{"id":827268,"date":"2025-07-19T02:49:38","date_gmt":"2025-07-18T18:49:38","guid":{"rendered":"https:\/\/ztylezman.com\/?p=827268"},"modified":"2025-07-19T02:49:38","modified_gmt":"2025-07-18T18:49:38","slug":"american-express-strategy-analysis","status":"publish","type":"post","link":"https:\/\/ztylezman.com\/ja\/markets-ja\/american-express-strategy-analysis\/","title":{"rendered":"\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u306e\u6226\u7565\u3068\u6210\u9577\u7387\u306e\u5206\u6790"},"content":{"rendered":"<p>\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\uff08American Express\uff09\u306f\u3001\u65c5\u884c\u3084\u98f2\u98df\u7279\u5178\u3092\u8a55\u4fa1\u3059\u308b\u5bcc\u88d5\u5c64\u306e\u9867\u5ba2\u306b\u7126\u70b9\u3092\u5f53\u3066\u3066\u304d\u305f\u3053\u3068\u304c\u9577\u5e74\u306e\u5229\u76ca\u3092\u3082\u305f\u3089\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u6226\u7565\u306f\u3001\u6d88\u8cbb\u306e\u6e1b\u901f\u306b\u5bfe\u3059\u308b\u61f8\u5ff5\u304b\u3089\u540c\u793e\u3092\u5b88\u308b\u8981\u56e0\u3068\u306a\u3063\u3066\u304a\u308a\u3001\u7b2c\u4e8c\u56db\u534a\u671f\u306b\u304a\u3051\u308b\u30a2\u30e1\u30c3\u30af\u30b9\u306e\u30ab\u30fc\u30c9\u5229\u7528\u7dcf\u984d\u306f\u524d\u5e74\u540c\u671f\u6bd4\u30677%\u5897\u52a0\u3057\u3001\u7b2c\u4e00\u56db\u534a\u671f\u3068\u540c\u69d8\u306e\u6210\u9577\u7387\u3092\u8a18\u9332\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>\u3057\u304b\u3057\u3001\u65c5\u884c\u95a2\u9023\u306e\u652f\u51fa\u306f\u5546\u54c1\u306e\u53d6\u5f15\u6570\u306b\u6bd4\u3079\u3066\u5f31\u304b\u3063\u305f\u3068\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u306f\u91d1\u66dc\u65e5\u306b\u767a\u8868\u3057\u307e\u3057\u305f\u3002\u7279\u306b\u3001\u822a\u7a7a\u6a5f\u306e\u652f\u51fa\u306f\u524d\u5e74\u540c\u671f\u3068\u6bd4\u3079\u3066\u6a2a\u3070\u3044\u306e\u72b6\u614b\u304c\u7d9a\u3044\u3066\u3044\u307e\u3059\u3002\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u306eCFO\u3067\u3042\u308b\u30af\u30ea\u30b9\u30c8\u30d5\u30fb\u30eb\u30fb\u30ab\u30a4\u30ec\u30c3\u30af\uff08Christophe Le Caillec\uff09\u306f\u3001\u56fd\u5185\u30a8\u30b3\u30ce\u30df\u30fc\u30af\u30e9\u30b9\u306e\u822a\u7a7a\u904b\u8cc3\u304c\u305d\u306e\u5f31\u3055\u306e\u8981\u56e0\u3067\u3042\u308b\u3068\u8ff0\u3079\u307e\u3057\u305f\u3002\u5f7c\u306f\u3001\u30d7\u30ec\u30df\u30a2\u30e0\u30ad\u30e3\u30d3\u30f3\u306e\u652f\u51fa\u304c\u524d\u5e74\u304b\u308910%\u5897\u52a0\u3057\u30015,000\u30c9\u30eb\u4ee5\u4e0a\u306e\u30db\u30c6\u30eb\u4e88\u7d04\u30829%\u5897\u52a0\u3057\u3066\u3044\u308b\u3068\u5831\u544a\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>\u30c8\u30a5\u30eb\u30a4\u30b9\u30c8\uff08Truist\uff09\u306e\u30a2\u30ca\u30ea\u30b9\u30c8\u3001\u30d6\u30e9\u30a4\u30a2\u30f3\u30fb\u30d5\u30a9\u30e9\u30f3\uff08Brian Foran\uff09\u306f\u3001\u822a\u7a7a\u4f1a\u793e\u3068\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3084\u7a7a\u6e2f\u30e9\u30a6\u30f3\u30b8\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3092\u6301\u3064\u540c\u793e\u306b\u3068\u3063\u3066\u3001\u3053\u3046\u3057\u305f\u5f31\u70b9\u306f\u61f8\u5ff5\u6750\u6599\u306b\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u6307\u6458\u3057\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u822a\u7a7a\u904b\u8cc3\u304c\u5168\u4f53\u7684\u306b3.5%\u6e1b\u5c11\u3057\u305f\u3053\u3068\u304c\u3001\u6d88\u8cbb\u8005\u306e\u30c1\u30b1\u30c3\u30c8\u8cfc\u5165\u306b\u304a\u3051\u308b\u652f\u51fa\u306e\u5c11\u306a\u3055\u3092\u610f\u5473\u3057\u3066\u3044\u307e\u3059\u3002\u52b4\u50cd\u7d71\u8a08\u5c40\u306e\u30c7\u30fc\u30bf\u306b\u3088\u308c\u3070\u3001\u30a4\u30f3\u30d5\u30ec\u306f\u4f9d\u7136\u3068\u3057\u3066\u4e0a\u6607\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u7b2c\u4e8c\u56db\u534a\u671f\u306e\u5229\u76ca\u3068\u53ce\u76ca\u3067\u306e\u671f\u5f85\u3092\u4e0a\u56de\u3063\u305f\u306b\u3082\u95a2\u308f\u3089\u305a\u3001\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u306e\u682a\u4fa1\u306f\u5348\u5f8c\u306e\u53d6\u5f15\u30672.5%\u4e0b\u843d\u3057\u307e\u3057\u305f\u3002\u5e74\u521d\u6765\u3067\u306f\u3001\u540c\u793e\u306e\u682a\u306f4%\u672a\u6e80\u306e\u4e0a\u6607\u306b\u3068\u3069\u307e\u308a\u3001JP\u30e2\u30eb\u30ac\u30f3\uff08JPMorgan Chase\uff09\u3084\u30b7\u30c6\u30a3\u30b0\u30eb\u30fc\u30d7\uff08Citigroup\uff09\u306a\u3069\u4ed6\u306e\u91d1\u878d\u6a5f\u95a2\u306b\u5f8c\u308c\u3092\u53d6\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u6295\u8cc7\u5bb6\u306e\u9593\u3067\u306e\u61f8\u5ff5\u306f\u3001\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u304c\u5237\u65b0\u3055\u308c\u305f\u30d7\u30e9\u30c1\u30ca\u30ab\u30fc\u30c9\u306e\u30ed\u30fc\u30f3\u30c1\u306b\u3042\u305f\u3063\u3066\u884c\u3046\u30ea\u30ef\u30fc\u30c9\u30d7\u30ed\u30b0\u30e9\u30e0\u3078\u306e\u652f\u51fa\u306b\u95a2\u3057\u3066\u5f37\u307e\u3063\u3066\u3044\u307e\u3059\u3002\u30d5\u30a9\u30e9\u30f3\u6c0f\u306b\u3088\u308c\u3070\u3001\u3053\u306e\u5206\u91ce\u3067\u306fJP\u30e2\u30eb\u30ac\u30f3\u3001\u30ad\u30e3\u30d4\u30bf\u30eb\u30ef\u30f3\uff08Capital One\uff09\u3001\u304a\u3088\u3073\u30b7\u30c6\u30a3\u30b0\u30eb\u30fc\u30d7\u3068\u306e\u7af6\u4e89\u304c\u6fc0\u5316\u3057\u3066\u3044\u307e\u3059\u3002\u300c\u6295\u8cc7\u5bb6\u306e\u61f8\u5ff5\u306f\u3001\u6210\u9577\u3092\u5f97\u308b\u305f\u3081\u306b\u306f\u3088\u308a\u591a\u304f\u306e\u52aa\u529b\u304c\u6c42\u3081\u3089\u308c\u3001\u305d\u308c\u306b\u5bfe\u3057\u3066\u3088\u308a\u591a\u304f\u306e\u30b3\u30b9\u30c8\u3092\u8cbb\u3084\u3055\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u300d\u3068\u30d5\u30a9\u30e9\u30f3\u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\uff08American Express\uff09\u306f\u3001\u9ad8\u6240\u5f97\u8005\u5c64\u3092\u30bf\u30fc\u30b2\u30c3\u30c8\u3068\u3057\u305f\u6226\u7565\u3067\u6d88\u8cbb\u6e1b\u901f\u3078\u306e\u61f8\u5ff5\u3092\u514b\u670d\u3057\u3001\u7b2c\u4e8c\u56db\u534a\u671f\u306e\u30ab\u30fc\u30c9\u5229\u7528\u984d\u304c7%\u5897\u52a0\u3057\u305f\u3068\u767a\u8868\u3057\u307e\u3057\u305f\u3002\u3057\u304b\u3057\u3001\u65c5\u884c\u95a2\u9023\u652f\u51fa\u306f\u6a2a\u3070\u3044\u3067\u3001\u822a\u7a7a\u904b\u8cc3\u306e\u4f4e\u8ff7\u304c\u5f71\u97ff\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n","protected":false},"author":1,"featured_media":827271,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[5005],"tags":[],"class_list":{"0":"post-827268","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-markets-ja"},"raw_content":"<!-- wp:paragraph --><p>\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\uff08American Express\uff09\u306f\u3001\u65c5\u884c\u3084\u98f2\u98df\u7279\u5178\u3092\u8a55\u4fa1\u3059\u308b\u5bcc\u88d5\u5c64\u306e\u9867\u5ba2\u306b\u7126\u70b9\u3092\u5f53\u3066\u3066\u304d\u305f\u3053\u3068\u304c\u9577\u5e74\u306e\u5229\u76ca\u3092\u3082\u305f\u3089\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u6226\u7565\u306f\u3001\u6d88\u8cbb\u306e\u6e1b\u901f\u306b\u5bfe\u3059\u308b\u61f8\u5ff5\u304b\u3089\u540c\u793e\u3092\u5b88\u308b\u8981\u56e0\u3068\u306a\u3063\u3066\u304a\u308a\u3001\u7b2c\u4e8c\u56db\u534a\u671f\u306b\u304a\u3051\u308b\u30a2\u30e1\u30c3\u30af\u30b9\u306e\u30ab\u30fc\u30c9\u5229\u7528\u7dcf\u984d\u306f\u524d\u5e74\u540c\u671f\u6bd4\u30677%\u5897\u52a0\u3057\u3001\u7b2c\u4e00\u56db\u534a\u671f\u3068\u540c\u69d8\u306e\u6210\u9577\u7387\u3092\u8a18\u9332\u3057\u307e\u3057\u305f\u3002<\/p><!-- \/wp:paragraph -->\n<!-- wp:paragraph --><p>\u3057\u304b\u3057\u3001\u65c5\u884c\u95a2\u9023\u306e\u652f\u51fa\u306f\u5546\u54c1\u306e\u53d6\u5f15\u6570\u306b\u6bd4\u3079\u3066\u5f31\u304b\u3063\u305f\u3068\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u306f\u91d1\u66dc\u65e5\u306b\u767a\u8868\u3057\u307e\u3057\u305f\u3002\u7279\u306b\u3001\u822a\u7a7a\u6a5f\u306e\u652f\u51fa\u306f\u524d\u5e74\u540c\u671f\u3068\u6bd4\u3079\u3066\u6a2a\u3070\u3044\u306e\u72b6\u614b\u304c\u7d9a\u3044\u3066\u3044\u307e\u3059\u3002\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u306eCFO\u3067\u3042\u308b\u30af\u30ea\u30b9\u30c8\u30d5\u30fb\u30eb\u30fb\u30ab\u30a4\u30ec\u30c3\u30af\uff08Christophe Le Caillec\uff09\u306f\u3001\u56fd\u5185\u30a8\u30b3\u30ce\u30df\u30fc\u30af\u30e9\u30b9\u306e\u822a\u7a7a\u904b\u8cc3\u304c\u305d\u306e\u5f31\u3055\u306e\u8981\u56e0\u3067\u3042\u308b\u3068\u8ff0\u3079\u307e\u3057\u305f\u3002\u5f7c\u306f\u3001\u30d7\u30ec\u30df\u30a2\u30e0\u30ad\u30e3\u30d3\u30f3\u306e\u652f\u51fa\u304c\u524d\u5e74\u304b\u308910%\u5897\u52a0\u3057\u30015,000\u30c9\u30eb\u4ee5\u4e0a\u306e\u30db\u30c6\u30eb\u4e88\u7d04\u30829%\u5897\u52a0\u3057\u3066\u3044\u308b\u3068\u5831\u544a\u3057\u307e\u3057\u305f\u3002<\/p><!-- \/wp:paragraph -->\n<!-- wp:paragraph --><p>\u30c8\u30a5\u30eb\u30a4\u30b9\u30c8\uff08Truist\uff09\u306e\u30a2\u30ca\u30ea\u30b9\u30c8\u3001\u30d6\u30e9\u30a4\u30a2\u30f3\u30fb\u30d5\u30a9\u30e9\u30f3\uff08Brian Foran\uff09\u306f\u3001\u822a\u7a7a\u4f1a\u793e\u3068\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3084\u7a7a\u6e2f\u30e9\u30a6\u30f3\u30b8\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3092\u6301\u3064\u540c\u793e\u306b\u3068\u3063\u3066\u3001\u3053\u3046\u3057\u305f\u5f31\u70b9\u306f\u61f8\u5ff5\u6750\u6599\u306b\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u6307\u6458\u3057\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u822a\u7a7a\u904b\u8cc3\u304c\u5168\u4f53\u7684\u306b3.5%\u6e1b\u5c11\u3057\u305f\u3053\u3068\u304c\u3001\u6d88\u8cbb\u8005\u306e\u30c1\u30b1\u30c3\u30c8\u8cfc\u5165\u306b\u304a\u3051\u308b\u652f\u51fa\u306e\u5c11\u306a\u3055\u3092\u610f\u5473\u3057\u3066\u3044\u307e\u3059\u3002\u52b4\u50cd\u7d71\u8a08\u5c40\u306e\u30c7\u30fc\u30bf\u306b\u3088\u308c\u3070\u3001\u30a4\u30f3\u30d5\u30ec\u306f\u4f9d\u7136\u3068\u3057\u3066\u4e0a\u6607\u3057\u3066\u3044\u307e\u3059\u3002<\/p><!-- \/wp:paragraph -->\n<!-- wp:paragraph --><p>\u7b2c\u4e8c\u56db\u534a\u671f\u306e\u5229\u76ca\u3068\u53ce\u76ca\u3067\u306e\u671f\u5f85\u3092\u4e0a\u56de\u3063\u305f\u306b\u3082\u95a2\u308f\u3089\u305a\u3001\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u306e\u682a\u4fa1\u306f\u5348\u5f8c\u306e\u53d6\u5f15\u30672.5%\u4e0b\u843d\u3057\u307e\u3057\u305f\u3002\u5e74\u521d\u6765\u3067\u306f\u3001\u540c\u793e\u306e\u682a\u306f4%\u672a\u6e80\u306e\u4e0a\u6607\u306b\u3068\u3069\u307e\u308a\u3001JP\u30e2\u30eb\u30ac\u30f3\uff08JPMorgan Chase\uff09\u3084\u30b7\u30c6\u30a3\u30b0\u30eb\u30fc\u30d7\uff08Citigroup\uff09\u306a\u3069\u4ed6\u306e\u91d1\u878d\u6a5f\u95a2\u306b\u5f8c\u308c\u3092\u53d6\u3063\u3066\u3044\u307e\u3059\u3002<\/p><!-- \/wp:paragraph -->\n<!-- wp:paragraph --><p>\u6295\u8cc7\u5bb6\u306e\u9593\u3067\u306e\u61f8\u5ff5\u306f\u3001\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30a8\u30af\u30b9\u30d7\u30ec\u30b9\u304c\u5237\u65b0\u3055\u308c\u305f\u30d7\u30e9\u30c1\u30ca\u30ab\u30fc\u30c9\u306e\u30ed\u30fc\u30f3\u30c1\u306b\u3042\u305f\u3063\u3066\u884c\u3046\u30ea\u30ef\u30fc\u30c9\u30d7\u30ed\u30b0\u30e9\u30e0\u3078\u306e\u652f\u51fa\u306b\u95a2\u3057\u3066\u5f37\u307e\u3063\u3066\u3044\u307e\u3059\u3002\u30d5\u30a9\u30e9\u30f3\u6c0f\u306b\u3088\u308c\u3070\u3001\u3053\u306e\u5206\u91ce\u3067\u306fJP\u30e2\u30eb\u30ac\u30f3\u3001\u30ad\u30e3\u30d4\u30bf\u30eb\u30ef\u30f3\uff08Capital One\uff09\u3001\u304a\u3088\u3073\u30b7\u30c6\u30a3\u30b0\u30eb\u30fc\u30d7\u3068\u306e\u7af6\u4e89\u304c\u6fc0\u5316\u3057\u3066\u3044\u307e\u3059\u3002\u300c\u6295\u8cc7\u5bb6\u306e\u61f8\u5ff5\u306f\u3001\u6210\u9577\u3092\u5f97\u308b\u305f\u3081\u306b\u306f\u3088\u308a\u591a\u304f\u306e\u52aa\u529b\u304c\u6c42\u3081\u3089\u308c\u3001\u305d\u308c\u306b\u5bfe\u3057\u3066\u3088\u308a\u591a\u304f\u306e\u30b3\u30b9\u30c8\u3092\u8cbb\u3084\u3055\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u300d\u3068\u30d5\u30a9\u30e9\u30f3\u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002<\/p><!-- \/wp:paragraph -->\n","_links":{"self":[{"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/posts\/827268","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/comments?post=827268"}],"version-history":[{"count":0,"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/posts\/827268\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/media\/827271"}],"wp:attachment":[{"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/media?parent=827268"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/categories?post=827268"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/tags?post=827268"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}