Financial product management system and financial product management method

Abstract

To achieve both a reduction in environmental burdens and an economic value when a supply chain user has contracted a financial product to which a money rate linked to environmental burdens is applied.SOLUTION: A financial product management system: holds supply chain information that indicates the content of business that a user included in a supply chain carries out, a facility used for the business and an environmental burden due to the business, financial product information that indicates a financial product for which the user included in the supply chain is a debtor and the money rate of the financial product based on the achievement state of target value of the environmental burden, and a calculation formula to calculate an economic value accruing from the business; determines a facility that would become the object of control, on the basis of the result of comparison of a cost when a money rate for the case where the target value based on the environmental burden indicated by the supply chain information and the financial product information has not been achieved is applied, with an economic value based on the calculation formula and the supply chain information; and generates a control message for the determined facility.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a financial product management system and a financial product management method. [Background technology]

[0002] In response to the societal trend toward decarbonization in order to realize a sustainable society, manufacturing, logistics, and other sectors in the supply chain are also working hard to reduce their environmental impact. For example, measures are being taken such as replacing and operating low-energy-consumption equipment, procuring fuels with low CO2 emissions, generating electricity from renewable energy, and using electric vehicles for delivery.

[0003] In response to this trend, financial institutions have announced loans (such as ESG (Environment Social Governance) bonds and Sustainability Linked Loans) with interest rates linked to environmental impact targets (such as CO2 emissions) in order to support the management of businesses that are actively promoting the introduction of equipment and operations necessary for these measures.

[0004] Also, while some companies conduct business based on economic efficiency, companies are expected to have a social purpose for the future, such as dealing with continuous cash flow and maintaining trust with business partners, rather than temporary profits. For this reason, some companies have set the goal of contributing to society, and after achieving a certain level of sales through production activities, these companies may prioritize investment in future business growth, stable business operations, and achieving set environmental impact targets.

[0005] Background of the present invention is JP 2022-14050 A (Patent Document 1). This publication states that "in a demand response control system, a control device is provided that performs demand adjustment by instructing a consumer via a communication network to adjust the amount of power consumption at the consumer that has been set in advance in response to a demand control request notified from a higher-level device via a communication network. The control device includes an information presentation unit configured to calculate an assessment amount of environmental value for each consumer based on the environmental value obtained by the demand adjustment at the consumer, and present the calculated amount to the consumer via the communication network" (see abstract). [Prior art documents] [Patent documents]

[0006] [Patent Document 1] Patent Publication No. 2022-14050 Summary of the Invention [Problem to be solved by the invention]

[0007] In the technology described in Patent Document 1, if a consumer also places importance on economic value different from environmental value, the consumer himself must decide the reduction amount based on economic rationality. In particular, the technology described in Patent Document 1 does not take into consideration loans with interest rates linked to target values ​​related to environmental loads, and if a consumer receives such a loan, the interest rate may fluctuate depending on the achievement status of the target values, which may cause disadvantages to the consumer.

[0008] In addition, in a supply chain, a product or service may be provided to a customer through procurement, production, processing, and other operations by a plurality of order-receiving users from an ordering user. However, the technology described in Patent Document 1 does not take into consideration the amount of reduction when such orders are placed and received.

[0009] Therefore, one aspect of the present invention is to control equipment to achieve both a reduction in environmental impact and economic value when a user in the supply chain has signed a contract for a financial product to which an interest rate linked to the environmental impact is applied. [Means for solving the problem]

[0010] In order to solve the above-mentioned problems, one embodiment of the present invention employs the following configuration: A financial product management system has a processor and a memory, and the memory holds supply chain information indicating the content of business carried out by users in a supply chain, the equipment used in the business, and the environmental load caused by the business, financial products for which users in the supply chain are debtors, financial product information indicating interest rates on the financial products when the target value of the environmental load by the users is achieved and when it is not achieved, and economic rationality information indicating an arithmetic expression for calculating economic value generated by carrying out the business, and the processor determines equipment that can be a control target based on a comparison result between the cost when the interest rate based on the environmental load indicated by the supply chain information and the financial product information is applied when the target value is not achieved, and the economic value based on the arithmetic expression and the supply chain information, and generates a control message for the determined equipment. Effect of the Invention

[0011] According to one aspect of the present invention, when a user in a supply chain enters into a financial product to which an interest rate linked to the environmental impact is applied, it is possible to control equipment in order to achieve both a reduction in environmental impact and economic value.

[0012] Problems, configurations and effects other than those described above will become apparent from the following description of the embodiments. [Brief description of the drawings]

[0013] [Figure 1] 1 is a block diagram showing an example of the configuration of a supply chain information-linked financial product management system according to a first embodiment. [Figure 2A]FIG. 2 is a diagram showing an example of the data configuration of financial product information in the first embodiment. [Figure 2B] FIG. 2 is a diagram showing an example of the data configuration of financial product information in the first embodiment. [Figure 3A] FIG. 4 is a diagram illustrating an example of a data configuration of supply chain information in the first embodiment. [Figure 3B] FIG. 4 is a diagram illustrating an example of a data configuration of supply chain information in the first embodiment. [Figure 3C] FIG. 4 is a diagram illustrating an example of a data configuration of supply chain information in the first embodiment. [Figure 4A] FIG. 4 is a diagram illustrating an example of a data configuration of economic rationality information in the first embodiment. [Figure 4B] FIG. 4 is a diagram illustrating an example of a data configuration of economic rationality information in the first embodiment. [Diagram 5] FIG. 4 is a diagram illustrating an example of a data configuration of equipment control information in the first embodiment. [Figure 6A] FIG. 4 is a sequence diagram illustrating an example of an entire process in the first embodiment. [Figure 6B] FIG. 4 is a sequence diagram illustrating an example of an entire process in the first embodiment. [Figure 7] 4 is a flowchart showing an example of a value evaluation and economic rationality trial calculation process in the first embodiment. [Figure 8] 11 is a flowchart showing an example of an accommodation process in the first embodiment. [Figure 9] 4 is a flowchart illustrating an example of an equipment control process in the first embodiment. [Figure 10] FIG. 13 is a diagram showing an example of a screen configuration of a lending processing screen in the first embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0014] Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings. In this embodiment, the same components are generally designated by the same reference numerals, and repeated explanations are omitted. Note that this embodiment is merely an example for realizing the present invention, and does not limit the technical scope of the present invention.

[0015] In this embodiment, an example will be described in which a manufacturing company in the supply chain is responsible for parts processing, sets a target value for environmental impact, and uses a financial product with an interest rate linked to the target value as a loan.

[0016] For example, the operations are performed in the order of financial contract, production and collection, packaging, and delivery. This embodiment is not limited to the example of manufacturing operations, but can also be applied to capital investment in business management, use of buildings and factory facilities, delivery operations, energy procurement, and the devices that operate them.

[0017] 1 is a block diagram showing an example of the configuration of a supply chain information-linked financial product management system 1. The supply chain information-linked financial product management system 1 is composed of a computer including a CPU (Central Processing Unit) 11, an input device 12, an output device 13, a memory 14, an auxiliary storage device 15, and a communication device 16, which are interconnected, for example, in compliance with internal wiring and bus standards. As the supply chain information-linked financial product management system 1, for example, a business computer, a PC (Personal Computer), and a general-purpose computer can be applied.

[0018] The CPU 11 includes a processor and executes programs stored in the memory 14. The memory 14 includes a ROM (Read Only Memory), which is a non-volatile storage element, and a RAM (Random Access Memory), which is a volatile storage element. The ROM stores immutable programs (e.g., a Basic Input / Output System (BIOS)). The RAM is a high-speed, volatile storage element such as a DRAM (Dynamic Random Access Memory), and temporarily stores programs executed by the CPU 11 and data used when the programs are executed.

[0019] The auxiliary storage device 15 is a large-capacity non-volatile storage device such as a magnetic storage device (HDD (Hard Disk Drive)) or a flash memory (SSD (Solid State Drive)), and stores the programs executed by the CPU 11 and data used when the programs are executed. That is, the programs are read from the auxiliary storage device 15, loaded into the memory 14, and executed by the CPU 11.

[0020] The input device 12 is a device such as a keyboard or a mouse that receives input from an operator. The output device 13 is a device such as a display device or a printer that outputs the results of program execution in a format that can be viewed by the operator.

[0021] The communication device 16 is a network interface device that controls communication with other devices according to a predetermined protocol. The communication device 16 may also include a serial interface such as a Universal Serial Bus (USB).

[0022] A part or all of the programs executed by CPU 11 may be provided to supply chain information-linked financial product management system 1 from a removable medium (CD-ROM, flash memory, etc.) which is a non-transitory storage medium or from an external computer equipped with a non-transitory storage device via a network, and stored in non-volatile auxiliary storage device 15 which is a non-transitory storage medium. For this reason, supply chain information-linked financial product management system 1 may have an interface for reading data from removable media. In addition, a part or all of the programs executed by CPU 11 may be configured independent of supply chain information-linked financial product management system 1, for example by being stored on the cloud.

[0023] The supply chain information-linked financial product management system 1 is a computer system configured on one physical computer, or on multiple logically or physically configured computers, and may operate in separate threads on the same computer, or may operate on a virtual computer constructed on multiple physical computer resources.

[0024] The memory 14 includes, for example, a registration management unit 21, an environmental load calculation unit 22, an equipment control unit 23, a supply chain cooperation management unit 24, an economic rationality estimation unit 25, and a credit management unit 26, each of which is a program.

[0025] The registration management unit 21 registers information related to users, information related to financial products, etc. The environmental load calculation unit 22 executes environmental load calculation processing, which will be described later. The equipment control unit 23 executes processing for controlling the production equipment 4. The supply chain cooperation management unit 24 executes processing such as generating information related to the supply chain. The economic rationality estimation unit 25 executes value evaluation and economic rationality estimation processing, which will be described later. The credit management unit 26 executes control right buying and selling processing, which will be described later.

[0026] For example, the CPU 11 realizes a registration management function by operating in accordance with a registration management unit 21, which is a program loaded into the memory 14, and realizes an environmental load calculation function by operating in accordance with an environmental load calculation unit 22, which is a program loaded into the memory 14. The same applies to the other programs included in the memory 14, and the relationships between the programs and the functions realized by the CPU 11.

[0027] Note that some or all of the functions realized by the programs contained in the memory 14 may be realized by hardware such as an Application Specific Integrated Circuit (ASIC) or a Field Programmable Gate Array (FPGA).

[0028] The auxiliary storage device 15 holds, for example, financial product information 31, supply chain information 32, equipment control information 33, and economic rationality information 34. The financial product information 31 includes information about financial products. The supply chain information 32 includes information about the supply chain. The equipment control information 33 includes information about the production equipment 4. The economic rationality information 34 includes information about the economic rationality of users in the supply chain.

[0029] In addition, some or all of the information stored in the auxiliary storage device 15 may be stored in the memory 14, or in an external database connected to the supply chain information-linked financial product management system 1.

[0030] In this embodiment, the information used by the supply chain information linked financial product management system 1 may be expressed in any data structure independent of the data structure. For example, the information may be stored in a data structure appropriately selected from a table, a list, a database, or a queue.

[0031] In addition, the supply chain information-linked financial product management system 1, the production management system 3, and the production equipment 4 are connected to each other via a network 2 such as the Internet. The production management system 3 includes, for example, a production plan and performance management unit 41 and an accommodation processing unit 42. The production plan and performance management unit 41 manages the performance of procurement, production, shipping, etc. of the manufacturing business of users in the supply chain. The accommodation processing unit 42 executes the accommodation processing described below.

[0032] The supply chain information linked financial product management system 1 may be connected to terminals such as smartphones and PCs owned by each user in the supply chain that can input and / or view data, via a network 2. Furthermore, a person in charge of a business partner of a user in the supply chain can input production plan conditions and information using the terminal. Furthermore, the terminal may also be connected to a terminal owned by a financial institution that registers financial products, via the network 2.

[0033] The users in the supply chain carry out operations such as contracts, production, shipping, and delivery related to the manufacturing operations, based on instructions from the production plan and performance management unit 41 of the production management system 3. The users in the supply chain may not only carry out the operations themselves, but also outsource the operations to their business partners, and order and receipt information for the operations may be shared via the production management system 3.

[0034] The production equipment 4 is equipment owned by a user in the supply chain who performs the business, such as equipment for metal press processing, heat treatment, and painting. The production equipment 4 is equipped with a production status measurement sensor 5 that measures and collects the status of the production work, such as the operating time and energy consumption of the production equipment 4, and performs measurements at all times.

[0035] In addition, the production equipment 4 has a communication function, and displays the status of work completion on a web page or the like, and transmits the measured values ​​obtained by the production status measuring sensor 5 to the production management system 3. This information can also be transmitted to the supply chain information linked financial product management system 1 via the network 2.

[0036] The production equipment 4 may be a computer equipped with a large display. In addition, a sensor for measuring position information such as a Global Positioning System (GPS) may be built into the production equipment 4. Hereinafter, the production equipment 4 will also be simply referred to as equipment.

[0037] 2A and 2B are diagrams showing an example of the data structure of financial product information 31. The financial product information 31 is, for example, information in which the table shown in Fig. 2A and the table shown in Fig. 2B are combined horizontally (that is, the financial product information 31 includes, for example, all the columns of the table shown in Fig. 2A and all the columns of the table shown in Fig. 2B).

[0038] The financial product information 31 is provided by financial institutions and manages financial products that manufacturers have contracted for by using each record. For example, each time a manufacturer, which is a debtor, contracts for a financial product, a record is added to the financial product information 31.

[0039] The financial product information 31 includes, for example, a financial product ID column 121, a financial product name column 122, a user ID column 123, a period column 124, an interest rate column 125, a target value column 126, a loan amount column 127, a status column 128, and a control rights trading performance column 129.

[0040] The financial product ID column 121 holds a financial product ID that identifies a financial product. The financial product name column 122 holds information indicating the name of the financial product. The user ID column 123 holds a user ID that identifies the user (manufacturer) who is the debtor (contract holder) of the financial product. The period column 124 holds information indicating the debt period of the financial product.

[0041] The interest rate column 125 holds information indicating the interest rate when the target is achieved and when the target is not achieved. The target value column 126 holds information indicating the item that is the target of the target linked to the interest rate and the target value. The target is defined, for example, as an index indicating environmental load. The loan amount column 127 holds information indicating the amount of the loan received by the user. The status column 128 holds information indicating the status indicating the current state and description of the item that is the target of the target. The control right trading history column 129 holds information indicating the trading history of the control right, such as the date on which the control right is traded, the price at which it is traded, the amount to be traded, and the buyer / seller at which it is traded.

[0042] Figures 3A, 3B, and 3C are diagrams showing an example of the data configuration of the supply chain information 32. The supply chain information 32 is information in which, for example, the table shown in Figure 3A, the table shown in Figure 3B, and the table shown in Figure 3C are combined horizontally (that is, the supply chain information 32 includes, for example, all the columns of the table shown in Figure 3A, all the columns of the table shown in Figure 3B, and all the columns of the table shown in Figure 3C).

[0043] The supply chain information 32 indicates information related to the order placement and receipt status within the supply chain, the work load, and the environmental load caused by supply chain operations. One supply chain operation that occurs within a supply chain is divided into one or more operations and is ordered and received within the supply chain. Each record in the supply chain information 32 corresponds to one order placement and receipt (one operation that is ordered and received) within the supply chain.

[0044] The supply chain information 32 includes, for example, a supply chain business ID column 131, an order receiving user ID column 132, a business classification column 133, a delivery date column 134, an order quantity column 135, a finished product inventory column 136, an estimated environmental impact column 137, an estimated profit unit price column 138, an ordering user ID column 139, a work period column 140, a work equipment column 141, an equipment operation time column 142, a parts and material type column 143, a parts and material inventory column 144, and a progress rate column 145.

[0045] The supply chain business ID column 131 holds a supply chain business ID that identifies a business in the supply chain. The order receiving user ID holds a user ID that identifies the order receiving user (company) of the business that has been ordered. The business classification column 133 holds information that indicates the classification of the business.

[0046] The delivery date column 134 holds information indicating the delivery date of the ordered work. The order quantity column 135 holds information indicating the number of orders for the ordered work. The finished product inventory column 136 indicates the number of finished products in stock held by the order-receiving user for the ordered work. The finished product inventory number can be considered as the surplus number of finished products that do not need to be manufactured for the ordered work by the order-receiving user.

[0047] The expected environmental load field 137 holds information indicating the expected environmental load (e.g., CO2 emissions) (due to the supply chain) when the ordered work is carried out. The expected profit unit price field 138 holds information indicating the unit price (e.g., unit price per delivered product) of the profit to the order receiving user that is expected to result from the completion of the work when the work is carried out. The ordering user ID field 139 holds a user ID that identifies the user (company) that ordered the work.

[0048] The work period column 140 holds information indicating the period required for the task. The work equipment column 141 holds information indicating the equipment required to perform the task. The equipment operation time column 142 holds information indicating the operation time of the work equipment when performing the task (the operation time required to produce one product). The parts / material type column 143 holds information indicating the type of parts or materials (e.g., parts or materials for the product to be manufactured) required when performing the task. The parts / material inventory column 144 holds information indicating the inventory held by the order receiving user of parts and materials required when performing the task. The progress rate column 145 holds information indicating the progress rate of the task (the number of tasks completed out of the number of orders).

[0049] Supply chain companies (users) have a hierarchical structure (tree structure) for ordering and receiving supply chain business. In other words, for one supply chain business, a top-level ordering user may place an order with one or more order-receiving users at a lower level, and the one or more order-receiving users may place an order with one or more users at an even lower level. Therefore, supply chain information 32 may include multiple records including the same supply chain business ID, and an ordering user in one record of supply chain information 32 may be an order-receiving user in another record including the same supply chain business ID as that record.

[0050] Therefore, for example, the hierarchical structure related to orders and receipts in supply chain operations can be identified by repeatedly performing a process of using the order receiving user ID of a record in supply chain information 32 as a key to search for the order origin user ID of a record that contains the same supply chain business ID as that record, or by repeatedly performing a process of using the order origin user ID of a record in supply chain information 32 as a key to search for the order origin user ID of a record that contains the same supply chain business ID as that record.

[0051] 4A and 4B are diagrams showing an example of the data configuration of the economic rationality information 34. The economic rationality information 34 is, for example, information in which the table shown in Fig. 4A and the table shown in Fig. 4B are combined horizontally (that is, the economic rationality information 34 includes, for example, all the columns of the table shown in Fig. 4A and all the columns of the table shown in Fig. 4B).

[0052] Each record of the economic rationality information 34 indicates a method of calculating economic rationality in a supply chain operation. The economic rationality information 34 includes, for example, an economic rationality ID field 151, a supply chain operation ID field 152, an operation classification field 153, an economic rationality calculation formula field 154, an explanation field 155, an inventory / time shift field 156, an equipment shift field 157, a material change field 158, a processing method change field 159, a tightness field 160, a control target field 161, and an economic rationality field 162.

[0053] The economic rationality ID field 151 holds an economic rationality ID for identifying a record of the economic rationality information 34. The supply chain business ID field 152 holds a supply chain business ID. The business classification field 153 holds information indicating the classification of the business.

[0054] The economic rationality formula field 154 holds information showing a formula (where the dependent variable y indicates economic rationality) for calculating the economic rationality of the operation (the economic value when the operation is performed). The explanation field 155 holds information showing an explanation of the formula. Specifically, for example, the explanation field 155 shows the definition of the independent variable x of the formula, the conditions for the calculation using the formula, etc.

[0055] The inventory / time shift field 156, the equipment shift field 157, the material change field 158, the processing method change field 159, and the pressure level field 160 each indicate parameters used in the calculation formula.

[0056] The 4Ms (Man, Machine, Material, Method) are known as four perspectives that affect operations in the manufacturing industry. The inventory / time shift field 156 holds information on the allocation of people by labor, which is an example of the Man-related means of the 4Ms, and the allocation of finished product inventory. The equipment shift field 157 holds information on equipment-related allocation, which is an example of the Machine-related means of the 4Ms. The material change field 158 holds information on material allocation, which is an example of the Material-related means of the 4Ms. The processing method change field 159 holds information on changes to processing methods, which is an example of the Method-related means of the 4Ms.

[0057] The pressure level column 160 holds information indicating the pressure level of a task. The pressure level is an index that, for example, increases as the workload of the task increases and increases as the number of days remaining until the deadline decreases. The control target column 161 holds a flag indicating whether the task is a control target. The economic rationality column 162 holds information indicating the value of estimated economic rationality.

[0058] 5 is a diagram showing an example of the data configuration of the equipment control information 33. The equipment control information 33 includes, for example, an equipment ID column 171, an address column 172, an economic rationality ID column 173, a control command column 174, a control amount column 175, and a condition column 176.

[0059] The equipment ID column 171 holds an equipment ID that identifies the production equipment 4 owned by the manufacturer. The address column 172 holds information indicating an address for accessing the production equipment 4. The economic rationality ID column 173 holds an economic rationality ID. The control command column 174 holds information indicating a control command for controlling the production equipment 4. The control amount column 175 holds information indicating the control amount for the production equipment 4. The condition column 176 holds information indicating the condition for controlling the production equipment 4.

[0060] 6A and 6B are sequence diagrams showing an example of the entire processing executed in this embodiment. First, the people (or organizations), systems, terminals, etc. involved in the processing will be described. A financial institution 101 registers information on financial products in the supply chain information-linked financial product management system 1 and acquires environmental impact information from the supply chain information-linked financial product management system 1 via an operation system 102. The financial institution 101 carries out operations related to credit and sales of financial products to debtors (manufacturers 105 described later) among supply chain companies.

[0061] A credit officer or a sales officer of the financial institution 101 inputs information about financial products and checks the display of information about debtors and environmental impacts via the operation system 102. The operation system 102 is, for example, a computer such as a PC. It is also possible for the debtor and the financial institution 101 to communicate with each other via this operation system 102.

[0062] The supply chain information-linked financial product management system 1 acts as an intermediary between financial institutions 101 and the production management systems 3 of supply chain companies, and performs tasks such as acquiring measurement information indicating the environmental impact of manufacturing operations, managing various information, performing the lending processing described below, and sending control commands for production equipment 4.

[0063] The manufacturer 105 undertakes manufacturing operations for supply chain companies and receives financial products linked to environmental load as debt from financial institutions. Note that, in this embodiment, the manufacturer 105 is a company that actually carries out manufacturing operations, but it may also be a head office department or a holding company that outsources and coordinates manufacturing (in this case, for example, a supply chain company lower down the chain than the manufacturer 105 carries out manufacturing operations).

[0064] Manufacturer 106 is, for example, a subcontractor that performs work (e.g., manufacturing work such as processing parts) ordered from manufacturer 105. Manufacturer 107 is, for example, a further subcontractor (e.g., a subcontractor) that undertakes work from manufacturer 106. In other words, manufacturers 105, 106, and 107 are included in one supply chain. Note that if there is a further business relationship within the supply chain, the supply chain includes further subcontractors.

[0065] Furthermore, each of the manufacturers 105, 106, and 107 has an ERP (Enterprise Resources Planning) and EDI (Electronic Data Interchange) system 108, etc., for managing the business operations that the manufacturer has received or placed and managing the inventory that the manufacturer has. The manufacturer 105, 106, and 107 can link with the production management system 3 by inputting information showing the progress of business operations and transaction status via the EDI system 108, etc.

[0066] Next, the process to be executed will be described. In response to an input from the financial institution 101, the operation system 102 transmits information on financial products to the supply chain information linked financial product management system 1 to request the registration of the information on the financial products, or requests the provision of the financial products to the manufacturer 105, which is the debtor (S200).

[0067] The supply chain information linked financial product management system 1 executes the processes of steps S201 to S208 shown below. The registration management unit 21 receives information input via a device owned by each user, and executes user registration by generating (or updating) user information 30 according to the received information (S201).

[0068] 1, the user information 30 is stored, for example, in the auxiliary storage device 15. The user information 30 is, for example, a table for managing information on users who access the supply chain information-linked financial product management system 1.

[0069] Specifically, for example, the user information 30 holds information on each of the financial institution 101, the manufacturer 105, the manufacturer 106, and the manufacturer 107 (each of which is an example of a user). Each record of the user information 30 includes, for example, a user ID, a user name, an organization to which the user belongs, a user classification (e.g., a creditor, a debtor, etc.), a user's industry, a user's access rights, a user's contact information, and connection information with the ERP, EDI system, and production management system 3 owned by the user (illustration of the data configuration of the user information 30 is omitted).

[0070] The registration management unit 21 registers the information received in step S200 in the financial product information 31, and manages financial products in response to the request for provision of the financial products received in step S200 (S202).

[0071] In step S202, the registration management unit 21 periodically (for example, monthly) updates the item value of the target indicated in the status column 128 of the financial product information 31 based on a value calculated in the supply chain cooperation management process in step S203 described below. The registration management unit 21 also determines whether the item value in the status column 128 exceeds the target value in the target value column 126 (whether the target has been achieved) and stores the determination result in the status column 128. In accordance with the determination result, the registration management unit 21 determines whether to adopt the interest rate indicated in the interest rate column 125 when the target is achieved or when the target is not achieved.

[0072] For example, in the record with the financial product ID "F01" in the example of financial product information 31 in Figures 2A and 2B, the emission amount "2.7 kg" is stored in the status column 128, and since "2.7" kg does not exceed the "2,000 kg" indicated in the target value column 126, the state "within range" is stored in the status column 128, and further, the interest rate of "2.0% / year" when the target is achieved, as indicated in the interest rate column 125, is adopted.

[0073] The EDI system 108 owned by each of the manufacturers 105 to 107 executes an EDI system linkage process (S221) for acquiring various information stored in the supply chain information 32 and the economic rationality information 34, and transmits the acquired information to the production management system 3. Note that in step S221, each of the EDI systems 108 may acquire the information by inputting the information via an input device, or may automatically acquire the information from the production equipment 4 or the production status measurement sensor 5.

[0074] The production plan and performance management unit 41 of the production management system 3 executes a production plan and performance management process (S211) using the information received from the EDI system 108, and transmits the information stored in the supply chain information 32 and the economic rationality information 34 to the supply chain information-linked financial product management system 1. In step S211, the production plan and performance management unit 41 executes a process of consolidating the information of each of the manufacturers 105-107 by supply chain, as necessary, and then transmits the information to the supply chain information-linked financial product management system 1.

[0075] The supply chain cooperation management unit 24 executes a supply chain cooperation management process (S203). In step S203, the supply chain cooperation management unit 24 registers or updates the supply chain information 32 in accordance with the information received from the production management system 3.

[0076] The supply chain cooperation management unit 24 calculates the emission amount for each supply chain operation based on the value of the expected environmental load column 137 and the value of the progress rate column 145 of the supply chain information 32. For example, in the record of the supply chain operation ID "SC01" in the supply chain information 32 of FIG. 3A, FIG. 3B, and FIG. 3C, the expected environmental load in the supply chain is "3 kg" and the progress rate is "90%". Therefore, the supply chain cooperation management unit 24 calculates 3 kg x 90% = 2.7 kg as the emission amount in the supply chain of the supply chain operation ID "SC01" of the order receiving user ID "U001". In the above-mentioned step S202, the registration management unit 21 stores "2.7 kg" as the emission amount in the supply chain in the status column 128 of the financial product information 31 of the user ID "U001". In addition, when the same user is an order receiving user of multiple supply chain operations, for example, the total value of the emission amount in the multiple supply chain operations (and / or the emission amount of each operation) is stored in the status column 128 of the user.

[0077] For example, the supply chain cooperation management unit 24 may receive information indicating the production volume (business volume) of each order receiving user from the production management system 3, and calculate the progress rate corresponding to the order from the production volume and the number of orders. For example, in the record with the supply chain business ID "SC01" in the supply chain information 32 in Figures 3A, 3B, and 3C, information has been received indicating that the production of "90" has already been completed for the number of orders "100" indicated in the number of orders column 135, so "90%" is stored in the progress rate column 145.

[0078] Next, the environmental load calculation unit 22 executes an environmental load calculation process (S204). In step S204, the environmental load calculation unit 22 calculates a controllable limit for each record (each order) of the supply chain information 32. Specifically, for example, the environmental load calculation unit 22 calculates a value obtained by multiplying the value indicated in the assumed environmental load column 137 by the remaining task ratio (100%-progress rate) for each record as the controllable limit. For example, in the order indicated by the top record with the supply chain task ID "SC01" in the supply chain information 32 in Figures 3A, 3B, and 3C, the controllable limit is "0.3 kg", which is 10% (=100%-progress rate 90%) of the assumed environmental load "3 kg".

[0079] In the above example, the information indicating the estimated environmental load is received from the production management system 3 in step S203. However, the environmental load calculation unit 22 may calculate the estimated environmental load in step S204 and store the calculated estimated environmental load in the supply chain information 32. For example, it is assumed that the amount of CO2 emission per power consumption and the power consumption of each piece of work equipment are determined in advance. For example, in the order indicated by the top record with the supply chain business ID "SC01" in the supply chain information 32 in Figs. 3A, 3B, and 3C, "press processing equipment A" is used for "2 hours". If the amount of CO2 emission per kWh of power consumption is 0.4 kg and the power consumption of press processing equipment A is 3.75 kWh, then 3.75 kWh x 2 hours x 0.4 = 3 kg is calculated as the estimated environmental load.

[0080] Next, the economic rationality estimation unit 25 executes a value evaluation and economic rationality estimation process (S205).

[0081] 7 is a flowchart showing an example of the value evaluation and economic rationality estimation process in step S205. The economic rationality estimation unit 25 selects one supply chain business ID included in the supply chain information 32 that is to be evaluated and has not been selected (S701). The supply chain business ID to be evaluated is determined in advance, and some supply chain business IDs may be evaluated, or all supply chain business IDs may be evaluated. For example, in step S701, the economic rationality estimation unit 25 selects the supply chain business ID "SC01".

[0082] The economic rationality estimation unit 25 acquires information on the economic rationality calculation formula included in the record corresponding to the supply chain business ID selected in step S701 from the economic rationality information 34 (S702). Specifically, for example, the economic rationality estimation unit 25 acquires, as information on the economic rationality calculation formula, the economic rationality ID, the supply chain business ID, the business classification, the economic rationality calculation formula, the explanation, and parameters of the economic rationality calculation formula (those for which values ​​have been obtained among inventory / time shift, equipment shift, and tightness) from the economic rationality information 34.

[0083] For example, if the supply chain business ID "SC01" is selected in step S701, in step S702, the economic rationality estimation unit 25 acquires from the economic rationality information 34 the economic rationality ID "E01", the supply chain business ID "SC01", the business classification "manufacturing", the economic rationality calculation formula "y=ax-b", the explanation "preferentially utilize owned inventory, x is used as the inventory amount variable", the inventory / time shift "inventory first out a=30", and the equipment shift "delivery cost b=30".

[0084] The economic rationality formula is expressed as a linear function "y=ax-b", where y is economic rationality, the independent variable x indicates the amount of stock used, the constant a indicates the profit gained by using one unit of stock, and the constant b indicates the additional cost incurred (the cost of delivering the stock). Since the order-receiving user prioritizes the use of the stock, there is no need to carry out manufacturing work, and the environmental load that would have been discharged is reduced by not operating the production equipment. The economic rationality formula "y=ax-b" indicates the profit gained by no longer needing to carry out manufacturing work.

[0085] As will be described in more detail later, a judgment of economic rationality will be made by comparing the costs of interest rates rising without reducing the environmental impact (due to the target not being achieved) with the amount of money lost by reducing the environmental impact and stopping or shifting manufacturing operations.

[0086] Note that the economic rationality information 34 in Figures 4A and 4B includes multiple (two) records with the supply chain business ID "SC01", but in step S702, for example, the value of the record in which the value of y in the economic rationality arithmetic formula is dominant (for example, smaller) may be obtained from the multiple records, or the multiple records may be presented to a user of the supply chain information-linked financial product management system 1 (displayed on the output device 13), and the record to be obtained may be determined by input from the user.

[0087] The economic rationality calculation unit 25 acquires information regarding the production status (e.g., all items shown in Figures 3A, 3B, and 3C) contained in each record corresponding to the supply chain business ID selected in step S701 from the supply chain information 32 (S703).

[0088] For example, if the supply chain business ID "SC01" is selected in step S701, in step S703, the economic rationality calculation unit 25 obtains from the supply chain information 32 the supply chain business ID "SC01", order user ID "U001", business classification "manufacturing", delivery date "April 1, 2022", order quantity "100", finished product inventory "200", expected environmental load "3 kg", expected profit unit price "100", ordering user ID "U321", work period "-April 11, 2022", work equipment "press processing equipment A", equipment operating time "2 hours", material type "metal aluminum U-shape", parts / materials inventory "1000", and progress rate "90%".

[0089] As shown in step S222 in FIG. 6B, the EDI system 108 acquires information relating to the above-mentioned production status from the production equipment 4 and the production status measurement sensor 5, and executes an EDI system linkage process to transmit the acquired information to the supply chain information-linked financial product management system 1, and in step S703, the economic rationality calculation unit 25 may update the supply chain information 32 with the received information relating to the production status.

[0090] The economic rationality estimation unit 25 uses the information acquired in step S702 (if multiple supply chain business IDs are selected, the total value of the records of the corresponding supply chain business IDs may be used) to estimate the value of economic rationality, and stores it together with the calculation date in the economic rationality column 162 (S704). For example, if the supply chain business ID "SC01" is selected in step S701, in step S704, the economic rationality estimation unit 25 calculates y=ax-b=30*10-30=270 (yen) as the value of economic rationality.

[0091] The economic rationality estimation unit 25 compares the value of economic rationality calculated in step S704 with the cost when the target is not achieved (S705). For example, when the supply chain business ID "SC01" is selected in step S701, the economic rationality estimation unit 25 calculates the cost when the target is not achieved as follows in step S705: (assumed environmental load 3 kg x (1 - progress rate 90%) / target value 2,000 kg) / loan amount 10 million yen x annual interest rate 2.0% / year = 30 yen. In addition, since the progress rate is 90% for the number of orders received of 100 units, the remaining required number of products to be manufactured is 100 x (1 - progress rate 90%) = 10 units, and the cost per product due to the increase in interest rate is 3 yen.

[0092] The above-mentioned economic rationality value is y=270 yen, and the cost per product due to an interest rate hike is 3 yen. In other words, the value of economic rationality is greater than the cost. Therefore, in the processing of step S707 described below, the economic rationality estimation unit 25 stores "1" and an adaptable amount of 0.3 kg (estimated environmental load 3 kg × remaining progress rate (1-90%)) in the control target column 161 corresponding to the economic rationality ID "E01" in the economic rationality information 34.

[0093] In the above example, it is assumed that the interest rate on the loan amount is expressed as an annual interest rate, and the target value is also expressed as an annual figure. If the unit period of the interest rate differs from the unit period of the target value, the unit periods must be the same. For example, in cases where only the environmental load caused by direct work affects the interest rate (there are also cases where indirect work and emissions from operations such as transportation also affect the interest rate), the interest rate per direct work is calculated as follows: number of work days 10 / 365 days * annual interest rate 4% = 0.0011%.

[0094] The economic rationality estimation unit 25 determines whether or not all supply chain business IDs to be evaluated that are included in the supply chain information 32 have been selected (S706). When the economic rationality estimation unit 25 determines that there is an unselected supply chain business ID among the supply chain business IDs (S706: NO), the process returns to step S701.

[0095] If the economic rationality estimation unit 25 determines that any of the supply chain business IDs remain unselected (S706: NO), it reflects the comparison result in the economic rationality information 34 (S707) and terminates the value evaluation and economic rationality estimation process. In step S707, for example, the economic rationality estimation unit 25 stores "1" in the control target column 161 corresponding to the economic rationality ID in the economic rationality information 34 for an economic rationality ID determined that the economic rationality value calculated in step S704 is greater than the cost when the target is not achieved.

[0096] In addition, the degree of pressure c may be taken into consideration, such as the economic rationality formula "y=(ax-b)×(-c)" in the record with the economic rationality ID "E02" in the economic rationality information 34 in FIG. 4A and FIG. 4B. In this economic rationality formula, the higher the degree of pressure, the lower the economic rationality. In the manufacturing industry, due to a shortage of parts, personnel allocation, and changes in delivery dates due to requests from other facilities or customers, revenues may change from the initial forecast, and these circumstances can be reflected by incorporating the degree of pressure into the formula. As described above, the degree of pressure c is an index that, for example, increases the amount of work in a business and increases the number of days remaining until the delivery date.

[0097] For example, the value of the pressure level c may be directly given by the EDI system linkage, or may be calculated by the economic rationality estimation unit 25 based on the remaining amount of work and the remaining number of days until delivery. An example will be described in which the economic rationality estimation unit 25 calculates the pressure level c of the supply chain business of "SC01" in the supply chain information 32 of FIG. 3A, FIG. 3B, and FIG. 3C. For example, since the progress rate is 90% for the number of orders for the supply chain business of 100 pieces, the equipment operation time required to produce the remaining 100×(1-90%)=10 products is 2 hours×10=20 hours. If the delivery date is April 11, 2022, and the current date and time is April 7, 2022, the number of days available for work is 3 days (21 hours). In this case, the pressure level c is 0.95, which is the value obtained by dividing the equipment operation time required to produce the remaining 10 products, which is 20 hours, by the number of days available for work, which is 21 hours.

[0098] Returning to the explanation of Figures 6A and 6B, the supply chain information-linked financial product management system 1 and the production management system 3 then execute an accommodation process (S206). In addition, the production management system 3 transmits an accommodation plan based on the result of the accommodation process to each of the EDI systems 8, and each of the EDI systems 8 executes an EDI system linkage process to control the production equipment 4 according to the accommodation plan (S223).

[0099] FIG. 8 is a flow chart showing an example of the accommodation process. In the following description, the supply chain cooperation management unit 24 included in the supply chain information-linked financial product management system 1 performs the accommodation process, but the accommodation processing unit 42 included in the production management system 3 may perform the accommodation process (after acquiring information required for the accommodation process from the supply chain information-linked financial product management system 1). The supply chain cooperation management unit 24 selects one unselected supply chain business ID that is in a record in which "1" is stored in the control target column 161 of the economic rationality information 34 (S801). In the example of the economic rationality information 34 in FIG. 4A and FIG. 4B, for example, the supply chain business ID "SC01" is selected in step S801.

[0100] The supply chain cooperation management unit 24 identifies the order-receiving relationship of the business of the supply chain business ID identified in step S801 (S802). Specifically, for example, the supply chain cooperation management unit 24 acquires all records including the supply chain business ID selected in step S801 from the supply chain information 32. The supply chain cooperation management unit 24 identifies the hierarchical structure (tree structure) of orders and receipts in the supply chain business by tracing the order source user ID and the order source user among the acquired records. In addition, the supply chain cooperation management unit 24 refers to the financial product information 31 to identify users who are debtors among the users involved in the order-receiving relationship.

[0101] The supply chain cooperation management unit 24 calculates the flexible quota between the order-senders and order-takers identified in step S802 in the supply chain operation selected in step S801 (S803). Specifically, for example, the supply chain cooperation management unit 24 acquires the values ​​of the expected environmental load column 137 for the supply chain operation IDs of all trees with the supply chain operation ID selected in step S801 as the top (i.e., the environmental load when the operation is performed). If the supply chain operation ID "SC01" is selected in step S801, in the examples of Figs. 3A, 3B, and 3C, the expected environmental load corresponding to "SC01" is "3 kg", and the maximum flexible amount when the operation of "SC01" is not performed is 3 kg. Note that since the progress rate corresponding to "SC01" is 90% (i.e., 10% of the work is not completed), 3 kg x 10% = 0.3 kg is set as the flexible quota. When there are multiple controlled operations, the flexible quota is calculated as the sum of these values.

[0102] The supply chain cooperation management unit 24 determines whether all the supply chain business IDs to be controlled have been selected (S804). When the supply chain cooperation management unit 24 determines that there is an unselected supply chain business ID among the supply chain business IDs to be controlled (S804: NO), the supply chain cooperation management unit 24 returns to step S801.

[0103] When the supply chain cooperation management unit 24 determines that all supply chain business IDs to be controlled have been selected (S804: YES), it sets information regarding the accommodation (S805) and ends the accommodation process. In step S805, for example, the supply chain cooperation management unit 24 stores "1", which is a flag indicating that the supply chain business ID is a control target, in the control target column 161 corresponding to each supply chain business ID selected in step S801 in the economic rationality information 34, and stores the accommodation limit calculated in step S803. Note that accommodation based on the accommodation limit is performed, for example, via an accommodation processing screen in FIG. 10, which will be described later.

[0104] Returning to the description of Figures 6A and 6B, the claim management unit 26 then executes the control right buying and selling process (S207). Specifically, for example, the following procedures and processes are executed in step S207.

[0105] Financial institution 101 determines the financial product that will be the subject of the control right sale and purchase, indicates to financial institution's 101 business partners (e.g., investors, etc.) that the control right can be sold to a third party, and enters into a control right sale contract between financial institution 101 and the business partner (financial institution 101 is the seller of control right, and the business partner is the buyer of control right).

[0106] The receivables management unit 26 acquires the financial product ID of the financial product, for example, via an input to the operation system 102 from a person in charge of the financial institution 101, and identifies the target of control (control right) from the financial product information 31 based on the user ID corresponding to the acquired financial product ID. Specifically, the receivables management unit 26 identifies the supply chain business ID of a record that includes the user ID as an order receiving user or an order source user from the supply chain information 32, and extracts, as the control target, from the economic rationality information 34, a record that corresponds to the identified supply chain business ID and has "1" stored in the control target column 161.

[0107] The claim management unit 26 identifies the economic rationality ID of the extracted record, and identifies the control amount corresponding to the identified economic rationality ID from the equipment control information 33. The claim management unit 26 stores the identified control amount as a trading amount in the control right buying and selling results column 129 corresponding to the financial product ID of the financial product information 31.

[0108] In addition, the receivables management unit 26 obtains the date on which the sales contract was made and the name of the trading partner through input from the financial institution 101's staff into the operation system 102, and stores this in the control rights sales record column 129 corresponding to the financial product ID in the financial product information 31.

[0109] Furthermore, the claim management unit 26 stores the control right transaction price in the control right buying and selling record column 129 corresponding to the financial product ID in the financial product information 31. For example, the claim management unit 26 calculates the control right transaction price based on the control amount. Specifically, for example, the claim management unit 26 sets the control right transaction price for the control amount (control ID) according to an instruction from the seller of the control right, presents it to the buyer, and when it receives a notice from the buyer to purchase the control right at the control right transaction price, the control right transaction price is determined. Furthermore, the control right transaction price may be determined in price negotiations between the financial institution 101 and the trading partner, or may be determined by another system.

[0110] In the above example, the financial institution 101 sells the control right to a third party, a trading partner. However, the control right may be sold to an even further trading partner of the trading partner through the intermediation of a securities company. In such a case, the trading history is stored in the control right trading record column 129.

[0111] Next, the equipment control unit 23 executes an equipment control process (S208).

[0112] 9 is a flowchart showing an example of equipment control processing. The equipment control unit 23 selects one unselected economic rationality ID included in a record in which a control target flag "1" is stored from the economic rationality information 34, and acquires a record including the selected economic rationality ID from the equipment control information 33 (S901).

[0113] The equipment control unit 23 acquires a control command (indicating a control method set for each equipment) from the selected record (S902). The control command column 174 of the equipment control information 33 stores a control command for reducing the environmental load (for example, reducing or eliminating CO2 emissions). Turning off the equipment, PowerDown (reducing the operating output), low operation, and intermittent operation are all examples of control commands.

[0114] The equipment control unit 23 determines the control amount of the selected equipment (S903). For example, in the economic rationality information 34 of FIG. 4A and FIG. 4B, the flag "1" is stored in the control target column 161 of the record of the economic rationality ID "E01", and the record includes the supply chain business ID "SC01". In the record of the supply chain business ID "SC01" in the supply chain information 32 of FIG. 3A, FIG. 3B, and FIG. 3C, the equipment operation time is 2 hours, and the progress rate is 90%, so that the control of 2 hours × (1-90%) = 12 minutes is performed. Therefore, in this example, the equipment control unit 23 stores "12 minutes" in the control amount column 175 of the record of the economic rationality ID "E01" of the equipment control information 33 of FIG. 6.

[0115] Equipment control unit 23 generates a control message for the selected equipment, and transmits the generated control message to the address in address field 172 that corresponds to the selected equipment (S904).

[0116] A method of generating a control message for equipment with equipment ID "3" in the equipment control information 33 in Fig. 5 will be described. The equipment control unit 23 generates a control message converted into a URL (Uniform Resource Locator) such as "http: / / xxxx / Device / 00032 / date_time=10:00-10:12&command=off" based on the address indicated in the address field 172 in order to turn OFF (control command) for 12 minutes (control amount) on April 10, 2022 (the date indicated in the economic rationality field 162 with the economic rationality ID "E01" in the economic rationality information 34 in Figs. 4A and 4B) (however, this is performed at the time specified as "10:00-10:12" indicated in the condition field 176). The time specification of "10:00-10:12" indicated in the condition column 176 is determined, for example, by "12 min" indicated in the control amount column 175 and "10:00", which is the control start time specified by the user who owns the equipment.

[0117] The equipment control unit 23 determines whether or not all economic rationality IDs included in the records in which the control target flag "1" is stored in the economic rationality information 34 have been selected (S905). When the equipment control unit 23 determines that there is an unselected economic rationality ID included in the records in which the control target flag "1" is stored in the economic rationality information 34 (S905: NO), the equipment control unit 23 returns to step S901.

[0118] If the equipment control unit 23 determines that all economic rationality IDs included in records in which the flag "1" for the control object is stored in the economic rationality information 34 have been selected (S905: YES), it registers the control execution result (S906) and terminates the equipment control processing.

[0119] In step S906, when the equipment control unit 23 receives a response indicating that the equipment control indicated by the control message has been executed, the time of execution, and the executed control from the production management system 3 or the EDI system 108, the equipment control unit 23 identifies the economic rationality ID corresponding to the equipment in the equipment control information 33, changes the value of the flag in the control target column 161 corresponding to the identified economic rationality ID in the economic rationality information 34 to "0", and stores a log indicating the execution time and the executed control indicated by the response in the control target column 161. The equipment control unit 23 also overwrites a similar message in the production management system 3 (for example, it is assumed that the supply chain information-linked financial product management system 1 shares information indicating the control target and the control amount with the production management system 3).

[0120] In step S903, the equipment control unit 23 executes a process of determining supply chain operations that can be subject to control based on the target value of the environmental load, the actual amount of emissions, and the predicted amount of emissions for the remaining number of days.

[0121] Specifically, for example, the following process is performed. The equipment control unit 23 selects one record in which a flag "1" is stored in the control target column 161 of the economic rationality information 34 (the priority of selecting a record is, for example, the record with the largest value in the economic rationality column 162 is selected in descending order). For example, the equipment control unit 23 selects a record with an economic rationality ID of "E01" in the economic rationality information 34 of Figs. 4A and 4B. The equipment control unit 23 identifies the supply chain business ID "SC01" indicated by the record, and identifies the order receiving user ID "U001" of the record with the supply chain business ID "SC01" in the supply chain information 32 of Figs. 3A and 3B. Furthermore, the equipment control unit 23 identifies a record including the order receiving user ID "U001" as a user ID (debtor) from the financial product information 31 of Figs. 2A and 2B.

[0122] In the record with the financial product ID "F01" in the financial product information 31 in Figures 2A and 2B, the target value is "2000 kg", the status in the record indicates that the emissions as of "April 1, 2022" are "2.7 kg", the start date of the period in the record is "March 22, 2022" and the end date is "March 31, 2024".

[0123] In other words, since the emission amount for the 10 days from the start date, "March 22, 2022", to "April 1, 2022", indicated by the status, is "2.7 kg", the equipment control unit 23 calculates the emission amount per day as 2.7 kg / 10 = 0.27 kg.

[0124] Furthermore, the equipment control unit 23 acquires the current date and time. Here, for example, the current date and time is assumed to be "October 1, 2022". The equipment control unit 23 calculates 548 days, which is the remaining number of days from the current date and time "October 1, 2022" to the end date of the period "March 31, 2024". The equipment control unit 23 calculates the remaining number of days 548 days x the amount of emission per day 0.27 kg = 147.96 kg. Since the amount of emission of 147.96 kg to be emitted by the remaining number of days is smaller than the target value "2000 kg", the equipment control unit 23 determines that the business of the supply chain business ID "SC01" corresponding to the economic rationality ID "E01" can be controlled.

[0125] The equipment control unit 23 executes the above-mentioned process for each record in which the flag "1" is stored in the control target column 161 of the economic rationality information 34 (as long as the CO2 emissions do not exceed the target value).

[0126] Furthermore, in step S903, the equipment control unit 23 may perform, for example, the following process as a process for determining a supply chain operation that may be a control target. In the record of the financial product information 31 in Figs. 2A and 2B with the financial product ID "F01", the target value is "2000 kg", and the user ID indicated by the record is "U001". In the supply chain information 32, the supply chain operation ID of the record that includes the user ID "U001" as an order receiving user is "SC01", and the expected environmental load indicated by the record is "3 kg", so when the supply chain operation of "SC01" is completed, 3 kg of CO2 will be emitted.

[0127] In other words, if the number of work days for the supply chain operations of "SC01" is 10 days, 30 kg / 10 days = 3 kg / day of CO2 will be emitted. Therefore, if the assumed environmental load described above is maintained, CO2 emissions will exceed the target value only after 666.666 days (the target value of 2000 kg divided by 3 kg / day) have passed since the start of work.

[0128] In addition, the loan period of the financial product ID "F01" is from "March 11, 2022" to "March 31, 2024", and if the current date is April 7, 2022, the number of remaining days at the end of the loan period is 724 days. Here, 724-666.666=57.344. In other words, there is a grace period of 57 days or more from the time when the supply chain operations of "SC01" are executed every day and the CO2 emissions exceed the target value until the end of the loan period. In this way, if the difference obtained by subtracting the number of days until the CO2 emissions exceed the target value from the number of remaining days at the end of the loan period is a positive value, it is determined that there is a record of a supply chain operation ID with high economic rationality and that the operation will be repeatedly executed.

[0129] The above-mentioned repeated judgment is performed in order of the supply chain business IDs in the economic rationality information 34, starting from the one having the largest value in the economic rationality after interest rate comparison column 162, until the above-mentioned condition for the judgment is satisfied.

[0130] In addition, if the environmental impact target is not achieved even after the lending process and the facility control process are carried out, the higher interest rate for when the target is not achieved will be applied in principle. However, the debtor of the financial product can apply the lower interest rate for when the target is achieved by consulting with a financial institution or purchasing emission credits from a business partner or lender.

[0131] 10 is a diagram showing an example of the screen configuration of the lending process screen. When the lending process of step S206 is performed, the lending process screen 1000 is displayed on the EDI system 108 of each manufacturer (which may be only the manufacturers who are debtors, or may be only the manufacturers at the top of the tree structure of the supply chain) by the EDI system linkage process of step S223.

[0132] The loan processing screen 1000 includes, for example, a loan remaining number display area 1001 , a loan available list display area 1002 , a request content display area 1003 , a request execution button 1004 , and a cancel button 1005 .

[0133] The remaining loan amount display area 1001 displays a display frame of the remaining loan amount calculated from the target value of the environmental load stipulated for the financial product. In the example of Fig. 10, the remaining loan amount display area 1001 shows that the remaining loan amount of CO2 emissions is 32.2 kg, and that the expected excess of CO2 emissions (from the target value) when the ordered work is completed will be 0.02 kg. Note that, for example, the remaining loan amount and the expected excess may be calculated in conjunction with the calculation of the available loan amount in step S803.

[0134] A list of users in the supply chain who can lend environmental loads is shown as a flow (orders are placed in the supply chain from left to right) in the available lending list display area 1002. In the example of Fig. 10, the available lending list display area 1002 lists information on each available user as a business operator, such as the company name, department in charge, business content, and person in charge's name, as well as the available lending limit and response (for example, the production equipment used for the work to be lent, and the business classification and delivery date of the work to be lent, etc.).

[0135] When one of the users displayed in the available loan list display area 1002 is selected, the request content display area 1003 displays the request content regarding the loan of environmental load to the selected user (for example, the control amount and conditions of the equipment owned by the selected user indicated by the equipment control information 33 (the correspondence between the equipment and the user who owns the equipment is determined in advance)). For example, the request content including the date, the date and time, the loan item, and the process for the loan is displayed.

[0136] When one of the users displayed in the available loan list display area 1002 is selected and the request details are displayed in the request details display area 1003, when a request execution button 1004 is selected, the request details are sent to the selected user. When a cancel button 1005 is selected, for example, the loan processing screen 1000 is closed.

[0137] As described above, the supply chain information-linked financial product management system 1 of this embodiment determines the equipment that can be controlled based on the results of a comparison between the economic rationality value of users in the supply chain and the cost of financial products linked to environmental load not achieving their targets, thereby making an economically rational judgment for the user.

[0138] In addition, the supply chain information-linked financial product management system 1 allows users in the supply chain to cooperate with each other to accommodate environmental loads, thereby enabling the debtor user to achieve the target environmental load, thereby reducing the environmental load and enabling the application of a low interest rate when the target is achieved.

[0139] The present invention is not limited to the above-mentioned embodiment, and various modifications are included. For example, the above-mentioned embodiment has been described in detail to clearly explain the present invention, and is not necessarily limited to those having all the configurations described. It is also possible to replace a part of the configuration of one embodiment with the configuration of another embodiment, and it is also possible to add the configuration of another embodiment to the configuration of one embodiment. It is also possible to add, delete, or replace a part of the configuration of each embodiment with another configuration.

[0140] In addition, the above-mentioned configurations, functions, processing units, processing means, etc. may be realized in part or in whole by hardware, for example, by designing them as integrated circuits. In addition, the above-mentioned configurations, functions, etc. may be realized in software by a processor interpreting and executing a program that realizes each function. Information such as the program, table, file, etc. that realizes each function can be stored in a memory, a recording device such as a hard disk or SSD (Solid State Drive), or a recording medium such as an IC card, SD card, or DVD.

[0141] In addition, the control lines and information lines shown are those that are considered necessary for the explanation, and not all control lines and information lines in the product are necessarily shown. In reality, it can be considered that almost all components are connected to each other. [Explanation of symbols]

[0142] 1 Supply chain information linked financial product management system, 22 Environmental load calculation unit, 23 Equipment control unit, 24 Supply chain cooperation management unit, 25 Economic rationality estimation unit, 31 Financial product information, 32 Supply chain information, 33 Equipment control information, 34 Economic rationality information, 1000 Conversion processing screen

Claims

1. A financial product management system, comprising: A processor and a memory, The memory includes: supply chain information indicating the content of business operations performed by users in the supply chain, the equipment used in the business operations, and the environmental impacts of the business operations; Financial product information indicating financial products for which users included in the supply chain are debtors, and interest rates on the financial products when the users achieve and fail to achieve their environmental impact targets; economic rationality information indicating an arithmetic formula for calculating the economic value generated by carrying out the business; The processor, determining equipment that may be subject to control based on a comparison result between a cost when an interest rate is applied when the target value is not achieved, which is based on the environmental load indicated by the supply chain information and the financial product information, and the economic value based on the calculation formula and the supply chain information; A financial product management system that generates a control message for the determined facility.

2. 2. The financial product management system according to claim 1, the supply chain information indicates at least one of an operating time of the equipment in the business, a type of material required for the business, an inventory amount of the material in the business, and an inventory amount of the finished product in the business; The processor calculates the economic value by substituting the at least one of the factors into the arithmetic expression.

3. 2. The financial product management system according to claim 1, The memory holds equipment control information indicating a control command for each piece of equipment, The supply chain information indicates an operation time of the equipment in the business and a progress rate of the business, The processor, With reference to the supply chain information, the operation time of the determined equipment and the progress rate are acquired; determining a control amount of the equipment based on the acquired operating time and the progress rate; A financial product management system that includes in the control message the determined control amount and a control command for the determined equipment indicated by the equipment control information.

4. 2. The financial product management system according to claim 1, the supply chain information indicates a progress rate of the work and a relationship between orders and receipts of the work of users included in the supply chain; The processor, calculating an available limit for the environmental load of a user included in the supply chain based on the environmental load, the progress rate, and the relationship indicated by the supply chain information; A financial product management system that determines the accommodation of environmental loads between users included in the supply chain based on the calculated accommodation limit.

5. 5. The financial product management system according to claim 4, A financial product management system, wherein the processor generates data for displaying a screen showing the users included in the supply chain, the relationships, and the available credit limit.

6. A financial product management method by a financial product management system, comprising: The financial product management system includes a processor and a memory, The memory includes: supply chain information indicating the content of business operations performed by users in the supply chain, the equipment used in the business operations, and the environmental impacts of the business operations; Financial product information indicating financial products for which users included in the supply chain are debtors, and interest rates on the financial products when the users achieve and fail to achieve their environmental impact targets; economic rationality information indicating an arithmetic formula for calculating the economic value generated by carrying out the business; The financial product management method includes: the processor determines equipment that may be subject to control based on a comparison result between a cost when an interest rate is applied when the target value is not achieved, which is based on the environmental load indicated by the supply chain information and the financial product information, and the economic value based on the calculation formula and the supply chain information; The processor generates a control message for the determined facility.

7. 7. A method for managing financial products according to claim 6, comprising: the supply chain information indicates at least one of an operating time of the equipment in the business, a type of material required for the business, an inventory amount of the material in the business, and an inventory amount of the finished product in the business; The financial product management method, wherein the processor calculates the economic value by substituting the at least one of the factors into the arithmetic formula.

8. 7. A method for managing financial products according to claim 6, comprising: The memory holds equipment control information indicating a control command for each piece of equipment, The supply chain information indicates an operation time of the equipment in the business and a progress rate of the business, The financial product management method includes: The processor refers to the supply chain information to acquire the operation time of the determined equipment and the progress rate; The processor determines a control amount of the equipment based on the acquired operating time and the progress rate, A method of financial product management, wherein the processor includes in the control message the determined control amount and a control command for the determined equipment indicated by the equipment control information.

9. 7. A method for managing financial products according to claim 6, comprising: the supply chain information indicates a progress rate of the work and a relationship between orders and receipts of the work of users included in the supply chain; The financial product management method includes: the processor calculates an available limit for the environmental load of a user included in the supply chain based on the environmental load, the progress rate, and the relationship indicated by the supply chain information; A financial product management method, in which the processor determines the accommodation of environmental loads between users included in the supply chain based on the calculated accommodation limit.

10. 10. A method for managing financial products according to claim 9, comprising: A financial product management method, wherein the processor generates data for displaying a screen showing users included in the supply chain, the relationships, and the available credit limit.

Images