{"id":4045,"date":"2019-10-04T16:54:18","date_gmt":"2019-10-04T07:54:18","guid":{"rendered":"https:\/\/moneyforward.com\/mf_blog\/?p=4045"},"modified":"2019-10-21T13:45:45","modified_gmt":"2019-10-21T04:45:45","slug":"challenger","status":"publish","type":"post","link":"https:\/\/moneyforward.com\/mf_blog\/20191004\/challenger\/","title":{"rendered":"\u82f1\u56fd\u30c1\u30e3\u30ec\u30f3\u30b8\u30e3\u30fc\u30d0\u30f3\u30af\u304c\u76f4\u9762\u3059\u308b\u8cc7\u672c\u898f\u5236\u306e\u58c1"},"content":{"rendered":"\n<p>\u82f1\u56fd\u306b\u304a\u3044\u3066\u306f\u8fd1\u5e74\u3001\u30c1\u30e3\u30ec\u30f3\u30b8\u30e3\u30fc\u30d0\u30f3\u30af\u5236\u5ea6\u304c\u4fc3\u9032\u3055\u308c\u3066\u304d\u307e\u3057\u305f\u304c\u3001\u305d\u306e\u5916\u90e8\u74b0\u5883\u306b\u5909\u8abf\u304c\u898b\u3089\u308c\u3066\u3044\u307e\u3059\u3002<br><\/p>\n\n\n\n<p>2019\u5e749\u670830\u65e5\u4ed8<a href=\"https:\/\/www.ft.com\/content\/77ef93ec-e100-11e9-9743-db5a370481bc\">Financial Times\u7d19\u7b49\u306e\u5831\u9053<\/a>\u306b\u3088\u308c\u3070\u30e1\u30c8\u30ed\u30d0\u30f3\u30af\u3001CYBG\u3001\u30b5\u30f3\u30bf\u30f3\u30c7\u30fc\u30ebUK\u306a\u3069\u306e\u30c1\u30e3\u30ec\u30f3\u30b8\u30e3\u30fc\u30d0\u30f3\u30af\u304c\u82e6\u5883\u306b\u7acb\u305f\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u304c\u8ff0\u3079\u3089\u308c\u3066\u3044\u307e\u3059\u3002<br><\/p>\n\n\n\n<p>\u56fd\u51855\u756a\u76ee\u306e\u898f\u6a21\u3092\u8a87\u308b\u30b5\u30f3\u30bf\u30f3\u30c7\u30fc\u30eb\u306f\u3001\u682a\u4fa1\u304c9\u670825\u65e5\u306b\u7d0418\uff05\u4e0b\u843d\u3057\u307e\u3057\u305f\u3002\u305d\u306e\u80cc\u666f\u306b\u306f\u3001\u9280\u884c\u898f\u5236\u306e\u5f37\u5316\u3068Brexit\u306e\u5f71\u97ff\u304c\u3042\u3063\u305f\u3068\u3055\u308c\u307e\u3059\u3002\u540c\u65e5\u3001\u30e1\u30c8\u30ed\u30d0\u30f3\u30af\u3082\u50b5\u5238\u767a\u884c\u304c\u672a\u9054\u306b\u7d42\u308f\u3063\u305f\u3053\u3068\u3092\u53d7\u3051\u3066\u300130%\u3082\u306e\u682a\u4fa1\u4e0b\u843d\u304c\u307f\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u30f4\u30a1\u30fc\u30b8\u30f3\u30de\u30cd\u30fc\u9280\u884c\u3092\u8cb7\u53ce\u3057\u3001\u82f1\u56fd6\u756a\u76ee\u306e\u898f\u6a21\u306e\u9280\u884c\u3068\u306a\u3063\u305fCYBG\u3082\u3001\u540c\u793e\u306e\u682a\u4fa1\u304c4\u6708\u6bd4\u3067\u7d0450%\u843d\u3061\u8fbc\u3080\u7d50\u679c\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002<br><\/p>\n\n\n\n<p>\u30a4\u30f3\u30b0\u30e9\u30f3\u30c9\u9280\u884c\u306f\u9280\u884c\u696d\u306e\u65b0\u898f\u53c2\u5165\u653f\u7b56\u3068\u3057\u3066\u3001\u3053\u308c\u307e\u306710\u793e\u4ee5\u4e0a\u306e\u65b0\u898f\u9280\u884c\u514d\u8a31\u3092\u767a\u884c\u3057\u3066\u304d\u307e\u3057\u305f\u304c\u3001\u53c2\u5165\u5f8c\u306b\u5f85\u3063\u3066\u3044\u308b\u4e16\u754c\u89b3\u3068\u3057\u3066\u3001\u82f1\u56fd\u306e\u53b3\u3057\u3044\u8cc7\u672c\u8981\u4ef6\u304c\u5b58\u5728\u3057\u307e\u3059\u3002\u5177\u4f53\u7684\u306b\u306fEU\u570f\u3067\u3042\u308c\u3070\u7dcf\u8cc7\u75231,000\u5104\u30e6\u30fc\u30ed\u4ee5\u4e0a\u3001\u7c73\u56fd\u3067\u306f\u8cc7\u75232,500\u5104\u7c73\u30c9\u30eb\u4ee5\u4e0a\u306e\u91d1\u878d\u6a5f\u95a2\u306b\u306e\u307f\u8981\u4ef6\u304c\u8ab2\u3055\u308c\u308bMREL\uff08\u7834\u7dbb\u51e6\u7406\u6642\u306e\u640d\u5931\u5438\u53ce\u529b\u3068\u306a\u308b\u81ea\u5df1\u8cc7\u672c\u3068\u9069\u683c\u8ca0\u50b5\u306e\u8981\u4ef6\u3001\u8a73\u3057\u304f\u306f<a href=\"http:\/\/www.nicmr.com\/nicmr\/report\/repo\/2018\/2018aut01web.pdf\">\u5c0f\u7acb\u656c\u300c\u6b27\u5dde\u5927\u624b\u9280\u884c\u306b\u5bfe\u3059\u308bMREL\u306e\u9069\u7528\u300d\uff082018\uff09<\/a>\u3092\u53c2\u7167\uff09\u304c\u3001\u82f1\u56fd\u3067\u306f\u8cc7\u7523150\u5104\u30c9\u30eb\u4ee5\u4e0a\u306e\u91d1\u878d\u6a5f\u95a2\u306b\u9069\u7528\u3055\u308c\u308b\u305f\u3081\u3001\u5927\u624b\u306e\u30c1\u30e3\u30ec\u30f3\u30b8\u30e3\u30fc\u30d0\u30f3\u30af\u304c\u305d\u306e\u5bfe\u8c61\u3068\u306a\u308b\u3053\u3068\u304c\u6319\u3052\u3089\u308c\u307e\u3059\u3002<br><\/p>\n\n\n\n<p>UK Finance\u7b49\u306e\u9280\u884c\u696d\u754c\u56e3\u4f53\u306f\u3001MREL\u306a\u3069\u306e\u898f\u5236\u9069\u7528\u3092\u3001\u898f\u6a21\u306b\u5fdc\u3058\u305f\u5f62\u3067\u9069\u5207\u306b\u884c\u3046\u3079\u304d\u3068\u3057\u3066\u30ed\u30d3\u30fc\u6d3b\u52d5\u3092\u884c\u3063\u3066\u3044\u308b\u3088\u3046\u3067\u3059\u304c\u3001\u77ed\u671f\u7684\u306a\u89e3\u6c7a\u306f\u56f0\u96e3\u3068\u3044\u3046\u898b\u7acb\u3066\u304c\u3042\u308a\u307e\u3059\u3002\u30a4\u30f3\u30b0\u30e9\u30f3\u30c9\u9280\u884c\u306f\u300c\u696d\u754c\u306e\u61f8\u5ff5\u306b\u8033\u3092\u50be\u3051\u3001\u7af6\u4e89\u3092\u4fc3\u9032\u3059\u308b\u63aa\u7f6e\u3092\u8b1b\u3058\u3066\u3044\u308b\u300d\u3068\u4ed8\u3051\u52a0\u3048\u3066\u3044\u308b\u3082\u306e\u306e\u3001\u300c\u53c2\u5165\u969c\u58c1\u3092\u8a2d\u3051\u308b\u5236\u5ea6\u6574\u5099\u3092\u3057\u3066\u3044\u308b\u4ee5\u4e0a\u3001\u6210\u9577\u3078\u306e\u969c\u58c1\u304c\u751f\u307e\u308c\u3066\u3044\u308b\u3053\u3068\u3082\u307e\u305f\u81ea\u7136\u306a\u5e30\u7d50\u3060\u300d\u3068\u3082\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002<br><\/p>\n\n\n\n<p>\u4e00\u9023\u306e\u6d41\u308c\u3092\u53d7\u3051\u3066\u3001\u30c1\u30e3\u30ec\u30f3\u30b8\u30e3\u30fc\u30d0\u30f3\u30af\u306f\u5927\u5e45\u306a\u30b3\u30b9\u30c8\u524a\u6e1b\u3068\u696d\u52d9\u52b9\u7387\u6539\u5584\u3092\u8868\u660e\u3057\u3066\u304a\u308a\u3001\u30d7\u30ec\u30fc\u30e4\u30fc\u306e\u7d71\u5408\u304c\u9032\u3080\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u7279\u306b\u4eca\u5f8cBrexit\u306e\u5f71\u97ff\u304c\u53ca\u3076\u4e2d\u3067\u306f\u3001\u30c1\u30e3\u30ec\u30f3\u30b8\u30e3\u30fc\u30d0\u30f3\u30af\u304c\u8cb7\u53ce\u306e\u30bf\u30fc\u30b2\u30c3\u30c8\u306b\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u3002<br><\/p>\n\n\n\n<p>\u6d88\u8cbb\u8005\u5229\u4fbf\u306e\u9ad8\u3044\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u610f\u56f3\u3067\u59cb\u307e\u3063\u305f\u30c1\u30e3\u30ec\u30f3\u30b8\u30e3\u30fc\u30d0\u30f3\u30af\u5236\u5ea6\u306f\u3001\u30d7\u30ec\u30fc\u30e4\u30fc\u304c\u300c\u5341\u5206\u306b\u300d\u5927\u304d\u304f\u306a\u308b\u524d\u306b\u30b7\u30b9\u30c6\u30df\u30c3\u30af\u30ea\u30b9\u30af\u3092\u61f8\u5ff5\u3057\u305f\u898f\u5236\u30b3\u30b9\u30c8\u306e\u9ad8\u3055\u306b\u76f4\u9762\u3059\u308b\u3068\u3044\u3046\u653f\u7b56\u7684\u306a\u8ab2\u984c\u304c\u3001\u4eca\u56de\u6d6e\u304d\u5f6b\u308a\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u3042\u308b\u7a2e\u3001\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u306b\u95a2\u3059\u308b\u5236\u5ea6\u304c\u6700\u521d\u304b\u3089\u6b63\u89e3\u306b\u305f\u3069\u308a\u7740\u304f\u3053\u3068\u304c\u96e3\u3057\u3044\u70b9\u306e\u4e00\u4f8b\u3068\u3082\u3044\u3048\u308b\u3068\u8003\u3048\u3089\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u82f1\u56fd\u3067\u306f\u3001<a href=\"https:\/\/www.oaknorth.com\/\">OakNorth\u9280\u884c<\/a>\u304c\u8a2d\u7acb3\u5e74\u76ee\u306e2018\u5e74\u306b\u56fd\u5185\u521d\u306e\u9ed2\u5b57\u5316\u3092\u9054\u6210\u3057\u30012019\u5e742\u6708\u306b\u306f4\u51044,000\u4e07\u7c73\u30c9\u30eb\u306e\u8cc7\u91d1\u8abf\u9054\u3092\u5b9f\u65bd\u3059\u308b\u306a\u3069\u3001\u8e8d\u9032\u3092\u898b\u305b\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u6210\u529f\u4e8b\u4f8b\u3082\u3042\u308b\u4e2d\u3067\u3001\u9280\u884c\u696d\u754c\u306e\u6d3b\u6027\u5316\u306b\u5411\u3051\u305f\u653f\u7b56\u304c\u3069\u306e\u3088\u3046\u306b\u8abf\u6574\u3055\u308c\u3066\u3044\u304f\u306e\u304b\u3001\u52d5\u5411\u304c\u4eca\u5f8c\u3082\u6ce8\u76ee\u3055\u308c\u307e\u3059\u3002<br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u82f1\u56fd\u306b\u304a\u3044\u3066\u306f\u8fd1\u5e74\u3001\u30c1\u30e3\u30ec\u30f3\u30b8\u30e3\u30fc\u30d0\u30f3\u30af\u5236\u5ea6\u304c\u4fc3\u9032\u3055\u308c\u3066\u304d\u307e\u3057\u305f\u304c\u3001\u305d\u306e\u5916\u90e8\u74b0\u5883\u306b\u5909\u8abf\u304c\u898b\u3089\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n","protected":false},"author":10,"featured_media":4046,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-4045","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-global"],"acf":[],"_links":{"self":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/4045","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/comments?post=4045"}],"version-history":[{"count":4,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/4045\/revisions"}],"predecessor-version":[{"id":4072,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/4045\/revisions\/4072"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/media\/4046"}],"wp:attachment":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/media?parent=4045"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/categories?post=4045"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/tags?post=4045"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}