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＜Elementary＞ Lesson No.18
インドネシアJVパートナーとの方針不一致 / Conflict with Indonesia JV Partner
０．Greetings & Ice-break (2min.)｜挨拶と導入
0-1 Greetings
Let’s practice a short small talk that you can use to greet a business partner and start building a good relationship.
講師との挨拶を兼ねて、ビジネスパートナーと信頼関係を築くための短いスモールトークを練習してみましょう。
[Tips / 会話のヒント]
・Can you hear me clearly?
私の声はクリアに聞こえますか？
・How's your day going so far?
今日はどんな一日でしたか？
・Talk about one small topic (Work, Weather, News, Hometown, Sports event, etc.)
軽い話題について話しましょう（仕事、天気、ニュース、地元、スポーツイベントなど）
0-2 Introduction
In today’s lesson, we’ll learn about the following situation. Have you ever experienced something similar?
本日のレッスンでは以下のようなシチュエーションについて学びます。同様のシチュエーションを経験したことがありますか？
- If you have experience, please tell us what it was like, what was difficult, or what you learned.
経験があれば、どんな内容だったか、難しかったことや学んだことなどを教えて下さい。
- If you don’t have experience, try to imagine yourself handling that situation in English.
What do you think would be challenging?
経験がなければ、英語でその状況に対応しているところを想像してみましょう。どんなことが難しそうですか？
Situation / シチュエーション
Resolving a strategic disagreement with an Indonesian partner.
合弁相手との経営方針のズレを解消し、保険会社の戦略に沿った運営に戻す交渉場面です。
1. Read (2 min)｜型を学ぶ
Let's read the following key sentences aloud!
下記の文章や単語を順番に音読しましょう！
1-1 Basic phrases
１．I understand your concern about...（...についてのご懸念は理解しています）
２．Let me explain our position...（当社の立場を説明させてください）
３．I recommend we continue to...（...を続けることを提案します）
４．I appreciate your flexibility, but...（柔軟なご提案に感謝しますが...）
５．I can suggest an alternative approach...（代替案を提案できます）
６．This strategy would allow us to...（この戦略により...できます）
７．I believe this approach will address...（このアプローチは...に対処できると考えています）
1-2 Essential words
１．diversification（多角化）
２．reduce（減らす）
３．explain（説明する）
４．improve（改善する）
５．expand（拡大する）
６．flexibility（柔軟性）
７．delay（遅らせる）
８．alternative（代替の）
９．maintain（維持する）
１０．respect（尊重する）
2. Try (3 min)｜ロールプレイ練習
Let’s practice the role-play.
ロールプレイの練習をしましょう！
Situation / シチュエーション（Reference again）
Resolving a strategic disagreement with an Indonesian partner.
合弁相手との経営方針のズレを解消し、保険会社の戦略に沿った運営に戻す交渉場面です。
👨💼【Teacher / JV Partner CFO】:
Thank you for meeting today. We'd like to discuss our proposal to invest in new business areas outside life insurance. We believe diversification will reduce risk and increase long-term returns for our joint venture.
（本日はお時間をいただきありがとうございます。生命保険以外の新規事業への投資提案について話し合いたいと思います。多角化によりリスクが減り、合弁会社の長期的なリターンが増えると考えています。）
🧑🎓【Student / JV Insurance Manager】:
I understand your concern about diversification. However, our joint venture agreement clearly states that we focus on life insurance operations. Investing in unrelated areas may dilute our core expertise and reduce profitability in our main business.
（多角化についてのご懸念は理解しています。しかし、合弁契約では生命保険事業に集中すると明記されています。関連性のない分野への投資は、中核的な専門性を薄め、主要事業の収益性を低下させる可能性があります。）
👨💼【Teacher / JV Partner CFO】:
I see your point, but the insurance market is becoming more competitive. We need new revenue sources to maintain growth. Can you explain why staying focused only on insurance is better for our partnership?
（おっしゃることは分かりますが、保険市場の競争は激化しています。成長を維持するには新たな収益源が必要です。保険のみに集中することが、なぜパートナーシップにとってより良いのか説明していただけますか？）
🧑🎓【Student / JV Insurance Manager】:
Let me explain our position. Our life insurance business achieved 12 percent revenue growth last year, which is above the industry average of 8 percent. If we invest resources in unfamiliar sectors, we risk losing this competitive advantage. I recommend we continue to improve our insurance products and expand our customer base instead.
（当社の立場を説明させてください。昨年、生命保険事業は12パーセントの収益成長を達成しました。これは業界平均の8パーセントを上回っています。不慣れな分野にリソースを投資すれば、この競争優位性を失うリスクがあります。代わりに保険商品の改善と顧客基盤の拡大を続けることを提案します。）
👨💼【Teacher / JV Partner CFO】:
Your results are impressive, but we still believe diversification is necessary for the future. What if we limit the investment to 15 percent of our total capital? Would that address your concerns?
（その実績は素晴らしいですが、将来のためには多角化が必要だと考えています。投資を総資本の15パーセントに制限したらどうでしょうか？それで懸念は解消されますか？）
🧑🎓【Student / JV Insurance Manager】:
I appreciate your flexibility, but the issue is not just the amount. Our joint venture was established to build a leading life insurance company in this region. Investing in other sectors would require new management expertise and regulatory approvals, which could delay our core business development by at least 18 months.
（柔軟なご提案に感謝します。しかし問題は金額だけではありません。当合弁会社はこの地域で主要な生命保険会社を構築するために設立されました。他分野への投資には新たな経営専門知識と規制当局の承認が必要で、中核事業の発展が少なくとも18か月遅れる可能性があります。）
👨💼【Teacher / JV Partner CFO】:
I understand the regulatory challenges. However, we need to find a way to grow beyond our current market. Can you offer any alternative solutions that might work for both sides?
（規制上の課題は理解しました。しかし現在の市場を超えて成長する方法を見つける必要があります。双方にとって機能する代替案を提示していただけますか？）
🧑🎓【Student / JV Insurance Manager】:
Yes, I can suggest an alternative approach. We could expand our life insurance product line to include health insurance and pension products. These areas are closely related to our core business and require minimal additional regulatory approval. This strategy would allow us to diversify within the insurance sector while maintaining our focus and expertise.
（はい、代替案を提案できます。生命保険商品ラインを拡大し、健康保険と年金商品を含めることができます。これらの分野は中核事業と密接に関連しており、追加の規制承認も最小限で済みます。この戦略により、集中力と専門性を維持しながら保険分野内で多角化できます。）
👨💼【Teacher / JV Partner CFO】:
That sounds like a reasonable compromise. How long would it take to prepare a detailed plan for this insurance-focused expansion?
（それは合理的な妥協案のようですね。この保険重視の拡大について詳細な計画を準備するのにどれくらいかかりますか？）
🧑🎓【Student / JV Insurance Manager】:
We can prepare a complete proposal within 6 weeks. The plan will include market research, cost estimates, and a timeline for product development. I believe this approach will address your growth concerns while respecting the original purpose of our joint venture agreement.
（6週間以内に完全な提案書を準備できます。計画には市場調査、コスト見積もり、製品開発のスケジュールが含まれます。このアプローチは、合弁契約の本来の目的を尊重しながら、貴社の成長への懸念に対処できると考えています。）
👨💼【Teacher / JV Partner CFO】:
Excellent. Let's move forward with your proposal. I look forward to reviewing the detailed plan. Thank you for finding a solution that works for both our companies.
（素晴らしい。あなたの提案で進めましょう。詳細な計画を確認するのを楽しみにしています。両社にとって機能する解決策を見つけていただきありがとうございます。）
3. Use (4 min)｜ロールプレイ & 実践（空欄補完）
Let's perform the role-play and fill in the blanks by translating the Japanese into English!
空欄の日本語を英語に訳しながら、ロールプレイを実践してみましょう！
Situation / シチュエーション（Reference again）
Resolving a strategic disagreement with an Indonesian partner.
合弁相手との経営方針のズレを解消し、保険会社の戦略に沿った運営に戻す交渉場面です。
👨💼【Teacher / JV Partner CFO】:
Thank you for meeting today. We'd like to discuss our proposal to invest in new business areas outside life insurance. We believe diversification will reduce risk and increase long-term returns for our joint venture.
🧑🎓【Student / JV Insurance Manager】:
I understand your concern about ［多角化］. However, our joint venture agreement clearly states that we focus on life insurance operations. Investing in unrelated areas may dilute our core expertise and ［減らす］ profitability in our main business.
👨💼【Teacher / JV Partner CFO】:
I see your point, but the insurance market is becoming more competitive. We need new revenue sources to maintain growth. Can you explain why staying focused only on insurance is better for our partnership?
🧑🎓【Student / JV Insurance Manager】:
Let me ［説明する］ our position. Our life insurance business achieved 12 percent revenue growth last year, which is above the industry average of 8 percent. If we invest resources in unfamiliar sectors, we risk losing this competitive advantage. I recommend we continue to ［改善する］ our insurance products and ［拡大する］ our customer base instead.
👨💼【Teacher / JV Partner CFO】:
Your results are impressive, but we still believe diversification is necessary for the future. What if we limit the investment to 15 percent of our total capital? Would that address your concerns?
🧑🎓【Student / JV Insurance Manager】:
I appreciate your ［柔軟性］, but the issue is not just the amount. Our joint venture was established to build a leading life insurance company in this region. Investing in other sectors would require new management expertise and regulatory approvals, which could ［遅らせる］ our core business development by at least 18 months.
👨💼【Teacher / JV Partner CFO】:
I understand the regulatory challenges. However, we need to find a way to grow beyond our current market. Can you offer any alternative solutions that might work for both sides?
🧑🎓【Student / JV Insurance Manager】:
Yes, I can suggest an ［代替の］ approach. We could ［拡大する］ our life insurance product line to include health insurance and pension products. These areas are closely related to our core business and require minimal additional regulatory approval. This strategy would allow us to diversify within the insurance sector while maintaining our focus and expertise.
👨💼【Teacher / JV Partner CFO】:
That sounds like a reasonable compromise. How long would it take to prepare a detailed plan for this insurance-focused expansion?
🧑🎓【Student / JV Insurance Manager】:
We can prepare a complete proposal within 6 weeks. The plan will include market research, cost estimates, and a timeline for product development. I believe this approach will address your growth concerns while respecting the original purpose of our joint venture agreement.
👨💼【Teacher / JV Partner CFO】:
Excellent. Let's move forward with your proposal. I look forward to reviewing the detailed plan. Thank you for finding a solution that works for both our companies.
4. Challenge (7 min)｜応用実践
Let's perform the role-play and fill in the blanks by translating the Japanese into English!
空欄の日本語を英語に訳しながら、ロールプレイを実践してみましょう！
*Let's practice this part repeatedly until we can speak it smoothly.
このパートはスムーズにスピーキングできるようになるまで繰り返し練習しましょう。
Situation / シチュエーション（Reference again）
Resolving a strategic disagreement with an Indonesian partner.
合弁相手との経営方針のズレを解消し、保険会社の戦略に沿った運営に戻す交渉場面です。
👨💼【Teacher / JV Partner CFO】:
Thank you for meeting today. We'd like to discuss our proposal to invest in new business areas outside life insurance. We believe diversification will reduce risk and increase long-term returns for our joint venture.
🧑🎓【Student / JV Insurance Manager】:
［多角化についてのご懸念は理解しています。］ However, our joint venture agreement clearly states that we focus on life insurance operations. Investing in unrelated areas may dilute our core expertise and reduce profitability in our main business.
👨💼【Teacher / JV Partner CFO】:
I see your point, but the insurance market is becoming more competitive. We need new revenue sources to maintain growth. Can you explain why staying focused only on insurance is better for our partnership?
🧑🎓【Student / JV Insurance Manager】:
［当社の立場を説明させてください。］ Our life insurance business achieved 12 percent revenue growth last year, which is above the industry average of 8 percent. If we invest resources in unfamiliar sectors, we risk losing this competitive advantage. ［保険商品の改善と顧客基盤の拡大を続けることを提案します。］
👨💼【Teacher / JV Partner CFO】:
Your results are impressive, but we still believe diversification is necessary for the future. What if we limit the investment to 15 percent of our total capital? Would that address your concerns?
🧑🎓【Student / JV Insurance Manager】:
［柔軟なご提案に感謝します。］ but the issue is not just the amount. Our joint venture was established to build a leading life insurance company in this region. Investing in other sectors would require new management expertise and regulatory approvals, which could delay our core business development by at least 18 months.
👨💼【Teacher / JV Partner CFO】:
I understand the regulatory challenges. However, we need to find a way to grow beyond our current market. Can you offer any alternative solutions that might work for both sides?
🧑🎓【Student / JV Insurance Manager】:
Yes, I can suggest an alternative approach. We could expand our life insurance product line to include health insurance and pension products. These areas are closely related to our core business and require minimal additional regulatory approval. This strategy would allow us to diversify within the insurance sector while maintaining our focus and expertise.
👨💼【Teacher / JV Partner CFO】:
That sounds like a reasonable compromise. How long would it take to prepare a detailed plan for this insurance-focused expansion?
🧑🎓【Student / JV Insurance Manager】:
We can prepare a complete proposal within 6 weeks. The plan will include market research, cost estimates, and a timeline for product development. I believe this approach will address your growth concerns while respecting the original purpose of our joint venture agreement.
👨💼【Teacher / JV Partner CFO】:
Excellent. Let's move forward with your proposal. I look forward to reviewing the detailed plan. Thank you for finding a solution that works for both our companies.
\ If you have some extra capacity, give it a try（余力があればやってみましょう）/
5. Real-world application (5 min)｜実務応用
Let's speak freely with the phrases and flow we learned today. If you can, imagine your real job—it makes practice more effective.
本日学習した単語やフレーズ、会話の流れを思い出しながら、自由に話してみましょう。可能であれば、自身の実務を想像しながら話すと効果的です。
Situation / シチュエーション
A joint venture partner proposes investing in business areas outside life insurance.
The insurance company manager needs to explain why the JV should focus on its core insurance business.
合弁会社のパートナーが生命保険以外の事業への投資を提案している。
保険会社の担当者は、合弁会社が中核的な保険事業に集中すべき理由を説明する必要がある。
👨💼【Teacher / JV Partner CFO】:
We believe our joint venture needs to diversify beyond life insurance. Can you explain your position on this proposal?
（当合弁会社は生命保険を超えて多角化する必要があると考えています。この提案に対するあなたの立場を説明していただけますか？）
🧑🎓【Student / Your Role】:
(Free Speaking based on today's lesson)
Hints / ヒント
１．Refer to the JV agreement terms（合弁契約の条項を参照する）
２．Present current business performance（現在の事業実績を提示する）
３．Point out risks of unfamiliar investments（不慣れな投資のリスクを指摘する）
４．Propose insurance-related expansion（保険関連の拡大を提案する）
※This is not a role-play. Please speak until you finish your thoughts.
このパートはロールプレイ形式ではありません。最後まで通して話してみましょう。
6. Wrap-up (2 min) ｜レッスンの振り返り
Let's review today's lesson with your teacher!
今日のレッスンについて講師と振り返ってみましょう！
6-1 Comments from student
・Good points / 良かったところ・上手くできたところ
・Things to work on / 今後強化したいところ
6-2 Feedback from teacher
・Good points / 良かった点
・Things to work on / 今後の強化ポイント
・What to review / 復習ポイント
*6-3 Questions from student (if any)
Japanese translation（日本語訳）
1. Read (2min)（型を学ぶ）｜基本フレーズ
2. Try (4min)（ロールプレイ練習）｜型を使った練習
Let’s practice the role-play.
ロールプレイの練習をしましょう！
3. Use (7min)｜応用
Let’s perform the role-play and filling in the missing English!
英語を補完しながら、ロールプレイを実践してみましょう！
4. Challenge (7min)｜実践
Let’s perform the role-play and filling in the missing English!
英語を補完しながら、ロールプレイを実践してみましょう！
5. Wrap-up (3min) – レッスンの振り返り
"Let’s review today’s lesson with your teacher!”
「今日のレッスンについて講師と振り返ってみましょう！」
5-1. Comments from Student
- Good points / 良かったところ・上手くできたところ
- Things to work on / 今後強化したいところ
5-2. Feedback from Teacher
- Good points / 良かった点
- Things to work on / 今後の強化ポイント
- What to review / 復習ポイント
5-3. Question from Students (If any)
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