Agricultural management support device and agricultural management support method

Abstract

To enable providing an appropriate support according to a loan purpose, even for loans to agricultural producers and new farmers.SOLUTION: An agricultural management support device 10 comprises: a loan acceptance unit 104 that accepts a loan application, including a purpose and amount of the loan, from a user's terminal 200 via a network 500; a farmland score calculation unit 105, a management score calculation unit 106, and a loan score calculation unit 107 that input a status of farming and management associated with the user to calculate a score using a weighting coefficient from among pre-set weighting coefficients that corresponds to the input status, and calculate a loan score based on the calculated score using a weighting coefficient from among the pre-set weighting coefficients that corresponds to the purpose and amount of the loan; a loan determination unit 108 that determines whether or not to grant the loan based on the loan score; and a notification unit 109 that notifies the terminal 200 of the loan determination result.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to, for example, an agricultural management support device and an agricultural management support method. [Background technology]

[0002] The number of people working in the agricultural sector has been declining year by year, and is predicted to fall to one-third of the current level by 2035. To halt this decline, it is necessary to increase the number of new entrants into agriculture, but the number of new entrants is also on the decline, and if this continues, it is thought that there will be a significant decline in agricultural production capacity in Japan.

[0003] Today, the best support for farmers is financial as well as technical, so loans from financial institutions are used to help purchase agricultural machinery and introduce IoT to improve agricultural productivity.

[0004] Regarding this type of financing, there are proposals for properly evaluating farmland so that farmers can quickly receive small loans (microfinance) at low interest rates from financial institutions (Patent Document 1), and a proposal for calculating dynamic data such as the sales ability and productivity of agricultural producers as a credit score for loans to agricultural producers (Patent Document 2). [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Japanese Patent Publication No. 2022-082636 [Patent Document 2] Patent No. 6688421 Summary of the Invention [Problem to be solved by the invention]

[0006] When lending to agricultural producers, the farming situation of the producers is evaluated regardless of the purpose of the loan, which means that there is a problem that the loan does not lead to farming support for new farmers with little agricultural experience.

[0007] The present invention has been made in consideration of this background, and aims to provide an agricultural management support device and an agricultural management support method that provide appropriate support according to the purpose of the loan, even for loans to agricultural producers who are new to farming. [Means for solving the problem]

[0008] In order to solve the above-mentioned problems and achieve the above-mentioned objectives, one embodiment of the present invention is an agricultural management support device that makes a loan decision for loan applications from a user's terminal via a network, and is characterized by comprising: a loan acceptance unit that accepts loan applications including the purpose and amount of the loan from the user's terminal via the network; a calculation unit that inputs the agricultural and management status linked to the user and calculates a score using a weighting coefficient from among the pre-set weighting coefficients that corresponds to the input status, and calculates a loan score based on the calculated score using a weighting coefficient from among the pre-set weighting coefficients that corresponds to the purpose and amount of the loan; a loan decision unit that makes a loan decision based on the loan score calculated by the calculation unit; and a notification unit that notifies the user's terminal of the loan decision result of the loan decision unit.

[0009] Another embodiment of the present invention is an agricultural management support device that makes a loan decision for a loan application from a user terminal via a network, the agricultural management support device including a purpose memory unit that stores weighting coefficients for farmland and management in association with each predetermined loan purpose; a loan amount memory unit that stores weighting coefficients in association with each predetermined loan amount level; a loan acceptance unit that accepts a loan application including the purpose of funds and the loan amount from the user terminal via the network; an acquisition unit that acquires agricultural data and management data of the user; a farmland score calculation unit that calculates a farmland score based on the agricultural data acquired by the acquisition unit of the user accepted by the loan acceptance unit in accordance with predetermined rules; a loan score calculation unit that calculates a management score based on the management data acquired by the purpose memory unit and the loan amount memory unit, and calculates a first loan score using weighting coefficients corresponding to the purpose and loan amount of the funds accepted by the loan acceptance unit and the farmland score calculated by the farmland score calculation unit by referring to the purpose memory unit and the loan amount memory unit, and calculates a second loan score using weighting coefficients corresponding to the purpose and loan amount of the funds accepted by the loan acceptance unit and the management score calculated by the management score calculation unit, and obtains a loan score by adding the first and second loan scores; a loan judgment unit that makes a loan judgment based on the loan score acquired by the loan score calculation unit; and a notification unit that notifies the user's terminal of the loan judgment result of the loan judgment unit.

[0010] Furthermore, another embodiment of the present invention is an agricultural management support method for making a loan decision in response to a loan application from a user's terminal via a network, comprising: a loan acceptance step for accepting a loan application including the purpose and amount of the loan from the user's terminal via the network; a calculation step for inputting the agricultural and management status linked to the user, calculating a score using a weighting coefficient from among pre-set weighting coefficients that corresponds to the input status, and calculating a loan score based on the calculated score using a weighting coefficient from among the pre-set weighting coefficients that corresponds to the purpose and amount of the loan; a loan decision step for making a loan decision based on the calculated loan score; and a notification step for notifying the user's terminal of the loan decision result of the loan decision step. [Effects of the Invention]

[0011] According to the present invention, even when lending to agricultural producers who are new to farming, appropriate support can be provided according to the purpose of the loan. [Brief explanation of the drawings]

[0012] [Figure 1] 1 is a block diagram showing functions of an agricultural management support device according to an embodiment of the present invention. [Figure 2] FIG. 2 is an explanatory diagram illustrating an example of a data configuration related to agriculture and management according to an embodiment of the present invention. [Figure 3] FIG. 2 is an explanatory diagram illustrating loan determination criteria according to an embodiment of the present invention. [Figure 4] 1 is a configuration diagram showing a hardware configuration of an agricultural management support device according to an embodiment of the present invention. [Figure 5] 1 is a flowchart illustrating the overall operation according to an embodiment of the present invention. [Figure 6] FIG. 10 is an explanatory diagram illustrating an example of a screen transition according to an embodiment of the present invention. [Figure 7] 1 is a flowchart illustrating a loan determination and notification process according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0013] Hereinafter, an embodiment of the present invention will be described with reference to the drawings. Note that the following description and drawings are merely examples for explaining the present invention, and appropriate omissions and simplifications have been made for clarity of explanation. The present invention can also be implemented in various other forms. Unless otherwise specified, each component may be singular or plural. In the following description, a database will be referred to as DB and a table as TBL, and although DB and TBL are named differently for convenience, the storage form is not limited.

[0014] Preferred embodiments of the present invention will be described below with reference to the drawings. Note that the following are merely examples of the present invention, and the content of the present invention is not limited to the specific embodiments described below. The present invention can of course be modified into various embodiments, including the embodiments described below.

[0015] First, the functions will be explained using Figures 1, 2, and 3. Figure 1 is a block diagram showing the functions of the agricultural management support device according to this embodiment, Figure 2 is an explanatory diagram explaining an example of the data configuration related to agriculture and management according to this embodiment, and Figure 3 is an explanatory diagram explaining the loan determination criteria according to this embodiment.

[0016] 1, the agricultural management support device 10 is connected to an agricultural producer's terminal 200 via a network 500 such as a wireless communication network or the Internet, and performs loan screening. The agricultural management support device 10 may be owned and operated by a financial institution, or may be operated by a financial institution using a cloud server of an information and communications carrier.

[0017] The terminal 200 includes an input / output unit 201 for input operations and screen display, a memory unit 202 for storing various data, etc. The terminal 200 also acquires agricultural data of the farmland 300 from the agricultural data collection device 400 via wired or wireless communication, stores the data in the memory unit 202, and provides the necessary agricultural data to the agricultural management support device 10 as needed. Furthermore, the terminal 200 provides management data such as financial data related to agriculture to the agricultural management support device 10 as needed.

[0018] The terminal 200 may be an IoT device or a personal computer with a communication function.

[0019] The above agricultural data and management data may be provided to the agricultural management support device 10 at the time of applying for a loan examination, or if a transaction has already been made, they may be provided periodically at the end of monthly settlements, quarterly settlements, or at the end of a term. Note that the agricultural data may be provided daily and updated, since the data is always connected via the network 500.

[0020] Agricultural data is data collected from farmland 300 using sensing or other technologies, and refers to, for example, soil information (temperature, humidity, fertilizer (pH), etc.), weather information (temperature, humidity, rainfall, etc.), growth information (visual data, shape, color, disease, etc.), etc. Furthermore, sensing or other technologies may include drones, sensors, cameras, etc.

[0021] The agricultural management support device 10 is composed of, for example, a communication control unit 101, a user authentication unit 102, a memory unit 103, a loan acceptance unit 104, a farmland score calculation unit 105, a management score calculation unit 106, a loan score calculation unit 107, a loan judgment unit 108, a notification unit 109, etc., as shown in Figure 1.

[0022] Specifically, the communication control unit 101 is connected to the network 500 and communicates data and the like with external devices such as the terminal 200. The user authentication unit 102 authenticates whether the agricultural producer has already completed account registration and user registration required for loan screening.

[0023] The storage unit 103 is configured with an agricultural data DB 103A, a management data DB 103B, a use TBL 103C, a loan amount TBL 103D, a loan decision TBL 103E, a user TBL 103F, and the like.

[0024] The agricultural data DB 103A will be described using the partial excerpt shown in Figure 2(a) as an example. When User A and User B are registered as agricultural producers, once agricultural data for each user has been collected, a farmland score is calculated from the score based on each agricultural data as appropriate. That is, the farmland score calculation unit 105 calculates this farmland score.

[0025] For example, the farmland scores of users A and B were both updated on August 5, 2023. For user A, the soil score is "5," the weather score is "4," and the growth score is "5," while for user B, the soil score is "2," the weather score is "4," and the growth score is "3."

[0026] The above scores can be calculated by the farmland score calculation unit 105 using a trained model constructed from past data statistics on soil, weather, growth, etc., and details of this method will not be described here as there are various methods available. In this embodiment, each score based on agricultural data falls within the range of 0 to 5, for example.

[0027] Regarding the method of calculating the farmland score, for User A, a weighting coefficient (values ​​arbitrarily set between 0 and 1) of 0.2 for a soil score of 5, 0.2 for a weather score of 4, and 0.6 for a growth score of 5 is multiplied and added, resulting in a total of 4.8. Similarly, for User B, a farmland score of 3.0 is obtained. This result indicates that User A has a higher score than User B, i.e., the farmland is rated higher.

[0028] The management data DB 103B will be described using the partial excerpt shown in FIG. 2(b) as an example. When User A and User B are registered as agricultural producers, the financial data for each user is updated and a management score is calculated appropriately. That is, the management score calculation unit 106 calculates this management score.

[0029] The management score can also be calculated by applying a method that utilizes a trained model constructed from data statistics for financial evaluation in the management score calculation unit 106, and details thereof will not be described here as there are various methods available. In this embodiment, each score based on management data is assumed to fall within the range of 0 to 5.

[0030] For example, users A and B both have updated financial data for fiscal year 2023. For user A, the management score calculated based on a pre-prepared learning model is "3.2," and for user B, the management score calculated based on a pre-prepared learning model is "2.5."

[0031] In the use TBL103C, as shown in Fig. 2(C), for example, weighting coefficients for farmland scores and weighting coefficients for management scores are set and stored according to the use of funds acquired by agricultural producers through loans, i.e., according to the purpose of the loan. The above uses may include, for example, small and large agricultural implements, agricultural supplies, land, facilities and equipment, sales channels, and other management-related items.

[0032] The weighting coefficient for farmland scores is set so that the coefficients gradually decrease in the direction of increasing amounts, such as small farm machinery, large farm machinery, agricultural supplies, land, facilities and equipment, and management-related items, such as 0.8, 0.7, 0.6, 0.4, 0.3, and 0.2. Therefore, for farmland scores, the smaller the loan amount, the easier it is to provide financing, and the more support agricultural producers receive.

[0033] On the other hand, the weighting coefficient for management scores is set to gradually increase in value, such as 0.2, 0.3, 0.4, 0.6, 0.7, and 0.8, for larger amounts of small agricultural machinery, large agricultural machinery, agricultural supplies, land, facilities and equipment, and management-related items. Therefore, the larger the loan amount for management scores, the easier it is to provide loans, and the more support agricultural producers receive.

[0034] The combination of weighting coefficients for farmland scores and management scores set by use is set to, for example, add up to 1.

[0035] For example, as shown in Figure 2(d), the loan amount TBL103D is set with a weighting coefficient for the management score in stages according to the loan amount desired by the agricultural producer. Specifically, the weighting coefficient is set so that it gradually increases as the desired loan amount increases. The positioning of this loan amount TBL103D is set so that the weighting coefficient gradually increases as the desired loan amount increases in order to provide more thorough management support.

[0036] This loan amount TBL103D is, by way of example, divided into six levels of amounts and weighting coefficients. The weighting coefficients are set to gradually increase, such as 0.1, 0.2, 0.3, 0.4, 0.5, and 0.6, for the levels from 0 to 1 million yen, 1.01 to 5 million yen, 5.01 to 10 million yen, 10.01 to 30 million yen, 3,001 to 50 million yen, and 5,001 to 100 million yen. Note that the number of levels and the amount divisions for each level are merely examples and are not limited to these.

[0037] The loan score calculation unit 107 calculates a loan score using the use TBL 103C and the loan amount TBL 103D for the outputs of the farmland score calculation unit 105 and the management score calculation unit 106.

[0038] In the loan decision TBL103E, as shown in Fig. 3, loan scores are classified into six categories from 0 to 5, and for each category, an evaluation category and the content of the loan decision are associated. In this embodiment, six categories are used, but the number of categories can be set arbitrarily as a design matter. Furthermore, it goes without saying that the content of the loan decision can also be changed as appropriate.

[0039] A loan score of "0" corresponds to an evaluation category of "risk" and a loan judgment result of "do not grant a loan." A loan score of "1" corresponds to an evaluation category of "caution," although not necessarily risky, and a loan judgment result of "consider granting a loan" is assigned, without an immediate judgment.

[0040] Furthermore, if the loan score is "2" or "3," the evaluation category is "good," and the loan decision is "promote the loan" because the loan risk is low. Furthermore, if the loan score is "4" or "5," the evaluation category is "excellent," and the loan decision is "promote the loan" because there are no problems with the loan.

[0041] The loan judgment unit 108 refers to the loan judgment TBL 103E to obtain the loan judgment result in response to a loan examination request from a user terminal (e.g., terminal 200), and the notification unit 109 notifies the loan judgment result to the terminal (e.g., terminal 200) of the user that requested the loan examination.

[0042] Furthermore, although detailed explanations are omitted for User TBL103F, it stores a general user name (personal name or business name such as agricultural producer), contact information such as address, user ID for identifying the user, account information, transaction information such as loans, score information such as credit rating, etc.

[0043] Next, the configuration of this embodiment will be described. Fig. 4 is a configuration diagram showing one hardware configuration of the agricultural management support device according to this embodiment.

[0044] 4, the agricultural management support device 10 is configured with a CPU 11 that controls the entire device, a memory 13 that stores programs 12 for processing according to this embodiment to be executed by the CPU 11 and stores various data during execution, an operation device 14 that includes a keyboard and a display device, an external storage device 15 that registers and stores various data in the form of a DB, TBL, etc., a communication IF 16 that is connected to a network 500 and controls communication with external devices such as a terminal 200, a bus 17 that is connected to each unit within the device and controls communication of data, signals, etc. within the device, etc. The external storage device 15 registers and manages the DBs, TBLs, etc. shown in FIGS. 2 and 3.

[0045] Next, the operation will be explained using Figures 5, 6, and 7. Figure 5 is a flowchart explaining the overall operation of this embodiment, Figure 6 is an explanatory diagram explaining an example of screen transitions according to this embodiment, and Figure 7 is a flowchart explaining the loan judgment and notification process according to this embodiment. Note that the process explained below is executed by the CPU 11 in the agricultural management support device 10 using the program 12 stored in the memory 13.

[0046] First, the agricultural producer collects and stores agricultural data from the farmland 300 (step S801) and transmits it to the agricultural producer's terminal 200 (step S802). This transmission is preferably performed periodically, such as daily, weekly, or monthly, and may be configured to transmit the latest or past data upon instruction from the terminal 200.

[0047] The relationship between the terminal 200 and the agricultural management support device 10 is premised on the premise that the agricultural producer has already opened an account with a financial institution and that the two parties have a business relationship. Note that, in the case where a loan examination is requested without a business relationship, new user registration is processed in advance, although illustrations and explanations are omitted.

[0048] The terminal 200 accepts a user operation (step S701), and executes an access operation to the agricultural management support device 10 (step S702). The agricultural management support device 10 accepts the access (step S601), and executes user authentication (step S602). If the user authentication confirms that the user is a registered user, the process proceeds to step S603; if the user authentication does not confirm that the user is a registered user, the process proceeds to new user registration (not shown).

[0049] In step S603, a menu screen is generated and transmitted to the terminal 200. The received menu screen is displayed on the terminal 200 (step S703). For the sake of explanation, it is assumed here that the user selects "loan" (step S704). Note that processing in the case where an option other than loan is selected will be omitted.

[0050] In the agricultural management support device 10, when the selection of a loan is accepted (YES route in step S604), a loan application form is generated and sent to the terminal 200 (step S606). On the other hand, when a selection other than a loan is accepted (NO route in step S604), other processing according to the selection is executed (step S605). The terminal 200 receives the loan application form, and an image of the form is displayed on the input / output unit 201 (step S705).

[0051] 6(a), the display screen of the input / output unit 201 displays three items, namely, a purpose selection area 211, a loan amount input area 212, and a repayment period setting area 213, as well as an application button 214. Here, the repayment period is set by the financial institution in advance from the shortest to the longest period, and the period is not unlimited.

[0052] The purpose selection area 211 is a menu that allows the user to select the purpose using, for example, a pull-down menu. The loan amount input area 212 is an area for inputting the desired loan amount using a keyboard (not shown). The repayment period setting area 213 is an area for inputting the desired repayment period using a keyboard (not shown). The application button 214 is a button that becomes valid when the above three items have been input.

[0053] The loan amount and repayment period may also be set using a pull-down menu for options prepared in advance, similar to the purpose of use.

[0054] In this way, when the input into the loan application form is completed on the terminal 200 and the application button 214 is pressed, the input contents are transmitted to the agricultural management support device 10. In this way, the loan application is completed (step S706).

[0055] The agricultural management support device 10 accepts the loan application (step S607) and executes a loan determination process. The determination result is notified to the terminal 200 (step S608). If the determination result is that the loan is approved or that the loan is being considered (step S609), the process proceeds to step S610, where the loan procedure process is executed and then a termination process is executed (step S611). On the other hand, if the determination result is that the loan is not approved, the process executes a termination process and then ends (step S611).

[0056] When the terminal 200 receives the above notification, the notification content is displayed on the input / output unit 201 (step S708), and the process ends after an operation input according to the loan judgment result (step S709).

[0057] For example, as shown in Figure 2(a), suppose an agricultural producer selects agricultural machinery (small) as the purpose, requests a loan amount of 5 million yen, and requests a repayment period of 3 years.

[0058] First, if the loan decision result is that the loan is approved, the input / output unit 201 will display the following notification results, for example as shown in FIG. 6(b): "Loan approved," the purpose is "agricultural machinery (small)," the loan amount is "5 million yen," and the repayment period is "3 years." The agricultural producer can officially apply for the loan by operating the confirm button 217 displayed at the bottom of the screen. Of course, the agricultural producer can also cancel the current loan application by operating the cancel button 216.

[0059] Furthermore, if the loan decision result is that the loan is being considered, the input / output unit 201 will display the following notification results, for example as shown in Figure 6(c), including the result "continuation of loan consideration," the purpose being "agricultural machinery (small)," the loan amount being "5 million yen," and the repayment period being "3 years." The agricultural producer can apply for continuation of loan consideration by operating the continue button 218 displayed at the bottom of the screen. Of course, the agricultural producer can also cancel the current loan application by operating the cancel button 216.

[0060] Furthermore, if the loan decision result is "loan not approved," then, as shown in Figure 6(d), the notification result will be "loan not approved," with the purpose being "agricultural machinery (small)," the loan amount being "5 million yen," and the repayment period being "3 years," and the notification content will be displayed in the input / output unit 201. The agricultural producer can terminate this loan application by operating the end button 219 displayed at the bottom of the screen.

[0061] Next, the loan determination and notification process in step S608 will be explained using Fig. 7. In Fig. 7, data linked to the agricultural producer's user ID is referenced, and if the latest data can be obtained, the agricultural data DB 103A and the management data DB 103B are updated with the corresponding agricultural data and management data (step S901).

[0062] Then, the farmland score is calculated and the result is stored in the memory 13 (step S902), and further, the management score is calculated as described above and the result is stored in the memory 13 (step S903).

[0063] Next, the application TBL 103C and the loan amount TBL 103D are referenced, and a loan score is calculated based on the farmland score and the management score, and the result is stored in the memory 13 (step S904). Once the loan score is obtained in this way, the loan decision TBL 103E is referenced, and a loan decision is made based on the loan score (step S905). The decision result obtained in this way is notified to the terminal 200 (step S906).

[0064] For example, as shown in Figure 6(a), we will explain the case where a loan application is made with the following conditions: "Continued loan consideration," the purpose is "Agricultural machinery (small)," the loan amount is "5 million yen," and the repayment period is "3 years," and the farmland score is 4.8 and the management score is 3.2.

[0065] In this case, when referring to the use TBL103C, the weighting coefficients to be multiplied to the farmland score and management score for agricultural machinery (small) are 0.8 and 0.2, respectively. Furthermore, when referring to the loan amount TBL103D, the weighting coefficient corresponding to the desired loan amount of "5 million yen" is 0.2.

[0066] When the loan score is calculated using the weighting coefficients obtained in this way, the result of the following equation (1) is obtained.

[0067]

number

[0068] In addition, financial institutions that provide loans can make lending decisions that are appropriate for the purpose of the loan and the desired loan amount after properly understanding the current state of the farmland and its management status, thereby reducing the risk associated with lending.

[0069] In the above-described embodiment, the farmland score and management score were used as the criteria for determining whether or not to grant a loan. However, the present invention is not limited to this. When calculating the loan score (step S904 in FIG. 7), the agricultural producer's production skills may be scored and added to the above formula 1. This makes it possible to create an environment in which loans can be made to agricultural producers with potential, even if only slightly. This will also lead to an increase in new farmers and support for the continuation of agriculture.

[0070] It should be noted that the present invention is not limited to the above-described embodiment, and includes various modifications. Furthermore, the above-described embodiment has been described in detail to clearly explain the present invention, and the present invention is not necessarily limited to an embodiment having all of the described configurations.

[0071] Furthermore, some of the configurations of the above-described embodiments can be added to, deleted from, or replaced with other configurations. Furthermore, the above-described 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. Furthermore, the above-described configurations, functions, etc. may be realized in software, by a processor interpreting and executing a program that realizes each function.

[0072] Information such as programs, tables, and files that realize each function may be stored in a memory, a recording device such as a hard disk or SSD, or a recording medium such as an IC card, SD card, or DVD.

[0073] In the above-described embodiment, agriculture has been taken as an example, but it goes without saying that the present invention can also be applied to financing in the primary industries, such as forestry and fishing. [Explanation of symbols]

[0074] 10. Agricultural management support equipment 11 CPU 12 Programs 13. Memory 14 Operating Devices 15 External storage device 16 Communication Interface 17 Bus 101 Communication control unit 102 User authentication section 103 Storage section 103A Agricultural Data DB 103B Management Data DB 103C Usage TBL 103D Loan amount TBL 103E Financing judgment TBL 103F User TBL 104 Loan Reception Department 105 Farmland Score Calculation Unit 106 Management Score Calculation Department 107 Loan Score Calculation Section 108 Loan Assessment Department 109 Notification Department 200 devices 400 Agricultural Data Collection Device

Claims

1. An agricultural management support device that makes a loan decision in response to a loan application from a user terminal via a network, a loan acceptance unit that accepts a loan application including a loan purpose and a loan amount from a user's terminal via the network; a calculation unit that inputs the agricultural and management conditions associated with the user, calculates a score using a weighting factor corresponding to the input conditions from among preset weighting factors, and calculates a loan score based on the calculated score using a weighting factor corresponding to the loan use and loan amount from among the preset weighting factors; a loan decision unit that makes a loan decision based on the loan score calculated by the calculation unit; a notification unit that notifies the user terminal of the loan determination result of the loan determination unit; An agricultural management support device comprising:

2. An agricultural management support device that makes a loan decision in response to a loan application from a user terminal via a network, a use storage unit that stores weighting coefficients for farmland and management in association with each other for each predetermined use of loan; a loan amount storage unit that stores weighting coefficients corresponding to predetermined loan amount levels; a loan acceptance unit that accepts a loan application including a purpose of funds and a loan amount from a user's terminal via the network; an acquisition unit that acquires agricultural data and management data of the user; a farmland score calculation unit that calculates a farmland score based on the agricultural data of the user accepted by the loan acceptance unit and acquired by the acquisition unit in accordance with predetermined rules; a management score calculation unit that calculates a management score based on the management data of the user accepted by the loan acceptance unit and acquired by the acquisition unit in accordance with a predetermined rule; a loan score calculation unit that refers to the purpose memory unit and the loan amount memory unit, calculates a first loan score using weighting coefficients corresponding to the purpose and loan amount of the funds accepted by the loan acceptance unit and the farmland score calculated by the farmland score calculation unit, calculates a second loan score using weighting coefficients corresponding to the purpose and loan amount of the funds accepted by the loan acceptance unit and the management score calculated by the management score calculation unit, and obtains a loan score by adding up the first and second loan scores; a loan decision unit that makes a loan decision based on the loan score acquired by the loan score calculation unit; a notification unit that notifies the user terminal of the loan determination result of the loan determination unit; An agricultural management support device comprising:

3. 3. The agricultural management support device according to claim 2, wherein the loan application received by the loan receiving unit includes information on a repayment period.

4. 3. The agricultural management support device according to claim 2, wherein the loan score calculation unit calculates a production skill score based on the agricultural data and management data stored in the data storage unit and adds the score to the loan score.

5. 3. The agricultural management support device according to claim 2, wherein the agricultural data includes information on soil, weather, and growth.

6. 3. The agricultural management support device according to claim 2, wherein the management data is financial statement information.

7. 3. The agricultural management support device according to claim 2, wherein the predetermined use of the loan includes any one of agricultural implements, agricultural supplies, land, and sales channels.

8. 3. The agricultural management support device according to claim 2, wherein the total of the weighting coefficients for farmland and management for each use stored in the use storage unit is 1.

9. 3. The agricultural management support device according to claim 2, wherein the weighting coefficients stored in the loan amount storage unit are set to increase in accordance with the setting of a stepwise increase in the loan amount.

10. 3. The agricultural management support device according to claim 2, further comprising a loan decision storage unit that stores decision details indicating whether or not a loan should be granted in association with the magnitude of the loan score.

11. 3. The agricultural management support device according to claim 2, further comprising a data storage unit that stores agricultural data and management data in association with each user, and wherein the acquisition unit acquires the agricultural data and management data from the data storage unit.

12. 3. The agricultural management support device according to claim 2, wherein the acquisition unit acquires the agricultural data and management data from a terminal of the user.

13. An agricultural management support method for making a loan decision in response to a loan application from a user terminal via a network, comprising: a loan acceptance step of accepting a loan application including a loan purpose and a loan amount from a user's terminal via the network; a calculation step of inputting the agricultural and management conditions associated with the user, calculating a score using a weighting factor corresponding to the input conditions from among preset weighting factors, and calculating a loan score based on the calculated score using a weighting factor corresponding to the loan use and loan amount from among the preset weighting factors; a loan decision step of making a loan decision based on the calculated loan score; a notification step of notifying the user terminal of the loan determination result of the loan determination step; An agricultural management support method comprising:

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