{"id":39,"date":"2013-04-01T09:15:55","date_gmt":"2013-04-01T01:15:55","guid":{"rendered":"http:\/\/blog.moneythor.com\/?p=39"},"modified":"2024-03-05T16:36:48","modified_gmt":"2024-03-05T08:36:48","slug":"pfm%e6%8e%a1%e7%94%a8%e3%82%b3%e3%83%bc%e3%83%89%e3%82%92%e8%a7%a3%e8%aa%ad%e3%81%99%e3%82%8b","status":"publish","type":"post","link":"https:\/\/www.moneythor.com\/jp\/%e5%88%86%e6%9e%90%e6%84%8f%e8%a6%8b\/pfm%e6%8e%a1%e7%94%a8%e3%82%b3%e3%83%bc%e3%83%89%e3%82%92%e8%a7%a3%e8%aa%ad%e3%81%99%e3%82%8b\/","title":{"rendered":"PFM \u5c0e\u5165\u30b3\u30fc\u30c9\u306e\u89e3\u8aad"},"content":{"rendered":"<p>Personal Finance Management (PFM) \u30c4\u30fc\u30eb\u306e\u5c0e\u5165\u306f\u6c34\u6e96\u4ee5\u4e0b\u3067\u3042\u308b\u3068\u5e83\u304f\u5831\u544a\u3055\u308c\u3066\u3044\u307e\u3059\u3002<!--more--><\/p>\n<p>\u3053\u308c\u307e\u3067\u306e\u3068\u3053\u308d\u3001\u3053\u306e\u30c6\u30fc\u30de\u306b\u95a2\u3059\u308b\u30c7\u30fc\u30bf\u306e\u307b\u3068\u3093\u3069\u306f\u7c73\u56fd\u306b\u57fa\u3065\u3044\u3066\u3044\u307e\u3059\u3002\u306e\u30a2\u30ca\u30ea\u30b9\u30c8 <a title=\"\u30bb\u30ec\u30f3\u30c8\" href=\"http:\/\/www.celent.com\" target=\"_blank\" rel=\"noopener\">\u30bb\u30ec\u30f3\u30c8<\/a> \u5c11\u3057\u524d\u306b\u3001\u3059\u3079\u3066\u306e\u30aa\u30f3\u30e9\u30a4\u30f3 \u30d0\u30f3\u30ad\u30f3\u30b0 \u30e6\u30fc\u30b6\u30fc\u306e\u3046\u3061\u3001PFM \u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306e\u30a2\u30af\u30c6\u30a3\u30d6 \u30e6\u30fc\u30b6\u30fc\u306f 3.8% \u3060\u3051\u3067\u3042\u308b\u3068\u8ff0\u3079\u307e\u3057\u305f\u3002 <a title=\"\u9023\u90a6\u6e96\u5099\u91d1\" href=\"http:\/\/www.federalreserve.gov\/econresdata\/mobile-devices\/2012-other-mobile-financial-services.htm\" target=\"_blank\" rel=\"noopener\">\u9023\u90a6\u6e96\u5099\u91d1<\/a> 2012 \u5e74\u306e\u30ec\u30dd\u30fc\u30c8\u3067\u306f\u300121% \u306e\u6d88\u8cbb\u8005\u304c\u73fe\u5728 PFM \u30c4\u30fc\u30eb\u3092\u4f7f\u7528\u3057\u3066\u3044\u308b\u3068\u8ff0\u3079\u3066\u3044\u307e\u3059\u304c\u3001 <a title=\"\u30a2\u30a4\u30c6\u30b0\u30eb\u30fc\u30d7\" href=\"http:\/\/www.aitegroup.com\" target=\"_blank\" rel=\"noopener\">\u30a2\u30a4\u30c6\u30b0\u30eb\u30fc\u30d7<\/a> 27%\u3067\u306f\u3082\u3046\u5c11\u3057\u9ad8\u3044\u3068\u4fe1\u3058\u3066\u3044\u307e\u3057\u305f\u304c\u3001 <a title=\"\u3084\u308a\u6295\u3052\" href=\"http:\/\/www.javelinstrategy.com\" target=\"_blank\" rel=\"noopener\">\u3084\u308a\u6295\u3052<\/a> \u5f93\u6765\u306e\u8cc7\u91d1\u7ba1\u7406\u30bd\u30d5\u30c8\u30a6\u30a7\u30a2\u3084\u30b9\u30d7\u30ec\u30c3\u30c9\u30b7\u30fc\u30c8\u304b\u3089\u30aa\u30f3\u30e9\u30a4\u30f3 \u30d0\u30f3\u30ad\u30f3\u30b0\u3084\u30b5\u30fc\u30c9\u30d1\u30fc\u30c6\u30a3 \u30b5\u30fc\u30d3\u30b9\u306b\u81f3\u308b\u307e\u3067\u3001PFM \u30c4\u30fc\u30eb\u3092\u7d44\u307f\u5408\u308f\u305b\u3066\u4f7f\u7528\u3059\u308b 21% \u3068\u5408\u610f\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>\u73fe\u5728\u3001\u4e16\u754c\u306e\u305d\u306e\u4ed6\u306e\u5730\u57df\u3068 PFM \u3068\u306e\u95a2\u4fc2\u306b\u95a2\u3059\u308b\u516c\u958b\u30c7\u30fc\u30bf\u306f\u307b\u3068\u3093\u3069\u3042\u308a\u307e\u305b\u3093\u3002\u3053\u308c\u306f\u4e3b\u306b\u3001\u30aa\u30f3\u30e9\u30a4\u30f3 \u30d0\u30f3\u30ad\u30f3\u30b0\u306b\u7d44\u307f\u8fbc\u307e\u308c\u3066\u3044\u308b\u304b\u30b9\u30bf\u30f3\u30c9\u30a2\u30ed\u30f3\u3067\u3042\u308b\u304b\u306b\u95a2\u4fc2\u306a\u304f\u3001\u95a2\u9023\u30aa\u30f3\u30e9\u30a4\u30f3 \u30c4\u30fc\u30eb\u306e\u5c55\u958b\u304c\u521d\u671f\u6bb5\u968e\u306b\u3042\u308a\u3001\u30a2\u30ca\u30ea\u30b9\u30c8\u306e\u5bfe\u8c61\u7bc4\u56f2\u304c\u9650\u3089\u308c\u3066\u3044\u308b\u305f\u3081\u3067\u3059\u3002\u305f\u3060\u3057\u3001\u3069\u3053\u3067\u3082 PFM \u306e\u63a1\u7528\u3092\u62e1\u5927\u3059\u308b\u4f59\u5730\u306f\u78ba\u304b\u306b\u3042\u308b\u3068\u3044\u3046\u306e\u304c\u3001\u30ac\u30e9\u30b9\u534a\u5206\u306e\u30b3\u30f3\u30bb\u30f3\u30b5\u30b9\u3067\u3059\u3002<\/p>\n<p><strong>PFM \u306e\u53e3\u7d05<\/strong><\/p>\n<p>\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u4e0a\u306e\u61f8\u5ff5\u3068\u30b5\u30fc\u30c9\u30d1\u30fc\u30c6\u30a3 \u30b5\u30fc\u30d3\u30b9\u306e\u4f7f\u7528\u306b\u95a2\u3059\u308b\u4fe1\u983c\u6027\u306e\u554f\u984c\u306b\u3064\u3044\u3066\u306f\u5225\u306e\u30d6\u30ed\u30b0\u6295\u7a3f\u306b\u8b72\u308a\u3001\u4eca\u306f\u9280\u884c\u304c\u63d0\u4f9b\u3059\u308b PFM \u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306b\u7126\u70b9\u3092\u5f53\u3066\u307e\u3057\u3087\u3046\u3002\u5c0e\u5165\u3055\u308c\u306a\u3044\u4e3b\u306a\u7406\u7531\u306e 1 \u3064\u306f\u3001\u5f93\u6765\u306e\u30aa\u30f3\u30e9\u30a4\u30f3 \u30d0\u30f3\u30ad\u30f3\u30b0\u6a5f\u80fd\u3068\u5171\u901a\u306e\u30e6\u30fc\u30b6\u30fc \u30a8\u30af\u30b9\u30da\u30ea\u30a8\u30f3\u30b9\u304c\u5b58\u5728\u3057\u306a\u3044\u3053\u3068\u3067\u3059\u3002 PFM \u3092\u5225\u306e\u30bf\u30d6\u306b\u79fb\u52d5\u3055\u305b\u3001\u305d\u306e\u6a5f\u80fd\u3092\u53d6\u5f15\u8a73\u7d30\u3084\u53d6\u5f15\u660e\u7d30\u306a\u3069\u306e\u30aa\u30f3\u30e9\u30a4\u30f3 \u30d0\u30f3\u30ad\u30f3\u30b0\u306e\u4e3b\u8981\u306a\u30bb\u30af\u30b7\u30e7\u30f3\u306b\u63a5\u7d9a\u3067\u304d\u306a\u3044\u3053\u3068\u306f\u3001\u660e\u3089\u304b\u306b\u5f79\u306b\u7acb\u3061\u307e\u305b\u3093\u3002\u3057\u305f\u304c\u3063\u3066\u3001\u3053\u306e 2 \u3064\u3092\u3088\u308a\u9069\u5207\u306b\u7d50\u3073\u4ed8\u3051\u308b\u306b\u306f\u3001\u30e6\u30fc\u30b6\u30d3\u30ea\u30c6\u30a3\u3068\u30c7\u30b6\u30a4\u30f3\u306e\u30c8\u30ea\u30c3\u30af\u304c\u5fc5\u8981\u306b\u306a\u308a\u307e\u3059\u3002\u7d20\u6674\u3089\u3057\u3044\u3002<\/p>\n<p>\u305d\u306e\u4ed6\u306e\u7406\u7531\u306b\u306f\u3001\u9280\u884c\u304c\u516c\u958b Web \u30b5\u30a4\u30c8\u3067\u306e\u30d0\u30ca\u30fc\u3084\u30b9\u30d7\u30e9\u30c3\u30b7\u30e5 \u30da\u30fc\u30b8\u3001\u9867\u5ba2\u3068\u30b9\u30bf\u30c3\u30d5\u306e\u4e21\u65b9\u3078\u306e\u9069\u5207\u306a\u6559\u80b2\u3001\u65b0\u6a5f\u80fd\u306e\u8a8d\u8b58\u3092\u9ad8\u3081\u308b\u305f\u3081\u306e\u305d\u306e\u4ed6\u306e\u30de\u30eb\u30c1\u30c1\u30e3\u30cd\u30eb\u6226\u7565\u306a\u3069\u3092\u4f7f\u7528\u3057\u3066\u3001PFM \u30c4\u30fc\u30eb\u306e\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u3092\u3088\u308a\u9069\u5207\u306b\u884c\u3046\u5fc5\u8981\u6027\u304c\u542b\u307e\u308c\u307e\u3059\u3002\u53f3\u306b\u3002<\/p>\n<p>\u3069\u308c\u3082\u6b63\u5f53\u306a\u7406\u7531\u3067\u3059\u304c\u3001\u3053\u308c\u3089\u306f\u6839\u672c\u539f\u56e0\u306b\u5bfe\u51e6\u3057\u3088\u3046\u3068\u3057\u3066\u3044\u308b\u3067\u3057\u3087\u3046\u304b?<\/p>\n<p><strong>\u5927\u8846\u306e\u305f\u3081\u306e\u304a\u91d1\u306e\u7ba1\u7406<\/strong><\/p>\n<p>\u73fe\u5728\u306e\u307b\u3068\u3093\u3069\u306e PFM \u30c4\u30fc\u30eb\u306f\u3001\u57fa\u672c\u7684\u306b\u3001\u7531\u7dd2\u3042\u308b Quicken \u3084 Microsoft Money \u306a\u3069\u306e\u5f93\u6765\u306e\u8cc7\u91d1\u7ba1\u7406\u30c4\u30fc\u30eb\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u79fb\u690d\u3067\u3059\u3002\u3053\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u306f\u3001\u6d88\u8cbb\u8005\u304c\u81ea\u5206\u306e\u304a\u91d1\u3092\u7ba1\u7406\u3057\u3001\u81ea\u5206\u306e\u8ca1\u52d9\u72b6\u6cc1\u3092\u8a73\u7d30\u306b\u8ffd\u8de1\u3059\u308b\u305f\u3081\u306b\u304b\u306a\u308a\u306e\u7a7a\u304d\u6642\u9593\u3092\u5272\u308a\u5f53\u3066\u308b\u3053\u3068\u3092\u671b\u3093\u3067\u304a\u308a\u3001\u3055\u3089\u306b\u597d\u3093\u3067\u3044\u308b\u3053\u3068\u3092\u524d\u63d0\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u771f\u5b9f\u306f\u3001\u8cc7\u91d1\u7ba1\u7406\u611b\u597d\u5bb6\u3092\u8d85\u3048\u3066\u3001\u4e00\u822c\u7684\u306b\u306f\u305d\u3046\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>Moneythor \u3067\u306f\u3001\u63a1\u7528\u3092\u5897\u3084\u3059\u305f\u3081\u306e\u91cd\u8981\u306a\u65b9\u6cd5\u306f\u3001\u975e\u5e38\u306b\u591a\u304f\u306e\u4e88\u7b97\u3092\u5acc\u3046\u4eba\u3005\u3001Quicken \u3084 Microsoft Money \u306a\u3069\u6c17\u306b\u3057\u305f\u3053\u3068\u306e\u306a\u3044\u4eba\u3005\u3001\u81ea\u5206\u306e\u8ca1\u653f\u3068\u8acb\u6c42\u66f8\u304c\u9806\u8abf\u306b\u9032\u3093\u3067\u3044\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3057\u305f\u3044\u4eba\u3005\u306b\u5fdc\u3048\u308b\u3053\u3068\u3067\u3042\u308b\u3068\u4e3b\u5f35\u3057\u307e\u3059\u3002\u52aa\u529b\u3059\u308b\u3053\u3068\u306a\u304f\u3001\u3082\u3061\u308d\u3093\u3001\u3054\u304f\u308f\u305a\u304b\u306a\u51fa\u8cbb\u3092\u5b9a\u671f\u7684\u306b\u6df1\u304f\u6398\u308a\u4e0b\u3052\u308b\u5fc5\u8981\u3082\u306a\u304f\u3001\u652f\u6255\u3044\u3068\u8caf\u84c4\u3092\u9069\u5207\u306b\u884c\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u300c\u30c4\u30fc\u30eb\u304b\u3089\u4f55\u3089\u304b\u306e\u4fa1\u5024\u3092\u5f97\u308b\u524d\u306b\u3001\u305f\u3060\u5186\u30b0\u30e9\u30d5\u3092\u6295\u3052\u3064\u3051\u305f\u308a\u3001\u8a73\u7d30\u306a\u4e88\u7b97\u3092\u8a2d\u5b9a\u3059\u308b\u3088\u3046\u6c42\u3081\u305f\u308a\u3057\u306a\u3044\u3067\u304f\u3060\u3055\u3044\u3002\u307e\u305a\u3001\u79c1\u305f\u3061\u306e\u652f\u51fa\u30d1\u30bf\u30fc\u30f3\u306b\u57fa\u3065\u3044\u3066\u3001\u79c1\u305f\u3061\u306b\u95a2\u9023\u3059\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u3044\u3082\u306e\u3092\u81ea\u52d5\u7684\u306b\u691c\u51fa\u3059\u308b\u3088\u3046\u52aa\u3081\u3066\u304f\u3060\u3055\u3044\u3002\u8ca1\u653f\u3092\u6539\u5584\u3059\u308b\u305f\u3081\u306b\u3001\u5b9f\u884c\u53ef\u80fd\u306a\u52e7\u544a\u3001\u3042\u308b\u3044\u306f\u5c11\u306a\u304f\u3068\u3082\u601d\u8003\u306e\u6750\u6599\u3092\u4e0e\u3048\u3066\u304f\u3060\u3055\u3044\u300d\u3068\u5927\u8846\u306f\u53eb\u3073\u307e\u3059\u3002<\/p>\n<p>\u5168\u4f53\u3068\u3057\u3066\u3001PFM \u6a5f\u80fd\u306f\u5358\u7d14\u306b\u90aa\u9b54\u306b\u306a\u3089\u306a\u3044\u3088\u3046\u306b\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u30e6\u30fc\u30b6\u30fc\u306b\u9069\u5207\u306a\u91cf\u306e\u8ce2\u3044\u30a2\u30e9\u30fc\u30c8\u3084\u8ca1\u52d9\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u81ea\u52d5\u7684\u306b\u63d0\u4f9b\u3059\u308b\u306b\u306f\u3001\u6a19\u6e96\u306e\u30aa\u30f3\u30e9\u30a4\u30f3 \u30d0\u30f3\u30ad\u30f3\u30b0\u6a5f\u80fd\u3068\u5b8c\u5168\u306b\u878d\u5408\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u7e70\u308a\u8fd4\u3057\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u6d88\u8cbb\u8005\u306b\u50cd\u304f\u3088\u3046\u306b\u6c42\u3081\u308b\u3053\u3068\u304b\u3089\u8b70\u8ad6\u3092\u59cb\u3081\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u7a4d\u6975\u7684\u306b\u652f\u63f4\u3057\u3001\u4ee3\u308f\u308a\u306b\u30bd\u30d5\u30c8\u306b\u6559\u80b2\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<p><span style=\"line-height: 1.6;\">\u3069\u3046\u601d\u3044\u307e\u3059\u304b\uff1f\u500b\u4eba\u306e\u8ca1\u52d9\u7ba1\u7406\u306f\u3001\u6d88\u8cbb\u8005\u306e\u65e5\u5e38\u696d\u52d9\u306e\u4e2d\u3067\u5358\u72ec\u306e\u30a2\u30af\u30c6\u30a3\u30d3\u30c6\u30a3\u3068\u3057\u3066\u6a5f\u80fd\u3059\u308b\u3079\u304d\u3060\u3068\u601d\u3044\u307e\u3059\u304b\u3001\u305d\u308c\u3068\u3082\u3001\u3088\u308a\u591a\u304f\u306e\u30e6\u30fc\u30b6\u30fc\u3092\u5f15\u304d\u4ed8\u3051\u3001\u5c0e\u5165\u306e\u96e3\u984c\u3092\u89e3\u6c7a\u3059\u308b\u305f\u3081\u306b\u3001\u3082\u3046\u5c11\u3057\u5de7\u5999\u3067\u975e\u4fb5\u5165\u7684\u306a\u3082\u306e\u306b\u306a\u308b\u3079\u304d\u3060\u3068\u601d\u3044\u307e\u3059\u304b?<\/span><\/p>\n\t<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_428386769\">\n\t\t<a class=\"\" href=\"#newsletter-subscription-blog\" >\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1020\" height=\"299\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/Article-CTA-NEW-BRANDING.png\" class=\"attachment-large size-large\" alt=\"\u30de\u30cd\u30fc\u30bd\u30fc\u306e\u30cb\u30e5\u30fc\u30b9\u30ec\u30bf\u30fc\u3092\u8cfc\u8aad\u3059\u308b\" srcset=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/Article-CTA-NEW-BRANDING.png 1024w, https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/Article-CTA-NEW-BRANDING-768x225.png 768w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\n<style>\n#image_428386769 {\n  width: 100%;\n}\n<\/style>\n\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Personal Finance Management (PFM) 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