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 according to an aspect of the present invention includes: an acquisition unit that acquires, from a financial institution, a balance of a total amount of investment and financing for an entire group to which an investment and financing recipient belongs; an acquisition unit that acquires a balance of a total amount of investment and financing received by the entire group; and an acquisition unit that acquires an amount of greenhouse gas emissions in the entire group.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] 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 main invention of the present invention for solving the above problem is an information processing system comprising: an investment amount acquisition unit that acquires from a financial institution the remaining investment amount for the entire group to which an investment recipient belongs; a total investment amount acquisition unit that acquires the remaining total investment amount received by the entire group; an emissions acquisition unit that acquires the greenhouse gas emissions of the entire group; an attribution rate calculation unit that calculates the attribution rate of the financial institution to the entire group by dividing the remaining investment amount by the remaining total investment amount; and an indirect emissions calculation unit that multiplies the emissions by the attribution rate to calculate the indirect greenhouse gas emissions of the financial institution.

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

[0010] <System Overview> An information processing system according to one embodiment of the present invention will be described below. The information processing system of this embodiment is intended to calculate indirect greenhouse gas emissions (financed emissions) associated with financial institutions. In the information processing system of this embodiment, examples of gases that are the subject of greenhouse gas emission calculations include carbon dioxide (CO2), methane (CH4), nitrous oxide (N2O), hydrofluorocarbons (HFCs), perfluorocarbons (PFCs), sulfur hexafluoride (SF6), and nitrogen trifluoride (NF3).

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

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

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

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

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

[0016] 3 is a diagram illustrating an example of the software configuration of the management server 2. The management server 2 includes an item storage unit 231, an investment amount storage unit 232, a setting information storage unit 233, a group storage unit 234, an investment amount acquisition unit 211, a total investment amount acquisition unit 212, an emission amount acquisition unit 213, an attribution rate calculation unit 214, an indirect emission amount calculation unit 215, and an accounting data acquisition unit 216.

[0017] <Storage section> The item storage unit 231 stores items included in 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.

[0018] The investment and loan amount storage unit 232 stores the investment and loan amount from the financial institution to the investment and loan recipient, and the total investment and loan amount at the investment and loan recipient.

[0019] The investment and loan amount storage unit 232 can store the balance of the investment and loan amount from the financial institution to the investment and loan recipient in association with information identifying the financial institution (hereinafter, financial institution identification information) and information identifying the investment and loan recipient (hereinafter, investment and loan recipient identification information). The investment and loan amount storage unit 232 may store the amount of investment and loan made by the financial institution to the investment and loan recipient and the amount of repayment made by the investment and loan recipient to the financial institution in association with the financial institution identification information, the investment and loan recipient identification information, and time information. In addition to the financial institution identification information and the investment and loan recipient identification information, the investment and loan amount storage unit 232 may also store information identifying the group to which the investment and loan recipient belongs (hereinafter, group identification information) in association with the financial institution identification information and the investment and loan recipient identification information. The group identification information may be, for example, the group name or an ID assigned to the group, or information identifying the parent company of the investment and loan recipient (hereinafter, parent company identification information). In addition, a flag value (consolidation flag) indicating whether the investment and loan recipient is subject to the consolidated financial statements of the group may be stored in association with the investment and loan recipient.

[0020] The investment and loan amount storage unit 232 can store the total investment and loan amount received by the investment and loan recipient in association with the investment and loan recipient identification information. The total investment and loan amount can be the total amount of investments and loans (stocks and debt) received by the investment and loan recipient from financial institutions (which may be one or more). The debt amount can be the remaining loan balance. The value of stocks may be the acquisition price or the current appraised value. Note that if the investment and loan amount storage unit 232 stores the investment and loan amounts from all financial institutions to one investment and loan recipient, the total investment and loan amount can be understood as the sum of these. In addition to the investment and loan recipient identification information, the investment and loan amount storage unit 232 may store group identification information that identifies the group to which the investment and loan recipient belongs in association with the investment and loan recipient.

[0021] The setting information storage unit 233 stores setting information indicating whether the indirect emissions of a financial institution are to be calculated for a business entity such as a specific company or for a group company.

[0022] The group storage unit 234 stores investment and loan destination specification information indicating investment and loan destinations belonging to the group in association with group specification information that specifies the group.

[0023] The emission amount storage unit 235 stores the emission amounts of the investment and loan recipients. The emission amount storage unit 235 can store the emission amounts in association with the investment and loan recipient specification information. The emission amount storage unit 235 can store the emission amounts of the investment and loan recipients in association with the investment and loan recipient specification information and group specification information that specifies the group of the investment and loan recipients.

[0024] The emission amount storage unit 235 may store the emission amount for each group. The emission amount storage unit 235 can store the emission amount of all business entities belonging to a group in association with group identification information that identifies the group.

[0025] <Functional section> The investment and loan amount acquisition unit 211 acquires the investment and loan amount for the investment and loan recipient from the financial institution. The investment and loan amount acquisition unit 211 can, for example, send form data to the financial institution terminal 3 and acquire information indicating the investment and loan recipient and the investment and loan amount from the financial institution terminal 3. The financial institution terminal 3 can display an input screen based on the form data and accept input of information indicating the investment and loan recipient and the investment and loan amount from the financial institution user. The investment and loan amount acquisition unit 211 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.

[0026] The investment and loan amount acquisition unit 211 may acquire, as the investment and loan amount, the total amount (balance) of investment and loan provided by the financial institution to the business entity of the investment and loan recipient, or may acquire, as the investment and loan amount, 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 specific fixed asset). When a specific project is the target, the investment and loan amount acquisition unit 211 can accept information that identifies the project.

[0027] The credit balance from the financial institution to the investment / loan recipient may be used as the investment / loan amount. In this case, the investment / loan amount acquisition unit 211 can acquire the credit balance from the financial institution to the investment / loan recipient. The investment / loan amount acquisition unit 211 can, for example, accept input of the credit balance from a user of the financial institution via the financial institution terminal 3. The investment / loan amount acquisition unit 211 may, for example, access a management system that manages credit amounts at the financial institution, and acquire the credit amount for the investment / loan recipient to be analyzed from the management system.

[0028] The total investment and loan amount acquisition unit 212 acquires the total investment and loan amount received by the investment and loan recipient. The investment and loan amount acquisition unit 211 can, for example, send form data to the investment and loan recipient terminal 1 and acquire the total investment and loan amount from the investment and loan recipient terminal 1. The investment and loan recipient terminal 1 can display an input screen based on the form data and accept input of the total investment and loan amount from the investment and loan recipient user.

[0029] The total investment and loan amount acquisition unit 212 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 211 has accepted from a financial institution, such as a specific business or specific fixed asset).

[0030] The total investment and loan amount acquisition unit 212 may send a message (for example, an email or a chat message via a chat service) to the investment and loan recipient user requesting the total investment and loan amount, receive a message including the total investment and loan amount sent from the investment and loan recipient user, and extract the total investment and loan amount from data described in or attached to the received message.The total investment and loan amount acquisition unit 212 may send a request to the investment and loan recipient's server and receive the total investment and loan amount returned from the server in response to the request.

[0031] Furthermore, the total investment and loan amount acquisition unit 212 may send a message to a supporter who assists 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 destination and to respond with the total investment and loan amount at the investment and loan destination, and may accept input of the total investment and loan amount from the supporter. The total investment and loan amount acquisition unit 212 may extract the total investment and loan amount from data described in or attached to a message sent from the supporter (for example, an email or a chat message via a chat service).

[0032] The total investment and loan amount acquisition unit 212 can associate the acquired total investment and loan amount with information specifying the investment and loan amount and register it in the investment and loan amount storage unit 232. The total investment and loan amount acquisition unit 212 can acquire group identification information indicating the group to which the investment and loan recipient belongs, and further associate the group identification information with the investment and loan amount storage unit 232 and register it therein.

[0033] The emission acquisition unit 213 acquires the greenhouse gas emissions of the investment / loan recipient. The emission acquisition unit 213 can, for example, send form data to the investment / loan recipient terminal 1 and acquire the emission amounts from the investment / loan recipient terminal 1. The investment / loan recipient terminal 1 can display an input screen based on the form data and accept input of emission amounts from the investment / loan recipient user. When the investment amount and total investment amount for each project are to be acquired, the form data can include information indicating the project so that the emission amounts corresponding to the project can be input.

[0034] Furthermore, the emission amount acquisition unit 213 may inquire about the emission amount from the investment / loan recipient user. For example, the emission amount acquisition unit 213 can send a message (such as an email or chat message) to the investment / loan recipient user inquiring about the emission amount, and acquire the emission amount written in or attached to the message sent from the investment / loan recipient terminal 1.

[0035] Furthermore, the emission amount acquisition unit 213 may, for example, acquire a published report on greenhouse gas emissions by the investee, and extract the emission amounts from the report. The emission amount acquisition unit 213 may, for example, acquire the report by accessing the investee's web server. The emission amount acquisition unit 213 may, for example, acquire the report by accessing a server that publicly publishes the report. The emission amount acquisition unit 213 may, for example, send a message (such as an email or chat message) to the investee user instructing them to send the report, and receive report data from the investee terminal 1.

[0036] The emission amount acquiring unit 213 can register the acquired emission amount in the emission amount storage unit 235 in association with investment / loan recipient identification information that indicates the investment / loan recipient. The emission amount acquiring unit 213 can also acquire the emission amount for the entire group. For example, the emission amount acquiring unit 213 can accept input of the total emission amount for the entire group from a user of one of the investment / loan recipients (for example, the parent company) that belongs to the group. The emission amount acquiring unit 213 can also acquire the total emission amount for the group, for example, by accessing an emission management system that manages greenhouse gas emissions. When the emission amount for the entire group is acquired, the emission amount acquiring unit 213 can register the emission amount in the emission amount storage unit 235 in association with group identification information that identifies the group.

[0037] The attribution rate calculation unit 214 calculates the attribution rate of the financial institution to the investment / loan recipient. The attribution rate calculation unit 214 can calculate the attribution rate by dividing the investment / loan amount by the total investment / loan amount. The attribution rate calculation unit 214 may calculate the attribution rate of the financial institution to the investment / loan recipient business entity, or may calculate the attribution rate of the financial institution to a specific project at the investment / loan recipient. The attribution rate calculation unit 214 can calculate the attribution rate of the financial institution to the investment / loan recipient business entity by dividing the total amount of investment / loan made by the financial institution to the investment / loan recipient business entity (acquired by the investment / loan amount acquisition unit 211) by the total investment / loan amount covering all investments / loans received by the investment / loan recipient business entity (acquired by the total investment / loan amount acquisition unit 212). The attribution rate calculation unit 214 can calculate the attribution rate of the financial institution to the project by dividing the total amount of investment and loan made by the financial institution to a specific project at the investment and loan recipient (acquired by the investment and loan amount acquisition unit 211) by the total amount of investment and loan received by the investment and loan recipient for the project (acquired by the total investment and loan amount acquisition unit 212).

[0038] When calculating indirect emissions by group of investment and loan recipients, the attribution ratio calculation unit 214 can calculate the attribution ratio by group. The attribution ratio calculation unit 214 can calculate the attribution ratio after aggregating the investment and loan amount and the total investment and loan amount for each group identification information. The attribution ratio calculation unit 214 reads out group identification information corresponding to the investment and loan recipient to be analyzed from the group storage unit 234. The attribution ratio calculation unit 214 may, for example, accept designation of group identification information from a user. The attribution ratio calculation unit 214 reads out the investment and loan amount and the total investment and loan amount corresponding to the group identification information from the investment and loan amount storage unit 232, and calculates the investment and loan amount by group by adding up the read investment and loan amounts and the total investment and loan amounts, and can calculate the attribution ratio by group by dividing the investment and loan amount by the total investment and loan amount.

[0039] The indirect emission calculation unit 215 can calculate the indirect emission amount by multiplying the emission amount by the attribution rate.

[0040] When calculating indirect emissions on a group-by-group basis, the indirect emission calculation unit 215 acquires from the emission storage unit 235 the emissions corresponding to the group identification information (acquired by the attribution rate calculation unit 214) indicating the group to be analyzed (and the corresponding consolidated flag indicates that the group is subject to consolidated accounting), and can calculate the emissions on a group-by-group basis by summing up the acquired emissions. If the emissions for the entire group are registered in association with the group identification information, those emissions can be used. The indirect emission calculation unit 215 can calculate the indirect greenhouse gas emissions of the financial institutions related to the group by multiplying the emissions on a group-by-group basis by the attribution rate on a group-by-group basis.

[0041] The accounting data acquisition unit 216 acquires accounting data related to the investment / loan recipient. The accounting data acquisition unit 216 may acquire the financial institution's accounting data from the financial institution terminal 3 or the financial institution's server (such as an accounting system), or may acquire the investment / loan recipient's accounting data from the investment / loan recipient terminal 1 or the investment / loan recipient's server (such as an accounting system).

[0042] The total investment and loan amount acquisition unit 212 can calculate the total investment and loan amount based on the accounting data.

[0043] The total investment and loan amount acquisition unit 212 can, for example, extract accounting data related to a specific project and calculate the total investment and loan amount based on the extracted accounting data. The total investment and loan amount acquisition unit 212 can acquire items corresponding to a project from the item storage unit 231 and determine whether the acquired accounting data relates to the project based on whether the acquired items are included in the acquired accounting data.

[0044] The total investment and loan amount acquisition unit 212 may use AI to identify accounting data corresponding to a project. For example, the total investment and loan amount acquisition unit 212 can determine whether the accounting data relates to a specific project by providing 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. In this case, the management server 2 may be provided with a learning model storage unit that stores the learning model, or an external server may be configured to manage the learning model.

[0045] <Operation> FIG. 4 is a diagram illustrating the operation of the management server 2.

[0046] The management server 2 obtains from the financial institution the remaining investment amount for the investment recipient or the entire group (S301), obtains the remaining total investment amount received by the investment recipient or the entire group (S302), and obtains the greenhouse gas emissions of the investment recipient or the entire group (S303).

[0047] When calculating indirect emissions on a group basis (S304: YES), if the investment amount / total investment amount / emissions on a group basis have not been registered (S305: NO), the management server 2 calculates the investment amount balance on a group basis by adding up the investment amount balances corresponding to the group (corresponding to the investment and loan recipients belonging to the group) (S306), calculates the total investment and loan amount balance on a group basis by adding up the total investment and loan amounts corresponding to the group (S307), and calculates the emissions on a group basis by adding up the emissions corresponding to the group (S308).

[0048] The management server 2 divides the remaining investment amount by the remaining total investment amount to calculate the attribution rate to the investment or group by the financial institution (S309), and multiplies the emissions by the attribution rate to calculate the indirect emissions of the financial institution (S310).

[0049] As described above, the information processing system of this embodiment can calculate the indirect greenhouse gas emissions related to the recipients of investments and loans by financial institutions.

[0050] 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.

[0051] For example, the processing by each of the functional units of the management server 2 described above may be performed by any of the functional units. Also, a different functional unit that performs part of the processing by each of the functional units described above may be added. Also, the functional units of the management server 2 may be distributed across multiple computers.

[0052] Furthermore, the information stored in each storage unit of the management server 2 may be stored in any of the storage units. That is, the information stored in the above-mentioned multiple storage units may be stored in one storage unit, or part of the information stored in one of the above-mentioned storage units may be stored in another storage unit.

[0053] Furthermore, in this embodiment, investment and financing from financial institutions to specific business entities is assumed, but it is also possible to obtain indirect greenhouse gas 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.

[0054] <Disclosures> The present disclosure also includes the following configurations. [Item 1] an investment and loan amount acquisition unit that acquires from financial institutions the balance of the investment and loan amount for the entire group to which the investment and loan recipient belongs; a total investment and loan amount acquisition unit that acquires the balance of the total investment and loan amount received by the entire group; an emission amount acquisition unit that acquires the greenhouse gas emission amount of the entire group; an attribution ratio calculation unit that calculates an attribution ratio of the financial institution to the entire group by dividing the balance of the investment and loan amount by the balance of the total investment and loan amount; an indirect emission calculation unit that calculates the indirect greenhouse gas emissions of the financial institution by multiplying the emissions by the attribution rate; An information processing system comprising: [Item 2] Item 1, an information processing system according to item 1, the investment and loan amount acquisition unit acquires the balance of the investment and loan amount that the investment and loan recipient has received from the financial institution; the total investment and loan amount acquisition unit acquires the balance of the total investment and loan amount received by the investment and loan recipient; the attribution ratio calculation unit calculates the attribution ratio of the financial institution to the group by dividing the total balance of the investment and loan amounts corresponding to the investment and loan recipients belonging to the group by the total balance of the total investment and loan amounts corresponding to the investment and loan recipients belonging to the group; An information processing system characterized by: [Item 3] Item 1, an information processing system according to item 1, the emission amount acquisition unit acquires the emission amount of the investment or loan recipient; the indirect emission calculation unit calculates the indirect greenhouse gas emissions of the financial institution by multiplying the total of the emissions corresponding to the investment and loan recipients belonging to the group by the attribution rate; An information processing system characterized by: [Item 4] obtaining from the financial institution the balance of the investment amount for the entire group to which the investment / loan recipient belongs; obtaining a balance of the total investment amount received by the entire group; obtaining greenhouse gas emissions for the entire group; a step of calculating an attribution ratio of the financial institution to the entire group by dividing the balance of the investment amount by the balance of the total investment amount; multiplying the emissions by the attribution rate to calculate the financial institution's indirect greenhouse gas emissions; An information processing method characterized by being executed by a computer. [Item 5] obtaining from the financial institution the balance of the investment amount for the entire group to which the investment / loan recipient belongs; obtaining a balance of the total investment amount received by the entire group; obtaining greenhouse gas emissions for the entire group; a step of calculating an attribution ratio of the financial institution to the entire group by dividing the balance of the investment amount by the balance of the total investment amount; multiplying the emissions by the attribution rate to calculate the financial institution's indirect greenhouse gas emissions; A program that causes a computer to execute the following. [Explanation of symbols]

[0055] 1. Investment and loan recipient terminal 2 Management Server 3 Financial institution terminals

Claims

1. an investment and loan amount acquisition unit that acquires from financial institutions the balance of the investment and loan amount for the entire group to which the investment and loan recipient belongs; a total investment and loan amount acquisition unit that acquires the balance of the total investment and loan amount received by the entire group; an emission amount acquisition unit that acquires the greenhouse gas emission amount of the entire group; an attribution ratio calculation unit that calculates an attribution ratio of the financial institution to the entire group by dividing the balance of the investment and loan amount by the balance of the total investment and loan amount; an indirect emission calculation unit that calculates the indirect greenhouse gas emissions of the financial institution by multiplying the emissions by the attribution rate; An information processing system comprising:

2. 2. The information processing system according to claim 1, the investment and loan amount acquisition unit acquires the balance of the investment and loan amount that the investment and loan recipient has received from the financial institution; the total investment and loan amount acquisition unit acquires the balance of the total investment and loan amount received by the investment and loan recipient; the attribution ratio calculation unit calculates the attribution ratio of the financial institution to the group by dividing the total balance of the investment and loan amounts corresponding to the investment and loan recipients belonging to the group by the total balance of the total investment and loan amounts corresponding to the investment and loan recipients belonging to the group; An information processing system characterized by:

3. 2. The information processing system according to claim 1, the emission amount acquisition unit acquires the emission amount of the investment or loan recipient; the indirect emission calculation unit calculates the indirect greenhouse gas emissions of the financial institution by multiplying the total of the emissions corresponding to the investment and loan recipients belonging to the group by the attribution rate; An information processing system characterized by:

4. obtaining from the financial institution the balance of the investment amount for the entire group to which the investment / loan recipient belongs; obtaining a balance of the total investment amount received by the entire group; obtaining greenhouse gas emissions for the entire group; a step of calculating an attribution ratio of the financial institution to the entire group by dividing the balance of the investment amount by the balance of the total investment amount; multiplying the emissions by the attribution rate to calculate the financial institution's indirect greenhouse gas emissions; An information processing method characterized by being executed by a computer.

5. obtaining from the financial institution the balance of the investment amount for the entire group to which the investment / loan recipient belongs; obtaining a balance of the total investment amount received by the entire group; obtaining greenhouse gas emissions for the entire group; a step of calculating an attribution ratio of the financial institution to the entire group by dividing the balance of the investment amount by the balance of the total investment amount; multiplying the emissions by the attribution rate to calculate the financial institution's indirect greenhouse gas emissions; A program that causes a computer to execute the following.

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