ERM

2011ǯ0731

γݤꥹޥͥȤΰǤ

Фϡбǰ󥵥륿Ȥǥꥹޥͥȶ Certified Risk Manager ΥФǤ


ʤۤȤɹǤ˿ޤ



ī϶۵Ͽ®Ĥޤ

̸ϤʡǤϸȯ褷ʤ桢Ͽ̤籫ˤﳲΩ³Ƥꡢꤪ񤤿夲ޤ



ơϿȯΥꥹФޤơбļԤȤƤ͡ʽ򤷤Ƥɬפޤ͡

BCPʻȷ³ײˤERMŪꥹޥͥȡˤޤǡϰϤޤ̿Ȱͥ褹ˤѤꤢޤ


̿Ȱͥ褹ȹͤСγݤϷ礫ޤ


ǡʹͤǡǤ礦


˰̣˰¿ʰݤʤ顢κݤˤϿİ¿ʰƱ˳ݤƤ

줬ʡˤʤ


۵ѤΥߥͥ륦ߤƤƤ⡢Ťʤ両ʾ̣¤Ĺ¡ˤ᤮Ƥޤͤȡ֤ǿΤؤƤ館ΥåȤ礭Ǥ͡



ǶǤ緿åԥ󥰥⡼ǤĶȤ򤵤Ƥ롢ФƳǤ





ڡ쥯ȡ
ŷΥߥͥ륦







ڡꥯ顡
С󥿥̵ȥꥯO157ޤǽ0.0001ߥROե륿ʵտƩˤǰ¿ɵᤷͭ̾ۥ







ڡե륦

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ڡÿ塡ŷο塡

ͭޥ˥ࡦŷͭÿֶ彣ŷοסŷХʥͭٻΤηäٻΤÿۡrinˡס̯ΥߥͥХ󥹱ɿ塦Իٻϼֵͯס
ѥСϣ٤ޤ







ڡFreciousʥե쥷㥹ˡ

åʥСϣࡣ
ʥե䤴ˤ⤷äեåȤ֥å⤢ޤ
ʤǮŷٻληäߤǤ





˰̣˰¿ʰݤʤ顢κݤˤϿİ¿ʰƱ˳ݤƤ

줬ʡˤʤ


۵ѤΥߥͥ륦ߤƤƤ⡢Ťʤ両ʾ̣¤Ĺ¡ˤ᤮Ƥޤͤȡ֤ǿΤؤƤ館ΥåȤ礭Ǥ͡




١ҤΥꥹޥͥȥǤƤƤߤƤޤ








ˤ֥ۤ¼ бĥ֥ бůءбǰ


ӥ֥ͥ100



Υȥ꡼ϤƤʥ֥åޡɲ mixiå

2011ǯ0314

԰¿

ˤϡбǰ󥵥륿Ȥǥꥹޥͥȶ Certified Risk Manager ΥФǤ


̲Ͽ̡̡Ͽ̡̺ҡ

ƻƶɤˤäơ̤ƤۤʤäƤ̤ͭ维



θ塢ﳲŪ˾ʤäԷӤΥɡʥϰˤơѡ䥳ӥˡɥåȥϴӡѥ󡢥å̵ͤ͡ʤɤˤʤäꡢڤˤʤäꤷƤޤ


ޤϤȯɽַײšפϡ󤬥ȥ뤵ʤޤƻƶɤȯ졢Ƥϣžž»ͽǤäʷˤͼˤʤäƤ⡢̤»ܤΤݤΤˤɤ٤λ֡ŵޤΤޤʤȤʤäƤޤ


ʡ츶ȯŽλΤˤĤƤ⡢ΤʾäƤΤϡ

Ѥʻ֤ƤΤΤʤ

ȤƥӤ̤ƿäƤ夫顢˼ĹεԲ񸫤ˤäȤäǤ



ʣˤΣˣ٤ۤȯ줿Ĺն̸ϤȤΤȻפ۵Ͽ®⡢ƥӤȳɺξĤޤ٤Ȥä褦ǡɤϤޤǤ


ƥӤϺˤʤäơȥơȯ褦ʾ̤졢

۵޻˺Ǥڤʡ ١

ΤȤ鳰褦ʥȤƲϤƤޤ



ʥ󥵡ȯƱͤǤ ١ ٤狼ʤˤȡФ ưʪ饫ޥ ξ֤˴٤䤹ʤޤ



ưʪ饫ޥ


狼ʤΥ



԰







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ͤưʪƱ褦ˡ狼ʤΥȤȤäƤȡ԰¤򴶤ޤ


狼ʤΥȤȤβۤɡ԰¤礷Ƥޤ


԰¤ʾϡ˶ҤȤߡζҤ򤱤뤿ιưȤơƨư򵯤ޤ


ʬɤޤƨʤˤƤϡζҤθȤʤ԰¡԰¤θȤʤȤ狼ʤΥȡɤ򹶷⤹ˤäơ԰¤ä褦Ȥޤ



ϸΥѡФ˹ԤޤīĹؤ󤬽Ƥơ뺢٤褿͡ϤʤʤŹ褺

ȤĤˤʤä餪ŹΤ狼ʤ

줿ȤƤ⡢ʤĤäƤΤ狼ʤ

äȤ桢鷺˵ˤ⤤ʤƨ줬̵˻顢饤餷ŹȬꤷƤʤޤ



˥塼㥹ˤ⡢äʡ츶ȯŽθߤξ狼ʤ顢 ١ ٤ǤϤʤܿͤλפߤ䲱¬򡢤ĤĤդˤȤ˾褻Ƥޤä㤤ޤ


ϡ

ȤΤޤѤ꤯ʤä顢ɤʤΤ狼ʤ

ȿȯĶ礭ʤΤˤʤä硢ɤǽˤﳲΤ狼ʤ

Ȥä Ȥ԰ Ӥ뤿ˡ ١ ٤狼ʤˤƤ⡢ȤǤʤˤؤ餺 ȤγǧȤ ӿ¬䲱¬פߤǤ¿ޤȤꤲƤޤΤǤ


ַײšפΥ˥塼ˤĤƤ⡢Υơ顢ΤǤʤФܤޤȤȤ˾褻ƤǤ



¿ο͡ ԰ ɤʾ֤ˤ餵Ƥˡ԰ ɤ򤢤ˤʤ䡢 ԰ ɤФ빶ܤˤ򤢤ˤʤܤäƤȡ԰ѵϤμ夤ͤΡ ԰ ɤƤޤ̤ޤ


Ȥ˾褻ơ ԰ ɤŤȤ֤Ǥ



ǥ̤ʤƤ⡢㤨Ĺؤ¤ԤäƤ֤Ĺʤʡ԰¤ˤ餵Ƥ֤Ĺʤˡ͡Ƥȡ˽ưȯŸƤޤޤ

ΥǥʤɤǤϤ褯ܤˤʤǤʬͤǤϤʤȤʤä͡ưŪ˶ʳޤꡢȽϤŪ׹ͤ㲼˽̲Ƥޤ֤

ο

äȸޤ



ѥ˥åŪ˾ʤ㤤ίᤷƤޤư⡢

Ⱥ塢ݤĤʪ񤬼Τ狼ʤ

Ȥ顢㤤ίᤷƤ¾ͤ򸫤ơ㤤ίäƤޤȤƯǤ


Ʊ͡



ϡϤؤλٱ򿿤˹ԤʤפäȻפäƤƤ⡢ܤθʤ ԰ ɤ졢˥ǥήƤ ԰ ɤ֤ݤơѥ˥åŪʹư򵯤䤹ʤäƤޤΤǤ




ְ㤨̵ưưΤˤϡ

狼ʤΥ



١

ѴɬפǤ



԰ ɤ˶Ʋ¬¬ˤäơȤ狼ʤΥȡɤ褦Ȥޤȡ

㤨Сֺǰλ֤ꤷơ

Ȥäդ԰¤ɤͤƹŪˤʤäƤޤäƤ͡򡢤̤ȤʤäƤޤΤǤ




ưʪ饫ޥ


狼ʤΥ



԰







ƨ







ȤŤ򼺤äƤ褦ʴޤ顢ҡ

狼ʤΥ

ȤʤäƤפФƤߤƤ



äȡܤˤ빶ʸˤ丽ƨǤϤʤ ١ ٤ɵ᤹褦ˤʤäƤޤ


ơ̤붯ȤˤĤƤޤ



ɤκƻǤ蘆줿ꡢܤäꤹʤŤĻפΤбͤȤޤ褦ˡäƤޤ





ˤ֥ۤ¼ бĥ֥ бůءбǰ


ӥ֥ͥ100

Υȥ꡼ϤƤʥ֥åޡɲ mixiå

2011ǯ0313

ܿͤΥ

ˤϡбǰ󥵥륿Ȥǥꥹޥͥȶ Certified Risk Manager ΥФǤ


̤ͭ维ȤʤäƤޤä̴̺ҡ


维˥ꥢ륿Ѥ줿ˤꡢ˥åޤ


桢ܿͤιưФƾ޻夬äƤ뤽Ǥ


ʵlivedoorΡ֤إʣУΡפˤޤΤǡ˾Ҳ𤵤ĺޤ

********************************************************************************

[ إʣУΡܿͤΥäʸʸ ]


¬˾Ͽ̤ľ̤ܡߤϺΤޤäܿͤιư˾޻夬äƤ롣礤¤ϡϤܿ͸ͭΤΤ⤷ʤĥåޤȤƤꡢưä󤢤ΤǶͭҲ𤷤Ȼפ
νФĤ֤䤭򽸤ޤ

* ǥˡɤǤν
http://twitter.com/unosuke/status/46376846505426944
ǥˡɤǤϡåפΤۻҤʤɤ۵뤵줿äɼܤʽҹɬװʾˤäƤơֲפäưֻפäɡθ夽λҤλҶˤۻҤۤäƤȤƴưҶϢưʤä顢ˤ꤬ۤä

* ϢΥå
http://twitter.com/akitosk/status/46302222346223616
ϢΥȡܤϺޤ˱򤷤ƤϹϢϤܤ롣 ˴ưɤ򤷤äƤΤǤ줬ʤΤǤ

* ڤǤν
http://twitter.com/micakom/status/46264887281848320
Ŀǣ椷˿ʤʤʤƥäɡï⤬礤䤫˱žƤѤ˴ưʣʸǸ̤ʬʾ崰ޥҤ륷⤢äɡ֤δ֤ʳΥ饯β򼪤ˤʤäݤƱ˿ޤ֤ǡܤޤޤˤʤä

* ɤƤǤ⡦
http://twitter.com/gj_neko26/statuses/46394706481004544
ʹäǤӤäꤷΤȤäˡγݡפɤƤˤؤ餺ξ⤤򳫤ͤ錄ΤȻפäľǥꥢⲿ뤫ʬʤΤˡͦʿͤ錄˴ư

* Хǡ
http://twitter.com/yunico_jp/status/46168394755612672
Хʤ桢@saiso ХˤɤǥäƤơ¤ԤäƤͤߤʤۤä

* ǥˡˤ
http://twitter.com/kfstudio/status/46390032776437760
ǥˡ˰񤷤̵̼𤷤ޤ㥹ȤΤߤʤ󤬴ǤдܤƤ԰¤򴶤뤳ȤʤᤴǤɴΥӥˡޡ롦īηڿȰʪĤޤǡǥˡ餷˴ưǤĥäƤ줿㥹Ȥ󡢤ۤȤˤ꤬Ȥ

* ܿͤɤǧ
http://twitter.com/VietL/status/46376383592677376
Ͽ̤äˤʤäơƤܿɤָ줿롣ȺϤͻҤϤʤ礤Χ»Ūܿͤ䤿ͤ¿ġäƸĿŪ˴Ƥɡ¿οͤǡ嫡פᤷĤĤ褦˸ơ줬ʤ󤫴ươ㤱Ƥ롣

* 饤˴ư
http://twitter.com/rabukj8/statuses/46392080842506240
TLƴưߤʤҤȤҤȤ꤬Ѥʾˤͤ˾д褦ȡˤʤäƤ褦ȯäѤǡTLߤʤΥȥФ򸫤ƾд餬ĤǤФʡϤĥ졢礷Ƥͤ󤤤ޤ

* ʥܡ˴ư
http://twitter.com/aquarius_rabbit/status/46213254376210432
ۡԤӤƤ顢ۡ쥹οãߤäʥܡ򤯤줿ĤãϲܤήƤΤˡǤ

* ͤ鸫ܿ
http://twitter.com/kiritansu/status/46335057689980928
ͤ鸫Ͽ̺ҳȿʪ𤷤Ƥ륹ѡǡƤΤΧ˽ۤä¤Ǥʧä㤤ʪ򤹤롣žƳż֤ǺǤΤǥؤʤ뤪ǯꡣθʤ򸫤Ƴͤ礷褦áܡ

* ǥưˤĤ
http://twitter.com/V10CENTAURO/statuses/46388641001508864
ĥåգӣԤǤξͭȡϢưޥߤưϡøϩ̺ҤλȤʪˤʤʤι⤵򴶤롣οɤи򡢤ߤʳ褫ȤƤ봶ư

* ĥå˴ư
http://twitter.com/masahiro22nd/status/46375377395912704
ˤƤ⡢ä᡼ҤʤäǤTwitterζˤϴư 171Ωä󤸤ʤ Ūʰո¿ɡή줿RTΤۤȤɤϤäïο٤Ȳϻפޤ ɬɬפ¦ǷФ

* դ
http://twitter.com/izumi823/statuses/46387948681297920
դ󤿤Ͽ̤Ǥߤʤ˸դ褦ɬޤΥ饹ȤƤ뤳Ȥ˴ưߤʼʬˤǤ뤳Ȥ򤷤ȻפäƤ͡

* BBCƻ
http://twitter.com/bozzo1985/status/46228470614855681
˴ư㤱Ƥ롣BBCäƤ롣ϵǰϿ̤ǰֽ췱줿򽱤äϤܤ롣ϽФ¾ιǤϤʤưϤȤʤܿͤʸŪ˴Ϥ롣

* Ƥιư
http://twitter.com/s_hayatsuki/status/46386255767937024
1˲ϤŤϤޤäƤä򤷤顢ʤTV˼ĤäѤʤƤ鷺Ψ褷ƥ󥻥Ȥȴ˹Ԥäư

* 󤹤ܿ
http://twitter.com/HASUNA_Natsuko/status/46331839136276480
ܿͤʻˤ⻳ۡǤ줤󤷤Ƥ ޡͭĮؤ夫įࡣ http://twitpic.com/48kn1u

* ѥ
http://twitter.com/ayakishimoto/statuses/46403599743451136
桢ؤǵ𤹤ƻ顢ȤäŹѥ󲰤ΤФ̵ǥѥ۵뤷ƤʷΤʤǤ⼫ʬˤǤ뤳ȸĤƼƤͤ˴ưޤäΤƤ󤸤ʤʡ

* ܤäƤ
http://twitter.com/tksksks/statuses/46403815397801984
ܤäν̱֤⡢ǽ褦ȤƤ롣ȥåαž֤ͭʪ񱿤Ǥ餷̤θ䥯󤬤äƤȤäʹǶᡢܤФƸؤƤʤȤ³ƤɡʤȤʤܤľ˴ưƤ롣ܹγĥ

* twitter
http://twitter.com/bobiko009/statuses/46403721046933504
TwitterξȤķ뤷ƤƤޤߤʤ޿ڤǤȤʤ󤫡ưޤǶ϶ȤĤʤä䤿ȤפäƤɤʤȤʤä͡

* ɥĿͤͧã
http://twitter.com/sikkoku_otsuyu/status/46392832893796352
ɥĿͤͧãϿ̤˽ë˵ơѥ˥åˤʤäƤܿͤ˽Ƥä餷λεȤܿͤ٤­¤𤵤Źγ˽ФƤ٤ȤøȤʤѤˤҤɤưޤǥߡΤ褦äȸäƤ

* ѡǤν
http://twitter.com/endless_6/status/46395420523503616
ѡ̵ʪޤ(o Ǥ⤪ҤΤۤȤɤ¾οͤλͤɬ׺¤ʤäΤưޤޡ

* ¾
http://twitter.com/Raaaaayuu/statuses/46392890313801728
ºܤ衣椬쥫ⵡǽƤʤ¾ԤǤ⤪ߤ˥ɥ饤СƱξäƤϸΤ󤪤Ф󤬼꿮äƤƤǡʤư9ֱžƤ֤褦ʥɥ饤СϤ󤤤ʤäߤʾ礤

* ֤ߤʡ
http://twitter.com/n_yum/statuses/46388003706380288
żֱذȤФäɡߤ٤ޤǵʤäꤷƤƤΤˡΩĻʤոդޤǫǡդ˵ƤޤäߤѤ鎣Ȥ"ߤ"äưռ뤳Ȥ˴ư뤷Ѥˤʸ

* ܤζ
http://twitter.com/dita_69/status/46309373458382849
ȥ꡼με̵softbankWi-FiݥåȲʿãϤǴĥäƤƤ˳ưϤƤ롣α꼫ɸ٤餻ꤷƤøϩ̺Ҥκܤϳμ¤˶ˤʤäƤߤʴĥ

* ī
http://twitter.com/kyoheimai/status/46374747755388928
īīǡֲäƤ褷԰¤ʴϸΩİʾϤƤʤ򤹤뵤˺줺ˤͤ¿ƤƤפäȴưФ뤫ŹǤ!

* 夵
http://twitter.com/frankyonn/status/46401442583552000
ͺɧ󤬤ΤǾдΥ饹Ȥ򤤤äѤƤƴư롣ޤȤͦȤåäơȤʤʡȻפ ң@inouetake Smile42. http://twitpic.com/48n11d

* ͤΤ̤
http://twitter.com/Ryunosutake/statuses/46389829486919681
椬˵ǽƤʤäҤǡϼ֤Τ󤿤꿮äƤΤȡ⡼סŤΤ˽ФʤʤäƤ֤ν̱󤿤ֻ夲μäȡͤβˤư

* ؤ
http://twitter.com/chaos_chaotic/statuses/46388646038876160
TLγȻ˾򸫤ƻפäȤϡøϩϿ̤ؤȤȤƤ¿ĥȤƤ뤳ȡΤȤʤɡϤʹ֤ϡؤǹͤ뤳ȤǤʪʤȲƻפư

* ޤ
http://twitter.com/tsubakianna/statuses/46387133396688896
ޤˤͧã᡼롣ޤο͡ϥ˥塼򸫤ʤ餳Τ褦ʾǤŤн褹ܿͤ˴ưºɤǰФʤ顢˿ۤƤȤΤȤǤ

* 򤫤뤳
http://twitter.com/RUMI88LoL/statuses/46342599149240320
΢βȤι⣱ˤʤ뤪˴ư Ȥˣͤǵ錄餷Ͽ̸夹ž֤ӽФҤȲꡣ פǤۤƻϩƨƤãˤҤݤƤλ֤ˤϷͤҤʤä顢ݤƤ줿ǤۥäȤ衣 ꤬Ȥ

* 礤
http://twitter.com/sorry_no_user/statuses/46332985133375488
ͧͲͤĮġַΥܥƥ򤷤ƤΤǼäƤǯ鷺ΤʤƱΤäƤƿääȴưƥȥζǵ㤤

* ХǤ褱
http://twitter.com/hikaru_star/statuses/46332900928532480
ͤϴưޤХȤڤ1ͤǤߤ˴ˡ֥ХǤ褱ޤפȽ񤭱ǷǤпΤޤäǤޤΤƤ󤸤ʤʤäƻפޤºɤǤʬʤ󤫿ͤΩޤƽƻפޤ

* 礤
http://twitter.com/pao313/statuses/46332792174411776
फ饿ȤȻפäΤŤä30ʬ⤤ƤΤʤ֤ͤ˾褻Ƥ줿ʤħա*) ʹ֤ͥ˴ư꤬Ȥޤ

*
http://twitter.com/robasuke23/statuses/46326711935172609
⤤ƵäƷƹýƻظäƤ21餤ʤΤˡӥDzҤȥȵٷƽȤƲƤ꤬äҰǤλݤ⤯ͤƤưƵ㤭ˤʤä䡢϶ĥƤƵ㤱ʤäɡפФƤʤƤ롣

* ӥ
http://twitter.com/sugarun/statuses/46323030732967936
϶ΤۤȤɤŹŹĤƤ桢륻֥󥤥֥ŹêˤĤ֤ơĶȤ򤷤Ƥ쥸Ȥʤ߸˳ǧѤΥϥǥʳǧɤ߾夲⤦1ͤǷ׻⤦ҤȤ꤬ǾȤ餹ξ֤ǥ쥸ưƤư

*
http://twitter.com/msakatan/statuses/46302864980705280
Ĺ勞ͤ˸ˡΤʤãݤ礤򶵤äƤǤʤ䤿ȻפäƤ¾ͤͥ˿졢ưǤܿͤΤȤķϤǧޤޤޤܤΤƤΤǤϤʤǤ

* ƤӤ
http://twitter.com/akanensm/status/46214540161064960
֤⤭³Ƥɡǥȥ줫ޤȤٷƤǤޤȤӥŹäƴưޤȤȥӥοͤܥƥǡžƳǤȤٷƤǤޤäƸƤӤƤθƴưƵ㤭ˤʤäޥwܤΤƤ󤸤ʤ

* ۡˤ
http://twitter.com/masa_kisshie/statuses/46323838316843008
Ա繾θ̹Ԥϡ˺Ƥޤۡˤ⡢γˤ⡢ż֤ԤİФο͡Ǥ⡢ïϩ򳫤ͶƳ˽äƤ롣פ櫓ǤʤΤˡ̤ͤΤϩڡԼʤۤɤβŬˡưФꡣ

* ذ
http://twitter.com/tadakatz/status/46274214654787584
뱿žΥȥαذˡѤǤͤä顢дǡ ʻǤ顪äơΤƤ󤸤ʤ͡ư

* ä
http://twitter.com/sumonya/status/46479563412348928
4֤⤤ƵäƤֱ͡ǿޤ줽ˤʤäƤ֤ѤǤ͡äҡɤפäƶӤʤ̵ۤƤ뤪ä˽вä줬äĥ줿⤦5⤳ä򤷤ƤΤ˴򤷤äȻפä󤢤꤬Ȥ

*
http://twitter.com/NOBCHIDORI/status/46477518169047040
ܤ϶ǤȤθߤϤΰ٤ĶνԤǤߤ̵ƸޤưޤϤǤοɤߤޤ᤺˴ĥäƲ
* űĶ
http://twitter.com/hisyakakukeima/status/46584079558250496
ΥѡߥåȤƤߤ顢̾1ޤDZĶȤʤΤ礭ĤդƤʤäŹĤ᤿ΤȻפä顢ŵäŤĤıĶȤƤäȴư

* ϵ٤ߤ
http://twitter.com/inouenana/status/46593538829451264
ХȤˡ̤²ȤλҤ餷ֺϥХȵ٤ǤäƤ롩׽Ȱ֤狼ޤäǡˤŹ٤ߤäƤ......˴ưäơȤ

* 㤦Τ
http://twitter.com/raai15/status/46546475362160640
Х˼㤤󤿤ĤǤ㤤褿ɡΰͤ٤줪ΤˤäƤƤʤǤ󡣤äȤ㤦ΤäƸäƾʤƤΤ⤷Ƥͧã³⤷ƤƤư

* ĤǤ㤨
http://twitter.com/7474529/status/46565903520907264
Ȣ˶ȱ˥ԥμ㤤ƤƤͧͤˎʤƤĤǤ㤨뤫ʎȸäƤΤʹƻޤοã⤷ƤͤϸܤʤȤ´ʤǤ ôưޤ

* ФޤϤ
http://twitter.com/kyugatimuti/statuses/46594200061493249
ͤ⽩դεˤˤȤߤۤäƤ˲񤤤ޤưޤä֤Ǥ¾οͤˤäƸäɤäƤФ褫äʤФޤäȻפ

* ۻҤäѤ
http://twitter.com/moebamuse/status/46379810217406465
錄äǥˡɤ鵢𤷤ɡʤΤۻޤäѤˤäƤơʬεθôƤ줿äơ桢бƤ줿äơäѤΥǥˡɤʤ͡

* äȤϡ
http://twitter.com/ryoshun49/statuses/46605524434821120
ؤǵԤ桢֤˾äƤ̤ͤ֡ɤפäƹԤäƼ֤˾褻ƤֺäϤߤʰǤ顪פäƸäƤĶưλפФ

* Ť줿ϡ
http://twitter.com/yamachin_x1/statuses/46609620210421760
ˤȤˡҲ1ǯǡǤäˤƤλҤޤ޷ӤΥХåƥ꡼Ƥ餷ΰۤΥ󥻥ȤѤĤ餤ַӤνŤ򤵤줿ϡͳˤĤäƤפȸƤӤƲäƤͤϤλҤˤȤƤⴶư莥


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椬ܤΡ ɤ פ ɡ ɡ ɡ
Ťб˴ưƤäƤޤ


ҡδư˱³褦ŤĻפäưư򿴳ݤΤǤ






ƻطϡ줰⤴Ȥ԰¤ޤäƸդˤ

դ򤷤ä˽椷Ƥޤ褦

´ꤤ夲ޤ



ޤtwitter԰¤褦ȯϤޤ褦

Ťͤޤơꤤ夲ޤ





ˤ֥ۤ¼ бĥ֥ бůءбǰ


ӥ֥ͥ100

Υȥ꡼ϤƤʥ֥åޡɲ mixiå

̴̺ҡϿȤơ

ˤϡбǰ󥵥륿Ȥǥꥹޥͥȶ Certified Risk Manager ΥФǤ


̲Ͽ̡̡Ͽ̡̺ҡ

̾Τ⣲žžޤΣȣˤǤϡ̴̺ҡפȷޤä褦Ǥ

ޤϿ̤εϤ򼨤ޥ˥塼ɤ⡢

̺ͣҡ ͣʵϿ̡ ͣĶϿ̡

ѹ졢̤ͭ维ȤʤäƤޤޤ

͡ޥ˥塼-Wikipedia-

2011ǯ313ˡ̺


ޥ˥塼ɤȤǤꤹʤۤ礭ʤäƤޤäΤϡֻΦסֵܾ븩סʡ縩פΣǡ줾礭Ͽ̤뤫ΤʤפȤθϤƤΤΡܤ̸ϤϢưƵϿ̤ǽˤĤƤϰϳäȤǤ



ҤˤäƤ˴ʤˤʤäƤޤ줿ˡꤴ̽ʡ򤪵꿽夲ޤ

ޤҤˤ߽ԤäƤäޤ󤤤ä㤤ޤΤǡ쥹塼˲ʵ߽ưȤʤΤȻפޤ¤ʵ߽ưԤʤޤ򤪵꿽夲ޤ



ν̸Ǥϡۤ礭ﳲϤޤǤѡ䥳ӥˤѥ䥫å͡񡢴̵ͤʤɤ̵ʤäƤƤޤ

2011ǯ313ˡ̺Ҹ塡ӣԣ٤


2011ǯ313ˡ̺Ҹ塡ӣԣ٤


2011ǯ313ˡ̺Ҹ塡ӣԣ٤


2011ǯ313ˡ̺Ҹ塡ӣԣ٤


2011ǯ313ˡ̺Ҹ塡ӣԣ٤


2011ǯ313ˡ̺Ҹ塡ޥ䤵


ޤ⥬󥹥ɤؤζ뤬ߤޤäƤٶȤƤŹޤĶŹޤǤĹؤȤʤäƤޤ
ʣ




¤夤ưפäư򿴳ݤΤǤ


εϡ̴̺ҸεϿȤƥåפĺޤ





ˤ֥ۤ¼ бĥ֥ бůءбǰ


ӥ֥ͥ100

Υȥ꡼ϤƤʥ֥åޡɲ mixiå

2011ǯ0312

Ͽ

Ϥ褦ޤбǰ󥵥륿Ȥǥꥹޥͥȶ Certified Risk Manager ΥФǤ


ͽΥꥹޥͥȶǯ[ ]ϡϿ̤;̤³Ƥͤΰͥȹͤ顢ߤȤʤޤ


̲Ͽ̢̡Ͽ̢̺Ҥ̾ΤѤä̺ҡ


ҤˤäƤ˴ʤˤʤäƤޤ줿ˡꤴ̽ʡ򤪵꿽夲ޤ


ޤҤˤ߽ԤäƤäޤ󤤤ä褦ǤΤǡ쥹塼˲ʵ߽ưȤʤΤȻפޤ¤ʵ߽ưԤʤޤ򤪵꿽夲ޤ


̺ҤˤĤޤơȤϡ1,000ǯ˰٤εϿ̡סޥ˥塼8.8Ϻ̺ҡʺøϩ̺ҡˤΥޥ˥塼7.3180ܵϤˤʤȤäƤޤ


ʹͤΡ jp Ӥ˾ܤޤΤǡˣáФĺޤ


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̲Ͽֺ̡פΣܵϡģ

ȡ֣ǯˣ١

̲Ͽ̤ϡϿĤǹεϡʥޥ˥塼ɡ͡ˣϿǯ˵̺ҡʣͣˤ󣱣ܤȤȤƤĤʤϿ̡ģˤȡʿβδ긩븩ޤǡʣο̸褬ϢưưϿ̤ˤʤäȤߤ롣ȤϡֻԣͤФѡʤ礦Ͽ̡ʣǯˤɤŨפȻŦ롣

ͣȤϤϡɤۤɤΥѥȤäƤΤ

ϵɽ̤ʤġʥץ졼ȡˤζǤϡ֥ץ졼ȶפȸƤФϿ̤䤹礭ﳲ⤿餷쳤Ͽ̡Ͽ̡Ͽ̤ʤɤϤץ졼ȶģϡ̲Ͽ̤ⳤ¦ʿΥץ졼ȤΦ¦ƥץ졼Ȥβˤ⤰ץ졼ȶǵϿ̤ʬϤ롣

εϤˤʤäΤϡץ졼ȤΤ줬礭äģˤȡ󡢴긩븩ޤǤ󣴣󣲣줿Ȥߤ롣Ͽ̤ϡۤ鰵Ϥطǡ̡̡ˤ˿ʿ˲礦ϤƯ¦ʬ̤˱äƤ夬äʿΤǵץ졼ȶϿ̤ŵŪʥѥǽϿ̸ˡ븩ʡ縩ʤɤǵƤϿ̤;̤ȹͤ롣

ȬͦڶϿ̳ءˤϡ־ʤȤĹʾؤưϺǣ᡼ȥ塣ʡ縩礭ʤҤߤޤäƤȤ⤢ꡢʣΰ褬٤ưȹͤפä

¼֡Ͽ̸궵Ͽ̳ءˤϡܤǵϿ̤ǯȯܾ벭Ͽ̡ʣͣˤΤȡ̸ˤĤäʬꡢϿ̤ΤäˤʤäǽפȻŦ롣

ο̸ζ᤯ˡ˷֤Ƥֵܾ븩Ͽ̡פ̸褬롣ֺ壳ǯȯΨפͽۤƤƱϿ̤εϤϡ֣ͣ١פǡΣͣϤ󣹣ܤˤʤäģϡֵܾ븩Ͽ̸̤˲줿ǽϤ뤬˾ϰϤ˲פʬϤ롣Τ褦ˡϢưƵϿ̤ϡϿ̡ʣǯˡޥȥ鲭Ͽ̡ʣǯˤ롣

Ͽ̤˾ܤ¡̾Ͽ̳ءˤϡ֤ɤŨϿ̤ȤƤϡȤͤĶԡԤФǯΦϿ̡;̤Ĺ³ֱˤʤꡢϤ⾮ʤäƤ̸褬ϰϤʤᡢϤ˱ƶĤפä

Ͽ̤ȤŦϿ̤ϡѣǯȯȵ縦κǶβϤˤȡϿ̤ο̸ϵܾ븩ʡ縩ĹϿ̤εϤϣͣȿꤵ롣ܤϿĴѰΰѰĹϡֺϿ̤ϤϿ̤ǸդФʤϿ̤κ褫⤷ʤǯˣ󵯤뤫ȤϿ̤Ƕϡ쳤Ͽ̤Ͽ̡Ͽ̤ܤޤäƤϿ̤θľ򤷤ƤȤäפä

˸¼ϡ֤Ͽ̤򤭤ä礭ΦϿ̤ǽפȻŦ롣ˤϡǯϿ̡ʣͣˡǯϿ̡ʣͣˤ³Ƶδ֤ˤ룴ǯΦǻϿ̡ʣͣˤƤ롣


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ͤβҤǤϡ紴̳ܽΩäƤä㤤ޤ

ҤƤޤäˡïĤޤǤˡɤΤ褦ˤƼҰβ²ΰݤꡢưäꤹΤˤĤƼᡦʸ񲽤Ұμ̤ư褦˽򤷤Ƥä㤤ޤ

ޤǽƤäʤȤƤ⡢ȥåפǧ˴ؤؼϤޤ



ꥹޥͥȤϡôԤԤʤǤ⡢ȷ³ץꡦ¹ԤǤ⡢ޤƤݸݤǤ⤴ޤ


Ҥ⡢Ұ⡢ͤ⡢ͤ⡢٤Ƥΰθޤ˷Ȥ͡ΰݤͥ褷ǡΤ褦ʺҳΤߤʤ餺̳̾ǤޥʥΥꥹޤŪΤİեʥ󥹤žȤäк򡢴Τߤʤ餺˼¹Բǽʾ֤ˤƤꥹޥͥȤǤ


ɬפˤʤΤȼΩ߻ٱɤΰջ֤䵤ͤǤ


ïǤǤ顢äƤȻפäΤˡפäòΤǤϤʤ

ʬǤ줿֤ϼʬɬס֤ʤϰ¿Ƽʬλ˽椷ƤפäꤲΤǤ

ꤲ줿֤ǤƤס֤ʤϰ¿Ƽʬλ˽椷Ƥפäꤲ֤åܡ򤹤ȼΩ߻ٱɤδܤȤʤޤ


ꥹޥͥȤޤۤƤäʤȿϡ󡢤ˤޤ




Ͽȯľ夫twitter ˤơΥǥƻ䤳ȤФαĶȹĥȤ¿ޤ
ڤʤΤϿͤȤƤΡפɤǤ
򤬤äƤդ򤹤ˡפɤäưư򿴳ݤĺΤǤ



īĹǿ٣Ͽ̤ޤ
٣٤;̤ϤҤäʤ³Ƥ褦ʾ֤Ǥ
٤ȤƤ礭ɤиƤȡ٣٤ɤˤϴƤޤ٤줿ꤹͤޤΤǡɤˤ⡢줰⤪Ĥޤ




ˤ֥ۤ¼ бĥ֥ бůءбǰ


ӥ֥ͥ100

Υȥ꡼ϤƤʥ֥åޡɲ mixiå

2008ǯ0820

ERM2008˹Ԥäޤ5

Фϡбǰ󥵥륿Ȥǥꥹޥͥȶ Certified Risk Manager ΥФǤ


飳֡ӥåȤˤơţңͣŤƤޤ

ꥹޥ͡㡼ȤƤϡäƺǿξ򤷤ƤʤФʤޤΤǡ礤ȲҤˤäƤӥåȤ˸ޤ

ɽƻǿ˽Фơ꤫αؤ˾夬äư(;)


áʤǤϤޤƵ٤ǡ͵Τ褦ǤijǥˡΥ٥Ȥ餷Τ⤢ä褦ǡ꤫ῷؤϤä֤Ƥޤ


Τ꤫ӥåȤ˸ͥåȤǻϿСɤդΤͤС

ӥå


ERMƥ塼2008


ۤáᤤǤͤ˥ߥʡŸؤΥѥȤʤɣåɤȯԤĺޤ





٤ǤSecurity Solution 2008ƱŤƤäơȤäƤŪʴʤΤǤޤ

áߤޤ󡢥ƥδطDzλƤػߤǤΤǡ̿Ϥޤ

®ĺɣåɤˤơ֥ԥԥáפäŸ줹ȡ֥󥿡ץ饤ꥹޥͥȤȣ£ãкΥݥȡפΥߥʡ̥롼ǤäƤޤΤǡǤĺפʤäȻפäƶŤȡդΤͤΩˤʤޤФɤפäͥ򤫤Ʋޤ

꤬Ȥޤ

®ɣåɤǡ֥ԥԥáפä졣

ERMBCP


椫Ǥʬ礤ä餷ߥʡǡ£ã͡£ãФǮäƤä㤤ޤ

ɤΥꥹޥͥôԸˡϡפǤäƤ褦ǡ饤Ȥ԰¤ȯƲäꥹޥ͡㡼λŻȻפäƤȤƤϡ԰¤Ϥ᤿ǥȤǤ

֥ꥹޥͥȤбļԤڤƤΤǼΥꥹޥͥȤ꤯ʤȤʤäȤäȷбļԤ˥ꥹޥͥȤϷбľ塢˽פʤΤȤ狼褦ʤΤʤΤǤ

θդİơʬʤꥻߥʡ򥢥Ȥޤʻǰ



ƤơΥߥʡΤǡ뿩ǤȻפäƥݥݥ⤤ƤȡطǤ礦ʤ餿󤤤äǤͤ

߱ĤҤäʤʤǤ礦ͤ


ʤʤǥݥݥ⤤ƤȡȤäƤѤʥɥ󥯤äεȯ

ߥå


ʤáʤ󤸤
ŤƸȡ

ãϣͣɣ ףԣţҡʥߥå

äƽ񤤤Ƥޤ

ߥå2






ǻפФޤ

Υե奢ŸʡǤͤˤǡꥨ졼̥СǵղžƤޤäƲͤФƤޤä

ӥåȤǤ

Ĥδ֤ˤ顢ӥåȤϥϤˤʤäΤ



ϤȥꥹޥͥȤƤơƥ졼ˤ
ִɻߤΤʳƤ겼

ȤĤΩƤƤޤ




ƤơϥӥåȲΣΥߥʡˤ

أţңͤδ鸫£ã/£ãͤθȺư

ERMδ鸫BCP


ʣʡݣӣϣءˤθΨŪʱѴţңά¹ԤΤȤơ

θΨŪʱѴ


أţңͤؤƻ١ݣţң͹ۤȴݡ

ERMؤƻ


شȤɸŪȤ륦ֹ⤬⤿餹бĴнˡޤ

ֹ⤬⤿餹бĴ


إɾ󥻥ƥȣУãɣģӣӡ

ɾ󥻥ƥ


Υߥʡ֥ԥԥáפäİƻޤ


áߤޤ󡢰ΥߥʡϻĺơäȻܤ̤ƥɥ󤷤ޤ



ޤŪˤϡԥꥹޥͥȤбĤ˳褫ޤ礦ŪƤ¿ʤäƤ褦ǡʤʤǤ
ʤäơţңͤǤ͡


Ǥ⡢ϥ륻åȡʵǽˤäơʬΥطбġ٤ȡإꥹޥͥȡ٤礵褦Ȼߤ⡢ޥɥåȡʳǰۤʤɡˤäơ礷طбġΤΡإꥹޥͥȡ٤˰ռȤǹԤᤤǤɤͤ

⤽إꥹޥͥȡ٤òƥӥͥ򤷤褦Ȼפȡ륻åȤΥ󥵥ơ濴ˤʤǤ礦顢פʤΤǤ礦ͤ

Ǥ⡢夬äꥹޥͥȷײºݤ˱ĤΤϿʹ֤Ǥ顢ޥɥåȤڤʤǤ衪

䡢ˡ

ŪꥹޥͥȤˤϥ줬ɬפǤǤפޤ̤ꡢкѻȾʤΡֻȻĴּ̤ޤȤʿ15ǯ12ˡפˤޤȡȻΤΤ¤ˣθҥ塼ޥ󥨥顼ʿŪװˤˤΤȤʤäƤޤͤ




ߥʡҤ̤İĺơƤŸ֥ԥԥáפä졣


ꥹޥͥȶΥ֡ǥӥͥꥹбĸؤˤ򤷤Ƥ顢ƼҤΥ֡פäȻ



ʤţңͤʤơ£ãС£ãͤȣʡݣӣϣؤŸǤ

ʤʤ֤ΤȳǤͤꥹޥͥȶȳϡ

ţңͤǤ虜虜ꥹ󤫤ʬΥΤˡ򳫤ƤߤФʴǤ


Фꥬåꤷʤ顢ݥݥ⤤ƤУ£ФΥ֡塣

ӣŤȤɣԴϢܤФä¤Ǥơ֣ţңͤʤƴطʤ󤱡פäƻפäνִ֡



᤮ʤ褮ˤޤ

᤮褥ȡ



ǶǤϣӣŤȤɣԷϤбĥ󥵥򤵤륱¿ĤԻ׵Ĥ˻פäƤΤǤ

ʻܤ˸줷ܡ


μϤϤܤǤ

Ż®룹δϤ7ĤΥ



IT󥸥˥ΤλŻ®9δϤ7Υ(ITproBOOKS) (ITpro BOOKs)



ǤϡޤʹߡʬϤξ֣ӣŤϲΡбĥ󥵥뤬դʤΤפʤƻŻޤơȻפޤ


áУ£ФΥ֡Τ͡ǥڥΥåȤĺޤơ꤬Ȥޤ


ˤ֥ۤ¼ бĥ֥ бijؤ

90֤˽񤫤줿бǰޤܸΥ֥
ƥΥƥ: ɡַбǰפ˴ؤ륰
Υդ֥Ž!³ɤ

Υȥ꡼ϤƤʥ֥åޡɲ mixiå

2008ǯ0808

ŪꥹޥͥȤˤϥ줬ɬפǤ5

Фϡꥹޥͥȶ Certified Risk Manager ΥФǤ


ӥåȤˤơţңͣŤޤ

Ǻϡԣţң͡Ūꥹޥͥȡˤˤϥ줬ɬפǤδդꤤޤ


ţң͡Enterprise Risk ManagementˤȤϡŪꥹޥͥȤȤȿΤΥꥹޥͥȤȸΤǡǶΥꥹޥͥȶȳǤιͤˤʤäƤޤ


òꥹޥͥȤʬŪ˹ԤäƤȡŬݤƤʤʤޤ顢ήȻפޤ

ʥ󥯤ˤꤹơбΤȤƤϳ褫ʤäơ¤Ȥ澮Ȥ¿Ǥͤ


㤨У£ӣáʥХ󥹥ȡɡˤƷбķײΩƤ褦ȤƤ⡢Ұʤ˼ͳˤʤ֤⾯ʤʲҤǤϡ̳λ֤ʤФʤʤΤޤ

˥ǥӥͥեȳΤ褦ˤޤ̳λ֤ʤƤ£ӣäƳѤäƤäҤ⤢ޤΤǡƳ򤪹ͤϤϢ͡


ţңͤϡ£ã͡ʻȷ³ޥͥȡˤ⥳ץ饤󥹽⡢¾ζ̳Υꥹ礷ƥݡȥեꥪŬޤΤǤ

ꥹޥå׾ƤΤꥹ񤭽ФΥꥹɾơڸҥꥹȥӤ򤹤Τžͭҥꥹեʥ󥷥󥰡ӤΤŬޤʤꤷƥꥹФƣ£ãζŪкˤĤʤƹԤޤ


ţңͤ£ãͤ˰ܹԤåȤϡŪʼҳꥹʳΥꥹˤܤȤǤ


¤ϾʲҤۤɥꥹ٤㤯ʤ䤹Τǡ̩ʥꥹФȡ̲ꥹɾꥹޥåԥ󥰡£ãΥꥹкɬפˤʤäƤޤ

Ҥξ硢ŪˤϥޥʥΥꥹȯ˵ۼ̳ΥѥƥǤͤ


դ˾ʲҤۤɡʻ򤷤Ƥ̵֤Ǥ礦

ʲҤǤϡȤΤ褦˻Ū¿;͵ΤҰƤޤ󤷡ȤΤ褦˹⤤󥵥ƥ󥰥եʧäƳȤˤꤤ;͵̵Ǥ礦



ʾʲҤǤţңͤƳľ꤯ţңͤѽƤ褦ʸ̤ȯΤĤΥǤ


βʹѡ٤ˤطбǰ٤𼴤Ȥطбķײ٤Ǥ


βʹѡ٤ˤطбǰ٤ϡԤȿ餳󶡤뾦ʤ䥵ӥΡ¸߲͡١ܡղò͡٤򡢤ɤʤͤФ󶡤ˤꡢΤͤˤɤΤ褦˴Ǥդ򤪵ͤ衢ҰС狼䤹ޤȤ᤿ΤǤ


Ρطбǰ٤ˡضġ٤ãΡطбǰ̤λŻ򤷤ȶפäƼҰСȤʤޤ

ˡطбǰ٤ǽ׻뤷ƤСҰСιϤ줽ʤޤ


ñ˸ȡԤͤΤˡȿ餳󶡤뾦ʤ䥵ӥ󶡤³͡դȿबΤǤ

ҰСҤȤͤԤͤΤˡȿ餳󶡤뾦ʤ䥵ӥ󶡤³դˡؿǮ٤ƻŻ򤷤ޤΤǡѥ졼Ȥˡ§ʣˡ§Ȥˡ§ƱǤˤæѤǽǤ


ޤʤˤФääƤȡָդǤʻʤñɡºݤˤϤʴñ˹ԤʤפʤƤʹޤ


Τ˴ñǤϤޤ

βʹѡ٤ˤطбǰ٤ǽ׻뤷ͻͲݤɤΤ褦Ȥ߾夲뤫ѤʳǤɤΤ褦Ȥ߹फȤäȤäƤڤǤꡢƳľˤϼҰСν꤬㤷ʤ⤢ޤͤ


ȤǽŪͥʼҰСƤ褦ʻˤʤäȤƤ⡢ĹŪ˸УţңͤͭȤ狼ޤ

ΤʤСꥹȥҲڸӤºݤ˸ǹԤΤϼҰСǤꥹեʥ󥷥󥰡ҰžͭӤ򤹤٤ꥹ˴ؤƤҰСͿʤꥹϤۤȤɤʤǤ


кѻȾʤΡֻȻĴּ̤ޤȤʿ15ǯ12ˡפˤޤȡȻΤΤ¤ˣθҥ塼ޥ󥨥顼ʿŪװˤˤΤȤʤäƤޤ

餷£ãСʻȷ³ײˤ夬äȤƤ⡢ѤƤҰСҤȤͤԤͤΤˡȿ餳󶡤뾦ʤ䥵ӥ󶡤³դʤƻμǡϡԼʬεǡ˹⤯뤫ȤդФͤƤС餷ײ褬ǽʤ⤢ΤǤ

Լʬεǡ˹⤯뤫Ȥդ١κǤСȿǤɬʤޤ¾μҰСϹ⤤򾡤ŨФطȤʤޤʧäƤʤͤϤͤȤפʤǤ礦

ʤäƤޤȡȿΤΥꥹʤƴؿ̵ʤäƤޤΤǤ

Լʬεǡ˹⤯뤫ȤդŻ뤷Ƥޤ顢ʤλؼ̿ˤϽޤؿǮ٤ϹƤޤ

ؿǮ٤ƤʤŻˤϡߥĤΤǤ

ơʥߥθΤԸդǤ


ǶǤϡض٤٤Τ˥ߥɤޤǤơ󤲶β̤Ƥ˼ҰСǤ򲡤դ褦ʡԸդ򤹤бļԤ⸽Ƥ뤯餤Ǥ


ʻͤƤߤƤ⡢ǡ˥ޥʥΥꥹˤŪװ򸺤餹ڤʤΤ狼ꤤǤ礦


ҰСҤȤͤԤͤΤˡȿ餳󶡤뾦ʤ䥵ӥ󶡤³դˡؿǮ٤ƤСȯŪǽưŪȿǤ礦

ȿʤСԤͤΤ˾ʤ䥵ӥ󶡤³դʤʤޤͤ

ԤͤΤˡȿ餳󶡤뾦ʤ䥵ӥ󶡤³դˡΩҤȤͤμҰСߤ˻ٱ礷ʤĹƤȿǤСȿμưޤƤȤǤ礦



ʲҤǤţңͤƳľ꤯ţңͤѽƤ褦ʸ̤ԤʤСĤΥǤ

βʹѡ٤ˤطбǰ٤𼴤Ȥطбķײ٤Ǥ

ȻΤθΣ󤬥ҥ塼ޥ󥨥顼ʿŪװˤǤꡢ£ãͤˤƤţңͤˤƤˤƤ⡢ºݤ˴ĤΤϿʹ֤Ǥ

ʤͿͿ򰻤ͻȤƤ֤鲼ơϤˤäδ򤷤褦ȤƤ⡢ɬĤߤޤޤ

Τʤ顢ñ˷ʤΤϷǤݤΤݤǤ

ϤϤäƤͤȤºɽʤ褦ʿͤλؼ̿ˡ䤤ݤȻפʤ⤷äȽ褦ʿʹ֤ϤʤǤ礦

餷ʹäꥹΤͤФǹƤȿǤ̤Ǥšš


ǤС䤤ȤݤȻפʤ褦ˤƻǤ礦


Ǥ顢ȿΤŪǤطбǰ٤ȼҰСҤȤͤλŻŪפƤ֤ΥꥹޥͥȤˤʤΤǤ

ȿΤŪȼҰСҤȤͤŪפϡץ饹ΥꥹޥʥΥꥹ⡢ɤˤͭƯޤ



ض٤ظϡ٤ȤäϤˤȿλϽޤ

βʹѡ٤ˤطбǰ٤ˤꡢȿΤŪȼҰСҤȤͤŪ첽ޤļư줿ȿ¤ˤĤʤΤǤ͡



ǡ硣

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פ夲

Ԥ

ˤ褦

طбǰ

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夬褦ǡ



ˤ֥ۤ¼ бĥ֥ бijؤ

90֤˽񤫤줿бǰޤܸΥ֥
ƥΥƥ: ɡַбǰפ˴ؤ륰
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