Information processing system, information processing method, and program

Abstract

To calculate an emission amount of a loan destination by a financial institution.SOLUTION: An information processing system includes a sector information storage unit configured to store an agricultural sector indicating a sector of a borrower based on Japanese Standard Industrial Classification, an emission amount storage unit configured to store an amount of greenhouse gas emission related to the agricultural sector, a presentation unit configured to present the amount of greenhouse gas emission related to the agricultural sector, and a criterion changing unit configured to change a criterion from Japanese Standard Industrial Classification as a first criterion to World Industrial Classification as a second criterion. When the reference change unit changes the first reference to the second reference, the presentation unit can switch the emission amount of the greenhouse gas related to the sector of agriculture to the emission amount of the greenhouse gas related to the sector of agricultural products and present the emission amount of the greenhouse gas related to the sector of agriculture products.SELECTED DRAWING: Figure 6

Description

[Technical Field]

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

[0002] The amount of carbon dioxide and other emissions has been calculated (see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2007-164754 Summary of the Invention [Problem to be solved by the invention]

[0004] Financial institutions are required to calculate the emissions of their investment and lending entities.

[0005] The present invention has been made in view of the above background, and aims to provide a technology that enables financial institutions to calculate the emissions of investment and loan recipients. [Means for solving the problem]

[0006] The information processing system according to this aspect includes: a sector information storage unit that stores first sector information (e.g., agriculture) indicating the sector of the investment or loan target based on a first standard (e.g., Japan Standard Industrial Classification); an emission amount storage unit that stores the greenhouse gas emission amount related to the first sector information; a presentation unit capable of presenting greenhouse gas emissions related to the first sector information; a standard changing unit that can change the standard from the first standard to a second standard (for example, the Global Industry Classification Standard); Equipped with When the standard change unit changes from the first standard to the second standard, the presentation unit is capable of switching the greenhouse gas emissions related to the first sector information to the greenhouse gas emissions related to second sector information (e.g., agricultural products) and presenting the switched information; It is characterized by:

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

[0008] According to the present invention, it is possible to calculate the emissions of investments and loans made by financial institutions. [Brief explanation of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram illustrating an example of the overall configuration of an information processing system. [Figure 2] FIG. 2 illustrates an example of the hardware configuration of a management server 200. [Figure 3] FIG. 2 illustrates an example of the software configuration of a management server 200. [Figure 4] FIG. 10 is an image diagram showing a report using the first criterion. [Figure 5] FIG. 10 is an image diagram showing a report using the second criterion. [Figure 6] FIG. 10 is a diagram illustrating an operation 1 of the management server 200. [Figure 7] FIG. 10 is a diagram illustrating an operation 2 of the management server 200. [Figure 8] FIG. 10 is a diagram illustrating an operation 3 of the management server 200. DETAILED DESCRIPTION OF THE INVENTION

[0010] <<<<System Overview>>>> FIG. 1 is a diagram showing an example of the overall configuration of an information processing system. The information processing system of this embodiment is a system equipped with an information output function. The information output function is a function that allows financial institutions to manage the greenhouse gas emissions of their investments and loans, as well as manage the investment and loan contribution portion of the investment and loan contribution amount (investment and loan contribution information) of the investment and loans' greenhouse gas emissions. The information output function is a function that allows financial institutions to compare and evaluate the climate-related risks inherent in their investments and loans, and the status of their efforts toward decarbonization.

[0011] The information processing system with information output function includes a management server 200 (200A). The management server 200 is communicably connected to an investment / loan recipient terminal 101 and a financial institution terminal 102 via a communication network. The communication network is, for example, the Internet, and is constructed using a public telephone line network, a mobile phone line network, a wireless communication path, Ethernet (registered trademark), or the like.

[0012] The financial institution terminal 102 is a computer operated by a user of the financial institution (hereinafter referred to as a financial institution user). The financial institution terminal 102 is a computer operated by a financial institution user. The financial institution terminal 102 is, for example, a smartphone, a tablet computer, a personal computer, or the like.

[0013] The investment / loan recipient terminal 101 is a computer operated by a user (hereinafter referred to as the investment / loan recipient user) related to the financial institution's investment / loan recipient (which may be a company, an individual, or real estate, or any other entity that is the subject of investment or financing). The investment / loan recipient terminal 101 is a computer operated by the investment / loan recipient user. The investment / loan recipient terminal 101 may be, for example, a smartphone, a tablet computer, a personal computer, or the like.

[0014] The management server 200 may be, for example, a general-purpose computer such as a workstation or a personal computer, or may be logically realized by cloud computing.

[0015] <<<Management Server>>> FIG. 2 is a diagram illustrating an example of the hardware configuration of the management server 200. Note that the illustrated configuration is an example, and other configurations may also be used. The management server 200 includes a CPU 201, a memory 202, a storage device 203, a communication interface 204, an input device 205, and an output device 206. The storage device 203 stores various data and programs. The storage device 203 is, for example, a hard disk drive, a solid state drive, or a flash memory. The communication interface 204 is an interface for connecting to a communication network, such as an adapter for connecting to Ethernet (registered trademark), a modem for connecting to a public telephone network, a wireless communication device for wireless communication, or a USB (Universal Serial Bus) connector or an RS232C connector for serial communication. The input device 205 is, for example, a keyboard, a mouse, a touch panel, a button, a microphone, or the like for inputting data. The output device 206 is, for example, a display, a printer, a speaker, or the like. Each functional unit of the management server 200 described below is realized by the CPU 201 reading a program stored in the storage device 203 into the memory 202 and executing it, and each storage unit of the management server 200 is realized as part of the storage area provided by the memory 202 and the storage device 203.

[0016] 3 is a diagram illustrating an example of the software configuration of the management server 200. The management server 200 includes a calculation unit 210, an input unit 220, a storage unit 230, an output unit 240, an acquisition unit 250, a generation unit 260, an estimation unit 270, an analysis unit 280, and an execution unit 290.

[0017] <<<Information Management>>> First, a description will be given of the management of information used in the information output function. The management of information is performed by a management section constituting the execution section 290. The management section manages the master and the amount of discharge.

[0018] <<Master Management>> The management of the master data is the management of information on investments and loans. The management of the master data is configured so that the attribution coefficient can be derived. The management of the master data in this embodiment is as follows (1) to (3). (1) Management of investment and loan recipient companies (2) Management of financial information (3) Credit balance management

[0019] (1) Management of investment and loan recipient companies The Management Department manages the following size information in "(1) Management of companies receiving investment and loans." (1-1) Name of the company receiving the investment or loan (1-2) Corporate number of the investment / loan recipient (1-3) Customer Information File (CIF) of Investment and Loan Recipients (1-4) Industry of investment and loan recipient (1-5) Fiscal year end of the investment / loan recipient (1-6) Address of the investment recipient (1-7) Measurement scope of investment and loan recipients (1-8) Whether or not there is emission information linkage with the management server (management server 200A or 200B)

[0020] The financial institution user inputs this scale information by operating the financial institution terminal 102. The scale information input by the financial institution terminal 102 is input to the information processing system via the input unit 220 and stored in the memory unit 230 (e.g., a scale information memory unit). The scale information memory unit constituting the memory unit 230 stores, for each business entity (recipient of investment or loan as a business entity), scale information indicating the scale of the business entity. The scale information can be acquired by the acquisition unit 250, and the acquired information may be reflected.

[0021] <(2) Management of financial information> The Management Department manages the following scale information in "(2) Management of Financial Information." (2-1) Name of the company receiving the investment or loan (2-2) Reference year for investment and loan data (2-3) Sales of investments and loans (2-4) Funding amount of investment and loan recipients (2-5) Whether the investment or loan recipient is a consolidated group company

[0022] The amount of funds raised is the sum of the market capitalization of the investment / loan recipient's shares and the market capitalization of its liabilities, and is also referred to as the total amount of funds raised or total investment / loan amount. The amount of funds raised can also be the sum of the market capitalization of shares, interest-bearing liabilities (bonds + borrowings), and the book value of non-controlling interests. Information on whether or not a company is in a consolidated group indicates whether or not the attribution coefficient is calculated using consolidated data.

[0023] The financial institution user inputs this scale information by operating the financial institution terminal 102. The scale information input by the financial institution terminal 102 is input to the information processing system via the input unit 220 and stored in the storage unit 230 (e.g., a scale information storage unit). The scale information can be acquired by the acquisition unit 250, and the acquired information may be reflected.

[0024] <(3) Credit balance management> The Management Department manages the following size information in "(3) Management of credit balance." (3-1) Reference year for investment and loan data (3-2) Credit balance of investment and lending entities

[0025] The credit balance is also referred to as the balance of the investment amount. The financial institution user inputs this size information by operating the financial institution terminal 102. The size information input by the financial institution terminal 102 is input to the information processing system via the input unit 220 and stored in the memory unit 230 (e.g., a size information memory unit). The size information can be acquired by the acquisition unit 250, and the acquired information may be reflected.

[0026] The management unit may also be configured to perform "management of investment balances." When managing investment balances, the "data base year of the investment recipient" and the "investment balance of the investment recipient" are managed. The investment balance is also referred to as the investment and loan balance. When both a credit balance and an investment balance exist, these are considered to be the investment and loan balance. When only a credit balance exists, it is also considered to be the investment and loan balance. When only an investment balance exists, it is also considered to be the investment and loan balance. The investment balance is also stored in the scale information storage unit as scale information. The investment and loan balance is also stored in the scale information storage unit as scale information.

[0027] The attribution coefficient calculation unit that constitutes the calculation unit 210 calculates the attribution coefficient. The attribution coefficient can be calculated by dividing the remaining investment and loan amount, which is "(3-2) Credit Balance," by the total investment and loan amount, which is "(2-4) Fund Raising Amount." The attribution coefficient is also called the attribution rate. The attribution coefficient is a coefficient assigned by a financial institution to the investment and loan recipient. The calculated attribution coefficient is stored in the attribution coefficient memory unit (attribution rate memory unit) that constitutes the memory unit 230.

[0028] <<Emissions Management>> Emissions management involves deriving and managing information on emissions of investment and loan recipients (hereinafter referred to as emissions information). By deriving the emissions information of investment and loan recipients, investment and loan contribution information can be calculated. Investment and loan contribution information can be calculated by multiplying the "emissions of investment and loan recipients" by the above-mentioned "attribution coefficient." The investment and loan contribution information is stored in the investment and loan contribution information storage unit that constitutes storage unit 230.

[0029] The management of the discharge amount in this embodiment is as follows (1) to (6). (1) Management of actual emissions (2) Production and Emissions Management (3) Management of estimated emissions as a percentage of sales (4) Management of estimated emissions from sales (5) Management of estimated total asset emissions (6) Management of emissions by company

[0030] Financial institution users manage this emission information by operating the financial institution terminal 102. In this embodiment, the emission information is explained in order of decreasing quality, (5) => (4) => (3) => (2) => (1), but management can start from anywhere. The quality of emission information is also referred to as the quality of information related to greenhouse gas emissions. The quality of emission information is indicated on a scale of scores 1 to 5. For example, the quality is displayed as follows: "(1) Management of actual emission amounts" is given a score of 1; "(2) Management of production volume emission amounts" is given a score of 2; "(3) Management of estimated emission amounts as a percentage of sales" is given a score of 3; "(4) Management of estimated emission amounts as a percentage of sales" is given a score of 4; and "(5) Management of estimated emission amounts as a percentage of total assets" is given a score of 5.

[0031] <(5) Management of estimated total asset emissions> The Management Department manages the following emission information in "(5) Management of estimated emissions from total assets." (5-1) Credit balance (5-2) Energy intensity per total assets by industry (5-3) Emissions per total asset (estimated emissions per total asset)

[0032] "(5-1) Credit balance" reflects "(3-2) Credit balance of investment / loan recipient" entered in the master management.

[0033] "(5-2) Intensity per total assets by industry" is a coefficient corresponding to information on the industry type of the invested or loaned recipient (hereinafter referred to as "industry type"), and is a coefficient for calculating emissions per total assets. An example of industry type is a classification of economic activity in the Japan Standard Industrial Classification. In master management, by inputting information on "(1-4) Industry type of invested or loaned recipient", the intensity per total assets by industry type corresponding to the input industry type is set. The intensity per total assets by industry type and information on the industry type are stored in the storage unit 230 (for example, the emissions information storage unit), but the intensity per total assets by industry type may also be stored in the intensity storage unit.

[0034] Emissions per total asset can be calculated by multiplying "(5-1) Credit balance" by "(5-2) Intensity per total asset by industry." Because the amount of funding is unknown, it is not possible to calculate an accurate attribution coefficient for emissions per total asset. Therefore, emissions per total asset are estimated emissions based on credit balance. Emissions per total asset are the average emissions by industry. For example, in the case of the agriculture industry, emissions per total asset are the average emissions for the agriculture industry.

[0035] These pieces of emission information are stored in the storage unit 230 (for example, an emission information storage unit). The emission information may be stored in the scale information storage unit. The intensity per total assets by industry type and information on the industry type may also be stored in the scale information storage unit.

[0036] "(5) Management of estimated emissions from total assets" is a method for estimating emissions when there is no fundraising amount. In this case, investment and loan contribution information is calculated by multiplying the "balance of investment and loan amount" by the "emissions per total asset." Emissions per total asset are calculated by dividing total assets by emissions per total asset. Total assets are the average of total assets by industry. For example, in the agriculture industry, total assets are the average total assets for the agriculture industry. In this case, emissions per total asset are the average emissions for the agriculture industry.

[0037] <(4) Management of estimated emissions from sales> The Management Department manages the following emission information in "(4) Management of estimated emission amounts based on sales." (4-1) Sales (4-2) Emissions intensity (4-3) Scope 1 emissions + Scope 2 emissions (hereinafter referred to as Scope 1 + 2 emissions)

[0038] "(4-1) Sales" reflects "(2-3) Sales of investment targets" entered in master management.

[0039] "(4-2) Emissions intensity" is a coefficient corresponding to the industry of the investment or loan recipient, and is a coefficient for calculating Scope 1+2 emissions. The industry is exemplified by classification of economic activity in the Japan Standard Industrial Classification. In master management, by inputting information for "(1-4) Industry of the investment or loan recipient," the emissions intensity corresponding to the input industry is set. Information on the emissions intensity and industry is stored in the memory unit 230 (e.g., the emissions information memory unit), but the emissions intensity may also be stored in the emissions intensity memory unit. Note that an emissions intensity (Category 15) may also be set to calculate Scope 3 Category 15 emissions.

[0040] Scope 1+2 emissions can be derived by multiplying "(4-1) Sales" by "(4-2) Emissions intensity." Scope 1+2 emissions are estimated emissions based on sales. If an emissions intensity (Category 15) is set, estimated Scope 3 (Category 15) emissions can be calculated by multiplying sales by the emissions intensity (Category 15).

[0041] These pieces of emission information are stored in the storage unit 230 (for example, an emission information storage unit). The emission information may be stored in the scale information storage unit. Information on emission intensity and industry type may also be stored in the scale information storage unit.

[0042] "(5) Management of estimated emissions from total assets" and "(4) Management of estimated emissions from sales" are configured to be calculated automatically based on the information entered in the master management, so emissions can be derived without the need to enter new information.

[0043] <(3) Management of estimated emissions as a percentage of sales> The management unit manages the sales ratio as emission information in "(3) Management of sales ratio estimated emission amount." The sales ratio can be input by the financial institution user operating the financial institution terminal 102. The input sales ratio is entered into the information processing system via the input unit 220 and stored (registered) in the scale information storage unit. Note that a sales ratio storage unit constituting the storage unit 230 may be provided to store the information.

[0044] The sales ratio is input as follows, for example: (3-1) Item A: Sales ratio = 40%, Emissions intensity A, Estimated emissions as a percentage of sales A (3-2) Item B: Sales ratio = 30%, Emissions intensity B, Estimated emissions as a percentage of sales B (3-3) Item C: Sales ratio = 20%, Emissions intensity C, Estimated emissions as a percentage of sales C (3-4) Item D: Sales ratio = 10%, Emissions intensity D, Estimated emissions D as a percentage of sales

[0045] The items are exemplified as classification names defined in the input-output table, but may also be items included in the accounting data described below. The emission intensity is the emission intensity corresponding to the item, and is the emission intensity of the classification name defined in the input-output table.

[0046] By entering and registering the sales ratio in this way, "(3) Management of estimated emissions by sales ratio" can derive more detailed emissions than "(5) Management of estimated emissions by total assets" or "(4) Management of estimated emissions by sales."

[0047] <(2) Management of production volume and emissions> In "(2) Management of production volume discharge amount," the management unit manages production volume (hereinafter, activity volume), which is physical volume-based information, as discharge information. The activity volume can be input by the financial institution user operating the financial institution terminal 102. The input activity volume is input to the information processing system via the input unit 220 and stored (registered) in the scale information storage unit. Note that an activity volume storage unit constituting the storage unit 230 may be provided to store the activity volume.

[0048] The amount of activity is input, for example, as follows: (2-1) Item A: Activity A, Emissions intensity A, Production volume A (2-2) Item B: Activity amount B, Emissions intensity B, Production volume emissions B (2-3) Item C: Activity amount C, Emissions intensity C, Production amount C (2-4) Item D: Activity amount D, Emissions intensity D, Production amount D

[0049] The production amount of emissions can be calculated by multiplying the amount of activity by the emission intensity. The calculation is performed by a production amount of emissions calculation unit that constitutes the calculation unit 210.

[0050] By entering and registering activity data in this way, "(2) Management of production volume emissions" can derive more detailed emissions than "(3) Management of estimated emissions by sales ratio."

[0051] <(1) Management of actual emissions> The Management Department manages the following emission information in "(1) Management of actual emission amounts." (1-1) Scope 1+2 emissions (1-2) Scope 3 emissions (1-3) Third-party certification (1-4) Emissions reference source

[0052] In "(1) Management of Actual Emissions," the financial institution user inputs information such as actual emissions by operating the financial institution terminal 102. "(1-1) Scope 1+2 Emissions" is the total of actual Scope 1 and Scope 2 emissions. Scope 1 emissions are calculated by multiplying Scope 1 energy consumption by the emissions intensity. Scope 2 emissions are calculated by multiplying Scope 2 energy consumption by the emissions intensity. "(1-2) Scope 3 Emissions" is the actual Scope 3 emissions. Scope 3 emissions are calculated by multiplying Scope 3 energy consumption by the emissions intensity. Scope 3 emissions are limited to emissions from Category 15, but may include other categories. In "(1-3) Whether or Not Third-Party Certification Has Been Obtained," information indicating whether Scope 1+2 emissions have been third-party certified is entered using a check box. Information indicating whether Scope 3 emissions have been third-party certified is also entered using a check box. The whether or not third-party certification has been obtained may be used if third-party certification is planned to be obtained in the future. "(1-4) Emissions Reference Source" allows you to input information such as the Global Warming Countermeasures Act and check the reference source.

[0053] These pieces of emission information are stored in the storage unit 230 (for example, an emission information storage unit). The emission information may be stored in a scale information storage unit. The emission information may be stored in an emission amount storage unit.

[0054] 1, the emissions acquisition unit constituting the acquisition unit 250 may be an external server connected to the investment / loan recipient terminal 101, access an external management server 200B that calculates greenhouse gas emissions, and acquire information indicating the emissions of the investment / loan recipient (for example, Scope 1+2 emissions, Scope 3 emissions) using an API provided by the management server 200B. In this case, the management unit manages the above-mentioned "(1-8) Presence or absence of emissions coordination with management server (management server 200A or 200B)" as "Yes."

[0055] <(6) Management of emissions by company> The Management Department manages emissions information by company in the "Management of emissions by company" section. When managing entities V, W, X, Y, Z, etc. as investment targets, the Management Department can manage the emissions information for each entity. (6-1) Business Entity V: Emissions V: "(1) Management of Actual Emissions": Score 1 (6-2) Business Unit W: Emissions W: "(3) Management of estimated emissions as a percentage of sales": Score 3 (6-3) Entity X: Emissions X: "(5) Management of estimated emissions from total assets": Score 5 (6-4) Business Unit Y: Emissions Y: (2) Production Emissions Management: Score 2 (6-5) Business Entity Z: Emissions Z: "(4) Management of estimated emissions from sales": Score 5

[0056] <<Calculation of Investment Contribution Information>> The investment contribution information calculation unit that constitutes calculation unit 210 is capable of deriving investment contribution information, which is special index information, by multiplying the "attribution coefficient" derived through master management by the "emissions of the investment recipient" derived through emissions management.

[0057] <<Report function>> 4, a presentation unit constituting output unit 240 presents a report to financial institution terminal 102. An information generation unit constituting generation unit 260 generates the report.

[0058] The report will include the following information: (1) Sector-specific information (2) Information indicating the Japan Standard Industrial Classification / GICS / TCFD (3) Total Scope 1 and Scope 2 emissions (4) Total Scope 3 emissions (5) Scope 1+2 emissions score (6) Scope 3 emissions score (7) Credit balance (8) Total investment and loan amount (8) Number of companies measured (number of business entities under management)

[0059] (1) The sectors of the sector-specific information are as follows: Sectors are industry types. Sectors are shown on the X-axis of the graph in Figure 4. (A) Electricity (B) Coal (C) Oil and Gas (D) Air cargo (E) Air passengers (F) Shipping (G) Rail transport (H) Truck Service (I) Automobiles and parts (J) Metals and Mining (K) Chemicals (L) Building materials (M) Capital goods (building materials, etc.) (N) Real Estate Management and Development (O) Beverage (P) Agriculture (Q)Packaged food / meat (R) Paper, Forest Products (S)Other

[0060] The types of reports are shown on the Y axis of the graph in Figure 4. Figure 4 shows (1-2) Investment and Lending Contribution Information by Sector. The types of reports include the following: (1-1) Emissions by sector (Scope 1+2 and Scope 3 can be displayed separately) (1-2) Investment and financing contribution information by sector (Scope 1+2 and Scope 3 can be displayed separately). (1-3) Average score of Scope 1+2 emissions by sector (1-4) Average score of Scope 3 emissions by sector (1-5) Carbon intensity by sector (investment and financing contribution information / credit balance) (1-6) Economic Emission Intensity by Sector (1-7) Logarithm of business targets by sector

[0061] As shown in Figure 4, the report function allows you to change (select) the standard using the standard change section (standard selection section). For example, in Figure 4, the "Information indicating Japan Standard Industrial Classification / GICS / TCFD" can be changed to "GICS (Global Industry Classification Standard)" or "TCFD." Figure 4 shows that "Japan Standard Industrial Classification" has been selected.

[0062] As shown in Figure 5, when the second standard, "GICS," is selected, the presentation unit is capable of displaying a report corresponding to the GICS sectors. The management unit manages a first correspondence table indicating the correspondence between information on a specific sector of the Japan Standard Industrial Classification (e.g., agriculture as the first sector information) and a specific sector of the GICS (e.g., agricultural products as the second sector information). The standard change unit refers to the first correspondence table and switches from a report using sectors based on the Japan Standard Industrial Classification to a report using sectors based on the GICS. The presentation unit presents a report using sectors based on the GICS. When GICS is selected in this way, it is possible to switch and present a report from one displaying sectors based on the Japan Standard Industrial Classification to one displaying sectors based on the GICS.

[0063] When the third standard, "TCFD," is selected, the presentation unit is able to display a report corresponding to the TCFD sectors. The management unit manages a second correspondence table that shows the correspondence between information on specified sectors of the Japan Standard Industrial Classification and specified sectors of the TCFD (for example, third sector information). The standard change unit refers to the second correspondence table and switches from a report that uses sectors based on the Japan Standard Industrial Classification to a report that uses sectors based on the TCFD. The presentation unit presents a report based on the TCFD. When TCFD is selected in this way, it is possible to switch and present a report from one that displays sectors based on the Japan Standard Industrial Classification to one that displays sectors based on the TCFD.

[0064] <<Storage section>> The item storage unit constituting the storage unit 230 stores items included in the accounting data related to the investment and / or loan recipients and / or projects in association with the investment and / or loan recipients and / or projects. Items included in the accounting data may be, for example, account titles, sub-titles, items, remarks, etc.

[0065] The sector information storage unit constituting the storage unit 230 stores first sector information indicating the sector of the investment or loan recipient based on a first criterion. An example of the first criterion is the Japan Standard Industrial Classification. An example of the first sector information is agriculture, but it may also be the above-mentioned sectors (A) to (S). The sector information storage unit may be configured to store second sector information indicating the sector of the investment or loan recipient based on a second criterion. An example of the second criterion is the GICS. An example of the second sector information is agricultural products. The second sector information may be information that corresponds to the first sector information. The sector information storage unit may be configured to store third sector information indicating the sector of the investment or loan recipient based on a third criterion. An example of the third criterion is the TCFD. An example of the third sector information is agriculture. The third sector information may be information that corresponds to the first sector information.

[0066] The emission amount storage unit constituting the storage unit 230 stores the greenhouse gas emission amount related to the first sector information. The emission amount storage unit can store the indirect greenhouse gas emission amount related to the first sector information.

[0067] <<Functional section>> The investment and loan amount acquisition unit constituting the acquisition unit 250 acquires the investment and loan amount for the investment and loan recipient from the financial institution. For example, the output unit 240 sends form data to the financial institution terminal 102, and the investment and loan amount acquisition unit can acquire information indicating the investment and loan recipient and information indicating the investment and loan amount from the financial institution terminal 102. The financial institution terminal 102 displays an input screen based on the form data. The financial institution user checks the form data displayed on the input screen of the financial institution terminal 102 and inputs information indicating the investment and loan recipient and information indicating the investment and loan amount. The investment and loan amount acquisition unit acquires the input information indicating the investment and loan recipient and information indicating the investment and loan amount. The investment and loan amount acquisition unit may access a management system that manages investment and loan amounts at the financial institution and acquire the investment and loan amount for the investment and loan recipient to be analyzed from the management system. 1, the investment amount acquisition unit may be an external server connected to financial institution terminal 102, and may access external management server 200C that calculates greenhouse gas emissions, and acquire information indicating the investment and loan recipient and information indicating the investment and loan amount using an API provided by management server 200C. The investment and loan amount acquisition unit may also acquire the remaining investment and loan amount for the investment and loan recipient from the financial institution.

[0068] The investment and loan amount acquisition unit may acquire, as the information indicating the investment and loan amount, information indicating the total amount (balance) of investment and loan provided by the financial institution to the business entity of the investment and loan recipient. In this case, the investment and loan amount acquisition unit may access the external management server 200C and acquire the information indicating the total amount (balance) of investment and loan using an API provided by the management server 200C. The investment and loan amount acquisition unit may acquire, as the information indicating the investment and loan amount, information indicating the total amount (balance) of investment and loan provided to a specific project of the investment and loan recipient (such as a specific business or a specific fixed asset). In this case, the investment and loan amount acquisition unit may access the external management server 200C and acquire the information indicating the total amount (balance) of investment and loan using an API provided by the management server 200C. When a specific project is the target, the investment and loan amount acquisition unit can acquire information that identifies the project.

[0069] In order to grasp the "balance" of investment amounts and total investment and loan amounts when calculating emissions, the investment and loan amount acquisition unit is configured to acquire the investment and loan balances from financial institutions and the total investment and loan balances from the financial institution's investment and loan recipients.The attribution rate is then calculated from the investment and loan balances and the total investment and loan balances.In detail, the attribution rate calculation unit, which will be described later, divides the investment and loan balance by the total investment and loan balance to calculate the attribution rate to the financial institution's investment and loan recipients.

[0070] The total investment and loan amount acquisition unit constituting the acquisition unit 250 acquires, from the investment and loan recipient, information indicating the total investment and loan amount received by the investment and loan recipient. The total investment and loan amount can be the amount of investment and loan (stocks and debt) received by the investment and loan recipient from financial institutions (which may be one or more financial institutions). The debt amount can be the remaining loan balance. The value of the stocks may be the acquisition amount or the current appraised value. The investment and loan amount acquisition unit can, for example, send form data to the investment and loan recipient terminal 101 and acquire information indicating the total investment and loan amount from the investment and loan recipient terminal 101. The investment and loan recipient user checks the form data displayed on the input screen of the investment and loan recipient terminal 101 and inputs information indicating the total investment and loan amount. The total investment and loan amount acquisition unit acquires the information indicating the input total investment and loan amount. As shown by the two-dot chain line in FIG. 1, the total investment and loan amount acquisition unit may be an external server connected to the investment and loan recipient terminal 101, and may access an external management server 200B that calculates greenhouse gas emissions, and acquire information indicating the total investment and loan amount using an API provided by the management server 200B. Note that the management server 200B and the management server 200C may be the same management server. The total investment and loan amount acquisition unit can acquire the total investment and loan amount received by the investment and loan recipient. The total investment and loan amount acquisition unit can also acquire the remaining balance of the total investment and loan amount received by the investment and loan recipient.

[0071] The total investment and loan amount acquisition unit may acquire the total investment and loan amount covering all investments and loans received by the investment and loan recipient business entity, or may acquire the total investment and loan amount as the total investment and loan amount corresponding to a specific project (a project that the investment and loan amount acquisition unit has accepted from a financial institution, such as a specific business or specific fixed asset).

[0072] The transmitting unit constituting the output unit 240 may send a message (a first message, for example, an email or a chat message via a chat service) to the investment / loan recipient user requesting the user to provide the total investment / loan amount, the receiving unit constituting the input unit 220 may receive a message (a second message) containing the total investment / loan amount sent from the investment / loan recipient user, and the total investment / loan amount acquiring unit may acquire (extract) the total investment / loan amount from data described in or attached to the received message. The transmitting unit may send a request to the investment / loan recipient's server, receive information indicating the total investment / loan amount returned from the server in response to the request, and the total investment / loan amount acquiring unit may acquire the total investment / loan amount from the received information indicating the total investment / loan amount. Note that an extracting unit constituting the acquiring unit 250 may be provided, and the extracting unit may extract the total investment / loan amount.

[0073] The transmission unit may also send a message to a supporter who provides support in calculating indirect greenhouse gas emissions (hereinafter referred to as indirect emissions) by a financial institution, requesting the supporter to specify the investment and loan recipient and to provide a response regarding the total investment and loan amount at the investment and loan recipient, and the reception unit constituting the input unit 220 may receive input of information indicating the total investment and loan amount from the supporter, thereby causing the total investment and loan amount acquisition unit to acquire the total investment and loan amount. The total investment and loan amount acquisition unit may also acquire (extract) the total investment and loan amount from data described in or attached to a message (e.g., an email or a chat message via a chat service) sent from the supporter. The extraction unit may also extract the total investment and loan amount.

[0074] The emission acquisition unit constituting the acquisition unit 250 acquires the greenhouse gas emissions of the investment / loan recipient. For example, the output unit 240 transmits form data into which various information can be input to the investment / loan recipient terminal 101, and the receiving unit receives information indicating the emissions, etc., input into the transmitted form data, thereby enabling the emission acquisition unit to acquire the information indicating the emissions. The investment / loan recipient terminal 101 displays an input screen on which the form data can be displayed. The investment / loan recipient user checks the form data displayed on the input screen of the investment / loan recipient terminal 101 and inputs information such as information indicating the emissions and information indicating the project. When the investment / loan amount per project and the total investment / loan amount are to be acquired, the form data is in a format that allows input of information indicating the emissions corresponding to the project, including information indicating the project. The emission acquisition unit can acquire the greenhouse gas emissions of the investment / loan recipient.

[0075] The emission amount acquisition unit can acquire greenhouse gas emissions at the investment / loan recipient from an external source. As shown by the two-dot chain line in Figure 1, the emission amount acquisition unit is an external server connected to the investment / loan recipient terminal 101, and can access an external management server 200B that calculates greenhouse gas emissions, and use the API provided by management server 200B to acquire information indicating the greenhouse gas emissions at the investment / loan recipient.

[0076] The emission amount acquisition unit may also acquire the emission amount by inquiring about the emission amount from the investment / loan recipient user. For example, the transmission unit sends a message (such as an email or chat message) to the investment / loan recipient user inquiring about the emission amount, and the reception unit receives the message with the emission amount written or attached. The emission amount acquisition unit can acquire the emission amount written or attached to the message sent from the investment / loan recipient terminal 101.

[0077] Furthermore, the emission amount acquisition unit may be configured to, for example, acquire a published report on greenhouse gases by the investee, and acquire (extract) information indicating the emission amount from the acquired report. Note that the extraction unit may be configured to extract the information indicating the emission amount from the report. The emission amount acquisition unit may, for example, acquire the report by accessing the investee's web server. The emission amount acquisition unit may, for example, acquire the report by accessing a server that publicly publishes the report. For example, the transmission unit may send a message (such as an email or chat message) to the investee user instructing them to send the report, the reception unit may receive report data from the investee terminal 101, and the emission amount acquisition unit may acquire the information indicating the emission amount from the received report.

[0078] The attribution ratio calculation unit constituting the calculation unit 210 calculates the attribution ratio of the financial institution to the investment / loan recipient. The attribution ratio calculation unit can calculate the attribution ratio by dividing the investment amount by the total investment amount. The attribution ratio calculation unit may calculate the attribution ratio of the financial institution to the investment / loan recipient business entity, or may calculate the attribution ratio of the financial institution to a specific project at the investment / loan recipient. The attribution ratio calculation unit can calculate the attribution ratio of the financial institution to the investment / loan recipient business entity by dividing the total investment / loan amount (acquired by the investment / loan amount acquisition unit) of the investment / loan amount made by the financial institution to the investment / loan recipient business entity by the total investment / loan amount (acquired by the total investment / loan amount acquisition unit) covering all investments and loans received by the investment / loan recipient business entity. The attribution rate calculation unit can calculate the attribution rate of the financial institution for a specific project at the investment and loan recipient by dividing the total amount of investment and loan made by the financial institution for that project (acquired by the investment and loan amount acquisition unit) by the total amount of investment and loan received by the investment and loan recipient for that project (acquired by the total investment and loan amount acquisition unit).The attribution rate calculation unit (attribution coefficient calculation unit) can calculate the attribution coefficient by dividing the balance of the investment and loan amount by the total investment and loan amount.The attribution rate calculation unit (attribution coefficient calculation unit) can also calculate the attribution coefficient by dividing the balance of the investment and loan amount by the balance of the total investment and loan amount.

[0079] The indirect emission calculation unit constituting the calculation unit 210 can calculate the indirect emission amount, which is special indicator information, by multiplying the emission amount by the attribution rate. The indirect emission calculation unit can calculate the indirect greenhouse gas emission amount of the financial institution, which is special indicator information, by multiplying the greenhouse gas emission amount of the investment or loan recipient by the attribution coefficient.

[0080] The accounting data acquisition unit constituting the acquisition unit 250 acquires accounting data related to the investment / loan recipient. The accounting data acquisition unit may acquire the financial institution's accounting data from the financial institution terminal 102 or the financial institution's server (such as an accounting system). The accounting data acquisition unit may also acquire the financial institution's accounting data using an API provided by the management server 200C. The investment / loan recipient's accounting data may also be acquired from the investment / loan recipient's terminal 101 or the investment / loan recipient's server (such as an accounting system). The accounting data acquisition unit may also acquire the investment / loan recipient's accounting data using an API provided by the management server 200B.

[0081] The total investment amount acquisition unit can calculate the total investment amount based on the accounting data. The total investment amount can also be calculated by a total investment amount calculation unit that constitutes the calculation unit 210.

[0082] The total investment and loan amount acquisition unit, for example, acquires (extracts) accounting data related to a specific project, and the total investment and loan amount calculation unit can calculate the total investment and loan amount based on the acquired accounting data related to the specific project. Note that the extraction unit may also extract accounting data related to the specific project. The total investment and loan amount acquisition unit acquires items corresponding to the project from the item storage unit, and the determination unit constituting the analysis unit 280 can determine whether the accounting data related to the acquired items is related to the project based on whether the acquired items are included in the accounting data related to the acquired items.

[0083] The total investment amount acquisition unit may use AI to identify accounting data corresponding to a project. Identification of accounting data corresponding to a project may be performed by an identification unit constituting the analysis unit 280. For example, the execution unit 290 provides attributes of a specific project and items of the acquired accounting data to a learning model created by machine learning the items included in the accounting data and the attributes of the project to which the items relate, and the determination unit determines whether the accounting data relates to the project. Based on the result of this determination, the identification unit can identify accounting data corresponding to the project. In this case, the management server 200 may be provided with a learning model storage unit that stores the learning model, or an external server may manage the learning model.

[0084] The criterion change unit constituting the execution unit 290 can change the criterion as follows. (1) The standard change unit can change the standard from a first standard (for example, the Japan Standard Industrial Classification) to a second standard (for example, the GICS). (2) The standard change unit can change the standard from the first standard to a third standard (e.g., TCFD). (3) The criterion changing unit can change the criterion from the second criterion to the third criterion. (4) The criterion changing unit can change the criterion from the third criterion to the second criterion.

[0085] When the criteria are changed by the criteria change section, the sector information change section constituting the execution section 290 changes the sector information as follows. (1) When the Standard Change Department changes from the first standard to the second standard, the first sector information is changed to the second sector information. The Sector Information Change Department refers to the first correspondence table and changes from the sector based on the Japan Standard Industrial Classification to the sector based on the GICS. (2) If the Standard Change Department changes from the first standard to the third standard, the first sector information will be changed to the third sector information. The Sector Information Change Department will refer to the second correspondence table and change from the sector based on the Japan Standard Industrial Classification to the sector based on the TCFD. (3) When the standard change unit changes from the second standard to the third standard, the second sector information is changed to the third sector information. The sector information change unit refers to the second correspondence table and changes from the sector based on GICS to the sector based on TCFD. The sector information change unit may refer to the first correspondence table and change to the sector based on the Japan Standard Industrial Classification, and then refer to the second correspondence table and change to the sector based on TCFD. (4) When the standard change unit changes from the third standard to the second standard, the third sector information is changed to the second sector information. The sector information change unit refers to the first correspondence table and changes from the sector based on the TCFD to the sector based on GICS. The sector information change unit may refer to the first correspondence table and change to the sector based on the Japan Standard Industrial Classification, and then refer to the first correspondence table and change to the sector based on GICS.

[0086] The analysis unit 280 can analyze the report. By analyzing the sector-specific information of (1-1) to (1-7), the analysis unit 280 can analyze, for example, which sector's score 1 emissions should be increased. Furthermore, for example, the analysis unit 280 can analyze which company's score 1 emissions should be acquired.

[0087] The analysis unit 280 can analyze information by business entity in addition to information by sector. By analyzing information by business entity, the analysis unit 280 can analyze, for example, which business entity's emissions should be assigned a score of 1.

[0088] The presentation unit constituting the output unit 240 is capable of presenting greenhouse gas emissions relating to a specified sector to the financial institution terminal 102. The specified sector is first sector information, but may also be second sector information or third sector information. When the standard change unit changes from the first standard to the second standard, the presentation unit can switch the greenhouse gas emissions relating to the first sector information to greenhouse gas emissions relating to the second sector information and present them to the financial institution terminal 102. Note that while an example of presenting greenhouse gas emissions has been shown, it is also possible to present investment contribution information, the average score of Scope 1+2 emissions, the average score of Scope 3 emissions, carbon intensity, economic emission intensity, and the business logarithm of the measurement target.

[0089] The presentation unit is capable of presenting the indirect greenhouse gas emissions related to the first sector information to the financial institution terminal 102. When the standard change unit changes the standard, the presentation unit is capable of switching and presenting the indirect greenhouse gas emissions related to a specified sector. For example, when the standard change unit changes from the first standard to the second standard, the presentation unit is capable of switching and presenting the indirect greenhouse gas emissions related to the first sector information (e.g., agriculture) to the indirect greenhouse gas emissions related to the second sector information (e.g., agricultural products).

[0090] <<Operation>> <Operation 1> FIG. 6 is a diagram illustrating operation 1 of the management server 200. The management server 200 stores first sector information (e.g., agriculture) indicating the sector of the investment target based on a first standard (e.g., the Japan Standard Industrial Classification) in the sector information storage unit (S601). The management server 200 stores the greenhouse gas emissions related to the first sector information in the emissions storage unit (S602). The order of S601 and S602 may be reversed. Next, the management server 200 presents the emissions of the first sector information so that they can be confirmed on the financial institution terminal 102 (S603). Next, the management server 200 determines whether the standard has been changed (S604). If it is determined that the standard has been changed (YES in S604), for example, if the standard has been changed from the first standard to the second standard, the management server 200 switches the emissions of the first sector information to the emissions of the second sector information and presents them (S605). On the other hand, if it is determined that the reference has not been changed (NO in S604), the sector information is not changed and this process is terminated.

[0091] By configuring it in this way, it is possible to present emissions and other information related to sectors that meet the criteria to users of the information processing system. Financial institution users can make investment and lending decisions by checking information such as emissions.

[0092] <Operation 2> FIG. 7 is a diagram illustrating operation 2 of the management server 200. The management server 200 acquires the remaining investment and loan amount for the investment and loan recipient (S701). The management server 200 acquires the total investment and loan amount received by the investment and loan recipient (S702). The management server 200 acquires the greenhouse gas emissions of the investment and loan recipient from an external source (S703). Steps S701 to S703 may be performed in any order. Next, the management server 200 calculates an attribution coefficient by dividing the remaining investment and loan amount by the total investment and loan amount (S704). Next, the management server 200 calculates the investment and loan contribution information by multiplying the greenhouse gas emissions of the investment and loan recipient by the attribution coefficient (S705).

[0093] This configuration makes it possible to easily obtain emissions from an external server that holds the emissions of the investment / loan recipient. Furthermore, the obtained emissions can be used to easily calculate investment / loan contribution information related to the investment / loan recipient.

[0094] <Operation 3> FIG. 8 is a diagram illustrating operation 3 of the management server 200. The management server 200 acquires the remaining investment and loan amount for the investment and loan recipient (S801). The management server 200 acquires the remaining balance of the total investment and loan amount received by the investment and loan recipient (S802). The management server 200 acquires the greenhouse gas emissions of the investment and loan recipient (S803). The management server 200 divides the remaining investment and loan amount by the remaining total investment and loan amount to calculate the attribution rate of the financial institution to the investment and loan recipient (S804). The management server 200 multiplies the emissions by the attribution rate to calculate the indirect emissions of the financial institution (S805).

[0095] By configuring it in this way, it is possible to calculate the indirect greenhouse gas emissions of the investment or loan recipient, and financial institution users can make investment or loan decisions by checking the indirect greenhouse gas emissions.

[0096] Although the present embodiment has been described above, the above embodiment is intended to facilitate understanding of the present invention and is not intended to limit the present invention. The present invention may be modified or improved without departing from the spirit thereof, and equivalents thereof are also included in the present invention.

[0097] For example, the processing by each functional unit of the management server 200 described above may be performed by any functional unit. Also, a different functional unit that performs part of the processing by each functional unit described above may be added. Also, the functional units of the management server 200 may be distributed among multiple computers.

[0098] Furthermore, the information stored in each storage unit of the management server may be stored in any of the storage units. That is, the information stored in the above-mentioned multiple storage units may be stored in one storage unit 230, or part of the information stored in one of the above-mentioned storage units may be stored in another storage unit.

[0099] Furthermore, in this embodiment, investment and financing from financial institutions to specific business entities is assumed, but it is also possible to obtain indirect emissions related to investment and financing in projects in which multiple business entities participate, such as real estate and urban development. In this case, it is sufficient to understand that the investment and financing recipient is not a specific business entity, but a specific project such as real estate.

[0100] <Disclosures> The present disclosure also includes the following configurations. [Item 1] a sector information storage unit that stores first sector information (e.g., agriculture) indicating the sector of the investment or loan target based on a first standard (e.g., Japan Standard Industrial Classification); an emission amount storage unit that stores the greenhouse gas emission amount related to the first sector information; a presentation unit capable of presenting greenhouse gas emissions related to the first sector information; a standard changing unit capable of changing the standard from at least the first standard to a second standard (e.g., GICS); Equipped with When the standard change unit changes from the first standard to the second standard, the presentation unit is capable of switching the greenhouse gas emissions related to the first sector information to the greenhouse gas emissions related to second sector information (e.g., agricultural products) and presenting the switched information; An information processing system characterized by: [Item 2] Item 1, an information processing system according to item 1, a sector information change unit that changes the first sector information to the second sector information when the first standard is changed to the second standard by the standard change unit; An information processing system comprising: [Item 3] storing first sector information indicating the sector of the investment or loan target based on a first criterion in a sector information storage unit; storing the greenhouse gas emissions related to the first sector information in an emissions storage unit; presenting greenhouse gas emissions related to the first sector information; changing the criteria from the first criteria to a second criteria; When the first standard is changed to the second standard, switching the greenhouse gas emissions related to the first sector information to the greenhouse gas emissions related to the second sector information and presenting the result; An information processing method characterized by being executed by a computer. [Item 4] storing first sector information indicating the sector of the investment or loan target based on a first criterion in a sector information storage unit; storing the greenhouse gas emissions related to the first sector information in an emissions storage unit; presenting greenhouse gas emissions related to the first sector information; changing the criteria from the first criteria to a second criteria; When the first standard is changed to the second standard, switching the greenhouse gas emissions related to the first sector information to the greenhouse gas emissions related to the second sector information and presenting the result; A program that causes a computer to execute the following. [Item 5] an investment amount acquisition unit that acquires the balance of investment amounts for investment and loan recipients from financial institutions; a total investment and loan amount acquisition unit that acquires the balance of the total investment and loan amount received by the investment and loan recipient; an emission amount acquisition unit that acquires greenhouse gas emissions of the investment and loan recipient; an attribution coefficient calculation unit that calculates an attribution coefficient by dividing the balance of the investment and loan amount by the balance of the total investment and loan amount; an indirect emissions calculation unit that calculates the indirect greenhouse gas emissions of the financial institution by multiplying the greenhouse gas emissions of the investment or loan recipient by an attribution coefficient; a sector information storage unit that stores first sector information (e.g., agriculture) indicating the sector of the investment or loan target based on a first standard (e.g., Japan Standard Industrial Classification); an emission amount storage unit that stores indirect greenhouse gas emissions related to the first sector information; a presentation unit capable of presenting indirect greenhouse gas emissions related to the first sector information; a standard changing unit capable of changing the standard from at least the first standard to a second standard (e.g., GICS); Equipped with When the standard change unit changes from the first standard to the second standard, the presentation unit is capable of switching from the indirect greenhouse gas emissions related to the first sector information to the indirect greenhouse gas emissions related to second sector information (e.g., agricultural products) and presenting the switched information; An information processing system characterized by: [Explanation of symbols]

[0101] 101 Investment and Loan Terminal 102 Financial institution terminals 200 Management Server 200B Management Server 200C Management Server

Claims

1. a sector information storage unit that stores first sector information indicating sectors of investment and loan targets based on a first criterion; an emission amount storage unit that stores the greenhouse gas emission amount related to the first sector information; a presentation unit capable of presenting greenhouse gas emissions related to the first sector information; a criterion changing unit capable of changing the criterion from the first criterion to a second criterion; Equipped with when the standard change unit changes from the first standard to the second standard, the presentation unit is capable of switching the greenhouse gas emissions related to the first sector information to the greenhouse gas emissions related to the second sector information and presenting the switched information; An information processing system characterized by:

2. 2. The information processing system according to claim 1, a sector information changing unit that changes the first sector information to the second sector information when the first standard is changed to the second standard by the standard changing unit; An information processing system comprising:

3. storing first sector information indicating the sector of the investment or loan target based on a first criterion in a sector information storage unit; storing the greenhouse gas emissions related to the first sector information in an emissions storage unit; presenting greenhouse gas emissions related to the first sector information; changing the criteria from the first criteria to a second criteria; When the first standard is changed to the second standard, switching the greenhouse gas emissions related to the first sector information to the greenhouse gas emissions related to the second sector information and presenting the result; An information processing method characterized by being executed by a computer.

4. storing first sector information indicating the sector of the investment or loan target based on a first criterion in a sector information storage unit; storing the greenhouse gas emissions related to the first sector information in an emissions storage unit; presenting greenhouse gas emissions related to the first sector information; changing the criteria from the first criteria to a second criteria; When the first standard is changed to the second standard, switching the greenhouse gas emissions related to the first sector information to the greenhouse gas emissions related to the second sector information and presenting the result; A program that causes a computer to execute the following.

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