Funding application review support system

Abstract

We provide a funding review support system that can assist in the review process for funding relatively complex projects. [Solution] The loan application review support system SS, as a funding application review support system, has a loan application review support server 1 and supports the review of whether or not to approve a loan when a lending institution provides a loan to a business by providing financial institutions with review-related information, which is information related to the review. The loan application review support server 1 comprises an input unit (operation unit 4, communication unit 7 for receiving) and a control unit 8. The input unit receives input of at least one of the following: equipment information EI, which is information related to equipment, etc. related to the loan, and equipment-related information ER created from the equipment information EI. The control unit 8 generates loan application review-related information FE based on at least one of the equipment information EI and equipment-related information ER.

Description

Technical Field

[0001] The present disclosure relates to a funding review support system that supports the review of the availability of funding at a funding agency, the assumption of review at an operator, and the submission of information related to the review to the funding agency, etc., when providing funds from a funding agency to an operator, by providing review-related information and the like.

Background Art

[0002] Funding agencies provide funds such as loans or subsidies to operators through financing or payment. For example, in the case of financing a loan, the funding agency is a financial institution, and in the case of paying a subsidy, it is a public agency. As a financing judgment system, the one described in Japanese Unexamined Patent Application Publication No. 2023-55481 (Patent Document 1) is known. This system receives registration of information related to financing from a user who is an applicant wishing to raise funds, obtains the user's account information from one or more financial institutions where the user holds an account, and based on the received registration information of the user and the obtained account information, extracts one or more financial products available for the user's financing and transmits and presents them to the terminal device used by the user.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the above system, it is difficult to judge financing for relatively complex businesses. For example, in loans to manufacturing companies, loan officers at financial institutions generally review not only credit information documents, but also documents relating to the specifications of the equipment related to the loan, and documents relating to the investment recovery plan based on the manufacture of products using that equipment, to determine whether or not to approve the loan. However, the system described above cannot perform or support such loan reviews. Therefore, the main purpose of this disclosure is to provide a funding review support system that can assist in the review of funding for relatively complex projects. [Means for solving the problem]

[0005] This specification discloses a funding review support system. This funding review support system may include a computer. The funding review support system may support the review of whether or not to provide funding when a funding institution provides funding to a business operator by providing review-related information, which is information related to the review, to at least one of the funding institution and the business operator. The computer may include an input unit and a control unit. The input unit may accept input of at least one of the following: equipment information, which is information related to equipment, etc., pertaining to the funding, and equipment-related information created from the equipment information. Here, equipment, etc., may be at least one of equipment and lines. The control unit may generate review-related information based on at least one of the equipment information and equipment-related information. [Effects of the Invention]

[0006] The main benefit of this disclosure is the provision of a funding review support system that can assist in the review of funding applications for relatively complex projects. [Brief explanation of the drawing]

[0007] [Figure 1] This is an overall block diagram of a loan application review support server and related elements, as an example of a funding application review support system related to this disclosure. [Figure 2]This flowchart shows examples of the operation of the loan application review support server, the financial institution's terminal, the DB server, and the designer's terminal. [Figure 3] This is a schematic diagram of a 3D factory simulation relating to the initial application for the embodiment of the present disclosure. [Figure 4] Figure 3 is a table showing various values ​​related to the 3D factory simulation. [Figure 5] This is a schematic diagram of a 3D factory simulation relating to readjustment according to the embodiments of this disclosure. [Figure 6] Figure 5 is a table showing various values ​​related to the 3D factory simulation. [Modes for carrying out the invention]

[0008] Hereinafter, examples of embodiments relating to this disclosure, along with their modifications, will be described with reference to the drawings as appropriate. Furthermore, this form is not limited to the examples and modifications shown below.

[0009] Figure 1 is an overall block diagram of the loan application review support system SS and related elements, which is an example of a funding application review support system related to this disclosure. This disclosure explains the case where the funds are loans, the provision of funds is a loan, the providing institution is a financial institution, and the party receiving support for the review is a financial institution. However, this disclosure is not limited to these cases; for example, the funds may be subsidies, the provision of funds may be subsidy payments, the providing institution may be a public institution, and the party receiving support for the review may be the business operator who applied for the funds. The loan application review support system SS relating to this disclosure includes one loan application review support server 1 as a funding application review support server. Depending on the interpretation, the loan application review support system SS may also appropriately include at least one of multiple financial institution-side terminals 31, one DB server 61, and multiple designer-side terminals SI. The financial institution-side terminals as funding institution-side terminals are terminals on the financial institution's side. DB stands for database. The designer, in this context, is a system integrator (SIer) that designs and builds at least one of the factory lines and equipment (hereinafter referred to as "equipment, etc."). For the sake of clarity, the following explanation will primarily focus on one financial institution terminal 31 and one designer terminal SI. Unless otherwise noted, other financial institution terminals 31 and other designer terminal SIs will be the same as those described below. Furthermore, multiple loan application support servers 1 may be provided. If multiple loan application support servers 1 are provided, the functions of one loan application support server 1, as described later, may be performed by distributed processing. Also, at least one of the financial institution terminal 31 and the designer terminal SI may be just one. Furthermore, multiple DB servers 61 may be provided. Also, the designer may be someone who only performs design work, an equipment manufacturer, a line builder, a business that applies for a loan, or someone else. Furthermore, the designer may be an organization, an employee of an organization, or an individual. In addition, a business terminal, which is the terminal of the business operator, may be provided instead of, or together with, the financial institution terminal 31. The business operator terminal may be configured in the same way as the financial institution terminal 31.

[0010] Loan application review support server 1, which functions as a funding application review support server computer, is a non-portable computer capable of running the loan application review support program PP. Loan application review support server 1 is located in the building related to the service organization. The service organization is an organization that provides financial institutions with services to support the review of loans to businesses, such as a power company that provides commercial power. However, the service organization does not have to be a power company; it could be, for example, an individual or a group of consultants. Loan screening support server 1 receives loan application information FA from financial institutions, which is information regarding loan applications to businesses, generates loan screening-related information FE, which is information regarding loan screening from financial institutions to businesses, and provides said loan screening-related information FE to financial institutions, thereby supporting loan screening by financial institutions. Loan screening-related information FE is information that can be used as reference for loan screening. Furthermore, if the party receiving screening support is a business on behalf of or together with a financial institution, the loan screening-related information FE is provided to the business and can be used by the business to plan screening-related assumptions, such as at least one of the screening process and screening results, and to prepare documents and data when submitting screening-related information to financial institutions at the time of loan application, during screening, etc. When generating loan application information FE, the loan application support server 1 performs a 3D factory simulation FS on, for example, a factory related to the loan, and refers to the results. When executing the 3D factory simulation FS, the loan application support server 1 accesses the equipment DB 70 of the DB server 61 to obtain equipment information EI and related equipment information ER. The 3D factory simulation FS is a 3D simulation in digital space that relates to a factory. Note that either the equipment information EI or the related equipment information ER may be omitted. Based on the receipt of loan application information (FE) on the financial institution's terminal 31, the loan application officer conducts a final review of the loan application, referring to the loan application information FE. If the loan application information FE indicates that the applicant business is creditworthy, the loan application officer can issue a review result indicating that the loan is approved. The loan application information FE serves as credit assessment material. In this context, a business operator is a manufacturer that produces products. In addition, the service organization can provide specific technical support such as providing energy consumption data and proposing improvements in energy efficiency, and reflect the results in financing review-related information FE, financing application information FA, etc. under the agreement of the business operator and the financial institution. Furthermore, the service organization can, for example, re-adjust with at least one of the financial institution and the business operator, construct improved financing application information FA, or play a role in executing 3D factory simulation FS. Incidentally, the financing review support server 1 may have portability, and may be, for example, a smartphone, a mobile phone, a notebook personal computer, or the like. Also, the financing review support server 1 may be a combination of a plurality of computers via a network. Furthermore, the financing review support server 1 may be installed in a building related to an organization related to the service organization, or in another place such as in a building related to a rental server operation group. Moreover, the business operator is not limited to a manufacturer.

[0011] The financing review support server 1 includes a display unit 2, an operation unit 4, a storage unit 6, a communication unit 7, and a control unit 8.

[0012] The display unit 2 displays information. For example, the display unit 2 is at least one of a display, a lamp, a printer, and an information output terminal. The operation unit 4 receives operations related to the input of information. For example, the operation unit 4 is at least one of a keyboard, a pointing device, a scanner, and an information input terminal. Incidentally, the display unit 2 and the operation unit 4 may be integrated by a display with a touch sensor.

[0013] The storage unit 6 stores information. For example, the storage unit 6 is at least one of a memory, a hard disk, an optical disk, and a tape storage. Incidentally, part or all of the storage unit 6 may be replaced by an online data integration environment connected via the Internet IN. The communication unit 7 communicates information through the Internet IN. For example, the communication unit 7 is a communication device related to at least one of wired and wireless communication. At least one of the operation in the operation unit 4 and the reception in the communication unit 7 serves as an input unit for inputting information to the financing review support server 1. At least one of the display in the display unit 2 and the transmission in the communication unit 7 serves as an output unit for outputting information from the financing review support server 1. Note that the input of information by the input unit may be an input from the operation unit 4 such as a keyboard or a scanner based on at least one of handwritten materials and materials displayed on the screen of the portable information terminal, or an input from a portable or non-portable USB flash drive through the operation unit 4 which is an information input terminal. The output of information by the output unit may be an output as materials on paper by a printer as an example of the display unit 2, an output by display on the screen of the portable information terminal, or an output to a portable or non-portable USB flash drive through the display unit 2 which is an information output terminal.

[0014] The control unit 8 controls the display unit 2, the operation unit 4, the storage unit 6, and the communication unit 7. For example, the control unit 8 is a CPU (Central Processing Unit). The financing review support program PP is stored in the storage unit 6 and executed by the control unit 8. The storage unit 6 includes a non-temporary computer-readable storage medium. The financing review support program PP has a function of operating the financing review support process. The financing review support program PP is described with a group of instructions for exerting the functions described later.

[0015] Also, a 3D factory simulation FS which is a 3D space of a virtual factory for simulation of facilities and the like can be constructed in the storage unit 6 based on the execution of the financing review support program PP. 3D is three-dimensional. The 3D factory simulation FS uses 3D data to construct virtual equipment models, or in other words, models of equipment, within the memory unit 6, and then simulates the operation of the equipment within the factory using a computer. The simulated operation of the equipment includes the operation of at least one of the lines and the equipment, and may include production volume, production time, worker movements, equipment movements, energy consumption, and CO2 emissions.

[0016] Furthermore, the memory unit 6 can store equipment information EI, which is information related to factory equipment, etc., that becomes an element of the 3D factory simulation FS or an element of the 2D simulation, and equipment-related information ER, which is information created from equipment information EI. Of the equipment information EI, those related to 3D are 3D equipment information, and those related to 2D are 2D equipment information. Similarly, of the equipment-related information ER, those related to 3D are 3D equipment-related information, and those related to 2D are 2D equipment-related information. The 3D equipment information and 3D equipment-related information become virtual equipment data within the 3D factory simulation FS. The equipment information EI and equipment-related information ER are obtained here from the DB server 61. Furthermore, at least one of the equipment information EI and equipment-related information ER does not need to include 2D data. Also, either the equipment information EI or the equipment-related information ER may be omitted.

[0017] The equipment information EI in the equipment DB70 is based on 3D data TD stored in the library within the memory of the designer-side terminal SI, MES information MS also stored in the same memory, and independently collected information. MES stands for Manufacturing Execution System. Independently collected information includes, for example, at least one of the following: information provided by equipment manufacturers, financial institutions, businesses, catalogs, manuals, specifications, etc., and information obtained through interviews at the manufacturing site, etc. At least one of the MES information MS and independently collected information may be omitted. The DB server 61 receives 3D data TD and MES information MS from the designer terminal SI and uses them to generate equipment information EI.

[0018] The 3D data TD, which forms the basis of the equipment information EI, is 3D data of the equipment configuration, etc., that can be used in the 3D factory simulation FS.

[0019] Furthermore, the MES information MS, which forms the basis of the equipment information EI, includes, for example, some or all of the following types of information: (1) Production plan information (2) Product Information (3) Work instruction information (4) Inventory management information (5) Manufacturing history information (6) Quality control information (7) Equipment operation information (8) Real-time data (9) Production performance information (10) Energy consumption information

[0020] Production planning information is planning information that shows which products will be manufactured, when, and on which line, and includes, for example, manufacturing schedule information and production instruction information. Product information refers to information about a product, including, for example, product design information and bill of materials (BOM). Work instruction information consists of at least one of the following: information regarding work procedures for each manufacturing process, and information regarding instructions for workers. Inventory management information includes at least one of the following: inventory information for raw materials, intermediate products, and finished products, as well as tracking information for incoming and outgoing goods. Manufacturing history information includes at least one of the following: manufacturing lot, serial number, and traceability information of the raw materials used. Quality control information includes at least one of the following: the results of quality inspections, the occurrence of defective products, and quality-related reports. Equipment operation information includes at least one of the following: information on the operating status of machinery and equipment, maintenance history, and failure information. Real-time data is process data such as temperature, pressure, and humidity, obtained from at least one of a sensor and / or an IoT device. Production performance information includes at least one of the following: actual production volume, operating hours, and worker work records. Energy consumption information is data relating to at least one of the amount of energy consumed and / or the efficiency of the energy used in the manufacturing process.

[0021] The equipment-related information ER created in the DB server 61 from the equipment information EI includes, for example, some or all of the following types of information. The equipment-related information ER may also be created in, or in conjunction with, the DB server 61, at least one of the loan application review support server 1, the financial institution terminal 31, and the designer terminal SI. (11) Energy consumption information (12)CO2 emissions information (13) Product delivery information (14) Product unit price information

[0022] Energy consumption information refers to information on the amount of energy used, including electricity, for each piece of equipment or its components. This information may be rated values, actual operating values, other values, or a combination of these. CO2 emission information refers to CO2 emissions, including electricity, for each piece of equipment or facility. This information may be obtained by referring to catalog values ​​already entered, or by calculating it from energy consumption information. Product delivery information refers to the delivery dates for products manufactured using equipment and other facilities. Product unit price information refers to the unit price information for products manufactured using equipment, etc.

[0023] Furthermore, the memory unit 6 can store simulated production volume information AP, simulated energy consumption information EU, simulated CO2 emissions information CE, and simulated cost information CS, which are obtained by executing a 3D factory simulation FS or a 2D simulation evaluation. Production volume simulation information AP is information that shows the production volume of equipment, etc., calculated through simulation. The EU Energy Consumption Simulation Information is information that shows the energy consumption of equipment and other devices, calculated based on simulations. The simulated CO2 emission information CE is information that shows the simulated CO2 emissions of equipment, etc. Cost simulation information (CS) is information that shows the estimated cost of equipment and other items.

[0024] In addition, the memory unit 6 can store loan application information FA and loan screening-related information FE. Loan application information (FA) may include information about equipment, such as specifications of equipment. Furthermore, part or all of the memory unit 6 may be shared with other memory units through an online data integration environment or the like. Also, part or all of the memory unit 6 may be located online, that is, it may be formed in a communicable external storage on the cloud. Such data sharing and online access can be similarly applied to other memory units.

[0025] The loan application review support server 1 is connected via the Internet IN to the support service user's computer and the financial institution's terminal 31, which acts as the funding institution's computer, enabling communication. The financial institution's terminal 31 is a non-portable computer capable of executing the financial institution's program FP. The financial institution acting as the funding institution may be an organization or an individual. The financial institution's terminal 31 may be portable. Furthermore, the loan application review support server 1 may be connected to the financial institution's terminal 31 by means other than the Internet IN. For example, considering the confidentiality of information, it may be connected by a dedicated line or closed network, or by physical means such as a USB flash drive or printed materials, or by a combination of these, including the Internet IN. Similarly, connections between other servers and terminals may also be made by means other than the Internet IN. The financial institution's terminal 31 is located within the building of the financial institution. However, the financial institution's terminal 31 may be located elsewhere. The financial institution terminal 31 has a display unit 32 similar to the display unit 2, an operation unit 34 similar to the operation unit 4, a storage unit 36 ​​similar to the storage unit 6, a communication unit 37 similar to the communication unit 7, and a control unit 38 similar to the control unit 8.

[0026] The communications unit 37 is connected to the loan application review support server 1 via the Internet IN. The financial institution terminal 31 is capable of executing the financial institution program FP. The financial institution program FP is stored in the storage unit 36 ​​and executed by the control unit 38. The storage unit 36 ​​includes a non-temporary computer-readable storage medium. The financial institution program FP has the function of operating the financial institution terminal 31. The financial institution program FP contains a set of instructions that perform the functions described later.

[0027] The memory unit 36 ​​is capable of storing loan application information FA and loan screening-related information FE.

[0028] The loan application review support server 1 is connected to the DB server 61, which acts as a DB computer, via the Internet IN, enabling communication. The DB server 61 is a non-portable computer capable of executing the DB-side program EP. However, the DB server 61 may be portable. Furthermore, part or all of the DB server 61 may be integrated with the loan application review support server 1. DB server 61 is located within the building related to the service organization. However, DB server 61 may be located elsewhere. The DB server 61 has a display unit 62 similar to the display unit 2, an operation unit 64 similar to the operation unit 4, a storage unit 66 similar to the storage unit 6, a communication unit 67 similar to the communication unit 7, and a control unit 68 similar to the control unit 8.

[0029] The communications unit 67 is connected to the loan application review support server 1 via the Internet IN. The DB server 61 is capable of executing the DB-side program EP. The DB-side program EP is stored in the storage unit 66 and executed by the control unit 68. The storage unit 66 includes a non-temporary, computer-readable storage medium. The DB-side program EP has the function of operating the DB server 61. The DB-side program EP contains a set of instructions that perform the functions described later.

[0030] The memory unit 66 is capable of storing equipment information EI and equipment-related information ER. In the memory unit 66, the equipment information EI and equipment-related information ER are constructed as the equipment DB 70, which is a database related to equipment. Since the equipment DB 70 is located externally from the perspective of the loan application review support server 1, it can be considered an external database. Furthermore, a 3D factory simulation FS may be constructed in the memory unit 66. The 3D factory simulation FS may be executed by the control unit 68, which executes the DB-side program EP, using the equipment information EI and related equipment information ER in the equipment DB 70 as appropriate.

[0031] The DB server 61 is connected to the designer-side terminal SI, which acts as the designer-side computer, via the Internet IN, enabling communication. The designer-side terminal SI is a non-portable computer capable of executing designer-side programs. A DB server 61 is provided for each SIer. However, some or all of the designer-side terminal SI may be portable. The designer's terminal SI is located within the building related to the SIer. However, the designer's terminal SI may be located elsewhere. The designer-side terminal SI has a display unit similar to the display unit 2, an operation unit similar to the operation unit 4, a storage unit similar to the storage unit 6, a communication unit similar to the communication unit 7, and a control unit similar to the control unit 8.

[0032] The communication unit of the designer-side terminal SI is connected to the DB server 61 via the Internet IN. Furthermore, the communication unit of the designer-side terminal SI is connected to the loan application review support server 1 via the Internet IN. The designer-side terminal system (SI) is capable of executing designer-side programs. These programs are stored in the memory of the designer-side terminal SI and executed by its control unit. The memory of the designer-side terminal SI includes a non-temporary, computer-readable storage medium. The designer-side programs have the functionality to operate the designer-side terminal SI. The designer-side programs contain a set of instructions that perform the functions described below.

[0033] The memory unit of the designer-side terminal SI can store 3D data (TD) and MES information (MS). 3D data (TD) and MES information (MS) are updated daily by the designers, who are the system integrators (SIers). The designer-side terminal SI accesses the DB server 61 at a predetermined timing and transmits updated 3D data TD and MES information MS related to the equipment, etc., from the communication unit of the designer-side terminal SI. The control unit 68 of the DB server 61, which receives at least one of the 3D data TD and MES information MS via the Internet IN and the communication unit 67, updates the equipment DB 70 based on the received information. The predetermined timing may be when there are updates to at least one of the 3D data TD and MES information MS that exceed a predetermined threshold, or every predetermined time, or every predetermined date and time, or a combination of these, or any other timing. In this way, the equipment DB70 is updated based on the 3D data TD and MES information MS related to each designer, and the contents of the equipment DB70 are appropriately aggregated and maintained. Furthermore, a 3D factory simulation FS may be built in the memory unit of the designer-side terminal SI. The 3D factory simulation FS may be executed by the control unit of the designer-side terminal SI that executes the designer-side program, using 3D data TD, etc., as appropriate.

[0034] Figure 2 is a flowchart illustrating an example of the operation of the loan application review support server 1, the financial institution terminal 31, the DB server 61, and the designer terminal SI. The financial institution's terminal 31 receives input from the financial institution's representative into the loan application information FA and transmits it to the loan application support server 1 in order to receive support services for loan screening for businesses that wish to borrow money. The loan application information FA includes the business ID, which is identification information that identifies the business, and loan details information that indicates the loan details. The loan application support server 1 stores the loan application information FA in the storage unit 6 and starts processing the loan application review for the business based on the feasibility of the loan, the competitiveness of the business, etc.

[0035] The control unit 8 of the loan application support server 1 determines, based on the status of the loan application information FA, whether 3D visualization is necessary for the equipment related to the loan, and whether visualization of moving objects such as workers and automated guided vehicles (AGVs) is necessary (step S1). 3D visualization allows for a concrete understanding of the equipment planned to be constructed using the loan, or the line including the equipment, without the need for actual construction. Furthermore, visualization of movement makes it possible to understand the actions of moving objects, providing information to determine whether appropriate workers, AGVs, etc., have been deployed (quantity, placement, etc.). The factories, lines, and equipment mentioned here are those related to the loan, that is, those procured using part or all of the loan. However, existing factories, etc., or newly established factories financed by other loans or self-funding, etc., may also be used as reference, and may not be those using the loan related to this review.

[0036] If the answer in step S1 is YES, the control unit 8 performs a 3D factory simulation FS related to the business operator (step S2).

[0037] In the 3D factory simulation FS, equipment information EI and related equipment information ER are used. Here, equipment information EI and related equipment information ER are obtained from the equipment DB 70 of DB server 61 by the loan screening support server 1. For example, if the loan is for the construction of a new line within an existing factory, including a first piece of equipment and a second piece of equipment designed by a different designer than the first piece of equipment, the control unit 8 accesses the DB server 61 to obtain equipment information EI and related equipment information ER for the line from the DB server 61. The 3D data TD and MES information MS for generating the equipment information EI and related equipment information ER for the first piece of equipment are provided from the designer's terminal SI related to the designer of the first piece of equipment. The 3D data TD and MES information MS for generating the equipment information EI and related equipment information ER for the second piece of equipment are provided from the designer's terminal SI related to the designer of the second piece of equipment. Furthermore, the equipment-related information ER may be formed in the loan application support server 1 from the equipment-related information EI received from the DB server 61, etc. The equipment-related information ER formed in the loan application support server 1 may be added to the library of the 3D factory simulation FS.

[0038] The control unit 8 constructs the factories and lines related to the financing of the business operator in a virtual 3D space using various information obtained from the equipment DB 70. Then, the control unit 8 determines the layout, overall structure, and number of workers of the factory, lines, equipment, and workers through calculations using the 3D factory simulation FS built in the memory unit 6 (step S3). After that, the control unit 8 moves the process to step S6.

[0039] On the other hand, if the answer in step S1 is NO, the control unit 8 performs a 2D simulation evaluation (step S4) and constructs the flow of the factory, line, equipment, workers, etc. by calculation (step S5). 2D refers to two dimensions. The control unit 8 executes a 2D simulation based on the loan application review support program PP. Even in the 2D simulation, the control unit 8 can refer to the equipment information EI and equipment-related information ER in the equipment DB 70. Subsequently, the control unit 8 moves the process to step S6.

[0040] Then, the control unit 8 performs a production volume evaluation (step S6). Specifically, the control unit 8 calculates the production volume per unit period (e.g., 8 hours) based on the model by analyzing the operation or flow of a virtual line in the 3D factory simulation FS, and generates production volume simulation information AP. It also performs evaluations related to the production volume, such as determining whether the calculated production volume is greater than or less than a predetermined threshold, or determining whether the production volume belongs to a first section, a second section, etc., which are divided by multiple thresholds (stepwise evaluation). The calculated production volume and its evaluation are stored in the memory unit 6. Furthermore, various calculation results, judgment results, etc., are stored in the memory unit 6 as appropriate, unless otherwise specified.

[0041] Furthermore, the control unit 8 performs energy usage evaluation, CO2 emission evaluation, and cost evaluation (step S7). Energy usage evaluation can also be called energy efficiency evaluation. The control unit 8 generates simulated energy usage information EU by analyzing the operation or flow of virtual lines, etc., in the 3D factory simulation FS, and performs evaluations related to energy usage, such as determining whether the energy usage is greater than or less than a predetermined threshold. In this evaluation, the equipment DB 70 is referenced as appropriate, and the energy usage information in the equipment-related information ER is mainly used. In CO2 emission evaluation, the control unit 8 simulates CO2 emissions from a line, etc., by analyzing the operation or flow of a virtual line, etc., in a 3D factory simulation FS, and generates simulated CO2 emission information CE. It also performs evaluations related to CO2 emissions, such as determining whether the CO2 emissions are greater than or below a predetermined threshold. In this evaluation, the equipment DB 70 is referenced as appropriate, and the CO2 emission information in the equipment-related information ER is mainly used. In cost evaluation, the control unit 8 simulates the cost of a line, etc., by analyzing the operation or flow of a virtual line, etc., in the 3D factory simulation FS, generates cost simulation information CS, and performs cost-related evaluations, such as determining whether the cost is greater than or less than a predetermined threshold, or in stages. The equipment DB 70 is also referenced as appropriate in the cost evaluation.

[0042] Some or all of these evaluations are incorporated into the content of the loan application review information FE, and are transmitted by the control unit 8 to the financial institution terminal 31 via the communication unit 7, Internet IN, and communication unit 37 (step S9), stored in the storage unit 36, and output by an indicator light on the display unit 32.

[0043] Then, in step S9, the loan officer at the financial institution makes a judgment on whether the loan application is appropriate based on the loan assessment information FE related to the evaluation in S6 and S7.

[0044] If the answer in step S9 is NO, the loan officer at the financial institution will determine that the loan related to the loan application information FA is not possible and that further negotiations should be conducted with the business (step S10). Based on this determination, the financial institution's officer will then conduct further negotiations with the business. Furthermore, the control unit 8 of the loan screening support server 1 may include, in the loan screening-related information FE, at least one of the following: an opinion that the loan is approved, an opinion that the loan is not approved, the degree to which the loan can be deemed approved (e.g., a percentage), and the basis for these opinions. For example, the basis for loan rejection may be at least one of the following: production volume is below a predetermined threshold, energy consumption is above a predetermined threshold, CO2 emissions are above a predetermined threshold, and costs are above a predetermined threshold. By examining this basis or explaining it to the business operator, the financial institution's representative can analyze and indicate areas for improvement for loan decisions, making readjustment more concrete and easier.

[0045] On the other hand, if the answer in step S9 is YES, the loan officer at the financial institution will determine that the loan related to the current loan application information FA can be approved (step S11). The financial institution's officer will refer to the loan review information FE to use as material for the final decision on the loan or as the basis for the loan decision.

[0046] The loan application review support server 1, the financial institution terminal 31, and the DB server 61 can repeat the above process as appropriate for each loan application review.

[0047] Such a loan application review support system SS will produce the following effects: In other words, the loan application support system SS has a loan application support server 1 and supports the loan application process when lending institutions provide loans to businesses by providing financial institutions with application-related information, which is information related to the application process. The loan application support server 1 comprises an input unit (operation unit 4, communication unit 7 for receiving) and a control unit 8. The input unit receives input of at least one of the following: equipment information EI, which is information related to equipment, etc., and equipment-related information ER, which is created from the equipment information EI. The control unit 8 generates loan application-related information FE based on at least one of the equipment information EI and equipment-related information ER. Therefore, the business of the operator is thoroughly analyzed based on at least one of the equipment information EI and equipment-related information ER. Accordingly, a loan application review support system SS is provided that can assist in the loan application review process for relatively complex businesses.

[0048] Furthermore, the control unit 8 generates loan screening-related information FE by performing at least one of 3D factory simulation FS and 2D simulation on at least one of the equipment information EI and equipment-related information ER. As a result, the business of the operator is analyzed in more detail, and loan screening is better supported. Furthermore, if the Equipment Information EI is 3D Equipment Information EI, which is 3D information about equipment, the business of the operator can be analyzed in even more detail using 3D. Furthermore, the loan application review support server 1 is equipped with an output unit (display unit 2, communication unit 7 for transmission). The output unit outputs loan application review-related information FE in a format that can be referenced by financial institutions. Therefore, loan application review support is made easier.

[0049] Furthermore, the loan application review information (FE) includes at least one of the following related to equipment: energy consumption, CO2 emissions, costs, and production volume. Therefore, the loan application review process can be made easier. Furthermore, the business operator is a manufacturer that produces products using equipment, etc. Therefore, support for loan assessments for manufacturers, which is more readily applicable to analysis using at least one of 3D equipment information EI and 3D equipment-related information ER, can be effectively provided.

[0050] Furthermore, the input and output units include a communication unit 7. The communication unit 7 can communicate with a financial institution terminal 31, which is a terminal on the financial institution's side. The control unit 8 transmits loan screening-related information FE to the financial institution terminal 31. Therefore, the provision of loan screening-related information FE to support loan screening is made even easier through communication. Furthermore, the control unit 8 acquires at least one of the 3D equipment information EI and the 3D equipment-related information ER from the equipment DB 70. Moreover, at least one of the 3D equipment information EI and the 3D equipment-related information ER is generated from at least one of the 3D data TD and MES information MS related to the equipment. Therefore, the management, updating, and organization of at least one of the 3D equipment information EI and the 3D equipment-related information ER for generating loan screening-related information FE becomes easier.

[0051] Furthermore, the loan application review support system SS may have the following modifications as appropriate, in addition to the above-mentioned examples. In other words, the loan screening support server 1, financial institution terminal 31, DB server 61, and some or all of the designer terminal SI in the loan screening support system SS may be connected to communicate via a dedicated line, closed network, etc., rather than via the internet IN; in short, it is sufficient if they are connected via a communication network. Furthermore, from the standpoint of ensuring sufficient data security, data input and output may be performed by physical means such as USB flash drives or printed materials instead of communication. Furthermore, each step in the example operation (flowchart) of the loan screening support server 1, the financial institution terminal 31, the DB server 61, and the designer terminal SI may be replaced with other steps of substantially similar content, divided into multiple steps of substantially similar content, or at least two of them may be combined, or their order may be changed as appropriate. Furthermore, at least one of the distinctions and elements related to various types of information can be modified in various ways depending on the ease of processing, etc. [Examples]

[0052] More specific embodiments based on the embodiments of the present disclosure described above will be explained below. Furthermore, this disclosure is not limited to the embodiments described below. Depending on how this disclosure is interpreted, an embodiment may become a comparative example that does not conform to the embodiments of this disclosure, or a comparative example may become an embodiment.

[0053] This embodiment involves reviewing a loan application from a financial institution to a business operator for the purpose of establishing a new screw component assembly process within an existing factory. Initially, the business operator applies for a loan for one industrial robot, with the aim of sufficiently controlling equipment costs. In other words, the loan application information FA includes details related to the introduction of one industrial robot. Figure 3 is a schematic diagram of the 3D factory simulation FS for the initial application according to this embodiment. Figure 4 is a table showing various values ​​related to the 3D factory simulation FS in Figure 3. As shown in Figures 3 and 4, various settings are configured in the 3D factory simulation FS. In general, the planned production quantity for assembled parts is set at 100 units per hour, or 100 units / h. Furthermore, one industrial robot (FANUC M710iC / 50 model, rated output 3.5kW) is introduced to assist with assembly work, operated by one worker, and any shortage in production compared to the planned quantity is to be compensated for by overtime. In addition, anticipating fluctuations in the planned production quantity, 3D factory simulations at 90, 110, and 120 units / h (around 100 units / h) are also performed for reference. The planned production quantity can also be called the target production quantity. Equipment information EI and related equipment information ER, including 3D data related to the industrial robot, are obtained from the equipment DB 70 on DB server 61.

[0054] The control unit 8, using 3D factory simulation FS, determines that, under the initial application, using one industrial robot, the actual production quantity is 92 units / hour, and that overtime work will be required. Furthermore, the control unit 8 determines that if the planned production quantity increases from 100 units / hour to 110 units / hour or 120 units / hour due to increased demand, the overtime costs for workers will increase, putting pressure on profits. Furthermore, the control unit 8 calculates that the energy consumption in this case is 3.5 kWh, and that the CO2 emissions are 1.5 kg-CO2, using a CO2 emission factor of 0.433 kg-CO2 / kWh (step S7).

[0055] The control unit 8 determines that one industrial robot cannot meet the production plan quantity without special measures such as overtime (step S6), and includes this fact in the loan application information FE transmitted in step S8. The loan application officer at the financial institution, upon seeing the output of the loan application information FE received by the loan application support server 1, determines NO in step S9 and issues a preliminary assessment result of loan denial. In addition, the loan application information FE may include, in lieu of or along with the basis for the determination that the production plan quantity cannot be met, the basis for the determination that profitability will deteriorate if the production plan quantity is increased from 100 units / hour. Based on the loan denial decision, the financial institution's representative will renegotiate with the business operator applying for the loan (Step S10). The financial institution's representative and the service organization's representative will propose increasing the number of industrial robots from one to two in order to renegotiate with the business operator. They will then construct an improved loan application information FA that includes the two industrial robots and run a 3D factory simulation FS related to this loan application information FA on the loan review support server 1. The number of workers will remain at one. The renegotiation may also be performed by the service organization.

[0056] Figure 5 is a schematic diagram of the 3D factory simulation FS related to readjustment. Figure 6 is a table showing various values ​​related to the 3D factory simulation FS in Figure 5. The control unit 8, recognizing that the actual production quantity is 153 units / hour in the case of two industrial robots, and that this is sufficient to meet the production plan quantity and that there is sufficient production capacity (step S6), determines that a loan can be provided if two industrial robots are used, includes this information in the loan review information FE, and transmits it to the financial institution's terminal 31 (step S8). The loan review officer at the financial institution uses the loan review information FE as a reference and determines that the loan can be approved and disbursed (YES in step S9, step S11). Furthermore, the control unit 8 calculates that the energy consumption in this case is 7.0 kWh and the CO2 emissions are 3.0 kg-CO2 (step S7).

[0057] Furthermore, by utilizing loan application support services provided by service organizations, financial institution representatives can determine in advance the simulated energy consumption and CO2 emissions of lines, equipment, etc. related to the loan. This allows them to recommend to businesses at least one of the following: energy-saving loans that target or offer preferential treatment for the costs of constructing highly energy-efficient lines, and carbon-neutral loans that target or offer preferential treatment for the costs of constructing lines whose CO2 emissions are suppressed to a certain level or below. Furthermore, loan application support services may be provided to businesses that are applying for or planning to apply for loans, either in lieu of or in conjunction with loan application support services to financial institutions. Through these services, businesses can obtain information that will aid in their loan decisions, making it easier for financial institutions to approve their loan applications. [Explanation of Symbols]

[0058] 1. Loan application review support server (computer) 2. Display unit (output unit) 4. Control Unit (Input Unit) 7. Communication section (input section, output section) 8. Control Unit 31. Financial institution terminal (funding institution terminal) 61. DB Server 70. Equipment Database EI・Equipment information ER Equipment and Related Information FA Loan Application Information FE - Loan application review information (application review information) MS··MES Information PP Loan Application Support Program SI (Systems Integrator) - Designer's Terminal SS Loan Application Support System TD...3D data (of equipment, etc.)

Claims

1. A funding review support system that has a computer and supports the review of whether or not to provide funding when a funding institution provides funding to a business operator by providing review-related information, which is information related to the review, to at least one of the funding institution and the business operator, The aforementioned computer comprises an input unit and a control unit. The input unit receives input of at least one of the following: equipment information relating to the provision of the funds, and equipment-related information created from the equipment information, where equipment refers to at least one of equipment and lines. The control unit generates the examination-related information based on at least one of the equipment information and the equipment-related information. A funding application review support system characterized by the following features.

2. The control unit generates the examination-related information by performing a simulation in digital space with respect to at least one of the equipment information and the equipment-related information. The funding review support system according to feature 1.

3. The aforementioned equipment information is 3D equipment information, which is 3D information relating to the equipment. The funding review support system according to feature 1.

4. The aforementioned computer further includes an output unit, The output unit outputs the review-related information in a manner that can be referenced by at least one of the funding agency and the business operator. The funding review support system according to feature 1.

5. The aforementioned review-related information includes energy consumption and CO2 related to the aforementioned equipment, etc. ２ It is at least one of the following: emissions, costs, or production volume. The funding review support system according to feature 1.

6. The aforementioned business operator is a manufacturer that produces products using the aforementioned equipment, etc. The funding review support system according to feature 1.

7. The input unit and the output unit include a communication unit. The communication unit is capable of communicating with at least one of the following: the funding agency terminal, which is the terminal on the funding agency's side, and the business operator terminal, which is the terminal on the business operator's side. The control unit transmits the review-related information to at least one of the terminals on the funding agency side and the terminals on the business side. The funding review support system according to feature 4.

8. The control unit obtains at least one of the equipment information and the equipment-related information from the equipment database. The funding review support system according to feature 1.

9. At least one of the aforementioned equipment information and the aforementioned equipment-related information is generated from at least one of the 3D data and MES information relating to the equipment. The funding review support system according to feature 1.

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