+173-9

.68�"-976591*3-��5<-9:4-5:��!"����=-�=133�+6591,-8�-5<18654-5:)3��96+1)3�)5,�/6<-85)5+-�)97-+:9�15�68,-8�:6�4--:

6;8�8-976591*131:?�:6�8-97-+:�0;4)5�81/0:9�15�6;8�159;8)5+-�;5,-8=81:15/�)5,�15<-9:4-5:�,-+19165�4)215/

786+-99-9�

���

�9:)*3190-,���-*8;)8?�����

!8-91,-5:����� �

()9;?6901��)8)9)=)

##::))::--44--55::��6655��::00--��%%������66,,--8855��##33))<<--88??����++::������

�(���#3)<-8?�)5,��;4)5�$8)..1+215/�#:):-4-5:��!���.13-�������

ここ

Respect for Human Rights > MS&AD Insurance Group Basic Policy on Human Rights

195

��>>66**77��;;220011==<<��-->>..��--22552200..77,,..

#1.��"�����7<>;*7,.��;8>9�2<�+>25-270�*�<B<=.6�/8;�1>6*7�;201=<�->.�-2520.7,.�27�*,,8;-*7,.�@2=1�=1.�$72=.-��*=287<

�>2-270� ;27,295.<�87��><27.<<�*7-��>6*7�!201=<��*7-�9.;/8;6<�->.�-2520.7,.�87�*�,87=27>8><�+*<2<�&.�@255�,*;;B�8>=�=1.

/8558@270�1>6*7�;201=<�->.�-2520.7,.�+*<.-�87�=1.��*<2,� 852,B�87��>6*7�!201=<�/8;6>5*=.-�27��.+;>*;B� ���

"#� �� �-.7=2/B�*7B�*,=>*5�*7-�98=.7=2*5�1>6*7�;201=<�;2<4<�*;2<270�/;86�=1.��;8>9D<�?*5>.�,1*27�*7-�<=*4.185-.;<

"#� �

�<<.<<�*7-�*7*5BC.�<>,1�;2<4<�2-.7=2/2.-�27�=.;6<�8/�(�)�<.?.;2=B�*7-�( )�9;8+*+252=B�8/�8,,>;;.7,.

�,;.*=287�8/�*�;2<4�6*9�

".?.;2=B�2<�*<<.<<.-�+*<.-�87�=1.�<,*5.��<,89.�*7-�-2//2,>5=B�8/�;.6.-2*=287�8/�=1.�.<=26*=.-�-*6*0.

"#� �� �.=.;627.�<2072/2,*7=�;2<4<�2-.7=2/2.-�=1;8>01�;.?2.@�8/�=1.�;2<4�6*9�*<�9;28;2=B�2<<>.<

"#� �� "=>-B�*7-�2695.6.7=�7.,.<<*;B�9;.?.7=2?.�*7-�;.6.-2*5�6.*<>;.<�*<�@.55�*<�;.?2.@�=1.�.//.,=<

�<�9*;=�8/�=1.�1>6*7�;201=<�->.�-2520.7,.��=1.��"�����7<>;*7,.��;8>9�2-.7=2/2.-�*7-�*<<.<<.-�*7B�*,=>*5�*7-�98=.7=2*5

1>6*7�;201=<�;2<4<�*,,8;-270�=8�=1.�9;8,.<<.<�>9�=8�"#� ����<�*�;.<>5=��@.�=884�*<�9;28;2=B�2<<>.<�=1.�27/;270.6.7=�8/

9;2?*,B�*;2<270�/;86�=1.�5.*4*0.�8/�9.;<87*5�27/8;6*=287�8/�,><=86.;<�*7-�8>;�.6958B..<�*7-�=1.�91B<2,*5�*7-�6.7=*5

.//.,=<�8/�.6958B..<D�5870�18>;<�8/�@8;4��.=,

#1.��"�����7<>;*7,.��;8>9�@255�9.;28-2,*55B�;.?2.@�2-.7=2/2,*=287�*7-�*<<.<<6.7=�8/�1>6*7�;201=<�;2<4<��*7-�-.=.;627.

2=<�9;28;2=B�2<<>.<�;./5.,=270�,1*70.<�27�<8,2.=B�*7-�=1.�.7?2;876.7=�=1*=�<>;;8>7-<�=1.��"�����7<>;*7,.��;8>9�*7-�=1.

?*5>.�,1*27

��>>66**77��;;220011==<<��**<<<<..<<<<66..77==��**77--��;;..66..--22**55��66..**<<>>;;..<<

�<�1>6*7�;201=<�->.�-2520.7,.�9;8,.<<��@.�,87->,=�1>6*7�;201=<�;2<4�*<<.<<6.7=��9.;28-2,*55B�6872=8;�=1.�=@8�9;28;2=B

2<<>.<��*7-�2695.6.7=�6.*<>;.<�=8�62=20*=.�=1.�;.5.?*7=�;2<4<

!.0*;-270�9.;<87*5�27/8;6*=287�9;8=.,=287��.*,1�0;8>9�,869*7B�2695.6.7=<�.<=*+52<16.7=�8/�27=.;7*5�;.0>5*=287<�

27=;8->,=287�8/�<.,>;2=B�6.*<>;.<��*7-�.->,*=287�=8�.6958B..<�*7-�*0.7,2.<��*,,8;-270�=8��"�����7<>;*7,.��;8>9��*<2,

852,B�/8;��*7*0.6.7=�8/��><=86.;��7/8;6*=287�#8�.7<>;.�=18;8>01�*<<.<<6.7=��@.�;.0>5*;5B�,87->,=�,1.,4<�*7-�*>-2=<

=8�*0.7,2.<��8>=<8>;,.-�?.7-8;<��*7-�.6958B..<�87�=1.�;.<9.,=2?.�27/8;6*=287�6*7*0.6.7=�<B<=.6<��*7-�@.�9;869=5B

9;8?2-.�,8;;.,=2?.�0>2-*7,.�*7-�=*4.�*,=287<�/8;�/>=>;.�9;.?.7=287�*0*27<=�9;8+5.6<�/8>7-�*<�*�;.<>5=�8/�=1.�,1.,4<�*7-

*>-2=<

�7�/2<,*5� �����@.�,87->,=.-�27/8;6*=287�6*7*0.6.7=�,1.,4<�*7-�*>-2=<�=8�*99;8A26*=.5B���������*0.7,2.<8>=<8>;,.-

?.7-8;<��*7-�2695.6.7=.-�,8;;.,=2?.�0>2-*7,.�=8�*+8>=�����,869*72.<

�52,4�1.;.�/8;��7/8;6*=287��*7*0.6.7=

�52,4�1.;.�/8;�=1.��"�����7<>;*7,.��;8>9��*<2,� 852,B�/8;��*7*0.6.7=�8/��>=<2-.�%.7-8;<

!.0*;-270�=1.�1.*5=1�*7-�<*/.=B�8/�8>;�.6958B..<��@.�*;.�6*4270�*�0;8>9�@2-.�.//8;=�=8�;./8;6�=1.2;�@*B�8/�@8;4270��@125.

,87=27>270�=1.�.A2<=270�6*7*0.6.7=�8/�=1.2;�@8;4�18>;<�87�*�<B<=.6��7�*--2=287��@.�.<=*+52<1.-�*�@12<=5.+58@270�<B<=.6

*7-�*�,8>7<.5270�-.<4��*7-�27�/2<,*5� ����*/=.;�,87->,=270�.6958B..�<>;?.B<�@.�@8;4.-�=8�4..9�.6958B..<�@.55�27/8;6.-

*+8>=�=1.�@12<=5.+58@270�<B<=.6�*7-�,;.*=.�*7�.7?2;876.7=�@1.;.�2=�2<�.*<B�=8�><.�=1.�,87<>5=*=287�<.;?2,.<

�52,4�1.;.�/8;�1.*5=1�6*7*0.6.7=

ここ

Respect for Human Rights > Approaches to Respecting Human Rights

196

��-->>,,**==228877��**++88>>==����>>66**77��!!220011==<<

#1.��"�����7<>;*7,.��;8>9�2<�@8;4270�87�;*2<270�*@*;.7.<<�8/�1>6*7�;201=<�=8�.6958B..<�=8�/8<=.;�*��,8;98;*=.�,>5=>;.

=1*=�;.<9.,=<�1>6*7�;201=<��<=29>5*=.-�27�=1.��*<2,� 852,B�87��>6*7�!201=<

""==;;>>,,==>>;;..��88//����-->>,,**==228877��**++88>>==����>>66**77��!!220011==<<

�7�=1.��"�����7<>;*7,.��;8>9��=1.��"!�".,=287�8/�=1.��8;98;*=.� 5*77270��.9*;=6.7=�8/�=1.�185-270�,869*7B�95*B<�*

,.7=;*5�;85.�27�9;868=270�.//8;=<�=8�;.<9.,=�1>6*7�;201=<�27<2-.�*7-�8>=<2-.�8/��*9*7��27�,855*+8;*=287�@2=1�-.9*;=6.7=<�27

,1*;0.�8/�8?.;<.*<�,86952*7,.�*7-�-.9*;=6.7=<�27�,1*;0.�8/�1>6*7�;201=<�*@*;.7.<<�27�=1.�89.;*=270�,869*72.<

�"��1*<�=1.�/8558@270�8+3.,=2?.<�

���,12.?.�*�,869*7B�,>5=>;.�+*<.-�87�=1.�91258<891B�8/�;.<9.,=270�1>6*7�;201=<�=1;8>01�=;*27270�=8�27,;.*<.�1>6*7

;201=<�*@*;.7.<<

��#;*27�.6958B..<�=8�;.<9.,=�+*<2,�1>6*7�;201=<�*7-�*,=�,87<,2.7=28><5B

#8�*,12.?.�=1.<.��=1.B�8;0*72C.�=1.�1.*-�8//2,.��>6*7�!201=<� ;868=287��.*-:>*;=.;�*7-�*=�.*,1�+;*7,1�8//2,.��>6*7

!201=<� ;868=287��8662==..�#1.��>6*7�!201=<� ;868=287��.*-:>*;=.;<�2695.6.7=<�*7-�6*7*0.<�=1.�=;*27270�9;80;*6<

/8;�*55�.6958B..<��?*52-*=.<�=1.�/..-+*,4�*7-�8927287<�8/�.6958B..<��*7-�;.?2.@<�.->,*=287�*7-�=;*27270�95*7<��=�=1.

<*6.�=26.��2=�@8;4<�=8�;*2<.�*@*;.7.<<�*6870�6.6+.;<�8/��>6*7�!201=<� ;868=287��8662==..<�*=�=1.�@8;495*,.�87�=1.

;85.�8/� ;868=287��8662==..�6.6+.;<�*7-�=1.�1>6*7�;201=<�9;868=287�<B<=.6��9;8?2-.<�27/8;6*=287�*7-�.A95*7*=287<

*+8>=�=1.�89.;*=287�8/�@8;495*,.�=;*27270�=8�*55�.6958B..<��*7-�@8;4<�=8@*;-�6*27=*27270�=1.�:>*52=B�8/�=;*27270�*=�*55

@8;495*,.<

����1*<�.<=*+52<1.-���>6*7�!201=<� ;868=287��..=270���,1*2;.-�+B�=1.�-2;.,=8;�27�,1*;0.�8/�1>6*7�;.<8>;,.<��=8�/>;=1.;

1>6*7�;201=<�*@*;.7.<<�*7-�,8;98;*=.�<8,2*5�;.<987<2+252=B��7>;=>;.�*7-�6*27=*27�27=.;7*5�,>5=>;.�=8�;.<9.,=�1>6*7�;201=<�

*7-�0;8@�.6958B..<�@2=1�1201�;.<9.,=�/8;�1>6*7�;201=<�#1.� ;868=287��..=270�-.52+.;*=.<�.6958B..

.75201=.76.7==;*27270�9;80;*6<�*7-�.A.,>=287�8>=527.<��,1.,4<�.A.,>=287�<=*=><�8/�=;*27270�9;80;*6<��*7-�?.;2/2.<

269;8?.6.7=�27�1>6*7�;201=<�*@*;.7.<<��>;=1.;68;.��=1.B�,*;;B�8>=�=;*27270<�/8;�*55�.6958B..<�*7-�=;*27270�<.<<287<�+B

;*74<�=8�9;8?2-.�.6958B..<�@2=1�8998;=>72=2.<�=8�*,,.<<�1>6*7�;201=<�2<<>.<�+;8*-5B�@125.�;.0>5*;5B�2<<>270�*�7.@<5.==.;

=2=5.-�E�274.7�78�#8+2;*F���*=.@*B�=8��>6*7�!201=<�

##;;**2277227700��8877����>>66**77��!!220011==<<

#1.��"�����7<>;*7,.��;8>9�9;8?2-.-�@8;495*,.�=;*27270�/8;�*55�.6958B..<�@2=1�,86687�=;*27270�6*=.;2*5<��27�*7�.//8;=�=8

,;.*=.�*�68;.�,86/8;=*+5.�@8;4270�.7?2;876.7=

�7�*--2=287�=8�=1.�*+8?.���"���27,5>-270�2=<�*//252*=.<��2695.6.7=.-�@8;495*,.�=;*27270��%*;28><��>6*7�!201=<��<<>.<��=8

9;868=.�6>=>*5�*@*;.7.<<�27�*,,8;-*7,.�@2=1�=1.�9;27,295.�8/�;.<9.,=270�1>6*7�;201=<��7�,877.,=287�@2=1��>6*7�!201=<

&..4��@.�27?2=.-�8>;�.6958B..<�=8�<>+62=�E�>6*7�!201=<��->,*=287�"580*7<�F�*7-�;*2<.-�*@*;.7.<<�*+8>=�1*?270

<27,.;.5B�.69*=1.=2,�;.<9.,=�/8;�1>6*7�;201=<�+B�.A9;.<<270�*7-�<1*;270�@1*=�.6958B..<�1*?.�5.*;7.-�*7-�@1*=�=1.B�/..5

87�*�-*25B�+*<2<��=1.;�272=2*=2?.<�=8�-.?.589�*7�*@*;.7.<<�8/�1>6*7�;201=<�*6870�=1.�.6958B..<�27,5>-.�;*74�+*<.-

=;*27270��=;*27270�/8;�7.@�.6958B..<��9;868=.-�.6958B..<��*7-�6*7*0.;<��*<�@.55�*<�,;.*=270�8998;=>72=2.<�/8;�<.5/�

5.*;7270�=1;8>01�.�5.*;7270

����2695.6.7=.-�@8;495*,.�=;*27270�/8;�*55�.6958B..<�,*;;2.-�8>=�=@2,.�*�B.*;�����9;8?2-.<��7=.;7.=�#%�=;*27270<�=1*=�*;.

,86687�*,;8<<�=1.��;8>9��=�1*<�;.,.2?.-�/..-+*,4�/;86�.6958B..<�*=�6*7B�@8;495*,.<��<>,1�*<�����1*?.�5.*;7=�*+8>=

6>=>*5�;.<9.,=�/8;�27-2?2->*5<�27�8;-.;�=8�9;.?.7=�1*;*<<6.7=��*<�@.55�*<�=1.�2698;=*7,.�8/�27<=;>,=287�*7-�-2*580>.�=1*=

,8;;.<987-<�=8�=1.�27-2?2->*5���*7-����1*?.�+.,86.�4..75B�*@*;.�8/�=1.�2698;=*7,.�8/�;.<9.,=270�=1.�/..5270<�8/�8=1.;<�*<

*7B87.�,*7�+.,86.�*�9.;9.=;*=8;���7�*--2=287��.�5.*;7270�=;*27270�,8>;<.<�@.;.�*5<8�,87->,=.-�/8;�*55�.6958B..<

��>6*7�!201=<�"580*7<��@.;.�,855.,=.-��*7-�,87=;2+>=.-�=8�/8<=.;270�*7�*@*;.7.<<�8/�1>6*7�;201=<�27�=1.�,869*7B��=

1*<�*5<8�,87=27>.-�=8�2695.6.7=�;*74�+*<.-�=;*27270�/8;�0.7.;*5�6*7*0.;<��7.@5B�*99827=.-�527.�6*7*0.;<��*7-�7.@

.6958B..<��@2=1�=1.�*26�8/�,;.*=270�*�,86/8;=*+5.�@8;495*,.�=1*=�;.<9.,=<�1>6*7�;201=<

ここ

Respect for Human Rights > Approaches to Respecting Human Rights

197

..;;,,..77==**00..��88//����>>66**77��;;220011==<<��==;;**2277227700��22669955..66..77==**==228877

�695.6.7=*=287�,87=.7= �' ���

�"� *;=2,29*=287�;*=.�8/�<.627*;< ���H

��� �8695.=287�;*=.�8/�.�5.*;7270 ���H

��8877<<>>55==**==228877��<<..;;??22,,..��--..<<44

#1.��"�������7<>;*7,.��;8>9�1*<�.<=*+52<1.-�*�<B<=.6�=8�;.,.2?.�?82,.<�*7-�6*4.�*99;89;2*=.�;.6.-B�,8;;.<987-.7,.

27�,*<.�8/�1>6*7�;201=<�?285*=287<

!!..9988;;==227700��""BB<<==..66��//;;8866����66995588BB....<<

�7�8;-.;�=8�9;.?.7=�255.0*5��>7/*2;�*7-�>7.=12,*5�,87->,=�/;86�+.270�7.05.,=.-�*7-�<9;.*-��=1.��"�����7<>;*7,.��;8>9�1*<

27�95*,.�*�;.98;=270�<B<=.6�=1*=�.6958B..<�,*7�-2;.,=5B�;.98;=�=1;8>01�<8�=1.�,869*7B�,*7�9;869=5B�;.,8072C.�=1.�/*,=<

*7-�=*4.�7.,.<<*;B�6.*<>;.<�&2=1�=12<�<B<=.6��=1.��;8>9�9><1.<�*1.*-�@2=1�,86952*7,.�@2=1�.=12,<��5*@<��*7-

;.0>5*=287<

#8�+.�68;.�<9.,2/2,��=1.�/8558@270�6*==.;<�*;.�<>+3.,=�=8�=1.�;.98;=270�<B<=.6

G�7B�6*==.;<�;.5*=.-�=8�787�,86952*7,.

G�6958B..�6.7=*5��91B<2,*5��1.*5=1�*7-�8=1.;�2<<>.<��,*><.-�+B�<.A>*5�1*;*<<6.7=��98@.;�1*;*<<6.7=��*7-�8=1.;�=B9.<

8/�1*;*<<6.7=<

G�7B�6*==.;<�;.5*=.-�=8�@8;4270�.7?2;876.7=��<>,1�*<�@8;4�18>;<�*7-�8?.;=26.�@8;4

&.�6*4.�.//8;=<�=8�*558@�27/8;6.;<�=8�;.*-25B�><.�=1.�<B<=.6�+B�<.==270�>9�*7�.A=.;7*5�,87=*,=�9827=�*=�*7�8>=<2-.�5*@

/2;6��7�*--2=287�@.�9;8=.,=�=1.�27/8;6.;<�+B�9*B270�*�<>//2,2.7=�*68>7=�8/�*==.7=287�=8�.7<>;.�=1.�27/8;6.;<��9;2?*,B�*7-

9;8=.,=�=1.2;�27/8;6*=287�&.�*5<8�6*4.�<>;.�=1.�27/8;6.;<�*;.�78=�=;.*=.-�-2<*-?*7=*0.8><5B

""..AA>>**55��**77--�� 88@@..;;����**;;**<<<<66..77==����8877<<>>55==**==228877

�=��"���=1.�"=*//��87<>5=*=287��//2,.�<.;?.<�*<�=1.�,1*77.5�/8;�,87<>5=*=287�*+8>=�*7-�1*7-5270�8/�<.A>*5�1*;*<<6.7=�

98@.;�1*;*<<6.7=�*7-�6*=.;72=B�1*;*<<6.7=��-2<,;2627*=287�*0*27<=�9;.07*7=�@86.7��,*<.<�&.�1*?.�*5<8�<.=�>9�*

1*;*<<6.7=�18=527.��*7-�*;.�@8;4270�=8�,;.*=.�*7�.7?2;876.7=�@1.;.�2=�2<�.*<B�=8�=*54�*+8>=�=1.<.�2<<>.<��*==.;<�*;.

*;;*70.-�<8�=1*=�.6958B..<�@18�/..5�?2,=262C.-�,*7�,87<>5=�<=*//�=1.;.�@2=1�9.*,.�8/�627-��*<.-�87�=1.�<@2/=

9.;/8;6*7,.�8/�/*,=�/27-270�27?.<=20*=287<��2=�6*4.<�,8;;.,=287<�*7-�9>72<16.7=�*<�=1.�7..-�*;2<.<�#1.�,869*7B�2<�*5<8

6*4270�.//8;=<�/8;�9;.?.7=287�<>,1�*<�+B�185-270�<.627*;<�*7-�.�5.*;7270�=8�.->,*=.�=1.�.6958B..<�*+8>=�1*;*<<6.7=

9;.?.7=287

�=������@.�1*?.�*�-.<4�.<9.,2*55B�/8;�,87<>5=*=287�*+8>=�<.A>*5�*7-�98@.;�1*;*<<6.7=�@2=127�=1.� .;<877.5��.9*;=6.7=�

*7-�1*?.�=*4.7�<=.9<�.7*+5270�=1.�.6958B..<�=8�><.�,87<>5=*=287�<.;?2,.�@2=18>=�*7B�;.5>,=*7,.�+B�95*,270�,8>7<.5270

-.<4�27�*7�.A=.;7*5�8;0*72C*=287��<�/8;�2<<>.<�=*4.7�>9��@.�?.;2/B�=1.�;.98;=�266.-2*=.5B��@.�27=.;7*55B�9>72<1�=18<.

27?85?.-�<.?.;.5B��<�/8;�9;.?.7=287��@.�98<=�98<=.;<�@2=1�,87<>5=*=287�-.<4�-.=*25<�@2=127�=1.�@8;495*,.�,*>=287270

*0*27<=�98@.;�*7-�<.A>*5�1*;*<<6.7=��=;*27270�<.<<287<�?2*�27=.;7.=�#%��87,.�*�B.*;��*7-�.�5.*;7270��87,.�*�B.*;��*7-�=1.

9>+52,*=287�8/�*;=2,5.<�87�1>6*7�;201=<�*;.�1.5-�=8�+88<=�.6958B..<�*@*;.7.<<�8/�1>6*7�;201=<

��22??..;;<<22==BB��99;;886688==228877��**77--��11..**55==11��++**<<..--��++>><<2277..<<<<��8899..;;**==228877

#1.��"�����7<>;*7,.��;8>9��*<2,� 852,B�87��>6*7�!201=<�<=29>5*=.<�=1*=�=1.��;8>9�<1*55�;.<9.,=�-2?.;<.�?*5>.<�*7-

<=;2?.�=8�,;.*=.�*�@8;4.;�/;2.7-5B�.7?2;876.7=�,87<2-.;*=.�8/�=1.�91B<2,*5�@.55�+.270�*7-�<*/.=B�8/�27-2?2->*5�.6958B..<

�8;�<9.,2/2,�272=2*=2?.<��95.*<.�<..�=1.�@.+<2=.�<18@7�+.58@

�52,4�1.;.�/8;�-.=*25<�8/�-2?.;<2=B�9;868=287�*7-�1.*5=1�+*<.-�+><27.<<�89.;*=287

ここ

Respect for Human Rights > Approaches to Respecting Human Rights

198

''���� ����%%%%��&&����((����!!""���� &&

�������&!���(��!"��'�� ��%%�&%�)�&��&����!���!�

���(�&� ��&�����(���!��"$!��%%�! ���%��!���������"�!+���

"'$%'� ����&&�$�� &��%�!""!%���&!�$���� � ���!�"���� &

)�&��&���%&�&'%�#'!��� ����*���,� ��"!)�$��&�&��

!$�� �,�&�! �����(���&�$!'���&������$���&�! �!��� ��(��'��

��"�����&��%�

'�� ��%%�&��(��!"�� &

��$$!!��!!&&��!! ��!!������((��$$%%��&&++

���������� %'$� ����$!'"������(�%�&��&���(� �����

����&�!'%���"�!+��%�&���!""!$&' �&+�&!��$!)�� �

���! %&$�&��&���$�&��� &%�&�$!'���&���$�)!$��)���������&!

&����'��� &�&�! �!���&%��!�"�&�&�(��%&$� �&��

�$!�!&�! �!���(�$%�&+

������&&�������� ���������� &&���

����� ��� ���"��%�%�! �&���"�$%"��&�(��!������&�

�� ����� &��&��������� %'$� ����$!'"�)����� ���(!$

&!��$��&��&���)!$�"������ (�$! �� &�"�+� ���'�

�! %���$�&�! �&!�����&��� ��%���&+��� �!$��$�&!���� &��

� ��"$!�!&������&�+��� �%�� ���!!���%�!�������� ��(��'��

��"�!+���

���&���� ����� &

����- ���&���� ����� &.��%���$���%&�$���&$�����$��!���!$�%�!"

�!$�&����� ����� &�!�� ���&��! �!�"� +�� ����"�!+���

ここ

Promoting Diversity in Human Assets and Health Management

199

,2�.6:�A<�12C29<=�5B:.;�.@@2A@����D6A5�A52�4<.9�<3�292C.A6;4�A52�92C29�<3�=?<32@@6<;.96@:�<3�2.05�2:=9<F22�=B?@B6;4

/2AA2?:2;A�.@�<==<@21�A<�?2:.6;6;4�0<:=9.02;A�D6A5�A52�@A.AB@�>B<�.;1�:.E6:6G6;4�=<D2?�.A�A52�<?4.;6G.A6<;.9�92C29

A5?<B45�A52�.44?24.A6<;�<3�6;16C61B.9�0.=./696A62@�

���� B:.;�.@@2A@��!;�A52�@=6?6A�<3�C.9B6;4�A52�6;16C61B.9�A52�$)����!;@B?.;02��?<B=�?232?�A<�<B?�2:=9<F22@�.@�� B:.;�.@@2A@��?.A52?�A5.;

� B:.;�?2@<B?02@��

��::==99<<FF2222����22CC2299<<==::22;;AA����<<..99@@

*52�$)����!;@B?.;02��?<B=�2;C6@6<;@�A52�612.9�2:=9<F22@�A<�/2�K�:=9<F22@�D5<�92.?;�.;1�A56;8�/F�A52:@29C2@�A.82�B=

05.992;42@�.;1�0<;A6;B2�A<�4?<D�L�*<�2;0<B?.42�2:=9<F22@�A<�D<?8�.@�=?<32@@6<;.9@�D5<�3229�=?612�.;1�.?2�@.A6@3621�D6A5

A526?�7</@�1<:2@A60��?<B=�6;@B?.;02�0<:=.;62@�21B0.A2�.;1�@B==<?A�@A.33�A5?<B45�:2.@B?2@�@B05�.@�K*?.6;6;4L

K&"*���L�.;1�K)29321B0.A6<;L�=?<4?.:@�

����&"*��&;A527</�A?.6;6;4

ここ

Promoting Diversity in Human Assets and Health Management > Human Asset Development

200

��11BB00..AA66<<;;��..;;11��**??..66;;66;;44

�<:2@A60��?<B=�6;@B?.;02�0<:=.;62@�<332?�C.?6<B@�<==<?AB;6A62@�3<?�@29321B0.A6<;�6;09B16;4�A?.6;6;4�@2@@6<;@�.;1

2EA2?;.9�0<??2@=<;12;02�0<B?@2@�A<�.@@6@A�2:=9<F22@�D6A5�A526?�@29316?20A21�92.?;6;4�.;1�12C29<=:2;A���@�=.?A�<3�<B?

�?<B=D612�6;6A6.A6C2@�D2�5.C2�/22;�<332?6;4�92.?;6;4�<==<?AB;6A62@�A<�.99��?<B=�2:=9<F22@�@6;02�[email protected]�� ���A5?<B45�A52

�$)����&=2;��<99242������.;1�A52��$)����&;96;2��B@6;2@@�)05<<9������

�;�&"*�=?<4?.:�5.@�/22;�2@A./96@521�A<�529=�;2D9F�56?21�2:=9<F22@�3.:696.?6G2�A52:@29C2@�@:<<A59F�D6A5�A52�D<?8=9.02

.;1�BA696G2�A526?�D<?8�2E=2?62;02�D5692�.0>B6?6;4�A52�8;<D92142�.;1�@8699@�A52F�;221�

!;�[email protected]�� ���D2�5291�.�<;21.F�A?.6;6;4�@2@@6<;�3<0B@21�<;�$)����@�4<.9@�3<?�A52�;2EA�36C2�F2.?@�.;1�5<D�A<�.0562C2

A52:�3<?�.99�;2D�2:=9<F22@�<3�A52�;6;2��?<B=��<:=.;62@�6;�.;�233<?A�A<�3<@A2?�.�@2;@2�<3�B;6AF�.:<;4�.99�2:=9<F22@�

������?<D�B=�A?.6;6;4�=?<4?.:�3<?�.0>B6?6;4�/B@6;2@@�@8699@�@B05�.@�=?</92:@<9C6;4�@8699@

�����#2.?;6;4�A<<9@�3<?�.0>B6?6;4�$���8;<D92142�B@6;4�:</692�12C602@

"<6;A�A?.6;6;4�3<?�;2D�2;A?F92C29�2:=9<F22@�<3����?<B=�0<:=.;62@

))BB====<<??AA��**..8866;;44��++==��AA5522����55..999922;;4422

**??..66;;2222��))FF@@AA22::

�<:2@A60��?<B=�6;@B?.;02�0<:=.;62@�5.C2�=BA�6;�=9.02�.�A?.6;22�@F@A2:�D5605�6@�.�@5<?AA2?:�=?<4?.:�A5.A�.99<D@

2:=9<F22@�A<�2E=2?62;02�D<?8�A52F�5.C2�;2C2?�1<;2�/23<?2�<?�D<?8=9.02@�A5.A�A52F�.?2�6;A2?2@A21�6;��*5?<B45�A56@

@F@A2:�2:=9<F22@�.?2�./92�A<�2E=2?62;02�A52�D<?8�<3�<A52?�12=.?A:2;A@�.;1�0<:=.;62@�D5605�6;�AB?;�92.1@�A<�3<@A2?6;4

.�4?2.A2?�@2;@2�<3�B;6AF�D6A56;�A52��?<B=�.;1�A<�@A?2;4A52;6;4�0<::B;60.A6<;�

��--���� ��������%%BB:://22??��<<33��==..??AA660066==..;;AA@@��<<33��AA5522��AA??..66;;2222��@@FF@@AA22::

H,6A56;��?<B=

0<:=.;62@!;A2?;.9

$)! �� ������

��! �� ������

$6A@B6��6?20A��2;2?.9 �

$)!��6<6�#632 � ��

$)!�'?6:.?F�#632 �� ��

����*52�;B:/2?�<3�A?.6;22@�.A�A52�52.1�12=.?A:2;A�2A0�

ここ

Promoting Diversity in Human Assets and Health Management > Human Asset Development

201

!!;;55<<BB@@22����====996600..AA66<<;;��))FF@@AA22::

$)!���!�$)!��6<6�#632�=?<C612�!;5<B@2�.==960.A6<;�@F@A2:��*56@�@F@A2:�0<;A?6/BA2@�3<?�A52�@B==<?A�<3�0.?22?/B6916;4�<3

2:=9<F22@�D5<�5.C2�.�@A?<;4�05.992;46;4�@=6?6A�.;1�5.C2�?20<?121�.�02?A.6;�.:<B;A�<3�.0562C2:2;A�6;�A526?�0B??2;A

=<@6A6<;�

�:<;4�A52:�A52��'<@A��5.992;42�)F@A2:��6@�.�7</�=<@A6;4�@F@A2:�6;�D5605�.;�2:=9<F22�0<::B;60.A2@�A<�A52�0<:=.;F

A52�12A.69@�<3�A52�0.?22?�A5.A�A52F�D.;A�A<�/B691�.;1�A526?�1?2.:@��*56@�6@�.�@F@A2:�D52?2�A52F�0.;�05.992;42�A52:@29C2@

A<�?2.96G2�A526?�4<.9@�.;1�A5?<B45�A56@�@F@A2:�D2�?2.96G2�A52�./696AF�<3�2:=9<F22@�A<�12A2?:6;2�A526?�<D;�0.?22?

12C29<=:2;A�=.A5@�

''BB??@@BB66;;44����<<..99@@

�<:2@A60��?<B=�6;@B?.;02�0<:=.;62@�5.C2�.�4<.9�:.;.42:2;A�@F@A2:�D5605�529=@�2.05�2:=9<F22�A<�=B?@B2�05.992;46;4

;2D�D<?8�.;1�?2.96G2�A526?�12C29<=:2;A�.;1�3229�:<?2�3B9369921�<;�A52�7</�

*52�2:=9<F22�.;1�56@�<?�52?�@B=2?6<?�2;4.42�6;�16?20A�16.9<4B2�@2C2?.9�A6:2@�.�F2.?��*52�</720A6C2�6@�A<�/B691�B=�A526?

0<;@2;A�.;1�3.6?;2@@�6;�A52�2F2@�<3�A52�2:=9<F22@�/F�@5.?6;4�A52�A.?42A�A.@8�.0562C2:2;A@�<3�56:�<?�52?�.;1�56@�<?�52?

0<:=.;F�.;1�A<�92.1�A526?�12C29<=:2;A�

!;�.116A6<;�A<�A52�1.69F�0<::B;60.A6<;�D6A5�@B=2?6<?@�A52F�.??.;42�<==<?AB;6A62@�3<?�16?20A�16.9<4B2�/2AD22;�A52�AD<�

*52@2�16.9<4B2@�<332?�@B==<?A�3<?�2:=9<F22@�D5<�D.;A�A<�D<?8�6;�;2D�1<:.6;@�<?�=9.F�/6442?�?<92@�@A?2;4A52;�A526?

:<A6C.A6<;@�.;1�529=�A52:�A<�3229�:<?2�3B9369921�<;�A52�7</�

!!;;66AA66..AA66CC22@@��AA<<��!!;;;;<<CC..AA22��((<<9922@@

$)!�5.@�/22;�D<?86;4�<;�A52�D<?8�@AF92�?23<?:�6;6A6.A6C2�6;�<?12?�3<?�6;16C61B.9�2:=9<F22@�A<�16@05.?42�1BA62@�.A�.;

B=4?.121�92C29�.;1�.0562C2�56452?�=?<1B0A6C6AF�.;1�4?2.A2?�0<:=2A6A6C2;2@@�A52?2/F�2;./96;4�A52�<?4.;6G.A6<;�A<�?2.96G2

@[email protected];21�4?<DA5��,2�.6:�A<�/B691�.�D<?8=9.02�2;C6?<;:2;A�<3�A52�BA:<@A�@A?2;4A5�A5.A�6@�369921�D6A5�C6A.96AF�/.@21�<;�A52

@A?<;4�=2?3<?:.;02�<3�.99�2:=9<F22@�/F�3B?A52?�?23<?:6;4�<B?�.D.?2;2@@�./<BA�D<?8�@AF92�6;A<�<;2�0<;@612?.A2�<3�A6:2�

,6A5�A52�.6:@�<3�/.9.;06;4�05.;42@�6;�D<?86;4�@AF92@�D6A5�.1:6;6@A?.A6C2�05.;42@�.;1�A<�/?6;4�./<BA�6:=?<C2:2;A@�6;�A6:2

=?<1B0A6C6AF���!�6@�=?<:<A6;4�A52��(<92�!;;<C.A6<;��6;6A6.A6C2�D5605�2;0<B?.42@�2.05�.;1�2C2?F�2:=9<F22�A<�3B99F�2E2?A

A526?�0.=./696A62@�.;1�A.82�<;�A52�05.992;42�<3�.�56452?�?.;8�<3�?2@=<;@6/696A62@���F�=?<:<A6;4�K�B@6;2@@�*?.6;6;4�L�.�D5<92

0<:=.;F�6;6A6.A6C2�3<?�5B:.;�.@@2A�12C29<=:2;A�@6;02�[email protected]�� �����!�6@�@A?6C6;4�3<?�.�3B?A52?�K(<92�!;;<C.A6<;L�/F

92C296;4�B=�K6;16C61B.9�./696A62@L�A5?<B45�2.05�6;16C61B.9�2:=9<F22J@�5645�:<A6C.A6<;�3<?�4?<DA5�.;1�05.992;46;4�@=6?6A�

**??..66;;66;;44��AA5522��%%22EEAA����22;;22??..AA66<<;;��<<33��##22..1122??@@

�<:2@A60��?<B=�6;@B?.;02�0<:=.;62@�.?2�6:=92:2;A6;4�:.;.42?�A?.6;6;4�=?<4?.:@�12@64;21�A<�=?<C612�0<:=?252;@6C2

@B==<?A�3<?�5B:.;�.@@2A�12C29<=:2;A�/F�@A?2;4A52;6;4�=.?A606=.;A@J�K:.;.42:2;A�@8699L�.;1�KD<?8=9.02�0<::B;60.A6<;

@8699�L�,6A5�A52�.6:�<3�;B?AB?6;4�A52�;2EA�42;2?.A6<;�<3�92.12?@�D5<�D699�5.C2�A52�@2;@6/696A62@�.;1�@8699@2A@�3<?�:.;.42:2;A

.;1�3<?�D<?86;4�6;�.�49</.9�0<?=<?.A6<;�$)!�.;1���!�6:=92:2;A�A?.6;6;4�=?<4?.:@�A<�529=�A52�;2EA�42;2?.A6<;�92.?;�./<BA

:.;.42:2;A�.;1�=?2=.?2�@=206360�:.;.42:2;A�=?<=<@.9@�

ここ

Promoting Diversity in Human Assets and Health Management > Human Asset Development

202

%%22DD99FF����@@AA..//9966@@552211��..;;11��!!::==??<<CC2211��**??..66;;66;;44��$$22;;BB��33<<??����22::..9922����::==99<<FF2222@@

$)!�6@�3<0B@6;4�<;�3B?A52?�12C29<=:2;A�<3�32:.92�2:=9<F22@��!;�[email protected]�� ���$)!�;2D9F�2@A./96@521�A52�K$)�$6;1B=

�2:.92�)05<<9L�3<?�F<B;4�2:=9<F22@�D5692�2;5.;06;4�A52�K$)��2:.92�#2.12?�)05<<9L�3<?�:610.?22?�2:=9<F22@�6;�<?12?

A<�2@A./96@5�A52�2;C6?<;:2;A�6;�D5605�32:.92�2:=9<F22@�0.;�/2�.0A6C2�6;�.�D612?.;46;4�36291@�.;1�3B99F�2E2?A�A526?

0.=.06A62@�.@�:.;.42?@�

��!�6@�.44?2@@6C29F�=?<:<A6;4�:<?2�.0A6C2�?<92@�<3�D<:2;��*<�=?<1B02�32:.92�2E20BA6C2@���!�6;A?<1B021�A52�K$2;A<?

)F@A2:L�6;�� ���.6:6;4�A<�=?<C612�:<?2�<==<?AB;6A62@�3<?�32:.92�:.;.42?@�.;1�2;5.;02�A526?�0<;@06<B@;2@@�./<BA

:.;.42:2;A��$<?2<C2?�A52�0<:=.;F�6;A?<1B021�A52�K�2:.92�$.;.42:2;A�)2:6;.?L�6;�[email protected]�� ���A<�=?<1B02�32:.92

2E20BA6C2@��)6;02�[email protected]�� �����!�5.@�2;5.;021�A52�0B??60B9B:�/F�6;0<?=<?.A6;4�?2@2.?052@�<;�A52:2@�A<�=?2@2;A�A52

36;16;4@�A<�16?20A<?@�2A0��$<?2<C2?�A52�0<:=.;F�.9@<�=?<C612@�<==<?AB;6A62@�A<�=.?A606=.A2�6;�=.;6;1B@A?F�2E05.;42

:22A6;4@��3<?�6;@A.;02�@2:6;.?@�3<?�:.?82A6;4�@A.33��A<�.00B:B9.A2�C.?6<B@�2E=2?62;02@�

��;;11<<??@@22����220099..??..AA66<<;;��<<;;����00AA66<<;;��//FF��AA5522��KK��??<<BB==��<<33��$$..9922��##22..1122??@@��,,55<<��,,669999����??22..AA22������))<<006622AAFF��66;;��,,55660055��,,<<::22;;

))5566;;22LL���

!;�&0A</2?�� ���A52�$)����!;@B?.;02��?<B=�2;1<?@21�A52�K�209.?.A6<;�<;��0A6<;�/F�A52��?<B=�<3�$.92�#2.12?@�,5<

,699��?2.A2���)<062AF�6;�,5605�,<:2;�)56;2L�@B==<?A21�/F��2;12?��>B.96AF��B?2.B��./6;2A�&33602��,6A5�A52�A<=

:.;.42:2;A�A52:@29C2@�.==2.96;4�A<�<BA@612�A52�0<:=.;F�D2�D699�3B?A52?�=?<:<A2�.0A6C2�?<92@�<3�D<:2;�

�����209.?.A6<;�<;��0A6<;�/F�A52�K�?<B=�<3�$.92�#2.12?@�,5<�,699��?2.A2���)<062AF�6;�,5605�,<:2;�)56;2L

!;�$.?05�� ���A52�K�<B;069�3<?�)B==<?A6;4�,<:2;�A<�)56;2L�D.@�5291�.A�=?6:2�:6;6@A2?J@�<33602��!A�@A.?A21�A52�:<C2:2;A�A<�@B==<?A�D<:2;

D5<�.?2�@56;6;4�<?�@A?6C6;4�A<�@56;2�6;�C.?6<B@�?246<;@�.;1�36291@�

!;�"B;2�� ���:.92�92.12?@�D5<�5.1�/22;�.44?2@@6C29F�=?<:<A6;4�.0A6C2�?<92@�<3�D<:2;�4.A52?21�.;1�3<?:B9.A21�A52��209.?.A6<;�<;��0A6<;�/F

A52�K�?<B=�<3�$.92�#2.12?@�,5<�,699��?2.A2���)<062AF�6;�,5605�,<:2;�)56;2L�D5605�@2A@�<BA�@=206360�.0A6C6AF�4B61296;2@���<:=?6@6;4�A52

A5?22�=699.?@��K*.86;4�.0A6<;@�.;1�@2;16;4�:2@@.42@�<B?@29C2@L�K�6@?B=A6;4�A52�@A.AB@�>B<L�.;1�K�2C29<=6;4�;2AD<?86;4�L�A52��209.?.A6<;

<;��0A6<;�5.@�.;;<B;021�A5.A�:.92�92.12?@�D699�A.82�@=206360�.0A6<;@�6;�<?12?�3<?�D<:2;�A<�5.C2�56452?�:<A6C.A6<;@�.;1�2E2?A�A526?�./696A62@�A<

A52�:.E6:B:�2EA2;A�

��22CC2299<<==66;;44����99<<//..99�� BB::..;;����@@@@22AA@@

*<�3<@A2?�A52�12C29<=:2;A�<3�6;A2?;.A6<;.9�@=206.96@A@�2>B6==21�D6A5�.;�./B;1.;02�<3�0<@:<=<96A.;�@2;@2�.;1�2E=2?A6@2�6;

2.05�36291�$)!�5.@�6:=92:2;A21�A52�$)��B@6;2@@�+;6C2?@6AF�.�A?.6;6;4�@F@A2:�3<?�7</�A?.6;6;4�/B@6;2@@�@8699@�.;1

96;4B6@A60�@8699@�5291�<C2?@2.@��@B05�.@�<C2?@2.@�@B/@616.?62@��3<?�<;2�F2.?�6;�=?6;06=92��!;�[email protected]�� ������2:=9<F22@�D2?2

16@=.A0521�B;12?�A56@�=?<4?.:���B?A52?:<?2�D6A5�A52�.6:�<3�2E=.;16;4�6A@�/.@2�<3�49</.9�5B:.;�?2@<B?02@�A52���9</.9

B:.;�(2@<B?02�!;A?<1B0A<?F��<B?@2��6@�.9@<�6:=92:2;A21�A<�=?<:<A2�B;12?@A.;16;4�<3�A52�:6;1@2A�.;1�@8699@�A5.A�.?2

?2>B6?21�<3�49</.9�5B:.;�?2@<B?02@�

��!�6:=92:2;A@�=?<4?.:@�@B05�.@�A52�16@=.A05�=?<4?.:�A<�<C2?@2.@�@B/@616.?62@�D5605�.99<D@�2:=9<F22@�A<�2E=2?62;02

D<?86;4�3<?�<;2�F2.?�.A�.;�<C2?@2.@�@B/@616.?F�.;1�A52�$���16@=.A05�@F@A2:�� $���!�)$����D52?2�2:=9<F22@�.?2

16@=.A0521�A<� 6A<A@B/.@56�+;6C2?@6AF��*52�.6:�<3�<?4.;6G6;4�@B05�=?<4?.:@�6@�A<�12C29<=�5B:.;�?2@<B?02@�D5<�.?2�./92

A<�@B==<?A�A52�2E=.;@6<;�<3�49</.9�/B@6;2@@2@�6;�C.?6<B@�36291@�/<A5�6;�".=.;�.;1�./?<.1�

ここ

Promoting Diversity in Human Assets and Health Management > Human Asset Development

203

)02;2�<3�9<0.9�2:=9<F22@�3?<:�<C2?@2.@�/.@2@

=.?A606=.A6;4�6;�A52�=?<4?.:�6;�".=.;

��99<<//..99��**??..66;;2222��))FF@@AA22::

$)!�6:=92:2;A@�A52���9</.9�*?.6;22�)F@A2:��D5605�.99<D@�2:=9<F22@�<3

A52�52.1�<33602�A<�2E=2?62;02�D<?86;4�.A�<C2?@2.@�/.@2@�.@�D299�.@�9<0.9

2:=9<F22@�.A�<C2?@2.@�/.@2@�A<�2E=2?62;02�D<?86;4�.A�A52�52.1�<33602�

*56@�0<;A?6/BA2@�A<�A52�2E=.;@6<;�<3�A52�49</.9�5B:.;�?2@<B?02�/.@2

6;A2?;.A6<;.96G.A6<;�<3�A52�52.1�<33602�16C6@6<;@�.@�D299�.@�:BAB.9

2E05.;42�.;1�B;12?@A.;16;4�/2AD22;�".=.;�.;1�<A52?�0<B;A?62@�

!;�[email protected]�� ���.�A<A.9�<3����2:=9<F22@�3?<:�".=.;�.;1����9<0.9

2:=9<F22@�3?<:�<C2?@2.@�/.@2@��.00B:B9.A21�A<A.9�.3A2?�[email protected]�� � �����

1<:2@A60�2:=9<F22@�.;1��� �9<0.9�2:=9<F22@�3?<:�<C2?@2.@�/.@2@��:.12

B@2�<3�A52��9</.9�*?.6;22�)F@A2:�

%%BB:://22??��<<33��==..??AA660066==..;;AA@@��<<33��AA5522����99<<//..99��**??..66;;2222��))FF@@AA22::

H �-�� � �-�� �� �-�� �� �-�� �� �-�� �� �-�� �� �-�� �� *<A.9

�<:2@A60��:=9<F22@ �� �� �� �� �� �� �� ���

#<0.9��:=9<F22@�.A�&C2?@2.@��.@2@ �� �� �� �� �� �� �� ��

**22::==<<??..??FF��**??..;;@@3322??��))FF@@AA22::��AA<<�� 22..11>>BB..??AA22??@@��33??<<::��&&CC22??@@22..@@����??..;;005522@@

$)!�.002=A@�A52�@20<;1:2;A�<3�9<0.9�2:=9<F22@�3?<:�<C2?@2.@�/.@2@�6;A<�A52�6;A2?;.A6<;.9�12=.?A:2;A�.;1�@<:2

12=.?A:2;A@�6;��.@A��@6.�.;1�!;16.�16C6@6<;@�.A�A52�52.1�<33602���F�[email protected]�� ������2:=9<F22@�3?<:�<C2?@2.@�/.@2@�5.C2

:.12�B@2�<3�A56@�=?<4?.:�A<�D<?8�6;�".=.;�

*52�@20<;121�2:=9<F22@�5.C2�=9.F21�.;�.0A6C2�?<92�.A�A52�12=.?A:2;A@�A52F�D2?2�16@=.A0521�A<�.;1�6:=?<C6;4�A52

>B.96AF�.;1�2336062;0F�<3�D<?8�=?<02@@2@��*52�@F@A2:�5.@�.9@<�0<;A?6/BA21�A<�A52�.1C.;02:2;A�<3�49</.96G.A6<;�A5?<B45

A52�=?<02@@�<3�12C29<=6;4�.;�2;C6?<;:2;A�A5.A�A52�@20<;121�2:=9<F22@�0.;�=9.F�.;�.0A6C2�?<92�6;�

*<�A52�@20<;121�2:=9<F22@�A52�=?<4?.:�=?<C612@�.;�6;C.9B./92�<==<?AB;6AF�3<?�B;12?@A.;16;4�A52�3B;0A6<;@�.;1�.AA6AB12@

<3�A52�52.1�<33602�A5?<B45�A52�=?.0A60.9�6:=92:2;A.A6<;�<3�A52�:.;.42:2;A�=569<@<=5F��:6@@6<;��:.;.42:2;A�C6@6<;�.;1

.0A6<;�4B61296;2@��C.9B2@��<3�A52�$)����!;@B?.;02��?<B=�

�B?A52?:<?2�.0A6C2�2E05.;42@�.?2�.9@<�.0562C21�A5?<B45�A52�5<916;4�<3�2C2;A@�@B05�.@�@2:6;.?@�D6A5�<A52?�12=.?A:2;A@

A5.A�AF=60.99F�5.C2�96AA92�0<;A.0A�D6A5�<C2?@2.@�0<:=.;62@�A52?2/F�0<;A?6/BA6;4�A<�2;5.;06;4�:BAB.9�B;12?@A.;16;4�

%%BB:://22??��<<33��==..??AA660066==..;;AA@@��<<33��AA22::==<<??..??FF��AA??..;;@@3322??��@@FF@@AA22::��AA<<��5522..11>>BB..??AA22??@@��33??<<::��<<CC22??@@22..@@��//??..;;005522@@

H �-�� �� �-�� �� �-�� �� �-�� �� �-�� �� �-�� �� *<A.9

#<0.9��:=9<F22@�.A�&C2?@2.@��.@2@ � �� �� �� �� �� ��

ここ

Promoting Diversity in Human Assets and Health Management > Human Asset Development

204

'.?A606=.;A@�3?<:�.?<B;1�A52�D<?91

�D.?1�=?2@2;A.A6<;�02?2:<;F�6;�=?<4?2@@

$$2222AA66;;44��<<33����99<<//..99����<<::==9966..;;0022����<<;;AA??<<999922??@@

*52�$)����!;@B?.;02��?<B=�.==<6;A@�.��<:=96.;02��<;A?<992?�05.?421

D6A5�=?<:<A6;4�0<:=96.;02�.A�6A@�<C2?@2.@�.0A6C6A62@��!;�<?12?�A<�2;@B?2

0<:=96.;02�=?<:<A6<;�.A�.99�4?<B=�0<:=.;62@�6;@612�.;1�<BA@612�".=.;�.

4?<B=�A?.6;6;4�=?<4?.:�3<?�.99�;<;".=.;/.@21��<:=96.;02��<;A?<992?@�6@

5291�.A�A52�".=.;�52.1>B.?A2?@�

�AA2;121�/F�./<BA�� �=2<=92�3?<:�0<B;A?62@�A2??6A<?62@�A<A.96;4����A52

A?.6;6;4�=?<4?.:�3<?�[email protected]�� ���.99<D21�A52�=.?A606=.;A@�A<�92.?;�./<BA

0<:=96.;02�:.AA2?@�/26;4�@B/720A21�A<�6;0?2.@6;49F�@A?60A2?�?24B9.A6<;@

B;12?�A52�A52:2@�<3�/?6/2?F�.;1�:<;2F�9.B;12?6;4�=?2C2;A6<;@����4?<B=

16@0B@@6<;�A<<8�=9.02�B;12?�A52�A52:2�<3�=?<.0A6C2�0<:=96.;02��$<?2<C2?�A52�=.?A606=.;A@�2E05.;421�<=6;6<;@�<;�D5.A

D.@�?2>B6?21�3<?�=?<:<A6;4�0<:=96.;02�/F�.12>B.A29F�.@02?A.6;6;4�924.9�.;1�?24B9.A<?F�A?2;1@�.@�D299�.@�05.;42@�6;�@<06.9

;221@�0<;02?;6;4�0<?=<?.A2�.0A6C6A62@��*5B@�A56@�A?.6;6;4�@2@@6<;�@2?C21�.@�.;�<==<?AB;6AF�A<�0<;@612?�6:=?<C6;4�A52

6;6A6.A6C2�6;�9645A�<3�A52�2;C6?<;:2;A�6;�16332?2;A�0<B;A?62@�A2??6A<?62@�

<<;;<<??2211��DD66AA55��AA5522����::==99<<FF22??����EE0022999922;;0022��<<33����5566;;..��II����<<::==..;;FF��**??..66;;66;;44��$$<<112299��..DD..??11

$6A@B6�)B:6A<:<�!;@B?.;02���56;.���<:=.;F�#6:6A21�.��56;.�@B/@616.?F

<3�$)!�D.@�5<;<?21�D6A5��:=9<F2?��E02992;02�<3��56;.�I��<:=.;F

*?.6;6;4�$<129�.D.?1�6;�A52�K�:=9<F2?��E02992;02�<3��56;.L�0<;A2@A

@=<;@<?21�/F�"&��!%����)�6;��202:/2?�� ����*52�0<;A2@A�<33606.9@

05<@2�� ��<BA@A.;16;4�0<:=.;62@�.@�0.;161.A2@�3?<:�.:<;4�@<:2

�� �2;A2?=?6@2@��*52�./<C2:2;A6<;21�@B/@616.?F�D.@�A52�@<92

".=.;2@2�I<D;21�0<:=.;F�.:<;4����.D.?1�D6;;2?@�1B2�A<�A52�5645

?20<4;6A6<;�6A�D.@�46C2;�3<?�C.?6<B@�A?.6;6;4�6;6A6.A6C2@�B;12?�6A@�0<?=<?.A2

/B@6;2@@�@A?.A24F��*52@2�.D.?1�D6;;2?@�D2?2�56459F�=?.6@21�3<?�;6;2�6A2:@

0<:=?6@6;4�=2?@<;;29�.33.6?@�@A?.A24F�?20?B6A:2;A�;2D�4?.1B.A2

?20?B6A:2;A�<?4.;6G.A6<;�0.=./696AF�0<?=<?.A2�A?.6;6;4�2:=9<F22�4?<DA5

0<::B;60.A6<;�<?4.;6G.A6<;�.;1�0<?=<?.A2�@<06.9�?2@=<;@6/696AF�0<;02?;6;4�392E6/92�5B:.;�?2@<B?02�:.;.42:2;A�.�82F

0<;02=A�<3�A52�[email protected]�� ���0<;A2@A��$6A@B6�)B:6A<:<�!;@B?.;02���56;.���<:=.;F�#6:6A21�D699�0<;A6;B2�A<�D<?8�5.?1�6;

3BAB?2�A<�12C29<=�16C2?@2�5B:.;�.@@2A@�A52�1?6C2?�<3�0<?=<?.A2�C.9B2�0?2.A6<;�

ここ

Promoting Diversity in Human Assets and Health Management > Human Asset Development

205

+A�BDA?AF7�F:7� DAGB�?3@397?7@F�;@�AD67D�FA�5AB7�I;F:�5:3@97E�;@�F:7�9>A43>�7@H;DA@?7@F�;F�;E�;?BADF3@F�FA�BDA?AF7

F73?IAD=�3?A@9�;@6;H;6G3>�7?B>AK77E�I;F:�6;H7DE7�E=;>>E�3@6�H3>G7E��+:7� DAGB�47>;7H7E�F:3F�9;H;@9�3>>�3?4;F;AGE

7?B>AK77E�F:7�ABBADFG@;FK�FA�9DAI�3@6�67?A@EFD3F7�F:7;D�F3>7@FE�F:DAG9:�F:7;D�IAD=�I;>>�>736�FA�F:7�3G9?7@F3F;A@�A8�;FE

5A?B7F;F;H7�EFD7@9F:�

++::77��&&GG??4477DD��AA88����??BB>>AAKK7777EE

��00���� ��������&&GG??4477DD��AA88��77??BB>>AAKK7777EE����,,@@;;FF����((77AABB>>77��33EE��AA88��%%33DD55::���������� ������

%*" ����

��" �� ��

%;FEG;��;D75F� 7@7D3> ���

%*"��;A;�$;87 ����

%*"�(D;?3DK�$;87 ���

%*����!A>6;@9E ���

'H7DE73E�"@EGD3@57��88;>;3F7E�3@6�AF:7DE � �

++AAFF33>> �� ������

�7F3;>76�"@8AD?3F;A@

!!;;DD;;@@99��AA88��&&77II�� DD3366GG33FF77EE

,@67D�F:7�5A@57BF�A8��+AG9:�*B;D;FE��;9�!73DF��%*"�5A@6G5FE�B7AB>757@F7D76�:;D;@9�BD35F;57E�;@�355AD63@57�I;F:�F:7

43E;5�BA>;5K�F:3F�EF;BG>3F7E�AB7@�7CG3>�3@6�83;D�D75DG;F?7@F��.7�3;?�FA�:;D7�:G?3@�3EE7FE����I:A�:3H7�3@�;@F7D@3F;A@3>

B7DEB75F;H7�3@6�53@�5D73F7�3�@7I�7D3�I;F:�F:7;D�AI@�5D73F;H;FK�3@6�;@;F;3F;H7�

+A�475A?7�3�5A?B3@K�EF38876�4K�5:77D8G>�3@6�6K@3?;5�7?B>AK77E�EGBBADF;@9�5GEFA?7DE�I;F:�F:7�GF?AEF�788ADF���"�:3E

477@�7@93976�;@�D75DG;F;@9�35F;H;F;7E�G@67D�F:7�E>A93@�A8�O.:3F�;@EB;D7E�KAG�P�+:7�5A?B3@K�E77=E�FA�:;D7�:;9:>K

7@F7DBD;E;@9�B7DEA@E�A8�6;H7DE7�3@6�@AF7IADF:K�;@6;H;6G3>;FK�873FGD7E�D793D6>7EE�A8�F:7;D�@3F;A@3>;FK�3@6�97@67D�

����!G?3@�3EE7FE���F�F:7�%*����"@EGD3@57� DAGB�;@�F:7�EB;D;F�A8�H3>G;@9�F:7�;@6;H;6G3>�I7�D787D�FA�AGD�7?B>AK77E�3E��!G?3@�3EE7FE��D3F:7D

F:3@��!G?3@�D7EAGD57E��

ここ

Promoting Diversity in Human Assets and Health Management > Promotion of Diversity

206

"@F7D@E:;B�35F;H;F;7E�G@67DI3K

.;F:�F:7��J57>>7@57��I3D6�.;@@7D�+73?

""@@FF77DD@@EE::;;BB

%*"�;?B>7?7@FE�3�%*"�;@F7D@E:;B�BDA9D3?�8DA?�F:7�EF3@6BA;@F�A8�@GDFGD;@9

:G?3@�3EE7FE�;@�5A>>34AD3F;A@�47FI77@�;@6GEFDK�3@6�35367?;3���K

5A?B>7F;@9�F:;E�BDA9D3?�B3DF;5;B3@FE�53@�7JB7D;7@57�F:7�EA5;3>

E;9@;8;53@57�A8�@A@>;87�;@EGD3@57�3E�I7>>�3E�F:7�IAD=�A8�F:7�E3>7E

67B3DF?7@F�3@6�F:7�63?397�5>3;?�EGBBADF�67B3DF?7@F��"@�8;E53>�� ��

3BBDAJ;?3F7>K��� �EFG67@FE�B3DF;5;B3F76�;@�F:7�BDA9D3?�@3F;A@I;67�%*"

5A@FD;4GF7E�FA�F:7�9DAIF:�A8�F:7�EFG67@FE�4K�BDAH;6;@9�F:7�?76;G?�3@6

>A@9F7D?�FKB7�;@F7D@E:;B�A8�9DAGB�IAD=�FKB7�E;F7�3557BF3@57�FKB7�7F5�

�?3J����63KE��

��"�:3E�477@�5A@6G5F;@9�FIA�FKB7E�A8�;@F7D@E:;B�BDA9D3?E�5A?BD;E;@9����

$7FF7D�A8��:3>>7@9;@9�+3E=�4K��AEE�3�B>3@@;@943E76�;@F7D@E:;B�G@67D�F:7�F:7?7�A8�+7>7?3F;5E�"@EGD3@57��3@6�����AEE

�39��3DD;7D�3�BD35F;53>�IAD=�7JB7D;7@5743E76�;@F7D@E:;B�;@HA>H;@9�3�8G>>63K�355A?B3@;?7@F�E7DH;57�I;F:�3�E3>7E

4GE;@7EE�G@;F�?3@397D�AD�4D3@5:�?3@397D��+:7��AEE��39��3DD;7D�BDA9D3?�;E�3;?76�FA�3>>AI�F:7�;@F7D@�FA�93;@�3@�;@67BF:

G@67DEF3@6;@9�A8�F:7�E;9@;8;53@57�3@6�3BB73>�A8�BDAB7DFK�3@6�53EG3>FK�;@EGD3@57�F:DAG9:�IAD=B>357�7JB7D;7@57��+:7�8;E53>

� ���;@F7D@E:;B�BDA9D3?E�I7D7�B3DF;5;B3F76�;@�4K�3�5A?4;@76�FAF3>�A8�����EFG67@FE�

**BBAA@@EEAADDEE::;;BB��AA88��FF::77��&&;;====77;;����33DD7777DD����::33>>>>77@@9977��((DDAA99DD33??��''DD9933@@;;LL7766��44KK��&&;;====77;;��""@@55��

"@�� ���I7�EBA@EAD76�F:7�&;==7;��3D77D��:3>>7@97�(DA9D3?�AD93@;L76�4K

&;==7;�"@5��+:;E�7H7@F�3;?E�FA�;?BDAH7�F:7�7?B>AK?7@F�AGF>AA=�8AD

G@;H7DE;FK�EFG67@FE��"@�F:7�FIA?A@F:�BDA9D3?�EFG67@FE�IAD=�;@�F73?E�FA

F35=>7�5:3>>7@97E�E7F�4K�F:7�5A?B3@;7E��+:7�5:3>>7@97�E7F�4K�F:7�%*���

"@EGD3@57� DAGB�I3E�FA��5D73F7�3�@7I�E7DH;57�F:7�%*"� DAGB�I;>>�BDAH;67

8AD�EA5;7FK�;@�� � ����6H;E7DE�I7D7�E7>75F76�8DA?�735:�A8�F:7� DAGB

5A?B3@;7E��%*"���"�%*"��;A;�$;87�%;FEG;��;D75F� 7@7D3>�3@6�%*"

(D;?3DK�$;87��FA�BDAH;67�F:7�@757EE3DK�;@8AD?3F;A@�3@6�36H;57�8AD�F35=>;@9

F:7�5:3>>7@97�3@6�FA�7@5AGD397�F:7�9DAIF:�A8�B3DF;5;B3F;@9�EFG67@FE�

ここ

Promoting Diversity in Human Assets and Health Management > Promotion of Diversity

207

11##AA;;@@FF����7755>>33DD33FF;;AA@@22

.7�I;>>�35F;H7>K�IAD=�FA�D73>;L7�F:7�H;E;A@�A8�F:7��&7JF��:3>>7@97�� ����3;?;@9

8AD�AGD�@7I�9DAIF:�I;F:AGF�>;?;F;@9�AGDE7>H7E�

����"@�EGBBADF�A8�53D77D�67H7>AB?7@F�I7�I;>>�7@:3@57�AGD�=@AI>7697�3@6�BDAH;67

ABBADFG@;F;7E�FA�4DA367@�AGD�8;7>6�A8�H;E;A@�

����"@�EGBBADF�A8�43>3@5;@9�AGD�IAD=�I;F:�>;87�I7�I;>>�;?B>7?7@F�?73EGD7E�FA

3EE;EF�3?4;F;AGE�7?B>AK77E�FA�5A@F;@G7�IAD=;@9�I:;>7�?77F;@9�AF:7D�>;87

5A??;F?7@FE�

����"@�EGBBADF�A8�5D73F;@9�3�BDA6G5F;H7�IAD=B>357�3F?AEB:7D7�I7�I;>>�8AEF7D�3@

7@H;DA@?7@F�F:3F�7@5AGD397E�IA?7@�FA�F3=7�5:3>>7@97E�

((DDAA??AAFF;;@@99��FF::77����33DD7777DD����77HH77>>AABB??77@@FF��AA88��..AA??77@@

+:7�%*����"@EGD3@57� DAGB�5A@E;67DE�;F�;?BADF3@F�F:3F�87?3>7�7?B>AK77E�F3=7�A@�5:3>>7@97E�3@6�4;997D�DA>7E�;@�F:7

IAD=B>357�4K�GF;>;L;@9�F:7;D�AI@�36H3@F397E�3@6�5:3D35F7D;EF;5E��+:;E�>736E�FA�F:7�9DAIF:�A8�4AF:�F:7�7?B>AK77E�3@6�F:7

5A?B3@K��%*"���"�%*"��;A;�$;87�7EF34>;E:76�3�BDA87EE;A@3>�F73?�3@6�F:7K�3EE;EF�F:7�53D77D�67H7>AB?7@F�9AA6�IAD=>;87

43>3@57�A8�87?3>7�7?B>AK77E�3@6�5D73F7�IAD=B>357�7@H;DA@?7@FE�F:3F�53@�EGBBADF�F:;E��"@�#G>K�� ���F:7�%*���

"@EGD3@57� DAGB�7EF34>;E:76�3�<A;@F�675>3D3F;A@�8AD�BDA?AF;A@�A8�87?3>7�7?B>AK77E�3@6�:3E�477@�5A@6G5F;@9�35F;H;F;7E�FA

EGBBADF�IA?7@�;@�F:7;D�53D77D�3EB;D3F;A@E�

'@�F:7�43E;E�A8�F:7�<A;@F�675>3D3F;A@�EB75;3>;EF�F73?E�I;F:;@�F:7�6A?7EF;5� DAGB�;@EGD3@57�5A?B3@;7E�:3H7�BAEF76�F:7

9A3>E�8AD�AGD�35F;A@E�<A;@F>K�3@6�36H3@576�AGD�3BBDA35:7E�

�E�3�D7EG>F�F:7D7�3D7�@AI�����IA?7@�;@�?3@397D;3>�DA>7E�35DAEE�F:7�8;H7� DAGB�;@EGD3@57�5A?B3@;7E�I;F:�IA?7@�?3=;@9

GB�3BBDAJ;?3F7>K������A8�3>>�?3@397?7@F�BAE;F;A@E��5A?B3D76�FA������;@�F:7�>3EF�8;E53>�K73D�

�GDF:7D?AD7�;@��BD;>�� �����"�E3I�F:7�;@3G9GD3F;A@�A8�;FE�8;DEF�87?3>7�7J75GF;H7�A88;57D�

+:7�%*����"@EGD3@57� DAGB�I;>>�53DDK�A@�;@�8;E53>�� ���FA�BDA?AF7�F:7�EG557EE�A8�IA?7@�

++DD33;;@@;;@@99��88AADD����77??33>>77��$$77336677DDEE��88AADD��FF::77��&&77JJFF�� 77@@77DD33FF;;AA@@

*;@57�8;E53>�� � �F:7��E7?;@3D�8AD�IA?7@��:3E�477@�:7>6�F3D97F;@9�34AGF�� �87?3>7�7?B>AK77E�I:A�:3H7�477@

53@6;63F7E�8AD�87?3>7�>7367DE�8AD�F:7�@7JF�97@7D3F;A@�;@�6A?7EF;5� DAGB�;@EGD3@57�5A?B3@;7E���K�BDAH;6;@9�ABBADFG@;F;7E

FA�G@67DEF3@6�F:7�7JB3@6;@9�IA?7@�E�DA>7E�I7�EGBBADF�F:7�53D77D�67H7>AB?7@F�A8�AGD�87?3>7�EF388�I:A�5:3>>7@97

F:7?E7>H7E�

%*"�;E�7JB3@6;@9�F:7�@G?47D�A8�87?3>7�7?B>AK77E�I:A�53@�3;?�8AD�3�?3@397?7@F�BAE;F;A@�4K�36?;@;EF7D;@9�F:7��%*"

�7?3>7�$7367DE�*5:AA>��8AD�?3@397?7@F�BAE;F;A@�53@6;63F7E�FA�?3EF7D�4GE;@7EE�=@AI>7697�3@6�>7367DE:;B�E=;>>E�EG5:�3E

?3@397?7@F�E=;>>E�3@6�36?;@;EF7D;@9�F:7�O%*�%;@6GB��7?3>7�*5:AA>P�8AD�KAG@9�7?B>AK77E����"�8AEF7DE�@7JF97@7D3F;A@

87?3>7�>7367DE�4K�:A>6;@9�F:7���3D77D�,B�*7?;@3D��8AD�3EE;EF3@F�E75F;A@�?3@397DE�FA�BDA?AF7�7J5:3@97�I;F:�87?3>7

?3@397D;3>�EF388�I:A�53@�35F�3E�DA>7�?A67>E�

ここ

Promoting Diversity in Human Assets and Health Management > Promotion of Diversity

208

&&GG??4477DD��33@@66��EE::33DD77��AA88��??33@@339977??77@@FF��BBAAEE;;FF;;AA@@EE�����AA5555GGBB;;7766��44KK��IIAA??77@@

����EE��AA88����BBDD;;>>������88AA>>>>AAII;;@@99��FF::77��77@@66��AA88��773355::��88;;EE5533>>��KK7733DD��88;;99GGDD77EE��;;@@��BB33DD77@@FF::77EE77EE��;;@@66;;5533FF77

@@GG??4477DD��AA88��BBAAEE;;FF;;AA@@EE��

�;H7DE;FK�%3@397?7@F�*7>75F;A@��

&&GG??4477DD��33@@66��**::33DD77��AA88��%%33@@339977??77@@FF��((AAEE;;FF;;AA@@EE��''5555GGBB;;7766��44KK��..AA??77@@

M �0�� �� �0�� �� �0�� �� �0�� �� �0�� ��

%*" ����Q� R ����Q�� R �� �Q���R ����Q� �R ����Q���R

��" ����Q���R ����Q���R ����Q���R ����Q���R ����Q���R

%;FEG;��;D75F� 7@7D3> ����Q�R ����Q�R ����Q�R ����Q�R �����Q�R

%*"��;A;�$;87 ����Q�R ����Q�R ����Q� R ����Q��R ����Q��R

%*"�(D;?3DK�$;87 ����Q� R ����Q� R ����Q��R ����Q��R ����Q��R

����+:7�@G?47D�A8�IA?7@�;@�BAE;F;A@E�A8�?3@397D�AD�:;9:7D

**GGBBBBAADDFF��88AADD����;;HH77DDEE77��..AADD==��**FFKK>>77EE

((DDAAHH;;EE;;AA@@EE��88AADD����::33@@9977��AA88��((>>335577��AA88����??BB>>AAKK??77@@FF

%*"�3@6���"�:3H7�;@FDA6G576�BDAH;E;A@E�8AD�3�5:3@97�A8�B>357�A8�7?B>AK?7@F��+:7�BDAH;E;A@E�7@34>7�3D73EB75;8;5

7?B>AK77E����FA�?AH7�3@6�5A@F;@G7�IAD=;@9�8AD�F:7�5A?B3@K�;@EF736�A8�CG;FF;@9�I:7@�F:7K�3D7�5A?B7>>76�FA�?AH7�8AD

D73EA@E�EG5:�3E�F:7�FD3@E87D�A8�F:7;D�EBAGE7�F:7�?3DD;397�AD�53D7�A8�B3D7@F��+:;E�BDAH;E;A@�;E�:7>B;@9�FA�EGBBADF

7?B>AK77EN�IAD=>;87�43>3@57�3E�I7>>�3E�FA�EF7?�F:7�788>GJ�A8�8;DEFD3F7�B7DEA@@7>�

�����D73EB75;8;5�7?B>AK77E��7?B>AK77E�I:A�3D7�@AF�EG4<75F�FA�FD3@E87D�7@F3;>;@9�3�5:3@97�A8�D7E;67@57

))77::;;DD;;@@99��((DDAA99DD33??����))77::;;DD77??77@@FF��AA88����??BB>>AAKK7777EE��II::AA��))77FF;;DD7766��88AADD��((77DDEEAA@@33>>��))7733EEAA@@EE��

%*"�:3E�3�B7DEA@@7>�EKEF7?�8AD�D7:;D;@9�8AD?7D�3D73EB75;8;5�7?B>AK77E�I:A�>78F�F:7�5A?B3@K�A@�355AG@F�A8�>;87�7H7@F

EG5:�3E�?3DD;397�5:;>64;DF:�AD�53D7�A8�B3D7@F�3@6�?3=7E�;F�73E;7D�8AD�:;9:>K�?AF;H3F76�BD7H;AGE�87?3>7�7?B>AK77E�FA

D73BB>K�38F7D�8;@;E:;@9�5:;>653D7���AD�87?3>7�7?B>AK77E�A8�F:7�E3?7�;@6GEFDK�F:7�E3?7�BA>;5K�:3E�477@�3BB>;76�FA�?3=7

F:7�47EF�GE7�A8�F:7;D�7JB7D;7@57�4K�A887D;@9�F:7?�47FF7D�F7D?E�

��"�:3E�3��D7:;D;@9�EKEF7?�A8�D7F;D76�8AD?7D�7?B>AK77E��I:;5:�;E�BDAH;676�FA�F:AE7�8AD?7D�7?B>AK77E�I:A

D7F;D76�D7E;9@76�6G7�FA�57DF3;@�>;87�7H7@FE�6GD;@9�F:7;D�IAD=;@9�53D77D��5:;>64;DF:�5:;>6�D73D;@9�83?;>K�53D7�EBAGE7�E

FD3@E87D�7F5�����I:7@�F:7K�53@�D7FGD@�FA�IAD=��+:;E�EKEF7?�53@�BGF�F:7�8AD?7D�7?B>AK77E��=@AI>7697�3@6�E=;>>E�FA�47FF7D

GE7�393;@�

%;FEG;��;D75F� 7@7D3>�:3E�;@FDA6G576�3�OD7:;D;@9�EKEF7?�43E76�A@�3BB>;53F;A@EP�;@�I:;5:�8AD?7D�7?B>AK77E�53@�D7FGD@�FA

F:7�BAE;F;A@�3F�F:7�F;?7�A8�D7E;9@3F;A@�4K�3BB>;53F;A@�I;F:;@�3�57DF3;@�B7D;A6�A8�F;?7�38F7D�D7E;9@3F;A@�8AD�7?B>AK77E�I:A

:3H7�FA�D7E;9@�393;@EF�F:7;D�I;>>�6G7�FA�5:;>64;DF:�5:;>6�D73D;@9�83?;>K�53D7�EBAGE7NE�FD3@E87D�7F5�

����(3DF�A8�F:7�7H7@FE�;E�>;?;F76�FA�3D73EB75;8;5�7?B>AK77E�

��;;HH77DDEE;;FFKK��%%33@@339977??77@@FF��**77>>7755FF;;AA@@����

%*"�3@6���"�I7D7�:A@AD76�I;F:�F:7��;H7DE;FK�%3@397?7@F�*7>75F;A@��

3I3D6�4K�F:7�%;@;EFDK�A8��5A@A?K�+D367�3@6�"@6GEFDK�6G7�FA�:;9:

D75A9@;F;A@�9;H7@�FA�F:7;D�788ADFE�A@�6;H7DE;FK�BDA?AF;A@�3@6�87?3>7

7?BAI7D?7@F�

ここ

Promoting Diversity in Human Assets and Health Management > Promotion of Diversity

209

>>AA4433>>��!!GG??33@@����EEEE77FF��,,FF;;>>;;LL33FF;;AA@@

+:7� DAGB�:3E�3�@7FIAD=�5AH7D;@9����5AG@FD;7E�3@6�D79;A@E�F:DAG9:AGF�F:7�IAD>6�7?B>AKE�?AD7�F:3@�� �B7AB>7�3F�;FE

AH7DE73E�EG4E;6;3D;7E�3@6�388;>;3F7E�3@6�:3E�5D73F76�EKEF7?E�FA�BDA?AF7�?GFG3>�7J5:3@97E�47FI77@�#3B3@�3@6�H3D;AGE

>A53F;A@E�;@�F:7�IAD>6���;?;@9�FA�?3=7�F:7�?AEF�A8�F:7�34;>;F;7E�A8�7?B>AK77E�I;F:�6;H7DE7�435=9DAG@6E�B7DEA@3>;F;7E�3@6

;673E�EA�F:3F�;F�53@�3G9?7@F�;FE�AI@�53B34;>;F;7E�8AD�D7EBA@6;@9�FA�6K@3?;53>>K�5:3@9;@9�?3D=7FE�3@6�7>7H3F7�;FE

5A?B7F;F;H7@7EE�F:7� DAGB�;E�7@673HAD;@9�FA�GF;>;L7�:G?3@�3EE7FE�;@�3�?3@@7D�F:3F�EGD?AG@FE�@3F;A@3>�4AD67DE�

�7F3;>E�A@� >A43>�!G?3@��EE7F��7H7>AB?7@F

��??BB>>AAKK??77@@FF��AA88��((77DDEEAA@@EE��II;;FF::����;;EE3344;;>>;;FF;;77EE

DAGB�5A?B3@;7E�5A@F;@G7�FA�7@9397�;@�:;D;@9�35F;H;F;7E�FA�7JB3@6�3@6�3@5:AD�B>357E�A8�7?B>AK?7@F�8AD�B7DEA@E�I;F:

6;E34;>;F;7E��+:7K�3D7�3>EA�363BF;@9�IAD=B>357E�;@FA�8D;7@6>K�7@H;DA@?7@F�3@6�67H7>AB;@9�6GF;7E�B7D8AD?76�4K�B7DEA@E�I;F:

6;E34;>;F;7E���F�F:7�7@6�A8�8;E53>�� ���F:7�E:3D7�A8�B7DEA@E�I;F:�6;E34;>;F;7E�3?A@9�F:7�IAD=8AD57E�A8�6A?7EF;5� DAGB

;@EGD3@57�5A?B3@;7E�7J5776;@9�F:7�?;@;?G?�7?B>AK?7@F�D3F7���� ���D7CG;D76�4K�>3I�

�7F3;>76�"@8AD?3F;A@

**GGBBBBAADDFF��88AADD����??BB>>AAKK7777EE��II;;FF::����;;EE3344;;>>;;FF;;77EE

%*"�7EF34>;E:76�3�F73?�53>>76�+73?�."+!����FA�BDA?AF7�3EE;?;>3F;A@�A8�B7DEA@E�I;F:�6;E34;>;F;7E�;@FA�F:7�IAD=B>357�4K

9;H;@9�76G53F;A@3>�EGBBADF�3@6�5D73F;@9�EGBBADF�EKEF7?E���+73?�."+!��BDAH;67E�5A@EG>F3F;A@E�3@6�;@F7DH;7IE�7?B>AK77E

I;F:�6;E34;>;F;7E�;?B>7?7@FE�CG7EF;A@@3;D7�EGDH7KE�8AD�F:7?�3@6�F:7;D�4AEE7E�3@6�BDAH;67E�?3@G3>E�FA�;?BDAH7�F:7

IAD=;@9�7@H;DA@?7@F���@�3@@G3>�E7?;@3D�;E�:7>6�8AD�:73D;@9;?B3;D76�7?B>AK77E�;@�AD67D�FA�4AAEF�F:7�>7H7>�A8�E=;>>E

@757EE3DK�8AD�4GE;@7EE�3@6�BDA?AF7�7J5:3@97�47FI77@�7?B>AK77E�I;F:�F:7�E3?7�6;E34;>;FK�

����."$$"& $0���+!', !+�,$$0

+A�8GDF:7D�7JB3@6�F:7�7?B>AK?7@F�A8�B7DEA@E�I;F:�6;E34;>;F;7E���"�IAD=E�FAI3D6�D73>;L;@9�3�6;E34>76�IAD=7D8D;7@6>K

IAD=B>357�7@H;DA@?7@F��"F�:3E�477@�EFD;H;@9�FA�D75DG;F�EG5:�B7DEA@E�;@�73D@7EF�F:DAG9:�788ADFE�FA�����:;D7�F:7?�4K�GE;@9

@3F;A@I;67�!7>>A�.AD=�B>357?7@F�A88;57E�3E�3�=7K�?73@E�����BGDEG7�3�>A53>�5A??G@;FK8A5GE76�D75DG;F?7@F�?A67>����

7EF34>;E:�6;E34>76�IAD=7D676;53F76�IAD=B>357E��3@6����D75DG;F�B3D3EBADFE�3F:>7F7E��*F3DF;@9�8DA?��0� ���F:7�5A?B3@K

4793@�FA�35F;H7>K�:;D7�B3D3EBADFE�3F:>7F7E�43E76�A@�F:7�3EEG?BF;A@�F:3F�����;F�IAG>6�3EE;EF�F:7;D�EBADFE�35F;H;F;7E�4K

BDAH;6;@9�3F:>7F7�53D77D�EG4E;6;7E�3@6�9;H;@9�F:7?�IAD=�7J7?BF;A@�FA�3�57DF3;@�7JF7@F�8AD�93?7�B3DF;5;B3F;A@�3@6

7@:3@576�FD3;@;@9��3@6����F:7�5A?B3@K�IAG>6�5A@F;@G7�FA�7?B>AK�F:7?�7H7@�38F7D�F:7K�D7F;D7�8DA?�EBADFE��%AD7AH7D�;@�3@

788ADF�FA�47FF7D�G@67DEF3@6�B7DEA@E�I;F:�6;E34;>;F;7E�F:7�5A?B3@K�7@F7D76�;@FA�3@�A88;5;3>�B3DF@7DE:;B�39D77?7@F�I;F:�F:7

#3B3@7E7�(3D3*BADFE��EEA5;3F;A@�3@6�AF:7D�AD93@;L3F;A@�F:7D74K�BGDEG;@9�7@673HADE�FA�3EE;EF�B3D3EBADFE�35F;H;F;7E�

��??BB>>AAKK??77@@FF��88AADD��FF::77����>>6677DD>>KK

%*"�3@6���"�:3H7�3�D7:;D;@9�BDA9D3?�8AD�7?B>AK77E�I:A�:3H7�D735:76�D7F;D7?7@F�397��+:7�BDA9D3?�3>>AIE�7?B>AK77E�FA

5A@F;@G7�7J7D5;E;@9�F:7;D�F3>7@FE�4K�3BB>K;@9�F:7;D�7JB7D;7@57�3@6�E=;>>E���?B>AK?7@F�5A@FD35FE�53@�47�D7@7I76�;@

355AD63@57�I;F:�EG5:�835FADE�3E�F:7�5A?B3@K�E�AB7D3F;@9�@776E�3@6�F:7�@3FGD7�A8�F:7�<A4�7@34>;@9�7?B>AK77E�FA�IAD=

G@F;>�3�?3J;?G?�397�A8�����,@67D�F:7�BDA9D3?�E7H7D3>�IAD=�ABF;A@E�3D7�A887D76�4K�<A4�FKB7E�@G?47D�A8�IAD=;@9�63KE�3@6

IAD=�:AGDE�EA�F:3F�3�H3D;7FK�A8�IAD=;@9�B3FF7D@E�3D7�3H3;>34>7�FA�5:AAE7�8DA?���E�A8��BD;>�� ���F:7�@G?47D�A8�D7

7?B>AK76�D7F;D77E��FAF3>�A8�@7I�:;D7E�3@6�5A@F;@G76�7?B>AK77E��I3E��� �3F�%*"�3@6�����3F���"�D7EB75F;H7>K�

�7F3;>76�"@8AD?3F;A@

ここ

Promoting Diversity in Human Assets and Health Management > Promotion of Diversity

210

��AA@@EE;;6677DD33FF;;AA@@��88AADD��$$ ��++

+A�D7EB75F�F:7�:G?3@�D;9:FE�A8�$ �+�7?B>AK77E�3�97@67D�?;@AD;FK�9DAGB�3@6�67H7>AB�3�IAD=B>357�7@H;DA@?7@F�8D;7@6>K

FA�F:7?�F:7�5A?B3@K�D7H;E76�;FE�B7DEA@@7>�3883;DE�EKEF7?�3@6�7?B>AK77�I7>83D7�E5:7?7�I;67@;@9�F:7�E5AB7�A8�>73H7

9D3@F;@9�3@6�3>>AI3@57�B3K?7@F�I:;5:�I3E�3BB>;534>7�FA�3@�7?B>AK77�I;F:�3�EBAGE7�FA�;@5>G67�3@�7?B>AK77�I;F:�3�E3?7

E7J�B3DF@7D�

%AD7AH7D�F:7�5A?B3@K�;@EF3>>76�?G>F;BGDBAE7�FA;>7FE�?3;@>K�3F�>3D97�A88;57E�DG@@;@9�835;>;F;7E�F:3F�5AG>6�47�GE76�73E;>K

4K�3>>�7?B>AK77E�D793D6>7EE�A8�97@67D�3@6�I:7F:7D�F:7D7�I3E�3@K�6;E34;>;FK�

"@�366;F;A@�FA�7@EGD;@9�F:3F�7?B>AK77E�47FF7D�G@67DEF3@6�$ �+�I7�I;>>�E77=�FA�;?BDAH7�AGD�3I3D7@7EE�34AGF�F:7�$ �+

;EEG7�F:DAG9:�9DAGBI;67�FD3;@;@9�A@�3I3D7@7EED3;E;@9�34AGF�;F�I;F:�F:7�3;?�A8�8AEF7D;@9�3�5ADBAD3F7�5G>FGD7�F:3F

D7EB75FE�6;H7DE7�H3>G7E�

��55::;;77HH77??77@@FF��AA88��..AADD==$$;;8877����33>>33@@5577

..AADD==��**FFKK>>77��))7788AADD??EE

"@�'5FA47D�� ���%*"�:3H7�477@�5A??;FF76�FA�.AD=�*FK>7�)78AD?E�3@6�;E�IAD=;@9�A@�D75F;8K;@9�>A@9�IAD=;@9�:AGDE��"@

366;F;A@�FA�788ADFE�3;?76�3F�5ADD75F;@9�>A@9�IAD=�:AGDE�I7�3D7�8A5GE76�A@�5D73F;@9�3@�;?BDAH76�IAD=�7@H;DA@?7@F�3E�I7

D7?3;@�5A@E5;AGE�A8�F:7�6;H7DE;FK�A8�AGD�7?B>AK77E�3@6�D3;E7�BDA6G5F;H;FK�

*B75;8;53>>K�8DA?�F:7�B7DEB75F;H7�A8�"?BDAH;@9�(DA6G5F;H;FK�)78AD?;@9��I3D7@7EE�A8�"@6;H;6G3>E�3@6�%3@397?7@FE

)76G5;@9�.3EF7�3@6�"@788;5;7@5K�3@6�*GBBADF�A8�3�-3D;7FK�A8�.AD=�*FK>7E�I7�3D7�;?BDAH;@9�F:7�IAD=;@9�7@H;DA@?7@F

E7CG7@F;3>>K��.7�E7F�GB�3�.AD=�*FK>7�)78AD?�(DA?AF;A@�+73?�5A?BAE76�A8�?7?47DE�A8�735:�67B3DF?7@F�A8�F:7

:736CG3DF7DE�I;F:;@�:G?3@�D7EAGD57�67B3DF?7@F�3@6�F:7�F73?�;E�D7EBA@E;4>7�8AD�EGBBADF;@9�F:7�H3D;AGE�;@;F;3F;H7E�A@�F:7

8DA@F�>;@7�3@6�;@H;F7�F:7�AB;@;A@E�A8�735:�IAD=B>357�

%*"�:3E�477@�GE;@9�F:;@5>;7@F�(�E�E;@57�'5FA47D�� ���I:;5:�3>>AIE�3�H3D;7FK�A8�IAD=�EFK>7E�;@5>G6;@9�IAD=�8DA?�:A?7

3@6�IAD=�8DA?�D7?AF7�>A53F;A@E���>EA�8DA?��BD;>�� ���I7�675;676�FA�E7F���B?�3E�F:7�@AD?3>�F;?7�FA�7@6�F:7�IAD=�63K

�7J57BF�8AD�;@7H;F34>7�D73EA@E��3@6�3E�3�5A?B3@K�I7�4793@�FA�IAD=�FA97F:7D�FA�D76G57�F:7�3?AG@F�A8�FAF3>�IAD=;@9�:AGDE�

.7�I;>>�BDA?AF7�;@H7EF?7@F�8AD�E7>89DAIF:�3@6�7@:3@57?7@F�A8�>;87EFK>7E�4K�BDA5776;@9�I;F:�F:7�5:3@97�FA�F;?7788;5;7@F

I3K�A8�IAD=;@9�F:DAG9:�IAD=�EFK>7�D78AD?E�3@6�35F;H7>K�GF;>;L;@9�F:7�F;?7�97@7D3F76�4K�F:;E�3@6�H353F;A@�:AGDE����"

>3G@5:76�3�BDA<75F�35DAEE�6;H;E;A@E�8AD�5ADBAD3F7�5G>FGD7�D78AD?�3@6�:3E�E7F�GB�.AD=�*FK>7�)78AD?E�3E�3�B;>>3D�A8�;FE

788ADFE�3@6�3;?E�FA�D73>;L7�3�5A?B3@K�I:7D7�4D;9:F�3@6�:73>F:K�7?B>AK77E�8G>>K�EGBBADF�5GEFA?7DE�

�E�BDA?AF;A@�A8�.AD=���$;87��3>3@57�F:3F�7@D;5:7E�4AF:�IAD=�3@6�BD;H3F7�>;87�I7�7@EGD7�FA�>73H7�F:7�5A?B3@K�3F���B?

�F:7�73D>K�9A;@9�:A?7�63K�A8�F:7�I77=�;E���B?��3@6�;@FDA6G57�3�B>3@@76�9D3@F�EKEF7?�8AD�3@@G3>�B3;6�:A>;63KE��%AD7AH7D

I7�3D7�BDA?AF;@9�;?BDAH7?7@FE�;@�F:7�IAD=B>357�7@H;DA@?7@F�3>A@9�I;F:�35F;H7�BDA?AF;A@�A8�H353F;A@�35CG;E;F;A@�3@6

IAD=�788;5;7@5K�;?BDAH7?7@F�788ADFE�

"@�366;F;A@�I7�3D7�IAD=;@9�FA�6;H7DE;8K�I:7D7�I7�IAD=�8DA?�:A?7�4K�78875F;H7>K�GF;>;L;@9�F:7�@7I>K�;@FDA6G576�EKEF7?

3;?;@9�3F�3�EFK>7�A8�IAD=�;@�5A@E;67D3F;A@�A8�;?BDAH7?7@F�;@�BDA6G5F;H;FK��.7�3D7�IAD=;@9�FA�7@FD7@5:�F:;E�@7I

7@H;DA@?7@F�F:DAG9:�F:7�6;EE7?;@3F;A@�A8�73EKFAG@67DEF3@6�?3F7D;3>E��?3@93��FA�5A?B3@K�7?B>AK77E�

�F�F:7�E3?7�F;?7�I7�3D7�3>EA�IAD=;@9�A@�7EF34>;E:;@9�F:7�76G53F;A@3>�EKEF7?�FA�475A?7�3�FDGEF76�3@6�3557BF76

7?B>AK77�3@6�;@H;9AD3F;@9�7H7@FE�F:3F�7@:3@57�F:7�G@;FK�A8�F:7�IAD=B>357�

ここ

Promoting Diversity in Human Assets and Health Management > Promotion of Diversity

211

**GGBBBBAADDFF��88AADD����??BB>>AAKK7777EE��))33;;EE;;@@99����::;;>>66DD77@@

��GG;;>>66;;@@99��33��..AADD==;;@@99����@@HH;;DDAA@@??77@@FF��II::;;>>77��))33;;EE;;@@99����::;;>>66DD77@@

%*"�:A>6E�3�E7?;@3D�8AD�7?B>AK77E�E5:76G>;@9�FA�F3=7�3�5:;>653D7�>73H7�FA�BD7B3D7�F:7?�FA�47�EG557EE8G>�I:7@�F:7K

D7FGD@�FA�IAD=�3@6�BDAH;67E�3@�7@H;DA@?7@F�I:;5:�3>>AIE�7>73D@;@9�FA�47�3H3;>34>7�3F�:A?7�6GD;@9�5:;>653D7�>73H7�;@�3@

788ADF�FA�EGBBADF�7?B>AK77E��B7D8AD?3@57�38F7D�F:7;D�>73H7��"@�366;F;A@�676;53F76�5:;>653D7�AB7D3FADE�B3DF@7D;@9�I;F:�F:7

5A?B3@K�53>>�F:7�7?B>AK77E�E;J�?A@F:E�3@6�F:D77�?A@F:E�478AD7�F:7�?A@F:�F:3F�F:7;D�5:;>653D7�>73H7�;E�6G7�FA�7@6

BDAH;6;@9�EGBBADF�8AD�7?B>AK77E�4K�5:75=;@9�A@�F:7�E;FG3F;A@�A8�F:7;D�5:;>653D7�35F;H;F;7E����3@6�BDAH;6;@9�;@8AD?3F;A@

34AGF�@GDE7DK�E5:AA>E�

+A�8GDF:7D�EFD7@9F:7@�EGBBADF�8AD�87?3>7�7?B>AK77E�I:A�:AB7�FA�IAD=�35F;H7>K�38F7D�5:;>653D7�>73H7���"�>3G@5:76�F:7

�:;>653D7��3D77D�*GBBADF�(DA<75F�;@�I:;5:�;@F7DH;7IE�478AD7�4AF:�F3=;@9�3@6�?3FGD;FK�A8�5:;>653D7�>73H7�3D7�E7F

?3@63FADK�3E�I7>>�3E�;@FDA6G576�F:7�.AD=;@9�%AF:7D�%77F;@9�I:;5:�A887DE�3�H7@G7�8AD�5A??G@;53F;A@�3?A@9�87?3>7

7?B>AK77E�I:A�D7FGD@�FA�IAD=�8DA?�5:;>653D7�>73H7�F:GE�:7>B;@9�FA�73E7�H3D;AGE�IADD;7E�3@6�7@5AGD39;@9�F:7?�FA�F:;@=

34AGF�F:7;D�8GFGD7�IAD=�EFK>7E���66;F;A@3>>K�3E�3�EGBBADF�A8�5D73F;@9�3�D3;E;@9�5:;>6D7@�8D;7@6>K�7@H;DA@?7@F�5ADBAD3F7>76

@GDE7DK�835;>;FK�:3E�475A?7�@7I>K�3H3;>34>7�E;@57�#G@7�

'@E;F7�@GDE7DK�835;>;FK��&3D;?3EG�"F343E:;=G�+A=KA��E7F�GB�4K���"�53@�47�GE76�4K�7?B>AK77E�A8�%*"�%*"��;A;�$;87�3@6

%;FEG;��;D75F� 7@7D3>�;@�366;F;A@�FA�F:AE7�A8���"���GDF:7D?AD7�735:�A8�F:7�%*���� DAGB�5A?B3@;7E�;@�3�F;7GB�I;F:

5:;>653D7D7>3F76�4GE;@7EE�AB7D3FADE�BDAH;67E�3�BDA9D3?�G@67D�I:;5:�6;E5AG@FE�53@�47�7@<AK76�8AD�36?;EE;A@�877E�3@@G3>

?7?47DE:;B�877E�3@6�GE397�5:3D97E�I:7@�GE;@9�63K�@GDE7D;7E�434KE;FF7DE�7F5��FA�:7>B�7?B>AK77E�D3;E7�F:7;D�5:;>6D7@�3E

3�G@;8;76� DAGB�

�����5F;H;F;7E�A8�9G3D6;3@E�F:3F�7@DA>>�F:7;D�5:;>6D7@�;@�F:7�@GDE7DK�E5:AA>E

ここ

Promoting Diversity in Human Assets and Health Management > Promotion of Diversity

212

((AAEEFF;;@@99��AA88��**GG44EEFF;;FFGGFF77EE��88AADD����??BB>>AAKK7777EE��AA@@����::;;>>665533DD77��$$7733HH77��33@@66��((DDAAHH;;EE;;AA@@EE��88AADD��**::AADDFF77DD��!!AAGGDDEE

+A�?3=7�;F�73E;7D�8AD�87?3>7�7?B>AK77E�I:A�3D7�9A;@9�FA�9;H7�4;DF:�FA�F3=7�5:;>653D7�>73H7�%*"�:3E�F:7;D�EG4EF;FGF7E�IAD=

I;F:�F:7?�EF3DF;@9�F:D77�?A@F:E�478AD7�F:7�?3F7D@;FK�>73H7�FA�97F�8G>>K�355GEFA?76�FA�F:7�6GF;7E��"@�F:7�E:ADF7D�IAD=;@9

:AGD�EKEF7?�IAD=;@9�:AGDE�53@�47�E7>75F76�8DA?�E;J�FKB7E�I:;5:�;@5>G67�8>7JF;?7�3@6�DAF3F;@9�E:;8F�EKEF7?E�

��"�:3E�;@�B>357�3�EG4EF;FGF7�7?B>AK77�E5:7?7�EA�F:3F�3�87?3>7�7?B>AK77�?AH;@9�5>AE7D�FA�9;H;@9�4;DF:�53@�E?AAF:>K

:3@6�AH7D�6GF;7E�I:7@�F3=;@9�5:;>653D7�>73H7��+:7�5A?B3@KNE�E:ADF7@76�F;?7�IAD=�EKEF7?�I:;5:�3>>AIE�3@�7?B>AK77�FA

8D77>K�5GF�E:ADF�:;E�:7D�IAD=�:AGDE�;@�G@;FE�A8�� �?;@GF7E�GB�FA�FIA�:AGDE�3�63K�;E�A@7�F:3F�;E�67H7>AB76�47FF7D�F:3@

D7CG;D76�G@67D�>3IE�3GF:AD;L;@9�3@�7?B>AK77�I;F:�3�5:;>6�GB�FA�7>7?7@F3DK�E5:AA>�F:;D6�9D367�FA�GE7�F:7�EKEF7?��"@

366;F;A@�3@�7?B>AK77�;E�3>>AI76�FA�GE7�3�E5:7?7�;@�I:;5:�FA�F3=7�B3;6�>73H7�;@�G@;FE�A8�:AGDE�3@6�A@7�;@�I:;5:�FA�IAD=�;@

E:;8FE��FA�47�5:AE7@�8DA?�3?A@9�8AGD�B3FF7D@E��A@�355AG@F�A8�BDAH;6;@9�5:;>653D7�

%*"��;A;�$;87�AB7D3F7E�3�EKEF7?�F:3F�BAEFE�EG4EF;FGF7E�8DA?�478AD7�3@�7?B>AK77�9A7E�A@�5:;>653D7�>73H7���GDF:7D?AD7�;F

:3E�3>EA�7@34>76�3�� ?;@GF7�G@;F�E7FF;@9�G@67D�;FE�E:ADF7D�IAD=;@9�:AGD�EKEF7?�3@6�?367�;F�BAEE;4>7�8AD�7?B>AK77E�FA

GF;>;L7�F:;E�EKEF7?�;@�F3@67?�I;F:�F:7�8>7JF;?7�3@6�DAF3F;@9�E:;8F�EKEF7?E�

%;FEG;��;D75F� 7@7D3>�%*"�(D;?3DK�$;87�3>EA�AB7D3F7�F:7��(AEF;@9�A8�EG4EF;FGF7E�8AD�7?B>AK77E�A@�5:;>653D7�>73H7��

$$7733HH77��88AADD����336666KK����55FF;;HH;;FF;;77EE��$$7733HH77��88AADD����336666KKFFAA4477

%*"�BDAH;67E�7?B>AK77E��?3>7�7?B>AK77E��I:A�:3H7�@AF�F3=7@�5:;>64;DF:�>73H7�3�B3;6�>73H7�A8�8;H7�63KE�8DA?�F:7�63F7�F:7

5:;>653D7�>73H7�EF3DFE��+:7�5A?B3@K�EGBBADFE�?3>7�7?B>AK77E�FA�B3DF;5;B3F7�;@�5:;>653D7�4K�E7@6;@9�7>;9;4>7�7?B>AK77E

7?3;>E�7@5AGD39;@9�F:7?�FA�F3=7�F:;E�8;H763K��>73H7�8AD�6366K�35F;H;F;7E��

��"�:3E�;@FDA6G576�3�EBAGE7�4;DF:9;H;@9�BD7B3D3F;A@�:A>;63K�E5:7?7�;@�I:;5:�3@�7?B>AK77�;E�3>>AI76�FA�F3=7�3�A@763K

B3;6�:A>;63K�I;F:;@�F:7�I77=�FA�F:7�63K�478AD7�F:7�E5:76G>76�63F7�A8�4;DF:9;H;@9�4K�F:7�EBAGE7��%AD7AH7D�F:7�5A?B3@K

E7@6E�7?3;>E�53>>;@9�8AD�F3=;@9�>73H7�FA�F:7�7?B>AK77�I:A�:3E�3�@7I4AD@�5:;>6�3@6�:;E�EGB7D;AD�3@6�F:7D74K�EGBBADF;@9

;@HA>H7?7@F�A8�?3>7�7?B>AK77E�;@�5:;>653D7��%AD7AH7D�;F�;E�35F;H7>K�7J5:3@9;@9�;@8AD?3F;A@�I;F:�AF:7D�5A?B3@;7E�4K

<A;@;@9�F:7�"=G4AEE��>>;3@57�:AEF76�4K��3F:7D;@9�#3B3@�3�@A@BDA8;F�AD93@;L3F;A@�

�AD�3@�7?B>AK77�I:A�:3E�@AF�F3=7@�:;E�5:;>64;DF:�>73H7�%;FEG;��;D75F� 7@7D3>�5:3@97E�F:7�8;DEF�8;H7�63KE�A8�5:;>653D7

>73H7�FA�B3;6�A@7��+:7�5A?B3@K�E7@6E�7?3;>E�53>>;@9�8AD�F3=;@9�>73H7�FA�F:7�7?B>AK77�I:A�;E�7>;9;4>7�8AD�>73H7�3@6�:;E

EGB7D;AD�3@6�F:7D74K�EGBBADF;@9�;@HA>H7?7@F�A8�?3>7�7?B>AK77E�;@�5:;>653D7��%AD7AH7D�;F�;E�3>EA�BAEE;4>7�FA�F3=7�FIA63K

B3;6�>73H7�3F�F:7�F;?7�A8�5:;>64;DF:�4K�EBAGE7�

%*"��;A;�$;87�:3E�;@FDA6G576�3�>73H7�EKEF7?��"=G?7@�>73H7��8AD�?7@�FA�3EE;EF�5:;>653D7�;@�AD67D�FA�EGBBADF�?3>7

7?B>AK77E�FA�BDA35F;H7>K�B3DF;5;B3F7�;@�5:;>653D7��"F�;E�BAEE;4>7�FA�F3=7�F:7�B3;6�>73H7�8AD�F:D77�63KE�;@�FAF3>�478AD7�3@6

38F7D�F:7�7JB75F76�67>;H7DK�63F7�AD�I;F:;@�E;J�?A@F:E�38F7D�F:7;D�EBAGE7�9;H7E�4;DF:�

ここ

Promoting Diversity in Human Assets and Health Management > Promotion of Diversity

213

�3?;>K��@H;DA@?7@F�*7?;@3D

�J5:3@97�A8�4GE;@7EE�53D6

**GGBBBBAADDFF��88AADD����33??;;>>KK��5533DD77

��33DD77��$$7733HH77��++77??BBAADD33DDKK��))77EE;;99@@33FF;;AA@@��88AADD����33??;;>>KK����33DD77

.7�:3H7�7EF34>;E:76�3�EGBBADF�EKEF7?�F:3F�7@34>7E�7?B>AK77E�FA�5A@F;@G7�IAD=;@9�I:;>7�53D;@9�8AD�3�83?;>K�?7?47D�

%*"�%*"��;A;�$;87�3@6�%;FEG;��;D75F� 7@7D3>�:3H7�;@FDA6G576�F7?BAD3DK�>73H7�EKEF7?E�3@6�F7?BAD3DK�D7E;9@3F;A@

EKEF7?E�8AD�7?B>AK77E�I:A�3D7�9;H;@9�53D7�8AD�D7>3F;H7E��$73H7�EKEF7?E�8AD�83?;>K�53D7�3>>AIE�7?B>AK77E�FA�>73H7�GB�FA��

63KE��;@�53E7�A@7�;@�F:7�83?;>K�D7CG;D7E�83?;>K�53D7��7H7DK�8;E53>�K73D�FA�F3=7�53D7�A8�:;E�AD�:7D�83?;>K�I:A�3D7�;@�@776�A8

3FF7@63@F�FA�9A�FA�:AEB;F3>�7F5��+7?BAD3DK�D7E;9@3F;A@�8AD�83?;>K�53D7�3>>AIE�7?B>AK77E�FA�>73H7�GB�FA�����63KE�I;F:

F7@GD7�A8�A88;57�7@5AGD397�F:AE7�?AF;H3F76�7?B>AK77E�FA�IAD=�38F7D�D7>73E76�8DA?�83?;>K�53D7�

%*"�:3E�;@FDA6G576�3�53D7�3;6�E7DH;57�BDAH;676�4K�F:7�&('��*73��3D7��I:;5:�BDAH;67E�EGBBADF�8AD�43>3@5;@9�IAD=�3@6

53D7�8AD�B3D7@FE��"@�F:;E�I3K�%*"�BDAH;67E�3EE;EF3@57�FA�7?B>AK77E�I:A�3D7�E:AG>67D;@9�F:7�4GD67@�A8�BDAH;6;@9�83?;>K

53D7�

��"�3>>AIE�E:ADF7@76�IAD=�E:;8FE�3@6�IAD=�:AGDE�EA�7?B>AK77E�53@�BDAH;67�@GDE;@9�53D7��+:7�5A?B3@K�:3E�;@�B>357�3

@GDE;@953D7�>73H7�E5:7?7�3E�I7>>�3E�3�@GDE;@953D7�IAD=�EGEB7@E;A@�E5:7?7�8AD�>73H7�A8�GB�FA�A@7�K73D��"@�366;F;A@�;F

A887DE�3�EKEF7?�8AD�D7F;D;@9�7?B>AK77E�I:A�:3H7�D7F;D76�8AD�@GDE;@9�D73EA@E���E�A@7�A8�;FE�7?B>AK77�I7>83D7�E5:7?7E�F:7

5A?B3@K�BGF�;@�B>357�F:7�.�$�'/�&GDE;@9��3D7�%7@G�BDA9D3?�I:;5:�����BDAH;67E�3@�7@H;DA@?7@F�;@�I:;5:�FA�67>;H7D

5A@EG>F;@9�E7DH;57�A@�@GDE;@9�53D7�;@8AD?3F;A@�A@�835;>;F;7E�3@6�;@F7D?76;3DK�E7DH;57�@GDE;@9�53D7�DAG@6�F:7�5>A5=�3@6����

63KE�3�K73D��3@6����9;H7E�3�BD;57�6;E5AG@F�A@�@GDE;@9�53D7�9AA6E��8DA?�EGBB>;7E�FA�I:77>5:3;D��3E�I7>>�3E�3�@GDE;@9�53D7

EG4E;6K�3?A@9�AF:7D�E7DH;57�A887D;@9E�

%AD7AH7D�FA�3>>AI�3�B7DEA@�83576�I;F:�3�@GDE;@9�53D7�D7CG;D7?7@F�FA�366D7EE�F:7�E;FG3F;A@�;@�3�5A?BAE76�?3@@7D�I;F:AGF

B3@;5=;@9�F:7�5A?B3@K�D7>73E76�3@���H7DE;A@�@GDE;@9�53D7�:3@64AA=�F;F>76�O03=G63FEG�!A@P��,E78G>��AA=��3�4AA=

AGF>;@;@9�@GDE;@9�53D7�;@�3�I3K�F:3F�7@34>7E�7H7@�3�8;DEFF;?7�@GDE;@9�53D7�BDAH;67D�FA�D736;>K�G@67DEF3@6�F:7�E7DH;57�

""??BB>>77??77@@FF33FF;;AA@@��AA88����33??;;>>KK����33KK������AA??BB33@@KK��++AAGGDD��88AADD��8833??;;>>KK��

%*"�:A>6E��3?;>K��3K�I:7D7�83?;>;7E�I:A�EGBBADF�AGD�7?B>AK77E�3D7

;@H;F76�FA�F:7�IAD=B>357�;@�AD67D�FA�677B7@�F:7;D�G@67DEF3@6;@9�34AGF�F:7

5A?B3@K�3@6�F:7�IAD=B>357�3@6�7J5:3@97�I;F:�?7?47DE�A8�F:7

IAD=B>357���K�;@5D73E;@9�5A??G@;53F;A@�3F�F:7�IAD=B>357�F:;E�7H7@F�:3E

>76�FA�F:7�5D73F;A@�A8�3�?AD7�>;H7>K�3@6�35F;H7�IAD=;@9�7@H;DA@?7@F�

��"�:7>6�3�83?;>K�63K�7H7@F�3F�@;@7�AGFBAEFE�;@�#3B3@�3E�F:7�5A?B3@K

3;?76�FA�475A?7�3@�7@F7DBD;E7�EF38876�4K�5:77D8G>�3@6�6K@3?;5

7?B>AK77E�EGBBADF;@9�5GEFA?7DE�I;F:�F:7�GF?AEF�788ADF��+:;E�7H7@F

5A@E;EF76�?3;@>K�A8�H;E;FE�FA�IAD=B>357E�I;F:�F:7�9A3>�A8�H;F3>;L;@9�;@FD3

5A?B3@K�5A??G@;53F;A@�3@6�:7>B;@9�7?B>AK77E�35:;7H7�3�9AA6�IAD=�>;87

43>3@57���?A@9�AF:7D�35F;H;F;7E�I3E�3�I:77>5:3;D�43E=7F43>>�7JB7D;7@57

E7EE;A@�

ここ

Promoting Diversity in Human Assets and Health Management > Promotion of Diversity

214

�/D7<5�63/:B6G�3;>:=G33A�<=B�=<:G�;3/<A�/<�7;>@=D3;3<B�7<�B63�3;>:=G33A��'%"��?C/:7BG�=4�:743��0CB�7A�/:A=�D7B/:�4=@�B63

#)�����<AC@/<13��@=C>�B=�>CB�7BA�#7AA7=<�)B/B3;3<B�7<B=�>@/1B713��&:/17<5�/<�3;>6/A7A�=<�B63�>3@A>31B7D3�=4�63/:B6

;/</53;3<B�B63�#)�����<AC@/<13��@=C>�E7::�3<23/D=@�B=�1@3/B3�B63�E=@9>:/13�3<D7@=<;3<B�>/G7<5�2C3�1=<A723@/B7=<�B=

63/:B6�/<2�A/43BG�7<�=@23@�B=�;/7<B/7<�/<2�>@=;=B3�63/:B6G�;7<2A�/<2�5==273A�=4�3/16�7<27D72C/:�3;>:=G33�

**//9977<<55��&&//7722��""33//DD33AA

#)��03:73D3A�0CA7<3AA�3447173<1G�/<2�>@=2C1B7D7BG�E=C:2�7<1@3/A3�0G�3<AC@7<5�=44B7;3�0G�;/97<5�AC@3�:3/D3A�/@3�B/93<

E6716�1/<�>@=;=B3�B63�;3<B/:�/<2�>6GA71/:�63/:B6�/<2�3<AC@3�1/>/17BG�23D3:=>;3<B�=4�3;>:=G33A�7<�/227B7=<�B=�037<5�/<

34431B7D3�=>>=@BC<7BG�B=�23D3:=>�/07:7B73A���A>317/::G�E3�;/93�344=@BA�B=�3</0:3�/::�;3;03@A�=4�B63�E=@9>:/13�B=

AGAB3;/B71/::G�B/93�B63�)>317/:�D/1/B7=<�0G�4=@;C:/B7<5�/�>:/<�B=�B/93�B63�D/1/B7=<�/B�B63�0357<<7<5�=4�/�47A1/:�G3/@�

&@7;/@G�:3/D3A�7<1:C23�%@27</@G�:3/D3��B=�03�1/@@732�=D3@�4@=;�B63�>@3D7=CA�G3/@��/<2�)>317/:�D/1/B7=<��7<1:C27<5�)C;;3@

D/1/B7=<��@3A6C>�D/1/B7=<�/<2��<<7D3@A/@G�D/1/B7=<���A�4=@�)C;;3@�D/1/B7=<�/�1=<A31CB7D3�47D32/G�6=:72/G�7A

/D/7:/0:3�2C@7<5� C:G���C5CAB�

����03:73D3A�B/97<5�:3/D3A�:3/2A�B=�;3<B/:�/<2�>6GA71/:�@34@3A6;3<B�4C@B63@�7;>@=D3;3<B�7<�>@=2C1B7D7BG�/<2�/�1=@>=@/B3

1C:BC@3�E63@3�>3=>:3�63:>�3/16�=B63@�

*63��&:/<<32��@/<B�)GAB3;��@3?C7@3A�;/<2/B=@G�/1?C7A7B7=<�=4�/<<C/:�>/72�6=:72/GA�4=@� ��2/GA�/�G3/@��*67A�AGAB3;

>@=;=B3A�B63�/1?C7A7B7=<�=4�>/72�6=:72/GA�4=@�/::�3;>:=G33A�B6@=C56�>:/<<7<5�7<�/2D/<13�4=@�3/16�=4�B63�47@AB�/<2�A31=<2

6/:4�>3@7=2A�/<2�>3@7=271/::G�1=<47@;A�B63�/1?C7A7B7=<�@31=@2��-3�/:A=�7<B@=2C13�/<<C/:�:3/D3�AGAB3;�7<� 6=C@�C<7BA�6/:4

2/G�>/72�:3/D3�AGAB3;�/<2�#G�&@3;7C;��@72/G�AGAB3;�B=�>@=;=B3�/�5==2�E=@9:743�0/:/<13�

��..������ ������$$CC;;0033@@��==44��DD//11//BB77==<<��22//GGAA��EE77BB66��>>//GG�������++<<77BB������//GGAA��

�=;>/<G �D3@/53�<C;03@�=4�2/GA�B/93<�0G�3;>:=G33A

#)� ���

��� ��

����)1=>3�7<1:C23A�/::�3;>:=G33A�=4�B63�1=;>/<G

�3B/7:32��<4=@;/B7=<

ここ

Promoting Diversity in Human Assets and Health Management > Health Management

215

��33//::BB66��##//<<//5533;;33<<BB��==44����;;>>::==GG3333AA

��33@@BB7744773322����33//::BB66��//<<22��&&@@==22CC11BB77DD77BBGG��##//<<//5533;;33<<BB��%%@@55//<<77HH//BB77==<<��((3311==55<<77BB77==<<��&&@@==55@@//;;����--6677BB33����������

�<�/�63/B60/A32�;/</53;3<B�AC>3@7=@�1=;>/<G�13@B7471/B7=<�A163;3

A>=<A=@32�0G�B63�#7<7AB@G�=4��1=<=;G�*@/23�/<2��<2CAB@G�/<2�$7>>=<

!3<9=�!/757��3@B74732��3/:B6�/<2�&@=2C1B7D7BG�#/</53;3<B�%@5/<7H/B7=<

(31=5<7B7=<�&@=5@/;�7<�B63�:/@53�3<B3@>@7A3�1/B35=@G��-67B3������E/A

57D3<�B=�B63��=;>/<G�/A�E3::�/A�7BA�5@=C>�1=;>/<73A�#)��/<2������*67A�A163;3�037<5�7<B3<232�B=�/E/@2�:/@53�1=;>/<73A

/<2�A;/::B=;327C;A7H32�1=;>/<73A�>3@4=@;7<5�63/:B60/A32�;/</53;3<B�=4�>/@B71C:/@:G�6756�?C/:7BG�E/A�/7;32�B=

723<B74G�1=;>/<73A�3<5/532�7<�63/:B60/A32�;/</53;3<B�/<2�23D3:=>�/<�3<D7@=<;3<B�7<�E6716�AC16�1=;>/<73A�=0B/7<�/

>@=>3@�A=17/:�3D/:C/B7=<�4@=;�AB/936=:23@A��*63�#)�����<AC@/<13��@=C>�E7::�1=<B7<C3�B=�23D3:=>�/<�3<D7@=<;3<B�B6/B

3</0:3A�/::�3;>:=G33A�B=�E=@9�3<B6CA7/AB71/::G�7<�4CBC@3�

##33227711//::����66331199CC>>

*63�#)�����<AC@/<13��@=C>�7<B@=2C132�B63�=>3@/B7=<�=4�/��@=C>C<74732�;3271/:�16319C>�AGAB3;�B6/B�>@=D723A�B63

A3@D713A�63/:B6�16319C>A�/<2�@3D73EA�=4�B637@�@3AC:BA���<�B67A�E/G�=C@�5@=C>�3;>:=G33A�/@3�/0:3�B=�@3137D3�/

6=;=53<3=CA�63/:B6�27/5<=A7A�/<2�@3AC:B�23B3@;7</B7=<�E63@3D3@��@=C>�3;>:=G33A�E=@9�

##33227711//::����66331199CC>>��))GGAABB33;;AA

*G>3A�=4�#3271/:��6319C>A �53��@=C> �6/@/1B3@7AB71A

�3<3@/:�#3271/:��6319C>

��B3;A�7<1:C232�03G=<2

B6=A3�@3?C7@32�0G�:/E�

�;>:=G33A�03:=E�B63�/53�=4��� #3271/:�16319C>�7B3;A

C<74=@;�4=@�B63��@=C>

�@7B3@7=<�C<74=@;�4=@�B63

�@=C>*=B/:�#3271/:��6319C>

��=;>:3B3�;3271/:�16319C>��;>:=G33A�=D3@�B63�/53�=4���

*67A�3</0:32�B63�5@=C>�3;>:=G33A�B=�53B�63/:B6�16319C>A�/<2�@3AC:BA�<=�;/BB3@�E63@3�B63G�/@3�3;>:=G32���=@�B63

3;>:=G33A�E6=�<332�/�4=::=EC>�63/:B6�16319�B63�E3:4/@3�5C72/<13�0G�7<2CAB@7/:�2=1B=@A�/<2�<C@A3A�/@3�>@=D7232�/B�3/16

1=;>/<GJA�63/:B6�;/</53;3<B�23>/@B;3<BA��#)���3/:B6�#/</53;3<B��3<B3@������3/:B6�#/</53;3<B��3<B3@�/<2�#)�

�7=7�"743��3/:B6�#/</53;3<B�&@=;=B7=<��3<B3@�3B1���

�:A=�4=@�B63�3;>:=G33A�E6=�CA3�>3@A=</:�1=;>CB3@A�=D3@�/�13@B/7<�>3@7=2�=4�B7;3�7<B3@D73E�5C72/<13�0G�7<2CAB@7/:

2=1B=@A�/@3�1=<2C1B32�

��==@@��##//77<<BB//77<<77<<55����;;>>::==GG3333AA������33//::BB66����))77<<55//>>==@@33��

#)����<AC@/<13��)7<5/>=@3��&B3��"B2��#)��A�:=1/:�AC0A727/@G�7<�)7<5/>=@3�3<1=C@/532�3;>:=G33A�B=�E/:9� �����AB3>A�>3@

2/G�0G�:3<27<5�B63;�/�>32=;3B3@�E7B6�/<�/7;�=4�>@=;=B7<5�B637@�63/:B6���4B3@� ���3;>:=G33A�>/@B717>/B32�4=@�BE=�;=<B6A

����=4�B63�>/@B717>/<BA�@3>:732�B=�B63�?C3AB7=<</7@3�AC@D3G�/4B3@E/@2A�B=�6/D3�031=;3�63/:B673@�B6/<�034=@3�B63�3F3@17A3

E67:3�����@3>:732�B=�433:�6/D7<5�7;>@=D32�=>3@/B7=</:�3447173<1G���=7<5�4=@E/@2�7B�E7::�1=<B7<C3�7BA�344=@BA�B=�7;>@=D3�63/:B6

=4�3;>:=G33A�

#)����<AC@/<13��)7<5/>=@3��&B3��"B2�

ここ

Promoting Diversity in Human Assets and Health Management > Health Management

216

##33<<BB//::����33//::BB66��==44����;;>>::==GG3333AA

*=�/72�;3<B/:�63/:B6�1/@3�B63�#)�����<AC@/<13��@=C>�6/A�3AB/0:7A632�63/:B6�;/</53;3<B�13<B3@A�/<2�3;>:=G33

1=<AC:B/B7=<�=44713A��=@�=44713@A��/<2�7;>:3;3<B32�;3<B/:�63/:B6�1/@3�4=@�3;>:=G33A��*63�63/:B6�;/</53;3<B�13<B3@A�/@3

AB/4432�E7B6�4C::�/<2�>/@BB7;3�7<2CAB@7/:�>6GA717/<A�/<2�7<2CAB@7/:�<C@A3A�/<2�AB/G�E7B6�B63�3;>:=G33�=D3@�B63�3<B7@3

>@=13AA�4@=;�7<7B7/:�1=<AC:B/B7=<�B=�@37<AB/B3;3<B�7<�B63�E=@9>:/13���<�/227B7=<�B=�B63�3;>:=G33�1=<AC:B/B7=<�=44713A�B6/B

/@3�@3/2G�4=@�1=<AC:B/B7=<�=<�/<G�;/BB3@�E3�3;>6/A7H3�AC>>=@B�4=@�@37<AB/B3;3<B�7<�B63�E=@9>:/13�/<2�E=@9�7<

1=::/0=@/B7=<�E7B6�B63�63/:B6�;/</53;3<B�13<B3@A��#=@3=D3@�0G�7;>:3;3<B7<5�AB@3AA�16319A�0G�B63�A/;3�;3B6=2�E7B67<

B63��@=C>�4@=;�B63�1C@@3<B�47A1/:�G3/@�E3�E7::�AB@3<5B63<�B63�AGAB3;�B=�>@3D3<B�;3<B/:�63/:B6�>@=0:3;A�4@=;�23D3:=>7<5

E67:3�CB7:7H7<5�B63�@3AC:BA�=4�/</:GA7A�=<�B63�5@=C>�4=@�1@3/B7<5�/�03BB3@�E=@9>:/13�3<D7@=<;3<B�

��11BB77DD77BB7733AA��BB==��))CC>>>>==@@BB��##33<<BB//::����33//::BB66����//@@33

#)��AC>>=@BA�;3<B/:�63/:B6�1/@3�/1B7D7B73A�B6@=C56�B63�1==>3@/B7=<�=4�B63�63/:B6�;/</53;3<B�13<B3@�/<2�B63�3;>:=G33

1=<AC:B/B7=<�=44713��*63A3�/1B7D7B73A�7<1:C23�>@3D3<B7=<�/<2�E=@9>:/13�@37<AB/B3;3<B

K&@3D3<B7=<�/1B7D7BG��*@/7<7<5��:3/@<7<5�)B@3AA�163197<5�AGAB3;��3/:B6��=<AC:B/B7=<�AGAB3;�7<�E=@9>:/13A�3B1�

K)C>>=@B�4=@�>/B73<BA���=<AC:B7<5�2C@7<5�B63�@31C>3@/B7=<�3B1�

K)C>>=@B�4=@�@37<AB/B3;3<B��&@3>/@/B7=<�=4�@37<AB/B3;3<B�7<�B63�>3@7=2�=4�@31=D3@G�3B1�

�<�7BA�3:3/@<7<5�AGAB3;�����6/A�7<1=@>=@/B32�7AAC3A�@3:/B32�B=�;3<B/:�63/:B6�/<2�7A�7;>:3;3<B7<5�B63;��*63�&3@A=<<3:

�3>/@B;3<B�>@=D723A�7<4=@;/B7=<�/0=CB�A3:41/@3�4=@�>@3D3<B7=<�B6@=C56�B63�B@/7<7<5�>@=5@/;A�/0=CB�;3<B/:�63/:B6�/<2

1@3/B7<5�B63�5C723�0==9�4=@�/::�3;>:=G33A�4=@�<3E�3<B@G:3D3:�3;>:=G33A�:7<3�A31B7=<�63/2A�/<2�:7<3�23>/@B;3<B

;/</53@A��*63�1=;>/<G�1=<AB@C1B32�/�A3BC>�4=@�@3/2G�1=<AC:B/B7=<�0G�3;>:=G33A�/0=CB�;3<B/:�63/:B6�0G�3AB/0:7A67<5

��&�13<B3@A����/<2�63/:B61/@3�13<B3@A��63/:B6�;/</53;3<B�=44713A�7<�3/16�@357=<��E7B67<�B63�1=;>/<G�/<2�/�1=<AC:B/B7=<

=44713�0G�/<�=CBA=C@132�1=<AC:B/B7=<�=@5/<7H/B7=<��*63�1=;>/<G�>@=D723A�/�D/@73BG�=4�1=<AC:B/B7=<�;3B6=2A�E6716

7<1:C23A�B63�AC>>=@B�=4�@37<AB/B32�3;>:=G33A�/<2�1=<AC:B/B7=<�=4�B6=A3�C<23@�;3271/:�B@3/B;3<B�

�����;>:=G33��AA7AB/<13�&@=5@/;�B=�>@=D723�53<3@/:�1=<AC:B/B7=<�7<�23/:7<5�E7B6�3;>:=G33A��>@=0:3;A�7<�;3<B/:�63/:B6

>6GA71/:�63/:B6�E=@9>:/13�E=@@73A�<=@;/:7H/B7=<�7AAC3A�3B1�

ここ

Promoting Diversity in Human Assets and Health Management > Health Management

217

))//4433BBGG��==44����;;>>::==GG3333AA����))//4433����@@77DD77<<55��//<<22��$$CC;;0033@@��==44��--==@@9933@@����<<88CC@@7733AA��

�<�B63�7<AC@/<13�0CA7<3AA�/�E=@9@3:/B32�/11723<B�E6716�;=AB�4@3?C3<B:G�=11C@A�7A�/�B@/4471�/11723<B�E67:3�2@7D7<5�/

1=;>/<G�1/@��*63��@=C>�7<AC@/<13�1=;>/<73A�E6716�CA3�1=;>/<G�1/@A�;/93�D/@7=CA�344=@BA�4=@�A/43BG�2@7D7<5�7<

/11=@2/<13�E7B6�A/43BG�2@7D7<5�1=<B@=:�@C:3A�4=@�1=;>/<G�1/@A�0G�;/</57<5�B63�AB/BCA�=4�/11723<B�=11C@@3<13��)7<13�47A1/:

�� ��#)��6/A�E=@932�B=�7<1@3/A3�/E/@3<3AA�=4�A/43BG�2@7D7<5�0G�27AB@70CB7<5�B/0:3B�&�A�/<2�CA7<5�B63�)C;/�=���@7D7<5

�/>/07:7BG��27/5<=AB71�/>>:71/B7=<�

��..������ ������$$CC;;0033@@��==44��11:://77;;AA��==44��EE==@@99��@@33:://BB3322��77<<88CC@@7733AA����++<<77BB����11//AA33AA��

I

$C;03@�=4�E=@93@

7<8C@73A

I

-=@9�@3:/B32

/11723<B

�11723<B�2C@7<5

1=;;CB3�/B/:7B73A

*63�#)���

�<AC@/<13��@=C>��� � � �

��;;>>@@==DD33;;33<<BB��==44��BB6633��EE==@@99��33<<DD77@@==<<;;33<<BB

��1=;4=@B/0:3�E=@9�3<D7@=<;3<B�B6/B�B/93A�7<B=�1=<A723@/B7=<�:756B7<5�D3<B7:/B7=<�B3;>3@/BC@3�/<2�6C;727BG�/A�E3::�/A

3@5=<=;71A�E7::�7;>@=D3�3;>:=G33�E=@9�3447173<1G�/<2�3<AC@3�3;>:=G33AJ�;3<B/:�/<2�>6GA71/:�63/:B6�

�=;3AB71�#)�����@=C>�1=;>/<73A�3AB/0:7A632�/�6G573<3�1=;;7BB33�0/A32�=<�B63��<2CAB@7/:�)/43BG�/<2��3/:B6��1B�B=

7<D3AB75/B3�/<2�27A1CAA�;/BB3@A�1=<13@<7<5�>@3D3<B7=<�=4�63/:B6�>@=0:3;A�/<2�>@=;=B7=<�=4�63/:B6�;/7<B3</<13�=<13�/

;=<B6�

�<�/227B7=<�E3�1=<2C1B�E=@9>:/13�AC@D3GA�/<2�@7A9�/AA3AA;3<BA�4@=;�B63�D73E>=7<B�=4�>@3D3<B7<5�=11C>/B7=</:�/11723<BA

/<2�7;>@=D3�B63�E=@9�3<D7@=<;3<B�74�<313AA/@G�

��==;;;;CC<<7711//BB77==<<��EE77BB66����;;>>::==GG3333AA

��;;>>::==GG3333��))//BB77AA44//11BB77==<<

�/16�G3/@�B63�#)�����<AC@/<13��@=C>�7;>:3;3<BA�/<�=>7<7=<�>=::�/A97<5�/::��@=C>�3;>:=G33A�7<�B63��@=C>�AC16

?C3AB7=<A�/A�B6=A3�/0=CB�B63�235@33�=4�2744CA7=<�=4�B63��@=C>�#7AA7=<�,7A7=<�/<2�,/:C3A��/0=CB�E63B63@�B63��@=C>�6/A�/

A3<A3�=4�C<7BG��/<2�/0=CB�E63B63@�B63G�433:�AB@=<5�A3<A3A�=4�;=B7D/B7=<�/<2�>3@A=</:�5@=EB6��'C3AB7=<A�/@3�>@3>/@32

4@=;�B63�AB/B7=</@G�AB/<2>=7<B�=4��/>>@=/163A�B=�>@/1B717<5�B63��@=C>�#7AA7=<�,7A7=<�/<2�,/:C3A���/�A3<A3�=4�C<7BG�/A�/

�@=C>��/<2��/�:7D3:G�E=@97<5�3<D7@=<;3<B��B=�=0A3@D3�B63�=>7<7=<A�=4�B63��@=C>�A�3;>:=G33A���A�B63�1=<13>B�=4�B63

�@=C>�A�#7AA7=<�,7A7=<�/<2�,/:C3A�031=;3A�;=@3�9<=E<�/;=<5�3;>:=G33A�3D3@G�G3/@�7B�7A�1=<47@;32�B6/B�/�A3<A3�=4

C<7BG�/A�/��@=C>�7A�3<6/<132�/<2�3;>:=G33A��;=B7D/B7=<�4=@�E=@9�/<2�5@=EB6�7A�037<5�/1BC/:7H32�

K!&��B=�&@=;=B3�%C@��)(��>>@=/163A���;>:=G33�)/B7A4/1B7=<�

��<<2233FF��..������ �� ��..������ �� ��..������ ��

&&33@@44==@@;;//<<1133 &&33@@44==@@;;//<<1133 **//@@5533BB &&33@@44==@@;;//<<1133

� ����;>:=G33A/B7A4/1B7=<�?C3AB7=<</7@3�@3AC:BA��&@723� =0�A/B7A4/1B7=<�

(/B7=�=4�3;>:=G33A�433:7<5�>@723=@�8=0�A/B7A4/1B7=<��/::3;>:=G33/D3@/53�=<�/��>=7<B�A1/:3��

���>=7<B ���>=7<B

�?C/:�B=�=@5@3/B3@�B6/<B63�>@3D7=CAG3/@

���>=7<B

� ���;>:=G33A/B7A4/1B7=<�?C3AB7=<</7@3�@3AC:BA��-=@97<5�,75=@=CA:G�

(/B7=�=4�3;>:=G33A�@35/@2:3AA=4�A3F�/<2�/53�433:7<5�4@33�/<2:7D3:G�/B�E=@9>:/13A��/::3;>:=G33�/D3@/53�=<�/��>=7<BA1/:3��

���>=7<B ���>=7<B

�?C/:�B=�=@5@3/B3@�B6/<B63�>@3D7=CAG3/@

���>=7<B

!3G�&3@4=@;/<13��<271/B=@A��!&���B=�&@=;=B3�%C@��)(��>>@=/163A

ここ

Promoting Diversity in Human Assets and Health Management > Health Management

218

++BB77::77HH77<<55����;;>>::==GG3333AA����,,==771133��44==@@����CCAA77<<33AAAA����;;>>@@==DD33;;33<<BB

�/16�1=;>/<G�7<�B63��@=C>�6/A�7;>:3;3<B32�B63�;3AA/53�0=/@2�7<�7<B@/AGAB3;�B=�1=::31B�B63�D73EA�=4�3;>:=G33A�B=

CB7:7H3�3;>:=G33AJ�D=713�4=@�0CA7<3AA�7;>@=D3;3<B��*637@�D=713A�/@3�1=<A723@32�/B�3/16�27D7A7=<�/B�B63�63/2?C/@B3@A�/<2

B63�@3AC:BA�/@3�432�0/19�

)163;3A�B=��0A=@0��;>:=G33�%>7<7=<A

��==;;;;CC<<7711//BB77==<<��EE77BB66����==//@@22��##33;;0033@@AA

*63�;/</53;3<B:3D3:�3F31CB7D3A�=4�#)������#7BAC7��7@31B��3<3@/:�#)���7=7�"743�/<2�#)��&@7;/@G�"743�@35C:/@:G�6/D3�/<

=>>=@BC<7BG�B=�3F16/<53�=>7<7=<A�E7B6�3;>:=G33A�/;=<5�=B63@�1=<B7<C32�344=@BA�B=�2@/E�=<�3;>:=G33�43320/19�4=@

@C<<7<5�=>3@/B7=<A�

ここ

Promoting Diversity in Human Assets and Health Management > Health Management

219

+:7�8A>>AI;@9�3D7�F:7�?3F7D;3>E�3@6�63F3�34AGF��*)�3BBDA35:7E�A8�F:7�%*����!@EGD3@57��DAGB�

*G4<75F�B7D;A6�

�/�������BD;>����������%3D5:���������

*G4<75F�AD93@;L3F;A@�3@6�63F3�5AH7D397�

�A?B3@K�@3?7 344D7H;3F;A@

�DAGB��A?7EF;5 �A@EA>;63F76

*G4<75F�?B>AK77�43E76

5AH7D397*G4<75F

�?B>AK77�43E76

5AH7D397

%;FEG;�*G?;FA?A�!@EGD3@57��A��$F6� %*! R

�����

R

����

�;A;�&;EE3K��AI3�!@EGD3@57��A��$F6� ��! R R

%;FEG;��;D75F��7@7D3>�!@EGD3@57��A�

$F6�%� R R

%;FEG;�*G?;FA?A��;A;�$;87�!@EGD3@57

�A��$F6�%*� R R

%;FEG;�*G?;FA?A�(D;?3DK�$;87

!@EGD3@57��A��$F6�%*( R R

%*���� A>6;@9E � R R

'H7DE73E�;@EGD3@57�EG4E;6;3D;7E 'H7DE73E R

'F:7D���� 'F:7D R

������A?B3@;7E�EG5:�3E�D;E=�D7>3F76�4GE;@7EE�AB7D3F;A@E�AB7D3F76�4K�9DAGB�5A?B3@;7E

++::;;DD66��((33DDFFKK����EEEEGGDD33@@5577

+:7�%*����!@EGD3@57��DAGB�:3E�7@93976�#(%���0*��*GEF3;@34;>;FK��A��$F6��E;@57������FA�B7D8AD?�3@�3EEGD3@57

7@9397?7@F�A8�EA?7�E7>75F76�7@H;DA@?7@F3>�3@6�EA5;3>�63F3�;@�AD67D�FA�3EEGD7�5D76;4;>;FK�A8�D7BADF76�8;9GD7E��+:7�63F3

EG4<75F�FA�F:7�F:;D6�B3DFK�3EEGD3@57�F:;E�K73D�;E�;@6;53F76�I;F:�S�

#(%��E�!@67B7@67@F��EEGD3@57�)7BADF�;E��AG@6� 7D7

+:7��3>5G>3F;A@�%7F:A6A>A9K�8AD�F:7��3F3�;E��AG@6� 7D7

!!**''����������������AADD77��**GG44<<7755FFEE����''DD9933@@;;LL33FF;;AA@@33>>����AAHH77DD@@33@@5577��

��AADDBBAADD33FF77����AAHH77DD@@33@@5577

�3E;5�(A>;5;7E�A@��ADBAD3F7��AH7D@3@57

%*����!@EGD3@57��DAGB�+:7��3E;5�(A>;5;7E�A@��ADBAD3F7��AH7D@3@57

%*����!@EGD3@57��DAGB�+:7��3E;5�(A>;5K�(3DF3;@;@9�FA�F:7�*KEF7?�8AD�!@F7D@3>��A@FDA>

%*����!@EGD3@57��DAGB�+:7��3E;5�(A>;5K�8AD�%3@397?7@F�A8��A@8>;5FE�A8�!@F7D7EF

%*����!@EGD3@57��DAGB��3E;5�(A>;5K��A@57D@;@9��@F;EA5;3>��AD57E

ここ

Data / Reference Material

220

��;;DD7755FFAADDEE����33EE��AA88��������""GG@@77������������

�:3;D?3@�A8�F:7��A3D6�A8��;D75FADE

�:3;D?3@

�!@�F:7�34E7@57�A8�F:7��:3;D?3@

(D7E;67@F�E7DH7E�5A@5GDD7@F>K��

&G?47D�A8��;D75FADE ��

&G?47D�A8�'GFE;67��;D75FADE �

&G?47D�A8�;@67B7@67@F�?7?47DE�;@�'GFE;67��;D75FADE �

��AADDBBAADD33FF77����GG66;;FFAADDEE����33EE��AA88��������""GG@@77������������

�J;EF7@57�A8��G6;FADE��%77F;@9 !@�B>357

&G?47D�A8��ADBAD3F7��G6;FADE �

&G?47D�A8�'GFE;67��ADBAD3F7��G6;FADE �

&G?47D�A8�;@67B7@67@F�?7?47DE�;@�'GFE;67��ADBAD3F7��G6;FADE �

&&AA??;;@@33FF;;AA@@��33@@66��))77??GG@@77DD33FF;;AA@@

�7F3;>76�!@8AD?3F;A@

ここ

Data / Reference Material

221

&&GG??4477DD��AA88��%%7777FF;;@@99EE��AA88����AA33DD66��AA88����;;DD7755FFAADDEE��77FF55��

�G@5F;A@ �/����

�J75GF;A@

*GB7DH;E;@9

�A3D6�A8��;D75FADE ������

�AH7D@3@57��A??;FF77 MM�

�DAGB�%3@397?7@F��A??;FF77 ��

+3E=�*B75;8;5��A??;FF77

�DAGB�%3@397?7@F�3@6�%A@;FAD;@9

�A??;FF77��

�)%��A??;FF77 MM�

�DAGB�(DA8;F34;>;FK��@:3@57?7@F

�A??;FF77MM�

�DAGB�'H7DE73E��GE;@7EE��A??;FF77 MM�

!�+�!@@AH3F;A@��A??;FF77 MM�

);E=��A?B>;3@57��A??;FF77 MM�

!@8AD?3F;A@��;E5>AEGD7��A??;FF77 MM�

�D3@6��A??;FF77 MM�

�*)��A??;FF77 MM�

�DAGB�*KEF7?��A??;FF77 �

�G6;F�*GB7DH;E;@9 �A3D6�A8��G6;FADE ������

�����'GFE;67��;D75FADET3H7D397�3FF7@63@57�D3F7������

�����'GFE;67��ADBAD3F7��G6;FADE�3H7D397�3FF7@63@57�D3F7������

�7F3;>76�;@8AD?3F;A@�A8��ADBAD3F7��AH7D@3@57

��AA??BB>>;;33@@5577

%*����!@EGD3@57��DAGBT�3E;5�(A>;5K�A@��A?B>;3@57

%*����!@EGD3@57��DAGB��3E;5�(A>;5K�8AD�?3@397?7@F�A8��GEFA?7D�!@8AD?3F;A@

%*����!@EGD3@57��DAGB��3E;5�(A>;5K�8AD�*:3D;@9��GEFA?7D�!@8AD?3F;A@

%*����!@EGD3@57��DAGB��3E;5�(A>;5K�8AD�%3@397?7@F�A8�'GFE;67�-7@6ADE

!@F7D@3>�)7BADF�*KEF7? /7E

));;EE==��%%33@@339977??77@@FF

%*����!@EGD3@57��DAGB��3E;5�(A>;5K�8AD�);E=�%3@397?7@F

!!@@88AADD??33FF;;AA@@����;;EE55>>AAEEGGDD77

%*����!@EGD3@57��DAGB��3E;5�(A>;5K�8AD��;E5>AEGD7

ここ

Data / Reference Material

222

!!**''����������������AADD77��**GG44<<7755FFEE������AA@@EEGG??77DD��!!EEEEGG77EE��

%*����!@EGD3@57��DAGB��3E;5�(A>;5K�8AD�)7EBA@6;@9�FA��GEFA?7D��A??G@;53F;A@E

33@@66>>;;@@99��**;;FFGG33FF;;AA@@��AA88����GGEEFFAA??77DDNNEE��--AA;;5577

�(7D57@F397�5:3@97�8DA?�F:7�BD7H;AGE�K73D�;@�B3D7@F:7E;E�

�,@;FEX53E7E�

!F7?E �AH7D397 �/���� �/���� �/���� �/���� �/����

+AF3>M %*!

�����

���

�����

�������

�����

�Q�����

�����

�Q�����

�����

�Q�����

�A@FD35FE��3@H3EE;@9 %*!����

���

����

�������

����

�Q�����

����

�Q�����

����

�Q�����

%3@397?7@F�%3;@F3;@;@9�A8�5A@FD35FE

�A>>75F;A@%*!

�����

���

�����

�������

�����

�Q������

�����

�Q������

�����

�Q�����

!@EGD3@57�B3K?7@F %*!�����

���

�����

�������

�����

�Q�����

�����

�Q�����

�����

�Q������

%3@397?7@F�A8�5GEFA?7D�;@8AD?3F;A@ %*!���

���

���

������

���

������

���

������

���

�Q������

'F:7D %*!����

���

����

������

����

�������

����

�Q�����

����

������

+AF3>M ��!

�����

���

�����

�Q�����

�����

�Q������

�����

�Q������

�����

������

�A@FD35FE��3@H3EE;@9 ��!�����

���

�����

�Q�����

����

�Q������

����

�Q������

����

�Q�����

%3@397?7@F�%3;@F3;@;@9�A8�5A@FD35FE

�A>>75F;A@��!

�����

���

�����

�Q������

�����

�Q������

����

�Q������

����

�Q�����

!@EGD3@57�B3K?7@F ��!�����

���

�����

�������

�����

�Q�����

�����

������

�����

�������

%3@397?7@F�A8�5GEFA?7D�;@8AD?3F;A@ ��!���

���

���

�������

���

�Q������

���

�Q������

���

�Q�����

'F:7D ��!����

���

����

�Q������

���

�Q������

���

�Q������

���

��������

+AF3>M %�

����

���

����

������

����

�Q������

����

�������

����

�Q�����

�A@FD35FE��3@H3EE;@9 %�����

���

����

�������

����

�Q�����

����

�������

����

������

%3@397?7@F�%3;@F3;@;@9�A8�5A@FD35FE

�A>>75F;A@%�

��

���

��

�������

��

�Q�����

��

�������

��

�Q������

!@EGD3@57�B3K?7@F %�����

���

����

������

����

�Q������

����

�Q������

����

�������

%3@397?7@F�A8�5GEFA?7D�;@8AD?3F;A@ %��

���

�Q������

��������

�Q������

��������

ここ

Data / Reference Material

223

'F:7D %����

���

���

��������

���

�Q������

���

�����������

���

�Q������

+AF3>M %*�

�����

���

����

�Q������

����

�Q������

����

�Q�����

����

�Q�����

&7I�5A@FD35FE %*�����

���

����

�Q������

����

�Q�����

����

�Q������

����

�Q�����

�A>>75F;A@ %*�����

���

���

�Q������

���

�Q������

���

�Q������

���

�Q������

%3;@F3;@;@9�A8�5A@FD35FE %*�����

���

����

�Q������

����

�Q������

���

�Q������

���

�Q������

!@EGD3@57�B3K?7@F�(3K?7@F�A8�47@78;FE %*�����

���

����

�Q�����

����

�Q�����

����

�������

����

�Q������

'F:7D %*�����

���

����

������

���

�Q������

���

�Q�����

���

�������

+AF3>M %*(

����

���

�����

�������

����

�Q������

����

�Q������

����

�������

&7I�5A@FD35FE %*(���

���

����

�������

���

�Q������

���

�������

���

������

�A>>75F;A@ %*(�

���

������

%3;@F3;@;@9�A8�5A@FD35FE %*(����

���

����

�������

����

�Q������

���

�Q������

���

�Q�����

!@EGD3@57�B3K?7@F�(3K?7@F�A8�47@78;FE %*(����

���

����

������

���

�Q������

���

�Q�����

���

�Q�����

'F:7D %*(����

���

����

�������

����

�Q������

����

�Q������

����

�������

����!@�D793D6�FA�;@F7DDGBF76�5A@@75F;A@E�53GE76�4K�;@5D73E76�;@5A?;@9�53>>E�3F�F:7�F;?7�A8�BDA6G5F�GB63F7E�;@�'5FA47D�����

!!**''����������������AADD77��**GG44<<7755FFEE������@@HH;;DDAA@@??77@@FF��

%*����!@EGD3@57��DAGB��@H;DA@?7@F3>��3E;5�(A>;5K

��''������??;;EEEE;;AA@@EE��;;@@����GGEE;;@@77EEEE����55FF;;HH;;FF;;77EE

�(7D57@F397�5:3@97�8DA?�F:7�BD7H;AGE�K73D�;@�B3D7@F:7E;E�

!F7?E �AH7D397 ,@;FE �/���� �/���� �/���� �/���� �/����

T �A@EA>;63F76 F��'�������

�������

���������

���

������

������

������

������

������

�������

�'��7?;EE;A@E

�*5AB7���

�DAGB��A?7EF;5��'F:7D F��'������

�Q�����

�����

������

�����

�Q�����

�����

�Q������

�����

�Q�����S

�A@EA>;63F76 F��'������

�Q�����

�����

������

�����

�Q�����

�����

������

�����

������S

M�'��7?;EE;A@E

�*5AB7����

ここ

Data / Reference Material

224

�'��7?;EE;A@E

�*5AB7���

�DAGB��A?7EF;5��'F:7D F��'������

�������

�����

�Q�����

�����

�������

�����

�Q�����

�����

�Q�����S

�A@EA>;63F76 F��'������

�������

�����

�Q�����

������

�������

�����

�Q�����

�����

�Q�����S

�'��7?;EE;A@E

�*5AB7����A@EA>;63F76 F��'�

����

�Q�����

���������

���

������

�Q�����

������

������

������

�������

�����;9GD7E�A8��'��7?;EE;A@E��*5AB7���8DA?�8;E53>������FA�8;E53>������3D7�D7H;E76�8DA?�F:AE7�6;E5>AE76�;@�8;E53>�����

!@�8;E53>������I7�D7BADF�A@���53F79AD;7E�A8�*5AB7�����7?B>AK77�5A??GF;@9��3@6��4GE;@7EE�FD;B�����DA?�8;E53>������A@I3D6E�I7�D7BADF�A@��

53F79AD;7E�A8�*5AB7���

��33FF33��AA@@����@@HH;;DDAA@@??77@@FF33>>��!!??BB3355FF

**55AABB77����������������AAHH77DD339977��11FF::77����DDAAGGBBNNEE��55AA@@EEAA>>;;6633FF7766��88;;99GGDD77EE����;;@@55>>GG66;;@@99��AAHH77DDEE7733EE����AA??BB33@@;;77EE��22

�(7D57@F397�5:3@97�8DA?�F:7�BD7H;AGE�K73D�;@�B3D7@F:7E;E�

!F7?E �AH7D397 ,@;FE �/���� �/���� �/���� �/���� �/����

�>75FD;5;FK �A@EA>;63F76 %.:������

�Q�����

������

�Q�����

������

�Q�����

������

�Q������

������

�Q�����S

73F�EGBB>K �A@EA>;63F76 �"�����

�������

�����

�Q������

�����

�Q�����

�����

������

�����

�������S

�;FK�93E �A@EA>;63F76 F:AGE3@6�?�����

������

����

�������

����

������

����

�Q������

����

�������S

$;CG78;76�(7FDA>7G?��3E �A@EA>;63F76 F���

�������

���

������

���

�������

���

�������

���

������S

73HK�A;> �A@EA>;63F76 =P���

�������

���

�������

���

�Q������

��

�Q�����

���

�������S

#7DAE7@7 �A@EA>;63F76 =P���

������

���

�Q�����

���

������

���

����

���

������S

�;7E7>�A;> �A@EA>;63F76 =P�

����

�������

�Q������

����

����S

�3EA>;@7 �A@EA>;63F76 =P����

�Q�����

����

������

����

�Q�����

����

������

����

������S

+AF3>�7@7D9K�5A@EG?BF;A@ �A@EA>;63F76

%.:������

�Q�����

������

������

������

�Q�����

������

�Q�����

������

������S

�"�������

�Q�����

�������

������

�������

�Q�����

�������

�Q�����

�������

������S

�;9GD7E�A8��>75FD;5;FK�8DA?�8;E53>������FA�8;E53>������3D7�D7H;E76�8DA?�F:AE7�6;E5>AE76�;@�8;E53>�����

**55AABB77��������AAHH77DD339977����??33<<AADD��;;FF77??EE��

�(7D57@F397�5:3@97�8DA?�F:7�BD7H;AGE�K73D�;@�B3D7@F:7E;E�

!F7?E �AH7D397 ,@;FE �/���� �/���� �/���� �/���� �/����

(3B7D�DAGB��A?7EF;5

�'F:7DF

�����

�Q������

�����

������

�����

�Q������

�����

������

�����

�Q�����

ここ

Data / Reference Material

225

(DABADF;A@�A8�B3B7D�I;F:

8AD7EF�57DF;8;53F;A@

%*!���!�%*�

�"3B3@��

����

�������

����

��������

����

�������

����

������

����

������

+AF3>�I3F7D�GE7�A@EA>;63F76

����F:AGE3@6�?�

���

�Q������

���

���

���

������

���

���

����

�������S

+AF3>�6;EBAE76�I3EF7�A@EA>;63F76

����F

����

�������

����

���

����

�Q������

����

���

�����

�������S

+AF3>�D75K5>76�I3EF7

�DAGB��A?7EF;5

�'F:7D

��/������

F����

�Q������

����

�������

����

�Q������

����

�������

����

�������

�GE;@7EE�FD;B���;D5D38F

GE7�A@>K�

�A@EA>;63F76

���������

F:AGE3@6

B3EE7@97D�=?�����

�����

���

�����

�Q�����

�����

���

�����

�������S

�����!@�8;E53>������F:7�4AG@63DK�;E�E;F7E�A8�%*�3@6����;@�"3B3@��!@�8;E53>������3@6������F:7�4AG@63DK�;E�%*����%*��3@6�'H7DE73E�

�����!@�8;E53>������F:7�4AG@63DK�;E�E;F7E�A8�%*�3@6����;@�"3B3@��!@�8;E53>������3@6������F:7�4AG@63DK�;E�E;F7E�A8�%*����3@6�%*��;@�"3B3@�

�����*;9@;8;53@F�;@5D73E7�A8�4GE;@7EE�FD3H7>�;E�6G7�FA�F:7�35CG;E;F;A@�A8��?>;@�B>5�

))77@@77II3344>>77����@@77DD99KK����77@@77DD33FF;;AA@@����((::AAFFAAHHAA>>FF33;;55��((AAII77DD��

!F7?E �AH7D397 ,@;FE �/���� �/���� �/���� �/���� �/����

�@7D9K��7@7D3F;A@ ���G;>6;@9E���� =.: ����� ����� ����� ����� ����� S

�����%*!�*GDG9363;�%3;@���&7I�4>69E�%*!�'E3=3�/A6AK343E:;�4>69���!�+A=KA��GEFA?7D��7@F7D�4>69�

��AAEEFF��))7766GG55FF;;AA@@����88887755FF

!F7?E �AH7D397 ,@;FE �/���� �/���� �/���� �/���� �/����

�>75FD;5;FK���� �A@EA>;63F76 F:AGE3@6�"(/ Q������ ����� Q����� Q������ Q�����

�3EA>;@7���� �A@EA>;63F76 F:AGE3@6�"(/ Q����� Q����� Q����� ����� ������

�ABK�(3B7D���� �DAGB��A?7EF;5��'F:7D F:AGE3@6�"(/ Q����� Q����� Q����� Q����� Q����

������3>5G>3F76�8DA?�F:7�3H7D397�G@;F�BD;57�A8�7>75FD;5;FK�3F�%*���� A>6;@9E���DA?�8;E53>������A@I3D6E�I7�;@5>G67�AH7DE73E�

������3>5G>3F76�8DA?�F:7�B7FDA>7G?�BDA6G5FE�BD;57�EGDH7K�93EA>;@7�@3F;A@I;67�3@@G3>�3H7D397�G@;F�BD;57���97@5K�8AD�&3FGD3>�)7EAGD57E�3@6

�@7D9K����DA?�8;E53>������A@I3D6E�I7�;@5>G67�AH7DE73E�

������8875FE�A8�5ABK�B3B7D�D76G5F;A@

��@@HH;;DDAA@@??77@@FF33>>����BBBBDDAA3355::77EE��FF::DDAAGG99::��**GGBBBB>>KK����::33;;@@

!F7?E �AH7D397 ,@;FE �/���� �/���� �/���� �/���� �/����

)3F;A�A8�.74�(A>;5K��>3GE7��� %*!���! � ���� ���� ���� ���� ����

&G?47D�A8��97@FE�3@6�5A?B3@;7E�I;F:

57DF;8;53F;A@�G@67D��5A��5F;A@���%*!���! 5A?B3@;7E ���� ���� ��� ��� ���

&G?47D�A8�?3;@F7@3@57�E:ABE�;?B>7?7@F;@9

�5A�;@EB75F;A@��5A�?3;@F7@3@57%*! 5A?B3@;7E ��� ��� ��� ��� ���

����'@>;@7��+7D?E����A@6;F;A@E��;@�5A@E;67D3F;A@�A8�7@H;DA@?7@F

ここ

Data / Reference Material

226

!!**''����������������AADD77��**GG44<<7755FFEE������AA????GG@@;;FFKK��!!@@HHAA>>HH77??77@@FF��33@@66����77HH77>>AABB??77@@FF����

!F7?E �AH7D397 ,@;FE �/���� �/���� �/���� �/���� �/����

&G?47D�A8�35CG;D7D�A8

-A>G@F77D�>73H7

%*!���!

%*�B7AB>7 �� � � � �

&G?47D�A8�35CG;D7D�A8

-A>G@F77D�EGEB7@E;A@

%*!���!

%*�B7AB>7 � � � � �

&G?47D�A8�7?B>AK77E

7@93976�;@�EA5;3>

5A@FD;4GF;A@�35F;H;F;7ETT

�DAGB

�A?7EF;5B7AB>7 ����� ����� ����� ����� �����

%*����,@;EA@�*?;>7

�>G4�&G?47D�A8�?7?47DE

�DAGB

�A?7EF;5B7AB>7 ����� ����� ����� ����� �����

�;E3EF7D

)7>;78

�A@3F;A@

%3F5:;@9

�;8F

(DA9D3?

�A@3F76

3?AG@F�A@EA>;63F76 K7@ �������� �������� �������� �������� ��������

&G?47D�A8

B3DF;5;B3@FE�A@EA>;63F76 B7AB>7 ����� ����� ����� ����� �����

�A@3F;A@�����DAGB

�A?7EF;5K7@ ��������� ��������� ��������� ��������� ����������

�����+AF3>�B3DF;5;B3@FE

�����!@5>G6;@9��;E3EF7D�)7>;78�FAF3>�3?AG@F�A8��A@3F;A@�%3F5:;@9��;8F�7J5>G6;@9�6A@3F;A@�8DA?�7?B>AK77E

!!**''����������������AADD77��**GG44<<7755FFEE���� GG??33@@��));;99::FFEE������$$3344AADD��((DD3355FF;;5577EE��

��??BB>>AAKK??77@@FF����

!F7?E �AH7D397TT ,@;FE �/���� �/���� �/���� �/���� �/����

&G?47D�A8�F:7��DAGB

7?B>AK77E����

+7?BAD3DK�7?B>AK77E

3D7�EGB7DE5D;BF76�3E

F:7�3H7D397�@G?47D�A8

3@@G3>�F7?BAD3DK�:;D7E

;@�F:7�4D35=7F�

�DAGB

5A@EA>;63F76

?3>7�87?3>7

5A?4;@76

FAF3>

TTB7AB>7 ����� ����� ����� ����� �����

������ ������ ������ ������� �������

?3>7 B7AB>7 � � � � �����

87?3>7 B7AB>7 � � � � �����

�DAGB

6A?7EF;5

?3>7�87?3>7

5A?4;@76

FAF3>

TTB7AB>7 ����� ����� ����� ����� �����

������ ������ ������ ������ ������

?3>7 B7AB>7 � � � ����� �����

87?3>7 B7AB>7 � � � ����� �����

5A?B3@;7E %*! B7AB>7 ����� ����� ����� ����� �����

��! B7AB>7 ����� ����� ����� ����� �����

%� B7AB>7 ��� ��� ��� ��� ���

%*� B7AB>7 ���� ���� ���� ���� ����

ここ

Data / Reference Material

227

%*( B7AB>7 ��� ��� ��� ��� ���

:A>6;@9

5A?B3@K � B7AB>7 ��� ��� ��� ��� ���

'H7DE73E ?3>7�87?3>7

5A?4;@76

FAF3>

TTB7AB>7 ���� ���� ���� ���� ����

����� ����� ����� ����� �����

?3>7 B7AB>7 � � � � ����

87?3>7 B7AB>7 � � � � ����

'F:7DVO�W ?3>7�87?3>7

5A?4;@76

FAF3>

T B7AB>7 �� ��� ��� ��� ���

?3>7 B7AB>7 � � � � ���

87?3>7 B7AB>7 � � � � ��

������J5>G67E�7?B>AK77E�FD3@E87D;@9�AGF�A8�F:7�5A?B3@K�4GF�;@5>G67E�7?B>AK7EE�FD3@E87DD;@9�;@���J5>G67E�7J575GF;H7�A88;57DE�3@6�7?B>AK77E

A@�>73H7�

�����);E=�D7>3F76�E7DH;57�4GE;@7EE7E�AB7D3F76�4K�F:7��DAGB��A?B3@;7E�AF:7D�F:3@�F:AE7�;@�F:7�6A?7EF;5�;@EGD3@57�;@6GEFDK

��DD7733==66AAII@@��AA88��99DDAAGGBB��66AA??77EEFF;;55��77??BB>>AAKK7777EE

!F7?E �AH7D397 ,@;FE �/���� �/���� �/���� �/���� �/����

�H7D397�397���� �DAGB

6A?7EF;5

?3>7�87?3>7

5A?4;@76�FAF3>T 397 ���� ���� ���� ���� ����

�DAGB

6A?7EF;5?3>7 397 ���� ���� ���� ���� ����

�DAGB

6A?7EF;587?3>7 397 ���� ���� ���� ���� ����

�H7D397�>7@9F:�A8

E7DH;57

�DAGB

6A?7EF;5

?3>7�87?3>7

5A?4;@76�FAF3>T K73D ���� ���� ���� ���� ����

�DAGB

6A?7EF;5?3>7 K73D ���� ���� ���� ���� ����

�DAGB

6A?7EF;587?3>7 K73D ���� ���� ���� ���� ����

&G?47D�A8�D79G>3D

:;D7E����

�DAGB

6A?7EF;5

?3>7�87?3>7

5A?4;@76�FAF3>T B7AB>7 ��� ��� ���� ���� ����

�DAGB

6A?7EF;5?3>7 B7AB>7 ��� ��� ��� ��� ���

�DAGB

6A?7EF;587?3>7 B7AB>7 ��� ��� ��� ��� ���

+GD@AH7D�D3F7���� �DAGB

6A?7EF;5

?3>7�87?3>7

5A?4;@76�FAF3>T � � � � ��� ���

ここ

Data / Reference Material

228

�����+:7�7@6�A8�%3D5:�A8�735:�K73D

�����+:7�@G?47D�A8�@7I�:;D7E�;@��BD;>�A8�735:�K73D

������J5>G67�D7F;D77E�3@6�3D7�53>5G>3F76�43E76�A@�HA>G@F3DK�D7E;9@77E

��;;HH77DDEE;;FFKK

T�T

!F7?E �AH7D397 ,@;FE �/���� �/���� �/���� �/���� �/����

�?B>AK?7@F�D3F7�3@6�@G?47D

A8�7?B>AK77E�I;F:�6;E34;>;F;7E

�DAGB

6A?7EF;5TT

U ���� ���� ���� ���� ����

B7AB>7 ��� ��� ��� ��� ���

)7:;D;@9�(DA9D3?�38F7D

D7F;D7?7@F�&G?47D�A8

GE7DE����

�DAGB

6A?7EF;5TT B7AB>7 ��� ��� ��� ��� ����

(7D57@F397�3@6�@G?47D�A8

87?3>7E�3?A@9�4A3D6�?7?47DE

3@6�5ADBAD3F7�3G6;FADE����

� �;D75FADE U � � � ��� ����

B7AB>7 � � � � �

�ADBAD3F7

�G6;FADE

U � � � � ����

B7AB>7 � � � � �

(7D57@F397�3@6�@G?47D�A8

87?3>7E�;@�?3@397D;3>

BAE;F;A@E����

�DAGB

�A@EA>;63F76

+AF3>

?3@397D;3>

BAE;F;A@E

U � � � � ����

B7AB>7 � � � � ����

�DAGB

6A?7EF;5

�7@7D3>

%3@397DE

U ��� ��� ��� ��� ���

B7AB>7 � �� �� �� ��

%3@397DE U ��� ��� ��� ��� ���

B7AB>7 ��� ��� ��� ��� ���

+AF3>

?3@397D;3>

BAE;F;A@E

U ��� ��� ��� ��� ���

B7AB>7 ��� ��� ��� ��� ���

�����&G?47D�A8�B7AB>7�@7I>K�AD�5A@E75GF;H7>K�D7�7?B>AK76

������BBDAH76�3F�E:3D7:A>67DE�?77F;@9�:7>6�735:�@7JF�8;E53>�K73D�

������E�A8��BD;>��EF�@7JF�8;E53>�K73D�8AD��DAGB��A?7EF;5���E�A8��757?47D���EF�8AD�'H7DE73E�;@EG3D3@57�EG4E;6;3D;7E

GG??33@@��));;99::FFEE

!F7?E �AH7D397 ,@;FE �/���� �/���� �/���� �/���� �/����

G?3@�D;9:FE�E7?;@3DE %*! ����� ���� ���� ���� ���� �����

��! ����� ���� ���� ���� ���� �����

�����B3DF;5;B3F;A@�D3F7�A8�E7?;@3DE��;@5>G6;@9�7?B>AK77E�3F�388;>;3F76�4GE;@7EE�5A?B3@;7E�

������A?B>7F;A@�D3F7�A8�7�>73D@;@9

!F7?E �AH7D397 ,@;FE �/���� �/����

$34AD�G@;A@�?7?47DE:;B�D3F7 "3B3@ � ���� ����

((DDAA99DD33??EE��88AADD��((DDAA??AAFF;;@@99��..AADD==��>>;;8877����33>>33@@5577

ここ

Data / Reference Material

229

!F7?E �AH7D397 ,@;FE �/���� �/���� �/���� �/���� �/����

+7?BAD3DK�>73H7�478AD7� �38F7D

5:;>64;DF:

&G?47D�A8�35CG;D7DE

�DAGB�6A?7EF;5 B7AB>7 ��� ��� ��� ��� ���

+7?BAD3DK�>73H7�8AD�5:;>653D7

&G?47D�A8�35CG;D7DE �DAGB

6A?7EF;5

?3>7�

87?3>7

5A?4;@76

FAF3>

T B7AB>7 ��� ��� ��� ��� ���

?3>7 B7AB>7 � � �� �� ���

87?3>7 B7AB>7 ��� ��� ��� ��� ���

�>7J;4>7�IAD=;@9�:AGDE�8AD�5:;>653D7

&G?47D�A8�35CG;D7DE

�DAGB

6A?7EF;5

E:ADF7D�:AGDE B7AB>7 ��� ��� ��� ��� ���

8>7JF;?7 B7AB>7 �� �� �� �� ��

�:3@97�A8

*F3DF;@9�

�;@;E:;@9�F;?7

B7AB>7 � � � �� ��

+7?BAD3DK�D7F;D7?7@F�8AD�@GDE;@9

&G?47D�A8�35CG;D7DE �DAGB

6A?7EF;5

?3>7�

87?3>7

5A?4;@76

FAF3>

T B7AB>7 �� �� �� �� ��

?3>7 B7AB>7 � � � � �

87?3>7 B7AB>7 � �� �� �� ��

�>7J;4>7�IAD=;@9�:AGDE�8AD�@GDE;@9

&G?47D�A8�35CG;D7DE

�DAGB

6A?7EF;5

&G?47D�A8

35CG;D7DEB7AB>7 �� � � �� �

)3F;A�A8�7?B>AK77E�F3=;@9�B3;6

>73H7����DAGB�6A?7EF;5 � � � ���� ���� ����

����&G?47D�A8�63KE�35CG;D76� �9D3@F76��!@5>G6;@9�E5:76G>76� �H353F;A@��7J5>G6;@9�53DD;@9�AH7D��3@6�EB75;3>�H353F;A@�EG5:�3E�EG??7D

H353F;A@�

7733>>FF::��33@@66��**338877FFKK��33FF��..AADD==

!F7?E �AH7D397 ,@;FE �/���� �/���� �/���� �/���� �/����

&G?47D�A8�5>3;?E�8AD

IAD=�D7>3F76�;@<GD;7E

�DAGB�6A?7EF;5

+AF3> T 53E7E ��� ��� ��� ��� ���

.AD=�

D7>3F76

355;67@F

53E7E �� �� �� �� ���

�55;67@F

6GD;@9

5A??GF7

53E7E �� �� �� �� ���

�3F3>;FK

355;67@F53E7E � � � � �

�A@EG>F3F;A@�D3F7�A8

%76;53>��:75=GB�����DAGB�6A?7EF;5 � ���� ����� ����� ����� �����

+AF3>�>AEF�63KE�6G7

FA�34E7@F77;E?�����DAGB�6A?7EF;5 63KE ����� ����� ����� ����� ����� S

�����&G?47D�A8�7?B>AK77E�G@67D9A;@9�?76;53>�5:75=GB�5A@EG>F3F;A@� �@G?47D�A8�7?B>AK77E

�����!@5>G67�F7?BAD3DK�7?B>AK77E�;@�F:7�5AH7D397

ここ

Data / Reference Material

230

������&&��������&&((,,����''''))&&��##����

�������� ��#')&�#����&$)%���'��#�����������������)'(��#���!�(,��$����(���'�#������($�%�&�$&"��#��'')&�#��

�#����"�#(�$��'$"��'�!��(����#*�&$#"�#(�!��#��'$���!���(���#�$&��&�($��'')&���&�����!�(,�$��&�%$&(������)&�'��������(�

')� ��(�($�(���(��&��%�&(,��'')&�#����'��#����(���+�(��-�

�����'��#��%�#��#(��'')&�#���&�%$&(��'��$)#����&�

������!�)!�(�$#�"�(�$�$!$�,��$&�(�����(���'��$)#����&�

ここ

Third-Party Assurance

231

232

Scope and Method of Calculating Environmental Data Item Method of calculating amounts of energy used, amounts of

disposed waste, and passenger-kilometers traveled CO2 emission factor

Japan Actual measured energy usage collected in accordance with the Act on the Rational Use of Energy, which covers all of the energy use within each of Company-owned buildings.

Amount of electric power, gas, cold and hot water, heavy oil, and kerosene used

Overseas Calculated from energy purchase costs and unit price by country as published by JETRO (*1).

Japan In principle, actual measured amounts of gasoline and diesel oil are used. When an actual measured amount of gasoline is unknown, the amount is calculated from the gasoline purchase cost and the domestic national average unit price as published in a survey of gas station retail prices conducted by Japan’s Agency for Natural Resources and Energy.

Amount of gasoline and diesel oil used

Overseas In principle, the amount used is calculated from gasoline purchase costs and unit price by country as published by JETRO. When the cost of gasoline is unknown, it is calculated from the amount of gasoline used per car and the number of cars at overseas sites, or the amount of gasoline used per person at overseas sites and the number of employees overseas.

Emission factor by energy source based on the Act on Promotion of Global Warming Countermeasures as published by Japan’s Ministry of the Environment and emission factor by electric power utility. For overseas electric power, emission factor by country published by IEA (*2).

Japan In principle, the amount of general waste disposed of from Company-owned buildings is the actual measured amount, which covers 41.6% of the total in terms of the number of employees. When an actual amount is unknown, it is estimated from the cost of waste disposal and the unit cost. The amount of general waste disposed of from non-Company-owned buildings is calculated from the amount of disposed general waste per person in Company-owned buildings and the number of employees in non-Company-owned buildings. The amount of disposed industrial waste is the actual measured amount.

Amount of disposed waste

Overseas Calculated from the amount of disposed general waste per person in Company-owned buildings in Japan and the number of employees overseas.

Amount of water used

Japan The amount of water used in Company-owned buildings is the actual measured amount, which covers 59.3% of the total in terms of the number of employees. The amount of water used in non-Company-owned buildings is calculated from the amount of water used per person in Company-owned buildings and the number of employees in non-Company-owned

233

buildings.

Overseas Calculated from water use per person in Company-owned buildings in Japan and the number of employees overseas

Japan Business travel (by plane)

Overseas

Calculated from domestic and international air travel expenses estimated from domestic and international business travel expenses (assuming that 10% or 20% of domestic business travel expenses and 50% of international business travel expenses are air travel expenses), emissions unit values per amount of transportation costs incurred as published by Japan’s Ministry of the Environment, and emissions unit value per thousand passenger-kilometers traveled by type of transportation.

Database of emissions unit values for calculating supply chain greenhouse gas emissions, as published by Japan’s Ministry of the Environment.

Organizational boundary: MS&AD Insurance Group Holdings, Inc. and its consolidated subsidiaries.

*1 JETRO: Japan External Trade Organization

*2 IEA: International Energy Agency

234

��))77::11����==::77,,))

�@-+=<1>-��1:-+<7:���$!� -<?7:3��)8)6���=/=;<�������8:-;-6<�

�)8)6��1:-+<7:��%0-��;1)��7=6,)<176���8:14������8:-;-6<�

�$!���$7+1)4�#-;876;1*141<A�'7:316/��:7=8��@8-:<�:-8:-;-6<16/��)8)6-;-� �!;

���������

�;�#-8:-;-6<)<1>-��1:-+<7:��":-;1,-6<�����!�();=A7;01��):);)?)�;<)<-,�16�01;��-;;)/-��=6+-:<)16<1-;�):1;16/�.:75

-@<-:6)4�.)+<7:;�;=+0�);�.:-9=-6<�6)<=:)4�,1;);<-:;��5)27:�+0)6/-;�16�<0-�8741<1+)4�;1<=)<176�7.�<0-�?7:4,��)6,�;7+1)4�1;;=-;

*7<0�16��)8)6�)6,�7>-:;-);�):-�16+:-);16/4A�+:1<1+)4�16�<0-�;7+1-<A�)6,�-+7675A�'014-�<0-�-@8-+<)<176;�)6,�,-5)6,;�.7:

+7:87:)<176;�<7�:-;876,�<7�<0-�+0)6/-;�16�<0-�-@<-:6)4�-6>1:765-6<�8:758<4A�)6,�<7�8:787;-�5-);=:-;�),,:-;;16/�1;;=-;

):-�+-:<)164A�16+:-);16/��<0-�:74-;�<7�*-�.=4.144-,�*A�16;=:)6+-�+758)61-;�):-�)4;7�-@8)6,16/

�1>-6�<0-�.)+<�)6,�+76<16=16/�.:75�<0-�8:->17=;�A-):����?7=4,�413-�<7�;0):-�5A�7816176;�76�<0-��$�����6;=:)6+-��:7=8�;

�$#�+7551<5-6<�*);-,�76�<0-�+76<-6<;�7.�1<;��$#�#-87:<

##-->>11--??��77..��""::1177::11<<AA����;;;;==--;;

%0-��:7=8�0);�:->1-?-,�1<;�8:17:1<A�1;;=-;�*);-,�76�<0-�+0)6/-;�16�<0-�/47*)4�16,1+)<7:;�;=+0�);�<0-�& C;�$=;<)16)*4-

�->-4785-6<��7)4;��$��;���6�8144):���7.�<0-�161<1)<1>-�7.���76<:1*=<16/�<7�#-;74=<176�7.�$7+1)4��;;=-;�<0:7=/0�<0-

�=;16-;;���;7+1)4�1;;=-;�):-�:-+4);;1.1-,�16<7�<0-�.7447?16/�.7=:�):-);�����++1,-6<�":->-6<176���1;);<-:�":->-6<176�)6,

�1<1/)<176�����#-;876;-�<7��415)<-��0)6/-�� ��#-;876;-�<7��/16/�$7+1-<A�)6,�����->-4785-6<�7.��7+)4��755=61<1-;

%0:7=/0�<0-�+758:-0-6;1>-�:->1-?�7.�<0-�*=;16-;;�57,-4��?01+0�8:7>1,-;�8:-+)=<176):A�5-);=:-;�<7�8:->-6<�:1;3;��<0-

:-4->)6+-�7.�*=;16-;;�)6,��$#�-..7:<;�):-�+4-):4A�,1;+47;-,��;�,-;+:1*-,�16�<0-�5-;;)/-�.:75�<0-�<78�5)6)/-5-6<�)<

<0-�*-/16616/�7.�<01;�:-87:<��%0-��:7=8C;�)<<1<=,-�<7?):,;��$#�1;�+4-):4A�;<)<-,

$16+-�)44�7.�<0-;-�.7=:�):-);�):-�7.�01/0�1587:<)6+-�);�)�/47*)4�1;;=-����)5�-@8-+<16/�<7�;--�57:-�161<1)<1>-;�<0)<

)6<1+18)<-�:-4->)6<�16,1>1,=)4�6--,;�)6,�*=;16-;;�1;;=-;��)6,�,1;;-516)<-�<0-�:-4->)6<�)+<176;�<7�*7<0�,75-;<1+�)6,

7>-:;-);�78-:)<176;��;���?:7<-�4);<�A-):��1<�?7=4,�*-�/:-)<�<7�;--�)�;7+1)4�16,1+)<7:�<0)<�5-);=:-;�<0-�4->-4�7.�158)+<

;=+0�);�;-:>1+-;�<0)<�)+<=)44A�)<<:1*=<-�<7�:-;74>16/�;7+1)4�1;;=-;

""))::<<11++1188))<<117766��<<77����6611<<11))<<11>>--;;��))66,,����@@<<--::66))44����>>))44==))<<117766

%0-��:7=8�0);�-6/)/-,�16�>):17=;�161<1)<1>-;�<0:7=/0�)+<176;�;=+0�);�8):<1+18)<176�16�<0-�& ��47*)4��758)+<��;1/6)<=:-�<7

":16+184-;�.7:�$=;<)16)*4-��6;=:)6+-��"$���)6,�<0-�":16+184-;�.7:�#-;876;1*4-��6>-;<5-6<��"#����)6,�1584-5-6<16/��)8)6C;

$<-?):,;018��7,-��)6,�<)316/�8):<�16�<0-���"���?7=4,�413-�<7�/:-)<4A�)884)=,�<0-��:7=8�76�;1/616/�<0-� )<=:)4��)81<)4

�-+4):)<176�16��=4A������?01+0�,-+4):-;�<0)<�.16)6+1)4�16;<1<=<176;�;07=4,�16+7:87:)<-�<0-�+76+-8<�7.�6)<=:)4�+)81<)4�16<7

<0-1:�.16)6+1)4�8:7,=+<;�)6,�;-:>1+-;�.7:�<0-���;<�+-6<=:A��;�)�:-;=4<�<0-��:7=8�?);�;-4-+<-,�);�)�+75876-6<�5-5*-:�7.

$#��16,1+-;

ここ

Third-party Opinion

235

%0)63�A7=�>-:A�5=+0�.7:�A7=:�>)4=)*4-�.--,*)+3�76�<0-������$#�#-87:<�7.�<0-��$�����6;=:)6+-��:7=8

�6�.1;+)4������<0-�;-+76,�A-):�7.�<0-�5-,1=5�<-:5�5)6)/-5-6<�84)6�� -@<��0)44-6/-�������*);-,�76�;1/61.1+)6<

+0)6/-;�16�<-:5�7.�/47*)4�-6>1:765-6<�)6,�16<-:6)<176)4�+755=61<A�16�<0-�8:->17=;�A-):��?-�,-41*-:)<-4A�:->1-?-,�<0-

1;;=-;�<7�*-�),,:-;;-,�.7:��#-;74=<176�7.�$7+1)4��;;=-;���?01+0�1;�76-�7.�<0-��:7=8C;�*);1+�;<:)<-/1-;�%0-6��?-�:-�

:-+7/61B-,�<0-�.7447?16/;�);�8:17:1<A�1;;=-;�)6,�8:7+--,-,�7=:�161<1)<1>-;�!6-�1;�<7�-):6�;7+1)4�<:=;<�<0:7=/0�<0-

158:7>-5-6<�7.�8:7,=+<;�)6,�;-:>1+-;�9=)41<A�?1<0�-580);1;�76�+755=61+)<176�?1<0�;<)3-074,-:;�%0-�7<0-:�1;�<7

+76<:1*=<-�<7�<0-�:-;74=<176�7.�;7+1)4�1;;=-;������++1,-6<�":->-6<176���1;);<-:�":->-6<176�)6,��1<1/)<176�����#-;876;-

<7��415)<-��0)6/-�� ��#-;876;-�<7��/16/�;7+1-<A��)6,�����->-4785-6<�7.��7+)4��755=61<1-;

�A�8:7>1,16/�8:7,=+<;�)6,�;-:>1+-;�?1<0�01/0�9=)41<A�-67=/0�<7�-):6�<0-�<:=;<�7.�;<)3-074,-:;��?-�.7+=;-,�76

+76<:1*=<16/�<7�<0-�:-;74=<176�7.�<0-�.7=:�;7+1)4�1;;=-;�);�<0-A�):-�+47;-4A�:-4)<-�<7�<0-��:7=8C;��=;16-;;-;�)6,�<0-

;7+1-<A�,-;1:-;�5-);=:-;�<7�*-�<)3-6�<7�.:-9=-6<�7++=::-6+-;�7.�6)<=:)4�,1;);<-:;�,=-�<7�+415)<-�+0)6/-�7:�<0-

-5-:/16/�:1;3;�<0)<�)++758)61-,�?1<0�<0-�8:7/:-;;�7.�<-+06747/A

'-�?144�67<�764A�-60)6+-�7=:�161<1)<1>-;�*=<�158:7>-�7=:�9=)6<1<)<1>-�16,1+)<7:;�<0)<�5-);=:-�158)+<;�7.�<0-;-�8:7,=+<;

)6,�;-:>1+-;�76�;7+1)4�1;;=-;�)6,�158:7>-�7.�7=:�,1;+47;=:-��?01+0�1;�8716<-,�7=<�<7�*-�158:7>-,�<01;�.1;+)4�A-):

$1/616/�<0-� )<=:)4��-+4):)<176�16��=4A������?01+0�1;�)884)=,-,�16�%01:,�"):<A�!816176��5-)6;�7=:�:-+7/61<176�<0)<

6)<=:)4�+)81<)4�1;�<0-�*);1;�.7:�)+01->16/�)44�/7)4;�7.�$��;

'1<0�:-/):,�<7�<01;�):-)��?-�?144�+76<16=-�<7�;=887:<�<0-�+758)<1*141<A�7.�<0-�/47*)4�-6>1:765-6<�)6,�*=;16-;;�)+<1>1<1-;

*A�4-),16/�+76;-:>)<176�)6,�;=;<)16)*4-�=<141B)<176�7.�6)<=:)4�+)81<)4��-;8-+1)44A�<7?):,;�)+01->16/�<0-�.7=:�$��;

:-4)<-,�<7�<0-�;<)*141B)<176�7.�6)<=:)4�+)81<)4�)6,�<0-�+415)<-�;A;<-5

�);-,�76�<0-���:7=8��);1+�"741+A�76��=5)6�#1/0<;���;<18=4)<-,�16��-*:=):A������?-�16<-6,�<7�.=:<0-:�7=:�;<:1>-

<7?):,;�:-;8-+<16/�0=5)6�:1/0<;��+-6<-:16/�76�<0-�,-+1,-,�8:17:1<A�1;;=-;�16�7:,-:�<7�.=4.144�7=:�;7+1)4�:-;876;1*141<1-;�);

)�+758)6A

�);-,�76�7=:�5)6)/-5-6<�80147;780A�7.��%7�+76<:1*=<-�<7�<0-�,->-4785-6<�7.�)�>1*:)6<�;7+1-<A�)6,�0-48�;-+=:-�)

;7=6,�.=<=:-�.7:�<0-�-):<0��*A�*:16/16/�;-+=:1<A�)6,�;).-<A�<0:7=/0�<0-�/47*)4�16;=:)6+-�)6,�.16)6+1)4�;-:>1+-;

*=;16-;;���?-�?144�+76<16=-�<7�)15�<7�158:7>-�<0-�+7:87:)<-�>)4=-�)6,�<7�+76<:1*=<-�<7�<0-�+:-)<176�7.�)�;=;<)16)*4-

)6,�.4-@1*4-�;7+1-<A�*A�+76;1,-:16/�5=<=)4�16.4=-6+-�?1<0�<0-�-6>1:765-6<�)6,�;7+1-<A�16�->-:A�);8-+<�7.�*=;16-;;

)+<1>1<1-;�)6,�)+<16/�?1<0�;=+0�+76;1,-:)<176

�$�����6;=:)6+-��:7=8��74,16/;���6+

(=;=3-�$01:)1���-6-:)4��)6)/-:���7:87:)<-�"4)6616/��-8):<5-6<

##--;;88--++<<��..77::����==55))66��##11//00<<;;

�6�.1;+)4������<0-��:7=8�;<18=4)<-,��:7=8��);1+�"741+A�76��=5)6�#1/0<;�)6,�+755-6+-,�.7:�0=5)6�:1/0<;�,=-�,141/-6+-

'014-�16.:16/-5-6<�7.�<0-�:1/0<�<7�8:1>)+A�1;�,:)?16/�57:-�)<<-6<176�);�)�6-?�0=5)6�:1/0<;�1;;=-��<0-��:7=8�0);�.7+=;-,

1<;�)<<-6<176�76�<01;�1;;=-�)6,�.7:5=4)<-,�<0-��#-;876;1*141<1-;�);�)��47*)4��6;=:)6+-�)6,��16)6+1)4�$-:>1+-;�":7>1,-:��16

416-�?1<0�<0-�8741+A��=5)6�:1/0<;�,=-�,141/-6+-�;-+<176�16+4=,-;�+=<<16/�-,/-�+76<-6<;�;=+0�);���);;-;;5-6<�)6,

8:->-6<176�����:-5-,A��:-5-,1)<176�)6,�,1)47/=-���)6,��-,=+)<176�)6,�<:)1616/���);<�A-):��16�5A�<01:,�8):<A�7816176��

?:7<-�<0)<����-@8-+<�<0)<�<0-��:7=8�?144�.=:<0-:�8:757<-�<0-�:-;8-+<�.7:�0=5)6�:1/0<;��%01;�A-):���?7=4,�413-�<7�;<)<-

<0)<�<0-��:7=8�1;�8:7/:-;;16/�;<-),14A�#-;8-+<�.7:�0=5)6�:1/0<;�?);�=;-,�<7�*-�:-/):,-,�);�+7;<�*=<�:-+-6<4A�<0-

8-:+-8<176�0);�+0)6/-,�<7�<0-�1,-)�<0)<�:-;8-+<�.7:�0=5)6�:1/0<;�1;�,1:-+<4A�4163-,�<7�+7:87:)<-�8:7.1<;���?7=4,�413-�<7�;--

<0-��:7=8�;�16+:-);16/�1<;�-..7:<;�<7�:-;8-+<�0=5)6�:1/0<;�)4;7�16�<0-�.=<=:-

!!==::��##--;;887766;;--��<<77��<<00--��%%0011::,,��""))::<<AA��!!881166117766��7766��!!==::����$$##��##--8877::<<

ここ

Third-party Opinion

236