Financial risk assessment methods, methods for preparing financial risk assessment reports, and financial risk assessment support systems.

Abstract

This invention provides a simple and efficient method for evaluating the financial risks of a target company using text generation AI. [Solution] In a system in which a management terminal 1 performs desired communication and information processing via a network with a server, a text generation AI 3, etc., the financial risk assessment method includes: a first step of acquiring accounting information of the target company for each account; a second step of creating a prompt requesting assumed financial risks based on the acquired information; a third step of requesting assumed financial risks from the management terminal to the text generation AI based on the created prompt; a fourth step of creating a prompt requesting an assessment of the magnitude of the financial risks acquired by the text generation AI and described in the text; and a fifth step of requesting an assessment of the magnitude of the financial risks from the management terminal to the text generation AI based on the created prompt, thereby evaluating the financial risks described in the acquired text as the financial risks of the target company.

Description

Technical Field

[0001] The present invention relates to a financial risk assessment method, a method for creating a financial risk assessment report, and a financial risk assessment support system.

Background Art

[0002] In the evaluation business of evaluating the assets of a target company, various evaluation methods and evaluation systems have been developed. As a technology for evaluating the business performance of a target company, the following patent technology (Patent Technology 1) can be cited.

[0003] In the document (Patent Document 1) related to Patent Technology 1, there is a business performance evaluation method for evaluating the business performance of an operator engaged in a power generation business by a server connected to an evaluator's terminal. From the database of the server, a first terminal of an evaluator who evaluates the equipment of the operator, a second terminal of an evaluator who tests and inspects the equipment constituting the operator's equipment by a test device and evaluates the equipment, and a third terminal of an evaluator who conducts on-site evaluation at the location where the operator's equipment is installed. A step of transmitting an evaluation sheet in which evaluation items and their evaluation methods for movable property evaluation, power generation risk evaluation, and disaster risk evaluation are described; receiving, as evaluation results, the evaluation sheets filled in by the evaluator from the first, second, and third terminals, and for each evaluation sheet, aggregating the evaluation points and converting them into a predetermined evaluation index; calculating a future value price obtained by subtracting the total amount of expenses from the electricity sales amount calculated from the power generation amount and the electricity price per unit of electricity from the time of evaluation to a predetermined number of years; weighting each of the evaluation indexes converted in each of the evaluation sheets, and multiplying the total coefficient after the decimal point by the future value price to calculate a predicted selling value price. A business performance evaluation method characterized by comprising the above steps is described.

[0004] Furthermore, in recent years, with the development of AI (Artificial Intelligence) technology, AI has come to be used in a variety of situations. The following patented technology (Patent Technology 2) is an example of a technology that uses AI to assist in the creation of business documents such as drawings.

[0005] A document relating to Patent Technology 2 (Patent Document 2) describes a method for a computer to create technical documentation for software, comprising the steps of: acquiring descriptive data expressing a description of the software, wherein the descriptive data includes at least one of one or more sentences and one or more images; making a first request to a first generative AI model to generate one or more use cases occurring in the software based on the descriptive data; and making a second request to a second generative AI model to generate one or more business logic corresponding to at least one of the one or more use cases.

[0006] Patent Technology 1 aims to provide a business feasibility assessment of a target company, including the valuation of movable assets. However, this technology does not necessarily envision the use of AI technology, nor does it solve the technical challenges associated with using AI technology.

[0007] Patent Technology 2 aims to streamline the creation of technical documents necessary for software development and other applications using AI technology. However, the creation of technical documents and the creation of financial risk assessment reports are significantly different. For example, financial risks vary greatly depending on the business activities of the target company, and therefore the creation process and difficulty differ significantly from that of standardized technical documents.

[0008] Financial risk assessment involves a wide range of evaluation targets. Therefore, a financial risk assessment that simply utilizes information obtained through repeated dialogue with AI would result in an enormous workload. Furthermore, the interaction with AI would introduce noise, leading to a decrease in assessment quality. Considering these problems, this invention aims to provide a simpler and more efficient way to assess the financial risk of a target company. [Prior art documents] [Patent Documents]

[0009] [Patent Document 1] Patent No. 6327684 [Patent Document 2] Patent No. 7503700 [Overview of the project] [Problems that the invention aims to solve]

[0010] The problem that this invention aims to solve is to provide a simple and efficient method for evaluating the financial risks of a target company.

[0011] The first invention is a financial risk assessment method that involves requesting a text generation AI from a predetermined terminal via a network to indicate the financial risks of a target company, and evaluating the financial risks described in the text obtained by the request as the financial risks of the target company, comprising: a first step of obtaining financial information of the target company for each account; a second step of creating a prompt to request assumed financial risks based on the financial information obtained in the first step; a third step of requesting the assumed financial risks from the terminal to the text generation AI based on the prompt created in the second step; a fourth step of creating a prompt to request an evaluation of the magnitude of the financial risks described in the text obtained in the third step; and a fifth step of requesting an evaluation of the magnitude of the financial risks from the terminal to the text generation AI based on the prompt created in the fourth step. Furthermore, the second invention is a financial risk assessment method which involves requesting a text generation AI from a predetermined terminal via a network to indicate the financial risks of a target company, and evaluating the financial risks described in the text obtained by the request as the financial risks of the target company, comprising: a first step of obtaining financial information of the target company for each account; a second step of reflecting predetermined information in the financial information obtained in the first step and creating a prompt to request the assumed financial risks based thereon; and a third step of requesting the assumed financial risks from the text generation AI from the terminal based on the prompt created in the second step. The financial risk assessment method includes a fourth step of creating a prompt requesting an assessment of the magnitude of the financial risks described in the text obtained in the third step, and a fifth step of requesting the text generation AI from the terminal to assess the magnitude of the financial risks based on the prompt created in the fourth step, wherein the predetermined information in the second step is under the management of a management server that manages information linked in advance for each account in order to request the text generation AI to assess the financial risks of the target company, and is provided to the terminal as information linked to an account that matches the account of the information obtained in the first step.Furthermore, the third invention is a method for creating a financial risk assessment report, in which the document reflecting the information identified as the financial risk of the target company by the financial risk assessment method of the first or second invention is used as a reporting item. Furthermore, the fourth invention is a financial risk assessment support system for supporting the financial risk assessment of a target company, comprising: financial information acquisition means for acquiring the financial information of the target company by account; prompt creation information provision means for providing information for creating a prompt that requests the financial risk of the target company from a text generation AI based on the financial information acquired by the financial information acquisition means; and text generation AI communication means for making a predetermined request to the text generation AI and acquiring text based on the prompt created from the information provided by the prompt creation information provision means, wherein the prompt creation information provision means compares the information for creating a prompt that requests the financial risk for each account with the financial information of the target company acquired by the financial information acquisition means and provides predetermined information linked to the matching account to a predetermined terminal. [Effects of the Invention]

[0012] This invention obtains financial information of a target company by account and creates prompts requesting the identification of the target company's financial risks based on this information. This allows the invention to easily and efficiently obtain useful primary information regarding financial risks from a text-generating AI. Furthermore, based on the primary information obtained from the text-generating AI, the invention creates prompts requesting an evaluation of the magnitude of each financial risk. This allows the invention to easily and efficiently obtain information regarding the target company's financial risks from the text-generating AI. Additionally, the invention reflects information linked to the target account in the prompts, selected from pre-associated information useful for prompt creation. This allows the invention to easily and efficiently obtain useful information from the text-generating AI with less noise and regardless of differences in the abilities of the personnel involved. [Brief explanation of the drawing]

[0013] [Figure 1] This is an overview diagram of a system where terminals and other devices work together. [Figure 2] This is an example of information used in financial risk assessment. [Figure 3] This is a flowchart for financial risk assessment. [Modes for carrying out the invention]

[0014] <Terminology according to the present invention> In this invention, "Target Company" means an organization that is subject to evaluation of its financial condition, etc., for so-called financial due diligence (hereinafter, due diligence is referred to as "DD").

[0015] In this invention, "financial risk" means the financial risk that can be anticipated from information recorded in the target company's books, etc., when considering M&A or other transactions involving the target company.

[0016] In this invention, "terminal" refers to a so-called information terminal, and includes personal computers, servers, tablets, smartphones, and the like. The terminal is used for acquiring financial information of a target company, verifying various types of information, creating, updating, and storing necessary information, making predetermined requests to a text generation AI, and obtaining responses to those requests.

[0017] In this invention, "network" refers to a system in which multiple terminals are connected by wired or wireless means and are able to communicate with each other, and means what is commonly known as the Internet, an intranet, etc. The network may also be a dedicated line or a VPN (Virtual Private Network).

[0018] In the present invention, "text generation AI" means an AI (Artificial Intelligence) that generates text (answers) in response to requests. The answers from the text generation AI may include information other than characters, such as charts. Also, "prompt" means a request (input instructions or directions) for obtaining an answer from the text generation AI. The text generation AI generates an answer to the prompt.

[0019] (Example 1) The following relates to the financial risk assessment method and its process according to the present invention.

[0020] FIG. 1 is a schematic diagram of a system composed of a terminal and the like according to the present invention. The management terminal 1 is a device for performing desired communication and information processing via a network with the server 2, the text generation AI 3 (described later), and the like.

[0021] The server 2 means a computer or software that fulfills the function of providing information and the results of information processing in response to a predetermined request from the management terminal 1 and the like. In the server 2, a CPU, a memory, a storage, etc. are electrically connected, and processing for realizing the present invention is performed.

[0022] The functions of the server 2 may be realized by one device or may be a server device group realized by a plurality of devices. Also, these devices are not limited to the same location and may be arranged at different locations. Also, in FIG. 1, the management terminal 1 and the server 2 are depicted separately, but one device having both of these functions may be used.

[0023] ChatGPT-4 of OpenAI was used for the text generation AI 3. However, the type and version of the text generation AI 3 used in the present invention are not limited. For example, any AI that generates the text required for the present invention, such as Copilot of Microsoft or Gemini of Google, may be used, and the version may be changed.

[0024] User terminal 4 is a device that communicates with management terminal 1 and other devices via the network, which is necessary for assessing financial risk. The aforementioned management terminal 1, server 2, text generation AI 3, and user terminal 4 communicate and process the necessary information for assessing financial risk via the network.

[0025] Figure 2 shows an example of information used in financial risk assessment according to the present invention. Server 2 provides pre-stored information or updates information in response to requests from management terminal 1.

[0026] The information shown in Figure 2 is used to create prompts and other elements, and in principle, it is information for each designated account, such as "cash and deposits," "accounts receivable," and "inventory." In this example, this information is available for 20 accounts.

[0027] Furthermore, each account has 10 items (the items in each row of the account in the diagram) categorized by financial risk assessment perspectives. However, the number of accounts and items is not limited, and prompts do not need to be created in a one-to-one relationship with the items related to the accounts.

[0028] Furthermore, in this invention, "acquiring information for each account" does not negate the possibility that the acquired information may include information relating to multiple accounts. If it is possible to distinguish which account each piece of information relating to is related to, then the information is considered to have been "acquired for each account."

[0029] The following are specific examples of questions to ask a target company in order to obtain its cash and deposit information. "Please tell me the purpose of each account listed in the bank account list and the circumstances under which each account was opened. Also, are there any deposit accounts overseas that have not been used for a long period of time?" (This will be referred to as Question A.)

[0030] This information is under the management of server 2 and is sent to management terminal 1 when it requests information about "cash and deposits". Subsequently, question A is sent from management terminal 1 to user terminal 4, and the answer to question A is returned from user terminal 4 to management terminal 1.

[0031] In response to question A, user terminal 4 provided the following answer regarding cash and deposits. "The XX Bank account is for deposits, and the YY Bank account is for expense payments. Both were opened when the company was established. There are no accounts that have not been used for a long period of time." (This will be Answer A.)

[0032] Since Answer A is the answer to Question A, this information is related. Answer A is sent from Management Terminal 1 to Server 2, where it is associated with Question A and newly stored. The answer may also include supplementary information, such as ledger information.

[0033] Furthermore, question A, which is under the management of server 2, is pre-associated with information essential for creating the prompt (referred to as essential information A). Therefore, answer A is associated with question A and essential information A and is placed under the management of server 2. Figure 2 illustrates this state (although omitted in the figure, the aforementioned supplementary information may also be included in the information under the management of server 2).

[0034] Furthermore, essential information refers to information necessary to elicit useful answers from the text generation AI3. Simply asking the text generation AI3 to describe the current state of the target company's cash and cash equivalents and the anticipated risks related to those cash and cash equivalents, based on answer A, often results in answers containing a lot of noise or answers that do not reflect the intent of the request.

[0035] The information reflected in the prompt to resolve such issues is the required information listed above. The following is a specific example of required information A. "In some cases, unnecessary accounts may be opened due to cooperation with bank representatives to meet quotas. In such cases, there is a risk of collusion with bank representatives, so it is necessary to check that there are no unnecessary accounts, such as accounts that have not been used for a long time."

[0036] Based on the above question A, required information A, and answer A, the following prompt is created. "Our company is planning to acquire a certain company (hereinafter referred to as "the target company") through a stock transfer. Therefore, we conducted financial due diligence. During the financial due diligence, we asked the following question: 'Please tell us the purpose and circumstances of opening each account listed in the bank account list. Also, are there any deposit accounts overseas that have not been used for a long period of time?' The intent of this question is as follows: 'In some cases, unnecessary accounts may have been opened due to cooperation with bank representatives to meet quotas. In this case, there is a risk of collusion with bank representatives, so it is necessary to confirm that there are no unnecessary accounts, such as accounts that have not been used for a long period of time.' The target company's response was as follows: 'The XX Bank account is for deposits. The YY Bank account is for expense payments. Both were opened when the company was established. There are no accounts that have not been used for a long period of time.' Given this response from the target company, what financial risks does the target company face in the financial due diligence? Please provide a specific answer in approximately 300 characters."

[0037] The above prompt consists of an introduction (background information for the question to the AI), a question to the target company, required information (the intent behind the question to the target company), the response from the target company, and a request for financial risk information from the AI. The prompt may be automatically created by Server 2 or Management Terminal 1 based on this configuration, or it may be manually created by Management Terminal 1.

[0038] In this invention, as shown in Figure 1, the players are expected to be the provider of services related to financial risk assessment using the management terminal 1 and server 2 (hereinafter referred to as "service provider") and the users of the services (mainly the target company and those involved in the M&A of the target company; hereinafter referred to as "service user").

[0039] Figure 3 shows the flow of financial risk assessment. The service provider sends questions to the service user to assess the financial risk of the target company (S11), and obtains answers (financial information) from user terminal 1 (S12) (first step). However, the exchange of questions and answers to obtain this information is not limited to communication between management terminal 1 and user terminal 4.

[0040] For example, server 2 may obtain information from user terminal 4 without going through management terminal 1. Specifically, information entered from user terminal 4 into an input form on a designated site is automatically associated with questions and required information related to each account as the target company's response, and placed under the management of server 2.

[0041] Information exchange between service providers and service users may take place through paper documents, direct interviews, or other means, and management terminal 1 or server 2 may be used as needed. For example, the acquisition, verification, and updating of various information under the management of server 2, etc., which is necessary for assessing financial risks, may be performed by management terminal 1, while other information exchanges may take place through paper documents or other means.

[0042] In this way, the service provider obtains information from the service user that is necessary to assess the financial risk of the target company. The obtained information is linked to relevant questions and required information and placed under the management of Server 2.

[0043] Having obtained answers to questions from service users, the service provider creates a prompt (S21) that requests the text generation AI3 to provide the expected financial risks for each account item obtained in the first step.

[0044] As described above, prompts consist of questions for each account or item, required information, and answers. Prompts may be automatically generated from this information by server 2 or other means, or they may be manually generated by management terminal 1. The generated prompts are placed under the management of server 2 or other means as needed.

[0045] Furthermore, if the target company does not have any relevant accounts or items, or if the accounts are of low importance in M&A or similar transactions, prompts for these accounts do not necessarily need to be created.

[0046] Next, based on the prompt created in the second step, the service provider requests the anticipated financial risks from the text generation AI 3 via the management terminal 1 (S31) (third step). Specifically, the service provider enters the prompt into the input field for the request from the management terminal 1 to the text generation AI 3 via the network and sends it to the text generation AI 3.

[0047] Assume that a prompt created based on the above question A, required information A, and answer A is sent to the text generation AI3, and the following text is obtained from the text generation AI3 (S32). Based on the responses from the target company, the main financial risks identified in the financial due diligence are as follows: 1. **Liquidity Risk**: Because deposits at XX Bank are set as collateral for borrowings, these deposits may not be freely disposable or usable. This could affect the target company's liquidity and its ability to respond to sudden cash needs. 2. **Accuracy of Financial Reporting**: Deposits that are recorded as cash and deposits on the balance sheet but are actually held as collateral may not be accurately represented. To ensure transparency and accuracy in financial reporting, the treatment of these deposits must be properly disclosed. 3. **Impact of Collateral**: If a deposit is set as collateral for a loan, the funds cannot be used for other purposes until the collateral is released. This may affect the target company's cash flow and investment plans. Considering these points, when evaluating the financial condition of a target company, it is important to focus on the actual availability and liquidity of deposits.

[0048] The financial risks described in the above text (information described as financial risks in items 1-3 above) will be linked to question A, answer A, and required information A as needed, and placed under the management of server 2.

[0049] Let's assume this process is carried out for 20 account items, using 10 different perspectives to assess financial risk. In this case, 200 prompts are sent to the text generation AI3, and the text generation AI3 generates 200 texts in response. This primary information obtained from the text generation AI3 becomes information for further evaluation.

[0050] Next, the service provider creates a prompt from the management terminal 1 requesting an assessment of the magnitude of each financial risk described in each text obtained in step 3 (step 4). This is a step to assess the degree of materiality of the financial risks described in the 200 texts above.

[0051] In creating prompts, the primary information obtained from the text generation AI3 may be further processed mechanically or manually, such as through selection and extraction. This process is intended to make the text generated by the text generation AI3 (the results of the financial risk assessment) more useful.

[0052] This process may be performed by a certified public accountant or other professional based on experience, or it may be performed automatically based on predetermined judgment criteria under the management of Server 2, etc. Examples of judgment criteria include the following:

[0053] In other words, an example of a financial risk being judged as high is when the amount related to the account indicating financial risk in relation to the target company's revenue and assets exceeds a certain amount. More specifically, an example of a financial risk being judged as high is when that amount is 5% or more of the target company's pre-tax profit. Based on such criteria, information unnecessary for evaluating the magnitude of financial risk is removed.

[0054] The magnitude of financial risk can be rephrased as the severity of its impact on the target company's business operations, for example, the magnitude of its impact on the target company's net assets or normal earning power. Even if there are problems with the existence, accuracy, or acquisition history of assets related to account titles, the larger the amount and the illegality, the more serious the impact on the target company, and the greater the financial risk.

[0055] In the fourth step, just like the prompt in the second step, it can be created automatically or manually. Here, let's assume the following prompt has been created. "Our company is planning to acquire a certain company (hereinafter referred to as the "Target Company") through a stock transfer. Therefore, we have conducted financial due diligence. The following is the analysis result of the financial due diligence. Please summarize the financial risks of the Target Company. Please focus on risks that affect actual net assets and normal earning power, and answer in bullet points. Also, please consider your answer assuming that the responses received from the Target Company are complete and accurate." ···(Analysis result 1) ··· ····(Analysis result 2) ···· ...(Analysis result 3)..."

[0056] The prompts "...(Analysis Result 1)...", "...(Analysis Result 2)...", and "...(Analysis Result 3)..." above refer to the financial risk information contained in the text obtained in the third step, or information further selected and extracted from that financial risk.

[0057] Thus, the prompt created in the fourth step reflects the sequence of events based on the information obtained through the first to third steps, and is structured to request further evaluation of each financial risk information obtained from the text generation AI3.

[0058] Finally, based on the prompt created in step 4, the service provider requests the text generation AI 3 from management terminal 1 to assess the magnitude of the financial risk (step 5).

[0059] Assume that the following text was obtained from the text generation AI3 in the fifth step (S52). Based on our financial due diligence, we have summarized the potential risks to the target company below. We have focused on factors that could affect actual net assets and normal earning power. 1. **Bank Account Management Status**: The company holds multiple bank accounts, and specific explanations were provided regarding their purpose and the circumstances under which they were opened. The risk of opening unnecessary accounts or inappropriate relationships with bank representatives is considered low. Regarding overseas accounts, there is no risk of unclear fund transfers. 2. **Verification of Deposit Balances**: The company has confirmed that the deposit balances listed on its balance sheet match the balance certificates issued by the bank. Therefore, no particular risks regarding the existence of deposits or the valuation of foreign currency deposits are identified. 3.**Deposits used as collateral for loans**: We have confirmed that the company does not have any deposits used as collateral for loans or any deposits that are subject to withdrawal restrictions. As a result, the risk regarding the availability of funds is assessed as low. 4. **Usage of checks**: The company in question does not currently use checks, and there are no related internal control risks. 5. **Cash Flow Management**: The company manages its cash flow by creating handwritten receipt and payment statements. While no major risks have been identified due to its fixed trading partners, a transition to more sophisticated cash flow management methods is recommended as the company grows in the future. 6. **Business Funds and Surplus Funds**: The target company's cash and deposit balances are all considered business funds, with no surplus funds. This suggests potential vulnerability to unexpected changes in the economic environment or business fluctuations, but no direct financial risks have been identified. Based on these points, no particularly significant financial risks were detected in the target company. However, further strengthening of internal control systems, including methods for managing funds, is desirable to respond to future business expansion and changes in the market environment.

[0060] The example above shows the results of an assessment of the financial risks for each item related to an account. In addition to this, prompts may be created to generate text from other perspectives. For example, prompts may be created to request an assessment of the relative importance of the financial risks associated with each account, or to identify high-priority accounts in M&A transactions.

[0061] The financial risks shown in the example text above (information described as financial risks in items 1-6 above) will be linked to accounts, questions, required information, answers, etc., as needed, and placed under the management of Server 2.

[0062] The service provider prepares a financial risk assessment report (S61) based on the information regarding the assessment of financial risks contained in the acquired text (DD report preparation step). The financial risk assessment report is the deliverable of the financial due diligence of the target company prepared in this manner, and serves as a reference document for M&A and other transactions of the target company, as is known as a DD report.

[0063] The financial evaluation report may reflect the results of the financial risk assessment for each account, or it may reflect high-priority accounts as material matters. Furthermore, based on the information obtained in step 5, the financial risks may be further assessed by a certified public accountant or other expert, or the judgment criteria related to step 4 may be applied.

[0064] (Example 2) The following is a description of the present invention as a system for evaluating financial risk (a financial risk evaluation support system (hereinafter referred to as "the system")) in which each device works in conjunction for the purpose of financial risk evaluation.

[0065] One of the system functions that a service provider should have is, firstly, a means of acquiring financial information for each account of the target company. The function of management terminal 1 corresponds to this. Server 2 may also be responsible for this function.

[0066] Another function of the system is a prompt creation information provision means. The prompt creation information provision means provides information for creating a prompt (the prompt in the second step described above) that requests the text generation AI3 to determine what financial risks the target company has, based on the financial information acquired by the financial information acquisition means. This is the function of server 2. Management terminal 1 may also be responsible for this function.

[0067] Here, the information needed to create a prompt refers to the questions, required information, and answers from Example 1, as well as related information. As described above in Example 1, this information is linked together as needed and placed under the management of Server 2.

[0068] The questions and required information for each account category are placed under the management of Server 2 or similar systems in advance. The answers obtained from User Terminal 4 in response to requests from Management Terminal 1 are linked to existing information.

[0069] For example, suppose management terminal 1 obtains an answer based on a question regarding the account "Cash and Deposits". Then, suppose management terminal 1 requests information matching the information regarding "Cash and Deposits" from the information under the management of server 2.

[0070] In this case, Server 2 compares the account "Cash and Deposits" with the information under its management, identifies matching information (such as questions and required information linked to "Cash and Deposits"), and provides this information to Management Terminal 1. Based on the provided information, Management Terminal 1 becomes able to create prompts.

[0071] Furthermore, a prompt automatic generation means may be included as a system function. Server 2 or management terminal 1 may have a prompt automatic generation means. An example is when all or part of the prompt is generated from a question, required information, answers, etc., based on a predetermined syntax, as in Embodiment 1.

[0072] Another function of the system is the text generation AI communication means. Based on the generated prompt, the text generation AI communication means makes a predetermined request to the text generation AI 3 and retrieves the generated text. This corresponds to the function of the management terminal 1 or server 2.

[0073] When a prompt for the account "Cash and Deposits" is generated, the management terminal 1 sends the prompt to the text generation AI 3 and retrieves the generated text. The financial risk information contained in the text is sent to the server 2 and linked to the information under its management.

[0074] Furthermore, the prompt creation information provision means may also include a function for providing information for creating prompts related to the fourth step described above. Here, suppose the management terminal 1 requests the provision of information for creating prompts related to the fourth step described above for all accounts or a predetermined range of accounts.

[0075] In this case, Server 2 compares the specified account with the information under its management, identifies matching information (such as primary information obtained from Text Generation AI 3), and provides it to Management Terminal 1. Based on the provided information, Management Terminal 1 becomes able to create a prompt.

[0076] Furthermore, as a system function, a means for automatically generating prompts can be mentioned, as described above (the functions described above are omitted as they would be repetitive). The means for automatically generating prompts may function based on the judgment criteria in the fourth step described above.

[0077] Based on the prompt created in this manner, the text generation AI communication means described above makes a predetermined request to the text generation AI 3 and retrieves text from the text generation AI 3 (the functions described above are omitted as they would be repetitive).

[0078] Furthermore, a DD report generation means is included as a system function. The DD report generation means generates a DD report based on the text obtained from the text generation AI 3. The DD report generation means may also function based on the judgment criteria shown in Example 1. The management terminal 1 or server 2 may also be responsible for this function.

[0079] (Example 3) The following concerns the results of repeated verifications regarding the application of the present invention and considerations of possible inventive forms.

[0080] The inventors of this invention have been using text generation AI to perform financial due diligence prior to the present invention. Now, with financial due diligence based on the present invention, the average work time required to produce due diligence reports of a quality equal to or better than conventional due diligence reports has been reduced from 100 hours to 10 hours.

[0081] Furthermore, it was confirmed that the market need for simple and rapid due diligence reports exceeded initial expectations. In other words, while comprehensive financial due diligence conducted over a long period of time was the industry standard, this invention has opened up new markets for financial due diligence with a limited scope and rapid financial due diligence.

[0082] The following inventive forms can be considered to address financial due diligence needs within a predetermined range. For example, suppose a service user requests that the financial risks of the target company's "cash and cash equivalents" be clarified.

[0083] In this case, the account "Cash and Deposits" under the management of Server 2 becomes priority information as an essential item for financial risk assessment. For example, information related to the account "Cash and Deposits" is processed (protected) so that it is not excluded throughout the steps related to financial risk assessment (from the second step in Example 1 to the DD report creation step).

[0084] This will change how information related to "cash and cash equivalents" is handled. In other words, even if the amount of "cash and cash equivalents" of the target company is below a specified amount or is not significantly illegal, that information will no longer be excluded from the evaluation.

[0085] This ensures that the results of the financial due diligence assessment related to "cash and cash equivalents" are reflected in the due diligence report, regardless of the magnitude of the financial risk. Furthermore, information related to multiple accounts may be protected simultaneously as priority information.

[0086] For example, suppose there is a request to clarify the financial risks related to the ratio of cost to sales (cost of goods sold / sales). In this case, all accounts related to the numerator and denominator of the above formula will be protected. Then, it becomes possible to create a due diligence report that is useful for various analyses, such as identifying accounts that have a large or small impact on the sales-to-cost-goods-sold ratio. [Industrial applicability]

[0087] This invention can be used to create financial due diligence (DD) and due diligence reports as an alternative to conventional financial due diligence. Furthermore, it can be used to create customized financial due diligence and due diligence reports, including those tailored to specific evaluation targets. It can be used for this purpose. [Explanation of symbols]

[0088] 1. Terminal (Management Terminal) 2 servers 3. Text generation AI

Claims

1. A financial risk assessment method comprising requesting a text generation AI from a designated terminal via a network to indicate the financial risks of a target company, and evaluating the financial risks described in the text obtained by the request as the financial risks of the target company, The first step is to obtain the financial information of the aforementioned target company for each account, A second step involves creating a prompt requesting anticipated financial risks based on the financial information obtained in the first step, A third step involves requesting the anticipated financial risks from the terminal to the text generation AI based on the prompt created in the second step, A fourth step involves creating a prompt requesting an assessment of the magnitude of the financial risks described in the text obtained in the third step, A fifth step involves requesting the text generation AI from the terminal to assess the magnitude of the financial risk based on the prompt created in the fourth step, Financial risk assessment methods including

2. A financial risk assessment method comprising requesting a text generation AI from a designated terminal via a network to indicate the financial risks of a target company, and evaluating the financial risks described in the text obtained by the request as the financial risks of the target company, The first step is to obtain the financial information of the aforementioned target company for each account, A second step involves reflecting predetermined information in the financial information obtained in the first step and creating a prompt requesting anticipated financial risks based on this information. A third step involves requesting the anticipated financial risks from the terminal to the text generation AI based on the prompt created in the second step, A fourth step involves creating a prompt requesting an assessment of the magnitude of the financial risks described in the text obtained in the third step, A fifth step involves requesting the text generation AI from the terminal to assess the magnitude of the financial risk based on the prompt created in the fourth step, Includes, A financial risk assessment method in which the predetermined information in the second step is under the management of a management server that manages information linked in advance for each account in order to request the text generation AI to provide the financial risk of the target company, and is provided to the terminal as information linked to an account that matches the account of the information acquired in the first step.

3. A method for preparing a financial risk assessment report, wherein the document reflects the information identified as the financial risk of the target company by the financial risk assessment method described in claim 1 or 2 as a report item.

4. A financial risk assessment support system for assisting in the financial risk assessment of a target company, A means for acquiring financial information of the aforementioned target company, for each account item, A prompt creation information providing means provides information for creating a prompt that requests the text generation AI to determine the financial risk of the target company based on the financial information acquired by the financial information acquisition means, A text generation AI communication means makes a predetermined request to the text generation AI and obtains text based on a prompt created using information provided by the prompt creation information provision means. Equipped with, A financial risk assessment support system in which the prompt creation information provision means compares information for creating prompts requesting financial risks for each account with the financial information of the target company obtained by the financial information acquisition means, and provides predetermined information linked to matching account to a predetermined terminal.

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