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 comprising: an investment and loan amount acquisition unit that acquires a balance of an investment and loan amount for an investment and loan recipient from a financial institution; a total investment and loan amount acquisition unit that acquires a balance of a total investment and loan amount received by the investment and loan recipient; And an indirect emission amount calculation part for calculating an indirect emission amount which is an indirect emission amount of greenhouse gas of the financial institution, wherein the indirect emission amount is not calculated when the financed company to be calculated is a group company of the financial institution.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 the remaining investment amount for an investment or loan recipient from a financial institution; a total investment amount acquisition unit that acquires the remaining balance of the total investment or loan amount received by the investment or loan recipient; an emissions acquisition unit that acquires the greenhouse gas emissions of the investment or loan recipient; an attribution rate calculation unit that calculates the attribution rate of the financial institution to the investment or loan recipient by dividing the remaining investment amount by the remaining total investment or loan amount; and an indirect emissions calculation unit that multiplies the emissions by the attribution rate to calculate indirect emissions, which are the indirect greenhouse gas emissions of the financial institution; and if the investment or loan recipient to be calculated is a group company of the financial institution, the indirect emissions are not calculated.

[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 is described below. The information processing system of this embodiment calculates indirect greenhouse gas emissions (financed emissions, hereinafter referred to as indirect emissions) associated with a financial institution. In this information processing system, examples of gases used to calculate greenhouse gas emissions include carbon dioxide (CO2), methane (CH4), nitrous oxide (N2O), hydrofluorocarbons (HFCs), perfluorocarbons (PFCs), sulfur hexafluoride (SF6), and nitrogen trifluoride (NF3). Indirect emissions are calculated based on the ratio of the amount of investment or credit provided by the financial institution to the total amount of investment and credit received by the financial institution. Investments and credits can be any entity that receives investments or credits from a financial institution, including companies, organizations, individuals, governments, and local governments. Investments and credits can be provided to specific businesses or assets, or to entire business entities.

[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, a group information storage unit 232, an investment amount acquisition unit 211, a total investment amount acquisition unit 212, an emissions amount acquisition unit 213, an attribution rate calculation unit 214, an indirect emissions 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 group information storage unit 232 stores information specifying an investment or loan recipient that is a group company of a financial institution (hereinafter referred to as investment or loan recipient specification information). The group information storage unit 232 stores investment or loan recipient specification information that specifies an investment or loan recipient that is a group company of the financial institution, in association with information specifying a financial institution (hereinafter referred to as financial institution specification information).

[0019] The financial institution identification information may be, for example, the name of the financial institution, the financial institution code, an identifier that can uniquely identify the financial institution, etc. The investment / loan recipient identification information may be, for example, the name of the investment / loan recipient, the corporate number, an identifier that can uniquely identify the investment / loan recipient, etc.

[0020] The data to be registered in the group information storage unit 232 can be provided by, for example, a financial institution. For example, the administrator of the management server 2 can register information about group companies provided by a financial institution in the group information storage unit 232. Alternatively, the management server 2 may acquire data from the system of the financial institution and register the data in the group information storage unit 232.

[0021] The data registered in the group information storage unit 232 may be generated using group company information provided by public institutions, etc. For example, information on group companies of financial institutions can be obtained from corporate group information provided by the Financial Services Agency, the National Tax Agency, etc., or from private company information databases, etc., and the data in the group information storage unit 232 can be generated based on that information.

[0022] The attribution rate calculation unit 214 and the indirect emission calculation unit 215, which will be described later, and the like can determine whether the information specifying the investment or loan recipient to be calculated is a group company of the financial institution by referring to the group information storage unit 232. For example, if the corporate number or the like of the investment or loan recipient to be calculated is registered in the group information storage unit 232 as investment or loan recipient specification information, the investment or loan recipient is determined to be a group company of the financial institution.

[0023] The method for determining whether a company is a group company is not limited to the above method. The group information storage unit 232 can register information indicating the relationship between the financial institution and the group company, such as the voting rights ownership ratio and capital relationship. In this case, the attribution rate calculation unit 214 etc. can determine the range of group companies for each investment / loan recipient based on this information. For example, an investment / loan recipient with a voting rights ownership ratio of 50% can be determined to be a group company.

[0024] <Functional section> The investment and loan amount acquisition unit 211 acquires from the financial institution the investment and loan amount for the investment and loan recipient. The investment and loan amount may be any amount of funding provided by the financial institution to the investment and loan recipient, such as a loan amount, an investment amount, or a guarantee amount. 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.

[0025] 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.

[0026] 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.

[0027] The total investment and loan amount acquisition unit 212 acquires the total investment and loan amount received by the investment and loan recipient from 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). The debt amount can be the remaining loan balance. The value of the stocks can be the acquisition amount or the current appraised value. 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.

[0028] 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).

[0029] 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.

[0030] 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).

[0031] The total investment and loan amount acquired by the total investment and loan amount acquisition unit 212 may be the total amount of investment and loan that the investment recipient has received from financial institutions, or the total amount of funds that the investment recipient has raised from the financial market. The total investment and loan amount may be the balance at a predetermined point in time, or the total amount for a predetermined period.

[0032] 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.

[0033] 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.

[0034] The emission amount acquisition unit 213 may also 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 acquire the report, for example, by accessing the investee's web server. The emission amount acquisition unit 213 may acquire the report, for example, by accessing a server on which a third party, such as a public institution, publicly publishes reports. For example, national and local governments, industry associations, etc. may compile and publish greenhouse gas emissions data for companies. By acquiring this published data, the emission amount acquisition unit 213 can acquire the investee's emission amount. For example, the emission amount acquisition unit 213 may access an external emission amount database and search for and acquire the emission amount data of the investee using the investee's identification information (e.g., corporate number, securities code, etc.). The emission amount database may be, for example, a database operated by a national or local government, etc., or a database provided by a private company. The emission amount database may be connected to the management server 2 via a network and configured to provide emission amount data in response to a request from the management server 2. The emission amount acquisition unit 213 may, for example, send a message (such as an email or chat message) to the investment / loan recipient user instructing them to send a report, and receive report data from the investment / loan recipient terminal 1.

[0035] The emission amount acquisition unit 213 can also be configured to acquire data from an external emission amount database and also acquire data directly from the investment or loan recipient. In this case, the data acquired directly from the investment or loan recipient is regarded as correct, and data that could not be acquired from the investment or loan recipient can be supplemented with data acquired from the external emission amount database. Furthermore, if there is a discrepancy between the data acquired from the external emission amount database and the data acquired directly from the investment or loan recipient, the user of the investment or loan recipient can be informed of this.

[0036] The greenhouse gas emissions acquired by the emission acquisition unit 213 are not particularly limited as long as they are emissions of greenhouse gases such as carbon dioxide (CO2), methane (CH4), nitrous oxide (N2O), hydrofluorocarbons (HFCs), perfluorocarbons (PFCs), sulfur hexafluoride (SF6), nitrogen trifluoride (NF3), etc. Furthermore, the emissions may be CO2 equivalent emissions, or the emissions of each greenhouse gas may be acquired individually.

[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] If the investment destination is a group company of the financial institution, the attribution rate calculation unit 214 can set the attribution rate to 0 and not calculate the indirect emissions.

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

[0040] If the investment or loan recipient to be calculated is a group company of the financial institution, it is possible not to calculate the indirect emissions for that investment or loan recipient. Investments and loans between group companies can be considered to be handled separately within the emissions management of the entire group. If the investment recipient is a group company of the financial institution, the indirect emissions calculation unit 215 can not calculate indirect emissions or can calculate indirect emissions as 0.

[0041] The indirect emission calculation unit 215 can acquire information identifying the investment and loan recipients to be calculated, and query the group information storage unit 232 for that information. Information identifying investment and loan recipients that are group companies of the financial institution is registered in the group information storage unit 232. When information identifying the investment and loan recipients to be calculated is registered in the group information storage unit 232, the indirect emission calculation unit 215 can determine that the investment and loan recipient is a group company of the financial institution, and can avoid calculating indirect emissions for that investment and loan recipient. By excluding investment and loan recipients that are group companies from the calculation of indirect emissions, it becomes possible to more accurately grasp the indirect emissions of financial institutions from investment and loan recipients outside the group.

[0042] The method for determining whether a financial institution is a group company is not limited to the above method. For example, information indicating the financial institution's group companies may be stored in advance in the memory of the management server 2, and the management server 2 may determine whether the investment or loan recipient to be calculated is a group company. Alternatively, the management server 2 may obtain information about the financial institution's group companies from an external database or the like.

[0043] 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).

[0044] The total investment and loan amount acquisition unit 212 can calculate the total investment and loan amount based on the accounting data.

[0045] 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.

[0046] 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.

[0047] <Operation> FIG. 4 is a diagram illustrating the operation of the management server 2.

[0048] The management server 2 acquires the remaining investment and loan amount for the investment and loan recipient from the financial institution (S301), acquires the remaining balance of the total investment and loan amount received by the investment and loan recipient (S302), and calculates the attribution rate of the financial institution to the investment and loan recipient by dividing the remaining investment and loan amount by the remaining total investment and loan amount (S303).

[0049] If the investment or loan recipient is a group of financial institutions (S304: YES), the management server 2 does not calculate the indirect emissions (S305) and ends the process.

[0050] If the investment or loan recipient is not a group of financial institutions (S304: NO), the management server 2 obtains the greenhouse gas emissions of the investment or loan recipient (S306), and multiplies the emissions by the attribution rate to calculate the indirect emissions of the financial institution (S307).

[0051] 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.

[0052] 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.

[0053] 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.

[0054] Furthermore, the information stored in each storage unit of the management server may be stored in any of the storage units. That is, the information stored in the above-mentioned multiple storage units may be stored in one storage unit, or part of the information stored in one of the above-mentioned storage units may be stored in another storage unit.

[0055] 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.

[0056] In the above embodiment, it is assumed that the investment recipient is a company, but it can also be applied to the case where the investment recipient is an individual. For example, when a financial institution provides a mortgage to an individual, the greenhouse gas emissions associated with the individual's daily life can be calculated as indirect emissions. In this case, the total investment amount can be, for example, the remaining balance of the mortgage that the individual has borrowed from the financial institution.

[0057] The above embodiment can also be applied to project finance. Project finance refers to investment and financing for a specific project, with the repayment source being the cash flow generated from the project. In this case, the investment and financing recipient is the company, organization, etc. that is the main body of the project. The total investment and financing amount can be the total amount of investment and financing for the project.

[0058] It can also be applied to stock investments made by financial institutions in investee companies. In this case, the investment amount can be the amount of stock investment, and the total investment amount can be the market capitalization or total assets of the investee company. Indirect emissions can be calculated by multiplying the investee company's greenhouse gas emissions by the shareholding ratio.

[0059] It can also be used to measure the impact of financial institutions investing in environmental projects. For example, if a financial institution invests in a renewable energy power generation project, the effect of that project in replacing fossil fuels can be measured and calculated as the financial institution's indirect greenhouse gas reductions.

[0060] <Disclosures> The present disclosure also includes the following configurations. [Item 1] 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 ratio calculation unit that calculates an attribution ratio of the financial institution to the investment and loan recipient 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 indirect emissions, which are the indirect greenhouse gas emissions of the financial institution, by multiplying the emissions by the attribution rate; Equipped with If the investment or loan recipient subject to calculation is a group company of the financial institution, the indirect emissions will not be calculated. An information processing system characterized by: [Item 2] Item 1, an information processing system according to item 1, a group information storage unit that stores investment and loan destination identification information that identifies the investment and loan destinations that belong to the same group as the financial institution; the indirect emission calculation unit does not calculate the indirect emission amounts when the investment / loan destination specification information is registered in the group information storage unit; An information processing system characterized by: [Item 3] Item 1, an information processing system according to item 1, a group information storage unit that stores investment and loan destination identification information that identifies the investment and loan destinations that belong to the same group as the financial institution; the attribution rate calculation unit sets the attribution rate to 0 when the investment / loan destination specification information is registered in the group information storage unit; An information processing system characterized by: [Item 4] obtaining a balance of investments and loans to the investment recipient from the financial institution; obtaining a balance of the total investment amount received by the investment and loan recipient; acquiring greenhouse gas emissions of the investment recipient; a step of calculating an attribution rate of the financial institution to the investment and loan recipient by dividing the balance of the investment and loan amount by the balance of the total investment and loan amount; multiplying the emissions by the attribution rate to calculate indirect emissions, which are the indirect greenhouse gas emissions of the financial institution; The computer executes In the step of calculating the indirect emissions, if the investment or loan recipient to be calculated is a group company of the financial institution, the indirect emissions are not calculated; An information processing method comprising: [Item 5] obtaining a balance of investments and loans to the investment recipient from the financial institution; obtaining a balance of the total investment amount received by the investment and loan recipient; acquiring greenhouse gas emissions of the investment recipient; a step of calculating an attribution rate of the financial institution to the investment and loan recipient by dividing the balance of the investment and loan amount by the balance of the total investment and loan amount; multiplying the emissions by the attribution rate to calculate indirect emissions, which are the indirect greenhouse gas emissions of the financial institution; A program for causing a computer to execute the above, In the step of calculating the indirect emissions, if the investment or loan recipient to be calculated is a group company of the financial institution, the indirect emissions are not calculated; A program characterized by. [Explanation of symbols]

[0061] 1. Investment and loan recipient terminal 2 Management Server 3 Financial institution terminals

Claims

1. 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 ratio calculation unit that calculates an attribution ratio of the financial institution to the investment and loan recipient 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 indirect emissions, which are the indirect greenhouse gas emissions of the financial institution, by multiplying the emissions by the attribution rate; Equipped with If the investment or loan recipient subject to calculation is a group company of the financial institution, the indirect emissions will not be calculated. An information processing system characterized by:

2. 2. The information processing system according to claim 1, a group information storage unit that stores investment and loan destination identification information that identifies the investment and loan destinations that belong to the same group as the financial institution; the indirect emission calculation unit does not calculate the indirect emission amounts when the investment / loan destination specification information is registered in the group information storage unit; An information processing system characterized by:

3. 2. The information processing system according to claim 1, a group information storage unit that stores investment and loan destination identification information that identifies the investment and loan destinations that belong to the same group as the financial institution; the attribution rate calculation unit sets the attribution rate to 0 when the investment / loan destination specification information is registered in the group information storage unit; An information processing system characterized by:

4. obtaining a balance of investments and loans to the investment recipient from the financial institution; obtaining a balance of the total investment amount received by the investment and loan recipient; acquiring greenhouse gas emissions of the investment recipient; a step of calculating an attribution rate of the financial institution to the investment and loan recipient by dividing the balance of the investment and loan amount by the balance of the total investment and loan amount; multiplying the emissions by the attribution rate to calculate indirect emissions, which are the indirect greenhouse gas emissions of the financial institution; The computer executes In the step of calculating the indirect emissions, if the investment or loan recipient to be calculated is a group company of the financial institution, the indirect emissions are not calculated; An information processing method comprising:

5. obtaining a balance of investments and loans to the investment recipient from the financial institution; obtaining a balance of the total investment amount received by the investment and loan recipient; acquiring greenhouse gas emissions of the investment recipient; a step of calculating an attribution rate of the financial institution to the investment and loan recipient by dividing the balance of the investment and loan amount by the balance of the total investment and loan amount; multiplying the emissions by the attribution rate to calculate indirect emissions, which are the indirect greenhouse gas emissions of the financial institution; A program for causing a computer to execute the above, In the step of calculating the indirect emissions, if the investment or loan recipient to be calculated is a group company of the financial institution, the indirect emissions are not calculated; A program characterized by.

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