{"id":277,"date":"2021-09-11T21:21:48","date_gmt":"2021-09-11T12:21:48","guid":{"rendered":"https:\/\/1up-life.blog\/?p=277"},"modified":"2021-09-25T16:04:36","modified_gmt":"2021-09-25T07:04:36","slug":"%e3%80%90%e5%92%8c%e8%a8%b3%e3%80%91upstart-holdings-inc-nasdaqupst2021%e5%b9%b4%e7%ac%ac2%e5%9b%9b%e5%8d%8a%e6%9c%9f%e6%b1%ba%e7%ae%97%e8%aa%ac%e6%98%8e%e4%bc%9a%ef%bc%88%e3%82%ab%e3%83%b3","status":"publish","type":"post","link":"https:\/\/1up-life.blog\/?p=277","title":{"rendered":"\u3010\u548c\u8a33\u3011Upstart Holdings, Inc. (NASDAQ:UPST)2021\u5e74\u7b2c2\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a\uff08\u30ab\u30f3\u30d5\u30a1\u30ec\u30f3\u30b9\u30b3\u30fc\u30eb\uff09"},"content":{"rendered":"

Upstart Holdings, Inc. (NASDAQ:UPST)<\/b>2021\u5e74\u7b2c2\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a\u306e\u65e5\u672c\u8a9e\u8a33\u3067\u3059\u3002<\/b><\/p>\n

\u8aa4\u8a33\u304c\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u306e\u3067\u53c2\u8003\u7a0b\u5ea6\u3067\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/b><\/p>\n

Upstart Holdings, Inc. (NASDAQ:UPST)<\/b>2021\u5e74\u7b2c2\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a<\/b><\/p>\n

2021\u5e748\u670810\u65e5 4:30 p.m. (\u7c73\u56fd\u6771\u90e8\u6642\u9593)<\/b><\/p>\n

 <\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/b><\/p>\n

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 <\/p>\n

\u30c7\u30a4\u30d6\u30fb\u30b8\u30ed\u30a2\u30fc\u30eb — \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/b><\/p>\n

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 <\/p>\n

\u5f53\u793e\u306e\u7b2c2\u56db\u534a\u671f\u306e\u58f2\u4e0a\u9ad8\u306f\u3001\u524d\u56db\u534a\u671f\u6bd460\uff05\u5897\u306e1\u51049,400\u4e07\u30c9\u30eb\u306b\u6210\u9577\u3057\u307e\u3057\u305f\u30026\u6708\u306f\u3001\u5f53\u793e\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306710\u4e07\u4ef6\u4ee5\u4e0a\u306e\u30ed\u30fc\u30f3\u306810\u5104\u30c9\u30eb\u4ee5\u4e0a\u306e\u30aa\u30ea\u30b8\u30cd\u30fc\u30b7\u30e7\u30f3\u91cf\u3092\u9054\u6210\u3057\u305f\u6700\u521d\u306e\u6708\u3067\u3057\u305f\u3002\u307e\u305f\u3001\u8abf\u6574\u5f8c\u306eEBITDA\u306f5,950\u4e07\u30c9\u30eb\u3001GAAP\u30d9\u30fc\u30b9\u306e\u7d14\u5229\u76ca\u306f3,730\u4e07\u30c9\u30eb\u3068\u306a\u308a\u3001\u8a18\u9332\u7684\u306a\u5229\u76ca\u3092\u9054\u6210\u3059\u308b\u3068\u3068\u3082\u306b\u3001\u3053\u306e\u3088\u3046\u306a\u6210\u9577\u3092\u5b9f\u73fe\u3057\u307e\u3057\u305f\u3002\u307e\u305f\u3001\u5f53\u793e\u306e\u53ce\u76ca\u306e97\uff05\u4ee5\u4e0a\u304c\u9280\u884c\u304b\u3089\u306e\u624b\u6570\u6599\u307e\u305f\u306f\u30ed\u30fc\u30f3\u306e\u30b5\u30fc\u30d3\u30b7\u30f3\u30b0\u3067\u3042\u308a\u3001\u5f53\u793e\u306e\u30d0\u30e9\u30f3\u30b9\u30b7\u30fc\u30c8\u306b\u306f\u30af\u30ec\u30b8\u30c3\u30c8\u30a8\u30af\u30b9\u30dd\u30fc\u30b8\u30e3\u30fc\u3084\u9700\u8981\u304c\u5168\u304f\u306a\u3044\u3053\u3068\u3082\u559c\u3070\u3057\u3044\u3053\u3068\u3067\u3059\u3002<\/b><\/p>\n

 <\/p>\n

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 <\/p>\n

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 <\/p>\n

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 <\/p>\n

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 <\/p>\n

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 <\/p>\n

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 <\/p>\n

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 <\/p>\n

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 <\/p>\n

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 <\/p>\n

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 <\/p>\n

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 <\/p>\n

\u7b2c\u4e8c\u306b\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u4e16\u754c\u3067\u306f\u3001\u3069\u3053\u3067\u3082\u4ed5\u4e8b\u304c\u3067\u304d\u308b\u74b0\u5883\u3078\u306e\u79fb\u884c\u304c\u6570\u5e74\u5358\u4f4d\u3067\u9032\u3093\u3067\u3044\u308b\u3068\u611f\u3058\u3066\u304a\u308a\u3001\u79c1\u305f\u3061\u306f\u305d\u306e\u6d41\u308c\u306b\u5148\u3093\u3058\u305f\u3044\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u30023\u3064\u76ee\u306f\u3001\u30aa\u30d5\u30a3\u30b9\u3067\u306e\u4ed5\u4e8b\u306e\u30e1\u30ea\u30c3\u30c8\u306f\u3001\u6708\u306b\u6570\u65e5\u3001\u3088\u304f\u8003\u3048\u3066\u4e00\u7dd2\u306b\u904e\u3054\u3059\u3060\u3051\u3067\u5f97\u3089\u308c\u308b\u3068\u4fe1\u3058\u3066\u3044\u308b\u304b\u3089\u3067\u3059\u3002\u305d\u3057\u30664\u3064\u76ee\u306f\u3001\u79c1\u305f\u3061\u306e\u91ce\u671b\u306e\u898f\u6a21\u3068\u3001\u305d\u306e\u76ee\u6a19\u3092\u7a4d\u6975\u7684\u306b\u8ffd\u6c42\u3059\u308b\u305f\u3081\u306b\u5fc5\u8981\u306a\u4eba\u6750\u3092\u8003\u3048\u308b\u3068\u3001\u65e5\u672c\u5168\u56fd\u306e\u4eba\u6750\u3092\u6d3b\u7528\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u5e78\u3044\u306a\u3053\u3068\u306b\u3001Digital First\u306f\u79c1\u305f\u3061\u306e\u63a1\u7528\u6d3b\u52d5\u306b\u3059\u3050\u306b\u5229\u76ca\u3092\u3082\u305f\u3089\u3057\u307e\u3057\u305f\u3002<\/b><\/p>\n

 <\/p>\n

\u3053\u306e\u8a08\u753b\u3092\u767a\u8868\u3057\u305f\u306e\u306f2\u30f5\u6708\u524d\u3067\u3059\u304c\u3001\u3053\u3053\u6570\u9031\u9593\u306e\u5185\u5b9a\u8005\u306e3\u5206\u306e1\u4ee5\u4e0a\u306f\u3001\u5f53\u793e\u306e\u62e0\u70b9\u4ee5\u5916\u306e\u5019\u88dc\u8005\u3067\u3057\u305f\u3002\u307e\u305f\u3001\u3053\u308c\u3089\u306e\u30aa\u30d5\u30a1\u30fc\u306b\u5bfe\u3059\u308b\u627f\u8afe\u7387\u306f80\uff05\u306b\u9054\u3057\u3001\u3053\u308c\u307e\u3067\u3068\u6bd4\u3079\u3066\u5287\u7684\u306a\u6539\u5584\u304c\u898b\u3089\u308c\u307e\u3057\u305f\u3002\u30c7\u30b8\u30bf\u30eb\u30d5\u30a1\u30fc\u30b9\u30c8\u306f\u3001\u3053\u306e1\u5e74\u534a\u306e\u53cd\u52d5\u3060\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3053\u308c\u306f\u3001\u4e16\u754c\u3067\u6700\u3082\u5927\u304d\u304f\u3001\u6700\u3082\u5f71\u97ff\u529b\u306e\u3042\u308b\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u4f01\u696d\u306e\u3072\u3068\u3064\u3092\u76ee\u6307\u3059\u3068\u3044\u3046\u610f\u601d\u8868\u793a\u3067\u3082\u3042\u308a\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u79c1\u305f\u3061\u306f\u3001\u7269\u7406\u7684\u306b\u3060\u3051\u3067\u306a\u304f\u3001\u8ad6\u7406\u7684\u306b\u3082\u5206\u6563\u3057\u3001\u8907\u6570\u306e\u5e02\u5834\u3084\u30d3\u30b8\u30cd\u30b9\u30c1\u30e3\u30f3\u30b9\u3092\u540c\u6642\u306b\u8ffd\u6c42\u3067\u304d\u308b\u4f01\u696d\u3092\u76ee\u6307\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u306b\u306f\u3001\u512a\u308c\u305f\u4eba\u6750\u3068\u30ea\u30fc\u30c0\u30fc\u30b7\u30c3\u30d7\u304c\u5fc5\u8981\u3067\u3059\u3002\u305d\u3057\u3066\u3001\u30c7\u30b8\u30bf\u30eb\u30d5\u30a1\u30fc\u30b9\u30c8\u306b\u3088\u3063\u3066\u3001\u3069\u3053\u306b\u3044\u3066\u3082\u305d\u306e\u3088\u3046\u306a\u4eba\u6750\u3092\u898b\u3064\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002\u30c7\u30b8\u30bf\u30eb\u30d5\u30a1\u30fc\u30b9\u30c8\u306f\u3001\u3069\u3053\u306b\u3044\u3066\u3082\u4eba\u6750\u3092\u78ba\u4fdd\u3059\u308b\u306e\u306b\u5f79\u7acb\u3064\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u4eba\u6750\u3092\u5f15\u304d\u7559\u3081\u308b\u306e\u306f\u5f53\u793e\u306e\u6587\u5316\u3068\u4f7f\u547d\u3067\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u5f53\u793e\u306f\u3001\u6700\u3082\u56f0\u96e3\u306a\u554f\u984c\u306e\u3072\u3068\u3064\u3067\u3042\u308b\u91d1\u878d\u5305\u6442\u3092\u89e3\u6c7a\u3059\u308b\u305f\u3081\u306b\u3001\u6700\u65b0\u306e\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3067\u3042\u308b\u4eba\u5de5\u77e5\u80fd\u3092\u69cb\u7bc9\u3057\u3088\u3046\u3068\u3059\u308b\u4eba\u305f\u3061\u306b\u3068\u3063\u3066\u3001\u6700\u9069\u306a\u96c7\u7528\u4e3b\u3068\u306a\u308b\u3053\u3068\u3092\u76ee\u6307\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3092\u5b9f\u73fe\u3059\u308b\u305f\u3081\u306b\u306f\u3001\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8\u306f\u3001\u6bd4\u985e\u306e\u306a\u3044\u30ad\u30e3\u30ea\u30a2\u306e\u6210\u9577\u3092\u7d4c\u9a13\u3057\u306a\u304c\u3089\u4e16\u754c\u306b\u771f\u306e\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u3053\u3068\u3092\u904b\u547d\u3065\u3051\u3089\u308c\u305f\u4eba\u3005\u306e\u305f\u3081\u306e\u76ee\u7684\u5730\u3068\u306a\u308b\u4f01\u696d\u3068\u3057\u3066\u5e83\u304f\u8a8d\u77e5\u3055\u308c\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002\u3053\u306e\u30c6\u30fc\u30de\u3067\u306f\u3001\u5148\u65e5\u3001\u30b9\u30c6\u30fc\u30c8\u30fb\u30b9\u30c8\u30ea\u30fc\u30c8\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u30ba\u793e\u306e\u30b8\u30a7\u30f3\u30c0\u30fc\u30fb\u30c0\u30a4\u30d0\u30fc\u30b7\u30c6\u30a3\u30fb\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u306b\u63a1\u7528\u3055\u308c\u3001\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8\u304c\u30ea\u30fc\u30c0\u30fc\u30b7\u30c3\u30d7\u3092\u767a\u63ee\u3059\u308b\u5973\u6027\u306b\u3068\u3063\u3066\u7c73\u56fd\u306e\u30c8\u30c3\u30d7\u4f01\u696d\u306e1\u3064\u3067\u3042\u308b\u3053\u3068\u304c\u8a55\u4fa1\u3055\u308c\u307e\u3057\u305f\u3002<\/b><\/p>\n

 <\/p>\n

SHE\u3068\u3044\u3046\u30c6\u30a3\u30c3\u30ab\u30fc\u3067\u53d6\u5f15\u3055\u308c\u3066\u3044\u308b\u3053\u306e\u4e0a\u5834\u6295\u8cc7\u4fe1\u8a17\u306f\u3001\u591a\u69d8\u6027\u3068\u5f37\u529b\u306a\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u304c\u4e21\u7acb\u3059\u308b\u3053\u3068\u3092\u793a\u3059\u306e\u306b\u5f79\u7acb\u3061\u307e\u3059\u3002\u6b74\u53f2\u3092\u632f\u308a\u8fd4\u308b\u3068\u3001\u6fc0\u52d5\u306e\u6642\u4ee3\u306b\u306f\u3001\u6b21\u4e16\u4ee3\u306e\u4f01\u696d\u304c\u751f\u307e\u308c\u308b\u80cc\u666f\u304c\u3042\u308b\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3059\u3002\u904e\u53bb18\u30f6\u6708\u9593\u306f\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8\u306b\u3068\u3063\u3066\u307e\u3055\u306b\u305d\u306e\u3088\u3046\u306a\u6642\u671f\u3067\u3057\u305f\u304c\u3001\u5f53\u793e\u306e\u30c1\u30fc\u30e0\u306f\u305d\u306e\u6311\u6226\u306b\u7acb\u3061\u5411\u304b\u3044\u307e\u3057\u305f\u3002\u79c1\u305f\u3061\u306f\u3001\u5f37\u529b\u3067\u53ce\u76ca\u6027\u306e\u9ad8\u3044\u30b3\u30a2\u3092\u69cb\u7bc9\u3057\u3001\u305d\u3053\u304b\u3089\u4eca\u5f8c\u6570\u30f6\u6708\u3001\u6570\u5e74\u306e\u3046\u3061\u306b\u3044\u304f\u3064\u304b\u306e\u65b0\u88fd\u54c1\u3084\u65b0\u30b5\u30fc\u30d3\u30b9\u3092\u7acb\u3061\u4e0a\u3052\u308b\u3053\u3068\u3092\u671f\u5f85\u3057\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

AI\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u306f\u4eca\u5f8c10\u5e74\u9593\u3067\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u3092\u5909\u9769\u3057\u3066\u3044\u304d\u307e\u3059\u304c\u3001\u79c1\u305f\u3061\u306f\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8\u3092\u305d\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u306e\u4ee3\u540d\u8a5e\u3068\u3059\u308b\u3053\u3068\u3092\u76ee\u6307\u3057\u3066\u3044\u307e\u3059\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u305d\u308c\u3067\u306f\u3001\u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005\u306e\u30b5\u30f3\u30b8\u30a7\u30a4\u304b\u3089\u3001\u7b2c2\u56db\u534a\u671f\u306e\u696d\u7e3e\u3068\u30ac\u30a4\u30c0\u30f3\u30b9\u306b\u3064\u3044\u3066\u8aac\u660e\u3055\u305b\u3066\u3044\u305f\u3060\u304d\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u30b5\u30f3\u30b8\u30a7\u30a4\uff1f<\/b><\/p>\n

\u30b5\u30f3\u30b8\u30a7\u30a4\u30fb\u30c0\u30c3\u30bf — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u672c\u65e5\u306f\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u65e9\u901f\u3067\u3059\u304c\u3001\u76f4\u8fd1\u306e\u56db\u534a\u671f\u696d\u7e3e\u306b\u3064\u3044\u3066\u3054\u8aac\u660e\u3057\u307e\u3059\u3002\u7b2c2\u56db\u534a\u671f\u306e\u58f2\u4e0a\u9ad8\u306f1\u51049,400\u4e07\u30c9\u30eb\u3067\u3001\u524d\u56db\u534a\u671f\u6bd4\u306760\uff05\u5897\u52a0\u3057\u307e\u3057\u305f\u3002\u306a\u304a\u3001\u5f53\u56db\u534a\u671f\u306e\u640d\u76ca\u306e\u524d\u5e74\u540c\u671f\u6bd4\u6210\u9577\u7387\u306f\u3001\u6628\u5e74\u306e\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306e\u5f71\u97ff\u304c\u4e00\u5de1\u3057\u305f\u3053\u3068\u306b\u3088\u308a\u3001\u3059\u3079\u30661,000\uff05\u3092\u5927\u304d\u304f\u4e0a\u56de\u3063\u3066\u3044\u308b\u305f\u3081\u3001\u8a18\u8f09\u3092\u7701\u7565\u3055\u305b\u3066\u3044\u305f\u3060\u304d\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

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 <\/p>\n

\u904e\u53bb\u306e\u6c7a\u7b97\u8aac\u660e\u4f1a\u3067\u3082\u304a\u8a71\u3057\u305f\u3088\u3046\u306b\u3001\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u304a\u3088\u3073\u30aa\u30da\u30ec\u30fc\u30b7\u30e7\u30f3\u3078\u306e\u6295\u8cc7\u3092\u52a0\u901f\u3055\u305b\u308b\u4e2d\u3067\u3001\u3053\u306e\u8ca2\u732e\u5229\u76ca\u7387\u306e\u6c34\u6e96\u306f\u4eca\u5f8c\u6570\u56db\u534a\u671f\u306e\u9593\u306b\u7de9\u3084\u304b\u306b\u4f4e\u4e0b\u3057\u3066\u3044\u304f\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u7b2c2\u56db\u534a\u671f\u306e\u55b6\u696d\u8cbb\u7528\u306f1\u51045,800\u4e07\u30c9\u30eb\u3067\u3001\u524d\u56db\u534a\u671f\u6bd4\u306749\uff05\u3001\u682a\u5f0f\u30d9\u30fc\u30b9\u306e\u5831\u916c\u306e\u5f71\u97ff\u3092\u9664\u304f\u3068\u524d\u56db\u534a\u671f\u6bd4\u306740\uff05\u5897\u52a0\u3057\u307e\u3057\u305f\u3002\u6280\u8853\u30fb\u7814\u7a76\u958b\u767a\u3078\u306e\u6295\u8cc7\u306f\u5f15\u304d\u7d9a\u304d\u512a\u5148\u4e8b\u9805\u3067\u3042\u308a\u3001\u524d\u56db\u534a\u671f\u6bd466\uff05\u5897\u306e3,100\u4e07\u30c9\u30eb\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u7b2c2\u56db\u534a\u671f\u306e\u4e00\u822c\u7ba1\u7406\u8cbb\u306f\u3001\u58f2\u4e0a\u9ad8\u306b\u6bd4\u3079\u3066\u6210\u9577\u304c\u9045\u304f\u3001\u524d\u56db\u534a\u671f\u6bd429\uff05\u5897\u306e2,600\u4e07\u30c9\u30eb\u3068\u306a\u308a\u307e\u3057\u305f\u3002<\/b><\/p>\n

 <\/p>\n

\u305d\u306e\u4ed6\u306e\u8cbb\u7528\u30ab\u30c6\u30b4\u30ea\u30fc\u3067\u3042\u308b\u55b6\u696d\u30fb\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u304a\u3088\u3073\u9867\u5ba2\u696d\u52d9\u306f\u3001\u53ce\u76ca\u306e\u5897\u52a0\u3092\u652f\u3048\u308b\u5909\u52d5\u8cbb\u306e\u5897\u52a0\u304c\u4e3b\u306a\u8981\u56e0\u3067\u3059\u3002\u4eca\u5f8c3\u301c4\u56db\u534a\u671f\u306f\u3001\u30a8\u30f3\u30b8\u30cb\u30a2\u30ea\u30f3\u30b0\u304a\u3088\u3073\u81ea\u52d5\u8eca\u5546\u53d6\u5f15\u5411\u3051\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u300cProdigy\u300d\u306eGo-to-Market\u6a5f\u80fd\u306e\u62e1\u5927\u306b\u5411\u3051\u305f\u5927\u898f\u6a21\u306a\u6295\u8cc7\u3092\u691c\u8a0e\u3057\u3066\u3044\u308b\u305f\u3081\u3001\u56fa\u5b9a\u8cbb\u306e\u652f\u51fa\u304c\u4e00\u6642\u7684\u306b\u52a0\u901f\u3059\u308b\u3068\u4e88\u60f3\u3057\u3066\u3044\u307e\u3059\u3002\u5f53\u56db\u534a\u671f\u306eGAAP\u30d9\u30fc\u30b9\u306e\u7d14\u5229\u76ca\u306f3,730\u4e07\u30c9\u30eb\u3067\u3001\u524d\u56db\u534a\u671f\u306e1,010\u4e07\u30c9\u30eb\u304b\u3089\u5897\u52a0\u3057\u3001\u524d\u5e74\u540c\u671f\u306e620\u4e07\u30c9\u30eb\u306e\u30de\u30a4\u30ca\u30b9\u304b\u3089\u3082\u6539\u5584\u3057\u307e\u3057\u305f\u3002\u682a\u5f0f\u30d9\u30fc\u30b9\u306e\u5831\u916c\u3092\u8abf\u6574\u3057\u305f\u8abf\u6574\u5f8cEBITDA\u306f\u3001\u7b2c2\u56db\u534a\u671f\u306b5,950\u4e07\u30c9\u30eb\u3068\u306a\u308a\u3001\u524d\u671f\u306e2,100\u4e07\u30c9\u30eb\u30012020\u5e74\u7b2c2\u56db\u534a\u671f\u306e\u30de\u30a4\u30ca\u30b9310\u4e07\u30c9\u30eb\u304b\u3089\u5897\u52a0\u3057\u307e\u3057\u305f\u3002<\/b><\/p>\n

 <\/p>\n

\u307e\u305f\u3001\u5e0c\u8584\u5316\u5f8c\u306e\u52a0\u91cd\u5e73\u5747\u682a\u5f0f\u65709,480\u4e07\u682a\u306b\u57fa\u3065\u304f\u7b2c2\u56db\u534a\u671f\u306e\u8abf\u6574\u5f8c1\u682a\u5f53\u305f\u308a\u5229\u76ca\u306f0.62\u30c9\u30eb\u3067\u3057\u305f\u3002\u8cb8\u501f\u5bfe\u7167\u8868\u306b\u76ee\u3092\u5411\u3051\u3066\u307f\u307e\u3057\u3087\u3046\u3002\u5f53\u56db\u534a\u671f\u306e\u5236\u9650\u4ed8\u304d\u304a\u3088\u3073\u7121\u5236\u9650\u306e\u73fe\u91d1\u6b8b\u9ad8\u306f6\u51041,800\u4e07\u30c9\u30eb\u3067\u3001\u524d\u56db\u534a\u671f\u672b\u306e3\u51043,600\u4e07\u30c9\u30eb\u304b\u3089\u5897\u52a0\u3057\u307e\u3057\u305f\u3002\u3053\u306e\u6b8b\u9ad8\u306f\u30014\u670813\u65e5\u306b\u5b8c\u4e86\u3057\u305f\u30d5\u30a9\u30ed\u30fc\u30aa\u30f3\u682a\u5f0f\u516c\u52df\u306e\u7d50\u679c\u3001\u5f15\u53d7\u5272\u5f15\u3092\u63a7\u9664\u3057\u305f2\u51046,500\u4e07\u30c9\u30eb\u306e\u8ffd\u52a0\u8cc7\u91d1\u3092\u8abf\u9054\u3057\u305f\u3053\u3068\u3001\u306a\u3089\u3073\u306b\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30bf\u30fc\u30e0\u30ed\u30fc\u30f3\u304a\u3088\u3073\u30ea\u30dc\u30eb\u30d3\u30f3\u30b0\u30cd\u30c3\u30c8\u8a2d\u5099\u306e\u5b8c\u5168\u306a\u8fd4\u6e08\u3092\u53cd\u6620\u3057\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

\u30ed\u30fc\u30f3\u8cc7\u7523\u306b\u3064\u3044\u3066\u306f\u3001\u30ed\u30fc\u30f3\u3001\u30ce\u30fc\u30c8\u3001\u6b8b\u4f59\u8ca1\u7523\u306e\u5408\u8a08\u6b8b\u9ad8\u304c9,530\u4e07\u30c9\u30eb\u3068\u306a\u308a\u3001\u524d\u5e74\u540c\u671f\u306e7,320\u4e07\u30c9\u30eb\u304b\u3089\u5897\u52a0\u3057\u3001\u524d\u5e74\u540c\u671f\u672b\u306e1\u51044,800\u4e07\u30c9\u30eb\u304b\u3089\u6e1b\u5c11\u3057\u307e\u3057\u305f\u3002\u3053\u308c\u307e\u3067\u8ff0\u3079\u3066\u304d\u305f\u3088\u3046\u306b\u3001\u3053\u308c\u3089\u306e\u8cb8\u4ed8\u8cc7\u7523\u306f\u3001\u5f53\u793e\u304c\u4fe1\u7528\u30ea\u30b9\u30af\u306b\u76f4\u63a5\u3055\u3089\u3055\u308c\u3066\u3044\u308b\u90e8\u5206\u306e\u7dcf\u4f53\u3067\u3059\u3002\u6b21\u306b\u3001\u77ed\u671f\u7684\u304a\u3088\u3073\u901a\u671f\u306e\u898b\u901a\u3057\u306b\u3064\u3044\u3066\u8aac\u660e\u3057\u307e\u3059\u3002\u8ca2\u732e\u5229\u76ca\u7387\u306f\u5f15\u304d\u7d9a\u304d\u4e88\u60f3\u3055\u308c\u308b\u30c8\u30ec\u30f3\u30c9\u30e9\u30a4\u30f3\u3092\u308f\u305a\u304b\u306b\u4e0a\u56de\u3063\u3066\u304a\u308a\u3001\u4eca\u5f8c\u6570\u56db\u534a\u671f\u306b\u308f\u305f\u3063\u3066\u82e5\u5e72\u306e\u7e2e\u5c0f\u3092\u898b\u8fbc\u3093\u3067\u3044\u307e\u3059\u304c\u3001\u5e74\u521d\u306b\u4e88\u6e2c\u3057\u305f\u3088\u308a\u3082\u5229\u76ca\u7387\u306e\u4e0a\u6607\u304c\u6301\u7d9a\u3059\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u3053\u308c\u3092\u8e0f\u307e\u3048\u3001\u7b2c3\u56db\u534a\u671f\u306e\u58f2\u4e0a\u9ad8\u306f\u3001\u4e2d\u9593\u70b9\u3067\u524d\u5e74\u540c\u671f\u6bd4221\uff05\u5897\u306e2\u5104500\u4e07\u30c9\u30eb\u304b\u30892\u51041,500\u4e07\u30c9\u30eb\u3001\u5bc4\u4e0e\u7387\u306f\u7d0445\uff05\u3001\u7d14\u5229\u76ca\u306f1,800\u4e07\u30c9\u30eb\u304b\u30892,200\u4e07\u30c9\u30eb\u3001\u8abf\u6574\u5f8c\u7d14\u5229\u76ca\u306f2,800\u4e07\u30c9\u30eb\u304b\u30893,200\u4e07\u30c9\u30eb\u3001\u8abf\u6574\u5f8cEBITDA\u306f3,000\u4e07\u30c9\u30eb\u304b\u30893,400\u4e07\u30c9\u30eb\u3001\u5e0c\u8584\u5316\u5f8c\u306e\u52a0\u91cd\u5e73\u5747\u682a\u5f0f\u6570\u306f\u7d049,490\u4e07\u682a\u3092\u898b\u8fbc\u3093\u3067\u3044\u307e\u3059\u30022021\u5e74\u901a\u5e74\u3067\u306f\u3001\u58f2\u4e0a\u9ad8\u306f\u524d\u671f\u6bd4221\uff05\u5897\u306e\u7d047\u51045,000\u4e07\u30c9\u30eb\u3001\u8ca2\u732e\u5229\u76ca\u7387\u306f\u524d\u671f\u306e42\uff05\u304b\u3089\u7d0445\uff05\u306b\u3001\u8abf\u6574\u5f8c\u306eEBITDA\u5229\u76ca\u7387\u306f\u524d\u671f\u306e10\uff05\u304b\u3089\u7d0417\uff05\u306b\u306a\u308b\u3068\u898b\u8fbc\u3093\u3067\u3044\u307e\u3059\u3002\u30c7\u30a4\u30d6\u306f\u3001\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8\u306e\u52e4\u52c9\u306a\u30c1\u30fc\u30e0\u306e\u7686\u3055\u3093\u306e\u52aa\u529b\u306b\u3088\u308a\u3001\u5f53\u793e\u306e\u6210\u9577\u3068\u8ca1\u52d9\u7d50\u679c\u304c\u63a8\u9032\u3055\u308c\u3066\u304a\u308a\u3001\u5f15\u304d\u7d9a\u304d\u793e\u5185\u306e\u671f\u5f85\u3092\u4e0a\u56de\u308b\u6210\u679c\u3092\u4e0a\u3052\u3066\u3044\u308b\u3053\u3068\u306b\u3001\u6539\u3081\u3066\u611f\u8b1d\u306e\u610f\u3092\u8868\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u307e\u305f90\u65e5\u5f8c\u306b\u304a\u4f1a\u3044\u3067\u304d\u308b\u3053\u3068\u3092\u697d\u3057\u307f\u306b\u3057\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u305d\u308c\u3067\u306f\u3001\u30c7\u30a4\u30d6\u3068\u79c1\u304b\u3089\u8cea\u554f\u3092\u3055\u305b\u3066\u3044\u305f\u3060\u304d\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u30aa\u30da\u30ec\u30fc\u30bf\u30fc\uff1f<\/b><\/p>\n

 <\/p>\n

Q&A <\/b><\/p>\n

 <\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/b><\/p>\n

 <\/p>\n

[\u6700\u521d\u306e\u8cea\u554f\u306f\u3001\u30d0\u30fc\u30af\u30ec\u30a4\u30ba\u306e\u30e9\u30e0\u30bc\u30a4\u30fb\u30a8\u30eb\u30fb\u30a2\u30c3\u30b5\u30eb\u3055\u3093\u304b\u3089\u304a\u9858\u3044\u3057\u307e\u3059\u3002\u3069\u3046\u305e\u304a\u9032\u307f\u304f\u3060\u3055\u3044\u3002<\/b><\/p>\n

 <\/p>\n

\u30e9\u30e0\u30bc\u30a4\u30fb\u30a8\u30eb\u30fb\u30a2\u30c3\u30b5\u30eb — \u30d0\u30fc\u30af\u30ec\u30a4\u30ba\u30fb\u30a4\u30f3\u30d9\u30b9\u30c8\u30e1\u30f3\u30c8\u30fb\u30d0\u30f3\u30af — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

\u3053\u3093\u306b\u3061\u306f\u3001\u7686\u3055\u3093\u3002\u4eca\u6669\u306f\u3001\u79c1\u306e\u8cea\u554f\u306b\u304a\u7b54\u3048\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u5f53\u56db\u534a\u671f\u3082\u975e\u5e38\u306b\u597d\u8abf\u3067\u3057\u305f\u3002\u30ac\u30a4\u30c0\u30f3\u30b9\u306e\u69cb\u6210\u8981\u7d20\u306b\u3064\u3044\u3066\u304a\u805e\u304d\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u5177\u4f53\u7684\u306b\u306f\u3001\u30de\u30af\u30ed\u30ed\u30fc\u30f3\u5e02\u5834\u306e\u56de\u5fa9\u3001\u3088\u308a\u5e83\u7bc4\u306a\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u7387\u306e\u6539\u5584\u3001\u3042\u308b\u3044\u306f\u81ea\u52d5\u8eca\u306e\u8ca2\u732e\u306a\u3069\u3067\u3059\u3002\u79c1\u306f\u305f\u3060\u3001\u901a\u671f\u30ac\u30a4\u30c0\u30f3\u30b9\u306e\u5f15\u304d\u4e0a\u3052\u306e\u8981\u56e0\u304c\u3069\u3053\u306b\u3042\u308b\u306e\u304b\u3092\u77e5\u308a\u305f\u3044\u3060\u3051\u3067\u3059\u3002<\/b><\/p>\n

 <\/p>\n

Sanjay Datta — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u306f\u3044\u3001\u308f\u304b\u308a\u307e\u3057\u305f\u3002Randy, Sanjay\u3067\u3059\u3002\u3054\u8cea\u554f\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u904e\u53bb\u6570\u56db\u534a\u671f\u306e\u4f1d\u7d71\u306b\u3057\u305f\u304c\u3063\u3066\u3001\u30de\u30af\u30ed\u74b0\u5883\u306b\u95a2\u3059\u308b\u60f3\u5b9a\u306f\u9759\u7684\u306a\u3082\u306e\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u5f53\u793e\u306e\u6570\u5b57\u306b\u95a2\u3057\u3066\u306f\u3001\u7d4c\u6e08\u306e\u60aa\u5316\u3082\u56de\u5fa9\u3082\u3042\u307e\u308a\u4e88\u6e2c\u3057\u3066\u3044\u307e\u305b\u3093\u3002<\/b><\/p>\n

 <\/p>\n

\u3064\u307e\u308a\u3001\u5f53\u793e\u306e\u6570\u5b57\u306b\u95a2\u3057\u3066\u306f\u3001\u7d4c\u6e08\u306e\u60aa\u5316\u3082\u56de\u5fa9\u3082\u4e88\u6e2c\u3057\u3066\u3044\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u5f53\u793e\u306b\u3068\u3063\u3066\u91cd\u8981\u306a\u3053\u3068\u306f\u3001\u73fe\u72b6\u3092\u4e88\u6e2c\u3057\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3001\u3064\u307e\u308a\u3001\u7d4c\u6e08\u306b\u304a\u3044\u3066\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u6b8b\u9ad8\u306f\u975e\u5e38\u306b\u4f4e\u304f\u3001\u8caf\u84c4\u7387\u306f\u975e\u5e38\u306b\u9ad8\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3064\u307e\u308a\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u6b8b\u9ad8\u306f\u975e\u5e38\u306b\u4f4e\u304f\u3001\u8caf\u84c4\u7387\u3082\u975e\u5e38\u306b\u9ad8\u3044\u72b6\u614b\u304c\u7d9a\u3044\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u81ea\u52d5\u8eca\u306b\u95a2\u3057\u3066\u306f\u30012021\u5e74\u5ea6\u3082\u5f15\u304d\u7d9a\u304d\u7d4c\u6e08\u3078\u306e\u8ca2\u732e\u306f\u306a\u3044\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306b\u3001\u30ac\u30a4\u30c0\u30f3\u30b9\u306b\u8a18\u8f09\u3055\u308c\u3066\u3044\u308b\u5185\u5bb9\u306f\u3001\u4e2d\u6838\u3068\u306a\u308b\u500b\u4eba\u5411\u3051\u30ed\u30fc\u30f3\u30d3\u30b8\u30cd\u30b9\u306e\u898b\u76f4\u3057\u3092\u9032\u3081\u3066\u304a\u308a\u3001\u30d5\u30a1\u30cd\u30eb\u304c\u3069\u306e\u3088\u3046\u306b\u9032\u5316\u3057\u3066\u3044\u304f\u304b\u3092\u898b\u3066\u3044\u308b\u3082\u306e\u3067\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u307e\u305f\u3001\u4e8c\u6b21\u7684\u306a\u52b9\u679c\u3068\u3057\u3066\u3001\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u30d7\u30ed\u30b0\u30e9\u30e0\u304c\u30d5\u30a1\u30cd\u30eb\u306e\u52b9\u7387\u5316\u306b\u8ffd\u3044\u3064\u3044\u3066\u3044\u308b\u3053\u3068\u3082\u660e\u3089\u304b\u3067\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u30e9\u30e0\u30bc\u30a4\u30fb\u30a8\u30eb\u30fb\u30a2\u30c3\u30b5\u30eb — \u30d0\u30fc\u30af\u30ec\u30a4\u30ba\u6295\u8cc7\u9280\u884c — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

\u308f\u304b\u308a\u307e\u3057\u305f\u3002\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u7387\u306b\u3064\u3044\u3066\u304a\u805e\u304d\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u4eca\u671f\u3082\u904e\u53bb\u306e\u56db\u534a\u671f\u3068\u540c\u69d8\u306b\u3001\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u7387\u304c\u696d\u7e3e\u5411\u4e0a\u306e\u91cd\u8981\u306a\u8981\u56e0\u3068\u306a\u3063\u3066\u3044\u308b\u3088\u3046\u3067\u3059\u3002\u3053\u306e\u70b9\u306b\u3064\u3044\u3066\u3001\u73fe\u5728\u9032\u884c\u4e2d\u306e\u6539\u5584\u306e\u30d1\u30a4\u30d7\u30e9\u30a4\u30f3\u306b\u3064\u3044\u3066\u304a\u8a71\u3044\u305f\u3060\u3051\u307e\u3059\u304b\uff1f\u7b2c3\u56db\u534a\u671f\u306b\u671f\u5f85\u3059\u3079\u304d\u3053\u3068\u306f\u4f55\u3067\u3057\u3087\u3046\u304b\uff1f\u307e\u305f\u3001\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u7387\u306b\u95a2\u3059\u308b\u30ac\u30a4\u30c0\u30f3\u30b9\u306b\u306f\u4f55\u304c\u76db\u308a\u8fbc\u307e\u308c\u3066\u3044\u307e\u3059\u304b\uff1f<\/b><\/p>\n

 <\/p>\n

Dave Girouard — \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u30e9\u30f3\u30c7\u30a3\u3001\u3053\u3061\u3089\u306f\u30c7\u30a4\u30d6\u3067\u3059\u3002\u3044\u3064\u3082\u306e\u3088\u3046\u306b\u3001\u30d5\u30a1\u30cd\u30eb\u306e\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u5411\u4e0a\u3055\u305b\u308b\u53ef\u80fd\u6027\u306e\u3042\u308b\u30d7\u30ed\u30b8\u30a7\u30af\u30c8\u306e\u304b\u306a\u308a\u306e\u30d0\u30c3\u30af\u30ed\u30b0\u3092\u62b1\u3048\u3066\u3044\u307e\u3059\u3002\u501f\u308a\u624b\u304c\u30d5\u30a1\u30cd\u30eb\u3092\u901a\u904e\u3059\u308b\u306e\u3092\u52a9\u3051\u308b\u30e2\u30c7\u30eb\u3084\u6280\u8853\u306e\u6539\u5584\u306f\u3001\u5f53\u793e\u306e\u6210\u9577\u306e\u4e2d\u6838\u3092\u306a\u3059\u3082\u306e\u3067\u3059\u3002\u30e2\u30c7\u30eb\u306e\u30a2\u30c3\u30d7\u30b0\u30ec\u30fc\u30c9\u3092\u671f\u5f85\u3057\u3066\u3001\u304b\u306a\u308a\u306e\u6570\u3092\u7d99\u7d9a\u3057\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u3057\u304b\u3057\u3001\u305d\u306e\u898f\u6a21\u304c\u3069\u306e\u3088\u3046\u306a\u5f71\u97ff\u3092\u53ca\u307c\u3059\u306e\u304b\u3001\u5fc5\u305a\u3057\u3082\u6b63\u78ba\u306b\u306f\u308f\u304b\u308a\u307e\u305b\u3093\u3002\u305d\u306e\u305f\u3081\u3001\u4eca\u56de\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u3067\u306f\u3001\u5c0f\u898f\u6a21\u306a\u3082\u306e\u304b\u3089\u5927\u898f\u6a21\u306a\u3082\u306e\u307e\u3067\u3001\u7d99\u7d9a\u7684\u306a\u30d1\u30a4\u30d7\u30e9\u30a4\u30f3\u3092\u30d0\u30e9\u30f3\u30b9\u3088\u304f\u53cd\u6620\u3057\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u5c0f\u3055\u306a\u3082\u306e\u3082\u3042\u308c\u3070\u3001\u3088\u308a\u5927\u304d\u306a\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u53ef\u80fd\u6027\u306e\u3042\u308b\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002\u4f8b\u3048\u3070\u3001\u627f\u8a8d\u3084\u6d88\u8cbb\u8005\u306b\u63d0\u4f9b\u3059\u308b\u6599\u91d1\u306b\u95a2\u3059\u308b\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u6469\u64e6\u3084\u6469\u64e6\u306e\u4f4e\u6e1b\u306b\u95a2\u9023\u3059\u308b\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u6d88\u8cbb\u8005\u5411\u3051\u88fd\u54c1\u3092\u3088\u308a\u826f\u3044\u3082\u306e\u306b\u3057\u3001\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8\u306e\u30d3\u30b8\u30cd\u30b9\u3092\u3088\u308a\u6210\u529f\u3055\u305b\u308b\u305f\u3081\u306b\u3001\u30c1\u30fc\u30e0\u306f\u30e2\u30c7\u30eb\u306e\u30a2\u30c3\u30d7\u30b0\u30ec\u30fc\u30c9\u3068\u6539\u5584\u306b\u5411\u3051\u3066\u61f8\u547d\u306b\u53d6\u308a\u7d44\u3093\u3067\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u4ee5\u5916\u3001\u7279\u306b\u6307\u6458\u3059\u308b\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/b><\/p>\n

 <\/p>\n

Ramsey El-Assal — Barclays Investment Bank — Analyst<\/b><\/p>\n

 <\/p>\n

\u30ac\u30a4\u30c0\u30f3\u30b9\u306b\u76db\u308a\u8fbc\u307e\u308c\u308b\u53ef\u80fd\u6027\u306e\u3042\u308b\u3082\u306e\u306b\u3064\u3044\u3066\u306f\uff1f<\/b><\/p>\n

 <\/p>\n

Sanjay Datta — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u305d\u3046\u3067\u3059\u306d\u3002\u305d\u306e\u4e00\u74b0\u3068\u3057\u3066\u3001\u30e9\u30e0\u30b8\u30fc\u304c\u6700\u521d\u306b\u60f3\u5b9a\u3057\u3066\u3044\u305f\u3001\u30d5\u30a1\u30cd\u30eb\u306b\u304a\u3051\u308b\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u7387\u304c\u5f15\u304d\u7d9a\u304d\u9806\u8abf\u306b\u63a8\u79fb\u3057\u3066\u304a\u308a\u3001\u4eca\u671f\u306f25\uff05\u3092\u76ee\u524d\u306b\u3057\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u3053\u306e\u6210\u9577\u306e\u591a\u304f\u306f\u3001\u904e\u53bb\u6570\u56db\u534a\u671f\u306b\u5f97\u3089\u308c\u305f\u5229\u76ca\u306b\u5408\u308f\u305b\u3066\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u30d7\u30ed\u30b0\u30e9\u30e0\u3092\u62e1\u5927\u3057\u305f\u3053\u3068\u306b\u3088\u308b\u3082\u306e\u3067\u3059\u3002\u305d\u306e\u5185\u8a33\u3092\u898b\u308b\u3068\u3001\u524d\u56db\u534a\u671f\u306e\u6210\u9577\u306e\u5927\u90e8\u5206\u306f\u3001\u30d5\u30a1\u30cd\u30eb\u306e\u6700\u4e0a\u90e8\u304b\u3089\u3082\u305f\u3089\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u3053\u306e\u3053\u3068\u306f\u3001\u4eca\u5f8c\u306e\u5c55\u958b\u3092\u8003\u3048\u308b\u4e0a\u3067\u91cd\u8981\u306a\u610f\u5473\u3092\u6301\u3061\u307e\u3059\u3002\u4eca\u671f\u3001\u30d5\u30a1\u30cd\u30eb\u3067\u306f\u3055\u3089\u306a\u308b\u6210\u9577\u304c\u3042\u308a\u307e\u3057\u305f\u3002\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u30ad\u30e3\u30f3\u30da\u30fc\u30f3\u306e\u898f\u6a21\u3092\u524d\u56db\u534a\u671f\u6bd4\u306750\uff05\u4ee5\u4e0a\u62e1\u5927\u3057\u305f\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u3001\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u7387\u3001\u305d\u3057\u3066\u5b9f\u969b\u306b\u8ca2\u732e\u5229\u76ca\u7387\u306f\u4e0a\u6607\u3057\u307e\u3057\u305f\u3002\u3057\u304b\u3057\u3001\u6b21\u306e\u56db\u534a\u671f\u3084\u4e0b\u534a\u671f\u306b\u5411\u3051\u3066\u8003\u3048\u3066\u3044\u308b\u3053\u3068\u306e\u591a\u304f\u306f\u3001\u30d5\u30a1\u30cd\u30eb\u306e\u52b9\u7387\u5316\u3092\u56f3\u308b\u305f\u3081\u306b\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u30d7\u30ed\u30b0\u30e9\u30e0\u306e\u898f\u6a21\u3092\u62e1\u5927\u3059\u308b\u3053\u3068\u306b\u95a2\u4fc2\u3057\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u3053\u308c\u307e\u3067\u306e\u5b9f\u7e3e\u3067\u306f\u3001\u30d5\u30a1\u30cd\u30eb\u4e0a\u306e\u52b9\u7387\u3068\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u7387\u306e\u52b9\u7387\u306f\u307b\u307c\u534a\u3005\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u304c\u4e0b\u534a\u671f\u306b\u5411\u3051\u3066\u306e\u5927\u307e\u304b\u306a\u76ee\u5b89\u306b\u306a\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u5177\u4f53\u7684\u306a\u30d7\u30ed\u30b8\u30a7\u30af\u30c8\u306b\u306f\u89e6\u308c\u307e\u305b\u3093\u304c\u3001\u4eca\u5e74\u306e\u6b8b\u308a\u306e\u6210\u9577\u3092\u3069\u3046\u898b\u3066\u3044\u308b\u304b\u3068\u3044\u3046\u70b9\u3067\u306f\u3001\u3053\u308c\u304c\u5927\u307e\u304b\u306a\u5185\u8a33\u3060\u3068\u601d\u3063\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

\u30e9\u30e0\u30bc\u30a4\u30fb\u30a8\u30eb\u30fb\u30a2\u30c3\u30b5\u30eb — \u30d0\u30fc\u30af\u30ec\u30a4\u30ba\u6295\u8cc7\u9280\u884c — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

OK\u3001\u7d20\u6674\u3089\u3057\u3044\u3002\u304a\u8fd4\u4e8b\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/b><\/p>\n

 <\/p>\n

\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30b7\u30e5\u30df\u30c3\u30c8 — \u30d0\u30a4\u30b9\u30fb\u30d7\u30ec\u30b8\u30c7\u30f3\u30c8\u3001\u30a4\u30f3\u30d9\u30b9\u30bf\u30fc\u30fb\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30ba<\/b><\/p>\n

 <\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3001\u30e9\u30e0\u30b8\u30fc\u3002\u6b21\u306e\u8cea\u554f\u3067\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/b><\/p>\n

 <\/p>\n

\u6b21\u306e\u8cea\u554f\u306f\u3001JMP\u8a3c\u5238\u306eRon Josey\u3055\u3093\u304b\u3089\u304a\u9858\u3044\u3057\u307e\u3059\u3002\u3069\u3046\u305e\u304a\u9032\u307f\u304f\u3060\u3055\u3044\u3002<\/b><\/p>\n

 <\/p>\n

Ron Josey — JMP\u8a3c\u5238 — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u8cea\u554f\u306b\u304a\u7b54\u3048\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u3053\u306e\u56db\u534a\u671f\u3082\u975e\u5e38\u306b\u597d\u8abf\u3067\u3057\u305f\u3002Dave\u3055\u3093\u306f\u5192\u982d\u306e\u6328\u62f6\u3067\u3001\u4eca\u5f8c\u4f55\u5e74\u306b\u3082\u308f\u305f\u3063\u3066\u8907\u6570\u306e\u65b0\u88fd\u54c1\u3092\u767a\u58f2\u3059\u308b\u3068\u3044\u3046\u76ee\u6a19\u3092\u8ff0\u3079\u3089\u308c\u307e\u3057\u305f\u3002<\/b><\/p>\n

 <\/p>\n

\u3053\u308c\u306f\u5c11\u3057\u5927\u5c40\u7684\u306a\u8cea\u554f\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u3057\u304b\u3057\u3001\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8\u306e\u4e2d\u6838\u3068\u306a\u308bAI\u30a2\u30d7\u30ed\u30fc\u30c1\u3068\u3001\u65b0\u305f\u306a\u6a5f\u4f1a\u3084\u5206\u91ce\u3092\u8003\u3048\u308b\u969b\u306b\u5fc5\u8981\u306a\u30c7\u30fc\u30bf\u4f01\u696d\u306b\u3064\u3044\u3066\u304a\u8a71\u3057\u304f\u3060\u3055\u3044\u3002\u660e\u3089\u304b\u306b\u3001\u79c1\u305f\u3061\u306f\u500b\u4eba\u5411\u3051\u4fdd\u967a\u306b\u53c2\u5165\u3057\u3066\u3044\u307e\u3059\u3057\u3001\u81ea\u52d5\u8eca\u306b\u3082\u53c2\u5165\u3057\u3066\u3044\u307e\u3059\u3002\u501f\u308a\u624b\u306e\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u3092\u62e1\u5927\u3059\u308b\u3053\u3068\u3067\u3001\u4ee5\u524d\u3001\u9867\u5ba2\u3092\u30bf\u30fc\u30b2\u30c3\u30c8\u306b\u3057\u3066\u3044\u305f\u306e\u3092\u7121\u8996\u3057\u3066\u3001\u3082\u3063\u3068\u4e0b\u306e\u30d5\u30a1\u30cd\u30eb\u306b\u884c\u304f\u3053\u3068\u304c\u3067\u304d\u308b\u306e\u3067\u306f\u306a\u3044\u304b\u3068\u304a\u3063\u3057\u3083\u3063\u3066\u3044\u305f\u3068\u601d\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u305d\u3057\u3066\u3001\u79c1\u306b\u306f\u30d5\u30a9\u30ed\u30fc\u30a2\u30c3\u30d7\u304c\u3042\u308a\u307e\u3059\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/b><\/p>\n

 <\/p>\n

Dave Girouard — \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u305d\u3046\u3067\u3059\u306d\u3002\u79c1\u305f\u3061\u304c\u69cb\u7bc9\u3057\u3066\u3044\u308b\u3082\u306e\u3092\u5e38\u306b\u30b3\u30a2\u6280\u8853\u306e\u3088\u3046\u306a\u3082\u306e\u3068\u8003\u3048\u3066\u304a\u308a\u3001\u305d\u308c\u3092\u6700\u521d\u306b\u5c55\u958b\u3059\u308b\u5834\u6240\u3068\u3057\u3066\u9078\u3093\u3060\u306e\u304c\u3001\u3042\u308b\u7a2e\u306e\u500b\u4eba\u5411\u3051\u7121\u62c5\u4fdd\u30ed\u30fc\u30f3\u3001\u3064\u307e\u308a1,000\u30c9\u30eb\u304b\u308950,000\u30c9\u30eb\u307e\u3067\u306e\u30ed\u30fc\u30f3\u3067\u3059\u3002\u73fe\u5728\u3001\u5f53\u793e\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u306f\u3053\u306e\u3088\u3046\u306a\u7a2e\u985e\u306e\u30ed\u30fc\u30f3\u304c\u3042\u308a\u3001\u6d88\u8cbb\u8005\u5411\u3051\u306e\u3055\u307e\u3056\u307e\u306a\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u306b\u5bfe\u5fdc\u3057\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u4e16\u306e\u4e2d\u306b\u306f\u3082\u3063\u3068\u5927\u304d\u306a\u4e16\u754c\u304c\u3042\u308b\u306f\u305a\u3067\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u81ea\u52d5\u8eca\u304a\u3088\u3073\u81ea\u52d5\u8eca\u696d\u754c\u306b\u304a\u3051\u308b\u5f53\u793e\u306e\u53d6\u308a\u7d44\u307f\u306f\u3001\u3053\u306e\u6280\u8853\u3092\u62c5\u4fdd\u4ed8\u304d\u30ed\u30fc\u30f3\u306b\u62e1\u5927\u3057\u305f\u521d\u3081\u3066\u306e\u4e8b\u4f8b\u3067\u3057\u305f\u3002\u3053\u306e\u6280\u8853\u306f\u3001\u52d5\u4f5c\u3084\u7279\u6027\u304c\u307e\u3063\u305f\u304f\u7570\u306a\u308a\u3001\u89e3\u6c7a\u3059\u3079\u304d\u554f\u984c\u3082\u6570\u591a\u304f\u3042\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u500b\u4eba\u5411\u3051\u878d\u8cc7\u306e\u4e16\u754c\u3067\u306f\u3001\u500b\u4eba\u3092\u5bfe\u8c61\u3068\u3057\u305f\u30a2\u30f3\u30c0\u30fc\u30e9\u30a4\u30c6\u30a3\u30f3\u30b0\u306b\u91cd\u70b9\u3092\u7f6e\u3044\u3066\u3044\u308b\u305f\u3081\u3001\u305d\u306e\u6b74\u53f2\u304b\u3089\u591a\u5927\u306a\u6069\u6075\u3092\u53d7\u3051\u3066\u3044\u307e\u3059\u3002\u79c1\u304c\u8a00\u3044\u305f\u3044\u306e\u306f\u3001\u79c1\u305f\u3061\u306f\u5e02\u5834\u306e\u4e2d\u3067\u975e\u5e38\u306b\u5927\u304d\u306a\u975e\u52b9\u7387\u6027\u3092\u63a2\u3057\u3066\u304a\u308a\u3001\u305d\u3053\u306b\u306f\u6d88\u8cbb\u8005\u306e\u751f\u6d3b\u3084\u8cc7\u672c\u3001\u4fe1\u7528\u3078\u306e\u30a2\u30af\u30bb\u30b9\u3092\u6539\u5584\u3059\u308b\u6a5f\u4f1a\u304c\u5927\u304d\u304f\u5b58\u5728\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u7121\u62c5\u4fdd\u878d\u8cc7\u306e\u5206\u91ce\u306b\u306f\u78ba\u304b\u306b\u591a\u304f\u306e\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u500b\u4eba\u5411\u3051\u30ed\u30fc\u30f3\u306f\u975e\u5e38\u306b\u4fbf\u5229\u306a\u30c4\u30fc\u30eb\u3067\u3042\u308a\u3001\u69d8\u3005\u306a\u5834\u9762\u3067\u6d3b\u7528\u3067\u304d\u307e\u3059\u3002\u500b\u4eba\u30ed\u30fc\u30f3\u306f\u3001\u975e\u5e38\u306b\u591a\u304f\u306e\u70b9\u3067\u4fbf\u5229\u306a\u30c4\u30fc\u30eb\u3067\u3059\u3002\u3053\u306e\u30c4\u30fc\u30eb\u3092\u4f7f\u3063\u3066\u3088\u308a\u591a\u304f\u306e\u554f\u984c\u3092\u89e3\u6c7a\u3059\u308b\u305f\u3081\u306b\u3001\u500b\u4eba\u30ed\u30fc\u30f3\u306e\u5206\u91ce\u3067\u3082\u591a\u304f\u306e\u3053\u3068\u3092\u671f\u5f85\u3057\u3066\u3044\u307e\u3059\u3002\u6709\u62c5\u4fdd\u30ed\u30fc\u30f3\u3067\u3042\u308b\u81ea\u52d5\u8eca\u306b\u3064\u3044\u3066\u306f\u3001\u73fe\u5728\u3001\u501f\u308a\u63db\u3048\u306b\u53d6\u308a\u7d44\u3093\u3067\u3044\u308b\u3068\u3053\u308d\u3067\u3059\u3002\u3054\u5b58\u77e5\u306e\u3088\u3046\u306b\u3001\u4eca\u5e74\u672b\u306b\u306f\u81ea\u52d5\u8eca\u306e\u8cfc\u5165\u306b\u3082\u7740\u624b\u3059\u308b\u4e88\u5b9a\u3067\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u305d\u306e\u969b\u306b\u306f\u3001\u30ed\u30fc\u30f3\u304c\u6d41\u308c\u308b\u3088\u3046\u306b\u306a\u308b\u3067\u3057\u3087\u3046\u3002\u3053\u306e\u3088\u3046\u306b\u3001\u4e16\u306e\u4e2d\u306b\u306f\u591a\u304f\u306e\u30c1\u30e3\u30f3\u30b9\u304c\u3042\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u771f\u306e\u30ea\u30b9\u30af\u306b\u57fa\u3065\u3044\u3066\u4eba\u3005\u304c\u7d0d\u5f97\u306e\u3044\u304f\u91d1\u5229\u3092\u5f97\u308b\u3068\u3044\u3046\u70b9\u3067\u306f\u3001\u307b\u3068\u3093\u3069\u3069\u3053\u3067\u3082\u4fe1\u7528\u554f\u984c\u306f\u89e3\u6c7a\u3057\u3066\u3044\u306a\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u500b\u4eba\u5411\u3051\u30ed\u30fc\u30f3\u3084\u81ea\u52d5\u8eca\u5411\u3051\u30ed\u30fc\u30f3\u4ee5\u5916\u306e\u5206\u91ce\u306b\u3082\u9032\u51fa\u3059\u308b\u3053\u3068\u306b\u306a\u308b\u3068\u601d\u3044\u307e\u3059\u304c\u3001\u7387\u76f4\u306b\u8a00\u3063\u3066\u3001\u3053\u306e2\u3064\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u3067\u3055\u3048\u672a\u77e5\u306e\u9818\u57df\u304c\u591a\u3044\u306e\u3067\u3001\u7279\u306b\u6025\u3044\u3067\u3044\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/b><\/p>\n

 <\/p>\n

\u3057\u304b\u3057\u3001\u6b63\u76f4\u306a\u3068\u3053\u308d\u3001\u3053\u306e2\u3064\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u306b\u3082\u672a\u77e5\u306e\u9818\u57df\u304c\u305f\u304f\u3055\u3093\u3042\u308b\u306e\u3067\u3001\u7279\u306b\u6025\u3044\u3067\u3044\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u4eca\u5f8c\u3001\u6570\u30f6\u6708\u3001\u6570\u5e74\u306e\u3046\u3061\u306b\u3001\u79c1\u305f\u3061\u304c\u3053\u306e2\u3064\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u3092\u8d85\u3048\u3066\u3044\u304f\u306e\u3092\u3054\u89a7\u3044\u305f\u3060\u3051\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u3053\u306e2\u3064\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u306b\u306f\u3084\u308b\u3079\u304d\u3053\u3068\u304c\u305f\u304f\u3055\u3093\u3042\u308b\u306e\u3067\u3001\u76ee\u5148\u306e\u52aa\u529b\u306f\u3053\u306e2\u3064\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u306b\u96c6\u4e2d\u3057\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

Ron Josey — JMP\u8a3c\u5238 — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

\u4e86\u89e3\u3057\u307e\u3057\u305f\u3002\u5927\u5909\u53c2\u8003\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u305d\u308c\u304b\u3089\u3001\u30b5\u30f3\u30b8\u30a7\u30a4\u3055\u3093\u3001\u6700\u5f8c\u306e\u8cea\u554f\u306b\u3061\u3087\u3063\u3068\u3060\u3051\u7b54\u3048\u3066\u304f\u3060\u3055\u3044\u3002\u4eca\u671f\u306e\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u3068\u30d5\u30a1\u30cd\u30eb\u5185\u306e\u5229\u76ca\u306b\u3064\u3044\u3066\u304a\u8a71\u3055\u308c\u305f\u3068\u601d\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u30c1\u30e3\u30cd\u30eb\u306e\u62e1\u5927\u306b\u3064\u3044\u3066\u3001\u3082\u3046\u5c11\u3057\u8a73\u3057\u304f\u304a\u8a71\u3057\u3044\u305f\u3060\u3051\u307e\u3059\u304b\uff1f\u3053\u308c\u307e\u3067\u306fCredit Karma\u306b\u304b\u306a\u308a\u4f9d\u5b58\u3057\u3066\u3044\u307e\u3057\u305f\u3002\u305d\u308c\u304c\u3069\u306e\u3088\u3046\u306b\u9032\u5316\u3057\u3066\u3044\u308b\u306e\u304b\u3001\u305c\u3072\u304a\u805e\u304d\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/b><\/p>\n

\u30b5\u30f3\u30b8\u30a7\u30a4\u30fb\u30c0\u30c3\u30bf – \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u30d7\u30ed\u30b0\u30e9\u30e0\u3092\u518d\u3073\u5927\u5e45\u306b\u62e1\u5927\u3057\u305f\u3053\u3068\u3092\u304a\u4f1d\u3048\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u8cbb\u7528\u306f\u3001\u524d\u56db\u534a\u671f\u306e\u7d044,500\u4e07\u30c9\u30eb\u304b\u30894,600\u4e07\u30c9\u30eb\u304b\u30897,100\u4e07\u30c9\u30eb\u4ee5\u4e0a\u306b\u5897\u52a0\u3057\u307e\u3057\u305f\u3002\u3053\u306e\u3088\u3046\u306b\u3001\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u30d7\u30ed\u30b0\u30e9\u30e0\u309250\uff05\u4ee5\u4e0a\u62e1\u5927\u3057\u3001\u3057\u304b\u3082\u305d\u306e\u52b9\u7387\u6027\u3092\u9ad8\u3081\u307e\u3057\u305f\u3002\u3053\u308c\u306f\u73cd\u3057\u3044\u3053\u3068\u3067\u3059\u304c\u3001\u8ca2\u732e\u5ea6\u306f\u5b9f\u969b\u306b\u4e0a\u6607\u3057\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u3053\u308c\u306f\u3001\u30d5\u30a1\u30cd\u30eb\u304c\u5f15\u304d\u7d9a\u304d\u597d\u8abf\u3067\u3042\u308b\u3053\u3068\u304c\u80cc\u666f\u306b\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u30c1\u30e3\u30cd\u30eb\u306b\u95a2\u3057\u3066\u306f\u3001\u6d88\u8cbb\u8005\u3084\u501f\u308a\u624b\u306b\u76f4\u63a5\u30a2\u30d7\u30ed\u30fc\u30c1\u3059\u308b\u30c1\u30e3\u30cd\u30eb\u3067\u6700\u3082\u5927\u304d\u306a\u6210\u9577\u3092\u9042\u3052\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u30c1\u30e3\u30cd\u30eb\u306e\u96c6\u4e2d\u5ea6\u306f\u5168\u4f53\u7684\u306b\u4f4e\u4e0b\u3057\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

Ron Josey — JMP\u8a3c\u5238 — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

\u7d20\u6674\u3089\u3057\u3044\u3067\u3059\u306d\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/b><\/p>\n

 <\/p>\n

\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30b7\u30e5\u30df\u30c3\u30c8 — \u30a4\u30f3\u30d9\u30b9\u30bf\u30fc\u30fb\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30ba\u62c5\u5f53\u526f\u793e\u9577<\/b><\/p>\n

 <\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3001\u30ed\u30f3\u3002\u6b21\u306e\u8cea\u554f\u3092\u3069\u3046\u305e\u3002<\/b><\/p>\n

 <\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/b><\/p>\n

 <\/p>\n

\u6b21\u306e\u8cea\u554f\u306f\u3001\u30b8\u30a7\u30d5\u30ea\u30fc\u30ba\u306e\u30b8\u30e7\u30f3\u30fb\u30d8\u30af\u30c8\u3055\u3093\u304b\u3089\u304a\u9858\u3044\u3057\u307e\u3059\u3002\u3069\u3046\u305e\u304a\u9032\u307f\u304f\u3060\u3055\u3044\u3002<\/b><\/p>\n

 <\/p>\n

\u30b8\u30e7\u30f3\u30fb\u30d8\u30af\u30c8 — \u30b8\u30a7\u30d5\u30ea\u30fc\u30ba — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

\u3053\u3093\u306b\u3061\u306f\u3001Dave\u3068Sanjay\u3067\u3059\u3002\u79c1\u306e\u8cea\u554f\u306b\u304a\u7b54\u3048\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u5c11\u3057\u3060\u3051\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306e\u53cd\u5bfe\u5074\u306b\u79fb\u52d5\u3057\u3066\u3001\u6295\u8cc7\u5bb6\u306e\u65b9\u3005\u306e\u304a\u8a71\u3092\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u3082\u3061\u308d\u3093\u3001\u8cc7\u7523\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306f\u975e\u5e38\u306b\u597d\u8abf\u3067\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u3057\u304b\u3057\u3001\u904e\u53bb2\u30013\u30f6\u6708\u306e\u9593\u306b\u3001\u6295\u8cc7\u5bb6\u306e\u69cb\u6210\u3084\u5730\u7406\u7684\u306a\u5b58\u5728\u611f\u3001\u3042\u308b\u3044\u306f\u6295\u8cc7\u5bb6\u304c\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u3069\u306e\u3088\u3046\u306b\u63a5\u7d9a\u3057\u3066\u3044\u308b\u304b\u3068\u3044\u3063\u305f\u70b9\u3067\u3001\u4f55\u304b\u5909\u5316\u306f\u3042\u308a\u307e\u3057\u305f\u304b\uff1f<\/b><\/p>\n

 <\/p>\n

Sanjay Datta — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u30b8\u30e7\u30f3\u3001\u3042\u306a\u305f\u304c\u8a00\u3063\u3066\u3044\u308b\u306e\u306f\u30ed\u30fc\u30f3\u6295\u8cc7\u5bb6\u306e\u3053\u3068\u3067\u3059\u304b\uff1f<\/b><\/p>\n

 <\/p>\n

\u30b8\u30e7\u30f3\u30fb\u30d8\u30af\u30c8 — \u30b8\u30a7\u30d5\u30ea\u30fc\u30ba — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

\u306f\u3044\u3001\u305d\u306e\u901a\u308a\u3067\u3059\u3002<\/b><\/p>\n

 <\/p>\n

Sanjay Datta — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u552f\u4e00\u6ce8\u76ee\u3059\u3079\u304d\u70b9\u306f\u3001\u6295\u8cc7\u5bb6\u5c64\u306e\u62e1\u5927\u304c\u7d9a\u3044\u3066\u3044\u308b\u3053\u3068\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u88fd\u54c1\u304c\u6210\u719f\u3057\u3001\u30d2\u30b9\u30c8\u30ea\u30fc\u3084\u30ab\u30fc\u30d6\u304c\u6210\u719f\u3059\u308b\u306b\u3064\u308c\u3001\u591a\u304f\u306e\u65b0\u898f\u6295\u8cc7\u5bb6\u304c\u5897\u3048\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u5730\u57df\u306b\u95a2\u3057\u3066\u306f\u3001\u6700\u8fd1\u3067\u306f\u6d77\u5916\u306e\u6295\u8cc7\u5bb6\u306e\u65b9\u3005\u3068\u306e\u304a\u4ed8\u304d\u5408\u3044\u3082\u5897\u3048\u3066\u304d\u307e\u3057\u305f\u3002\u305d\u3057\u3066\u3082\u3061\u308d\u3093\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u5e02\u5834\u81ea\u4f53\u306f\u3001\u30de\u30af\u30ed\u7684\u306b\u898b\u3066\u3001\u73fe\u5728\u304b\u306a\u308a\u5efa\u8a2d\u7684\u306a\u72b6\u6cc1\u306b\u3042\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u5168\u4f53\u3068\u3057\u3066\u306f\u3001\u975e\u5e38\u306b\u3046\u307e\u304f\u6a5f\u80fd\u3057\u3066\u3044\u308b\u30d7\u30ed\u30b0\u30e9\u30e0\u304c\u7d99\u7d9a\u7684\u306b\u9032\u5316\u3057\u3001\u62e1\u5927\u3057\u3066\u3044\u308b\u3068\u8a00\u3048\u308b\u3067\u3057\u3087\u3046\u3002<\/b><\/p>\n

 <\/p>\n

\u30b8\u30e7\u30f3\u30fb\u30d8\u30af\u30c8 — \u30b8\u30a7\u30d5\u30ea\u30fc\u30ba — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

\u308f\u304b\u308a\u307e\u3057\u305f\u3002\u305d\u308c\u306f\u52a9\u304b\u308a\u307e\u3059\u3002\u305d\u308c\u304b\u3089\u3001\u30c7\u30a4\u30d6\u304c\u8a00\u3063\u3066\u3044\u305f\u3068\u601d\u3044\u307e\u3059\u304c\u3001\u3044\u304f\u3064\u304b\u306e\u9280\u884c\u3067\u306f\u3001\u3042\u308b\u610f\u5473\u3067\u3001FICO\u30b9\u30b3\u30a2\u3092\u4fe1\u983c\u3057\u3066\u3044\u308b\u305f\u3081\u3001FICO\u30b9\u30b3\u30a2\u306e\u8981\u4ef6\u3092\u5ec3\u6b62\u3057\u3066\u3044\u307e\u3059\u3002\u6700\u8fd1\u306e\u3053\u3068\u306e\u3088\u3046\u306b\u805e\u3053\u3048\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u3053\u308c\u306f\u304b\u306a\u308a\u30dd\u30b8\u30c6\u30a3\u30d6\u306a\u52d5\u304d\u306e\u3088\u3046\u3067\u3059\u306d\u3002<\/b><\/p>\n

 <\/p>\n

\u305d\u306e\u3088\u3046\u306a\u91d1\u878d\u6a5f\u95a2\u3067\u306f\u3001\u63a1\u7528\u3084\u6570\u91cf\u306e\u9762\u3067\u5e02\u5834\u306b\u5909\u5316\u304c\u3042\u308a\u307e\u3057\u305f\u304b\uff1f\u307e\u305f\u3001\u4eca\u5f8c\u3082\u5897\u3048\u3066\u3044\u304f\u3068\u601d\u3044\u307e\u3059\u304b\uff1f<\/b><\/p>\n

Dave Girouard — \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u3064\u307e\u308a\u3001FICO\u3001FICO\u30df\u30cb\u30de\u30e0\u3001\u3064\u307e\u308a\u3001\u9280\u884c\u304cFICO650\u4ee5\u4e0a\u3001\u3042\u308b\u3044\u306f680\u4ee5\u4e0a\u3057\u304b\u8cb8\u3055\u306a\u3044\u3068\u3044\u3046\u306e\u306f\u3001\u79c1\u305f\u3061\u306e\u89b3\u70b9\u304b\u3089\u3059\u308b\u3068\u3001\u3061\u3087\u3063\u3068\u3057\u305f\u30ac\u30fc\u30c9\u30ec\u30fc\u30eb\u306e\u3088\u3046\u306a\u3082\u306e\u3067\u3059\u3002\u3082\u3061\u308d\u3093\u3001\u30e2\u30c7\u30eb\u81ea\u4f53\u306f\u3001\u30ea\u30b9\u30af\u3092\u4f1d\u3048\u3001\u304a\u5ba2\u69d8\u304c\u6b63\u3057\u3044\u5224\u65ad\u3092\u3059\u308b\u306e\u306b\u5f79\u7acb\u3064\u3082\u306e\u3067\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u304c\u3001FICO\u306f\u3001\u30cf\u30fc\u30c9\u306a\u30ab\u30c3\u30c8\u30aa\u30d5\u3067\u3042\u308b\u3068\u3044\u3046\u70b9\u3067\u3001\u3061\u3087\u3063\u3068\u3057\u305f\u6b74\u53f2\u306e\u907a\u7269\u3067\u3059\u3002\u3082\u3061\u308d\u3093\u3001\u79c1\u305f\u3061\u306f\u9280\u884c\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30e2\u30c7\u30eb\u304c\u3069\u3046\u3042\u308b\u3079\u304d\u304b\u3092\u6559\u3048\u3066\u3044\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/b><\/p>\n

 <\/p>\n

\u3067\u3059\u304b\u3089\u3001\u9280\u884c\u306e\u30ea\u30b9\u30af\u59d4\u54e1\u4f1a\u304c\u7d0d\u5f97\u3059\u308b\u3088\u3046\u306a\u5236\u7d04\u3092\u8a2d\u3051\u308b\u3053\u3068\u306f\u559c\u3093\u3067\u884c\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u4eca\u56de\u306e\u30b1\u30fc\u30b9\u3067\u306f\u3001\u9280\u884c\u304c\u6642\u9593\u3092\u304b\u3051\u3066\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u3092\u78ba\u8a8d\u3067\u304d\u305f\u3053\u3068\u3092\u5b09\u3057\u304f\u601d\u3044\u307e\u3059\u3057\u3001\u3053\u308c\u304c\u30c8\u30ec\u30f3\u30c9\u306b\u306a\u308b\u3053\u3068\u3092\u671f\u5f85\u3057\u3066\u3044\u307e\u3059\u3002\u9280\u884c\u304c\u3053\u306e\u30e2\u30c7\u30eb\u3092\u4fe1\u983c\u3057\u59cb\u3081\u308b\u3068\u3001\u3053\u306e\u30e2\u30c7\u30eb\u306b\u306f\u5b9f\u969b\u306bFICO\u304c\u542b\u307e\u308c\u3066\u3044\u307e\u3059\u3002FICO\u306f\u30e2\u30c7\u30eb\u306e\u4e00\u90e8\u3067\u3059\u3002<\/b><\/p>\n

 <\/p>\n

FICO\u306f\u30e2\u30c7\u30eb\u306e\u4e00\u90e8\u3067\u3042\u308a\u3001\u8ab0\u304c\u30ed\u30fc\u30f3\u3092\u7d44\u3081\u308b\u304b\u3001\u8ab0\u304c\u7d44\u3081\u306a\u3044\u304b\u3068\u3044\u3046\u3053\u3068\u3092\u5236\u9650\u3059\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3053\u306e\u50be\u5411\u306f\u3001\u79c1\u305f\u3061\u306b\u3068\u3063\u3066\u306f\u3001\u632f\u308a\u8fd4\u3063\u3066\u307f\u308c\u3070\u3001\u3053\u3046\u306a\u308b\u3079\u304d\u3060\u3068\u3044\u3046\u3053\u3068\u304c\u660e\u3089\u304b\u306b\u306a\u3063\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u306a\u305c\u306a\u3089\u3001FICO\u306b\u306f\u591a\u304f\u306e\u6b74\u53f2\u304c\u3042\u308a\u3001\u9280\u884c\u306f\u5f53\u7136FICO\u3092\u4fe1\u983c\u3057\u3001\u5b89\u5fc3\u3057\u3066\u3044\u308b\u304b\u3089\u3067\u3059\u3002\u3057\u304b\u3057\u3001\u3053\u308c\u306f\u826f\u3044\u3053\u3068\u3067\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u4eca\u307e\u3067\u8cb8\u305b\u306a\u304b\u3063\u305f\u4eba\u306b\u3082\u8cb8\u305b\u308b\u3088\u3046\u306b\u306a\u3063\u305f\u306e\u3067\u3059\u304b\u3089\u3002\u6027\u80fd\u306f\u4ee5\u524d\u3068\u540c\u3058\u304b\u305d\u308c\u4ee5\u4e0a\u3067\u3059\u3002\u305d\u3053\u306b\u306f\u4f55\u306e\u5f71\u97ff\u3082\u3042\u308a\u307e\u305b\u3093\u3002\u3067\u3059\u304b\u3089\u3001\u4e00\u822c\u7684\u306b\u306f\u3001\u6d88\u8cbb\u8005\u306b\u3068\u3063\u3066\u306f\u826f\u3044\u3053\u3068\u3067\u3042\u308a\u3001\u524d\u5411\u304d\u306a\u9280\u884c\u306b\u3068\u3063\u3066\u3082\u826f\u3044\u3053\u3068\u3060\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u30b8\u30e7\u30f3\u30fb\u30d8\u30af\u30c8 — \u30b8\u30a7\u30d5\u30ea\u30fc\u30ba — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

\u308f\u304b\u308a\u307e\u3057\u305f\u3002\u7686\u3055\u3093\u3001\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/b><\/p>\n

 <\/p>\n

\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30b7\u30e5\u30df\u30c3\u30c8 — \u30a4\u30f3\u30d9\u30b9\u30bf\u30fc\u30fb\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30ba\u62c5\u5f53\u526f\u793e\u9577<\/b><\/p>\n

 <\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3001\u30b8\u30e7\u30f3\u3002\u6b21\u306e\u8cea\u554f\u3092\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/b><\/p>\n

 <\/p>\n

\u6b21\u306e\u8cea\u554f\u306f\u3001\u30b7\u30c6\u30a3\u306e\u30d4\u30fc\u30c8\u30fb\u30af\u30ea\u30b9\u30c1\u30e3\u30f3\u30bb\u30f3\u3055\u3093\u304b\u3089\u304a\u9858\u3044\u3057\u307e\u3059\u3002\u3069\u3046\u305e\u304a\u9032\u307f\u304f\u3060\u3055\u3044\u3002<\/b><\/p>\n

 <\/p>\n

Pete Christiansen — Citi — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

\u3053\u3093\u306b\u3061\u306f\u3001\u7686\u3055\u3093\u3001\u3054\u8cea\u554f\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u975e\u5e38\u306b\u7d20\u6674\u3089\u3057\u3044\u7d50\u679c\u3067\u3042\u308b\u3053\u3068\u3092\u6539\u3081\u3066\u304a\u4f1d\u3048\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u79c1\u306f\u3001\u5e73\u5747\u30ed\u30fc\u30f3\u30b5\u30a4\u30ba\u306b\u3064\u3044\u3066\u3082\u3046\u5c11\u3057\u8a73\u3057\u304f\u77e5\u308a\u305f\u3044\u3068\u601d\u3044\u307e\u3057\u305f\u3002AI\u306e\u5909\u66f4\u306b\u3088\u308a\u3001\u6700\u4f4e\u91d1\u984d\u304c\u524a\u9664\u3055\u308c\u305f\u3068\u304a\u3063\u3057\u3083\u3063\u3066\u3044\u307e\u3057\u305f\u306d\u3002<\/b><\/p>\n

 <\/p>\n

\u307e\u305f\u3001\u653f\u5e9c\u306e\u652f\u51fa\u304c\u8caf\u84c4\u3092\u5897\u3084\u3057\u305f\u3068\u3044\u3046\u4e3b\u5f35\u3082\u3067\u304d\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u78ba\u304b\u306b\u3001\u305d\u308c\u3089\u306f\u8ca2\u732e\u3057\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u50b5\u52d9\u6574\u7406\u3068\u4ed6\u306e\u7528\u9014\uff08\u4f11\u6687\u3084\u5bb6\u306e\u4fee\u7e55\u306a\u3069\uff09\u3068\u306e\u9593\u3067\u3001\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u306e\u5909\u5316\u3084\u9855\u8457\u306a\u5909\u5316\u304c\u3042\u3063\u305f\u304b\u3069\u3046\u304b\u3092\u77e5\u308a\u305f\u3044\u306e\u3067\u3059\u3002\u305d\u3053\u306b\u4f55\u304b\u6839\u672c\u7684\u306a\u9032\u5c55\u304c\u3042\u3063\u305f\u304b\u3069\u3046\u304b\u3092\u77e5\u308a\u305f\u3044\u306e\u3067\u3059\u304c\u3002\u305d\u306e\u5f8c\u3001\u30d5\u30a9\u30ed\u30fc\u30a2\u30c3\u30d7\u304c\u3042\u308a\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

Sanjay Datta — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u306f\u3044\u3001\u305d\u3046\u3067\u3059\u3002\u3054\u8cea\u554f\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u3053\u3061\u3089\u306f\u30b5\u30f3\u30b8\u30a7\u30a4\u3067\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u306b\u305d\u308c\u307b\u3069\u5927\u304d\u306a\u5909\u5316\u306f\u306a\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306e\u30e2\u30c7\u30eb\u306e\u5185\u90e8\u3067\u306f\u3001\u3055\u307e\u3056\u307e\u306a\u7d44\u307f\u5408\u308f\u305b\u304c\u884c\u308f\u308c\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002Dave\u304c\u8ff0\u3079\u305f\u4f8b\u306f\u3001\u30de\u30fc\u30b8\u30f3\u306b\u304a\u3044\u3066\u3001\u4f4e\u984d\u30ed\u30fc\u30f3\u3078\u306e\u30df\u30c3\u30af\u30b9\u3092\u5909\u66f4\u3059\u308b\u4e00\u4f8b\u3067\u3059\u304c\u3001\u5f53\u793e\u306e\u30e2\u30c7\u30eb\u306b\u306f\u4ed6\u306b\u3082\u5909\u66f4\u70b9\u304c\u3042\u308a\u3001\u6642\u9593\u306e\u7d4c\u904e\u3068\u3068\u3082\u306b\u3001\u3088\u308a\u5e83\u3044\u7bc4\u56f2\u3067\u7af6\u5408\u3059\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u5f53\u793e\u306e\u80fd\u529b\u304c\u30d7\u30e9\u30a4\u30e0\u5c64\u306e\u4e0b\u65b9\u306b\u62e1\u5927\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u610f\u5473\u3057\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u3082\u3061\u308d\u3093\u3001\u3053\u308c\u306f\u30ed\u30fc\u30f3\u30b5\u30a4\u30ba\u306e\u69cb\u6210\u306b\u3082\u5f71\u97ff\u3092\u4e0e\u3048\u307e\u3059\u3002\u307e\u305f\u3001\u7d4c\u6e08\u306b\u306f\u30de\u30af\u30ed\u7684\u306a\u5f71\u97ff\u304c\u7d9a\u3044\u3066\u3044\u308b\u3068\u601d\u308f\u308c\u307e\u3059\u304c\u3001\u305d\u308c\u3092\u6e2c\u5b9a\u3059\u308b\u306e\u306f\u5c11\u3057\u96e3\u3057\u3044\u3067\u3059\u3002\u3057\u304b\u3057\u3001COVID\u304c\u5c0e\u5165\u3055\u308c\u3066\u4ee5\u6765\u3001\u304b\u306a\u308a\u660e\u78ba\u306a\u50be\u5411\u304c\u898b\u3089\u308c\u3066\u304a\u308a\u3001\u305d\u308c\u306f\u7de9\u548c\u3055\u308c\u3064\u3064\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u304c\u3001\u307e\u3060\u76ee\u306b\u898b\u3048\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

Pete Christiansen — Citi — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u53c2\u8003\u306b\u306a\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u4f9b\u7d66\u9762\u3067\u306f\u3001\u6295\u8cc7\u5bb6\u3068\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3092\u62e1\u5927\u3055\u308c\u3066\u3044\u307e\u3059\u306d\u3002\u6700\u8fd1\u3067\u306f\u3001\u6295\u8cc7\u5bb6\u306e\u30ed\u30fc\u30f3\u9700\u8981\u3092\u6e80\u305f\u3059\u3060\u3051\u306e\u5341\u5206\u306a\u9700\u8981\u304c\u306a\u304b\u3063\u305f\u3053\u3068\u3082\u77e5\u3063\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u73fe\u5728\u306e\u9700\u7d66\u30d0\u30e9\u30f3\u30b9\u306b\u3064\u3044\u3066\u3001\u7b2c\u4e09\u8005\u3067\u3042\u308b\u6295\u8cc7\u5bb6\u304c\u5341\u5206\u306a\u4f9b\u7d66\u3092\u5f97\u3089\u308c\u3066\u3044\u308b\u304b\u3069\u3046\u304b\u3001\u307e\u305f\u4ed6\u306e\u5236\u7d04\u304c\u3042\u308b\u304b\u3069\u3046\u304b\u306b\u3064\u3044\u3066\u304a\u805e\u304b\u305b\u9858\u3048\u307e\u305b\u3093\u304b\uff1f\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

Sanjay Datta — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u4f9b\u7d66\u9762\u3067\u306f\u3001\u9280\u884c\u3068\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u306e\u6570\u304c\u9806\u8abf\u306b\u5897\u52a0\u3057\u3066\u3044\u308b\u3053\u3068\u306b\u52a0\u3048\u3001\u6a5f\u95a2\u6295\u8cc7\u5bb6\u306e\u4e16\u754c\u306b\u6d41\u308c\u308b\u6295\u8cc7\u984d\u3082\u5897\u52a0\u3057\u3066\u304a\u308a\u3001\u78ba\u304b\u306b\u5805\u8abf\u306b\u63a8\u79fb\u3057\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u79c1\u305f\u3061\u306f\u3053\u308c\u307e\u3067\u3068\u307b\u307c\u540c\u3058\u5e73\u8861\u72b6\u614b\u306b\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u7d4c\u6e08\u7684\u306b\u3082\u5229\u76ca\u7684\u306b\u3082\u501f\u308a\u624b\u3092\u898b\u3064\u3051\u308b\u3053\u3068\u304c\u3001\u79c1\u305f\u3061\u306e\u6210\u9577\u3092\u5236\u9650\u3059\u308b\u8981\u56e0\u306b\u306a\u308b\u50be\u5411\u304c\u3042\u308a\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u3053\u308c\u306f\u3001\u7d4c\u6e08\u7684\u306b\u3082\u5229\u76ca\u7684\u306b\u3082\u3001\u501f\u308a\u624b\u3092\u898b\u3064\u3051\u308b\u3053\u3068\u304c\u5f53\u793e\u306e\u6210\u9577\u306e\u9650\u754c\u3068\u306a\u308b\u50be\u5411\u304c\u3042\u308a\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

Pete Christiansen — Citi — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

\u53c2\u8003\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u3042\u308a\u304c\u3068\u3046\u3001\u7686\u3055\u3093\u3002<\/b><\/p>\n

 <\/p>\n

Sanjay Datta — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/b><\/p>\n

 <\/p>\n

\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30b7\u30e5\u30df\u30c3\u30c8 — \u30a4\u30f3\u30d9\u30b9\u30bf\u30fc\u30fb\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30ba\u62c5\u5f53\u526f\u793e\u9577<\/b><\/p>\n

 <\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3001\u30d4\u30fc\u30c8\u3002\u6b21\u306e\u8cea\u554f\u3092\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/b><\/p>\n

 <\/p>\n

\u6b21\u306e\u8cea\u554f\u306f\u3001\u30d0\u30f3\u30af\u30fb\u30aa\u30d6\u30fb\u30a2\u30e1\u30ea\u30ab\u306e\u30ca\u30c3\u30c8\u30fb\u30b7\u30f3\u30c9\u30e9\u30fc\u3055\u3093\u304b\u3089\u304a\u9858\u3044\u3057\u307e\u3059\u3002\u3069\u3046\u305e\u304a\u9032\u307f\u304f\u3060\u3055\u3044\u3002<\/b><\/p>\n

 <\/p>\n

\u30ca\u30c3\u30c8\u30fb\u30b7\u30f3\u30c9\u30e9\u30fc — \u30d0\u30f3\u30af\u30aa\u30d6\u30a2\u30e1\u30ea\u30ab\u30fb\u30e1\u30ea\u30eb\u30ea\u30f3\u30c1 — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

\u306f\u3044\u3001\u3053\u3093\u306b\u3061\u306f\u3002\u3069\u3046\u3082\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u8cea\u554f\u306e\u524d\u306b\u3001\u79c1\u306e\u540c\u50da\u3067\u3042\u308b\u30bb\u30eb\u30b5\u30a4\u30c9\u306e\u4eba\u305f\u3061\u3068\u3061\u3087\u3063\u3068\u3057\u305f\u610f\u898b\u4ea4\u63db\u3092\u3057\u305f\u3044\u306e\u3067\u3059\u304c\u3001\u304b\u306a\u308a\u5370\u8c61\u7684\u306a\u7d50\u679c\u3067\u3042\u308a\u3001\u307e\u305f\u597d\u8abf\u306a\u56db\u534a\u671f\u3067\u3057\u305f\u306d\u3002<\/b><\/p>\n

 <\/p>\n

\u79c1\u306e\u30ad\u30e3\u30ea\u30a2\u306e\u4e2d\u3067\u306f\u521d\u3081\u3066\u306e\u3053\u3068\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u30014\u6841\u306e\u6210\u9577\u3068\u3044\u3046\u3068\u5c11\u3057\u63a7\u3048\u3081\u306a\u5370\u8c61\u3092\u53d7\u3051\u307e\u3059\u3002\u3055\u3089\u306b\u5370\u8c61\u7684\u306a\u306e\u306f\u3001\u6700\u521d\u306b\u304a\u3063\u3057\u3083\u3063\u3066\u3044\u305f\u3088\u3046\u306b\u3001\u3053\u308c\u306f\u6628\u5e74\u306e\u7b2c2\u56db\u534a\u671f\u306b\u53ce\u76ca\u304c\u6e1b\u5c11\u3057\u305f\u3053\u3068\u3092\u5dee\u3057\u5f15\u3044\u3066\u3082\u3001\u305d\u306e\u53cd\u52d5\u306b\u3088\u308b\u3082\u306e\u3067\u3059\u3002\u3057\u304b\u3057\u300119\u5e74\u306e\u7b2c2\u56db\u534a\u671f\u3068\u6bd4\u8f03\u3059\u308b\u3068\u3001\u524d\u5e74\u540c\u671f\u6bd4\u30675\u500d\u3082\u306e\u6210\u9577\u304c\u898b\u3089\u308c\u307e\u3059\u3002\u307e\u305f\u3001\u30c8\u30e9\u30f3\u30b9\u30e6\u30cb\u30aa\u30f3\u793e\u306e\u30c7\u30fc\u30bf\u3084\u500b\u4eba\u30ed\u30fc\u30f3\u5e02\u5834\u306b\u95a2\u3059\u308b\u305d\u306e\u4ed6\u306e\u30c7\u30fc\u30bf\u3092\u898b\u308b\u3068\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u6b8b\u9ad8\u304c\u6e1b\u5c11\u3057\u3066\u3044\u308b\u305f\u3081\u3001\u500b\u4eba\u30ed\u30fc\u30f3\u5e02\u5834\u306f\u4f9d\u7136\u3068\u3057\u3066\u6e1b\u5c11\u3057\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u30d5\u30a9\u30ef\u30fc\u30c9\u30ac\u30a4\u30c0\u30f3\u30b9\u3067\u306f\u3001\u3053\u308c\u307e\u3067\u306e\u72b6\u6cc1\u306b\u5909\u5316\u306f\u306a\u3044\u3068\u304a\u3063\u3057\u3083\u3063\u3066\u3044\u307e\u3057\u305f\u306d\u3002\u3057\u304b\u3057\u3001\u8003\u3048\u3066\u307f\u308b\u3068\u3001\u3088\u308a\u6b63\u5e38\u306a\u500b\u4eba\u30ed\u30fc\u30f3\u5e02\u5834\u3067\u306f\u3001\u304a\u305d\u3089\u304f\u4eca\u5e74\u306e\u4e0a\u534a\u671f\u306b\u306f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u6b8b\u9ad8\u304c\u5897\u52a0\u3057\u3001\u666f\u6c17\u523a\u6fc0\u7b56\u306b\u3088\u3063\u3066\u500b\u4eba\u30ed\u30fc\u30f3\u306e\u5fc5\u8981\u6027\u304c\u4f4e\u4e0b\u3057\u3066\u3044\u305f\u3068\u601d\u308f\u308c\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

Dave Girouard — \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u3084\u3042\u3001\u30de\u30c3\u30c8\u3002Dave\u3067\u3059\u3002\u3082\u3061\u308d\u3093\u3001\u63a8\u6e2c\u3059\u308b\u306e\u306f\u975e\u5e38\u306b\u96e3\u3057\u3044\u3053\u3068\u3067\u3059\u3002\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u3068\u3044\u3046\u5e02\u5834\u306b\u5927\u304d\u306a\u6df7\u4e71\u3092\u3082\u305f\u3089\u3057\u305f\u3053\u3068\u3067\u3001\u30ea\u30fc\u30c0\u30fc\u30b7\u30c3\u30d7\u3068\u5e02\u5834\u30b7\u30a7\u30a2\u304c\u5909\u5316\u3057\u305f\u3053\u3068\u306f\u78ba\u304b\u3060\u3068\u601d\u3063\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u4e0d\u6cc1\u3067\u3042\u308c\u3001\u305d\u306e\u4ed6\u306e\u51fa\u6765\u4e8b\u3067\u3042\u308c\u3001\u5e02\u5834\u304c\u53b3\u3057\u3044\u72b6\u6cc1\u306b\u306a\u308b\u3068\u3001\u5f37\u3055\u3068\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306e\u9055\u3044\u304c\u5982\u5b9f\u306b\u73fe\u308c\u3066\u304d\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u305d\u308c\u304c\u5b9f\u969b\u306b\u8d77\u3053\u3063\u305f\u3053\u3068\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u3060\u304b\u3089\u3053\u305d\u3001\u3053\u306e\u6642\u671f\u306b\u8d77\u304d\u305f\u975e\u5e38\u306b\u5927\u304d\u306a\u5e02\u5834\u30b7\u30a7\u30a2\u306e\u62e1\u5927\u306a\u3069\u304c\u8aac\u660e\u3067\u304d\u308b\u306e\u3067\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u3082\u3057\u3053\u306e\u6df7\u4e71\u304c\u306a\u304b\u3063\u305f\u3089\u3069\u3046\u306a\u3063\u3066\u3044\u305f\u304b\u3092\u6b63\u78ba\u306b\u8a00\u3046\u306e\u306f\u5c11\u3057\u96e3\u3057\u3044\u3067\u3059\u306d\u3002<\/b><\/p>\n

 <\/p>\n

\u79c1\u305f\u3061\u306f\u826f\u3044\u65b9\u5411\u306b\u9032\u3093\u3067\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306e\u6027\u8cea\u3084\u3001\u9280\u884c\u3084\u8cb8\u3057\u624b\u3001\u6d88\u8cbb\u8005\u306b\u4e00\u6642\u7684\u306a\u30b9\u30c8\u30ec\u30b9\u3092\u4e0e\u3048\u305f\u3053\u3068\u306a\u3069\u3001\u3059\u3079\u3066\u306e\u4e0d\u78ba\u5b9f\u6027\u304c\u79c1\u305f\u3061\u306e\u5f37\u307f\u306b\u306a\u308a\u3001\u79c1\u305f\u3061\u306b\u5229\u76ca\u3092\u3082\u305f\u3089\u3057\u3066\u304f\u308c\u305f\u3068\u601d\u3044\u307e\u3059\u3002\u79c1\u306f\u305d\u306e\u3088\u3046\u306b\u89e3\u91c8\u3057\u3066\u3044\u307e\u3059\u3002\u3082\u3061\u308d\u3093\u3001\u53bb\u5e74\u306e\u72b6\u6cc1\u304c\u9055\u3063\u3066\u3044\u305f\u3089\u3069\u3046\u306a\u3063\u3066\u3044\u305f\u304b\u3092\u63a8\u6e2c\u3059\u308b\u3053\u3068\u306f\u307b\u3068\u3093\u3069\u4e0d\u53ef\u80fd\u3067\u3059\u3002<\/b><\/p>\n

\u30ca\u30c3\u30c8\u30fb\u30b7\u30f3\u30c9\u30e9\u30fc — \u30d0\u30f3\u30af\u30aa\u30d6\u30a2\u30e1\u30ea\u30ab\u30fb\u30e1\u30ea\u30eb\u30ea\u30f3\u30c1 — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

\u305d\u3046\u3067\u3059\u306d\u3002\u3057\u304b\u3057\u3001\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u696d\u754c\u306e\u7af6\u5408\u4ed6\u793e\u306b\u306f\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306e\u5f71\u97ff\u3092\u53d7\u3051\u305f\u3088\u3046\u306a\u3001\u5b8c\u5168\u306a\u30aa\u30f3\u30e9\u30a4\u30f3\u30d3\u30b8\u30cd\u30b9\u306a\u3069\u306e\u5f37\u307f\u3092\u6301\u3064\u4f01\u696d\u306f\u306a\u3044\u306e\u3067\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u30022019\u5e74\u7b2c2\u56db\u534a\u671f\u306b5\u500d\u306e\u6210\u9577\u3092\u3057\u3066\u3044\u308b\u3068\u306f\u601d\u3048\u307e\u305b\u3093\u3002\u3053\u306e\u5206\u91ce\u3067\u305d\u306e\u3088\u3046\u306a\u6210\u9577\u3092\u3057\u3066\u3044\u308b\u4f01\u696d\u3092\u805e\u3044\u305f\u3053\u3068\u304c\u3042\u308a\u307e\u305b\u3093\u3002<\/b><\/p>\n

 <\/p>\n

\u660e\u3089\u304b\u306b\u30b7\u30a7\u30a2\u3092\u53d6\u3063\u3066\u3044\u307e\u3059\u306d\u3002\u305d\u308c\u306f\u3001\u3088\u308a\u826f\u3044\u30de\u30a6\u30b9\u30c8\u30e9\u30c3\u30d7\u306b\u4f55\u304b\u3092\u8a9e\u3063\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u500b\u4eba\u5411\u3051\u30ed\u30fc\u30f3\u5e02\u5834\u304c\u4eca\u306e\u3088\u3046\u306b\u7e2e\u5c0f\u3059\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u5b9f\u969b\u306b\u6210\u9577\u3059\u308b\u3088\u3046\u306a\u6b63\u5e38\u306a\u5e02\u5834\u306b\u79fb\u884c\u3059\u308b\u305f\u3081\u306b\u306f\u3001\u3069\u306e\u3088\u3046\u306b\u3057\u3066\u3053\u306e\u72b6\u6cc1\u3092\u6b63\u5e38\u5316\u3057\u3066\u3044\u304f\u3079\u304d\u306a\u306e\u304b\u3092\u8003\u3048\u59cb\u3081\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002<\/b><\/p>\n

 <\/p>\n

Dave Girouard — \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u3048\u3048\u3001\u3061\u3087\u3063\u3068\u96e3\u3057\u3044\u3068\u8a00\u3044\u307e\u3059\u304b\u3002\u3064\u307e\u308a\u3001\u5148\u307b\u3069Sanjay\u304c\u8a00\u3063\u305f\u3088\u3046\u306b\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u306e\u9700\u8981\u30b5\u30a4\u30c9\u304c\u307e\u3060\u843d\u3061\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u305d\u308c\u304c\u3044\u3064\u5909\u5316\u3059\u308b\u304b\u306f\u308f\u304b\u308a\u307e\u305b\u3093\u3002<\/b><\/p>\n

 <\/p>\n

\u305d\u308c\u3092\u5f53\u3066\u306b\u3057\u3066\u3044\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u5f53\u793e\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u306b\u306f\u3001\u305d\u306e\u3088\u3046\u306a\u4eee\u5b9a\u306f\u4e00\u5207\u542b\u3081\u3066\u3044\u307e\u305b\u3093\u3002\u3057\u304b\u3057\u3001\u79c1\u305f\u3061\u304c\u5229\u76ca\u3092\u5f97\u3089\u308c\u305f\u306e\u306f\u3001\u79c1\u305f\u3061\u306e\u4fe1\u7528\u304c\u56de\u5fa9\u529b\u306b\u5bcc\u307f\u3001\u53cd\u5fdc\u304c\u826f\u304b\u3063\u305f\u304b\u3089\u3067\u3042\u308a\u3001\u9280\u884c\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u3084\u6295\u8cc7\u5bb6\u3082\u305d\u308c\u3092\u7406\u89e3\u3057\u3066\u304f\u308c\u307e\u3057\u305f\u3002\u305d\u306e\u7d50\u679c\u3001\u65e9\u671f\u306b\u5fa9\u5e30\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3057\u305f\u3002<\/b><\/p>\n

 <\/p>\n

\u666f\u6c17\u304c\u6b63\u5e38\u5316\u3057\u305f\u3068\u8ab0\u3082\u304c\u8003\u3048\u308b\u3088\u3046\u306b\u306a\u308c\u3070\u3001\u305d\u308c\u304c\u3069\u3046\u3044\u3046\u610f\u5473\u3067\u3042\u308c\u3001\u5931\u696d\u7387\u304cCOVID\u4ee5\u524d\u306e\u6c34\u6e96\u306b\u623b\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u305d\u3046\u306a\u308c\u3070\u3001\u8ab0\u3082\u304c\u3001\u5f53\u793e\u3068\u63d0\u643a\u3057\u3066\u3044\u306a\u3044\u4ed6\u306e\u9280\u884c\u3082\u3001\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306e\u7af6\u5408\u4f01\u696d\u3082\u3001\u5e02\u5834\u3067\u3088\u308a\u591a\u304f\u306e\u6d3b\u52d5\u3092\u76ee\u306b\u3059\u308b\u3053\u3068\u306b\u306a\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u524d\u306e\u3088\u3046\u306b\u3001\u4eba\u3005\u304c\u3088\u308a\u591a\u304f\u306e\u6d88\u8cbb\u3092\u3057\u305f\u308a\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u3092\u5229\u7528\u3057\u305f\u308a\u3059\u308b\u3053\u3068\u3067\u9700\u8981\u304c\u9ad8\u307e\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u3001\u305d\u308c\u3092\u671f\u5f85\u3057\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3057\u304b\u3057\u3001\u30b2\u30fc\u30e0\u306b\u5fa9\u5e30\u3057\u3001\u6210\u9577\u306b\u5b8c\u5168\u306b\u96c6\u4e2d\u3057\u3066\u3044\u308b\u7af6\u4e89\u76f8\u624b\u3082\u5897\u3048\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u305d\u306e\u7d50\u679c\u3069\u3046\u306a\u308b\u306e\u304b\u3001\u79c1\u305f\u3061\u304c\u5224\u65ad\u3059\u308b\u306e\u306f\u5c11\u3057\u96e3\u3057\u3044\u306e\u3067\u3059\u304c\u3001\u3053\u306e\u3088\u3046\u306a\u30c0\u30a4\u30ca\u30df\u30af\u30b9\u304c\u4eca\u5f8c\u306e\u56db\u534a\u671f\u3067\u898b\u3089\u308c\u308b\u3068\u601d\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u30ca\u30c3\u30c8\u30fb\u30b7\u30f3\u30c9\u30e9\u30fc — \u30d0\u30f3\u30af\u30aa\u30d6\u30a2\u30e1\u30ea\u30ab\u30fb\u30e1\u30ea\u30eb\u30ea\u30f3\u30c1 — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u7686\u3055\u3093\u3001\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/b><\/p>\n

 <\/p>\n

Dave Girouard — \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3001\u30ca\u30c3\u30c8\u3002<\/b><\/p>\n

 <\/p>\n

\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30b7\u30e5\u30df\u30c3\u30c8 — \u30a4\u30f3\u30d9\u30b9\u30bf\u30fc\u30fb\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30ba\u62c5\u5f53\u526f\u793e\u9577<\/b><\/p>\n

 <\/p>\n

\u3054\u8cea\u554f\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3001\u30de\u30c3\u30c8\u3055\u3093\u3002\u3082\u3046\u3072\u3068\u3064\u8cea\u554f\u306e\u6642\u9593\u304c\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u3002<\/b><\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/b><\/p>\n

 <\/p>\n

\u306f\u3044\u3002\u6700\u5f8c\u306e\u8cea\u554f\u306f\u3001\u30b4\u30fc\u30eb\u30c9\u30de\u30f3\u30fb\u30b5\u30c3\u30af\u30b9\u306e\u30de\u30a4\u30af\u30fb\u30a6\u30f3\u3055\u3093\u3067\u3059\u3002\u3069\u3046\u305e\u304a\u9032\u307f\u304f\u3060\u3055\u3044\u3002<\/b><\/p>\n

 <\/p>\n

\u30a2\u30c0\u30e0\u30fb\u30db\u30c3\u30c1\u30ad\u30b9 — \u30b4\u30fc\u30eb\u30c9\u30de\u30f3\u30fb\u30b5\u30c3\u30af\u30b9 — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

\u3053\u3061\u3089\u306f\u30a2\u30c0\u30e0\u30fb\u30db\u30c3\u30c1\u30ad\u30b9\u3067\u3059\u3002\u8cea\u554f\u306b\u304a\u7b54\u3048\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u3053\u308c\u307e\u3067\u306e\u30aa\u30fc\u30c8\u30ed\u30fc\u30f3\u306e\u304a\u8a71\u3092\u3055\u308c\u305f\u3068\u601d\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u305d\u306e\u5546\u54c1\u306e\u30de\u30fc\u30b8\u30f3\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u304c\u5f93\u6765\u306e\u500b\u4eba\u5411\u3051\u30ed\u30fc\u30f3\u5546\u54c1\u3068\u6bd4\u3079\u3066\u3069\u3046\u306a\u306e\u304b\u3092\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002<\/b><\/p>\n

 <\/p>\n

Prodigy\u306b\u3064\u3044\u3066\u306f\u3001\u5e74\u521d\u304b\u3089\u8ca9\u58f2\u5e97\u30922\u500d\u306b\u5897\u3084\u3057\u305f\u3068\u306e\u3053\u3068\u3067\u3059\u304c\u3001\u3053\u308c\u306f\u304b\u306a\u308a\u901f\u3044\u30da\u30fc\u30b9\u3067\u306e\u6210\u9577\u3068\u601d\u308f\u308c\u307e\u3059\u3002\u305d\u306e\u539f\u52d5\u529b\u3068\u306a\u3063\u3066\u3044\u308b\u4f01\u696d\u5411\u3051\u8ca9\u58f2\u6226\u7565\u3068\u3001\u4e0a\u534a\u671f\u306b\u6bd4\u3079\u3066\u4e0b\u534a\u671f\u306e\u30d7\u30ed\u30c7\u30a3\u30b8\u30fc\u306e\u30da\u30fc\u30b9\u306b\u3064\u3044\u3066\u3001\u5c11\u3057\u304a\u8a71\u3044\u305f\u3060\u3051\u307e\u3059\u304b\uff1f<\/b><\/p>\n

 <\/p>\n

Sanjay Datta — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u30a2\u30c0\u30e0\u3001\u3053\u3061\u3089\u306f\u30b5\u30f3\u30b8\u30a7\u30a4\u3067\u3059\u3002\u3088\u3046\u3053\u305d\u3002\u304a\u5e30\u308a\u306a\u3055\u3044\u307e\u305b\u3002\u6700\u521d\u306e\u8cea\u554f\u306f\u79c1\u304c\u53d7\u3051\u307e\u3059\u304c\u30012\u756a\u76ee\u306e\u8cea\u554f\u306fDave\u306b\u304a\u4efb\u305b\u3057\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u3057\u304b\u3057\u3001\u81ea\u52d5\u8eca\u306b\u95a2\u3057\u3066\u306f\u3001\u30c7\u30a4\u30d6\u304c\u6211\u3005\u306e\u7acb\u3061\u4e0a\u3052\u306b\u95a2\u3057\u3066\u3044\u304f\u3064\u304b\u306e\u6570\u5b57\u3092\u63d0\u793a\u3057\u3066\u304f\u308c\u307e\u3057\u305f\u3002\u307e\u3060\u975e\u5e38\u306b\u521d\u671f\u306e\u6bb5\u968e\u3067\u3059\u3002\u3082\u3061\u308d\u3093\u3001\u7d50\u679c\u306f\u51fa\u59cb\u3081\u3066\u3044\u307e\u3059\u3057\u3001\u8fd4\u6e08\u5c65\u6b74\u3082\u3067\u304d\u3066\u304d\u3066\u3044\u307e\u3059\u3002\u30d5\u30a1\u30cd\u30eb\u3082\u524d\u6708\u6bd4\u3067\u6539\u5584\u3057\u59cb\u3081\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u3053\u306e\u3088\u3046\u306b\u3001\u6211\u3005\u306f\u826f\u3044\u65b9\u5411\u306b\u9032\u3093\u3067\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u30de\u30fc\u30b8\u30f3\u306b\u95a2\u3057\u3066\u306f\u3001\u307e\u3060\u975e\u5e38\u306b\u65e9\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u9280\u884c\u3084\u6295\u8cc7\u5bb6\u306e\u65b9\u3005\u3068\u5354\u529b\u3057\u3001\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u30d5\u30a1\u30cd\u30eb\u306b\u5bfe\u3059\u308b\u624b\u6570\u6599\u306e\u5f71\u97ff\u306a\u3069\u3092\u7406\u89e3\u3059\u308b\u306b\u306f\u3001\u307e\u3060\u521d\u671f\u6bb5\u968e\u306b\u3042\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u79c1\u305f\u3061\u306e\u4e88\u60f3\u3067\u306f\u3001\u30ed\u30fc\u30f3\u306f\u660e\u3089\u304b\u306b\u5927\u304d\u3044\u306e\u3067\u3001\u30ed\u30fc\u30f31\u4ef6\u3042\u305f\u308a\u306e\u53ce\u76ca\u306f\u9ad8\u304f\u306a\u308b\u3068\u601d\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u307e\u305f\u3001\u30ed\u30fc\u30f31\u4ef6\u3042\u305f\u308a\u306e\u8ca2\u732e\u5229\u76ca\u306f\u3001\u500b\u4eba\u5411\u3051\u30ed\u30fc\u30f3\u3068\u540c\u7a0b\u5ea6\u306b\u306a\u308b\u3068\u4e88\u60f3\u3057\u3066\u3044\u307e\u3059\u3002\u30ed\u30fc\u30f3\u306e\u898f\u6a21\u304c\u5927\u304d\u3044\u305f\u3081\u3001\u6bd4\u7387\u306f\u5c11\u3057\u7570\u306a\u308a\u307e\u3059\u304c\u3001\u3053\u308c\u304c\u73fe\u5728\u306e\u60f3\u5b9a\u3067\u3059\u3002<\/b><\/p>\n

 <\/p>\n

Dave Girouard — \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u305d\u3046\u3067\u3059\u306d\u30022\u3064\u76ee\u306e\u8cea\u554f\u3067\u3042\u308bAdam\u306f\u3001\u30d7\u30e9\u30a4\u30d0\u30b7\u30fc\u4fdd\u8b77\u30bd\u30d5\u30c8\u30a6\u30a7\u30a2\u306e\u5e02\u5834\u6295\u5165\u306b\u3064\u3044\u3066\u5c0b\u306d\u307e\u3057\u305f\u304c\u3001\u3069\u306e\u3088\u3046\u306b\u8003\u3048\u3066\u3044\u307e\u3059\u304b\uff1f\u306f\u3044\u3002\u5148\u307b\u3069\u7533\u3057\u4e0a\u3052\u305f\u3088\u3046\u306b\u3001\u4eca\u5e74\u306b\u5165\u3063\u3066\u304b\u3089\u30eb\u30fc\u30d5\u30c8\u30c3\u30d7\u306e\u6570\u30922\u500d\u306b\u5897\u3084\u3057\u307e\u3057\u305f\u3002<\/b><\/p>\n

 <\/p>\n

\u8cb7\u53ce\u306f\u4eca\u5e74\u306e\u521d\u3081\u306b\u884c\u308f\u308c\u307e\u3057\u305f\u3002Prodigy\u306f\u975e\u5e38\u306b\u512a\u308c\u305f\u88fd\u54c1\u3067\u3042\u308a\u3001\u30c1\u30fc\u30e0\u306f\u975e\u5e38\u306b\u5c0f\u898f\u6a21\u3067\u3042\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u3060\u304b\u3089\u3053\u305d\u3001\u79c1\u305f\u3061\u306b\u3068\u3063\u3066\u306f\u5927\u304d\u306a\u6295\u8cc7\u5206\u91ce\u306a\u306e\u3067\u3059\u3002\u5b9f\u969b\u3001\u79c1\u305f\u3061\u306f\u4f55\u5ea6\u3082\u8a00\u3063\u3066\u304d\u307e\u3057\u305f\u304c\u3001\u3053\u306e\u5206\u91ce\u306f\u5e02\u5834\u53c2\u5165\u306e\u305f\u3081\u306b\u904e\u5270\u306a\u6295\u8cc7\u3092\u3059\u308b\u3064\u3082\u308a\u3067\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u3053\u306e\u30c1\u30fc\u30e0\u306f\u4e3b\u306b\u30a4\u30f3\u30b5\u30a4\u30c9\u30bb\u30fc\u30eb\u30b9\u306e\u30c1\u30fc\u30e0\u3068\u8003\u3048\u3089\u308c\u3066\u304a\u308a\u3001\u8fc5\u901f\u306a\u5927\u91cf\u8ca9\u58f2\u306b\u975e\u5e38\u306b\u91cd\u70b9\u3092\u7f6e\u3044\u3066\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u304c\u6700\u3082\u91cd\u8996\u3057\u3066\u3044\u308b\u306e\u306f\u3001\u305d\u306e\u88fd\u54c1\u3092\u4f7f\u7528\u3059\u308b\u3053\u3068\u3067\u5f97\u3089\u308c\u308b\u53ce\u76ca\u304c\u3042\u308b\u3053\u3068\u3067\u3059\u304c\u3001\u305d\u308c\u306f\u9577\u671f\u7684\u306a\u53ce\u76ca\u5316\u8a08\u753b\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3082\u3061\u308d\u3093\u3001\u3053\u306e\u88fd\u54c1\u3092\u901a\u3058\u3066\u30af\u30ec\u30b8\u30c3\u30c8\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u4eca\u65e5\u306f\u3001\u55b6\u696d\u3068\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u306e\u4e21\u9762\u304b\u3089\u3001\u3053\u306e\u30c1\u30fc\u30e0\u3092\u8fc5\u901f\u306b\u7acb\u3061\u4e0a\u3052\u308b\u3053\u3068\u306b\u96c6\u4e2d\u3057\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u3068\u3044\u3046\u306e\u3082\u3001\u30d7\u30ed\u30c7\u30a3\u30b8\u30fc\u306f\u512a\u308c\u305f\u30ea\u30fc\u30c0\u30fc\u30b7\u30c3\u30d7\u3092\u6301\u3061\u3001\u6025\u901f\u306b\u6210\u9577\u3057\u3066\u304a\u308a\u3001\u3057\u304b\u3082\u975e\u5e38\u306b\u5c0f\u898f\u6a21\u306a\u30c1\u30fc\u30e0\u3067\u305d\u308c\u3092\u5b9f\u73fe\u3057\u3066\u3044\u308b\u304b\u3089\u3067\u3059\u3002\u305d\u306e\u305f\u3081\u306b\u3001\u4eca\u3001\u6295\u8cc7\u3092\u884c\u3063\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u56db\u534a\u671f\u3054\u3068\u306b\u5951\u7d04\u3059\u308b\u5c4b\u4e0a\u306e\u6570\u306b\u3064\u3044\u3066\u3001\u975e\u5e38\u306b\u7a4d\u6975\u7684\u306a\u76ee\u6a19\u3092\u63b2\u3052\u3066\u304a\u308a\u3001\u3053\u308c\u306b\u3064\u3044\u3066\u3082\u6ce8\u610f\u6df1\u304f\u898b\u5b88\u3063\u3066\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u30a2\u30c0\u30e0\u30fb\u30db\u30c3\u30c1\u30ad\u30b9 — \u30b4\u30fc\u30eb\u30c9\u30de\u30f3\u30fb\u30b5\u30c3\u30af\u30b9\u8a3c\u5238 — \u30a2\u30ca\u30ea\u30b9\u30c8<\/b><\/p>\n

 <\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3001Dave\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u672c\u5f53\u306b\u53c2\u8003\u306b\u306a\u308a\u307e\u3057\u305f\u3002<\/b><\/p>\n

 <\/p>\n

Dave Girouard — \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3001\u30a2\u30c0\u30e0\u3002<\/b><\/p>\n

 <\/p>\n

Sanjay Datta — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3001\u30a2\u30c0\u30e0\u3002<\/b><\/p>\n

 <\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/b><\/p>\n

 <\/p>\n

\u3053\u308c\u3067\u672c\u65e5\u306e\u8cea\u7591\u5fdc\u7b54\u306f\u7d42\u4e86\u3067\u3059\u3002\u6700\u5f8c\u306b\u3054\u6328\u62f6\u3092\u3044\u305f\u3060\u304d\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

Dave Girouard — \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/b><\/p>\n

 <\/p>\n

\u3053\u3093\u306b\u3061\u306f\u3001\u30c7\u30a4\u30d6\u3067\u3059\u3002\u3053\u3053\u3067\u7d42\u308f\u308a\u306b\u3057\u307e\u3059\u3002\u7e70\u308a\u8fd4\u3057\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u4eca\u56de\u306e\u7d50\u679c\u306b\u306f\u5f53\u7136\u6e80\u8db3\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u7d50\u679c\u306f\u3001\u79c1\u305f\u3061\u304c\u3069\u306e\u3088\u3046\u306a\u4f1a\u793e\u3092\u4f5c\u308d\u3046\u3068\u3057\u3066\u3044\u308b\u304b\u3092\u793a\u3057\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002<\/b><\/p>\n

 <\/p>\n

\u79c1\u305f\u3061\u306f\u3001\u4e16\u754c\u3067\u3082\u30c8\u30c3\u30d7\u30af\u30e9\u30b9\u306e\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u4f01\u696d\u3092\u4f5c\u308b\u30c1\u30e3\u30f3\u30b9\u304c\u3042\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u306a\u305c\u306a\u3089\u3001\u79c1\u305f\u3061\u306f\u975e\u5e38\u306b\u5927\u304d\u306a\u30b9\u30da\u30fc\u30b9\u306b\u3044\u308b\u304b\u3089\u3067\u3059\u3002\u3053\u306e\u5206\u91ce\u3067\u306f\u3001AI\u304c\u6700\u3082\u5927\u304d\u306a\u5909\u9769\u3092\u3082\u305f\u3089\u3057\u307e\u3059\u3002\u3060\u304b\u3089\u3053\u305d\u3001\u79c1\u305f\u3061\u306f\u8208\u596e\u3057\u3066\u3044\u308b\u306e\u3067\u3059\u3002\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8\u30c1\u30fc\u30e0\u306e\u7686\u3055\u3093\u3001\u7d50\u679c\u3092\u51fa\u3057\u3066\u304f\u308c\u3066\u3042\u308a\u304c\u3068\u3046\u3002<\/b><\/p>\n

 <\/p>\n

\u6b21\u306e\u56db\u534a\u671f\u3067\u304a\u4f1a\u3044\u3067\u304d\u308b\u306e\u3092\u697d\u3057\u307f\u306b\u3057\u3066\u3044\u307e\u3059\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/b><\/p>\n

Call participants:<\/b><\/p>\n

Jason Schmidt — Vice President, Investor Relations<\/b><\/p>\n

 <\/p>\n

Dave Girouard — Chief Executive Officer<\/b><\/p>\n

 <\/p>\n

Sanjay Datta — Chief Financial Officer<\/b><\/p>\n

 <\/p>\n

Ramsey El-Assal — Barclays Investment Bank — Analyst<\/b><\/p>\n

 <\/p>\n

Ron Josey — JMP Securities — Analyst<\/b><\/p>\n

 <\/p>\n

John Hecht — Jefferies — Analyst<\/b><\/p>\n

 <\/p>\n

Pete Christiansen — Citi — Analyst<\/b><\/p>\n

 <\/p>\n

Nat Schindler — Bank of America Merrill Lynch — Analyst<\/b><\/p>\n

 <\/p>\n

Adam Hotchkiss — Goldman Sachs — Analyst<\/b><\/p>\n

 <\/p>\n

More UPST analysis<\/b><\/p>\n

\u4ee5\u4e0a\u3067\u3059\u3002\u4ed6\u306e\u7ffb\u8a33\u5e0c\u671b\u304c\u3042\u308c\u3070\u3054\u9023\u7d61\u3044\u305f\u3060\u3051\u308c\u3070\u691c\u8a0e\u3044\u305f\u3057\u307e\u3059\u3002<\/b><\/p>\n

\uff0a\u8aa4\u8a33\u306a\u3069\u304c\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3067\u306e\u53c2\u8003\u7a0b\u5ea6\u306b\u3057\u3066\u3044\u305f\u3060\u304d\u6295\u8cc7\u306f\u81ea\u5df1\u5224\u65ad\u3067\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/b><\/p>\n

\"\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751<\/a>
\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Upstart Holdings, Inc. (NASDAQ:UPST)2021\u5e74\u7b2c2\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a\u306e\u65e5\u672c\u8a9e\u8a33\u3067\u3059\u3002 \u8aa4\u8a33\u304c\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u306e\u3067\u53c2\u8003\u7a0b\u5ea6\u3067\u304a\u9858\u3044\u3057\u307e\u3059\u3002 Upstart Holdings, Inc. … <\/p>\n","protected":false},"author":1,"featured_media":278,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[72],"tags":[129,131,76,130,77,105,87,83],"class_list":{"0":"post-277","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-72","8":"tag-upst","9":"tag-131","10":"tag-76","11":"tag-130","12":"tag-77","13":"tag-105","14":"tag-87","15":"tag-83"},"yoast_head":"\n\u3010\u548c\u8a33\u3011Upstart Holdings, Inc. 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