{"id":3619,"date":"2025-10-29T17:38:46","date_gmt":"2025-10-29T08:38:46","guid":{"rendered":"https:\/\/ndc-center.jp\/access\/finance\/?p=3619"},"modified":"2026-05-08T08:00:00","modified_gmt":"2026-05-07T23:00:00","slug":"too-much-debt","status":"publish","type":"post","link":"https:\/\/ndc-center.jp\/access\/finance\/too-much-debt\/","title":{"rendered":"\u501f\u91d1\u306f\u3044\u304f\u3089\u304b\u3089\u3084\u3070\u3044\uff1f100\u4e07\u5186\u4ee5\u4e0b\u306e\u5c11\u984d\u3067\u3082\u6ce8\u610f\u3059\u3079\u304d\u4e8b\u4f8b\u3068\u8fd4\u6e08\u3067\u304d\u306a\u3044\u3068\u304d\u306e\u5bfe\u51e6\u6cd5"},"content":{"rendered":"<p>\u73fe\u5728\u501f\u91d1\u3092\u62b1\u3048\u3066\u3044\u308b\u4eba\u306f\u300c\u501f\u91d1\u304c\u3044\u304f\u3089\u304b\u3089\u3084\u3070\u3044\u306e\u304b\u300d\u300c\u307f\u3093\u306a\u501f\u91d1\u306f\u3044\u304f\u3089\u304f\u3089\u3044\u3042\u308b\u3082\u306e\u306a\u306e\u304b\u300d\u4e0d\u5b89\u306b\u306a\u308b\u3053\u3068\u3082\u3042\u308b\u306f\u305a\u3002<\/p>\n<p>\u501f\u91d1\u304c\u3084\u3070\u3044\u3068\u3044\u3048\u308b\u5177\u4f53\u7684\u306a\u501f\u5165\u91d1\u984d\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u4e00\u822c\u7684\u306b\u5e74\u53ce\u306e3\u5206\u306e1\uff08<a href=\"https:\/\/www.j-fsa.or.jp\/association\/money_lending\/law\/annual_income.php\" target=\"_blank\">\u7dcf\u91cf\u898f\u5236<\/a>\uff09\u3092\u8d85\u3048\u308b\u3068\u8fd4\u6e08\u80fd\u529b\u3092\u8d85\u3048\u308b\u5371\u967a\u306a\u30e9\u30a4\u30f3\u3068\u5224\u65ad\u3055\u308c\u307e\u3059\u3002<\/p>\n<p>\u672c\u8a18\u4e8b\u3067\u306f\u3001\u501f\u91d1\u304c\u3084\u3070\u3044\u3068\u3044\u3048\u308b\u30e9\u30a4\u30f3\u3084\u3001\u6ce8\u610f\u3057\u305f\u65b9\u304c\u3088\u3044\u4eba\u306e\u7279\u5fb4\u3001\u307f\u3093\u306a\u501f\u91d1\u304c\u3044\u304f\u3089\u3042\u308b\u306e\u304b\u306e\u5272\u5408\u3084\u5e73\u5747\u501f\u5165\u984d\u3092\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<p>\u81ea\u529b\u3067\u8fd4\u6e08\u3092\u9032\u3081\u308b\u30b3\u30c4\u3084\u3001\u8fd4\u6e08\u304c\u96e3\u3057\u3044\u5834\u5408\u306e\u5bfe\u51e6\u6cd5\u3082\u7d39\u4ecb\u3059\u308b\u306e\u3067\u3001\u81ea\u5206\u306e\u501f\u91d1\u72b6\u6cc1\u304c\u3084\u3070\u3044\u72b6\u6cc1\u306b\u3042\u308b\u306e\u304b\u6c17\u306b\u306a\u3063\u3066\u3044\u308b\u4eba\u306f\u305c\u3072\u30c1\u30a7\u30c3\u30af\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n\n<h2>\u501f\u91d1\u306f\u3044\u304f\u3089\u304b\u3089\u3084\u3070\u3044\uff1f\u5e74\u53ce\u306e3\u5206\u306e1\u3092\u8d85\u3048\u3066\u3044\u308b\u3068\u5371\u967a\u306a\u30e9\u30a4\u30f3<\/h2>\n<p>\u7d50\u8ad6\u304b\u3089\u3044\u3046\u3068\u3001\u5e74\u53ce\u306e3\u5206\u306e1\u4ee5\u4e0a\u306e\u501f\u91d1\u304c\u3042\u308b\u4eba\u306f\u3084\u3070\u3044\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u4f8b\u3048\u3070\u5e74\u53ce300\u4e07\u5186\u306e\u4eba\u304c\u3001100\u4e07\u5186\u4ee5\u4e0a\u306e\u501f\u91d1\u3092\u3057\u3066\u3044\u308b\u72b6\u6cc1\u3067\u3059\u3002<\/p>\n<p>\u5e74\u53ce\u306e3\u5206\u306e1\u3068\u3044\u3046\u57fa\u6e96\u306f\u3001<a href=\"https:\/\/laws.e-gov.go.jp\/law\/358AC1000000032\" target=\"_blank\" rel=\"noopener\">\u8cb8\u91d1\u696d\u6cd5<\/a>\u306e\u7dcf\u91cf\u898f\u5236\u3067\u5b9a\u3081\u3089\u308c\u3066\u3044\u308b\u6570\u5024\u3067\u3059\u3002<\/p>\n<p>\u8cb8\u91d1\u696d\u6cd5\u3067\u306f\u3001\u5229\u7528\u8005\u304c\u591a\u91cd\u50b5\u52d9\u306b\u9665\u3089\u306a\u3044\u3088\u3046\u3001\u501f\u91d1\u304c\u3067\u304d\u308b\u91d1\u984d\u306b\u5236\u9650\uff08\u7dcf\u91cf\u898f\u5236\uff09\u3092\u8a2d\u3051\u3066\u3044\u307e\u3059\u3002<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-3848\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt01.png\" alt=\"\u7dcf\u91cf\u898f\u5236\u306e\u89e3\u8aac\u753b\u50cf\" width=\"750\" height=\"600\" srcset=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt01.png 750w, https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt01-300x240.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p>\u3064\u307e\u308a\u5e74\u53ce\u306e3\u5206\u306e1\u4ee5\u4e0a\u306e\u501f\u91d1\u306f\u3001\u8fd4\u6e08\u80fd\u529b\u3092\u8d85\u3048\u308b\u5371\u967a\u306a\u6c34\u6e96\u3067\u3042\u308b\u3068\u56fd\u304c\u8003\u3048\u3066\u3044\u308b\u3053\u3068\u3092\u610f\u5473\u3057\u307e\u3059\u3002<\/p>\n<p>\u4e00\u90e8\u3067<a href=\"https:\/\/ndc-center.jp\/access\/finance\/total-regulation\/\">\u7dcf\u91cf\u898f\u5236\u30aa\u30fc\u30d0\u30fc\u3067\u3082\u501f\u308a\u308c\u308b<\/a>\u3068\u3053\u308d\u306f\u3042\u308a\u307e\u3059\u304c\u3001\u5bfe\u8c61\u5916\u306e\u30ed\u30fc\u30f3\u3092\u9664\u304f\u501f\u308a\u5165\u308c\u304c\u7dcf\u91cf\u898f\u5236\u306b\u542b\u307e\u308c\u307e\u3059\u3002<\/p>\n<p>\u306a\u304a\u8fd4\u6e08\u80fd\u529b\u306f\u305d\u306e\u4eba\u306e\u53ce\u5165\u3084\u751f\u6d3b\u6c34\u6e96\u306b\u3088\u3063\u3066\u5909\u308f\u308b\u305f\u3081\u3001\u4e00\u6982\u306b\u300c\u3044\u304f\u3089\u304b\u3089\u3084\u3070\u3044\u300d\u3068\u306f\u3044\u3048\u307e\u305b\u3093\u3002<\/p>\n<p>\u300c\u3084\u3070\u3044\u300d\u3068\u3044\u3048\u308b\u4e00\u3064\u306e\u76ee\u5b89\u304c\u5e74\u53ce\u306e3\u5206\u306e1\u3067\u3042\u308a\u3001\u305d\u308c\u4ee5\u4e0b\u3067\u3042\u3063\u3066\u3082\u8fd4\u6e08\u304c\u82e6\u3057\u3044\u3068\u611f\u3058\u308b\u306a\u3089\u300c\u3084\u3070\u3044\u300d\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n<p><!--\n\n\u6b8b\u308a\u3044\u304f\u3089\u501f\u308a\u3089\u308c\u308b\u304b\u77e5\u308a\u305f\u3044\u4eba\u306f\u4e0b\u8a18\u306e\u8a08\u7b97\u30c4\u30fc\u30eb\u3092\u4f7f\u7528\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002\n\n\n<div id=\"loan-calculator\" style=\"max-width: 400px; margin: 20px auto; padding: 20px; border-radius: 12px; box-shadow: 0 4px 10px rgba(0,0,0,0.1); font-family: sans-serif; background: #fdfdfd;\">\n\n\n<div class=\"midashi\">\u3044\u304f\u3089\u501f\u308a\u3089\u308c\u308b\u304b\u308f\u304b\u308b\u8a08\u7b97\u30c4\u30fc\u30eb<\/div>\n\n\n<label style=\"display: block; margin-bottom: 5px; font-weight: bold; color: #333;\" for=\"annual-income\">\u5e74\u53ce\uff08\u5186\uff09:<\/label>\n\n<input id=\"annual-income\" style=\"width: 100%; padding: 10px 12px; border-radius: 6px; border: 1px solid #ccc; margin-bottom: 12px; font-size: 16px;\" type=\"number\" placeholder=\"\u4f8b: 3600000\" \/>\n\n<label style=\"display: block; margin-bottom: 5px; font-weight: bold; color: #333;\" for=\"current-loan\">\u73fe\u5728\u306e\u501f\u5165\u91d1\u984d\uff08\u5186\uff09:<\/label>\n\n<input id=\"current-loan\" style=\"width: 100%; padding: 10px 12px; border-radius: 6px; border: 1px solid #ccc; margin-bottom: 12px; font-size: 16px;\" type=\"number\" placeholder=\"\u4f8b: 500000\" \/>\n\n<button style=\"width: 100%; height: 45px; border: none; border-radius: 6px; background-color: #4caf50; color: white; font-size: 16px; cursor: pointer; display: flex; justify-content: center; align-items: center; line-height: 1; transition: 0.3s;\">\u8a08\u7b97\u3059\u308b<\/button>\n\n&nbsp;\n\n<\/div>\n\n\n\n\n<div align=\"center\"><img decoding=\"async\" class=\"alignnone size-full wp-image-3829\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/arrow.png\" alt=\"\u4e09\u89d2\u5f62\" width=\"500\" height=\"110\" \/><\/div>\n\n\n\u3059\u3067\u306b\u501f\u5165\u304c\u3042\u308b\u306a\u3089\u5be9\u67fb\u306b\u7de9\u548c\u7684\u306a\u5927\u624b\u6d88\u8cbb\u8005\u91d1\u878d\u306e\u30ab\u30fc\u30c9\u30ed\u30fc\u30f3\u306b\u7533\u3057\u8fbc\u3080\u306e\u304c\u304a\u3059\u3059\u3081\u3067\u3059\u3002\n\n\n<table>\n\n\n<thead>\n\n\n<tr>\n\n\n<th>\u30ed\u30fc\u30f3<\/th>\n\n\n\n\n<th>\u878d\u8cc7\u6642\u9593<\/th>\n\n\n\n\n<th>\u91d1\u5229\uff08\u5e74\uff09<\/th>\n\n\n\n\n<th>\u5229\u7528\u9650\u5ea6\u984d<\/th>\n\n\n<\/tr>\n\n\n<\/thead>\n\n\n\n\n<tbody>\n\n\n<tr>\n\n\n<th><span id=\"bt258\" class=\"link-txt\">\u30d7\u30ed\u30df\u30b9<img decoding=\"async\" class=\"aligncenter size-full wp-image-114\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/promise-logo.png\" alt=\"\u30d7\u30ed\u30df\u30b9\u306e\u30ed\u30b4\u753b\u50cf\" \/><\/span><\/th>\n\n\n\n\n<td>\u6700\u77ed3\u5206<\/td>\n\n\n\n\n<td>2.5\uff05\uff5e18.0\uff05<\/td>\n\n\n\n\n<td>1\u4e07\u5186\uff5e800\u4e07\u5186<\/td>\n\n\n<\/tr>\n\n\n\n\n<tr>\n\n\n<th><span id=\"bt259\" class=\"link-txt\">\u30a2\u30a4\u30d5\u30eb<img decoding=\"async\" width=\"117\" height=\"50\" class=\"aligncenter size-full wp-image-201\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/aiful-logo.png\" alt=\"\u30a2\u30a4\u30d5\u30eb\u306e\u30ed\u30b4\u753b\u50cf\" \/><\/span><\/th>\n\n\n\n\n<td>\u6700\u77ed18\u5206<\/td>\n\n\n\n\n<td>3.0\uff05\uff5e18.0\uff05<\/td>\n\n\n\n\n<td>1\u4e07\u5186\uff5e800\u4e07\u5186<\/td>\n\n\n<\/tr>\n\n\n\n\n<tr>\n\n\n<th><span id=\"bt260\" class=\"link-txt\">SMBC\u30e2\u30d3\u30c3\u30c8<img decoding=\"async\" width=\"117\" height=\"50\" class=\"aligncenter size-full wp-image-203\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/smbcmobit-logo.png\" alt=\"\u30e2\u30d3\u30c3\u30c8\u306e\u30ed\u30b4\u753b\u50cf\" \/><\/span><\/th>\n\n\n\n\n<td>\u6700\u77ed15\u5206<\/td>\n\n\n\n\n<td>3.0\uff05\uff5e18.0\uff05<\/td>\n\n\n\n\n<td>1\u4e07\u5186\uff5e800\u4e07\u5186<\/td>\n\n\n<\/tr>\n\n\n<\/tbody>\n\n\n<\/table>\n\n\n\n--><\/p>\n<h2>\u501f\u91d1\u304c\u5e74\u53ce\u306e3\u5206\u306e1\u3067\u3082\u5c06\u6765\u7684\u306b\u3084\u3070\u3044\u72b6\u6cc1\u306b\u9665\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u7279\u5fb4<\/h2>\n<p>\u501f\u91d1\u304c\u5e74\u53ce\u306e3\u5206\u306e1\u3067\u3042\u3063\u3066\u3082\u3001\u4ee5\u4e0b\u306b\u5f53\u3066\u306f\u307e\u308b\u4eba\u306f\u5c06\u6765\u7684\u306b\u3084\u3070\u3044\u72b6\u6cc1\u306b\u9665\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-3901\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt002.png\" alt=\"\u501f\u91d1\u304c\u5e74\u53ce\u306e3\u5206\u306e1\u3067\u5c06\u6765\u7684\u306b\u5371\u3046\u304f\u306a\u308b\u4f8b\u306e\u753b\u50cf\" width=\"750\" height=\"900\" srcset=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt002.png 750w, https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt002-250x300.png 250w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<div class=\"st-mybox \" style=\"background:#ffffff;border-color:#3b8ad9;border-width:2px;border-radius:5px;margin: 25px 0;\"><div class=\"st-in-mybox\">\n<ul>\n<li>\u5143\u672c\u306e\u6e1b\u308a\u304c\u9045\u3044<\/li>\n<li>\u8907\u6570\u306e\u91d1\u878d\u6a5f\u95a2\u304b\u3089\u501f\u91d1\u3092\u3057\u3066\u3044\u308b<\/li>\n<li>\u9577\u671f\u9593\u5b8c\u6e08\u3067\u304d\u3066\u3044\u306a\u3044\u501f\u91d1\u304c\u3042\u308b<\/li>\n<li>\u8fd4\u6e08\u3092\u6ede\u7d0d\u3057\u3066\u3044\u308b<\/li>\n<li>\u5b66\u751f\u304c\u6d88\u8cbb\u8005\u91d1\u878d\u3092\u4f7f\u3063\u3066\u3044\u308b<\/li>\n<li>\u501f\u91d1\u306e\u305f\u3081\u306e\u501f\u91d1\u3092\u3057\u3066\u3044\u308b<\/li>\n<li>\u30ea\u30dc\u6255\u3044\u304c\u7fd2\u6163\u5316\u3057\u3066\u3044\u308b<\/li>\n<\/ul>\n<\/div><\/div>\n<p>\u3053\u308c\u3089\u306e\u7279\u5fb4\u306b\u5f53\u3066\u306f\u307e\u3063\u3066\u3044\u308b\u4eba\u306f\u3001\u72b6\u6cc1\u304c\u60aa\u5316\u3059\u308b\u524d\u306b\u5bfe\u7b56\u3092\u6253\u3064\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u305d\u308c\u305e\u308c\u3069\u306e\u3088\u3046\u306a\u72b6\u6cc1\u306a\u306e\u304b\u3001\u8a73\u3057\u304f\u898b\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3>\u5143\u672c\u306e\u6e1b\u308a\u304c\u9045\u304f\u5b8c\u6e08\u307e\u3067\u306b\u6642\u9593\u304c\u304b\u304b\u3063\u3066\u3044\u308b<\/h3>\n<p>\u5143\u672c\u306e\u6e1b\u308a\u304c\u9045\u3044\u3068\u3001\u6bce\u6708\u3057\u3063\u304b\u308a\u8fd4\u6e08\u3057\u3066\u3044\u3066\u3082\u306a\u304b\u306a\u304b\u5b8c\u6e08\u3067\u304d\u307e\u305b\u3093\u3002<\/p>\n<p>\u5143\u672c\u306e\u6e1b\u308a\u304c\u9045\u3044\u539f\u56e0\u306f\u3001\u501f\u5165\u984d\u306b\u5bfe\u3057\u3066\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u304c\u5c11\u306a\u3044\u305f\u3081\u3067\u3059\u3002<\/p>\n<p>\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u306b\u306f\u5143\u672c\u3068\u5229\u606f\u304c\u542b\u307e\u308c\u3066\u304a\u308a\u3001\u5143\u672c\u3088\u308a\u3082\u5229\u606f\u304c\u512a\u5148\u7684\u306b\u5145\u5f53\u3055\u308c\u308b\u305f\u3081\u3001\u8fd4\u6e08\u984d\u304c\u5c11\u306a\u3044\u307b\u3069\u5229\u606f\u306e\u5272\u5408\u304c\u5927\u304d\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u308c\u306f\u5229\u606f\u304c\u6b8b\u308a\u306e\u5143\u672c\u306b\u5bfe\u3057\u3066\u767a\u751f\u3059\u308b\u305f\u3081\u3067\u3042\u308a\u3001\u5143\u672c\u304c\u6e1b\u3089\u306a\u3044\u9650\u308a\u3044\u3064\u307e\u3067\u3082\u5229\u606f\u306f\u767a\u751f\u3057\u7d9a\u3051\u307e\u3059\u3002<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-3850\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt03.png\" alt=\"\u5143\u672c\u306e\u6e1b\u308a\u304c\u9045\u304f\u5b8c\u6e08\u6642\u9593\u304c\u304b\u304b\u308b\u753b\u50cf\" width=\"750\" height=\"850\" srcset=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt03.png 750w, https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt03-265x300.png 265w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p>\u6bce\u6708\u554f\u984c\u306a\u304f\u8fd4\u6e08\u3067\u304d\u3066\u3044\u308b\u306e\u306b\u3001\u306a\u304b\u306a\u304b\u5143\u672c\u304c\u6e1b\u3089\u306a\u3044\u3068\u611f\u3058\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u8fd4\u6e08\u984d\u3092\u5897\u3084\u3059\u3053\u3068\u3092\u691c\u8a0e\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3>\u8907\u6570\u306e\u91d1\u878d\u6a5f\u95a2\u304b\u3089\u501f\u91d1\u3092\u3057\u3066\u3044\u308b\u3068\u8fd4\u6e08\u7dcf\u984d\u304c\u9ad8\u304f\u306a\u308a\u3084\u3059\u3044<\/h3>\n<p>\u8907\u6570\u306e\u91d1\u878d\u6a5f\u95a2\u304b\u3089\u501f\u91d1\u3092\u3057\u3066\u3044\u308b\u4eba\u3082\u8981\u6ce8\u610f\u3067\u3059\u3002<\/p>\n<p>\u8907\u6570\u793e\u304b\u3089\u501f\u308a\u3066\u3044\u308b\u3068\u3001\u8fd4\u6e08\u65e5\u3084\u8fd4\u6e08\u984d\u3082\u30d0\u30e9\u30d0\u30e9\u3067\u3001\u7ba1\u7406\u304c\u7169\u96d1\u306b\u306a\u308b\u305f\u3081\u3001\u8fd4\u6e08\u3092\u5fd8\u308c\u305f\u308a\u8fd4\u6e08\u65e5\u307e\u3067\u306b\u304a\u91d1\u304c\u5de5\u9762\u3067\u304d\u306a\u304b\u3063\u305f\u308a\u3068\u3044\u3063\u305f\u30ea\u30b9\u30af\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p><a href=\"https:\/\/ndc-center.jp\/access\/finance\/other-companys-loan\/\">\u4ed6\u793e\u501f\u308a\u5165\u308c\u304c\u3042\u3063\u3066\u3082\u501f\u308a\u308c\u308b<\/a>\u3068\u3053\u308d\u306f\u3042\u308a\u307e\u3059\u304c\u3001\u8907\u6570\u793e\u304b\u3089\u501f\u308a\u3066\u3044\u308b\u3068\u3001\u91d1\u5229\u9762\u3067\u3082\u640d\u3092\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-3851\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt04.png\" alt=\"\u4ed6\u793e\u501f\u5165\u304c\u8907\u6570\u3042\u308b\u5834\u5408\u306e\u30ea\u30b9\u30af\" width=\"750\" height=\"600\" srcset=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt04.png 750w, https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt04-300x240.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p>\u4f8b\u3048\u3070100\u4e07\u5186\u30921\u793e\u304b\u3089\u501f\u308a\u308b\u5834\u5408\u3001\u9069\u7528\u3055\u308c\u308b\u91d1\u5229\u306f\u5229\u606f\u5236\u9650\u6cd5\u306b\u3088\u308a\u6700\u5927\u3067\u308215%\u3067\u3059\u3002<\/p>\n<p>\u3057\u304b\u30574\u793e\u304b\u308925\u4e07\u5186\u305a\u3064\u501f\u308a\u308b\u3068\u3001\u5404\u793e\u306e\u91d1\u5229\u306f100\u4e07\u5186\u672a\u6e80\u306e\u5834\u5408\u306e\u6700\u5927\u91d1\u5229\u3067\u3042\u308b18%\u304c\u9069\u7528\u3055\u308c\u307e\u3059\u3002<\/p>\n<p>\u3064\u307e\u308a\u3001\u5b9f\u8cea\u7684\u306b100\u4e07\u5186\u3092\u91d1\u522918%\u3067\u501f\u308a\u3066\u3044\u308b\u306e\u3068\u540c\u3058\u3067\u3042\u308a\u30011\u793e\u304b\u3089\u501f\u308a\u3066\u5165\u308b\u3088\u308a\u3082\u640d\u3092\u3057\u3066\u3044\u308b\u306e\u3067\u3059\u3002<\/p>\n<p>1\u793e\u304b\u3089\u501f\u308a\u308b\u3068\u304d\u3088\u308a\u3082\u8fd4\u6e08\u7dcf\u984d\u304c\u9ad8\u304f\u306a\u308a\u3084\u3059\u304f\u3001\u9577\u671f\u7684\u306b\u7d4c\u6e08\u72b6\u6cc1\u3092\u82e6\u3057\u3081\u308b\u539f\u56e0\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<h3>\u9577\u671f\u9593\u5b8c\u6e08\u3067\u304d\u3066\u3044\u306a\u3044\u501f\u91d1\u304c\u3042\u308b<\/h3>\n<p>\u9577\u671f\u9593\u5b8c\u6e08\u3067\u304d\u3066\u3044\u306a\u3044\u501f\u91d1\u304c\u3042\u308b\u3068\u3001\u652f\u6255\u3046\u5229\u606f\u304c\u5897\u3048\u308b\u305f\u3081\u5371\u967a\u3067\u3059\u3002<\/p>\n<p>\u501f\u91d1\u3092\u5b8c\u6e08\u3067\u304d\u306a\u3044\u539f\u56e0\u306f\u3001\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u304c\u5c11\u306a\u3044\u4ed6\u3001\u8ffd\u52a0\u3067\u501f\u308a\u5165\u308c\u3092\u3057\u3066\u3044\u308b\u30b1\u30fc\u30b9\u3082\u8003\u3048\u3089\u308c\u307e\u3059\u3002<\/p>\n<p>\u983b\u7e41\u306b\u8ffd\u52a0\u501f\u308a\u5165\u308c\u3092\u3057\u3066\u3044\u308b\u4eba\u306f\u3001\u5bb6\u8a08\u304c\u501f\u91d1\u3042\u308a\u304d\u306b\u306a\u3063\u3066\u3044\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u8ffd\u52a0\u3067\u501f\u308a\u5165\u308c\u3092\u3059\u308b\u3068\u5143\u672c\u304c\u6e1b\u3089\u306a\u3044\u3070\u304b\u308a\u304b\u3001\u501f\u91d1\u3092\u3059\u308b\u306e\u304c\u5f53\u305f\u308a\u524d\u3068\u306a\u308a\u3001\u5b8c\u6e08\u306e\u610f\u8b58\u304c\u8584\u308c\u308b\u6050\u308c\u3082\u3042\u308b\u305f\u3081\u8981\u6ce8\u610f\u3067\u3059\u3002<\/p>\n<p>\u307e\u305a\u306f\u8ffd\u52a0\u3067\u501f\u308a\u5165\u308c\u3092\u3057\u306a\u3044\u5de5\u592b\u3092\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3>\u8fd4\u6e08\u3092\u6ede\u7d0d\u3057\u3066\u3044\u3066\u501f\u91d1\u304c\u304b\u3055\u3093\u3067\u3044\u308b<\/h3>\n<p>\u524d\u63d0\u3068\u3057\u3066\u3001\u8fd4\u6e08\u3092\u6ede\u7d0d\u3057\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u306f\u3001\u501f\u91d1\u306b\u5bfe\u3057\u3066\u8fd4\u6e08\u80fd\u529b\u304c\u8db3\u308a\u306a\u3044\u72b6\u614b\u306e\u305f\u3081\u5371\u6a5f\u611f\u3092\u6301\u3064\u3079\u304d\u3067\u3059\u3002<\/p>\n<p>\u8fd4\u6e08\u3092\u6ede\u7d0d\u3059\u308b\u5927\u304d\u306a\u30ea\u30b9\u30af\u306f\u3001\u9045\u5ef6\u640d\u5bb3\u91d1\u304c\u767a\u751f\u3059\u308b\u70b9\u3067\u3059\u3002<\/p>\n<p>\u9045\u5ef6\u640d\u5bb3\u91d1\u306f\u6ede\u7d0d\u3057\u305f\u7fcc\u65e5\u304b\u3089\u767a\u751f\u3057\u3001\u91d1\u5229\u308220%\u3068\u901a\u5e38\u306e\u5229\u606f\u3088\u308a\u3082\u9ad8\u304f\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u9045\u5ef6\u640d\u5bb3\u91d1\u306f\u5229\u606f\u3068\u540c\u3058\u304f\u9045\u5ef6\u3057\u3066\u3044\u308b\u65e5\u6570\u5206\u767a\u751f\u3059\u308b\u305f\u3081\u3001\u65e9\u304f\u8fd4\u6e08\u3057\u306a\u3044\u3068\u3069\u3093\u3069\u3093\u72b6\u6cc1\u304c\u82e6\u3057\u304f\u306a\u3063\u3066\u3057\u307e\u3044\u307e\u3059\u3002<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-3852\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt05.png\" alt=\"\u9045\u5ef6\u640d\u5bb3\u91d1\u5229\u606f\u306e\u4ed5\u7d44\u307f\u753b\u50cf\" width=\"750\" height=\"500\" srcset=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt05.png 750w, https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt05-300x200.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p>\u8fd4\u6e08\u304c\u9045\u308c\u308b\u307b\u3069\u53d6\u308a\u8fd4\u3057\u304c\u3064\u304b\u306a\u304f\u306a\u308b\u306e\u3067\u3001\u73fe\u5728\u6ede\u7d0d\u3057\u3066\u3044\u308b\u501f\u91d1\u304c\u3042\u308c\u3070\u65e9\u304f\u8fd4\u6e08\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3>\u5b66\u751f\u306e\u3046\u3061\u304b\u3089\u5b66\u751f\u30ed\u30fc\u30f3\u3084\u6d88\u8cbb\u8005\u91d1\u878d\u3067\u501f\u308a\u5165\u308c\u3092\u884c\u3063\u3066\u3044\u308b<\/h3>\n<p>\u5b66\u751f\u306e\u3046\u3061\u304b\u3089\u6d88\u8cbb\u8005\u91d1\u878d\u3092\u4f7f\u3063\u3066\u3044\u308b\u4eba\u3082\u8981\u6ce8\u610f\u3067\u3059\u3002<\/p>\n<p>\u73fe\u5728\u306f18\u6b73\u3001\u3064\u307e\u308a\u5927\u5b661\u5e74\u751f\u304b\u3089\u89aa\u306e\u540c\u610f\u306a\u304f\u6d88\u8cbb\u8005\u91d1\u878d\u3092\u5229\u7528\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u7279\u306b\u3053\u308c\u307e\u3067\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3082\u6d88\u8cbb\u8005\u91d1\u878d\u3082\u4f7f\u3063\u305f\u7d4c\u9a13\u304c\u306a\u3044\u4eba\u306f\u3001\u4ee5\u4e0b\u306e\u3088\u3046\u306b\u501f\u91d1\u306b\u5bfe\u3057\u3066\u306e\u8a8d\u8b58\u304c\u4e0d\u5341\u5206\u3067\u3042\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<div class=\"st-mybox \" style=\"background:#ffffff;border-color:#3b8ad9;border-width:2px;border-radius:5px;margin: 25px 0;\"><div class=\"st-in-mybox\">\n<ul>\n<li>\u9650\u5ea6\u984d\u307e\u3067\u501f\u308a\u3066\u3088\u3044\u3068\u601d\u3044\u3001\u5fc5\u8981\u4ee5\u4e0a\u306b\u501f\u308a\u308b<\/li>\n<li>\u5229\u606f\u3084\u9045\u5ef6\u640d\u5bb3\u91d1\u306e\u5b58\u5728\u3092\u610f\u8b58\u3057\u3066\u3044\u306a\u3044\u3001\u307e\u305f\u306f\u8efd\u8996\u3057\u3066\u3044\u308b<\/li>\n<li>\u30d0\u30a4\u30c8\u4ee3\u3067\u8fd4\u305b\u308b\u3068\u601d\u3063\u3066\u3044\u308b<\/li>\n<\/ul>\n<\/div><\/div>\n<p>\u501f\u91d1\u3068\u306f\u53ce\u5165\u306e\u5148\u53d6\u308a\u3067\u3042\u308a\u3001\u304a\u91d1\u3092\u304a\u91d1\uff08\u5229\u606f\uff09\u3067\u8cb7\u3046\u884c\u70ba\u3067\u3059\u3002<\/p>\n<p>\u4e0a\u8a18\u306e\u3088\u3046\u306b\u8003\u3048\u3066\u3044\u308b\u3068\u3001\u8fd4\u6e08\u80fd\u529b\u3092\u8d85\u3048\u308b\u501f\u91d1\u3092\u62b1\u3048\u3001\u8fd4\u6e08\u306b\u82e6\u3057\u3080\u5371\u967a\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u501f\u91d1\u306f\u3084\u3080\u3092\u5f97\u306a\u3044\u3068\u304d\u4ee5\u5916\u306f\u5229\u7528\u305b\u305a\u3001\u307e\u305a\u306f\u81ea\u5206\u306e\u53ce\u5165\u306e\u7bc4\u56f2\u5185\u3067\u3084\u308a\u304f\u308a\u3059\u308b\u8a13\u7df4\u3092\u3059\u308b\u306e\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n<h3>\u501f\u91d1\u3092\u8fd4\u6e08\u3059\u308b\u305f\u3081\u501f\u91d1\u3092\u7e70\u308a\u8fd4\u3057\u81ea\u8ee2\u8eca\u64cd\u696d\u306b\u306a\u3063\u3066\u3044\u308b<\/h3>\n<p>\u501f\u91d1\u3092\u8fd4\u3059\u305f\u3081\u306b\u501f\u91d1\u3092\u3057\u3066\u3044\u308b\uff08\u81ea\u8ee2\u8eca\u64cd\u696d\uff09\u4eba\u306f\u3001\u591a\u91cd\u50b5\u52d9\u306b\u9665\u308b\u30ea\u30b9\u30af\u304c\u3042\u308b\u304b\u3001\u3059\u3067\u306b\u9665\u3063\u3066\u3044\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u501f\u91d1\u306e\u8fd4\u6e08\u306e\u305f\u3081\u306b\u501f\u91d1\u3092\u3059\u308b\u3068\u3001\u96ea\u3060\u308b\u307e\u5f0f\u306b\u501f\u91d1\u304c\u5897\u3048\u3066\u3057\u307e\u3044\u307e\u3059\u3002<\/p>\n<p>\u4ee5\u4e0b\u306f\u3001\u501f\u91d1\u304c\u96ea\u3060\u308b\u307e\u5f0f\u306b\u5897\u3048\u308b\u7c21\u5358\u306a\u8aac\u660e\u3067\u3059\u3002<\/p>\n<div class=\"st-mybox \" style=\"background:#ffffff;border-color:#e83b18;border-width:2px;border-radius:5px;margin: 25px 0;\"><div class=\"st-in-mybox\">\n<ol>\n<li>A\u793e\u304b\u308910\u4e07\u5186\u3092\u501f\u308a\u308b<\/li>\n<li>A\u793e\u3078\u306e\u8fd4\u6e08\u984d11\u4e07\u5186\uff08\u5143\u672c10\u4e07\u5186+\u5229\u606f1\u4e07\u5186\uff09\u304c\u8fd4\u305b\u306a\u3044\u305f\u3081\u3001B\u793e\u304b\u308911\u4e07\u5186\u3092\u501f\u308a\u308b<\/li>\n<li>B\u793e\u304b\u3089\u501f\u308a\u305f11\u4e07\u5186\u306b\u5229\u606f\u304c\u4ed8\u304d\u3001\u8fd4\u6e08\u984d\u306f12.5\u4e07\u5186\u3068\u306a\u308b<\/li>\n<li>B\u793e\u306b\u8fd4\u6e08\u3059\u308b\u305f\u3081\u3001C\u793e\u304b\u308912.5\u4e07\u5186\u3092\u501f\u308a\u308b<\/li>\n<li>C\u793e\u304b\u3089\u501f\u308a\u305f12.5\u4e07\u5186\u306b\u3082\u5229\u606f\u304c\u4ed8\u304d\u3001\u8fd4\u6e08\u984d\u304c14\u4e07\u5186\u3068\u306a\u308b<\/li>\n<\/ol>\n<p><small>\u203b\u8aac\u660e\u3092\u7c21\u5358\u306b\u3059\u308b\u305f\u3081\u3001\u5229\u606f\u3084\u8fd4\u6e08\u984d\u306f\u5927\u307e\u304b\u306a\u6570\u5b57\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/small><\/p>\n<\/div><\/div>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-3853\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt06.png\" alt=\"\u81ea\u8ee2\u8eca\u64cd\u696d\u306e\u8aac\u660e\u753b\u50cf\" width=\"750\" height=\"600\" srcset=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt06.png 750w, https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt06-300x240.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p>\u501f\u91d1\u3092\u8fd4\u3059\u305f\u3081\u306e\u501f\u91d1\u3067\u306f\u3001\u5229\u606f\u3092\u542b\u3081\u305f\u91d1\u984d\u3092\u501f\u308a\u308b\u305f\u3081\u3001\u7e70\u308a\u8fd4\u3059\u307b\u3069\u65b0\u305f\u306b\u501f\u308a\u308b\u969b\u306e\u5143\u672c\u304c\u5897\u3048\u3066\u3044\u304d\u3001\u5229\u606f\u8ca0\u62c5\u3082\u307e\u3059\u307e\u3059\u91cd\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u5fc3\u5f53\u305f\u308a\u306e\u3042\u308b\u4eba\u306f\u3001\u72b6\u6cc1\u304c\u60aa\u5316\u3059\u308b\u524d\u306b\u5bb6\u8a08\u306e\u898b\u76f4\u3057\u3084\u50b5\u52d9\u6574\u7406\u306a\u3069\u306e\u5bfe\u7b56\u3092\u6253\u3064\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<h3>\u30ea\u30dc\u6255\u3044\u304c\u7fd2\u6163\u5316\u3057\u3066\u8fd4\u6e08\u7dcf\u984d\u304c\u81a8\u308c\u4e0a\u304c\u3063\u3066\u3044\u308b<\/h3>\n<p>\u65e5\u5e38\u7684\u306b\u30ea\u30dc\u6255\u3044\u3092\u3057\u3066\u3044\u308b\u4eba\u306f\u3001\u6c17\u4ed8\u304b\u306c\u3046\u3061\u306b\u501f\u91d1\u304c\u5927\u304d\u304f\u81a8\u308c\u4e0a\u304c\u3063\u3066\u3044\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u81ea\u5206\u3067\u8fd4\u6e08\u984d\u3092\u8a2d\u5b9a\u3067\u304d\u308b\u30ea\u30dc\u6255\u3044\u3067\u306f\u3001\u8fd4\u6e08\u984d\u3092\u4f4e\u304f\u8a2d\u5b9a\u3059\u308b\u305f\u3081\u306b\u5143\u672c\u304c\u306a\u304b\u306a\u304b\u6e1b\u3089\u306a\u3044\u30ea\u30b9\u30af\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u30ea\u30dc\u6255\u3044\u306e\u4e00\u822c\u7684\u306a\u91d1\u5229\u306f15.0%\u3067\u3059\u3002<\/p>\n<p>\u4f8b\u3048\u307040\u4e07\u5186\u5229\u7528\u3057\u3066\u3001\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u30921\u4e07\u5186\u306b\u8a2d\u5b9a\u3059\u308b\u3068\u3001\u521d\u3081\u306e\u3046\u3061\u306f\u8fd4\u6e08\u984d\u306e\u7d04\u534a\u5206\u3092\u5229\u606f\u304c\u5360\u3081\u307e\u3059\u3002<\/p>\n<p>\u8fd4\u6e08\u7dcf\u984d\u306f55.8\u4e07\u5186\u3068\u306a\u308a\u3001\u5143\u672c\u306e\u7d041.4\u500d\u3082\u306e\u91d1\u984d\u3092\u652f\u6255\u308f\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt07.png\" alt=\"\u5229\u606f\u3068\u5143\u91d1\u306e\u5272\u5408\u306e\u753b\u50cf\" width=\"750\" height=\"730\" class=\"aligncenter size-full wp-image-3854\" srcset=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt07.png 750w, https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt07-300x292.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p>\u8fd4\u6e08\u4e2d\u306b\u8ffd\u52a0\u3067\u5229\u7528\u3057\u305f\u5834\u5408\u3001\u8fd4\u6e08\u7dcf\u984d\u306f\u3055\u3089\u306b\u81a8\u308c\u4e0a\u304c\u308a\u307e\u3059\u3002<\/p>\n<p>\u7121\u8a08\u753b\u306b\u30ea\u30dc\u6255\u3044\u3092\u4f7f\u3063\u3066\u3044\u308b\u3068\u3001\u6700\u60aa\u306e\u5834\u5408\u3001\u8fd4\u6e08\u984d\u306e\u307b\u3068\u3093\u3069\u3092\u5229\u606f\u304c\u5360\u3081\u3001\u5143\u672c\u304c\u4e00\u5411\u306b\u6e1b\u3089\u306a\u3044\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u30ea\u30dc\u6255\u3044\u306b\u983c\u3063\u3066\u3044\u308b\u4eba\u306f\u3001\u73fe\u5728\u306e\u8fd4\u6e08\u306e\u30da\u30fc\u30b9\u3067\u306f\u3044\u3064\u8fd4\u6e08\u304c\u7d42\u308f\u308b\u306e\u304b\u3092\u4eca\u4e00\u5ea6\u78ba\u8a8d\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h2>\u4e16\u9593\u4e00\u822c\u306e\u501f\u91d1\u306e\u72b6\u6cc1\u3092\u7d71\u8a08\u8abf\u67fb\u3092\u3082\u3068\u306b\u30c1\u30a7\u30c3\u30af<\/h2>\n<p>\u81ea\u5206\u306e\u501f\u91d1\u304c\u591a\u3044\u304b\u3069\u3046\u304b\u3092\u5224\u65ad\u3059\u308b\u53c2\u8003\u3068\u3057\u3066\u3001\u4ed6\u306e\u4eba\u306e\u72b6\u6cc1\u3092\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u7d71\u8a08\u8abf\u67fb\u3092\u3082\u3068\u306b\u3001\u501f\u91d1\u3092\u3057\u3066\u3044\u308b\u4eba\u306e\u5272\u5408\u3084\u5e73\u5747\u501f\u5165\u984d\u3092\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<p>\u4e16\u9593\u4e00\u822c\u306e\u501f\u91d1\u306e\u72b6\u6cc1\u306f\u3001\u4ee5\u4e0b\u306e\u901a\u308a\u3067\u3059\u3002<\/p>\n<div class=\"st-mybox \" style=\"background:#ffffff;border-color:#3b8ad9;border-width:2px;border-radius:5px;margin: 25px 0;\"><div class=\"st-in-mybox\">\n<ul>\n<li>\u501f\u91d1\u3092\u3057\u3066\u3044\u308b\u4eba\u306e\u5272\u5408\uff1a5\uff5e7\u4eba\u306b1\u4eba<\/li>\n<li>\u5e73\u5747\u501f\u5165\u984d\uff1a\u7d0450\uff5e65\u4e07\u5186<\/li>\n<\/ul>\n<\/div><\/div>\n<p>\u4ee5\u4e0b\u3067\u3001\u8a73\u3057\u3044\u7d71\u8a08\u3092\u898b\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3>\u501f\u91d1\u3092\u3057\u3066\u3044\u308b\u4eba\u306e\u5272\u5408\u306f5\uff5e7\u4eba\u306b1\u4eba<\/h3>\n<p>\u91d1\u878d\u7d4c\u6e08\u6559\u80b2\u63a8\u9032\u6a5f\u69cb\u306e\u8abf\u67fb\u306b\u3088\u308b\u3068\u3001\u5358\u8eab\u4e16\u5e2f\u30682\u4eba\u4ee5\u4e0a\u4e16\u5e2f\u305d\u308c\u305e\u308c\u3067\u501f\u91d1\u3092\u3057\u3066\u3044\u308b\u4eba\u306e\u5272\u5408\u306f\u4ee5\u4e0b\u306e\u901a\u308a\u3067\u3059\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt09.png\" alt=\"\u501f\u91d1\u304c\u3042\u308b\u4eba\u306e\u5272\u5408\u306e\u753b\u50cf\" width=\"750\" height=\"500\" class=\"aligncenter size-full wp-image-3856\" srcset=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt09.png 750w, https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt09-300x200.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<table>\n<thead>\n<tr>\n<th>\u4e16\u5e2f\u4eba\u6570<\/th>\n<th>\u501f\u91d1\u304c\u3042\u308b\u4eba\u306e\u5272\u5408<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th>2\u4eba\u4ee5\u4e0a<\/th>\n<td>19.5%<\/td>\n<\/tr>\n<tr>\n<th>\u5358\u8eab<\/th>\n<td>13.8%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u5358\u8eab\u4e16\u5e2f\u30682\u4eba\u4ee5\u4e0a\u4e16\u5e2f\u3067\u306f\u3001\u501f\u91d1\u306e\u76ee\u7684\u306b\u5927\u304d\u306a\u9055\u3044\u304c\u3042\u308a\u307e\u3057\u305f\u3002<\/p>\n<p>\u5358\u8eab\u4e16\u5e2f\u3067\u6700\u3082\u591a\u304b\u3063\u305f\u306e\u304c\u65e5\u5e38\u751f\u6d3b\u8cbb\u3067\u3001\u5272\u5408\u306f41.2%\u3067\u3059\u3002<\/p>\n<p>\u4e00\u65b9\u30012\u4eba\u4ee5\u4e0a\u4e16\u5e2f\u3067\u306f\u4f4f\u5b85\u306e\u53d6\u5f97\u8cc7\u91d1\u304c47.5%\u3068\u6700\u3082\u591a\u304f\u3001\u4e21\u8005\u306e\u501f\u91d1\u306e\u6027\u8cea\u306f\u5927\u304d\u304f\u7570\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u5358\u8eab\u4e16\u5e2f\u3067\u306f\u3001\u65e5\u5e38\u751f\u6d3b\u8cbb\u306e\u4e0d\u8db3\u3092\u88dc\u3046\u305f\u3081\u306e\u501f\u308a\u5165\u308c\u304c\u591a\u304f\u3001\u53ce\u5165\u3068\u652f\u51fa\u306e\u30d0\u30e9\u30f3\u30b9\u304c\u5d29\u308c\u3084\u3059\u3044\u72b6\u6cc1\u304c\u3046\u304b\u304c\u3048\u307e\u3059\u3002<\/p>\n<p>\u4e00\u65b9\u30012\u4eba\u4ee5\u4e0a\u4e16\u5e2f\u306e\u5834\u5408\u306f\u3001\u5c06\u6765\u306e\u8cc7\u7523\u5f62\u6210\u3084\u751f\u6d3b\u306e\u57fa\u76e4\u4f5c\u308a\u304c\u76ee\u7684\u306e\u501f\u308a\u5165\u308c\u304c\u4e2d\u5fc3\u3067\u3059\u3002<\/p>\n<p>\u501f\u91d1\u3092\u3059\u308b\u3068\u304d\u306f\u3001\u76ee\u7684\u3084\u80cc\u666f\u3092\u660e\u78ba\u306b\u3057\u3001\u81ea\u5206\u306e\u72b6\u6cc1\u306b\u5408\u3063\u305f\u8fd4\u6e08\u8a08\u753b\u3068\u4e88\u9632\u7b56\u3092\u53d6\u308b\u306e\u304c\u5927\u5207\u3067\u3059\u3002<\/p>\n<p><small>\u53c2\u7167\uff1a<a href=\"https:\/\/www.j-flec.go.jp\/wpimages\/uploads\/yoronf24.pdf\" target=\"_blank\" rel=\"noopener\">\u91d1\u878d\u7d4c\u6e08\u6559\u80b2\u63a8\u9032\u6a5f\u69cb\uff5c\u5bb6\u8a08\u306e\u91d1\u878d\u884c\u52d5\u306b\u95a2\u3059\u308b\u4e16\u8ad6\u8abf\u67fb2024\u5e74\uff08\u4e8c\u4eba\u4ee5\u4e0a\u4e16\u5e2f\u8abf\u67fb\uff09<\/a><br \/>\n\u53c2\u7167\uff1a<a href=\"https:\/\/www.j-flec.go.jp\/wpimages\/uploads\/yoront24.pdf\" target=\"_blank\" rel=\"noopener\">\u91d1\u878d\u7d4c\u6e08\u6559\u80b2\u63a8\u9032\u6a5f\u69cb\uff5c\u5bb6\u8a08\u306e\u91d1\u878d\u884c\u52d5\u306b\u95a2\u3059\u308b\u4e16\u8ad6\u8abf\u67fb2024\u5e74\uff08\u5358\u8eab\u4e16\u5e2f\u8abf\u67fb\uff09<\/a><\/small><\/p>\n<h3>\u5e73\u5747\u306e\u501f\u5165\u984d\u306f\u7d0450\uff5e65\u4e07\u5186<\/h3>\n<p>\u4fe1\u7528\u60c5\u5831\u6a5f\u95a2\u306eCIC\u3068JICC\u304c\u516c\u958b\u3057\u3066\u3044\u308b\u7d71\u8a08\u306b\u3088\u308b\u3068\u30011\u4eba\u3042\u305f\u308a\u306e\u501f\u5165\u984d\u306f\u305d\u308c\u305e\u308c\u4ee5\u4e0b\u306e\u901a\u308a\u3067\u3059\u3002<\/p>\n<table>\n<thead>\n<tr>\n<th>\u4fe1\u7528\u60c5\u5831\u6a5f\u95a2<\/th>\n<th>1\u4eba\u3042\u305f\u308a\u306e\u501f\u5165\u984d<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th>CIC<\/th>\n<td>66.2\u4e07\u5186<\/td>\n<\/tr>\n<tr>\n<th>JICC<\/th>\n<td>52.3\u4e07\u5186<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><small>\u53c2\u7167\uff1a<a href=\"https:\/\/www.cic.co.jp\/cic\/statistics-kashikin.html\" target=\"_blank\" rel=\"noopener\">CIC\uff5c\u8cb8\u91d1\u7d71\u8a08\u30c7\u30fc\u30bf\uff082025\u5e746\u670820\u65e5\u6642\u70b9\uff09<\/a><br \/>\n\u53c2\u7167\uff1a<a href=\"https:\/\/www.jicc.co.jp\/aboutus\/credit-info\/statistics\" target=\"_blank\" rel=\"noopener\">JICC\uff5c\u4fe1\u7528\u60c5\u5831\u306b\u95a2\u3059\u308b\u7d71\u8a08\uff082026\u5e741\u6708\u73fe\u5728\uff09<\/a><\/small><\/p>\n<p>\u304a\u304a\u3080\u306d60\u4e07\u5186\u524d\u5f8c\u304c\u30dc\u30ea\u30e5\u30fc\u30e0\u30be\u30fc\u30f3\u3067\u3042\u308b\u3053\u3068\u304c\u3046\u304b\u304c\u3048\u307e\u3059\u3002<\/p>\n<p>\u305f\u3060\u3057\u540c\u305860\u4e07\u5186\u306e\u501f\u91d1\u3067\u3082\u3001\u4f8b\u3048\u3070\u5b66\u751f\u3068\u793e\u4f1a\u4eba\u3067\u306f\u8fd4\u6e08\u8ca0\u62c5\u304c\u7570\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u300c60\u4e07\u5186\u306a\u3089\u5e73\u5747\u901a\u308a\u3060\u304b\u3089\u5927\u4e08\u592b\u300d\u3068\u601d\u3046\u306e\u3067\u306f\u306a\u304f\u3001\u53ce\u5165\u306b\u5bfe\u3059\u308b\u501f\u91d1\u306e\u5272\u5408\u3067\u3084\u3070\u3044\u304b\u3069\u3046\u304b\u3092\u5224\u65ad\u3059\u308b\u306e\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n<h2>\u501f\u91d1\u304c\u3044\u304f\u3089\u3042\u308b\u304b\u8abf\u3079\u308b\u65b9\u6cd5\u306f3\u7a2e\u985e\uff01\u3084\u3070\u3044\u3068\u304d\u306f\u8fd4\u6e08\u65b9\u6cd5\u306a\u3069\u306e\u76f8\u8ac7\u3068\u4f75\u305b\u3066\u4f9d\u983c<\/h2>\n<p>\u591a\u304f\u306e\u5834\u5408\u3001\u91d1\u878d\u6a5f\u95a2\u306e\u30de\u30a4\u30da\u30fc\u30b8\u3092\u898b\u308c\u3070\u501f\u91d1\u306e\u6b8b\u9ad8\u3084\u91d1\u5229\u304c\u8abf\u3079\u3089\u308c\u307e\u3059\u3002<\/p>\n<p>\u3057\u304b\u3057\u305d\u306e\u3088\u3046\u306a\u30b5\u30fc\u30d3\u30b9\u304c\u306a\u3044\u3068\u304d\u306f\u3001\u4fe1\u7528\u60c5\u5831\u6a5f\u95a2\u306b\u958b\u793a\u8acb\u6c42\u3092\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u958b\u793a\u8acb\u6c42\u3092\u3059\u308b\u3068\u3001\u501f\u91d1\u306e\u6b8b\u9ad8\u3084\u5ef6\u6ede\u60c5\u5831\u306a\u3069\u3092\u78ba\u8a8d\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u4ee3\u8868\u7684\u306a\u4fe1\u7528\u60c5\u5831\u6a5f\u95a2\u306f\u4ee5\u4e0b\u306e3\u3064\u3067\u3001\u305d\u308c\u305e\u308c\u306e\u52a0\u76df\u6a5f\u95a2\u3084\u554f\u3044\u5408\u308f\u305b\u65b9\u6cd5\u3001\u624b\u6570\u6599\u306a\u3069\u306f\u4ee5\u4e0b\u306e\u901a\u308a\u3067\u3059\u3002<\/p>\n<table>\n<thead>\n<tr>\n<th>\u4fe1\u7528\u60c5\u5831\u6a5f\u95a2<\/th>\n<th>\u4e3b\u306a\u52a0\u76df\u6a5f\u95a2<\/th>\n<th>\u554f\u3044\u5408\u308f\u305b\u65b9\u6cd5<\/th>\n<th>\u624b\u6570\u6599<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th>CIC<\/th>\n<td>\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4f1a\u793e<\/td>\n<td><a href=\"https:\/\/www.cic.co.jp\/mydata\/mailing\/index.html\" target=\"_blank\" rel=\"noopener noreferrer\">\u90f5\u9001<\/a><br \/>\n<small>\u203b\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\u306f\u4f11\u6b62\u4e2d<\/small><\/td>\n<td>500\u5186\uff08\u7c21\u6613\u66f8\u7559\uff09<\/td>\n<\/tr>\n<tr>\n<th>JICC<\/th>\n<td>\u6d88\u8cbb\u8005\u91d1\u878d\u30fb\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4f1a\u793e<\/td>\n<td><a href=\"https:\/\/www.jicc.co.jp\/kaiji\/01\" target=\"_blank\" rel=\"noopener noreferrer\">\u30b9\u30de\u30db<\/a><br \/>\n<a href=\"https:\/\/www.jicc.co.jp\/kaiji\/01\/01#cnt_procedure01\" target=\"_blank\" rel=\"noopener noreferrer\">\u90f5\u9001<\/a><\/td>\n<td>1,000\u5186\uff08\u30c7\u30fc\u30bf\uff09<br \/>\n1,300\u5186\uff08\u90f5\u9001\uff09<\/td>\n<\/tr>\n<tr>\n<th>KSC<\/th>\n<td>\u9280\u884c<\/td>\n<td><a href=\"https:\/\/www.jicc.co.jp\/kaiji\/01\/01#cnt_procedure01\" target=\"_blank\" rel=\"noopener noreferrer\">\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8<\/a><br \/>\n<a href=\"https:\/\/www.zenginkyo.or.jp\/pcic\/open\/mail\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u90f5\u9001<\/a><\/td>\n<td>1,000\u5186\uff08\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\uff09<br \/>\n1,679\u301c1,800\u5186\uff08\u90f5\u9001\uff09<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u7b2c3\u306e\u65b9\u6cd5\u3068\u3057\u3066\u3001\u5f01\u8b77\u58eb\u3084\u53f8\u6cd5\u66f8\u58eb\u306b\u8abf\u67fb\u3092\u4f9d\u983c\u3059\u308b\u65b9\u6cd5\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3057\u304b\u3057\u4fe1\u7528\u60c5\u5831\u6a5f\u95a2\u306b\u81ea\u5206\u3067\u7167\u4f1a\u3059\u308b\u3088\u308a\u3082\u8cbb\u7528\u304c\u9ad8\u3044\u305f\u3081\u3001\u8abf\u67fb\u4f9d\u983c\u3060\u3051\u3067\u306a\u304f\u3001\u8fd4\u6e08\u65b9\u6cd5\u3084\u50b5\u52d9\u6574\u7406\u306a\u3069\u306e\u76f8\u8ac7\u3068\u4f75\u305b\u3066\u4f9d\u983c\u3059\u308b\u306e\u304c\u304a\u3059\u3059\u3081\u3067\u3059\u3002<\/p>\n<h2>\u501f\u91d1\u304c\u3084\u3070\u3044\u72b6\u6cc1\u306b\u9665\u3063\u305f\u6642\u306b\u81ea\u529b\u3067\u8fd4\u6e08\u3092\u9032\u3081\u308b5\u3064\u306e\u5bfe\u51e6\u6cd5<\/h2>\n<p>\u501f\u91d1\u554f\u984c\u3092\u89e3\u6c7a\u3057\u305f\u3044\u3068\u601d\u3063\u305f\u3089\u3001\u307e\u305a\u306f\u81ea\u529b\u3067\u8fd4\u6e08\u3092\u9032\u3081\u308b\u3088\u3046\u5de5\u592b\u3059\u308b\u306e\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n<p>\u81ea\u529b\u3067\u8fd4\u6e08\u3092\u9032\u3081\u308b\u30b3\u30c4\u306f\u3001\u4ee5\u4e0b\u306e5\u3064\u3067\u3059\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt08.png\" alt=\"\u81ea\u529b\u3067\u8fd4\u6e08\u3092\u9032\u3081\u308b5\u3064\u306e\u30b3\u30c4\" width=\"750\" height=\"600\" class=\"aligncenter size-full wp-image-3855\" srcset=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt08.png 750w, https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt08-300x240.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<div class=\"st-mybox \" style=\"background:#ffffff;border-color:#3b8ad9;border-width:2px;border-radius:5px;margin: 25px 0;\"><div class=\"st-in-mybox\">\n<ul>\n<li>\u307e\u305a\u306f\u53ce\u652f\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u628a\u63e1\u3059\u308b<\/li>\n<li>\u56fa\u5b9a\u8cbb\u3092\u6e1b\u3089\u3059<\/li>\n<li>\u526f\u696d\u3067\u53ce\u5165\u3092\u5897\u3084\u3059<\/li>\n<li>\u7e70\u4e0a\u8fd4\u6e08\u3092\u3059\u308b<\/li>\n<li>\u304a\u307e\u3068\u3081\u30ed\u30fc\u30f3\u3092\u4f7f\u3046<\/li>\n<\/ul>\n<\/div><\/div>\n<p>\u307e\u3060\u53d6\u308a\u8fd4\u3057\u306e\u3064\u304f\u72b6\u6cc1\u3067\u306f\u3001\u751f\u6d3b\u3092\u898b\u76f4\u305b\u3070\u501f\u91d1\u554f\u984c\u306f\u89e3\u6c7a\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u4ee5\u4e0b\u3067\u305d\u308c\u305e\u308c\u8a73\u3057\u304f\u89e3\u8aac\u3059\u308b\u306e\u3067\u3001\u3067\u304d\u308b\u3082\u306e\u304b\u3089\u5b9f\u8df5\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3>\u307e\u305a\u306f\u53ce\u652f\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u628a\u63e1\u3057\u3066\u8fd4\u6e08\u8cc7\u91d1\u3092\u7528\u610f\u3059\u308b<\/h3>\n<p>\u501f\u91d1\u554f\u984c\u3092\u89e3\u6c7a\u3059\u308b\u7b2c\u4e00\u6b69\u306f\u3001\u6708\u306e\u53ce\u652f\u30d0\u30e9\u30f3\u30b9\u3092\u3057\u3063\u304b\u308a\u3068\u628a\u63e1\u3059\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u501f\u91d1\u3092\u8fd4\u6e08\u3059\u308b\u305f\u3081\u306b\u306f\u3001\u652f\u51fa\u3092\u6e1b\u3089\u3057\u305f\u308a\u53ce\u5165\u3092\u5897\u3084\u3057\u305f\u308a\u3057\u3066\u3001\u8fd4\u6e08\u8cc7\u91d1\u3092\u7528\u610f\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u7279\u306b\u652f\u51fa\u306e\u524a\u6e1b\u306f\u4eca\u65e5\u304b\u3089\u3067\u3082\u3067\u304d\u308b\u305f\u3081\u3001\u307e\u305a\u306f\u7121\u99c4\u306a\u652f\u51fa\u304c\u306a\u3044\u304b\u3092\u691c\u8a0e\u3057\u307e\u3059\u3002<\/p>\n<p>\u305d\u306e\u969b\u3001\u9805\u76ee\u3092\u7d30\u304b\u304f\u5206\u3051\u3066\u652f\u51fa\u3092\u6d17\u3044\u51fa\u3059\u306e\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n<p>\u4f8b\u3048\u3070\u3001\u98df\u8cbb\u306f\u5916\u98df\u8cbb\u3068\u81ea\u708a\u8cbb\u3001\u30b3\u30f3\u30d3\u30cb\u3067\u8cb7\u3046\u30b8\u30e5\u30fc\u30b9\u3084\u8efd\u98df\u4ee3\u306a\u3069\u306b\u5206\u3051\u308b\u306a\u3069\u3067\u3059\u3002<\/p>\n<p>\u7121\u7406\u306e\u306a\u3044\u7bc4\u56f2\u3067\u3001\u7121\u99c4\u306a\u652f\u51fa\u306f\u6e1b\u3089\u3057\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3>\u56fa\u5b9a\u8cbb\u3092\u6e1b\u3089\u3057\u3066\u7121\u99c4\u306a\u51fa\u8cbb\u3092\u306a\u304f\u3059<\/h3>\n<p>\u652f\u51fa\u306e\u524a\u6e1b\u306e\u4e2d\u3067\u3082\u3001\u56fa\u5b9a\u8cbb\u306e\u524a\u6e1b\u306f\u52b9\u679c\u304c\u9ad8\u3044\u3067\u3059\u3002<\/p>\n<p>\u8ab0\u3067\u3082\u5b9f\u8df5\u3057\u3084\u3059\u3044\u56fa\u5b9a\u8cbb\u306e\u524a\u6e1b\u65b9\u6cd5\u306b\u306f\u3001\u4ee5\u4e0b\u304c\u6319\u3052\u3089\u308c\u307e\u3059\u3002<\/p>\n<div class=\"st-mybox \" style=\"background:#ffffff;border-color:#3b8ad9;border-width:2px;border-radius:5px;margin: 25px 0;\"><div class=\"st-in-mybox\">\n<ul>\n<li>\u901a\u4fe1\u8cbb\u3092\u683c\u5b89SIM\u306b\u5207\u308a\u66ff\u3048\u308b<\/li>\n<li>\u4f7f\u3063\u3066\u3044\u306a\u3044\u30b5\u30d6\u30b9\u30af\u30b5\u30fc\u30d3\u30b9\u3092\u89e3\u7d04\u3059\u308b<\/li>\n<li>\u52a0\u5165\u3057\u3066\u3044\u308b\u6c11\u9593\u4fdd\u967a\u3092\u898b\u76f4\u3059<\/li>\n<\/ul>\n<\/div><\/div>\n<p>\u6628\u4eca\u306f\u683c\u5b89SIM\u3067\u3082\u5927\u5bb9\u91cf\u306e\u30d7\u30e9\u30f3\u304c\u7528\u610f\u3055\u308c\u3066\u304a\u308a\u3001\u5927\u624b\u30ad\u30e3\u30ea\u30a2\u3068\u905c\u8272\u306a\u3044\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u4f7f\u3063\u3066\u3044\u306a\u3044\u30b5\u30d6\u30b9\u30af\u30b5\u30fc\u30d3\u30b9\u3084\u3001\u5fc5\u8981\u4ee5\u4e0a\u306e\u4fdd\u969c\u304c\u4ed8\u3044\u305f\u6c11\u9593\u4fdd\u967a\u306f\u3001\u7121\u99c4\u306a\u51fa\u8cbb\u306e\u4ee3\u8868\u4f8b\u3067\u3059\u3002<\/p>\n<p>\u30b5\u30d6\u30b9\u30af\u3067\u3042\u308c\u3070\u304a\u8a66\u3057\u3067\u89e3\u7d04\u3057\u3066\u307f\u308b\u3001\u4fdd\u967a\u3067\u3042\u308c\u3070\u639b\u3051\u6368\u3066\u306b\u3059\u308b\u306a\u3069\u306e\u30a2\u30a4\u30c7\u30a2\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u56fa\u5b9a\u8cbb\u3067\u306f\u306a\u3044\u3082\u306e\u306e\u3001\u5916\u98df\u8cbb\u3082\u524a\u6e1b\u3057\u3084\u3059\u3044\u8cbb\u7528\u306e\u4e00\u3064\u3067\u3059\u3002<\/p>\n<p>\u6708\u306e\u5916\u98df\u56de\u6570\u3092\u6c7a\u3081\u308b\u30011\u56de\u306e\u81ea\u708a\u3067\u6570\u65e5\u5206\u4f5c\u308a\u7f6e\u304d\u3059\u308b\u306a\u3069\u306f\u3001\u7121\u7406\u306a\u304f\u5b9f\u8df5\u3067\u304d\u308b\u65b9\u6cd5\u3067\u3059\u3002<\/p>\n<h3>\u526f\u696d\u3067\u53ce\u5165\u3092\u5897\u3084\u3057\u3066\u501f\u91d1\u3092\u88dc\u586b\u3059\u308b<\/h3>\n<p>\u652f\u51fa\u306e\u524a\u6e1b\u306b\u306f\u9650\u754c\u304c\u3042\u308b\u305f\u3081\u3001\u53ce\u5165\u30a2\u30c3\u30d7\u3082\u4f75\u305b\u3066\u691c\u8a0e\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u501f\u91d1\u3092\u8fd4\u3059\u76ee\u7684\u3067\u3042\u308c\u3070\u3001\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u5373\u91d1\u6027\u306e\u9ad8\u3044\u526f\u696d\u304c\u304a\u3059\u3059\u3081\u3067\u3059\u3002<\/p>\n<div class=\"st-mybox \" style=\"background:#ffffff;border-color:#3b8ad9;border-width:2px;border-radius:5px;margin: 25px 0;\"><div class=\"st-in-mybox\">\n<ul>\n<li>\u305b\u3069\u308a<\/li>\n<li>\u30d5\u30fc\u30c9\u30c7\u30ea\u30d0\u30ea\u30fc<\/li>\n<li>\u5358\u767a\u30d0\u30a4\u30c8<\/li>\n<li>\u4e0d\u7528\u54c1\u306e\u58f2\u5374<\/li>\n<\/ul>\n<\/div><\/div>\n<p>\u4e0a\u8a18\u306f\u5c11\u306a\u3044\u521d\u671f\u6295\u8cc7\u304b\u3089\u59cb\u3081\u3089\u308c\u3001\u304a\u91d1\u304c\u5165\u3063\u3066\u304f\u308b\u307e\u3067\u306e\u671f\u9593\u304c\u6bd4\u8f03\u7684\u77ed\u3044\u3082\u306e\u3070\u304b\u308a\u3067\u3059\u3002<\/p>\n<p>\u4e00\u65b9\u3067\u3001\u4ee5\u4e0b\u306e\u526f\u696d\u306f\u501f\u91d1\u8fd4\u6e08\u306e\u89b3\u70b9\u304b\u3089\u306f\u3042\u307e\u308a\u5411\u3044\u3066\u3044\u307e\u305b\u3093\u3002<\/p>\n<div class=\"st-mybox \" style=\"background:#ffffff;border-color:#3b8ad9;border-width:2px;border-radius:5px;margin: 25px 0;\"><div class=\"st-in-mybox\">\n<ul>\n<li>YouTube\u30fb\u30a2\u30d5\u30a3\u30ea\u30a8\u30a4\u30c8<\/li>\n<li>\u682a\u5f0f\u6295\u8cc7\u30fbFX<\/li>\n<li>\u30dd\u30a4\u6d3b<\/li>\n<\/ul>\n<\/div><\/div>\n<p>YouTube\u3084\u30a2\u30d5\u30a3\u30ea\u30a8\u30a4\u30c8\u3001\u6295\u8cc7\u306f\u7a3c\u3052\u308b\u4fdd\u8a3c\u304c\u306a\u304f\u3001\u4eee\u306b\u7a3c\u3052\u305f\u3068\u3057\u3066\u3082\u521d\u3081\u306e\u3046\u3061\u306f\u5fae\u3005\u305f\u308b\u53ce\u76ca\u3057\u304b\u5165\u3063\u3066\u304d\u307e\u305b\u3093\u3002<\/p>\n<p>\u7279\u306b\u6295\u8cc7\u306f\u300c\u65e9\u304f\u7a3c\u304c\u306a\u3044\u3068\u300d\u3068\u3044\u3063\u305f\u7126\u308a\u304b\u3089\u3001\u7406\u6027\u7684\u306a\u884c\u52d5\u304c\u53d6\u308c\u306a\u304f\u306a\u308a\u3001\u7d50\u679c\u3068\u3057\u3066\u640d\u3092\u3059\u308b\u30ea\u30b9\u30af\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u30dd\u30a4\u6d3b\u306f\u4eba\u6c17\u306e\u526f\u696d\u3067\u306f\u3042\u308b\u3082\u306e\u306e\u3001\u4f5c\u696d\u91cf\u306b\u5bfe\u3057\u3066\u53ce\u5165\u304c\u5c11\u306a\u304f\u3001\u501f\u91d1\u8fd4\u6e08\u306e\u8cc7\u91d1\u4f5c\u308a\u3068\u3057\u3066\u306f\u5fc3\u3082\u3068\u306a\u3044\u3067\u3059\u3002<\/p>\n<p>\u501f\u91d1\u306f\u65e9\u304f\u8fd4\u3059\u307b\u3069\u8ca0\u62c5\u304c\u5c11\u306a\u304f\u306a\u308b\u305f\u3081\u3001\u304a\u91d1\u304c\u5165\u3063\u3066\u304f\u308b\u307e\u3067\u306e\u30b9\u30d1\u30f3\u304c\u77ed\u3044\u526f\u696d\u3092\u9078\u3073\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3>\u501f\u91d1\u306e\u7e70\u4e0a\u8fd4\u6e08\u3092\u3059\u308b<\/h3>\n<p>\u5bb6\u8a08\u306b\u4f59\u88d5\u306e\u3042\u308b\u6708\u306f\u3001\u8caf\u91d1\u3092\u3059\u308b\u3088\u308a\u3082\u7e70\u4e0a\u8fd4\u6e08\u3092\u3057\u305f\u65b9\u304c\u5f97\u3067\u3059\u3002<\/p>\n<p>\u7e70\u4e0a\u8fd4\u6e08\u306f\u3001\u5b8c\u6e08\u307e\u3067\u306e\u671f\u9593\u3092\u65e9\u3081\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u652f\u6255\u7dcf\u984d\u3092\u6e1b\u3089\u3059\u52b9\u679c\u3082\u3042\u308b\u305f\u3081\u3067\u3059\u3002<\/p>\n<p>\u501f\u91d1\u306e\u5229\u606f\u306f\u4ee5\u4e0b\u306e\u8a08\u7b97\u5f0f\u306e\u901a\u308a\u3001\u501f\u308a\u3066\u3044\u308b\u91d1\u984d\u3068\u65e5\u6570\u304c\u591a\u3044\u307b\u3069\u9ad8\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<div class=\"st-mybox \" style=\"background:#ffffff;border-color:#3b8ad9;border-width:2px;border-radius:5px;margin: 25px 0;\"><div class=\"st-in-mybox\">\n<p>\u5229\u606f=\u501f\u5165\u6b8b\u9ad8\u00d7\u91d1\u5229\u00d7\u501f\u308a\u3066\u3044\u308b\u65e5\u6570<\/p>\n<\/div><\/div>\n<p>\u6708\u306e\u9014\u4e2d\u3067\u7e70\u4e0a\u8fd4\u6e08\u3092\u3059\u308b\u3068\u501f\u5165\u6b8b\u9ad8\u304c\u6e1b\u308b\u305f\u3081\u3001\u6b21\u306e\u8fd4\u6e08\u65e5\u307e\u3067\u306b\u304b\u304b\u308b\u5229\u606f\u304c\u5c0f\u3055\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u5229\u606f\u304c\u6e1b\u308b\u3068\u8fd4\u6e08\u984d\u306b\u5360\u3081\u308b\u5143\u91d1\u306e\u5272\u5408\u304c\u5897\u3048\u308b\u3068\u3044\u3063\u305f\u9762\u304b\u3089\u3082\u8fd4\u6e08\u304c\u65e9\u307e\u308b\u305f\u3081\u3001\u7e70\u4e0a\u8fd4\u6e08\u306f1\u65e5\u3067\u3082\u65e9\u304f\u884c\u3046\u307b\u3069\u52b9\u679c\u304c\u9ad8\u3044\u3067\u3059\u3002<\/p>\n<p>\u305f\u3060\u3057\u7e70\u4e0a\u8fd4\u6e08\u3092\u3057\u3066\u3082\u3001\u672c\u6765\u306e\u8fd4\u6e08\u65e5\u306f\u30b9\u30ad\u30c3\u30d7\u3055\u308c\u306a\u3044\u305f\u3081\u3001\u3042\u304f\u307e\u3067\u4f59\u5270\u8cc7\u91d1\u3067\u884c\u3044\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3>\u304a\u307e\u3068\u3081\u30ed\u30fc\u30f3\u3092\u4f7f\u3063\u3066\u501f\u308a\u5165\u308c\u3092\u4e00\u672c\u5316\u3059\u308b<\/h3>\n<p>\u304a\u307e\u3068\u3081\u30ed\u30fc\u30f3\u3068\u306f\u3001\u8907\u6570\u793e\u304b\u3089\u306e\u501f\u308a\u5165\u308c\u30921\u793e\u306b\u307e\u3068\u3081\u3089\u308c\u308b\u30ed\u30fc\u30f3\u5546\u54c1\u3067\u3059\u3002<\/p>\n<p>\u304a\u307e\u3068\u3081\u30ed\u30fc\u30f3\u306e\u4ed5\u7d44\u307f\u306f\u3001\u304a\u307e\u3068\u3081\u30ed\u30fc\u30f3\u3092\u5229\u7528\u3059\u308b\u91d1\u878d\u6a5f\u95a2\u304b\u3089\u3001\u5404\u793e\u306e\u8fd4\u6e08\u306b\u5fc5\u8981\u306a\u304a\u91d1\u3092\u501f\u308a\u3001\u307e\u305a\u65e2\u5b58\u306e\u501f\u91d1\u3092\u8fd4\u6e08\u3057\u307e\u3059\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt10.png\" alt=\"\u304a\u307e\u3068\u3081\u30ed\u30fc\u30f3\u306e\u8aac\u660e\u753b\u50cf\" width=\"750\" height=\"700\" class=\"aligncenter size-full wp-image-3857\" srcset=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt10.png 750w, https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt10-300x280.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p>\u305d\u306e\u5f8c\u306f\u304a\u307e\u3068\u3081\u30ed\u30fc\u30f3\u5148\u306e\u4f1a\u793e\u3078\u8fd4\u6e08\u3092\u884c\u3044\u307e\u3059\u3002<\/p>\n<p>\u304a\u307e\u3068\u3081\u30ed\u30fc\u30f3\u306e\u30e1\u30ea\u30c3\u30c8\u3068\u30c7\u30e1\u30ea\u30c3\u30c8\u306f\u3001\u4ee5\u4e0b\u306e\u901a\u308a\u3067\u3059\u3002<\/p>\n<table>\n<thead>\n<tr>\n<th>\u30e1\u30ea\u30c3\u30c8<\/th>\n<th>\u30c7\u30e1\u30ea\u30c3\u30c8<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u30fb\u91d1\u5229\u304c\u4f4e\u304f\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b<br \/>\n\u30fb\u8fd4\u6e08\u65e5\u304c\u4e00\u672c\u5316\u3055\u308c\u3001\u7ba1\u7406\u304c\u697d\u306b\u306a\u308b<\/td>\n<td>\u30fb\u5229\u7528\u306b\u306f\u5be9\u67fb\u304c\u5fc5\u8981<br \/>\n\u30fb\u8fd4\u6e08\u5c02\u7528\u306e\u30ed\u30fc\u30f3\u306e\u305f\u3081\u3001\u8ffd\u52a0\u3067\u501f\u308a\u5165\u308c\u306f\u3067\u304d\u306a\u3044<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u304a\u307e\u3068\u3081\u30ed\u30fc\u30f3\u3067\u91d1\u5229\u304c\u4f4e\u304f\u306a\u308b\u30b1\u30fc\u30b9\u3068\u3057\u3066\u3001\u4ee5\u4e0b\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<ul>\n<li>\u304a\u307e\u3068\u3081\u30ed\u30fc\u30f3\u5148\u306e\u65b9\u304c\u91d1\u5229\u304c\u4f4e\u3044<\/li>\n<li>\u8907\u6570\u793e\u304b\u3089\u306e\u501f\u308a\u5165\u308c\u3092\u307e\u3068\u3081\u305f\u3053\u3068\u3067\u3001\u5229\u606f\u5236\u9650\u6cd5\u4e0a\u306e\u4f4e\u3044\u91d1\u5229\u304c\u9069\u7528\u3055\u308c\u308b<\/li>\n<\/ul>\n<p>\u4f8b\u3048\u3070\u300125\u4e07\u5186\u30924\u793e\u304b\u3089\u501f\u308a\u3066\u3044\u308b\u5834\u5408\u3001\u305d\u308c\u305e\u308c\u3067\u9069\u7528\u3055\u308c\u308b\u91d1\u5229\u306f\u304a\u304a\u3080\u306d18%\u524d\u5f8c\u3067\u3059\u3002<\/p>\n<p>\u305d\u3053\u30671\u793e\u306b\u307e\u3068\u3081\u308c\u3070\u501f\u5165\u6b8b\u9ad8\u304c100\u4e07\u5186\u3068\u306a\u308a\u3001\u4e0a\u9650\u91d1\u5229\u306b\u3088\u308a\u9069\u7528\u91d1\u5229\u304c15%\u4ee5\u4e0b\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u52a0\u3048\u3066\u3001\u3053\u308c\u307e\u3067\u30d0\u30e9\u30d0\u30e9\u3060\u3063\u305f\u8fd4\u6e08\u65e5\u304c1\u65e5\u306b\u307e\u3068\u307e\u308b\u305f\u3081\u3001\u8fd4\u6e08\u5fd8\u308c\u3084\u304a\u91d1\u3092\u5de5\u9762\u3067\u304d\u306a\u3044\u30ea\u30b9\u30af\u3092\u6e1b\u3089\u3059\u306e\u306b\u3082\u5f79\u7acb\u3061\u307e\u3059\u3002<\/p>\n<p>\u307e\u305f<a href=\"https:\/\/ndc-center.jp\/access\/finance\/refinance-loan\/\">\u501f\u308a\u63db\u3048\u30ed\u30fc\u30f3<\/a>\u3092\u5229\u7528\u3057\u3066\u3001\u91d1\u5229\u304c\u4e0b\u304c\u308b\u30ed\u30fc\u30f3\u3078\u306e\u501f\u308a\u63db\u3048\u3092\u691c\u8a0e\u3059\u308b\u306e\u3082\u826f\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<h2>\u501f\u91d1\u304c\u3084\u3070\u3044\u72b6\u6cc1\u306b\u8fd4\u6e08\u3092\u5f8c\u56de\u3057\u306b\u3059\u308b\u3068\u8d77\u3053\u308b4\u3064\u306e\u30ea\u30b9\u30af<\/h2>\n<p>\u3082\u3057\u8fd4\u6e08\u304c\u3067\u304d\u3066\u3044\u306a\u3044\u501f\u91d1\u304c\u3042\u308b\u306a\u3089\u3001\u5f8c\u56de\u3057\u306b\u305b\u305a\u4f55\u3089\u304b\u306e\u5bfe\u51e6\u3092\u884c\u3046\u306e\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n<p>\u501f\u91d1\u306e\u8fd4\u6e08\u3092\u5f8c\u56de\u3057\u306b\u3059\u308b\u3068\u3001\u4ee5\u4e0b\u306e\u30ea\u30b9\u30af\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt011.png\" alt=\"\u501f\u91d1\u306e\u8fd4\u6e08\u3092\u5f8c\u56de\u3057\u306b\u3057\u305f\u3068\u304d\u306b\u767a\u751f\u3059\u308b\u30ea\u30b9\u30af\u753b\u50cf\" width=\"750\" height=\"600\" class=\"aligncenter size-full wp-image-3858\" srcset=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt011.png 750w, https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt011-300x240.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<div class=\"st-mybox \" style=\"background:#ffffff;border-color:#3b8ad9;border-width:2px;border-radius:5px;margin: 25px 0;\"><div class=\"st-in-mybox\">\n<ul>\n<li>\u9045\u5ef6\u640d\u5bb3\u91d1\u304c\u767a\u751f\u3059\u308b<\/li>\n<li>\u4fe1\u7528\u60c5\u5831\u306b\u50b7\u304c\u4ed8\u304f<\/li>\n<li>\u4e00\u62ec\u3067\u306e\u8fd4\u6e08\u3092\u6c42\u3081\u3089\u308c\u308b<\/li>\n<li>\u8ca1\u7523\u3092\u5dee\u3057\u62bc\u3055\u3048\u3089\u308c\u308b<\/li>\n<\/ul>\n<\/div><\/div>\n<p>\u501f\u91d1\u306e\u8fd4\u6e08\u3092\u6ede\u3089\u305b\u308b\u30e1\u30ea\u30c3\u30c8\u306f\u306a\u304f\u3001\u307e\u3059\u307e\u3059\u81ea\u5206\u306e\u9996\u3092\u7d5e\u3081\u307e\u3059\u3002<\/p>\n<p>\u305d\u308c\u305e\u308c\u8a73\u3057\u304f\u89e3\u8aac\u3059\u308b\u306e\u3067\u3001\u8fd4\u6e08\u3092\u5f8c\u56de\u3057\u306b\u3059\u308b\u5371\u967a\u6027\u3092\u3057\u3063\u304b\u308a\u3068\u7406\u89e3\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3>\u9045\u5ef6\u640d\u5bb3\u91d1\u304c\u767a\u751f\u3057\u3066\u50b5\u52d9\u304c\u81a8\u308c\u4e0a\u304c\u308b<\/h3>\n<p>\u671f\u65e5\u901a\u308a\u306b\u8fd4\u6e08\u304c\u3067\u304d\u306a\u3044\u3068\u3001\u7fcc\u65e5\u304b\u3089\u30da\u30ca\u30eb\u30c6\u30a3\u3068\u3057\u3066\u9045\u5ef6\u640d\u5bb3\u91d1\u304c\u767a\u751f\u3057\u307e\u3059\u3002<\/p>\n<p>\u6d88\u8cbb\u8005\u91d1\u878d\u304b\u3089\u306e\u501f\u308a\u5165\u308c\u306e\u5834\u5408\u3001\u9045\u5ef6\u640d\u5bb3\u91d1\u306e\u91d1\u5229\u306f20%\u304c\u76f8\u5834\u3067\u3042\u308a\u3001\u901a\u5e38\u306e\u91d1\u5229\u3088\u308a\u3082\u9ad8\u304f\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u9045\u5ef6\u640d\u5bb3\u91d1\u306f\u6ede\u7d0d\u3057\u3066\u3044\u308b\u91d1\u984d\u306b\u5bfe\u3057\u3066\u767a\u751f\u3059\u308b\u305f\u3081\u3001\u3044\u304d\u306a\u308a\u5143\u672c\u5168\u984d\u306b\u5bfe\u3057\u3066\u306f\u767a\u751f\u3057\u307e\u305b\u3093\u3002<\/p>\n<p>\u305f\u3060\u3057\u5f8c\u8ff0\u306e\u4e00\u62ec\u8fd4\u6e08\u3092\u6c42\u3081\u3089\u308c\u305f\u5834\u5408\u306b\u306f\u3001\u5143\u672c\u5168\u984d\u306b\u5bfe\u3057\u3066\u9045\u5ef6\u640d\u5bb3\u91d1\u304c\u304b\u304b\u308b\u306e\u3067\u3001\u65e9\u304f\u624b\u3092\u6253\u305f\u306a\u3044\u3068\u50b5\u52d9\u304c\u3069\u3093\u3069\u3093\u81a8\u308c\u4e0a\u304c\u3063\u3066\u3057\u307e\u3044\u307e\u3059\u3002<\/p>\n<p>\u300c\u91d1\u5229\u304c\u5c11\u3057\u4e0a\u304c\u308b\u3060\u3051\u300d\u3068\u9ad8\u3092\u62ec\u3063\u3066\u3044\u308b\u3068\u75db\u3044\u76ee\u3092\u898b\u308b\u306e\u3067\u3001\u8fd4\u6e08\u3067\u304d\u308b\u306a\u3089\u4eca\u3059\u3050\u8fd4\u6e08\u3092\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3>\u4fe1\u7528\u60c5\u5831\u306b\u50b7\u304c\u4ed8\u304d\u30d6\u30e9\u30c3\u30af\u30ea\u30b9\u30c8\u306b\u767b\u9332\u3055\u308c\u308b<\/h3>\n<p>\u501f\u91d1\u306e\u8fd4\u6e08\u304c\u6ede\u308b\u3068\u3001\u305d\u306e\u65e8\u304c\u4fe1\u7528\u60c5\u5831\u6a5f\u95a2\u306b\u8a18\u9332\u3055\u308c\u3001\u3044\u308f\u3086\u308b\u300c\u50b7\u304c\u4ed8\u3044\u305f\u300d\u72b6\u614b\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u4fe1\u7528\u60c5\u5831\u306b\u50b7\u304c\u4ed8\u304f\u3068\u3001\u65b0\u305f\u306b\u30ed\u30fc\u30f3\u3084\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u767a\u884c\u306e\u5be9\u67fb\u306b\u901a\u3089\u306a\u3044\u3068\u3044\u3063\u305f\u30c7\u30e1\u30ea\u30c3\u30c8\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u5ef6\u6ede\u306e\u8a18\u9332\u304c\u3055\u308c\u308b\u30bf\u30a4\u30df\u30f3\u30b0\u306f\u5ef6\u6ede\u3057\u3066\u3059\u3050\u3067\u306f\u306a\u304f\u3001\u4e00\u822c\u7684\u306b\u306f61\u65e5\u4ee5\u4e0a\u304b\u30893\u30f6\u6708\u9593\u6ede\u7d0d\u3057\u305f\u3068\u304d\u3067\u3059\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt012.png\" alt=\"\u5ef6\u6ede\u60c5\u5831\u304c\u8a18\u8f09\u3055\u308c\u308b\u30bf\u30a4\u30df\u30f3\u30b0\u306e\u753b\u50cf\" width=\"750\" height=\"680\" class=\"aligncenter size-full wp-image-3859\" srcset=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt012.png 750w, https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt012-300x272.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p>\u3067\u306f2\u30f6\u6708\u4ee5\u5185\u306a\u3089\u6ede\u7d0d\u3057\u3066\u3082\u554f\u984c\u306a\u3044\u306e\u304b\u3068\u3044\u3046\u3068\u3001\u305d\u3046\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>\u77ed\u671f\u9593\u306e\u5ef6\u6ede\u306f\u4fe1\u7528\u60c5\u5831\u6a5f\u95a2\u306b\u8a18\u9332\u3055\u308c\u306a\u304f\u3068\u3082\u3001\u91d1\u878d\u6a5f\u95a2\u306e\u9867\u5ba2\u60c5\u5831\u306b\u306f\u8a18\u9332\u3055\u308c\u307e\u3059\u3002<\/p>\n<p>\u7d50\u679c\u3068\u3057\u3066\u3001\u91d1\u878d\u6a5f\u95a2\u5074\u306e\u5224\u65ad\u3067\u5951\u7d04\u3092\u89e3\u7d04\u3055\u308c\u305f\u308a\u3001\u65b0\u305f\u306b\u30ed\u30fc\u30f3\u3092\u7d44\u3081\u306a\u304f\u306a\u3063\u305f\u308a\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u306e\u3067\u3001\u77ed\u671f\u9593\u3067\u3082\u9045\u308c\u305a\u306b\u8fd4\u6e08\u3092\u3059\u308b\u306e\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n<h3>\u501f\u91d1\u306e\u4e00\u62ec\u8fd4\u6e08\u3092\u6c42\u3081\u3089\u308c\u308b<\/h3>\n<p>\u501f\u91d1\u306e\u8fd4\u6e08\u3092\u6020\u308b\u3068\u3001\u6b8b\u50b5\u52d9\u306e\u4e00\u62ec\u8fd4\u6e08\u3092\u6c42\u3081\u3089\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u3001\u3053\u308c\u3092\u300c\u671f\u9650\u306e\u5229\u76ca\u306e\u55aa\u5931\u300d\u3068\u3044\u3044\u307e\u3059\u3002<\/p>\n<p>\u671f\u9650\u306e\u5229\u76ca\u3068\u306f\u3001\u8fd4\u6e08\u671f\u65e5\u304c\u6765\u308b\u307e\u3067\u306f\u5168\u984d\u3092\u8fd4\u6e08\u3057\u306a\u304f\u3066\u3082\u3088\u3044\u3068\u3044\u3046\u3001\u50b5\u52d9\u8005\u5074\u306e\u6a29\u5229\u3067\u3059\u3002<\/p>\n<p>\u5206\u5272\u6255\u3044\u3067\u306e\u8fd4\u6e08\u304c\u53ef\u80fd\u306a\u306e\u306f\u3001\u671f\u9650\u306e\u5229\u76ca\u304c\u3042\u308b\u305f\u3081\u3067\u3059\u3002<\/p>\n<p>\u3057\u304b\u3057\u5951\u7d04\u306b\u3088\u3063\u3066\u3001\u671f\u9650\u306e\u5229\u76ca\u3092\u55aa\u5931\u3059\u308b\u6761\u4ef6\u3092\u8a2d\u5b9a\u3067\u304d\u3001\u4e00\u822c\u7684\u306b\u306f\u652f\u6255\u3044\u306e\u9045\u308c\u3084\u50b5\u52d9\u6574\u7406\u3001\u898f\u7d04\u9055\u53cd\u306b\u3088\u3063\u3066\u55aa\u5931\u3059\u308b\u3068\u5b9a\u3081\u3089\u308c\u307e\u3059\u3002<\/p>\n<p>\u4f8b\u3048\u3070\u30a2\u30b3\u30e0\u306e\u4f1a\u54e1\u898f\u7d04\u3067\u306f\u3001\u30a2\u30b3\u30e0\u304b\u308920\u65e5\u4ee5\u4e0a\u306e\u671f\u9650\u3092\u5b9a\u3081\u3066\u66f8\u9762\u3067\u50ac\u4fc3\u3055\u308c\u305f\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u3001\u8fd4\u6e08\u3092\u3057\u306a\u304b\u3063\u305f\u3068\u304d\u306b\u671f\u9650\u306e\u5229\u76ca\u3092\u55aa\u5931\u3059\u308b\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<blockquote><p>\u300c1.\u4f1a\u54e1\u304c\u6b21\u306e\u3044\u305a\u308c\u304b\u306b\u8a72\u5f53\u3059\u308b\u5834\u5408\u306b\u306f\u3001\u5f53\u793e\u304b\u3089\u306e\u901a\u77e5\u3001\u50ac\u544a\u304c\u306a\u304f\u3066\u3082\u5f53\u7136\u306b\u5f53\u793e\u306b\u5bfe\u3059\u308b\u50b5\u52d9\u306b\u3064\u3044\u3066\u671f\u9650\u306e\u5229\u76ca\u3092\u5931\u3044\u3001\u6b8b\u50b5\u52d9\u5168\u984d\u3092\u305f\u3060\u3061\u306b\u652f\u6255\u3046\u3082\u306e\u3068\u3057\u307e\u3059\u3002<br \/>\n\uff082\uff09\u30b7\u30e7\u30c3\u30d4\u30f3\u30b0\u7b49\u306e\u5229\u7528\u4ee3\u91d1\u306b\u3064\u3044\u3066\u652f\u6255\u671f\u65e5\u306b\u5f01\u6e08\u91d1\u306e\u652f\u6255\u3092\u9045\u6ede\u3057\u3001\u5f53\u793e\u304b\u308920\u65e5\u4ee5\u4e0a\u306e\u76f8\u5f53\u306a\u671f\u9593\u3092\u5b9a\u3081\u3066\u305d\u306e\u652f\u6255\u3092\u66f8\u9762\u3067\u50ac\u544a\u3055\u308c\u305f\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u3001\u305d\u306e\u671f\u9593\u5185\u306b\u652f\u6255\u308f\u306a\u304b\u3063\u305f\u3068\u304d\u3002\u300d<br \/>\n<cite>\u5f15\u7528\uff1a<a href=\"https:\/\/www.acom.co.jp\/policy\/ac\/#policy_ac_1\" target=\"_blank\" rel=\"noopener\">\u30a2\u30b3\u30e0\uff5cAC\u4f1a\u54e1\u898f\u7d04<\/a><\/cite><\/p><\/blockquote>\n<p>\u4e00\u62ec\u8fd4\u6e08\u3092\u6c42\u3081\u3089\u308c\u308b\u3068\u3001\u8fd4\u6e08\u304c\u307e\u3059\u307e\u3059\u56f0\u96e3\u306b\u306a\u308a\u3001\u53d6\u308c\u308b\u5bfe\u51e6\u6cd5\u306e\u9078\u629e\u80a2\u304c\u5c11\u306a\u304f\u306a\u308b\u305f\u3081\u3001\u8fd4\u6e08\u306b\u306f\u9045\u308c\u3066\u306f\u3044\u3051\u307e\u305b\u3093\u3002<\/p>\n<h3>\u8ca1\u7523\u3092\u5dee\u3057\u62bc\u3055\u3048\u3089\u308c\u308b\u53ef\u80fd\u6027\u3082\u3042\u308b<\/h3>\n<p>\u501f\u91d1\u306e\u8fd4\u6e08\u3092\u6020\u308a\u3001\u518d\u4e09\u306e\u7763\u4fc3\u3082\u7121\u8996\u3057\u7d9a\u3051\u308b\u3068\u3001\u6700\u60aa\u306e\u30b1\u30fc\u30b9\u3068\u3057\u3066\u8ca1\u7523\u306e\u5dee\u3057\u62bc\u3055\u3048\u304c\u5b9f\u884c\u3055\u308c\u307e\u3059\u3002<\/p>\n<p>\u4f1a\u793e\u54e1\u306e\u5834\u5408\u3001\u5dee\u3057\u62bc\u3055\u3048\u3089\u308c\u308b\u8ca1\u7523\u306e\u4ee3\u8868\u683c\u306b\u7d66\u6599\u304c\u6319\u3052\u3089\u308c\u3001\u7d66\u6599\u306e1\/4\u307e\u305f\u306f33\u4e07\u5186\u3092\u8d85\u3048\u305f\u5206\u304c\u5dee\u3057\u62bc\u3055\u3048\u306e\u5bfe\u8c61\u3067\u3059\u3002<\/p>\n<p>\u7d66\u6599\u304c\u5dee\u3057\u62bc\u3055\u3048\u3089\u308c\u308b\u3068\u3001\u4f1a\u793e\u306b\u3082\u30d0\u30ec\u3066\u3057\u307e\u3044\u307e\u3059\u3002<\/p>\n<p>\u4ed6\u306b\u306f\u9810\u8caf\u91d1\u3084\u751f\u547d\u4fdd\u967a\u306e\u89e3\u7d04\u8fd4\u623b\u91d1\u3001\u4f4f\u5b85\u306a\u3069\u306e\u8ca1\u7523\u3082\u5dee\u3057\u62bc\u3055\u3048\u3089\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u8fd4\u6e08\u306e\u5ef6\u6ede\u304b\u3089\u5dee\u3057\u62bc\u3055\u3048\u307e\u3067\u306e\u4e00\u822c\u7684\u306a\u6d41\u308c\u306f\u3001\u4ee5\u4e0b\u306e\u901a\u308a\u3067\u3059\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt013.png\" alt=\"\u8fd4\u6e08\u5ef6\u6ede\u304b\u3089\u5dee\u3057\u62bc\u3055\u3048\u307e\u3067\u306e\u6d41\u308c\" width=\"750\" height=\"750\" class=\"aligncenter size-full wp-image-3860\" srcset=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt013.png 750w, https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt013-300x300.png 300w, https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt013-150x150.png 150w, https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt013-100x100.png 100w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<div class=\"st-mybox \" style=\"background:#ffffff;border-color:#3b8ad9;border-width:2px;border-radius:5px;margin: 25px 0;\"><div class=\"st-in-mybox\">\n<ol>\n<li>\u9045\u5ef6\u640d\u5bb3\u91d1\u306e\u767a\u751f\u30fb\u7763\u4fc3\u304c\u59cb\u307e\u308b<\/li>\n<li>\u4fe1\u7528\u60c5\u5831\u6a5f\u95a2\u306b\u5ef6\u6ede\u8a18\u9332\u304c\u767b\u9332\u3055\u308c\u308b<\/li>\n<li>\u4e00\u62ec\u8acb\u6c42\u3084\u6cd5\u7684\u624b\u6bb5\u3092\u53d6\u308b\u4e88\u544a\u306e\u901a\u77e5\u304c\u6765\u308b<\/li>\n<li>\u88c1\u5224\u6240\u304b\u3089\u652f\u6255\u7763\u4fc3\u3084\u8a34\u72b6\u304c\u5c4a\u304f<\/li>\n<li>\u88c1\u5224\u306b\u51fa\u982d\u3057\u306a\u3044\u3068\u6557\u8a34\u304c\u6c7a\u5b9a\u3057\u3001\u5dee\u3057\u62bc\u3055\u3048\u304c\u5b9f\u884c\u3055\u308c\u308b<\/li>\n<\/ol>\n<\/div><\/div>\n<p>\u5ef6\u6ede\u958b\u59cb\u304b\u3089\u5dee\u3057\u62bc\u3055\u3048\u307e\u3067\u306e\u671f\u9593\u306f\u3001\u50b5\u6a29\u8005\u306e\u5224\u65ad\u306b\u3088\u308b\u305f\u3081\u3001\u4e00\u6982\u306b\u306f\u3044\u3048\u307e\u305b\u3093\u3002<\/p>\n<p>\u5dee\u3057\u62bc\u3055\u3048\u304c\u5b9f\u884c\u3055\u308c\u308b\u969b\u306e\u4e88\u544a\u306f\u306a\u304f\u3001\u3042\u308b\u65e5\u7a81\u7136\u884c\u308f\u308c\u307e\u3059\u3002<\/p>\n<p>\u3057\u304b\u3057\u50b5\u6a29\u8005\u304b\u3089\u306e\u6cd5\u7684\u624b\u6bb5\u306e\u4e88\u544a\u901a\u77e5\u3084\u8a34\u72b6\u306a\u3069\u3067\u3001\u5dee\u3057\u62bc\u3055\u3048\u306e\u4e88\u5146\u3092\u77e5\u308b\u3053\u3068\u306f\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<p>\u7763\u4fc3\u72b6\u306f\u7121\u8996\u305b\u305a\u3001\u5bfe\u51e6\u304c\u96e3\u3057\u3051\u308c\u3070\u5f01\u8b77\u58eb\u3084\u53f8\u6cd5\u66f8\u58eb\u306b\u76f8\u8ac7\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h2>\u81ea\u529b\u3067\u306e\u8fd4\u6e08\u304c\u96e3\u3057\u3044\u307b\u3069\u501f\u91d1\u304c\u3084\u3070\u3044\u3068\u304d\u306f\u5c02\u9580\u5bb6\u306b\u76f8\u8ac7\u3057\u3088\u3046<\/h2>\n<p>\u5bb6\u8a08\u306e\u898b\u76f4\u3057\u3084\u526f\u696d\u3092\u3057\u3066\u3082\u3001\u501f\u91d1\u306e\u8fd4\u6e08\u304c\u96e3\u3057\u3044\u3068\u611f\u3058\u308b\u5834\u5408\u306f\u3001\u5f01\u8b77\u58eb\u3084\u53f8\u6cd5\u66f8\u58eb\u306b\u76f8\u8ac7\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u5c02\u9580\u5bb6\u306b\u76f8\u8ac7\u3059\u308c\u3070\u3001\u501f\u91d1\u554f\u984c\u306e\u89e3\u6c7a\u306e\u7cf8\u53e3\u304c\u898b\u3064\u304b\u308a\u307e\u3059\u3002<\/p>\n<p>\u501f\u91d1\u554f\u984c\u3092\u5c02\u9580\u5bb6\u306b\u76f8\u8ac7\u3059\u308b\u8a73\u3057\u3044\u30e1\u30ea\u30c3\u30c8\u3084\u3001\u4f9d\u983c\u8cbb\u7528\u306e\u637b\u51fa\u304c\u96e3\u3057\u3044\u4eba\u306b\u304a\u3059\u3059\u3081\u306e\u6cd5\u30c6\u30e9\u30b9\u3092\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<p>1\u4eba\u3067\u62b1\u3048\u8fbc\u3080\u3068\u3001\u8fd4\u6e08\u304c\u3067\u304d\u306a\u304f\u306a\u3063\u305f\u308a\u7cbe\u795e\u7684\u306b\u8ffd\u3044\u8a70\u3081\u3089\u308c\u305f\u308a\u3068\u3001\u72b6\u6cc1\u306f\u60aa\u5316\u3059\u308b\u4e00\u65b9\u306e\u305f\u3081\u3001\u52c7\u6c17\u3092\u51fa\u3057\u3066\u4e00\u6b69\u3092\u8e0f\u307f\u51fa\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3>\u5f01\u8b77\u58eb\u30fb\u53f8\u6cd5\u66f8\u58eb\u306b\u501f\u91d1\u554f\u984c\u306e\u7121\u6599\u76f8\u8ac7\u304c\u3067\u304d\u308b<\/h3>\n<p>\u591a\u304f\u306e\u5f01\u8b77\u58eb\u30fb\u53f8\u6cd5\u66f8\u58eb\u4e8b\u52d9\u6240\u306f\u3001\u501f\u91d1\u554f\u984c\u306e\u76f8\u8ac7\u3067\u3042\u308c\u3070\u7121\u6599\u3067\u5fdc\u3058\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u7121\u6599\u76f8\u8ac7\u3067\u306f\u3001\u81ea\u5206\u304c\u7f6e\u304b\u308c\u3066\u3044\u308b\u72b6\u6cc1\u306e\u6574\u7406\u3084\u3001\u554f\u984c\u306e\u89e3\u6c7a\u7b56\u306e\u63d0\u6848\u3092\u3057\u3066\u3082\u3089\u3048\u307e\u3059\u3002<\/p>\n<p>\u63d0\u6848\u5185\u5bb9\u306b\u7d0d\u5f97\u304c\u3044\u3051\u3070\u3001\u305d\u306e\u5834\u3067\u4f9d\u983c\u3082\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<p>\u50b5\u52d9\u6574\u7406\u3092\u4f9d\u983c\u3059\u308b\u5834\u5408\u3001\u5fc5\u8981\u306a\u624b\u7d9a\u304d\u306f\u4ee3\u884c\u3057\u3066\u304f\u308c\u308b\u306e\u3067\u3001\u81ea\u5206\u304c\u3084\u308b\u3053\u3068\u306f\u307b\u3068\u3093\u3069\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>\u3055\u3089\u306b\u50b5\u52d9\u6574\u7406\u3092\u4f9d\u983c\u3059\u308b\u3068\u3001\u53d7\u4efb\u901a\u77e5\u306b\u3088\u308a\u501f\u91d1\u306e\u53d6\u308a\u7acb\u3066\u304c\u30b9\u30c8\u30c3\u30d7\u3057\u307e\u3059\u3002<\/p>\n<p>\u96fb\u8a71\u3084\u90f5\u4fbf\u7269\u306b\u3088\u308b\u7763\u4fc3\u304c\u306a\u304f\u306a\u308b\u3060\u3051\u3067\u3082\u3001\u5927\u304d\u306a\u5b89\u5fc3\u611f\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u591a\u304f\u306e\u4e8b\u52d9\u6240\u306f\u7740\u624b\u91d1\u306e\u5206\u5272\u6255\u3044\u306b\u5bfe\u5fdc\u3057\u3066\u3044\u308b\u306e\u3067\u3001\u4eca\u3059\u3050\u8cbb\u7528\u3092\u6255\u3048\u306a\u304f\u3066\u3082\u554f\u984c\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>\u4f9d\u983c\u306b\u81f3\u3089\u306a\u304f\u3068\u3082\u5927\u304d\u306a\u640d\u306f\u3057\u306a\u3044\u306e\u3067\u3001\u6c17\u306b\u306a\u308b\u4e8b\u52d9\u6240\u304c\u3042\u308c\u3070\u7121\u6599\u76f8\u8ac7\u306b\u7533\u3057\u8fbc\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3>\u8cbb\u7528\u306e\u637b\u51fa\u304c\u96e3\u3057\u3051\u308c\u3070\u6cd5\u30c6\u30e9\u30b9\u304c\u304a\u3059\u3059\u3081<\/h3>\n<p>\u50b5\u52d9\u6574\u7406\u3092\u691c\u8a0e\u3057\u3066\u3044\u308b\u306e\u306e\u3001\u8cbb\u7528\u306e\u637b\u51fa\u304c\u3067\u304d\u306a\u3044\u4eba\u3084\u3001\u4f55\u304b\u3089\u76f8\u8ac7\u3057\u305f\u3089\u3088\u3044\u304b\u5206\u304b\u3089\u306a\u3044\u4eba\u306f\u3001<a href=\"https:\/\/www.houterasu.or.jp\/\" target=\"_blank\" rel=\"noopener\">\u6cd5\u30c6\u30e9\u30b9<\/a>\u3092\u5229\u7528\u3059\u308b\u306e\u304c\u304a\u3059\u3059\u3081\u3067\u3059\u3002<\/p>\n<p>\u6cd5\u30c6\u30e9\u30b9\u3068\u306f\u3001\u56fd\u304c\u8a2d\u3051\u3066\u3044\u308b\u6cd5\u5f8b\u306e\u76f8\u8ac7\u7a93\u53e3\u3067\u3059\u3002<\/p>\n<p>\u6cd5\u30c6\u30e9\u30b9\u7d4c\u7531\u3067\u5f01\u8b77\u58eb\u306b\u4f9d\u983c\u3059\u308b\u5834\u5408\u3001\u53ce\u5165\u3084\u8cc7\u7523\u306e\u6761\u4ef6\u3092\u6e80\u305f\u3059\u3068\u5f01\u8b77\u58eb\u8cbb\u7528\u306e\u7acb\u3066\u66ff\u3048\u3092\u884c\u3063\u3066\u304f\u308c\u307e\u3059\u3002<\/p>\n<p>\u751f\u6d3b\u4fdd\u8b77\u3092\u53d7\u3051\u3066\u3044\u308b\u4eba\u306a\u3089\u3001\u7acb\u66ff\u8cbb\u7528\u306e\u8fd4\u6e08\u3082\u514d\u9664\u3055\u308c\u308b\u305f\u3081\u3001\u5b9f\u8cea\u7121\u6599\u3067\u50b5\u52d9\u6574\u7406\u304c\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<p>\u6cd5\u30c6\u30e9\u30b9\u306f3\u56de\u307e\u3067\u7121\u6599\u3067\u6cd5\u5f8b\u76f8\u8ac7\u304c\u3067\u304d\u3001\u76f8\u8ac7\u5185\u5bb9\u306b\u5fdc\u3058\u3066\u9069\u3057\u305f\u6a5f\u95a2\u306e\u7d39\u4ecb\u3082\u3057\u3066\u304f\u308c\u307e\u3059\u3002<\/p>\n<p>\u501f\u91d1\u306b\u3064\u3044\u3066\u6f20\u7136\u3068\u3057\u305f\u60a9\u307f\u3084\u4e0d\u5b89\u304c\u3042\u308b\u4eba\u3082\u3001\u307e\u305a\u306f\u6cd5\u30c6\u30e9\u30b9\u306b\u76f8\u8ac7\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h2>\u501f\u91d1\u304c\u3084\u3070\u3044\u72b6\u6cc1\u3067\u8fd4\u6e08\u3067\u304d\u306a\u3044\u3068\u304d\u306f\u50b5\u52d9\u6574\u7406\u304c\u304a\u3059\u3059\u3081<\/h2>\n<p>\u81ea\u529b\u3067\u306e\u8fd4\u6e08\u304c\u96e3\u3057\u3044\u5834\u5408\u3001\u50b5\u52d9\u6574\u7406\u3092\u3059\u308c\u3070\u8fd4\u6e08\u8ca0\u62c5\u3092\u8efd\u6e1b\u3067\u304d\u307e\u3059\u3002<\/p>\n<p><a href=\"https:\/\/ndc-center.jp\/access\/finance\/debt-consolidation-tokyo\/\">\u50b5\u52d9\u6574\u7406<\/a>\u3068\u306f\u4ee5\u4e0b4\u3064\u3092\u6307\u3057\u3001\u3044\u305a\u308c\u3082\u6cd5\u5f8b\u306b\u5247\u3063\u3066\u884c\u3046\u5408\u6cd5\u7684\u306a\u624b\u7d9a\u304d\u3067\u3059\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt014.png\" alt=\"\u50b5\u52d9\u6574\u7406\u306e\u7a2e\u985e\" width=\"750\" height=\"510\" class=\"aligncenter size-full wp-image-3861\" srcset=\"https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt014.png 750w, https:\/\/ndc-center.jp\/access\/finance\/wp-content\/uploads\/too-much-debt014-300x204.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<div class=\"st-mybox \" style=\"background:#ffffff;border-color:#3b8ad9;border-width:2px;border-radius:5px;margin: 25px 0;\"><div class=\"st-in-mybox\">\n<ul>\n<li>\u4efb\u610f\u6574\u7406<\/li>\n<li>\u500b\u4eba\u518d\u751f<\/li>\n<li>\u81ea\u5df1\u7834\u7523<\/li>\n<li>\u7279\u5b9a\u8abf\u505c<\/li>\n<\/ul>\n<\/div><\/div>\n<p>\u624b\u7d9a\u304d\u306e\u7a2e\u985e\u306b\u3088\u3063\u3066\u3001\u501f\u91d1\u306e\u6e1b\u984d\u52b9\u679c\u3084\u624b\u7d9a\u304d\u5f8c\u306e\u751f\u6d3b\u3078\u306e\u5236\u9650\u304c\u7570\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u305f\u3060\u3057\u3069\u306e\u624b\u7d9a\u304d\u3067\u3042\u3063\u3066\u3082\u3001\u50b5\u52d9\u6574\u7406\u3092\u3057\u305f\u65e8\u306f\u4fe1\u7528\u60c5\u5831\u6a5f\u95a2\u306b5\uff5e10\u5e74\u9593\u8a18\u9332\u3055\u308c\u3001\u305d\u306e\u9593\u306f\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3084\u30ed\u30fc\u30f3\u306e\u5be9\u67fb\u306b\u901a\u308a\u306b\u304f\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u4ee5\u4e0b\u3067\u306f\u3001\u5404\u624b\u7d9a\u304d\u306e\u6982\u8981\u3084\u30e1\u30ea\u30c3\u30c8\u30fb\u30c7\u30e1\u30ea\u30c3\u30c8\u3092\u89e3\u8aac\u3059\u308b\u306e\u3067\u3001\u3069\u306e\u3088\u3046\u306a\u89e3\u6c7a\u7b56\u304c\u3042\u308b\u306e\u304b\u3092\u77e5\u308a\u305f\u3044\u4eba\u306f\u305c\u3072\u30c1\u30a7\u30c3\u30af\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<h3>\u4efb\u610f\u6574\u7406\u306f\u5c06\u6765\u5229\u606f\u306e\u30ab\u30c3\u30c8\u3084\u6708\u306e\u8fd4\u6e08\u984d\u306e\u8efd\u6e1b\u304c\u3067\u304d\u308b<\/h3>\n<p>\u4efb\u610f\u6574\u7406\u3068\u306f\u50b5\u6a29\u8005\u3068\u4ea4\u6e09\u3057\u3001\u4e3b\u306b\u5229\u606f\u30ab\u30c3\u30c8\u3084\u6708\u306e\u8fd4\u6e08\u984d\u306e\u8efd\u6e1b\u3092\u56f3\u308b\u624b\u7d9a\u304d\u3067\u3059\u3002<\/p>\n<p>\u5229\u606f\u30ab\u30c3\u30c8\u5f8c\u306e\u5143\u672c\u306b\u3064\u3044\u3066\u539f\u52473\u5e74\u3001\u6700\u95775\u5e74\u306e\u8fd4\u6e08\u8a08\u753b\u3092\u7acb\u3066\u3001\u50b5\u6a29\u8005\u306e\u5408\u610f\u304c\u5f97\u3089\u308c\u308c\u3070\u8a08\u753b\u306b\u57fa\u3065\u3044\u3066\u8fd4\u6e08\u3092\u884c\u3063\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<p>\u4efb\u610f\u6574\u7406\u306e\u30e1\u30ea\u30c3\u30c8\u306f\u3001\u4e3b\u306b\u4ee5\u4e0b\u306e2\u3064\u3067\u3059\u3002<\/p>\n<div 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