Information processing system, information processing method, and program

Abstract

To support improvement of data quality related to emissions of an investee or borrower.SOLUTION: An information processing system includes: an emission acquisition unit which acquires emissions of greenhouse gases in an investee or a borrower of a financial institution; a quality acquisition unit which acquired data quality of the emissions; a score calculation unit which calculates data quality score in accordance with the data quality and the amount of investment or loan that the investee or the borrower receives; a target selection unit which selects an investee or a borrower that should take action for improving data quality, in accordance with the data quality of the investee or the borrower and the amount of investment or loan that the investee or the borrower receives.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an information processing system, an information processing method, and a program. [Background technology]

[0002] Estimation of carbon dioxide emissions has been carried out (see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2022-091900 Summary of the Invention [Problem to be solved by the invention]

[0004] Investment recipients are also required to report their emissions, and when reporting emissions, an assessment of the quality of the data is made public.

[0005] The present invention has been made in view of the above background, and aims to provide a technology that can support the improvement of data quality related to emissions of investment and loan recipients. [Means for solving the problem]

[0006] The main invention of the present invention for solving the above problem is an information processing system comprising an emissions acquisition unit that acquires greenhouse gas emissions at investment and loan recipients of a financial institution; a quality acquisition unit that acquires data quality of the emissions; a score calculation unit that calculates a data quality score based on the investment amount and the data quality of the investment and loan recipient; and a target selection unit that selects the investment and loan recipient as a target for taking action to improve the data quality based on the data quality of the investment and loan recipient and the investment and loan amount of the investment and loan recipient.

[0007] Other problems and solutions disclosed in this application will be made clear in the section on preferred embodiments of the invention and the drawings. [Effects of the Invention]

[0008] According to the present invention, it is possible to support improvement of data quality related to emissions of investment and loan recipients. [Brief explanation of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram illustrating an example of the overall configuration of an information processing system. [Figure 2] FIG. 2 illustrates an example of a hardware configuration of a management server 2. [Figure 3] FIG. 2 illustrates an example of the software configuration of a management server 2. [Figure 4] FIG. 10 is a diagram illustrating the operation of the management server 2. DETAILED DESCRIPTION OF THE INVENTION

[0010] <System Overview> An information processing system according to an embodiment of the present invention will be described below.

[0011] 1 is a diagram showing an example of the overall configuration of an information processing system. The information processing system of this embodiment is configured to include a management server 2. The management server 2 is communicably connected to an investment / loan recipient terminal 1 and a financial institution terminal 3 via a communication network. The communication network is, for example, the Internet, and is constructed using a public telephone line network, a mobile phone line network, a wireless communication path, Ethernet (registered trademark), etc.

[0012] The financial institution terminal 3 is a computer operated by a user of the financial institution (hereinafter referred to as a financial institution user). The financial institution terminal 3 can be, for example, a smartphone, a tablet computer, or a personal computer.

[0013] The investment / loan recipient terminal 1 is a computer operated by a user (hereinafter referred to as the investment / loan recipient user) related to the financial institution's investment / loan recipient (which may be a company, an individual, or real estate, or any other entity that is the subject of investment or financing). The investment / loan recipient terminal 1 is a computer operated by the investment / loan recipient user. The investment / loan recipient terminal 1 may be, for example, a smartphone, a tablet computer, a personal computer, or the like.

[0014] The management server 2 may be a general-purpose computer such as a workstation or a personal computer, or may be logically realized by cloud computing.

[0015] <Administration Server> FIG. 2 is a diagram illustrating an example of the hardware configuration of the management server 2. Note that the illustrated configuration is an example, and other configurations may also be used. The management server 2 includes a CPU 201, a memory 202, a storage device 203, a communication interface 204, an input device 205, and an output device 206. The storage device 203 stores various data and programs, and is, for example, a hard disk drive, a solid state drive, or a flash memory. The communication interface 204 is an interface for connecting to a communication network, and is, for example, an adapter for connecting to Ethernet (registered trademark), a modem for connecting to a public telephone network, a wireless communication device for wireless communication, or a USB (Universal Serial Bus) connector or an RS232C connector for serial communication. The input device 205 is used to input data, and is, for example, a keyboard, a mouse, a touch panel, a button, a microphone, or the like. The output device 206 is used to output data, and is, for example, a display, a printer, a speaker, or the like. Each functional unit of the management server 2 described below is realized by the CPU 201 reading a program stored in the storage device 203 into the memory 202 and executing it, and each storage unit of the management server 2 is realized as part of the storage area provided by the memory 202 and the storage device 203.

[0016] 3 is a diagram illustrating an example of the software configuration of the management server 2. The management server 2 includes an emission amount acquisition unit 211, a quality acquisition unit 212, a score calculation unit 213, a target selection unit 214, an indirect emission amount calculation unit 215, and a proposal unit 216.

[0017] <Functional section> The emission acquisition unit 211 acquires the greenhouse gas emissions of the financial institution's investment and loan recipients. The emission acquisition unit 211 can receive the emissions from, for example, a financial institution terminal 3 operated by a user of the financial institution. The emission acquisition unit 211 can acquire the emissions of the investment and loan recipients, for example, by accessing an emission management system that manages greenhouse gas emissions. The emission acquisition unit 211 may acquire, for example, report data on greenhouse gas emissions reported by the investment and loan recipients from, for example, the websites of the investment and loan recipients or the organizations to which the reports are sent.

[0018] The quality acquisition unit 212 acquires the data quality of emissions. Data quality is the data quality used for financed emissions. The lower the data quality value, the higher the quality is evaluated. When the data quality is 1 (score 1), the emissions are third-party certified emissions data reported by the company. When the data quality is 2 (score 2), the emissions are not third-party certified emissions data reported by the company. When the data quality is 2, the emissions may be calculated by multiplying the company's energy consumption by an emission factor specific to the energy used. When the data quality is 3 (score 3), the emissions may be calculated by multiplying the company's production volume by an emission factor specific to the production activity. When the data quality is 4 (score 4), the emissions may be calculated by multiplying the company's sales by an emission factor per sales sector. When the data quality is 5 (score 5), the emissions may be calculated by multiplying the investment amount by an emission factor per asset amount per sector. Alternatively, if the data quality is 5 (score 5), the emissions can be calculated by multiplying the investment amount by the emissions coefficient per sales by sector and the asset turnover rate. In this embodiment, increasing the data quality means decreasing the data quality value. Note that the system may be designed so that the higher the data quality value, the higher the quality is evaluated to be. The quality acquisition unit 212 can receive the data quality from the financial institution terminal 3. The quality acquisition unit 212 can also determine the data quality from other data.

[0019] The quality acquisition unit 212 can receive data quality from, for example, the financial institution terminal 3 operated by a user of the financial institution. The quality acquisition unit 212 may determine the data quality of the investment / loan target based on information obtained by accessing, for example, an emissions management system that manages greenhouse gas emissions or a website that discloses reports. For example, when the acquisition unit 211 can obtain a report on greenhouse gas emissions from the investment / loan target from the investment / loan target's website, the quality acquisition unit 212 can determine whether or not a third-party certification is attached, and determine the data quality as 1 (score 1) if a third-party certification is attached, and as 2 (score 2) if a third-party certification is not attached. For example, when a report on greenhouse gas emissions from the investment / loan target cannot be obtained, the emissions acquisition unit 211 can inquire of the financial institution user as to which of 3 (score 3) to 5 (score 5) the data used as the basis for calculating the investment / loan target's emissions falls. For example, the emission acquisition unit 211 can inquire whether the company's production volume and emission coefficient related to production activities have been obtained, and if they have been obtained, set the data quality to 3 (score 3); if they have not been obtained, it can inquire whether the company's sales revenue and emission coefficient per sales revenue have been obtained, and if they have been obtained, set the data quality to 4 (score 4); if they have not been obtained, it can determine the data quality to 5 (score 5).

[0020] The score calculation unit 213 calculates a data quality score, which is a weighted average of data quality according to the investment amount for the investment / loan destination. The score calculation unit 213 can calculate the data quality score for the investment / loan destination i by Σ(investment amount i × data quality i) ÷ Σ investment / loan amount i.

[0021] The target selection unit 214 selects investment targets (hereinafter referred to as target investment targets) that are candidates for measures to improve the data quality score. In order to improve the data quality score, the target selection unit 214 (which is a target for which action should be taken to improve the data quality score of the investment target (reduce the data quality value)) can select target investment targets based on the data quality of the investment target and the amount of investment in the investment target. The target selection unit 214 can select a predetermined number of target investment targets in descending order of the value obtained by multiplying the data quality of the investment target by the amount of investment in the investment target. For example, the target selection unit 214 can obtain from the financial institution user the ease of approaching the investment target, and select a predetermined number of target investment targets in descending order of the value obtained by weighting the data quality x investment amount by the ease of approach.

[0022] The indirect emission calculation unit 215 calculates the indirect greenhouse gas emissions of the financial institution by multiplying the emissions by an attribution rate obtained by dividing the amount of investment and loan from the financial institution to the investment and loan recipient by the total amount of investment and loan received by the investment and loan recipient.

[0023] The suggestion unit 216 can suggest to the financial institution user an action to improve the data quality of the investment or loan recipient. The suggestion unit 216 can suggest to the target investment or loan recipient selected by the target selection unit 214 that the target investment or loan recipient take an action to improve the data quality. If the data quality indicates that the emissions of the selected investment or loan recipient are calculated based on the sales revenue of the investment or loan recipient, the suggestion unit 216 can suggest that the calculation be based on the production volume of the investment or loan recipient. If the data quality indicates that the emissions of the selected investment or loan recipient are calculated based on the production volume of the investment or loan recipient, the suggestion unit 216 can suggest that the emissions reported by the investment or loan recipient be obtained. If the data quality indicates that the emissions of the selected investment or loan recipient were reported without third-party certification, the suggestion unit 216 can suggest that third-party certification of the emissions be obtained. The suggestion unit 216 can send a message including the suggestion to the financial institution terminal 3.

[0024] <Operation> FIG. 4 is a diagram illustrating the operation of the management server 2.

[0025] The management server 2 acquires the emissions of the investment / loan recipients (S301), acquires the data quality of the acquired emissions (S302), calculates a data quality score from the investment amount and data quality (S303), selects target investment / loan recipients according to the investment amount x data quality (S304), and proposes approaches to the target investment / loan recipients (S305).

[0026] As described above, the information processing system of this embodiment can support improvement of the data quality of the investment target and / or the overall data quality score.

[0027] Although the present embodiment has been described above, the above embodiment is intended to facilitate understanding of the present invention and is not intended to limit the present invention. The present invention may be modified or improved without departing from the spirit thereof, and equivalents thereof are also included in the present invention.

[0028] For example, the processing by each of the functional units of the management server 2 described above may be performed by any of the functional units. Also, a different functional unit that performs part of the processing by each of the functional units described above may be added. Also, the functional units of the management server 2 may be distributed across multiple computers.

[0029] Furthermore, the information stored in each storage unit of the management server may be stored in any of the storage units. That is, the information stored in the above-mentioned multiple storage units may be stored in one storage unit, or part of the information stored in one of the above-mentioned storage units may be stored in another storage unit.

[0030] <Disclosures> The present disclosure also includes the following configurations. [Item 1] an emissions acquisition unit that acquires greenhouse gas emissions from investments and loans made by the financial institution; a quality acquisition unit that acquires data quality of the emission amount; a score calculation unit that calculates a data quality score according to the investment amount for the investment / loan recipient and the data quality; a target selection unit that selects the investment and loan recipient as a target for which action to improve the data quality should be taken, according to the data quality of the investment and loan recipient and the investment amount for the investment and loan recipient; An information processing system comprising: [Item 2] Item 1, an information processing system according to item 1, the target selection unit selects the investment and loan recipients as targets for taking the action in descending order of a value obtained by multiplying the data quality of the investment and loan recipients by the investment and loan amount for the investment and loan recipients; An information processing system characterized by: [Item 3] Item 1, an information processing system according to item 1, an indirect emissions calculation unit that calculates the indirect greenhouse gas emissions of the financial institution by multiplying the emissions by an attribution ratio obtained by dividing the amount of investment and loan from the financial institution to the investment and loan recipient by the total amount of investment and loan received by the investment and loan recipient; An information processing system characterized by: [Item 4] Item 1, an information processing system according to item 1, a proposal unit that, when the data quality indicates that the emissions of the selected investment / loan target are calculated based on the sales volume of the investment / loan target, proposes that the calculation should be based on the production volume of the investment / loan target; An information processing system characterized by: [Item 5] Item 1, an information processing system according to item 1, a proposal unit that proposes that the emissions reported by the selected investment / loan recipient should be acquired when the data quality indicates that the emissions of the selected investment / loan recipient are calculated based on the production volume of the investment / loan recipient; [Item 6] Item 1, an information processing system according to item 1, a suggestion unit that suggests that the selected investment or loan recipient should obtain third-party certification for the emissions when the data quality indicates that the emissions have been reported without third-party certification; An information processing system characterized by: [Explanation of symbols]

[0031] 1. Investment and loan recipient terminal 2 Management Server 3 Financial institution terminals

Claims

1. an emissions acquisition unit that acquires greenhouse gas emissions from investments and loans made by the financial institution; a quality acquisition unit that acquires data quality of the emission amount; a score calculation unit that calculates a data quality score according to the investment amount for the investment / loan recipient and the data quality; a target selection unit that selects the investment and loan recipient as a target for which action to improve the data quality should be taken, according to the data quality of the investment and loan recipient and the investment amount for the investment and loan recipient; An information processing system comprising:

2. 2. The information processing system according to claim 1, the target selection unit selects the investment and loan recipients as targets for taking the action in descending order of a value obtained by multiplying the data quality of the investment and loan recipients by the investment and loan amount for the investment and loan recipients; An information processing system characterized by:

3. 2. The information processing system according to claim 1, an indirect emissions calculation unit that calculates the indirect greenhouse gas emissions of the financial institution by multiplying the emissions by an attribution ratio obtained by dividing the amount of investment and loan from the financial institution to the investment and loan recipient by the total amount of investment and loan received by the investment and loan recipient; An information processing system characterized by:

4. 2. The information processing system according to claim 1, a proposal unit that, when the data quality indicates that the emissions of the selected investment / loan target are calculated based on the sales volume of the investment / loan target, proposes that the calculation should be based on the production volume of the investment / loan target; An information processing system characterized by:

5. 2. The information processing system according to claim 1, a proposal unit that proposes that the emissions reported by the selected investment / loan recipient should be acquired when the data quality indicates that the emissions of the selected investment / loan recipient are calculated based on the production volume of the investment / loan recipient;

6. 2. The information processing system according to claim 1, a suggestion unit that suggests that the selected investment or loan recipient should obtain third-party certification for the emissions when the data quality indicates that the emissions have been reported without third-party certification; An information processing system characterized by:

7. Obtaining greenhouse gas emissions data for investments and loans made by the financial institution; obtaining data quality of the emissions; calculating a data quality score according to the investment amount for the investment and loan recipient and the data quality; selecting the investment target for which action to improve the data quality should be taken according to the data quality of the investment target and the investment amount for the investment target; An information processing method characterized by being executed by a computer.

8. Obtaining greenhouse gas emissions data for investments and loans made by the financial institution; obtaining data quality of the emissions; calculating a data quality score according to the investment amount for the investment and loan recipient and the data quality; selecting the investment target for which action to improve the data quality should be taken according to the data quality of the investment target and the investment amount for the investment target; A program that causes a computer to execute the following.

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