Crezit_採用資料PitchDeck

1. Crezit v0.2 β 2020.12.01
2. 00. Index 2 Crezit 薄 Crezit
3. 01.
4. 01. 4 Crezit 4-9-2 719 2019 3 8 6 (2020 12 ) 2.38 ( ) / (1) 31770 (Z ) Crezit
5. 01. 5 Optimize Credit, Unleash Potential.
6. 01. 6 Crezit “ैདྷͷ༩৴” ʹ ॴଐͱաڈ “ະདྷͷ༩৴” ʹ ݸਓͱະདྷ ۈ຿ઌ ޏ༻ܗଶ ۈଓ೥਺ ৴༻ཤྺ ҟಈ৘ใ রձճ਺ εΩϧ Cash flow ߦಈσʔλ কདྷظ଴ ऩೖ աڈ࣮੷ etc... ✔ ऴ਎ޏ༻લఏ ✔ ۈ຿ઌʹґڌͨ͠༩৴ ✔ աڈʹॏ఺ ۈ຿ઌ ޏ༻ܗଶ ۈଓ೥਺ ৴༻ཤྺ ҟಈ৘ใ রձճ਺ ऩೖ աڈ࣮੷ ✔ ଟ༷ͳಇ͖ํ͕લఏ ✔ ݸਓʹґڌͨ͠༩৴ ✔ ݱࡏʙະདྷʹॏ఺ ▪ ॴଐ΍աڈʹॏ఺Λ͓͍ͨ“ैདྷͷ༩৴”͔Βݸਓͱະདྷʹॏ఺Λ͓͍ͨ“ະདྷͷ༩৴”΁ ܦݧ ϨϏϡʔ
7. 01. 7 / Toshiaki Yabe 1993 GE FMP 3 2018 3 BASE BASE BANK YELL BANK 2019 3 Crezit
8. 01. 8 2.4 Coming Soon More…
9. 02.
10. 0x. 10 :
11. 02. 11 + 40 246 800 +
12. 02. 12
13. 02. 13
14. 02. 14 AWS PC1 EC as a Service Banking as a Servie Crezit as a Service EC Banking as a Service
15. 02. Credit as a Service
16. Credit as a Service Credit as a Service ʮX Crezitʯ
17. 04. 17 FinTech ( ) eKYC CRM Credit as a Service ʮX Crezitʯ
18. 03. 18 ASP SI ~ ~ KPI
19. 03. 19 SIer
20. Credit as a Service
21. 03. 21 × × ×
22. 03. 22 CREZIT OPEN UP X Crezit API 2020 3 X Crezit 2020 4 Credit as a Service X Crezit 4000
23. 03.
24. 01. 24 / Toshiaki Yabe CEO Product Strategy / Ryota Murai COO BizDev Strategy CDO Coming Soon 1993 GE FMP 3 2018 3 BASE BASE BANK YELL BANK 2019 3 Crezit - - - 1992 2015 FA(Sourcing Modeling ) (DD Valuation ) 2019 WestLake B2C CPO Coming Soon CTO Coming Soon
25. 0x. 25 1 1 1 3 2 Board (2) Product Tech (3) Product Design (0) Data Strategy (1) Culture (1) BizDev (1) / Tackt Mitsuhashi Software Engineer Tech 8 ( ) 2019 Twitter Crezit 2020 4 2 / Kenji Usui Data Developer, Lead Data 2017 freee AI AI 2019 Twitter / Satoko Takahashi Culture Manager Culture 2006 2020 1 Crezit
26. 0x. 26 / SMBC MBA UBS Credit Suisse bitFlyer PRAS CFO PR Adviser / Aiko Saiki PR Adviser Coming Soon
27. 0x. 27 結 8 2005 1 100% 2010 8 8 JVCA 2016 8 / CEO / General Partner / Soichi Tajima Venture Capital Investment Manager / Koki Mizutani Venture Capital 2013 4 M&A 2015 M&A DD Valuation 2016 M&A 2018 7 /
28. 04.
29. 01. ϦϞʔτϫʔΫՄೳ ݪଇग़ࣾ೔ ਫɾۚ 29 ϑϨοΫελΠϜ੍ ίΞλΠϜ 10:30 – 17:00 OKR 2020/10ΑΓӡ༻։࢝ ر๬εϖοΫPCି༩ ΤϯδχΞ޲͚ ༗څٳՋ ೖࣾ೔ʹ෇༩ ִिϥϯν ୈ2ɾୈ4༵ۚ೔ ϐβύʔςΟʔ ݄࣍All Hands Meeting ޙ ͦͷଞ • ࣾอ׬උ • ׬શिٳ2೔੍ɺॕ೔ • ಛผٳՋ (Նقɾܚீٳ Ջ) • ௨ۈަ௨අશֹࢧڅ • SO෇༩ (ಋೖ༧ఆ) • ॻ੶ߪೖิॿ (ಋೖ༧ఆ)
30. 01. 30 2021 12 ܦӦνʔϜ 3໊ CEO COO Biz / Corporate 7໊ CPO or CTOީิ Data Strategy CS / Ops Corporate Legal Strategy Financial Strategy HR & PR Product 8໊ Product Designer Product Tech ※ ੺࿮͕ืूϙδγϣϯɻ ※ ͋͘·ͰΠϝʔδͰ͋ΓɺਓࡒϕʔεͰϙδγϣϯΛܾఆɻ Biz Dev PdM or Tech Lead
31. 01. 31 ΧδϡΞϧ໘ஊ ॻྨબߟ ✔ ͝Ԡื͍͍ͨͩͨํ͸ॱ࣍ॻྨબ ߟʹҠΒ͍͖ͤͯͤͯͨͩ͞· ͢ɻ ✔ 2Ӧۀ೔Ҏ಺ʹબߟ݁ՌΛ͝࿈བྷ ͍ͨ͠·͢ɻ ✔ ·ͣ୅දͷ໼෦͕ΧδϡΞϧʹ͓ ࿩͍͖ͤͯͨͩ͞·͢ɻ ✔ ձ͕ࣾ໨ࢦ͢ੈք΍୅දͷ૝͍ʹ ͍ͭͯཧղΛਂΊ͍ͯͨͩ͘͜ͱ ͕໨తͰ͢ɻ ໘઀ ✔ ಉ৬छͷࣾһ΋ಉ੮ͷ্Ͱ໘઀͞ ͍͖ͤͯͨͩ·͢ɻ ✔ ϙδγϣϯͷ۩ମతઆ໌΍ظ଴஋ ͷࡲΓ߹ΘͤΛߦ͍·͢ɻ ✔ νʔϜશһͱإΛ߹Θ͍ͤͯͨͩ ͖·͢ɻ ✔ ձࣾͷΧϧνϟʔΛײ͍ͯͨͩ͡ ͖ɺ࣮ࡍʹಇ͘ΠϝʔδΛ࣋ͬͯ ͍ͨͩ͘͜ͱ͕໨తͰ͢ɻ ΦϑΟε๚໰ ΦϑΝʔ ঝ୚ɾೖࣾ
32. 01. 32 / • 1ਓ໨ͷϓϩμΫτϚωʔδϟʔͱͯ͠ɺࣄۀઓུͷཱ ҊʹؔΘΓͳ͕ΒϓϩμΫτઓུͷࡦఆʙ࣮ߦ·ͰΛ Ϧʔυ͢Δϙδγϣϯɻ • ࣄۀઓུͷσΟεΧογϣϯΛݩʹϓϩμΫτͷϩʔυ Ϛοϓࡦఆ • ͲͷλΠϛϯάͰԿΛ։ൃ͢΂͖͔ͷ༏ઌॱҐܾΊ • ϓϩμΫτͷ࢓༷ࡦఆɺυΩϡϝϯςʔγϣϯ • ΤϯδχΞɺσβΠφʔΛר͖ࠐΜͩϓϩδΣΫτ؅ཧ • ࣄۀઓུΛ౿·͑ͨϓϩμΫτϩʔυϚοϓࡦఆͷܦݧ • ϩʔυϚοϓΛϓϩμΫτʹམͱ͠ࠐΉ࣮຿ܦݧ • ϓϩμΫτ͕޷͖Ͱ͋Δ͜ͱ • ೔ৗతʹΞϓϦ΍΢ΣϒαʔϏεΛ৮͍ͬͯΔ͜ͱ • ୭ΑΓ΋ଟ͘ͷ࣌ؒͱϚΠϯυΛϓϩμΫτʹ࢖͑Δ͜ͱ ۀ຿಺༰ ׻ܴཁ݅ ඞਢεΩϧ • ৽نϓϩμΫτͷ্ཱͪ͛΍ۚ༥αʔϏεͷ։ൃܦݧ • SQL౳Λ࢖ͬͨσʔλ෼ੳܦݧ • υϝΠϯ஌ࣝͷਂ͞ • Crezitͷϛογϣϯ΍࣮ݱ͍ͨ͠ੈք؍ʹڧ͘ڞײ͍ͯ͠Δํ • ࣄۀ΍૊৫Λθϩ͔Β૑Γ্͛Δ͜ͱʹັྗΛײ͡Δํ • νʔϜͷঢ়گʹԠͯࣗ͡Βͷ໾ׂΛॊೈʹ֦ுͰ͖Δํ • γʔυظͷΧΦεͳঢ়گΛָ͠Έͳ͕Βલ޲͖ʹ࢓ࣄ͕Ͱ͖Δ ํ ٻΊΔਓ෺૾
33. 01. 33 ۀ຿಺༰ ׻ܴཁ݅ ඞਢεΩϧ ٻΊΔਓ෺૾ / • WebαʔϏε΍ωΠςΟϒΞϓϦͷUIσβΠϯܦݧ • iOSώϡʔϚϯΠϯλʔϑΣΠεΨΠυϥΠϯɺϚςϦ ΞϧσβΠϯͳͲɺUIσβΠϯʹؔ͢Δ஌ࣝ • ίϯγϡʔϚʔ޲͚ϓϩμΫτͷσβΠϯܦݧ • ίϯγϡʔϚʔ޲͚ۚ༥αʔϏεͷσβΠϯܦݧ • اۀ΍ϓϩμΫτͷϒϥϯυɺίϛϡχέʔγϣϯσβ Πϯઃܭͷܦݧ • Crezitͷϛογϣϯ΍࣮ݱ͍ͨ͠ੈք؍ʹڧ͘ڞײ͍ͯ͠ Δํ • ࣄۀ΍૊৫Λθϩ͔Β૑Γ্͛Δ͜ͱʹັྗΛײ͡Δํ • νʔϜͷঢ়گʹԠͯࣗ͡Βͷ໾ׂΛॊೈʹ֦ுͰ͖Δํ • γʔυظͷΧΦεͳঢ়گΛָ͠Έͳ͕Βલ޲͖ʹ࢓ࣄ͕Ͱ ͖Δํ • ίϞσΟςΟԽ͕ਐΉۚ༥αʔϏεʹ͓͍ͯސ٬ମݧ޲ ্ʹΑΔࠩผԽΛσβΠϯ͔Β࣮ݱ • اը։ൃதͷίϯγϡʔϚʔ޲͚ϓϩμΫτͷUI/UXσβ Πϯ • ར༻ऀ͔ΒͷϑΟʔυόοΫΛ΋ͱʹͨ͠ϓϩμΫτͷ ຏ͖ࠐΈ • ϒϥϯυɺίϛϡχέʔγϣϯσβΠϯͷઃܭ • ϓϩμΫτʹؔ࿈͢Δ๏཯΍طଘαʔϏεʹؔ͢Δ஌ࣝ शಘ
34. 01. 34 ۀ຿಺༰ ׻ܴཁ݅ ඞਢεΩϧ ٻΊΔਓ෺૾ • ϓϩμΫτʢ΋͘͠͸ػೳʣશମͷٕज़બ୒͔Β࣮૷· Ͱͷܦݧ • ঎༻αʔϏεͷόοΫΤϯυΤϯδχΞͱͯ͠API / DB ͷઃܭٴ࣮૷ͷܦݧ • ۚ༥γεςϜ΍ϨΨγʔ࢈ۀʹ͓͚Δ঎༻ϓϩμΫτͷ ։ൃܦݧ • Goݴޠ΍TypeScript͓Αͼ੩తܕ෇͖ݴޠΛ༻͍ͨ։ ൃܦݧ • ։ൃ૊৫࡞Γʹର͢Δ஌ݟ • ސ٬΍ύʔτφʔاۀͳͲ֎෦ؔ܎ऀͱͷڞಉ։ൃܦݧ • CTOɺVPoEͳͲܦӦϝϯόʔͱͯ͠ͷࣄۀࢀըͷܦݧ • Crezitͷϛογϣϯ΍࣮ݱ͍ͨ͠ੈք؍ʹڧ͘ڞײ͍ͯ͠ Δํ • ࣄۀ΍૊৫Λθϩ͔Β૑Γ্͛Δ͜ͱʹັྗΛײ͡Δํ • νʔϜͷঢ়گʹԠͯࣗ͡Βͷ໾ׂΛॊೈʹ֦ுͰ͖Δํ • γʔυظͷΧΦεͳঢ়گΛָ͠Έͳ͕Βલ޲͖ʹ࢓ࣄ͕Ͱ ͖Δํ • Tech Leadͱͯ͠։ൃνʔϜΛٕज़తʹϦʔυ͢Δ໾ׂ • ઓུ΍ϓϩμΫτϩʔυϚοϓΛਂ͘ཧղ͠ɺձࣾͷࣄ ۀϑΣʔζΛཧղ্ͨ͠Ͱٕज़తͳҙࢥܾఆ΍࣮૷Λਐ ΊΔ • ϓϩμΫτͷ࣮૷ʹ޲͚ͨ։ൃɺΫΦϦςΟͷ୲อ • Golang / Typescript / React / Vue.js / Nuxt.js • GCP / Slack / Github / Notion / Figma / ( )
35. 01. 35 ۀ຿಺༰ ׻ܴཁ݅ ඞਢεΩϧ ٻΊΔਓ෺૾ / • ։ൃΛࣗ૸Ͱ͖ΔWebΞϓϦέʔγϣϯ։ൃͷܦݧ͓ ΑͼεΩϧ • ϓϩμΫτʢ΋͘͠͸ػೳʣશମͷٕज़બ୒͔Β࣮૷· Ͱͷܦݧ • ঎༻αʔϏεͷόοΫΤϯυΤϯδχΞͱͯ͠API / DB ͷઃܭٴ࣮૷ͷܦݧ • θϩ͔ΒαʔϏεΛ։ൃͨ͠ܦݧ • Goݴޠ΍TypeScript͓Αͼ੩తܕ෇͖ݴޠΛ༻͍ͨ։ൃ ܦݧ • ۚ༥γεςϜ΍ϨΨγʔ࢈ۀʹ͓͚ΔϓϩμΫτͷ։ൃ ܦݧ • ސ٬΍ύʔτφʔاۀͳͲ֎෦ؔ܎ऀͱͷڞಉ։ൃܦݧ • Crezitͷϛογϣϯ΍࣮ݱ͍ͨ͠ੈք؍ʹڧ͘ڞײ͍ͯ͠ Δํ • ࣄۀ΍૊৫Λθϩ͔Β૑Γ্͛Δ͜ͱʹັྗΛײ͡Δํ • νʔϜͷঢ়گʹԠͯࣗ͡Βͷ໾ׂΛॊೈʹ֦ுͰ͖Δํ • γʔυظͷΧΦεͳঢ়گΛָ͠Έͳ͕Βલ޲͖ʹ࢓ࣄ͕Ͱ ͖Δํ • ϓϩμΫτ։ൃʹ͓͚Δٕज़બఆ • Backend / Frontend / Infraͷ໌֬ͳ໾ׂ෼୲͸ߦΘ ͣɺ֤ਓ͕ಘҙͳ෦෼Λ׆͔ͭͭ͠ϑϧελοΫʹ։ൃ • ϓϩμΫτͷ࢓༷ݕ౼ஈ֊͔Βਂ͘ೖΓࠐΈɺ࣮૷·Ͱ Λ୲͏ ▪ ࢖༻ٕज़ • Golang / Typescript / React / Vue.js / Nuxt.js • GCP / Slack / Github / Notion / Figma
36. 01. 36 ۀ຿಺༰ ׻ܴཁ݅ ඞਢεΩϧ ٻΊΔਓ෺૾ / • ϛογϣϯ΍࣮ݱ͍ͨ͠ੈք؍΁ͷڧ͍ڞײ • ਓࣄ΍૊৫ʹؔΘΔνʔϜͷ্ཱͪ͛΍Ϛωδϝϯτܦ ݧ • ࠾༻ۀ຿ͷܦݧ ɾώτ΍૊৫ʹର͢Δڵຯؔ৺͕ߴ͍ ͜ͱ • ৗʹड͚ͯଆͷ໨ઢʹཱͪɺίϯςϯπ࡞Γ΍৘ใൃ৴ ͕Ͱ͖Δ͜ͱ • CHRO΍ਓࣄ૊৫ྖҬͷϚωδϝϯτܦݧऀ • ελʔτΞοϓͷ࠾༻޿ใܦݧऀ • ϚʔέςΟϯά΍Φ΢ϯυϝσΟΞӡ༻ͳͲͷܦݧ • ۚ༥શൠʹؔ͢Δجૅ஌ࣝ • Crezitͷϛογϣϯ΍࣮ݱ͍ͨ͠ੈք؍ʹڧ͘ڞײ͍ͯ͠ Δํ • ࣄۀ΍૊৫Λθϩ͔Β૑Γ্͛Δ͜ͱʹັྗΛײ͡Δํ • νʔϜͷঢ়گʹԠͯࣗ͡Βͷ໾ׂΛॊೈʹ֦ுͰ͖Δํ • γʔυظͷΧΦεͳঢ়گΛָ͠Έͳ͕Βલ޲͖ʹ࢓ࣄ͕Ͱ ͖Δํ • ࣄۀઓུΛ࣮ߦ͢ΔͨΊͷڧਟͳ૊৫ͮ͘Γ΍ࣾ಺֎ͷ ίϛϡχέʔγϣϯΛϦʔυɻ • ૑ۀظ͔Βࢀըͨ͠ϝϯόʔͱͯ͠ͷΧϧνϟʔͮ͘Γ • ࠾༻ܭըͷࡦఆ͓Αͼ࣮ߦ • ਓࣄ੍౓ͷθϩϕʔεͰͷߏங • ࠾༻޿ใઓུͷཱҊɺnoteͷӡ༻ • ৽ϝϯόʔͷΦϯϘʔσΟϯάϓϩηε੔උ • νʔϜϏϧσΟϯάࢪࡦͳͲͷاը࣮ߦ
37. 01. 37 ۀ຿಺༰ ׻ܴཁ݅ ඞਢεΩϧ ٻΊΔਓ෺૾ / • ۚ༥ػؔ΍FintechاۀͰͷ࣮຿ܦݧ • ๏ਓӦۀͷܦݧ • ϓϩδΣΫτϚωδϝϯτͷܦݧ • ۚ༥ػؔʹ͓͚Δ৽نࣄۀ։ൃͷܦݧ • ࠃ಺֎ͷۚ༥ۀքʹ͓͚Δ࠷৽τϨϯυ΁ͷߴ͍ײ౓ • େاۀ޲͚๏ਓӦۀͷܦݧ • ༥ࢿ࣮຿ܦݧऀ • Crezitͷϛογϣϯ΍࣮ݱ͍ͨ͠ੈք؍ʹڧ͘ڞײ͍ͯ͠ Δํ • ࣄۀ΍૊৫Λθϩ͔Β૑Γ্͛Δ͜ͱʹັྗΛײ͡Δํ • νʔϜͷঢ়گʹԠͯࣗ͡Βͷ໾ׂΛॊೈʹ֦ுͰ͖Δํ • γʔυظͷΧΦεͳঢ়گΛָ͠Έͳ͕Βલ޲͖ʹ࢓ࣄ͕Ͱ ͖Δํ • ࣄۀઓ্ུͷ伴ͱͳΔΞϥΠΞϯεઓུͷاըཱҊ • طଘۚ༥ػؔ΍ࠓޙͷۚ༥αʔϏεʹਐग़͍ͨ͠ࣄۀձ ࣾͱͷΞϥΠΞϯε૊੒ • ΞϥΠΞϯεઌͷιʔγϯά͔Βఏܞ࣮ߦ·ͰͷΤάθ Ωϡʔγϣϯ • ୲౰Ҋ݅ͷϓϩδΣΫτϚωδϝϯτ
38. 01. 38 ۀ຿಺༰ ׻ܴཁ݅ ඞਢεΩϧ ٻΊΔਓ෺૾ / • หޢ࢜ࢿ֨ • ۚ༥๏຿ͷ࣮຿ܦݧ • ࠷ۙͷFinTechؔ࿈๏ʹഽײͷ͋Δਓ(ࢿܾۚࡁ๏ɺࢿ ۚҠಈɺିۚɺׂොൢചɺۜߦ๏ͳͲ) • ۚ༥ձࣾ/FinTechاۀͰͷ๏຿ܦݧ • ελʔτΞοϓاۀͰͷ๏຿ܦݧ • ๏຿஌ࣝ౿·͑ͨࣄۀ։ൃϙδγϣϯͰͷ࣮຿ܦݧ • Crezitͷϛογϣϯ΍࣮ݱ͍ͨ͠ੈք؍ʹڧ͘ڞײ͍ͯ͠ Δํ • ࣄۀ΍૊৫Λθϩ͔Β૑Γ্͛Δ͜ͱʹັྗΛײ͡Δํ • νʔϜͷঢ়گʹԠͯࣗ͡Βͷ໾ׂΛॊೈʹ֦ுͰ͖Δํ • γʔυظͷΧΦεͳঢ়گΛָ͠Έͳ͕Βલ޲͖ʹ࢓ࣄ͕Ͱ ͖Δํ • ৽ͨͳۚ༥ϓϩμΫτͷ։ൃ΍ࣄۀఏܞεΩʔϜͷ࣮ݱ ΛϦʔΨϧ໘͔Βԣஅతʹαϙʔτ • ࣄۀઓུͷ࣮ݱʹ޲͚ͨ๏຿ઓུͷཱҊ • ࣄۀఏܞεΩʔϜͷߏஙٴͼఏܞީิઌͱͷંি • M&Aɺ૊৫࠶ฤɺࢿຊ੓ࡦ౳ʹؔΘΔ๏຿ • ஌తࡒ࢈ݖͷ؅ཧɾऔಘɾ౰ہରԠͳͲ • اۀ๏຿શൠʢܖ໿ॻɺίϯϓϥΠΞϯε/಺෦؅ཧɾ ؂ࠪମ੍ͷ੔උͳͲʣ • ೖࣾޙͷ͝׆༂ʹԠͯ͡কདྷతͳVPɺCxOީิ
39. 01. 39 ۀ຿಺༰ ׻ܴཁ݅ ඞਢεΩϧ ٻΊΔਓ෺૾ / • ۚ༥ػؔʹ͓͚ΔετϥΫνϟʔυϑΝΠφϯεͷܦݧ • ΫΦϯπ΍ΞΫνϡΞϦʔۀ຿ͷܦݧ • ࣄۀձࣾࡒ຿෦ʹ͓͚ΔABS / ABLͳͲΞηοτϑΝΠ φϯε࣮຿ܦݧ • ফඅऀ޲͚ିۚ࠴ݖʹΑΔΞηοτϑΝΠφϯεͷܦݧ • ࣾ࠴/ࢲื࠴ʹΑΔࢿۚௐୡͷܦݧ • ιʔγϟϧϨϯσΟϯά΍ϓϥΠϕʔτόϯΩϯάͷܦ ݧ • ࠃ಺֎ͷۚ༥ۀքʹ͓͚Δ࠷৽τϨϯυ΁ͷߴ͍ײ౓ • Crezitͷϛογϣϯ΍࣮ݱ͍ͨ͠ੈք؍ʹڧ͘ڞײ͍ͯ͠ Δํ • ࣄۀ΍૊৫Λθϩ͔Β૑Γ্͛Δ͜ͱʹັྗΛײ͡Δํ • νʔϜͷঢ়گʹԠͯࣗ͡Βͷ໾ׂΛॊೈʹ֦ுͰ͖Δํ • γʔυظͷΧΦεͳঢ়گΛָ͠Έͳ͕Βલ޲͖ʹ࢓ࣄ͕Ͱ ͖Δํ • ͋ΒΏΔετϥΫνϟʔυϑΝΠφϯεͷબ୒ࢶͷத͔ ΒCrezitͷࣄۀϑΣʔζʹԠͨ͡ࢿۚௐୡΛཱҊɾ࣮ߦ • ࣄۀઓུͷσΟεΧογϣϯΛݩʹϑΝΠφϯεઓུͷ ϩʔυϚοϓࡦఆ • ϑΝΠφϯεઓུͷ࣮ߦ • ςΫϊϩδʔʹΑΔ৽͍͠ϑΝΠφϯεεΩʔϜͷཱ Ҋɾ࣮ߦ • ೖࣾޙͷ͝׆༂ʹԠͯ͡কདྷతͳVPɺCxOީิ
40. Crezit Crezit