{"id":477,"date":"2026-04-14T16:19:26","date_gmt":"2026-04-14T07:19:26","guid":{"rendered":"https:\/\/wismoney.jp\/chokin\/expert\/?p=477"},"modified":"2026-04-14T16:19:26","modified_gmt":"2026-04-14T07:19:26","slug":"surplus-check","status":"publish","type":"post","link":"https:\/\/wismoney.jp\/chokin\/expert\/surplus-check\/","title":{"rendered":"\u4f59\u88d5\u8cc7\u91d1\u306e\u628a\u63e1\u65b9\u6cd5\u306f\u7c21\u5358\u306a3\u3064\u306e\u8cea\u554f\u3060\u3051\u3067OK\uff5c5\u5206\u3067\u4e0d\u5b89\u3092\u6570\u5024\u5316"},"content":{"rendered":"<p>\u4f59\u88d5\u8cc7\u91d1\u3068\u306f\u3001\u53e3\u5ea7\u6b8b\u9ad8\u304b\u3089\u56fa\u5b9a\u8cbb\u3084\u6700\u4f4e\u9650\u306e\u751f\u6d3b\u8cbb\u3092\u5dee\u3057\u5f15\u3044\u305f\u3001\u81ea\u7531\u306b\u4f7f\u3048\u308b\u304a\u91d1\u306e\u3053\u3068\u3067\u3059\u3002\u3053\u306e\u4f59\u88d5\u8cc7\u91d1\u3092\u7c21\u5358\u306b\u628a\u63e1\u3059\u308b\u65b9\u6cd5\u306f\u3001<strong>\u6b8b\u9ad8\u304b\u3089\u56fa\u5b9a\u8cbb\u3068\u6700\u4f4e\u9650\u306e\u5909\u52d5\u8cbb\u3092\u5f15\u304f<\/strong>\u3060\u3051\u3002\u8907\u96d1\u306a\u5bb6\u8a08\u7c3f\u306f\u4e0d\u8981\u3067\u30013\u3064\u306e\u8cea\u554f\u306b\u7b54\u3048\u308c\u3070\u4eca\u6708\u3042\u3068\u3044\u304f\u3089\u4f7f\u3048\u308b\u304b\u304c5\u5206\u3067\u308f\u304b\u308a\u307e\u3059\u3002\u3053\u306e\u8a18\u4e8b\u3067\u306f\u3001\u306a\u3093\u3068\u306a\u304f\u306e\u4e0d\u5b89\u3092\u5177\u4f53\u7684\u306a\u6570\u5b57\u306b\u5909\u63db\u3059\u308b\u30d7\u30ed\u30bb\u30b9\u3092\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<h2>\u4f59\u88d5\u8cc7\u91d1\u304c\u898b\u3048\u306a\u3044\u304b\u3089\u4e0d\u5b89\u304c\u6d88\u3048\u306a\u3044\u7406\u7531<\/h2>\n<p>\u6bce\u6708\u306e\u53ce\u652f\u304c\u9ed2\u5b57\u3067\u3082\u3001\u306a\u305c\u304b\u5fc3\u914d\u304c\u6d88\u3048\u306a\u3044\u3002\u305d\u3093\u306a\u7d4c\u9a13\u306f\u3042\u308a\u307e\u305b\u3093\u304b\u3002\u3053\u306e\u4e0d\u5b89\u306e\u6b63\u4f53\u306f\u3001\u304a\u91d1\u304c\u8db3\u308a\u306a\u3044\u3053\u3068\u3067\u306f\u306a\u304f\u3001<strong>\u5b89\u5fc3\u306e\u57fa\u6e96\u304c\u66d6\u6627\u306a\u3053\u3068<\/strong>\u306b\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3044\u304f\u3089\u3042\u308c\u3070\u5b89\u5fc3\u304b\u3092\u81ea\u5206\u3067\u5b9a\u7fa9\u3057\u3066\u3044\u306a\u3044\u3068\u3001\u3044\u304f\u3089\u8caf\u307e\u3063\u3066\u3082\u6f20\u7136\u3068\u3057\u305f\u4e0d\u5b89\u306f\u6e1b\u308a\u307e\u305b\u3093\u3002\u5bb6\u8a08\u7c3f\u3092\u3064\u3051\u3066\u3082\u5b89\u5fc3\u3067\u304d\u306a\u3044\u4eba\u306f\u3001\u8a18\u9332\u3059\u308b\u3053\u3068\u3068\u5b89\u5fc3\u3092\u5f97\u308b\u3053\u3068\u304c\u5225\u7269\u3060\u3068\u6c17\u3065\u3044\u3066\u3044\u306a\u3044\u30b1\u30fc\u30b9\u304c\u591a\u3044\u3067\u3059\u3002<\/p>\n<p>\u5b9f\u969b\u3001\u91d1\u878d\u5e81\u306e\u8abf\u67fb\u3067\u3082\u4f59\u88d5\u8cc7\u91d1\u306b\u8ab2\u984c\u3092\u611f\u3058\u3066\u3044\u308b\u5c64\u306e\u591a\u3055\u304c\u308f\u304b\u308a\u307e\u3059\u3002<\/p>\n<table>\n<caption>\u91d1\u878d\u5546\u54c1\u3092\u8cfc\u5165\u3057\u306a\u304b\u3063\u305f\u7406\u7531\uff08\u8907\u6570\u56de\u7b54\uff09<\/caption>\n<thead>\n<tr>\n<th>\u7406\u7531<\/th>\n<th>\u6295\u8cc7\u672a\u7d4c\u9a13\u30fb\u691c\u8a0e\u8005<\/th>\n<th>\u6295\u8cc7\u672a\u7d4c\u9a13\u30fb\u672a\u691c\u8a0e\u8005<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u4f59\u88d5\u8cc7\u91d1\u304c\u306a\u3044\u304b\u3089<\/td>\n<td>51.1%<\/td>\n<td>51.9%<\/td>\n<\/tr>\n<tr>\n<td>\u8cc7\u7523\u904b\u7528\u306b\u95a2\u3059\u308b\u77e5\u8b58\u304c\u306a\u3044\u304b\u3089<\/td>\n<td>55.5%<\/td>\n<td>37.8%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><small>\u51fa\u5178\uff1a<a href=\"https:\/\/www.fsa.go.jp\/news\/r6\/kokyakuhoni\/fdreport\/04.pdf\">\u91d1\u878d\u5e81\u300c\u30ea\u30b9\u30af\u6027\u91d1\u878d\u5546\u54c1\u8ca9\u58f2\u306b\u4fc2\u308b\u9867\u5ba2\u610f\u8b58\u8abf\u67fb\u7d50\u679c\u300d\u4ee4\u548c6\u5e74<\/a><\/small><\/p>\n<p>\u6295\u8cc7\u672a\u7d4c\u9a13\u8005\u306e\u4e2d\u3067\u306f\u3001\u6295\u8cc7\u3078\u306e\u95a2\u5fc3\u306e\u6709\u7121\u306b\u95a2\u4fc2\u306a\u304f\u7d04\u534a\u6570\u304c\u4f59\u88d5\u8cc7\u91d1\u304c\u306a\u3044\u3068\u56de\u7b54\u3057\u3066\u3044\u307e\u3059\u3002\u3082\u3061\u308d\u3093\u672c\u5f53\u306b\u4f59\u88d5\u304c\u306a\u3044\u30b1\u30fc\u30b9\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u628a\u63e1\u3067\u304d\u3066\u3044\u306a\u3044\u304b\u3089\u300c\u306a\u3044\u300d\u3068\u611f\u3058\u3066\u3044\u308b\u4eba\u3082\u5c11\u306a\u304f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<div class=\"st-kaiwa-box clearfix kaiwaicon1\">\r\n\t<div class=\"st-kaiwa-face\"><img decoding=\"async\" src=\"https:\/\/wismoney.jp\/chokin\/expert\/wp-content\/uploads\/2026\/01\/1111-300x300.jpg\" alt=\"FP\" width=\"100\" height=\"100\">\r\n\t\t<div class=\"st-kaiwa-face-name\">FP<\/div>\r\n\t<\/div>\r\n\t<div class=\"st-kaiwa-area\">\r\n\t\t<div class=\"st-kaiwa-hukidashi\">\u4e0d\u5b89\u306e\u6b63\u4f53\u306f\u6570\u5b57\u304c\u306a\u3044\u3053\u3068\u3067\u306f\u306a\u304f\u3001\u57fa\u6e96\u304c\u306a\u3044\u3053\u3068\u3067\u3059\u3002\u8a18\u9332\u3092\u5897\u3084\u3057\u3066\u3082\u5b89\u5fc3\u306e\u57fa\u6e96\u3092\u6c7a\u3081\u306a\u3051\u308c\u3070\u3001\u4e0d\u5b89\u306f\u6d88\u3048\u307e\u305b\u3093\u3002<\/div>\r\n\t<\/div>\r\n<\/div>\n<p>\u30a6\u30a3\u30ba\u30de\u30cd\u7de8\u96c6\u90e8\u306b\u5c4a\u304f\u58f0\u306e\u4e2d\u306b\u3082\u3001<\/p>\n<div class=\"st-kaiwa-box clearfix kaiwaicon2\">\r\n\t<div class=\"st-kaiwa-face\"><img decoding=\"async\" src=\"https:\/\/wismoney.jp\/chokin\/expert\/wp-content\/uploads\/2026\/02\/22222.jpg\" alt=\"\u76f8\u8ac7\u8005\" width=\"100\" height=\"100\">\r\n\t\t<div class=\"st-kaiwa-face-name\">\u76f8\u8ac7\u8005<\/div>\r\n\t<\/div>\r\n\t<div class=\"st-kaiwa-area\">\r\n\t\t<div class=\"st-kaiwa-hukidashi\">\u6bce\u6708\u306a\u3093\u3068\u306a\u304f\u9ed2\u5b57\u306e\u306f\u305a\u306a\u306e\u306b\u3001\u3042\u3068\u3044\u304f\u3089\u4f7f\u3048\u308b\u304b\u304c\u308f\u304b\u3089\u306a\u304f\u3066\u4e0d\u5b89\u3067\u3059<\/div>\r\n\t<\/div>\r\n<\/div>\n<p>\u3068\u3044\u3046\u60a9\u307f\u304c\u3042\u308a\u307e\u3059\u3002\u614e\u91cd\u306a\u76f8\u8ac7\u8005\u69d8\u306b\u591a\u3044\u3053\u306e\u30bf\u30a4\u30d7\u306e\u4e0d\u5b89\u306f\u3001\u6b21\u306e\u30bb\u30af\u30b7\u30e7\u30f3\u3067\u7d39\u4ecb\u3059\u308b\u65b9\u6cd5\u3067\u6570\u5b57\u306b\u5909\u3048\u3089\u308c\u307e\u3059\u3002<\/p>\n<h2>\u4f59\u88d5\u8cc7\u91d1\u3092\u628a\u63e1\u3059\u308b3\u3064\u306e\u8cea\u554f\u3068\u8a08\u7b97\u65b9\u6cd5<\/h2>\n<p>\u4f59\u88d5\u8cc7\u91d1\u3092\u628a\u63e1\u3059\u308b\u306e\u306b\u3001\u8907\u96d1\u306a\u8a08\u7b97\u306f\u5fc5\u8981\u3042\u308a\u307e\u305b\u3093\u3002\u4ee5\u4e0b\u306e3\u3064\u306e\u8cea\u554f\u306b\u7b54\u3048\u308b\u3060\u3051\u3067\u3001\u4eca\u6708\u306e\u5b89\u5168\u570f\u304c\u6570\u5b57\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<div class=\"st-mybox  has-title \" style=\"background:#E1F5FE;border-color:#B3E5FC;border-width:2px;border-radius:5px;margin: 25px 0;\"><p class=\"st-mybox-title\" style=\"color:#03A9F4;font-weight:bold;text-shadow: #fff 3px 0px 0px, #fff 2.83487px 0.981584px 0px, #fff 2.35766px 1.85511px 0px, #fff 1.62091px 2.52441px 0px, #fff 0.705713px 2.91581px 0px, #fff -0.287171px 2.98622px 0px, #fff -1.24844px 2.72789px 0px, #fff -2.07227px 2.16926px 0px, #fff -2.66798px 1.37182px 0px, #fff -2.96998px 0.42336px 0px, #fff -2.94502px -0.571704px 0px, #fff -2.59586px -1.50383px 0px, #fff -1.96093px -2.27041px 0px, #fff -1.11013px -2.78704px 0px, #fff -0.137119px -2.99686px 0px, #fff 0.850987px -2.87677px 0px, #fff 1.74541px -2.43999px 0px, #fff 2.44769px -1.73459px 0px, #fff 2.88051px -0.838246px 0px;background: linear-gradient(0deg,#E1F5FE 0%,#E1F5FE 55%,rgba(0,0,0,0) 55%,rgba(0,0,0,0) 100%);\"><i class=\"st-fa st-svg-check-circle st-css-no\" aria-hidden=\"true\"><\/i>\u4f59\u88d5\u8cc7\u91d1\u3092\u51fa\u30593\u3064\u306e\u8cea\u554f<\/p><div class=\"st-in-mybox\">\n<ol>\n<li>\u4eca\u6708\u306e\u56fa\u5b9a\u8cbb\u306f\u3044\u304f\u3089\uff1f\uff08\u5bb6\u8cc3\u30fb\u5149\u71b1\u8cbb\u30fb\u901a\u4fe1\u8cbb\u30fb\u4fdd\u967a\u306a\u3069\uff09<\/li>\n<li>\u751f\u6d3b\u306b\u6700\u4f4e\u9650\u5fc5\u8981\u306a\u5909\u52d5\u8cbb\u306f\u3044\u304f\u3089\uff1f\uff08\u98df\u8cbb\u30fb\u65e5\u7528\u54c1\u306e\u6700\u4f4e\u30e9\u30a4\u30f3\uff09<\/li>\n<li>\u4eca\u306e\u53e3\u5ea7\u6b8b\u9ad8\u306f\u3044\u304f\u3089\uff1f<\/li>\n<\/ol>\n<\/div><\/div>\n<p>\u8a08\u7b97\u5f0f\u306f<strong>\u6b8b\u9ad8 \u2212\uff08\u56fa\u5b9a\u8cbb + \u6700\u4f4e\u5909\u52d5\u8cbb\uff09\uff1d \u4eca\u6708\u306e\u4f59\u88d5\u8cc7\u91d1<\/strong>\u3067\u3059\u3002\u3053\u306e\u6570\u5b57\u304c\u300c\u3042\u3068\u25cb\u5186\u4f7f\u3048\u308b\u300d\u306e\u7b54\u3048\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<h3>\u624b\u53d6\u308a25\u4e07\u5186\u3067\u8a66\u3059\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3<\/h3>\n<p>\u305f\u3068\u3048\u3070\u6708\u306e\u624b\u53d6\u308a\u304c25\u4e07\u5186\u3067\u3001\u7d66\u6599\u65e5\u304b\u308910\u65e5\u7d4c\u3063\u305f\u30bf\u30a4\u30df\u30f3\u30b0\u3092\u60f3\u50cf\u3057\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<p>\u53e3\u5ea7\u6b8b\u9ad8\u304c18\u4e07\u5186\u3001\u56fa\u5b9a\u8cbb\u306e\u6b8b\u308a\u304c\u901a\u4fe1\u8cbb\u3068\u4fdd\u967a\u306e\u5408\u8a081.5\u4e07\u5186\u3001\u6700\u4f4e\u5909\u52d5\u8cbb\u304c\u98df\u8cbb\u3068\u65e5\u7528\u54c1\u30673\u4e07\u5186\u3060\u3068\u3059\u308b\u3068\u300118\u4e07\u5186 \u2212\uff081.5\u4e07\u5186 + 3\u4e07\u5186\uff09\uff1d 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class=\"st-kaiwa-box clearfix kaiwaicon1\">\r\n\t<div class=\"st-kaiwa-face\"><img decoding=\"async\" src=\"https:\/\/wismoney.jp\/chokin\/expert\/wp-content\/uploads\/2026\/01\/1111-300x300.jpg\" alt=\"FP\" width=\"100\" height=\"100\">\r\n\t\t<div class=\"st-kaiwa-face-name\">FP<\/div>\r\n\t<\/div>\r\n\t<div class=\"st-kaiwa-area\">\r\n\t\t<div 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