{"id":795,"date":"2025-09-12T09:20:01","date_gmt":"2025-09-12T00:20:01","guid":{"rendered":"https:\/\/factoringbest.com\/financing\/?p=795"},"modified":"2025-09-17T08:36:34","modified_gmt":"2025-09-16T23:36:34","slug":"roa-roe-profitability-bank-rating","status":"publish","type":"post","link":"https:\/\/factoringbest.com\/financing\/financial-management-analysis\/roa-roe-profitability-bank-rating\/","title":{"rendered":"\u3010\u56f3\u89e3\u3011ROA\u30fbROE\u3068\u306f\uff1f\u81ea\u793e\u306e\u53ce\u76ca\u6027\u3092\u5206\u6790\u3057\u3001\u9280\u884c\u8a55\u4fa1\u3092\u9ad8\u3081\u308b\u65b9\u6cd5"},"content":{"rendered":"\n<p>\u300c\u9280\u884c\u306f\u3001\u3046\u3061\u306e\u4f1a\u793e\u3092\u3069\u3046\u8a55\u4fa1\u3057\u3066\u3044\u308b\u3093\u3060\u308d\u3046\u2026\uff1f\u300d<br>\u6c7a\u7b97\u66f8\u3092\u63d0\u51fa\u3059\u308b\u305f\u3073\u3001\u878d\u8cc7\u306e\u53ef\u5426\u3092\u524d\u306b\u80f8\u304c\u3056\u308f\u3064\u304f\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u304b\uff1f<\/p>\n\n\n\n<p>\u306f\u3058\u3081\u307e\u3057\u3066\u3002\u5143\u9280\u884c\u306e\u878d\u8cc7\u62c5\u5f53\u3068\u3057\u306610\u5e74\u9593\u3001\u6570\u3048\u304d\u308c\u306a\u3044\u6c7a\u7b97\u66f8\u3068\u5411\u304d\u5408\u3063\u3066\u304d\u305f\u4f50\u85e4\u3068\u7533\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u305d\u306e\u7d4c\u9a13\u304b\u3089\u65ad\u8a00\u3057\u307e\u3059\u3002\u9280\u884c\u304c\u3042\u306a\u305f\u306e\u4f1a\u793e\u306e\u300c\u7a3c\u3050\u529b\u300d\u3092\u5224\u65ad\u3059\u308b\u4e0a\u3067\u3001\u6700\u91cd\u8981\u8996\u3057\u3066\u3044\u308b\u6307\u6a19\u304c\u305f\u3063\u305f2\u3064\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u305d\u308c\u304c<strong>\u300cROA\uff08\u7dcf\u8cc7\u7523\u5229\u76ca\u7387\uff09\u300d\u3068\u300cROE\uff08\u81ea\u5df1\u8cc7\u672c\u5229\u76ca\u7387\uff09\u300d<\/strong>\u3067\u3059\u3002<\/p>\n\n\n<div class=\"swell-block-balloon\"><div class=\"c-balloon -bln-left\" data-col=\"yellow\"><div class=\"c-balloon__icon -circle\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/factoringbest.com\/financing\/wp-content\/uploads\/2025\/03\/satopuro-150x150.jpg\" alt=\"\" class=\"c-balloon__iconImg\" width=\"80px\" height=\"80px\"><span class=\"c-balloon__iconName\">\u4f50\u85e4 \u771f\u7531\u7f8e<\/span><\/div><div class=\"c-balloon__body -speaking -border-on\"><div class=\"c-balloon__text\">\n<p>\u3054\u5b89\u5fc3\u304f\u3060\u3055\u3044\u3002\u3053\u306e\u8a18\u4e8b\u3067\u306f\u3001\u5358\u306a\u308b\u8a08\u7b97\u5f0f\u306e\u89e3\u8aac\u306f\u3057\u307e\u305b\u3093\u3002\u5143\u9280\u884c\u54e1\u306e\u8996\u70b9\u304b\u3089\u300c\u9280\u884c\u304c\u8a55\u4fa1\u3057\u305f\u304f\u306a\u308b\u6570\u5b57\u306e\u4f5c\u308a\u65b9\u300d\u3092\u5fb9\u5e95\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<span class=\"c-balloon__shapes\"><span class=\"c-balloon__before\"><\/span><span class=\"c-balloon__after\"><\/span><\/span><\/div><\/div><\/div><\/div>\n\n\n<p>\u3053\u306e\u8a18\u4e8b\u3092\u8aad\u307f\u7d42\u3048\u308b\u9803\u306b\u306f\u3001\u3042\u306a\u305f\u306f\u81ea\u793e\u306e\u53ce\u76ca\u6027\u3092\u660e\u78ba\u306b\u628a\u63e1\u3057\u3001\u9280\u884c\u8a55\u4fa1\u3092\u9ad8\u3081\u308b\u305f\u3081\u306e\u5177\u4f53\u7684\u306a3\u3064\u306e\u30a2\u30af\u30b7\u30e7\u30f3\u30d7\u30e9\u30f3\u3092\u624b\u306b\u3057\u3066\u3044\u308b\u306f\u305a\u3067\u3059\u3002<\/p>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile is-style-card\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" src=\"https:\/\/vaticantapes.com\/wp-content\/uploads\/2025\/03\/image2-1024x577.jpg\" alt=\"\" class=\"wp-image-790 size-full\"\/><\/figure><div class=\"wp-block-media-text__content\">\n<p><strong><span style=\"font-size:18px\" class=\"swl-fz\">\ud83d\udd04 \u660e\u65e5\u306e\u8cc7\u91d1\u7e70\u308a\u3092\u4eca\u65e5\u89e3\u6c7a\u3059\u308b\u6700\u77ed\u30eb\u30fc\u30c8<\/span><\/strong><br><br>\u2517 \u6700\u77ed3\u6642\u9593\u3067\u306e\u8cc7\u91d1\u8abf\u9054\u3092\u5b9f\u73fe<br>\u2517 \u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u6539\u5584\u306b\u7279\u5316\u3057\u305f\u5c02\u9580\u63d0\u6848<br>\u2517 \u7d4c\u55b6\u5371\u6a5f\u3092\u672a\u7136\u306b\u9632\u3050\u8cc7\u91d1\u6226\u7565\u30b5\u30dd\u30fc\u30c8<br><br><strong><span class=\"swl-inline-color has-swl-main-color\"><span class=\"swl-marker mark_orange\">\u3010\u58f2\u639b\u91d1\u3092\u5373\u73fe\u91d1\u5316\u3011\u30d5\u30a1\u30af\u30bf\u30ea\u30f3\u30b0\u3067\u8cc7\u91d1\u7e70\u308a\u306e\u4e0d\u5b89\u3092\u89e3\u6d88<\/span><\/span><\/strong><\/p>\n\n\n\n<div class=\"swell-block-button is-style-more_btn\"><a href=\"https:\/\/factoringbest.com\/33\/\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"swell-block-button__link\"><span>\u30d5\u30a1\u30af\u30bf\u30ea\u30f3\u30b0\u30d9\u30b9\u30c8\u516c\u5f0f\u30b5\u30a4\u30c8<\/span><\/a><\/div>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udee1\ufe0f<strong>\u3053\u306e\u8a18\u4e8b\u306e\u76e3\u4fee\u8005\uff08\u904b\u55b6\u4f1a\u793e\u30fb\u7a0e\u7406\u58eb\u306b\u3088\u308b\u5171\u540c\u76e3\u4fee\uff09<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile is-style-card\" style=\"grid-template-columns:28% auto\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" src=\"https:\/\/webbranding.pro\/factoring\/wp-content\/uploads\/2024\/11\/\u30ed\u30b4\uff08\u793e\u540d\u629c\u304d\uff09-1024x1024.jpg\" alt=\"\" class=\"wp-image-77 size-full\"\/><\/figure><div class=\"wp-block-media-text__content\">\n<p><a href=\"https:\/\/factoringbest.com\/financing\/company\/\">\u682a\u5f0f\u4f1a\u793e\u30a6\u30a7\u30d6\u30d6\u30e9\u30f3\u30c7\u30a3\u30f3\u30b0\uff08\u904b\u55b6\u4f1a\u793e\uff09<\/a><\/p>\n\n\n\n<p>\u8cc7\u91d1\u7e70\u308a\u95a2\u9023\u60c5\u5831\u306e\u7dcf\u5408\u7684\u306a\u76e3\u4fee\u3092\u884c\u3044\u3001\u6b63\u78ba\u3067\u4fe1\u983c\u6027\u306e\u9ad8\u3044\u60c5\u5831\u63d0\u4f9b\u3092\u5b9f\u73fe\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u3010\u56f3\u89e3\u3011ROA\u3068ROE\u306e\u57fa\u672c\uff5c\u307e\u305a\u306f2\u3064\u306e\u6307\u6a19\u306e\u9055\u3044\u3092\u7406\u89e3\u3057\u3088\u3046<\/h2>\n\n\n\n<p>\u307e\u305a\u3001\u3053\u306e2\u3064\u306e\u8a00\u8449\u3092\u3001\u96e3\u89e3\u306a\u7d4c\u55b6\u6307\u6a19\u3068\u3057\u3066\u3067\u306f\u306a\u304f\u3001\u3042\u306a\u305f\u306e\u4f1a\u793e\u306e\u5065\u5eb7\u72b6\u614b\u3092\u6620\u3057\u51fa\u3059\u300c2\u3064\u306e\u93e1\u300d\u3060\u3068\u8003\u3048\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/vaticantapes.com\/wp-content\/uploads\/2025\/09\/roa-roe-diagram.svg\" alt=\"ROA\u3068ROE\u306e\u9055\u3044\u3092\u4e00\u76ee\u3067\u7406\u89e3\uff01\" class=\"wp-image-1532\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">ROA\uff08\u7dcf\u8cc7\u7523\u5229\u76ca\u7387\uff09\u3068\u306f\uff1f\u4f1a\u793e\u306e\u7dcf\u529b\u6226\u3067\u306e\u7a3c\u3050\u529b<\/h3>\n\n\n\n<p>ROA\u306f\u3001\u3044\u308f\u3070<strong>\u300c\u4f1a\u793e\u306e\u4f53\u529b\u6e2c\u5b9a\u300d<\/strong>\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u9280\u884c\u304b\u3089\u306e\u501f\u5165\u91d1\u3084\u3001\u3042\u306a\u305f\u304c\u30b3\u30c4\u30b3\u30c4\u8caf\u3081\u3066\u304d\u305f\u81ea\u5df1\u8cc7\u91d1\u306a\u3069\u3001\u4f1a\u793e\u304c\u6301\u3064\u3059\u3079\u3066\u306e\u8cc7\u7523\uff08\u7dcf\u8cc7\u7523\uff09\u3092\u4f7f\u3063\u3066\u3001\u3069\u308c\u3060\u3051\u52b9\u7387\u7684\u306b\u5229\u76ca\u3092\u751f\u307f\u51fa\u305b\u305f\u304b\u3092\u793a\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<pre class=\"wp-block-code has-swl-pale-02-background-color has-background\"><code>\u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510\n\u2502   \u4f1a\u793e\u306e\u5168\u8cc7\u7523\uff08\u7dcf\u8cc7\u7523\uff09 \u2502\u25c0\ufe0e \u9280\u884c\u304b\u3089\u306e\u501f\u5165\u91d1\u3082\u542b\u3080\n\u2514\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2518\n        \u2193\uff08\u3053\u308c\u3092\u5143\u624b\u306b\u2026\uff09\n\u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510\n\u2502     \u3069\u308c\u3060\u3051\u5229\u76ca\u3092     \u2502\n\u2502     \u751f\u307f\u51fa\u305b\u305f\u304b\uff1f     \u2502\n\u2514\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2518\n        \u2193\n    ROA\uff08\u7dcf\u8cc7\u7523\u5229\u76ca\u7387\uff09<\/code><\/pre>\n\n\n\n<p><strong><span style=\"background-color:#fff189\" class=\"swl-bg-color\">\u8a08\u7b97\u5f0f\uff1aROA (%) = \u5f53\u671f\u7d14\u5229\u76ca \u00f7 \u7dcf\u8cc7\u7523 \u00d7 100<\/span><\/strong><\/p>\n\n\n\n<p>\u79c1\u304c\u9280\u884c\u54e1\u3060\u3063\u305f\u9803\u3001\u307e\u305a\u6700\u521d\u306b\u898b\u3066\u3044\u305f\u306e\u304c\u3053\u306eROA\u3067\u3057\u305f\u3002<br>\u306a\u305c\u306a\u3089\u3001<strong><span class=\"swl-inline-color has-swl-main-color\">\u4f1a\u793e\u306e\u300c\u7dcf\u5408\u529b\u300d\u304c\u308f\u304b\u308b\u304b\u3089<\/span><\/strong>\u3067\u3059\u3002<br>\u8cb8\u3057\u305f\u304a\u91d1\u3082\u542b\u3081\u3066\u3001\u4e8b\u696d\u5168\u4f53\u3067\u3057\u3063\u304b\u308a\u3068\u5229\u76ca\u3092\u51fa\u305b\u308b\u5730\u529b\u304c\u3042\u308b\u304b\u3002<br>\u79c1\u305f\u3061\u306f\u3001\u307e\u305a\u305d\u3053\u3092\u78ba\u8a8d\u3059\u308b\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">ROE\uff08\u81ea\u5df1\u8cc7\u672c\u5229\u76ca\u7387\uff09\u3068\u306f\uff1f\u682a\u4e3b\u306e\u304a\u91d1\u3067\u306e\u7a3c\u3050\u529b<\/h3>\n\n\n\n<p>ROE\u306f\u3001<strong>\u300c\u7d4c\u55b6\u8005\u500b\u4eba\u306e\u901a\u4fe1\u7c3f\u300d<\/strong>\u3068\u8a00\u3048\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<p>\u682a\u4e3b\u304c\u51fa\u8cc7\u3057\u305f\u304a\u91d1\u3084\u3001\u3053\u308c\u307e\u3067\u306e\u5229\u76ca\u306e\u84c4\u7a4d\uff08\u81ea\u5df1\u8cc7\u672c\uff09\u3060\u3051\u3092\u5143\u624b\u306b\u3057\u3066\u3001\u3069\u308c\u3060\u3051\u4e0a\u624b\u306b\u5229\u76ca\u3092\u4e0a\u3052\u305f\u304b\u3092\u793a\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<pre class=\"wp-block-code has-swl-pale-02-background-color has-background\"><code>\u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510\n\u2502 \u682a\u4e3b\u306e\u304a\u91d1\uff08\u81ea\u5df1\u8cc7\u672c\uff09 \u2502\u25c0\ufe0e \u501f\u5165\u91d1\u306f\u542b\u307e\u306a\u3044\n\u2514\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2518\n        \u2193\uff08\u3053\u308c\u3092\u5143\u624b\u306b\u2026\uff09\n\u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510\n\u2502     \u3069\u308c\u3060\u3051\u5229\u76ca\u3092     \u2502\n\u2502     \u751f\u307f\u51fa\u305b\u305f\u304b\uff1f     \u2502\n\u2514\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2518\n        \u2193\n    ROE\uff08\u81ea\u5df1\u8cc7\u672c\u5229\u76ca\u7387\uff09<\/code><\/pre>\n\n\n\n<p><strong><span style=\"background-color:#fff189\" class=\"swl-bg-color\">\u8a08\u7b97\u5f0f\uff1aROE (%) = \u5f53\u671f\u7d14\u5229\u76ca \u00f7 \u81ea\u5df1\u8cc7\u672c \u00d7 100<\/span><\/strong><\/p>\n\n\n\n<p>\u591a\u304f\u306e\u4e2d\u5c0f\u4f01\u696d\u3067\u306f\u300c\u682a\u4e3b\u2252\u7d4c\u55b6\u8005\u300d\u3067\u3059\u3002<br>\u3064\u307e\u308aROE\u306f\u3001\u7d4c\u55b6\u8005\u3067\u3042\u308b\u3042\u306a\u305f\u81ea\u8eab\u304c\u6295\u3058\u305f\u8cc7\u672c\u306b\u5bfe\u3057\u3066\u3001\u3069\u308c\u3060\u3051\u306e\u30ea\u30bf\u30fc\u30f3\u3092\u751f\u307f\u51fa\u305b\u3066\u3044\u308b\u304b\u3092\u793a\u3059\u3001\u6975\u3081\u3066\u30d1\u30fc\u30bd\u30ca\u30eb\u306a\u6210\u7e3e\u8868\u306a\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">ROA\u3068ROE\u306e\u6c7a\u5b9a\u7684\u306a\u9055\u3044\u3068\u4f7f\u3044\u5206\u3051<\/h3>\n\n\n\n<p>\u3053\u306e2\u3064\u306e\u9055\u3044\u3092\u3001\u8eab\u4f53\u3067\u611f\u3058\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n<div class=\"swell-block-capbox cap_box is-style-intext\" data-colset=\"col2\"><div class=\"cap_box_ttl\"><span><\/span><\/div><div class=\"cap_box_content\">\n<ul class=\"wp-block-list\">\n<li><strong>ROA<\/strong>\u306f\u3001\u4ed6\u4eba\u304b\u3089\u501f\u308a\u305f\u529b\uff08\u501f\u5165\u91d1\uff09\u3082\u5168\u90e8\u4f7f\u3063\u3066\u3001\u3069\u308c\u3060\u3051\u91cd\u3044\u30d0\u30fc\u30d9\u30eb\u3092\u6301\u3061\u4e0a\u3052\u3089\u308c\u308b\u304b\u3068\u3044\u3046<strong>\u300c\u7dcf\u5408\u7684\u306a\u7b4b\u529b\u300d<\/strong>\u3067\u3059\u3002<\/li>\n\n\n\n<li><strong>ROE<\/strong>\u306f\u3001\u81ea\u5206\u81ea\u8eab\u306e\u7b4b\u8089\uff08\u81ea\u5df1\u8cc7\u672c\uff09\u3060\u3051\u3067\u3001\u3069\u308c\u3060\u3051\u9ad8\u304f\u30b8\u30e3\u30f3\u30d7\u3067\u304d\u308b\u304b\u3068\u3044\u3046<strong>\u300c\u77ac\u767a\u529b\u300d\u3084\u300c\u52b9\u7387\u6027\u300d<\/strong>\u3067\u3059\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n<div class=\"swell-block-balloon\"><div class=\"c-balloon -bln-left\" data-col=\"yellow\"><div class=\"c-balloon__icon -circle\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/factoringbest.com\/financing\/wp-content\/uploads\/2025\/03\/satopuro-150x150.jpg\" alt=\"\" class=\"c-balloon__iconImg\" width=\"80px\" height=\"80px\"><span class=\"c-balloon__iconName\">\u4f50\u85e4 \u771f\u7531\u7f8e<\/span><\/div><div class=\"c-balloon__body -speaking -border-on\"><div class=\"c-balloon__text\">\n<p>\u9280\u884c\u54e1\u3060\u3063\u305f\u79c1\u306e\u7d4c\u9a13\u304b\u3089\u8a00\u3048\u3070\u3001\u300c\u9280\u884c\u306fROA\u3067\u4f1a\u793e\u306e\u5065\u5168\u6027\u3068\u3044\u3046\u571f\u53f0\u3092\u898b\u3064\u3064\u3001ROE\u3067\u672a\u6765\u3078\u306e\u6210\u9577\u306e\u52e2\u3044\u3092\u898b\u3066\u3044\u307e\u3059\u3002\u4e21\u65b9\u306e\u30d0\u30e9\u30f3\u30b9\u304c\u3001\u672c\u5f53\u306b\u5f37\u3044\u4f1a\u793e\u3092\u4f5c\u308b\u306e\u3067\u3059\u300d\u3002<br>\u3069\u3061\u3089\u304b\u4e00\u65b9\u3060\u3051\u3067\u306f\u3001\u7269\u8a9e\u306f\u5b8c\u6210\u3057\u307e\u305b\u3093\u3002<\/p>\n<span class=\"c-balloon__shapes\"><span class=\"c-balloon__before\"><\/span><span class=\"c-balloon__after\"><\/span><\/span><\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\">\u5143\u9280\u884c\u54e1\u304c\u8a9e\u308b\u300c\u9280\u884c\u304cROA\u30fbROE\u3092\u91cd\u8996\u3059\u308b\u672c\u5f53\u306e\u7406\u7531\u300d<\/h2>\n\n\n\n<p>\u306a\u305c\u3001\u9280\u884c\u306f\u3053\u308c\u307b\u3069\u307e\u3067\u306bROA\u3068ROE\u306b\u3053\u3060\u308f\u308b\u306e\u3067\u3057\u3087\u3046\u304b\u3002<br>\u305d\u308c\u306f\u3001\u79c1\u305f\u3061\u306e\u878d\u8cc7\u5224\u65ad\u306e\u6839\u5e79\u306b\u3042\u308b\u3001\u3042\u308b\u300c\u4ed5\u7d44\u307f\u300d\u3068\u6df1\u304f\u95a2\u308f\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u9280\u884c\u306e\u683c\u4ed8\u3051\uff08\u50b5\u52d9\u8005\u533a\u5206\uff09\u3068\u53ce\u76ca\u6027\u306e\u95a2\u4fc2<\/h3>\n\n\n\n<p>\u5c11\u3057\u3001\u9280\u884c\u306e\u88cf\u5074\u3092\u304a\u8a71\u3057\u3057\u307e\u3059\u306d\u3002<\/p>\n\n\n\n<p>\u9280\u884c\u306f\u3001\u3059\u3079\u3066\u306e\u878d\u8cc7\u5148\u4f01\u696d\u3092\u300c\u50b5\u52d9\u8005\u533a\u5206\u300d\u3068\u3044\u3046\u5185\u90e8\u306e\u30e2\u30ce\u30b5\u30b7\u3067\u683c\u4ed8\u3051\u3057\u3066\u3044\u307e\u3059\u3002<br>\u300c\u6b63\u5e38\u5148\u300d\u300c\u8981\u6ce8\u610f\u5148\u300d\u300c\u7834\u7dbb\u61f8\u5ff5\u5148\u300d\u2026\u3068\u3044\u3063\u305f\u3088\u3046\u306b\u3002<\/p>\n\n\n\n<p class=\"is-style-icon_pen\">\u203b\u50b5\u52d9\u8005\u533a\u5206\u306b\u3064\u3044\u3066\u306f<a href=\"https:\/\/www.fsa.go.jp\/manual\/manualj\/manual_yokin\/14.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u91d1\u878d\u5e81\u306e\u3053\u3061\u3089\u306e\u30da\u30fc\u30b8<\/a>\u304c\u53c2\u8003\u306b\u306a\u308a\u307e\u3059<\/p>\n\n\n\n<p>\u3053\u306e\u683c\u4ed8\u3051\u306f\u3001\u878d\u8cc7\u306e\u53ef\u5426\u3001\u91d1\u5229\u3001\u305d\u3057\u3066\u8ffd\u52a0\u878d\u8cc7\u306e\u5224\u65ad\u307e\u3067\u3001\u3059\u3079\u3066\u3092\u5de6\u53f3\u3059\u308b\u3001\u307e\u3055\u306b<strong>\u8a55\u4fa1\u306e\u5206\u6c34\u5dba<\/strong>\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u305d\u3057\u3066\u3001\u3053\u306e\u683c\u4ed8\u3051\u3092\u6c7a\u3081\u308b\u6700\u3082\u91cd\u8981\u306a\u8a55\u4fa1\u9805\u76ee\u306e\u4e00\u3064\u304c\u300c\u53ce\u76ca\u6027\u300d\u3001\u3064\u307e\u308aROA\u3084ROE\u306a\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<p class=\"is-style-big_icon_batsu\">\u878d\u8cc7\u5be9\u67fb\u306e\u73fe\u5834\u3067\u3001\u79c1\u306f\u4f55\u5ea6\u3082\u7d4c\u9a13\u3057\u307e\u3057\u305f\u3002<br>\u3069\u3093\u306a\u306b\u793e\u9577\u304c\u4e8b\u696d\u3078\u306e\u71b1\u3044\u60f3\u3044\u3092\u8a9e\u308a\u3001\u7d20\u6674\u3089\u3057\u3044\u4e8b\u696d\u8a08\u753b\u66f8\u3092\u63d0\u51fa\u3055\u308c\u3066\u3082\u3001\u6c7a\u7b97\u66f8\u306eROA\u304c\u4e00\u5b9a\u57fa\u6e96\u3092\u4e0b\u56de\u3063\u3066\u3044\u308b\u3068\u3001\u305d\u306e\u6848\u4ef6\u306f<strong>\u7a1f\u8b70\u306e\u30c6\u30fc\u30d6\u30eb\u306b\u3059\u3089\u4e57\u3089\u306a\u3044<\/strong>\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u51b7\u305f\u3044\u3088\u3046\u3067\u3059\u304c\u3001\u305d\u308c\u304c\u9280\u884c\u306e\u73fe\u5b9f\u3067\u3057\u305f\u3002<br>\u3042\u306a\u305f\u306e\u60c5\u71b1\u304c\u3001\u6570\u5b57\u306b\u3088\u3063\u3066\u9580\u524d\u6255\u3044\u3055\u308c\u3066\u3057\u307e\u3046\u3002<br>\u305d\u3093\u306a\u6094\u3057\u3044\u601d\u3044\u3092\u3057\u3066\u307b\u3057\u304f\u306a\u3044\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">ROA\u304b\u3089\u8aad\u307f\u53d6\u308b\u300c\u4e8b\u696d\u306e\u5b89\u5b9a\u6027\u3068\u8fd4\u6e08\u80fd\u529b\u300d<\/h3>\n\n\n\n<p>\u79c1\u305f\u3061\u304cROA\u306e\u6570\u5b57\u3092\u898b\u308b\u3068\u304d\u3001\u982d\u306e\u4e2d\u3067\u306f\u3053\u3093\u306a\u554f\u3044\u304c\u99c6\u3051\u5de1\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p><strong>\u300c\u3053\u306e\u4f1a\u793e\u306f\u3001\u79c1\u305f\u3061\u304c\u8cb8\u3057\u305f\u304a\u91d1\u3082\u542b\u3081\u3066\u3001\u8cc7\u7523\u5168\u4f53\u3092\u3046\u307e\u304f\u6d3b\u7528\u3057\u3001\u8fd4\u6e08\u306e\u6e90\u6cc9\u3068\u306a\u308b\u5229\u76ca\u3092\u304d\u3061\u3093\u3068\u751f\u307f\u51fa\u305b\u308b\u3060\u308d\u3046\u304b\uff1f\u300d<\/strong><\/p>\n\n\n\n<p>ROA\u304c\u4f4e\u3044\u3068\u3044\u3046\u3053\u3068\u306f\u3001\u4f1a\u793e\u306e\u3069\u3053\u304b\u306b\u300c\u7720\u3063\u3066\u3044\u308b\u8cc7\u7523\u300d\u304c\u3042\u308b\u30b5\u30a4\u30f3\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<br>\u58f2\u308c\u6b8b\u3063\u305f\u5728\u5eab\u306e\u5c71\u3002<br>\u56de\u53ce\u3067\u304d\u3066\u3044\u306a\u3044\u58f2\u639b\u91d1\u3002<br>\u4f7f\u308f\u308c\u3066\u3044\u306a\u3044\u53e4\u3044\u6a5f\u68b0\u3002<\/p>\n\n\n<div class=\"swell-block-balloon\"><div class=\"c-balloon -bln-left\" data-col=\"yellow\"><div class=\"c-balloon__icon -circle\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/factoringbest.com\/financing\/wp-content\/uploads\/2025\/03\/satopuro-150x150.jpg\" alt=\"\" class=\"c-balloon__iconImg\" width=\"80px\" height=\"80px\"><span class=\"c-balloon__iconName\">\u4f50\u85e4 \u771f\u7531\u7f8e<\/span><\/div><div class=\"c-balloon__body -speaking -border-on\"><div class=\"c-balloon__text\">\n<p>\u305d\u308c\u3089\u306f\u3001\u4f01\u696d\u306b\u3068\u3063\u3066<strong>\u8840\u6d41\u3092\u6ede\u3089\u305b\u308b\u300c\u6fb1\uff08\u304a\u308a\uff09\u300d<\/strong>\u306e\u3088\u3046\u306a\u3082\u306e\u3002<br>\u9280\u884c\u304b\u3089\u898b\u308c\u3070\u3001\u300c\u8cb8\u3057\u305f\u304a\u91d1\u304c\u3001\u3042\u306e\u6fb1\u306e\u4e2d\u306b\u6c88\u3093\u3067\u3057\u307e\u3046\u306e\u3067\u306f\u306a\u3044\u304b\uff1f\u300d\u3068\u3044\u3046\u61f8\u5ff5\u306b\u76f4\u7d50\u3059\u308b\u306e\u3067\u3059\u3002<\/p>\n<span class=\"c-balloon__shapes\"><span class=\"c-balloon__before\"><\/span><span class=\"c-balloon__after\"><\/span><\/span><\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\">ROE\u304b\u3089\u8aad\u307f\u53d6\u308b\u300c\u4f01\u696d\u306e\u6210\u9577\u6027\u3068\u7d4c\u55b6\u8005\u306e\u624b\u8155\u300d<\/h3>\n\n\n\n<p>\u4e00\u65b9\u3067\u3001ROE\u306f\u4f01\u696d\u306e\u672a\u6765\u3092\u7167\u3089\u3059\u5149\u3067\u3059\u3002<\/p>\n\n\n\n<p>ROE\u304c\u9ad8\u3044\u4f01\u696d\u306f\u3001\u81ea\u5df1\u8cc7\u672c\u3092\u52b9\u7387\u7684\u306b\u5229\u76ca\u306b\u5909\u3048\u308b\u529b\u304c\u3042\u308b\u3001\u3064\u307e\u308a\u300c\u7d4c\u55b6\u304c\u4e0a\u624b\u3044\u300d\u3068\u8a55\u4fa1\u3055\u308c\u307e\u3059\u3002<br>\u79c1\u305f\u3061\u306f\u3001\u305d\u306e\u6570\u5b57\u306e\u5148\u306b\u3001\u4f01\u696d\u306e\u6210\u9577\u30b9\u30c8\u30fc\u30ea\u30fc\u3092\u898b\u308b\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<p><strong>\u300c\u3053\u306e\u4f1a\u793e\u306a\u3089\u3001\u5229\u76ca\u3092\u3055\u3089\u306b\u5185\u90e8\u7559\u4fdd\u306b\u56de\u3057\u3001\u81ea\u5df1\u8cc7\u672c\u3092\u539a\u304f\u3057\u3066\u3001\u3082\u3063\u3068\u5927\u304d\u306a\u6311\u6226\u304c\u3067\u304d\u308b\u3060\u308d\u3046\u3002\u5c06\u6765\u306e\u8fd4\u6e08\u80fd\u529b\u3082\u3001\u304d\u3063\u3068\u5411\u4e0a\u3057\u3066\u3044\u304f\u306f\u305a\u3060\u300d<\/strong>\u3068\u3002<\/p>\n\n\n\n<p>\u305f\u3060\u3057\u3001\u3053\u3053\u306b\u4e00\u3064\u3001\u30d7\u30ed\u304c\u898b\u629c\u304f\u7f60\u304c\u3042\u308a\u307e\u3059\u3002<br><strong><span class=\"swl-inline-color has-swl-main-color\">\u501f\u5165\u91d1\u3092\u5897\u3084\u3057\u3066\u81ea\u5df1\u8cc7\u672c\u306e\u6bd4\u7387\u3092\u4e0b\u3052\u308c\u3070\u3001\u898b\u304b\u3051\u4e0aROE\u3060\u3051\u3092\u9ad8\u304f\u3059\u308b\u3053\u3068\u3082\u53ef\u80fd<\/span><\/strong>\u306a\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u3060\u304b\u3089\u3053\u305d\u3001\u79c1\u305f\u3061\u306f\u5fc5\u305aROA\u3068\u30bb\u30c3\u30c8\u3067\u898b\u307e\u3059\u3002<br>ROA\u3068\u3044\u3046\u300c\u4f1a\u793e\u306e\u5730\u529b\u300d\u304c\u3057\u3063\u304b\u308a\u3057\u305f\u4e0a\u3067\u3001ROE\u3068\u3044\u3046\u300c\u6210\u9577\u306e\u30a8\u30f3\u30b8\u30f3\u300d\u304c\u529b\u5f37\u304f\u56de\u3063\u3066\u3044\u308b\u304b\u3002<br>\u305d\u306e\u4e21\u8f2a\u304c\u63c3\u3063\u3066\u521d\u3081\u3066\u3001\u79c1\u305f\u3061\u306f\u5fc3\u304b\u3089\u306e\u300c\u4fe1\u983c\u300d\u3092\u5bc4\u305b\u308b\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u81ea\u793e\u306e\u53ce\u76ca\u6027\u3092\u53ef\u8996\u5316\u3059\u308b\uff01ROA\u30fbROE\u306e\u8a08\u7b97\u3068\u76ee\u5b89<\/h2>\n\n\n\n<p>\u3055\u3042\u3001\u4eca\u5ea6\u306f\u3042\u306a\u305f\u306e\u4f1a\u793e\u306e\u756a\u3067\u3059\u3002<br>\u7406\u8ad6\u306f\u3082\u3046\u5341\u5206\u3002<br>\u5b9f\u969b\u306b\u624b\u3092\u52d5\u304b\u3057\u3066\u3001\u3042\u306a\u305f\u306e\u4f1a\u793e\u306e\u300c\u4eca\u300d\u3092\u53ef\u8996\u5316\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6c7a\u7b97\u66f8\u3092\u7528\u610f\u3057\u3088\u3046\uff01\u8a08\u7b97\u306b\u5fc5\u8981\u306a\u6570\u5b57\u306f\u3069\u3053\u306b\u3042\u308b\uff1f<\/h3>\n\n\n\n<p>\u304a\u624b\u5143\u306b\u3001\u524d\u671f\u306e\u6c7a\u7b97\u66f8\u3092\u3054\u7528\u610f\u304f\u3060\u3055\u3044\u3002<br>\u5fc5\u8981\u306a\u6570\u5b57\u306f\u305f\u3063\u305f3\u3064\u3002\u5b9d\u63a2\u3057\u306e\u3088\u3046\u306b\u898b\u3064\u3051\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<div class=\"swell-block-capbox cap_box is-style-intext\" data-colset=\"col1\"><div class=\"cap_box_ttl\"><span><\/span><\/div><div class=\"cap_box_content\">\n<ol class=\"wp-block-list\">\n<li><strong>\u5f53\u671f\u7d14\u5229\u76ca<\/strong>\uff1a\u3053\u308c\u306f<strong>\u300c\u640d\u76ca\u8a08\u7b97\u66f8\uff08P\/L\uff09\u300d<\/strong>\u306e\u4e00\u756a\u4e0b\u306b\u66f8\u304b\u308c\u3066\u3044\u307e\u3059\u3002<\/li>\n\n\n\n<li><strong>\u7dcf\u8cc7\u7523<\/strong>\uff1a\u3053\u308c\u306f<strong>\u300c\u8cb8\u501f\u5bfe\u7167\u8868\uff08B\/S\uff09\u300d<\/strong>\u306e\u5de6\u5074\uff08\u8cc7\u7523\u306e\u90e8\uff09\u306e\u5408\u8a08\u984d\u3067\u3059\u3002<\/li>\n\n\n\n<li><strong>\u81ea\u5df1\u8cc7\u672c<\/strong>\uff1a\u3053\u308c\u3082<strong>\u300c\u8cb8\u501f\u5bfe\u7167\u8868\uff08B\/S\uff09\u300d<\/strong>\u306e\u53f3\u5074\uff08\u8ca0\u50b5\u30fb\u7d14\u8cc7\u7523\u306e\u90e8\uff09\u306b\u3042\u308b\u300c\u7d14\u8cc7\u7523\u306e\u90e8\u300d\u306e\u5408\u8a08\u984d\u3067\u3059\u3002<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<p>\u898b\u3064\u304b\u308a\u307e\u3057\u305f\u304b\uff1f<br>\u3067\u306f\u3001\u5148\u307b\u3069\u306e\u8a08\u7b97\u5f0f\u306b\u5f53\u3066\u306f\u3081\u3066\u3001\u3042\u306a\u305f\u306e\u4f1a\u793e\u306eROA\u3068ROE\u3092\u8a08\u7b97\u3057\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002<br>\u51fa\u3066\u304d\u305f\u6570\u5b57\u304c\u3001\u3042\u306a\u305f\u306e\u4f1a\u793e\u306e\u300c\u73fe\u5728\u5730\u300d\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u3010\u696d\u7a2e\u5225\u3011ROA\u30fbROE\u306e\u76ee\u5b89\u306f\u3069\u308c\u304f\u3089\u3044\uff1f<\/h3>\n\n\n\n<p>\u8a08\u7b97\u3057\u305f\u6570\u5b57\u3092\u898b\u3066\u3001\u3069\u3046\u611f\u3058\u307e\u3057\u305f\u304b\uff1f<br>\u4e00\u822c\u7684\u306b<strong><span style=\"background-color:#fff189\" class=\"swl-bg-color\">\u300cROA\u306f5%\u4ee5\u4e0a\u3001ROE\u306f8\uff5e10%\u4ee5\u4e0a\u300d\u304c\u4e00\u3064\u306e\u512a\u826f\u4f01\u696d\u306e\u76ee\u5b89<\/span><\/strong>\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3057\u304b\u3057\u3001\u3053\u3053\u3067\u5927\u5207\u306a\u306e\u306f\u3001\u3084\u307f\u304f\u3082\u306b\u9ad8\u3044\u76ee\u6a19\u3092\u76ee\u6307\u3059\u3053\u3068\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<br>\u4e2d\u5c0f\u4f01\u696d\u5e81\u306e\u300c<a href=\"https:\/\/www.chusho.meti.go.jp\/koukai\/chousa\/kihon\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u4e2d\u5c0f\u4f01\u696d\u5b9f\u614b\u57fa\u672c\u8abf\u67fb<\/a>\u300d\u306a\u3069\u3092\u898b\u308b\u3068\u3001\u696d\u7a2e\u306b\u3088\u3063\u3066\u5e73\u5747\u5024\u306f\u5927\u304d\u304f\u7570\u306a\u308a\u307e\u3059\u3002<br>\u4f8b\u3048\u3070\u3001\u591a\u304f\u306e\u8a2d\u5099\u3092\u5fc5\u8981\u3068\u3059\u308b\u88fd\u9020\u696d\u3068\u3001\u8eab\u8efd\u306b\u59cb\u3081\u3089\u308c\u308b\u30b5\u30fc\u30d3\u30b9\u696d\u3068\u3067\u306f\u3001ROA\u306e\u5e73\u5747\u5024\u306f\u9055\u3063\u3066\u5f53\u7136\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u307e\u305a\u306f\u3001<strong>\u81ea\u793e\u306e\u6570\u5b57\u3092\u540c\u696d\u4ed6\u793e\u3068\u6bd4\u8f03\u3059\u308b\u3053\u3068<\/strong>\u3002<br>\u305d\u308c\u304c\u3001\u5ba2\u89b3\u7684\u306a\u7acb\u3061\u4f4d\u7f6e\u3092\u77e5\u308b\u305f\u3081\u306e\u3001\u6700\u3082\u91cd\u8981\u306a\u7b2c\u4e00\u6b69\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\uff1aA\u793e\u3068B\u793e\u3001\u9280\u884c\u8a55\u4fa1\u304c\u9ad8\u3044\u306e\u306f\u3069\u3063\u3061\uff1f<\/h3>\n\n\n\n<p>\u3053\u3053\u3067\u3001\u79c1\u304c\u878d\u8cc7\u62c5\u5f53\u6642\u4ee3\u306b\u3088\u304f\u51fa\u4f1a\u3063\u305f2\u3064\u306e\u4f1a\u793e\u3092\u4f8b\u306b\u3001\u601d\u8003\u5b9f\u9a13\u3092\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002<br>\u3042\u306a\u305f\u306f\u9280\u884c\u54e1\u306b\u306a\u3063\u305f\u3064\u3082\u308a\u3067\u8003\u3048\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9805\u76ee<\/th><th>A\u793e\uff08\u6025\u6210\u9577IT\u4f01\u696d\uff09<\/th><th>B\u793e\uff08\u5805\u5b9f\u7d4c\u55b6\u306e\u88fd\u9020\u696d\uff09<\/th><\/tr><\/thead><tbody><tr><td><strong>\u5f53\u671f\u7d14\u5229\u76ca<\/strong><\/td><td>1,000\u4e07\u5186<\/td><td>800\u4e07\u5186<\/td><\/tr><tr><td><strong>\u7dcf\u8cc7\u7523<\/strong><\/td><td>2\u5104\u5186<\/td><td>1\u5104\u5186<\/td><\/tr><tr><td><strong>\u81ea\u5df1\u8cc7\u672c<\/strong><\/td><td>5,000\u4e07\u5186<\/td><td>5,000\u4e07\u5186<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>\u3010\u8a08\u7b97\u7d50\u679c\u3011<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>A\u793e\u306eROA<\/strong> = 1,000\u4e07 \u00f7 2\u5104 \u00d7 100 = <strong>5%<\/strong><\/li>\n\n\n\n<li><strong>A\u793e\u306eROE<\/strong> = 1,000\u4e07 \u00f7 5,000\u4e07 \u00d7 100 = <strong>20%<\/strong><\/li>\n\n\n\n<li><strong>B\u793e\u306eROA<\/strong> = 800\u4e07 \u00f7 1\u5104 \u00d7 100 = <strong>8%<\/strong><\/li>\n\n\n\n<li><strong>B\u793e\u306eROE<\/strong> = 800\u4e07 \u00f7 5,000\u4e07 \u00d7 100 = <strong>16%<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u3055\u3042\u3001\u3069\u3046\u3067\u3057\u3087\u3046\u3002<br>\u5229\u76ca\u984d\u3082\u5927\u304d\u304f\u3001ROE\u304c20%\u3068\u975e\u5e38\u306b\u9ad8\u3044A\u793e\u3002<br>\u4e00\u65b9\u3001\u5229\u76ca\u984d\u306f\u52a3\u308b\u3082\u306e\u306e\u3001ROA\u304c8%\u3068\u5b89\u5b9a\u3057\u3066\u3044\u308bB\u793e\u3002<\/p>\n\n\n<div class=\"swell-block-balloon\"><div class=\"c-balloon -bln-left\" data-col=\"yellow\"><div class=\"c-balloon__icon -circle\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/factoringbest.com\/financing\/wp-content\/uploads\/2025\/03\/satopuro-150x150.jpg\" alt=\"\" class=\"c-balloon__iconImg\" width=\"80px\" height=\"80px\"><span class=\"c-balloon__iconName\">\u4f50\u85e4 \u771f\u7531\u7f8e<\/span><\/div><div class=\"c-balloon__body -speaking -border-on\"><div class=\"c-balloon__text\">\n<p>\u4e00\u898b\u3001\u6d3e\u624b\u306aA\u793e\u306b\u76ee\u304c\u884c\u304d\u304c\u3061\u3067\u3059\u304c\u3001\u79c1\u304c\u878d\u8cc7\u3057\u305f\u3044\u3001\u305d\u3057\u3066\u591a\u304f\u306e\u9280\u884c\u54e1\u304c\u8a55\u4fa1\u3059\u308b\u306e\u306f\u3001<strong>\u65ad\u7136B\u793e<\/strong>\u3067\u3059\u3002<\/p>\n<span class=\"c-balloon__shapes\"><span class=\"c-balloon__before\"><\/span><span class=\"c-balloon__after\"><\/span><\/span><\/div><\/div><\/div><\/div>\n\n\n<p class=\"is-style-big_icon_check\">\u306a\u305c\u306a\u3089\u3001A\u793e\u306f\u591a\u984d\u306e\u501f\u5165\uff08\u7dcf\u8cc7\u75232\u5104 &#8211; \u81ea\u5df1\u8cc7\u672c5,000\u4e07 = 1.5\u5104\uff09\u306b\u3088\u3063\u3066ROE\u3092\u9ad8\u304f\u898b\u305b\u3066\u3044\u307e\u3059\u304c\u3001\u8cc7\u7523\u52b9\u7387\u3092\u793a\u3059ROA\u306f5%\u3068\u5e73\u5747\u7684\u3067\u3059\u3002<br>\u4e00\u65b9\u3001B\u793e\u306f\u501f\u5165\u3092\u6291\u3048\uff08\u7dcf\u8cc7\u75231\u5104 &#8211; \u81ea\u5df1\u8cc7\u672c5,000\u4e07 = 5,000\u4e07\uff09\u3001\u4f1a\u793e\u5168\u4f53\u306e\u8cc7\u7523\u3092\u975e\u5e38\u306b\u52b9\u7387\u7684\u306b\u4f7f\u3063\u3066\u5229\u76ca\u3092\u51fa\u3057\u3066\u3044\u308b\uff08ROA 8%\uff09\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u306e<strong>\u300cROA\u306e\u9ad8\u3055\u300d<\/strong>\u3053\u305d\u304c\u3001\u9280\u884c\u304c\u6700\u3082\u91cd\u8996\u3059\u308b<strong>\u300c\u4e8b\u696d\u306e\u5b89\u5b9a\u6027\u300d<\/strong>\u306e\u8a3c\u306a\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u9280\u884c\u8a55\u4fa1\u3092\u9ad8\u3081\u308b\uff01ROA\u30fbROE\u6539\u5584\u306e\u305f\u3081\u306e\u5177\u4f53\u7684\u30a2\u30af\u30b7\u30e7\u30f3\u30d7\u30e9\u30f3<\/h2>\n\n\n\n<p>\u81ea\u793e\u306e\u73fe\u5728\u5730\u304c\u308f\u304b\u3063\u305f\u3089\u3001\u6b21\u306f\u3044\u3088\u3044\u3088\u672a\u6765\u3092\u5909\u3048\u308b\u305f\u3081\u306e\u884c\u52d5\u3067\u3059\u3002<br>\u96e3\u3057\u304f\u8003\u3048\u308b\u5fc5\u8981\u306f\u3042\u308a\u307e\u305b\u3093\u3002<br>\u6539\u5584\u306e\u65b9\u5411\u6027\u306f\u3001\u8a08\u7b97\u5f0f\u3092\u898b\u308c\u3070\u4e00\u76ee\u77ad\u7136\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u30a2\u30af\u30b7\u30e7\u30f31\uff1a\u5229\u76ca\u7387\u3092\u6539\u5584\u3059\u308b\uff08\u5206\u5b50\u3092\u5897\u3084\u3059\uff09<\/h3>\n\n\n\n<p>\u3053\u308c\u306f\u3001ROA\u30fbROE\u306e\u8a08\u7b97\u5f0f\u306e\u300c\u5206\u5b50\u300d\u3067\u3042\u308b<strong>\u5f53\u671f\u7d14\u5229\u76ca<\/strong>\u3092\u5897\u3084\u3059\u30a2\u30d7\u30ed\u30fc\u30c1\u3067\u3059\u3002<br>\u58f2\u4e0a\u3092\u5897\u3084\u3059\u3053\u3068\u306f\u3082\u3061\u308d\u3093\u3067\u3059\u304c\u3001\u5229\u76ca\u7387\u306e\u6539\u5584\u306b\u3082\u76ee\u3092\u5411\u3051\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u30b3\u30b9\u30c8\u69cb\u9020\u306e\u898b\u76f4\u3057<\/h4>\n\n\n\n<p>\u672c\u5f53\u306b\u5fc5\u8981\u306a\u56fa\u5b9a\u8cbb\u306f\u4f55\u304b\uff1f\u5bb6\u8cc3\u3001\u901a\u4fe1\u8cbb\u3001\u30b5\u30d6\u30b9\u30af\u30ea\u30d7\u30b7\u30e7\u30f3\u306a\u3069\u3001\u8056\u57df\u306a\u304f\u898b\u76f4\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u4ed5\u5165\u308c\u5148\u306e\u4ea4\u6e09<\/h4>\n\n\n\n<p>\u9577\u5e74\u306e\u53d6\u5f15\u5148\u306b\u3001\u3042\u30681%\u306e\u5024\u4e0b\u3052\u3092\u304a\u9858\u3044\u3067\u304d\u306a\u3044\u304b\u3002\u65b0\u3057\u3044\u53d6\u5f15\u5148\u3092\u63a2\u3057\u3066\u307f\u308b\u4fa1\u5024\u306f\u306a\u3044\u304b\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u4fa1\u683c\u6226\u7565\u306e\u518d\u691c\u8a0e<\/h4>\n\n\n\n<p>\u3042\u306a\u305f\u306e\u88fd\u54c1\u30fb\u30b5\u30fc\u30d3\u30b9\u306e\u4fa1\u5024\u306f\u3001\u672c\u5f53\u306b\u4eca\u306e\u4fa1\u683c\u306b\u898b\u5408\u3063\u3066\u3044\u307e\u3059\u304b\uff1f\u5b89\u58f2\u308a\u7af6\u4e89\u304b\u3089\u629c\u3051\u51fa\u3059\u52c7\u6c17\u3082\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u30a2\u30af\u30b7\u30e7\u30f32\uff1a\u8cc7\u7523\u3092\u52b9\u7387\u5316\u3059\u308b\uff08\u5206\u6bcd\u3092\u6e1b\u3089\u3059\uff09<\/h3>\n\n\n\n<p>\u3053\u308c\u306f\u3001ROA\u306e\u8a08\u7b97\u5f0f\u306e\u300c\u5206\u6bcd\u300d\u3067\u3042\u308b<strong>\u7dcf\u8cc7\u7523<\/strong>\u3092\u5727\u7e2e\u3059\u308b\u3001\u975e\u5e38\u306b\u30d1\u30ef\u30d5\u30eb\u306a\u30a2\u30d7\u30ed\u30fc\u30c1\u3067\u3059\u3002<\/p>\n\n\n<div class=\"swell-block-balloon\"><div class=\"c-balloon -bln-left\" data-col=\"yellow\"><div class=\"c-balloon__icon -circle\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/factoringbest.com\/financing\/wp-content\/uploads\/2025\/03\/satopuro-150x150.jpg\" alt=\"\" class=\"c-balloon__iconImg\" width=\"80px\" height=\"80px\"><span class=\"c-balloon__iconName\">\u4f50\u85e4 \u771f\u7531\u7f8e<\/span><\/div><div class=\"c-balloon__body -speaking -border-on\"><div class=\"c-balloon__text\">\n<p>\u79c1\u306f\u3053\u308c\u3092\u300c\u8ca1\u52d9\u306e\u30c7\u30c8\u30c3\u30af\u30b9\u300d\u3068\u547c\u3093\u3067\u3044\u307e\u3059\u3002<\/p>\n<span class=\"c-balloon__shapes\"><span class=\"c-balloon__before\"><\/span><span class=\"c-balloon__after\"><\/span><\/span><\/div><\/div><\/div><\/div>\n\n\n<h4 class=\"wp-block-heading\">\u4e0d\u8981\u306a\u5728\u5eab\u306e\u524a\u6e1b<\/h4>\n\n\n\n<p>\u5009\u5eab\u306e\u5965\u3067\u7720\u3063\u3066\u3044\u308b\u5728\u5eab\u306f\u3001\u30ad\u30e3\u30c3\u30b7\u30e5\u3092\u751f\u307e\u306a\u3044\u91cd\u308a\u3067\u3059\u3002\u30bb\u30fc\u30eb\u3067\u3082\u73fe\u91d1\u5316\u3057\u3001\u8840\u6d41\u3092\u826f\u304f\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u904a\u4f11\u8cc7\u7523\u306e\u58f2\u5374<\/h4>\n\n\n\n<p>\u4f7f\u3063\u3066\u3044\u306a\u3044\u6a5f\u68b0\u3084\u3001\u4e8b\u696d\u306b\u95a2\u4fc2\u306e\u306a\u3044\u4e0d\u52d5\u7523\u306f\u3042\u308a\u307e\u305b\u3093\u304b\uff1f\u305d\u308c\u3089\u3092\u58f2\u5374\u3057\u3066\u5f97\u305f\u30ad\u30e3\u30c3\u30b7\u30e5\u306f\u3001\u65b0\u305f\u306a\u6210\u9577\u6295\u8cc7\u306e\u539f\u8cc7\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u58f2\u639b\u91d1\u306e\u65e9\u671f\u56de\u53ce<\/h4>\n\n\n\n<p>\u8acb\u6c42\u66f8\u306e\u767a\u884c\u306f\u8fc5\u901f\u306b\u3002\u5165\u91d1\u30b5\u30a4\u30af\u30eb\u30921\u65e5\u3067\u3082\u65e9\u3081\u308b\u52aa\u529b\u304c\u3001\u8cc7\u91d1\u7e70\u308a\u3092\u5287\u7684\u306b\u6539\u5584\u3055\u305b\u307e\u3059\u3002<\/p>\n\n\n\n<p class=\"is-style-big_icon_point\">\u79c1\u304c\u30b3\u30f3\u30b5\u30eb\u30c6\u30a3\u30f3\u30b0\u3067\u652f\u63f4\u3057\u305f\u57fc\u7389\u306e\u3042\u308b\u88fd\u9020\u696d\u306e\u793e\u9577\u306f\u3001\u3053\u306e\u8cc7\u7523\u52b9\u7387\u5316\u306b\u5fb9\u5e95\u7684\u306b\u53d6\u308a\u7d44\u307f\u307e\u3057\u305f\u3002<br>\u6ede\u3063\u3066\u3044\u305f\u8840\u6d41\u304c\u3001\u30c9\u30af\u30f3\u3001\u30c9\u30af\u30f3\u3068\u529b\u5f37\u304f\u6d41\u308c\u51fa\u3059\u3088\u3046\u306b\u3001\u901a\u5e33\u306e\u6570\u5b57\u304c\u5897\u3048\u3066\u3044\u304f\u3002<br>\u793e\u9577\u306e\u9854\u304b\u3089\u4e0d\u5b89\u304c\u6d88\u3048\u3001\u81ea\u4fe1\u304c\u307f\u306a\u304e\u3063\u3066\u3044\u304f\u69d8\u5b50\u3092\u3001\u79c1\u306f\u4eca\u3067\u3082\u9bae\u660e\u306b\u899a\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p><strong>\u7720\u3063\u3066\u3044\u308b\u8cc7\u7523\u3092\u30ad\u30e3\u30c3\u30b7\u30e5\u306b\u5909\u3048\u308b\u3053\u3068\u3002\u3053\u308c\u3053\u305d\u304c\u3001\u9280\u884c\u304c\u6700\u3082\u597d\u3080\u300c\u7d4c\u55b6\u6539\u5584\u306e\u30b9\u30c8\u30fc\u30ea\u30fc\u300d\u3067\u3059\u3002<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u30a2\u30af\u30b7\u30e7\u30f33\uff1a\u8ca1\u52d9\u30ec\u30d0\u30ec\u30c3\u30b8\u3092\u6700\u9069\u5316\u3059\u308b<\/h3>\n\n\n\n<p>\u3053\u308c\u306f\u4e3b\u306bROE\u306e\u6539\u5584\u306b\u95a2\u308f\u308b\u8a71\u3067\u3059\u3002<br>\u8ca1\u52d9\u30ec\u30d0\u30ec\u30c3\u30b8\u3068\u306f\u3001\u501f\u5165\u91d1\u306a\u3069\u4ed6\u4eba\u8cc7\u672c\u3092\u3046\u307e\u304f\u6d3b\u7528\u3057\u3066\u3001\u81ea\u5df1\u8cc7\u672c\u306b\u5bfe\u3059\u308b\u5229\u76ca\u7387\u3092\u9ad8\u3081\u308b\u300c\u3066\u3053\u306e\u539f\u7406\u300d\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u3082\u3061\u308d\u3093\u3001\u904e\u5ea6\u306a\u501f\u5165\u306f\u30ea\u30b9\u30af\u3092\u9ad8\u3081\u307e\u3059\u3002<br>\u3057\u304b\u3057\u3001\u660e\u78ba\u306a\u6210\u9577\u6226\u7565\u304c\u3042\u308b\u306e\u3067\u3042\u308c\u3070\u3001\u9069\u5207\u306a\u501f\u5165\u306fROE\u3092\u9ad8\u3081\u3001\u6210\u9577\u3092\u52a0\u901f\u3055\u305b\u308b\u6b66\u5668\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u3053\u3067\u91cd\u8981\u306a\u306e\u306f\u3001\u9280\u884c\u306b\u5bfe\u3059\u308b<strong>\u300c\u8aac\u660e\u8cac\u4efb\u300d<\/strong>\u3067\u3059\u3002<br><strong><span style=\"background-color:#fff189\" class=\"swl-bg-color\">\u300c\u306a\u305c\u3001\u4eca\u3053\u306e\u501f\u5165\u304c\u5fc5\u8981\u306a\u306e\u304b\u3002\u305d\u3057\u3066\u3001\u305d\u306e\u6295\u8cc7\u304c\u5c06\u6765\u3001ROE\u3092\u3069\u308c\u3060\u3051\u5411\u4e0a\u3055\u305b\u308b\u898b\u8fbc\u307f\u306a\u306e\u304b\u300d<\/span><\/strong><br>\u3053\u306e\u554f\u3044\u306b\u3001\u3042\u306a\u305f\u81ea\u8eab\u306e\u8a00\u8449\u3067\u3001\u5177\u4f53\u7684\u306a\u6570\u5b57\u3092\u4ea4\u3048\u3066\u8a9e\u308c\u308b\u3053\u3068\u3002<br>\u305d\u306e\u71b1\u610f\u3068\u8ad6\u7406\u6027\u304c\u4f1d\u308f\u308c\u3070\u3001\u9280\u884c\u306f\u3042\u306a\u305f\u306e\u6311\u6226\u3092\u524d\u5411\u304d\u306b\u5fdc\u63f4\u3057\u3066\u304f\u308c\u308b\u306f\u305a\u3067\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u3088\u304f\u3042\u308b\u8cea\u554f\uff08FAQ\uff09<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Q: ROA\u3068ROE\u3001\u4e2d\u5c0f\u4f01\u696d\u306f\u3069\u3061\u3089\u3092\u3088\u308a\u91cd\u8996\u3059\u3079\u304d\u3067\u3059\u304b\uff1f<\/h3>\n\n\n\n<p>A: \u5143\u9280\u884c\u54e1\u306e\u8996\u70b9\u304b\u3089\u8a00\u3048\u3070\u3001\u307e\u305a\u306f<strong>\u300cROA\u300d<\/strong>\u3067\u3059\u3002\u9280\u884c\u306f\u878d\u8cc7\u306e\u5b89\u5168\u6027\u3092\u7b2c\u4e00\u306b\u8003\u3048\u308b\u305f\u3081\u3001\u501f\u5165\u91d1\u3092\u542b\u3081\u305f\u7dcf\u8cc7\u7523\u3067\u3069\u308c\u3060\u3051\u5229\u76ca\u3092\u51fa\u305b\u308b\u304b\u3068\u3044\u3046ROA\u3092\u91cd\u8996\u3057\u307e\u3059\u3002ROA\u3067\u5b89\u5b9a\u3057\u305f\u57fa\u76e4\u3092\u793a\u3057\u305f\u4e0a\u3067\u3001ROE\u3067\u6210\u9577\u6027\u3092\u793a\u3059\u306e\u304c\u7406\u60f3\u7684\u306a\u6d41\u308c\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q: \u8d64\u5b57\u6c7a\u7b97\u306e\u5834\u5408\u3001ROA\u3084ROE\u306f\u30de\u30a4\u30ca\u30b9\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u878d\u8cc7\u306f\u7d76\u671b\u7684\u3067\u3059\u304b\uff1f<\/h3>\n\n\n\n<p>A: \u7d76\u671b\u7684\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u79c1\u304c\u878d\u8cc7\u5be9\u67fb\u3092\u62c5\u5f53\u3057\u3066\u3044\u305f\u6642\u4ee3\u3001\u4e00\u6642\u7684\u306a\u8d64\u5b57\u3067\u3082\u3001\u305d\u306e\u539f\u56e0\uff08\u4f8b\u3048\u3070\u5148\u884c\u6295\u8cc7\u306a\u3069\uff09\u304c\u660e\u78ba\u3067\u3001\u5177\u4f53\u7684\u306a\u6539\u5584\u8a08\u753b\uff08\u4f8b\u3048\u3070\u3001\u8cc7\u7523\u58f2\u5374\u306b\u3088\u308bROA\u6539\u5584\u7b56\u306a\u3069\uff09\u304c\u793a\u3055\u308c\u308c\u3070\u3001\u878d\u8cc7\u3092\u5b9f\u884c\u3057\u305f\u30b1\u30fc\u30b9\u306f\u591a\u3005\u3042\u308a\u307e\u3059\u3002\u91cd\u8981\u306a\u306e\u306f\u3001\u6570\u5024\u3092\u6b63\u76f4\u306b\u793a\u3057\u3001\u3069\u3046\u6539\u5584\u3057\u3066\u3044\u304f\u304b\u3092\u5177\u4f53\u7684\u306b\u8a9e\u308c\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q: ROE\u304c\u9ad8\u3051\u308c\u3070\u9ad8\u3044\u307b\u3069\u826f\u3044\u306e\u3067\u3059\u304b\uff1f<\/h3>\n\n\n\n<p>A: \u4e00\u6982\u306b\u305d\u3046\u3068\u306f\u8a00\u3048\u307e\u305b\u3093\u3002\u4f8b\u3048\u3070\u3001\u591a\u984d\u306e\u501f\u91d1\u3092\u3057\u3066\u81ea\u5df1\u8cc7\u672c\u6bd4\u7387\u304c\u6975\u7aef\u306b\u4f4e\u3044\u5834\u5408\u3001ROE\u306f\u898b\u304b\u3051\u4e0a\u9ad8\u304f\u306a\u308a\u307e\u3059\u304c\u3001\u5012\u7523\u30ea\u30b9\u30af\u3082\u9ad8\u3044\u72b6\u614b\u3067\u3059\u3002\u9280\u884c\u306fROA\u3084\u81ea\u5df1\u8cc7\u672c\u6bd4\u7387\u3068\u5408\u308f\u305b\u3066\u7dcf\u5408\u7684\u306b\u5224\u65ad\u3059\u308b\u305f\u3081\u3001ROE\u306e\u9ad8\u3055\u3060\u3051\u3067\u5b89\u5fc3\u3059\u308b\u306e\u306f\u5371\u967a\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q: \u3053\u308c\u3089\u306e\u6307\u6a19\u306f\u3001\u3044\u3064\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u3067\u9280\u884c\u306b\u30a2\u30d4\u30fc\u30eb\u3059\u308c\u3070\u826f\u3044\u3067\u3059\u304b\uff1f<\/h3>\n\n\n\n<p>A: \u6c7a\u7b97\u5f8c\u306e\u5831\u544a\u3084\u3001\u65b0\u305f\u306a\u878d\u8cc7\u76f8\u8ac7\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u304c\u6700\u9069\u3067\u3059\u3002\u7279\u306b\u300c\u524d\u671f\u306b\u6bd4\u3079\u3066ROA\u304c2%\u6539\u5584\u3057\u307e\u3057\u305f\u3002\u3053\u308c\u306f\u5728\u5eab\u5727\u7e2e\u3092\u5fb9\u5e95\u3057\u305f\u6210\u679c\u3067\u3059\u300d\u306e\u3088\u3046\u306b\u3001<strong>\u5177\u4f53\u7684\u306a\u53d6\u308a\u7d44\u307f\u3068\u7d50\u679c\u3092\u30bb\u30c3\u30c8\u3067\u5831\u544a\u3059\u308b<\/strong>\u3068\u3001\u7d4c\u55b6\u6539\u5584\u3078\u306e\u610f\u6b32\u3092\u9ad8\u304f\u8a55\u4fa1\u3055\u308c\u3001\u4fe1\u983c\u95a2\u4fc2\u306e\u69cb\u7bc9\u306b\u7e4b\u304c\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q: \u5c02\u9580\u5bb6\uff08\u7a0e\u7406\u58eb\u3084\u30b3\u30f3\u30b5\u30eb\u30bf\u30f3\u30c8\uff09\u306b\u76f8\u8ac7\u3059\u308b\u30e1\u30ea\u30c3\u30c8\u306f\u4f55\u3067\u3059\u304b\uff1f<\/h3>\n\n\n\n<p>A: 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class=\"wp-block-heading\">\u307e\u3068\u3081\uff1a\u3042\u306a\u305f\u306e\u4f1a\u793e\u306e\u300c\u7269\u8a9e\u300d\u3092\u3001\u6570\u5b57\u3067\u8a9e\u308d\u3046<\/h2>\n\n\n\n<p>\u3053\u306e\u8a18\u4e8b\u3067\u304a\u4f1d\u3048\u3057\u305f\u304b\u3063\u305f\u3053\u3068\u306f\u3001\u305f\u3063\u305f\u4e00\u3064\u3067\u3059\u3002<br>ROA\u3084ROE\u306f\u3001\u5358\u306a\u308b\u7121\u6a5f\u8cea\u306a\u6570\u5b57\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<br>\u305d\u308c\u306f\u3001\u3042\u306a\u305f\u306e\u4f1a\u793e\u304c\u6301\u3064\u300c\u7a3c\u3050\u529b\u300d\u3092\u3001\u305d\u3057\u3066\u7d4c\u55b6\u8005\u3067\u3042\u308b\u3042\u306a\u305f\u306e\u300c\u624b\u8155\u300d\u3092\u5ba2\u89b3\u7684\u306b\u793a\u3059\u3001<strong>\u6700\u5f37\u306e\u30b3\u30df\u30e5\u30cb\u30b1\u30fc\u30b7\u30e7\u30f3\u30c4\u30fc\u30eb<\/strong>\u306a\u306e\u3067\u3059\u3002<\/p>\n\n\n<div class=\"swell-block-balloon\"><div class=\"c-balloon -bln-left\" data-col=\"yellow\"><div 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