Suzawa Yoshihiko 諏澤吉彦

… Alternative Names

SUZAWA Yoshihiko 諏澤吉彦

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Researcher Number	50460663
Other IDs
Affiliation (Current)	2025: 京都産業大学, 経営学部, 教授
Affiliation (based on the past Project Information) *help	2022 – 2025: 京都産業大学, 経営学部, 教授 2017 – 2020: 京都産業大学, 経営学部, 教授 2015: 京都産業大学, 経営学部, 教授 2010 – 2014: 京都産業大学, 経営学部, 准教授
Review Section/Research Field	Principal Investigator Commerce / Basic Section 07060:Money and finance-related
Keywords	Principal Investigator 健康増進型医療保険 / シミュレーション分析 / 保険 / 老齢保障 / 逆選択 / 長寿社会 / 保険金・医療費削減効果 / 新契約価値 / 経済価値ベースのソルベンシー比率 / モンテカルロ・シミュレーション … More / 健康経営 / ロジスティック回帰モデル / 健康診断結果 / 線形回帰モデル / 健康診断受診 / 健康経営推進 / 生活習慣 / 線形回帰分析 / 健康意識 / 年金 / 商学 / 経営学 / モダンポートフォリオ理論 / 事前積立方式 / 社会変動リスク / 賦課方式 / 経済変動リスク / 付加保険料 / 内部補助 / 分離ナッシュ均衡モデル / 私的年金保険 / 公的年金制度 / 保険料内部補助 / モラルハザード / モニタリング / ナッシュ分離均衡モデル / テレマティクス / 支払能力 / 健康診断計測項目 / 医療費削減 / 医療保険システム / 医療保険 / 年金保険 / 分離均衡モデル / 公的年金 / ポートフォリオ理論 / 老齢保障システム / 災害補償 / 生活保障 / 市場行動規制 / 健全性規制 / 自然災害補償制度 / 民間保険 / 公的保険 / 医療保障 / 国際協調 / 保険規制 / 生活保障システム / 保険経済学 / 持続的社会 / 保険事業 / 市場効率性 / 規制緩和 / 損害保険料率 / 保険の入手可能性 / インセンティブ / 市場均衡モデル / 基準料率制度 / 自賠責保険 / 計量分析 / 保険入手可能性 / 地震保険 / 自動車保険 / 保険料率規制 Less

健康長寿社会に向けた保険経営と保険理論の研究―健康増進型保険の経済分析を軸に―Principal Investigator
- Principal Investigator
  
  諏澤吉彦
- Project Period (FY)
  2025 – 2027
- Research Category
  
  Grant-in-Aid for Scientific Research (C)
- Review Section
  
  Basic Section 07060:Money and finance-related
- Research Institution
  Kyoto Sangyo University
Restructuring of Insurance Theory and Insurance Management in Aging Society: Focusing on Quantitative Analysis of Health Promotion Medical InsurancePrincipal Investigator
- Principal Investigator
  
  諏澤吉彦
- Project Period (FY)
  2022 – 2024
- Research Category
  
  Grant-in-Aid for Scientific Research (B)
- Review Section
  
  Basic Section 07060:Money and finance-related
- Research Institution
  Kyoto Sangyo University
Partnership between Public and Private Pension Insurance for a Sustainable Retirement Security SystemPrincipal Investigator
- Principal Investigator
  
  SUZAWA Yoshihiko
- Project Period (FY)
  2017 – 2020
- Research Category
  
  Grant-in-Aid for Scientific Research (C)
- Research Field
  
  Commerce
- Research Institution
  Kyoto Sangyo University
Study on Roles of the Insurance Industry for a Sustainable SocietyPrincipal Investigator
- Principal Investigator
  
  SUZAWA Yoshihiko
- Project Period (FY)
  2013 – 2015
- Research Category
  
  Grant-in-Aid for Scientific Research (C)
- Research Field
  
  Commerce
- Research Institution
  Kyoto Sangyo University
Non-life Insurance Price Regulation and Competition: A StudyFocusing on the Impact of Premium Rate DeregulationPrincipal Investigator
- Principal Investigator
  
  SUZAWA Yoshihiko
- Project Period (FY)
  2010 – 2012
- Research Category
  
  Grant-in-Aid for Scientific Research (C)
- Research Field
  
  Commerce
- Research Institution
  Kyoto Sangyo University

All 2024 2023 2022 2020 2019 2018 2017 2015 2014 2013 2012 2011 2010

All Journal Article Presentation Book

[Book] 基礎からわかる損害保険の理論と実務2023
- Author(s)
  諏澤吉彦
- Total Pages
  298
- Publisher
  保険毎日新聞社
- ISBN
  9784892934667
- Data Source
  KAKENHI-PROJECT-23K22135
[Book] 生活保障システムのパラダイムシフトと生命保険産業（研究代表者担当第6章（医療保障のシステムにおける公・私保障の機能分担）および第7章（老齢保障のシステムにおける公・私保障の機能分担））2015
- Author(s)
  岡田太志（編著）、安井敏晃・石坂元一・冨村圭・諏澤吉彦（著）
- Total Pages
  156
- Publisher
  公益財団法人生命保険文化センター
- Data Source
  KAKENHI-PROJECT-25380584
[Journal Article] 健康経営推進に向けた損害保険事業の役割に関する考察2024
- Author(s)
  諏澤吉彦
- Journal Title
  
  損害保険研究
  
  Volume: 85-4 Pages: 173-199
- Data Source
  KAKENHI-PROJECT-23K22135
[Journal Article] 健康経営推進に向けた保険増進型医療保険の役割2023
- Author(s)
  諏澤吉彦・永井克彦
- Journal Title
  
  証券アナリストジャーナル
  
  Volume: 61-7 Pages: 43-51
- Data Source
  KAKENHI-PROJECT-23K22135
[Journal Article] Effect of Health Promotion Medical Insurance Monitoring Insureds’ Lifestyle Habit on Value of Business for Life Insurers2022
- Author(s)
  諏澤吉彦・永井克彦
- Journal Title
  
  JILI JOURNAL
  
  Volume: 2022 Issue: 220 Pages: 69-100
- DOI
  10.51107/jilijournal.2022.220_69
- ISSN
  1346-7190, 2436-8628
- Year and Date
  2022-09-20
- Language
  Japanese
- Open Access
- Data Source
  KAKENHI-PROJECT-23K22135
[Journal Article] Financial Effect of Health Promotion Medical Insurance for an Insurer: An Analysis Based on Data of Corporate Health Insurance Societies2022
- Author(s)
  諏澤吉彦・田中貴・永井克彦
- Journal Title
  
  Hokengakuzasshi (JOURNAL of INSURANCE SCIENCE)
  
  Volume: 2022 Issue: 659 Pages: 659_207-659_239
- DOI
  10.5609/jsis.2022.659_207
- ISSN
  0387-2939, 2185-5064
- Year and Date
  2022-12-31
- Language
  Japanese
- Peer Reviewed / Open Access
- Data Source
  KAKENHI-PROJECT-23K22135
[Journal Article] Risk Evaluation Accuracy Using Telematics and Policyholders’ Coverage Selection: An Analysis Based on an Equilibrium Model2020
- Author(s)
  諏澤吉彦
- Journal Title
  
  京都マネジメント・レビュー
  
  Volume: 第36号 Pages: 5-17
- NAID
  120006893157
- Open Access
- Data Source
  KAKENHI-PROJECT-17K04018
[Journal Article] Risk Evaluation Accuracy using Telematics and Policyholders’ Coverage Selection: An Analysis Based on an Equilibrium Model2020
- Author(s)
  諏澤吉彦
- Journal Title
  
  京都マネジメント・レビュー
  
  Volume: 36 Pages: 5-17
- NAID
  120006893157
- Open Access
- Data Source
  KAKENHI-PROJECT-17K04018
[Journal Article] 分離均衡モデルに基づく公的年金制度と私的年金保険のあり方に関する考察2019
- Author(s)
  諏澤吉彦
- Journal Title
  
  保険学雑誌
  
  Volume: 644 Pages: 107-127
- NAID
  130007818514
- Data Source
  KAKENHI-PROJECT-17K04018
[Journal Article] Insurtechによるリスク評価の精緻化と保険選択への影響2018
- Author(s)
  諏澤吉彦
- Journal Title
  
  損害保険研究
  
  Volume: 80-3 Pages: 79-100
- NAID
  130007844092
- Data Source
  KAKENHI-PROJECT-17K04018
[Journal Article] 老齢保障システムにおける公的・私的年金ポートフォリオ選択に関する考察2017
- Author(s)
  諏澤吉彦
- Journal Title
  
  生命保険論集
  
  Volume: 第201号 Pages: 85-110
- NAID
  40021422401
- Data Source
  KAKENHI-PROJECT-17K04018
[Journal Article] 保険業規制の国際協調のあり方に関する考察―保険のリスク移転と金融仲介機能に焦点をあてて―2015
- Author(s)
  諏澤吉彦
- Journal Title
  
  保険学雑誌
  
  Volume: 629 Pages: 47-63
- NAID
  130005153627
- Acknowledgement Compliant
- Data Source
  KAKENHI-PROJECT-25380584
[Journal Article] The Impact of Insurance on a Sustainable Society Exposed to Natural Disaster Risks2014
- Author(s)
  Suzawa, Yoshihiko and Nicos A. Scordis
- Journal Title
  
  京都マネジメント・レビュー
  
  Volume: 25 Pages: 85-103
- NAID
  110009902587
- Acknowledgement Compliant / Open Access
- Data Source
  KAKENHI-PROJECT-25380584
[Journal Article] 持続的社会に向けた官民パートナーシップによる保険スキームに関する考察2013
- Author(s)
  諏澤吉彦・Nicos A. Scordis
- Journal Title
  
  京都マネジメント・レビュー
  
  Volume: 第23号 Pages: 55-70
- NAID
  110009808665
- Data Source
  KAKENHI-PROJECT-25380584
[Journal Article] 從地震風險的保險可能性看日本地震保險制度的有效性：以東日本大地震為例」（地震リスクの保険可能性から見た日本の地震保険制度の有効性の検討―東日本大震災の経験をふまえて―）2012
- Author(s)
  諏澤吉彦
- Journal Title
  
  中台灣日本研究論壇論集
  
  Volume: 2号 Pages: 153-167
- Data Source
  KAKENHI-PROJECT-22530467
[Journal Article] 從地震風險的保險可能性看日本地震保險制度的有效性:以東日本大地震為例(地震リスクの保険可能性から見た日本の地震保険制度の有効性の検討-東日本大震災の経験をふまえて-)2012
- Author(s)
  諏澤吉彦
- Journal Title
  
  中台灣日本研究論壇論集
  
  Volume: 2号 Pages: 153-167
- URL
  http://sympo.thu.edu.tw/
- Data Source
  KAKENHI-PROJECT-22530467
[Journal Article] Division of Roles between Compulsory and Voluntary Insurance: The Case of Japanese Automobile Liability Insurance Scheme2012
- Author(s)
  Suzawa,Yoshihiko and Takau Yoneyama
- Journal Title
  
  京都マネジメント・レビュー
  
  Volume: 20号 Pages: 111-127
- NAID
  110009444018
- URL
  http://ksurep.kyoto-su.ac.jp/
- Data Source
  KAKENHI-PROJECT-22530467
[Journal Article] Study of Division of Roles between Compulsory and Voluntary Insurance: The Case of Japanese Automobile Liability Insurance Scheme2012
- Author(s)
  Suzawa,Yoshihiko
- Journal Title
  
  京都マネジメント・レビュー
  
  Volume: 12号 Pages: 111-127
- Data Source
  KAKENHI-PROJECT-22530467
[Journal Article] 統一料率と保険会社のインセンティブ-自賠責保険と地震保険が経営に与えた影響-2011
- Author(s)
  米山高生・諏澤吉彦
- Journal Title
  
  損害保険研究
  
  Volume: 73巻1号 Pages: 121-145
- NAID
  130007877765
- Data Source
  KAKENHI-PROJECT-22530467
[Journal Article] 統一料率と保険会社のインセンティブ‐自賠責保険と地震保険が経営に与えた影響-2011
- Author(s)
  米山高生・諏澤吉彦
- Journal Title
  
  損害保険研究
  
  Volume: 73巻1号 Pages: 121-145
- NAID
  130007877765
- URL
  http://www.sonposoken.or.jp/
- Data Source
  KAKENHI-PROJECT-22530467
[Presentation] Role of Insurance in Corporate Health and Productive Management: An Analysis of Productivity Loss after Cancer Treatment Based on Corporate Medical Insurance Claims Data2023
- Author(s)
  Suzawa, Yoshihiko and Katsuhiko Nagai
- Organizer
  Asia-Pacific Risk and Insurance Association Annual Conference
- Int'l Joint Research
- Data Source
  KAKENHI-PROJECT-23K22135
[Presentation] International Coordination of Insurance Regulation: Focusing on Insurance Functions of Risk Transfer and Financial Intermediation2023
- Author(s)
  Suzawa, Yoshihiko
- Organizer
  風險管理與保險法制國際沙龍 (International Forum on Risk Management and Insurance Regulation)
- Invited / Int'l Joint Research
- Data Source
  KAKENHI-PROJECT-23K22135
[Presentation] Does Health Promotion Medical Insurance Improve the Business Value of an Insurer?: An Analysis of the Japanese Market2022
- Author(s)
  Suzawa, Yoshihiko and Katsuhiko Nagai
- Organizer
  Asia-Pacific Risk and Insurance Association Annual Conference
- Int'l Joint Research
- Data Source
  KAKENHI-PROJECT-23K22135
[Presentation] Effect of Health Promotion Insurance on Medical Cost: An Analysis Based on Data of Corporate Health Insurance Societies2022
- Author(s)
  Suzawa, Yoshihiko and Katsuhiko Nagai
- Organizer
  Korean Insurance Academic Society 2022 58th Anniversary Symposium （2022年度韓国保険学会創立 58周年記念学術大会）
- Invited / Int'l Joint Research
- Data Source
  KAKENHI-PROJECT-23K22135
[Presentation] Risk Evaluation Factor of Health Promotion Medical Insurance: An Analysis Focusing on Cost of Telematics and Policyholders’ Coverage Selection2020
- Author(s)
  Suzawa, Yoshihiko
- Organizer
  World Risk and Insurance Economic Conference
- Int'l Joint Research
- Data Source
  KAKENHI-PROJECT-17K04018
[Presentation] 健康増進型医療保険の効果と費用―健康保険組合データからの分析―2020
- Author(s)
  諏澤吉彦・田中貴・永井克彦
- Organizer
  日本保険学会全国大会
- Data Source
  KAKENHI-PROJECT-17K04018
[Presentation] Family Group Insurance Scheme to Encourage Health Promoting Activities beyond Generations2019
- Author(s)
  Suzawa, Yoshihiko
- Organizer
  2019 Biennial Global Intergenerational Conference
- Int'l Joint Research
- Data Source
  KAKENHI-PROJECT-17K04018
[Presentation] Risk Evaluation Accuracy by Insurtech and Policyholders' Coverage Selection: An Analysis Based on Equilibrium Model2019
- Author(s)
  Suzawa, Yoshihiko
- Organizer
  Asia-Pacific Risk and Insurance Association 2019 Annual Conference
- Int'l Joint Research
- Data Source
  KAKENHI-PROJECT-17K04018
[Presentation] Insurtechによるリスク評価の精緻化と保険選択2018
- Author(s)
  諏澤吉彦
- Organizer
  保険および金融についての研究ワークショップ（Workshop on Insurance and Finance）
- Data Source
  KAKENHI-PROJECT-17K04018
[Presentation] Functional Division of Public and Private Insurance in the Retirement Security System: Utility Effect of Cross-Subsidy and Expense Loadings2018
- Author(s)
  Suzawa, Yoshihiko
- Organizer
  Asia-Pacific Risk & Insurance Association Annual Conference
- Int'l Joint Research
- Data Source
  KAKENHI-PROJECT-17K04018
[Presentation] Role of Private Pension Insurance in the Retirement Security System2017
- Author(s)
  Suzawa, Yoshihiko
- Organizer
  Asia-Pacific Risk & Insurance Association Annual Conference
- Int'l Joint Research
- Data Source
  KAKENHI-PROJECT-17K04018
[Presentation] 老齢保障システムにおける生命保険事業の役割と公的年金との機能分担2017
- Author(s)
  諏澤吉彦
- Organizer
  保険学セミナー・懇談会（大阪）
- Data Source
  KAKENHI-PROJECT-17K04018
[Presentation] 私的年金保険の保障提供範囲に関する考察―分離均衡モデルに基づく分析―2017
- Author(s)
  諏澤吉彦
- Organizer
  日本保険学会関西部会
- Data Source
  KAKENHI-PROJECT-17K04018
[Presentation] Division of Roles between Private and Public Retirement Insurance Plans for an Aging Global Society2015
- Author(s)
  Suzawa, Yoshihiko
- Organizer
  World Risk & Insurance Economics Congress
- Place of Presentation
  Ludwig Maximilians University of Munich（ドイツ・ミュンヘン市）
- Year and Date
  2015-08-02
- Int'l Joint Research
- Data Source
  KAKENHI-PROJECT-25380584
[Presentation] 持続的社会の実現に向けた生命保険事業の役割と生活保障システム2014
- Author(s)
  諏澤吉彦
- Organizer
  生活保障システムと生命保険産業研究会
- Place of Presentation
  公益財団法人生命保険文化センター（東京都千代田区）
- Data Source
  KAKENHI-PROJECT-25380584
[Presentation] 保険業規制の国際協調のあり方に関する考察―保険のリスク移転と金融仲介機能に焦点をあてて―2014
- Author(s)
  諏澤吉彦
- Organizer
  日本保険学会全国大会
- Place of Presentation
  香川大学（香川県高松市）
- Year and Date
  2014-10-19
- Invited
- Data Source
  KAKENHI-PROJECT-25380584
[Presentation] National Market Economic Growth: The Contributions of Insurance Market Synergies2014
- Author(s)
  Ma, YuLuen, Nat Pope, Masahiro Inoguchi and Yoshihiko Suzawa
- Organizer
  Asia-Pacific Risk & Insurance Association
- Place of Presentation
  Moscow State University, Moｓcow, Russia
- Year and Date
  2014-07-28
- Data Source
  KAKENHI-PROJECT-25380584
[Presentation] 医療・老齢保障システムにおける公・私保障の機能分担2014
- Author(s)
  諏澤吉彦
- Organizer
  生活保障システムと生命保険産業研究会
- Place of Presentation
  公益財団法人生命保険文化センター（東京都千代田区）
- Year and Date
  2014-10-31
- Data Source
  KAKENHI-PROJECT-25380584
[Presentation] Regulatory Intervention into Insurance Ratemaking: A Test of the Sustainability of Japanese Automobile and Earthquake Insurance Schemes2014
- Author(s)
  Yoshihiko Suzawa, Takau Yoneyama
- Organizer
  Japan-Korea Insurance Scholars' Exchange Workshop
- Place of Presentation
  Sejong University（韓国ソウル市）
- Data Source
  KAKENHI-PROJECT-25380584
[Presentation] Public-Private Insurance Partnership for a Sustainable Society Exposed to Natural Disaster Risks2013
- Author(s)
  Yoshihiko Suzawa, Nicos A. Scordis
- Organizer
  Asia-Pacific Risk & Insurance Association
- Place of Presentation
  St. John’s University（米国ニューヨーク市）
- Data Source
  KAKENHI-PROJECT-25380584
[Presentation] 従地震風險的保險可能性看日本地震保險制度的有效性:以東日本大地震為例(地震リスクの保険可能性から見た日本の地震保険制度の有効性の検討-東日本大震災の経験をふまえて-)2012
- Author(s)
  諏澤吉彦
- Organizer
  中台灣日本研究論壇(中部台湾日本研究フォーラム)
- Place of Presentation
  東海大學跨領域日本區域研究中心(東海大学日本地域研究センター)(台湾台中市)(招待講演)
- Year and Date
  2012-01-07
- Data Source
  KAKENHI-PROJECT-22530467
[Presentation] 從地震風險的保險可能性看日本地震保險制度的有效性:以東日本大地震為例(地震リスクの保険可能性から見た日本の地震保険制度の有効性の検討‐東日本大震災の経験をふまえて‐)2012
- Author(s)
  諏澤吉彦
- Organizer
  中台灣日本研究論壇(中部台湾日本研究フォーラム)(招待講演)
- Place of Presentation
  東海大學跨領域日本區域研究中心(東海大学日本地域研究センター)、台湾
- Year and Date
  2012-01-07
- Data Source
  KAKENHI-PROJECT-22530467
[Presentation] 強制保険と任意保険の機能分担に関する経済分析-わが国の自動車保険制度に焦点をあてて-2011
- Author(s)
  諏澤吉彦・米山高生
- Organizer
  日本保険・年金リスク学会
- Place of Presentation
  明治大学
- Year and Date
  2011-11-05
- Data Source
  KAKENHI-PROJECT-22530467
[Presentation] 強制保険と任意保険の機能分担に関する経済分析-わが国の自動車保険制度に焦点をあてて-2011
- Author(s)
  諏澤吉彦・米山高生
- Organizer
  日本保険・年金リスク学会
- Place of Presentation
  明治大学(東京都)
- Year and Date
  2011-11-05
- Data Source
  KAKENHI-PROJECT-22530467
[Presentation] Division of Roles between Compulsory and Voluntary Insurance : A Case of Japanese Automobile Insurance Scheme2011
- Author(s)
  諏澤吉彦・米山高生
- Organizer
  Asia-Pacific Risk and Insurance Association
- Place of Presentation
  明治大学(東京都)
- Year and Date
  2011-08-03
- Data Source
  KAKENHI-PROJECT-22530467
[Presentation] Division of Roles between Compulsory and Voluntary Insurance: A Case of Japanese Automobile Insurance Scheme2011
- Author(s)
  Suzawa,Yoshihiko and Takau Yoneyama
- Organizer
  Asia-Pacific Risk and Insurance Association
- Place of Presentation
  Meiji University
- Year and Date
  2011-08-03
- Data Source
  KAKENHI-PROJECT-22530467
[Presentation] Effectiveness Evaluation of the Japanese Standard Full Rate System in Relation to the Profitability of Non-Life Insurers2010
- Author(s)
  Suzawa,Yoshihiko and Takau Yoneyama
- Organizer
  World Risk & Insurance Economics Congress
- Place of Presentation
  Singapore Management University, Singapore
- Year and Date
  2010-07-27
- Data Source
  KAKENHI-PROJECT-22530467
[Presentation] Effectiveness Evaluation of the Japanese Standard Full Rate System in Relation to the Profitability of Non-Life Insurers2010
- Author(s)
  諏澤吉彦・米山高生
- Organizer
  World Risk & Insurance Economics Congress
- Place of Presentation
  Singapore Management University (Singapore)
- Year and Date
  2010-07-27
- Data Source
  KAKENHI-PROJECT-22530467

1. YONEYAMA Takau (00175019)

# of Collaborated Projects: 2 results

# of Collaborated Products: 9 results
2. 山本信一 (90388108)

# of Collaborated Projects: 1 results

# of Collaborated Products: 0 results

Suzawa Yoshihiko 諏澤 吉彦

SUZAWA Yoshihiko 諏澤 吉彦

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健康長寿社会に向けた保険経営と保険理論の研究―健康増進型保険の経済分析を軸に―Principal Investigator

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Restructuring of Insurance Theory and Insurance Management in Aging Society: Focusing on Quantitative Analysis of Health Promotion Medical InsurancePrincipal Investigator

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Partnership between Public and Private Pension Insurance for a Sustainable Retirement Security SystemPrincipal Investigator

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Study on Roles of the Insurance Industry for a Sustainable SocietyPrincipal Investigator

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Non-life Insurance Price Regulation and Competition: A StudyFocusing on the Impact of Premium Rate DeregulationPrincipal Investigator

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[Book] 基礎からわかる損害保険の理論と実務2023

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[Book] 生活保障システムのパラダイムシフトと生命保険産業（研究代表者担当第6章（医療保障のシステムにおける公・私保障の機能分担）および第7章（老齢保障のシステムにおける公・私保障の機能分担））2015

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[Journal Article] 健康経営推進に向けた損害保険事業の役割に関する考察2024

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[Journal Article] 健康経営推進に向けた保険増進型医療保険の役割2023

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[Journal Article] Effect of Health Promotion Medical Insurance Monitoring Insureds’ Lifestyle Habit on Value of Business for Life Insurers2022

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[Journal Article] Financial Effect of Health Promotion Medical Insurance for an Insurer: An Analysis Based on Data of Corporate Health Insurance Societies2022

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[Journal Article] Risk Evaluation Accuracy Using Telematics and Policyholders’ Coverage Selection: An Analysis Based on an Equilibrium Model2020

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[Journal Article] Risk Evaluation Accuracy using Telematics and Policyholders’ Coverage Selection: An Analysis Based on an Equilibrium Model2020

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Suzawa Yoshihiko 諏澤吉彦

SUZAWA Yoshihiko 諏澤吉彦