Loan decision system

Abstract

The first challenge is to calculate the business value based on the costs of implementing measures to reduce greenhouse gas emissions. The second challenge is to provide a loan determination system that takes business value into account and identifies the amount of loans that can be provided to businesses and / or the interest rate on those loans. [Solution] In a loan determination system consisting of one or more server devices and one or more terminal devices, the server device is equipped with a business value calculation means that calculates the business value of the business operated by the business operator based on the business operator's financial information and the costs incurred by the business operator in implementing measures to reduce greenhouse gas emissions, and identifies the amount of loan that can be provided to the business operator and / or the interest rate of the loan based on the business operator's financial information and the business value of the business operated by the business operator.

Description

TECHNICAL FIELD

[0001] The present invention relates to a loan determination system.

BACKGROUND ART

[0002] In recent years, initiatives aimed at reducing greenhouse gas emissions have been promoted worldwide. In particular, business operators are required to reduce greenhouse gas emissions generated through their business activities, and are considering implementing emission reduction measures such as updating facilities, introducing energy-saving technologies, and utilizing renewable energy.

[0003] By the way, as a scheme for raising funds while ensuring the business continuity of a company, it has been studied to establish a corporate value security interest that uses the entire business as collateral, and to provide loans using not only the tangible assets of the company but also future profits and cash flows generated from intangible assets as collateral.

SUMMARY OF THE INVENTION

PROBLEMS TO BE SOLVED BY THE INVENTION

[0004] Examples of the problems of the present invention include, but are not limited to, any of the following problems. The first problem is to calculate the business value based on the cost for implementing measures to reduce greenhouse gas emissions. The second problem is to specify the loanable amount to the business operator and / or the loan interest rate for the loan, in consideration of the business value.

MEANS FOR SOLVING THE PROBLEMS

[0005] The problem of the present invention is solved by: [1] A system comprising at least one computer device, the system comprising a business value calculation unit that calculates the business value of a business operated by a business operator, based on the financial information of the business operator and the cost for the business operator to implement measures to reduce greenhouse gas emissions; [2] The system described in [1] above, wherein the business value calculation means further calculates the business value based on revenue derived from carbon credits obtained by the business operator as a result of implementing measures to reduce greenhouse gas emissions; [3] The system described in [1] or [2] above, which includes a means for identifying the amount of a loan that can be provided to a business operator and / or the interest rate on the loan based on the business operator's financial information and the calculated business value; [4] The system described in [3] above, wherein the means for determining the amount of loans available to another business operator takes the financial information of another business operator and the business value of said other business operator as input data, and uses a machine learning-developed predictive model to determine the amount of loans available to said other business operator and / or the interest rate on loans based on the financial information of said other business operator and the business value of said other business operator as output data; [5] The system according to [3] or [4] above, comprising a storage means for storing in association business identification information that identifies a business operator, information concerning security interests in the business operated by the business operator, and information concerning loans from secured parties to the business operator, wherein the storage means stores a specified loan amount and / or lending interest rate as information concerning loans from secured parties to the business operator; [6] A method performed in a system comprising at least one computer device, comprising a business valuation step of calculating the business value of a business operated by a business operator based on the business operator's financial information and the costs incurred by the business operator in implementing measures to reduce greenhouse gas emissions; [7] A program that causes a computer device to function as a means of calculating the business value of a business operated by a business operator, based on the business operator's financial information and the costs incurred by the business operator in implementing measures to reduce greenhouse gas emissions; [8] A system comprising at least one computer device, comprising a means for identifying the amount of a loan that can be provided to a business operator and / or the interest rate of the loan based on the financial information of the business operator and the business value of the business operated by the business operator; [9] The system described in [8] above, wherein the means for determining the amount of loans available to another business operator takes the financial information of another business operator and the business value of said other business operator as input data, and uses a machine learning-developed predictive model to determine the amount of loans available to said other business operator and / or the interest rate on loans based on the financial information of said other business operator and the business value of said other business operator as output data;

[10] A system as described in [8] or [9] above, comprising a business value calculation means for calculating the business value based on the financial information of the business operator, wherein a means for identifying the loan amount is determined based on the financial information of the business operator and the calculated business value of the business operator, to determine the loan amount and / or the interest rate of the loan provided to the business operator;

[11] A system according to any one of [8] to

[10] above, comprising a storage means for storing in association business identification information that identifies a business operator, information concerning security interests in the business operated by the business operator, and information concerning loans from secured creditors to the business operator, wherein the storage means stores a specified loan amount and / or lending interest rate as information concerning loans from secured creditors to the business operator;

[12] A method performed in a system comprising at least one computer device, comprising a loan eligibility step of identifying the loan amount that can be lent to a business operator and / or the interest rate of the loan based on the financial information of the business operator and the business value of the business operated by the business operator;

[13] A program that causes a computer device to function as a means of determining the amount of a loan that can be made to a business operator and / or the interest rate on such loans, based on the financial information of the business operator and the business value of the business operated by the business operator; This can be resolved. [Effects of the Invention]

[0006] The effects of the present invention include, but are not limited to, the following: The first effect allows for the calculation of business value based on the cost of implementing measures to reduce greenhouse gas emissions. The second effect allows for the identification of the amount of loans that can be provided to the business operator and / or the interest rate on such loans, taking into account the business value. [Brief explanation of the drawing]

[0007] [Figure 1] This is a block diagram showing the configuration of the system according to the embodiment. [Figure 2] This is a block diagram showing the hardware configuration of a user terminal according to an embodiment. [Figure 3] This is a block diagram showing the hardware configuration of a server device according to an embodiment. [Figure 4] This figure shows a flowchart of the loan decision process according to the embodiment. [Figure 5] This figure shows a flowchart of the information registration process according to the embodiment. [Modes for carrying out the invention]

[0008] The embodiments of the present invention will be described below, but the present invention is not limited to the following embodiments unless it contradicts the spirit of the invention. The order of each process constituting the flowchart described below is not limited to any order that does not cause contradictions or inconsistencies in the processing content, and it is also possible to omit some of the processes constituting the flowchart or to add new processes to each process constituting the flowchart, as long as it does not contradict the processing content. Furthermore, the device that is the main entity that executes each process constituting the flowchart can be changed to another device unless it contradicts the spirit of the invention. In that case, it is possible to change the processing content so as not to cause contradictions or inconsistencies in the processing content.

[0009] (system) Figure 1 is a block diagram showing the configuration of a system according to an embodiment. System 10 includes at least one computer device. System 10 may also include a user terminal 1 and a server device 2.

[0010] User terminal 1 is a terminal operated by a user. The user is not particularly limited and may be, for example, a business that receives a loan from a financial institution (including an employee belonging to the business), a financial institution that provides a loan to a business (including an employee belonging to the financial institution), or a third party different from these businesses or financial institutions.

[0011] User terminal 1 and server device 2 are connected to each other via communication network 3, enabling communication between them. The number of user terminals 1 is not particularly limited and may be one or more.

[0012] The system 10 may consist of, for example, one computer device (standalone type), one or more server devices and one or more terminal devices (client-server type), or multiple terminal devices that communicate without using a server device (peer-to-peer type). Furthermore, the server device 2 may function in a distributed manner across multiple computer devices. For example, instead of the server device 2, a distributed ledger technology such as blockchain may be used.

[0013] <User terminal> Figure 2 is a block diagram showing the hardware configuration of a user terminal according to an embodiment. User terminal 1 comprises a control unit 11, RAM 12, storage unit 13, input unit 14, display unit 15, and communication interface 16, all of which are connected by a bus.

[0014] The control unit 11 is composed of a CPU and a ROM. The control unit 11 executes programs stored in the storage unit 13 to control the user terminal 1. The RAM 12 is a work area for the control unit 11. The storage unit 13 is a storage medium for storing programs and data. The control unit 11 performs arithmetic processing based on the programs and data read from the RAM 12, as well as data input via the input unit 14. The programs may be stored in a recording medium such as a CD-ROM or a USB memory.

[0015] The display unit 15 has a display screen. The control unit 11 outputs a video signal for displaying an image on the display screen in accordance with the result of the arithmetic processing.

[0016] The communication interface 16 can be connected to the communication network 3 by wire or wirelessly, and can transmit and receive data to and from other computer devices via the communication network 3. Data received via the communication interface 16 is loaded into the RAM 12, and subjected to arithmetic processing by the control unit 11.

[0017] <Server Device> Figure 3 is a block diagram illustrating the hardware configuration of the server device according to the embodiment. The server device 2 includes at least a control unit 21, a RAM 22, a storage unit 23, and a communication interface 24, each connected via an internal bus.

[0018] The control unit 21 is composed of a CPU and a ROM, executes programs stored in the storage unit 23, and controls the server device 2. The control unit 21 also includes an internal timer that measures time. The RAM 22 is a work area for the control unit 21. The storage unit 23 is a storage area for storing programs and data. That is, the storage unit 23 functions as a recording medium storing programs. The control unit 21 reads programs and data from the RAM 22, and executes program execution processing based on information received from the user terminal 1 and the like.

[0019] The system in this embodiment calculates the value of the business operated by the business operator based on the business operator's financial information.

[0020] Furthermore, the system of this embodiment can calculate business value based not only on the financial information of the business operator, but also on the costs incurred by the business operator in implementing measures to reduce greenhouse gas emissions. In addition, the system can calculate business value based not only on the financial information of the business operator, but also on the costs incurred by the business operator in implementing measures to reduce greenhouse gas emissions, and the revenue derived from carbon credits obtained by the business operator in implementing such measures. As will be described later, the cost approach, market approach, and / or income approach are used to calculate business value. In calculating business value using the cost approach, market approach, and / or income approach, the business value is calculated based on financial information such as the business operator's income statement or balance sheet, and other information necessary for calculation, while also taking into account the costs incurred in implementing emission reduction measures and the revenue derived from carbon credits obtained by implementing emission reduction measures.

[0021] A business operator is an entity that conducts business activities, and the concept includes corporations (including for-profit and non-profit corporations) and sole proprietors. The business field of a business operator is not particularly limited. "Financial information" is information that shows the economic soundness and performance of a corporation or sole proprietor. There is no particular limit to what constitutes "financial information," but examples include the balance sheet, income statement, and cash flow statement themselves, or the information contained in the balance sheet, income statement, and cash flow statement. More specifically, "financial information" may include fixed assets, current assets, fixed liabilities, current liabilities, net assets, sales, cost of goods sold, selling expenses, general and administrative expenses, personnel expenses, gross profit, operating profit, ordinary profit, net profit for the period, cash flow from operating activities, cash flow from investing activities, and cash flow from financing activities.

[0022] "Business value" is a comprehensive evaluation of the cash flows (including profits), tangible assets, intangible assets, and liabilities that an entity's business will generate over time, and converted into monetary units. In "business value," "business" may refer to all of the entity's businesses, some of its businesses, or even just one business. The total business value of an entity may also be the enterprise value itself (or, in the case of a corporation, the value of its shares).

[0023] The method for calculating business value is not particularly limited. For example, one of the following methods can be used to calculate business value: the cost approach, the market approach, or the income approach. Alternatively, different methods such as the cost approach, market approach, and income approach can be used, and the business value can be calculated comprehensively based on the results of each method. For example, the average of the values ​​calculated using the cost approach, market approach, and income approach may be calculated as the business value, or the values ​​calculated using the cost approach, market approach, and income approach may be multiplied by a weighting coefficient set for each method, and the sum of these values ​​may be calculated as the business value. In this case, it is preferable that the sum of the weighting coefficients set for the cost approach, market approach, and income approach is "1.0".

[0024] When calculating business value using the income approach, there are no particular limitations on the method used; publicly known methods such as the DCF method and the income capitalization method can be used.

[0025] The cost approach is a method for calculating the cost of rebuilding the same business from scratch. When calculating business value using the cost approach, the market value (or replacement cost) of tangible assets (real estate, machinery and equipment, inventory, etc.), intangible assets (patents, brands, software, etc.), and liabilities (borrowings, corporate bonds, accounts payable, etc.) are identified. By subtracting liabilities from total assets (the sum of tangible and intangible assets), the cost of rebuilding the same business from scratch, i.e., the business value using the cost approach, can be calculated.

[0026] For tangible assets (real estate, machinery and equipment, inventory, etc.) and intangible assets (patents, brands, software, etc.), the fair value (or replacement cost) can be determined not only from financial information such as balance sheets and income statements, but also from information entered via user terminals. Liabilities can be identified from financial information.

[0027] Furthermore, if a business operator is already implementing measures to reduce greenhouse gas emissions, the equipment used for these measures can be entered as tangible assets on the user terminal. Carbon credits issued based on the reduction in emissions resulting from the implementation of these emission reduction measures can also be entered as intangible assets on the user terminal.

[0028] The market approach is a method of estimating business value based on the business value of comparable companies traded in the market. For example, a comparable company can be defined as a company or business that is in the same or a similar industry as the business being valued using the market approach, and whose differences in business scale (e.g., number of employees, sales, etc.) meet certain conditions, and whose differences in revenue structure (e.g., ROE, EBITDA, operating profit margin, etc.) meet certain conditions. In advance, a database is created that associates industry, business scale, and revenue structure with the sale price of the business or the company owning that business, based on multiple M&A cases. Then, one or more comparable companies for the business being valued using the market approach can be identified from the database, and these comparable companies can be identified based on their sale prices.

[0029] Industry and business scale (e.g., number of employees) can be entered from the user terminal. Business scale (e.g., number of employees) and revenue structure (e.g., ROE, EBITDA, operating profit margin, etc.) can be identified from financial information.

[0030] If a business has planned measures to reduce greenhouse gas emissions, the costs associated with these measures can be considered a detrimental factor in the business value using the market approach. Conversely, if the business expects to generate revenue from carbon credits as a result of implementing these emissions reduction measures, this can be considered an increasing factor in the business value using the market approach.

[0031] The income approach is a method of calculating business value by discounting the cash flows (or profits) that a company or business will generate over time to their present value. Here, we will use the DCF method for calculation.

[0032] In addition to financial information such as the income statement and balance sheet, the system calculates free cash flow for a predetermined forecast period (e.g., 3, 5, or 10 years) based on future sales growth rates, cost increase rates, planned capital investments, projected changes in working capital, costs for implementing greenhouse gas emission reduction measures, and revenue from carbon credits issued as a result of implementing emission reduction measures. Future sales growth rates, future cost increase rates, planned capital investments, and projected changes in working capital may be estimated or entered on the user terminal or server equipment based on financial information. Costs for implementing greenhouse gas emission reduction measures and revenue from carbon credits issued as a result of implementing emission reduction measures may be calculated or identified or entered on the user terminal or server equipment.

[0033] The weighted average cost of capital (WACC), which is necessary for calculating business value using the DCF method, can be calculated using the market value of equity, the market value of interest-bearing debt, the total capital value of the company, the cost of equity, the cost of debt, and the corporate tax rate. The market value of equity, the market value of interest-bearing debt, the total capital value of the company, the cost of equity, the cost of debt, and the corporate tax rate may be entered into the user terminal, and the WACC may be calculated on the user terminal or server device. Alternatively, the WACC may be calculated in advance based on this information, and the obtained WACC may be entered from the user terminal.

[0034] Next, the free cash flows over a given forecast period are discounted to their present value using the Weighted Average Cost of Cash (WACC). For example, if the forecast period is 5 years, the discount factor for each free cash flow from year 1 to year 5 is the reciprocal of the value obtained by raising (1+WACC) to the power of the number of years, which is (1 / (1+WACC)). tMultiply by t, where t is the number of years. Then, by summing the discounted cash flows, the business value (business value using the income approach) can be calculated using the DCF method. Alternatively, the terminal value after a predetermined forecast period may be calculated, discounted to its present value, and then added to the sum of the discounted cash flows to obtain the business value (business value using the income approach) using the DCF method.

[0035] Alternatively, the equity value may be calculated by subtracting the interest-bearing debt held by the business operator from the business value calculated using the DCF method, and adding surplus cash and cash equivalents, and this can be used as the business value.

[0036] Greenhouse gases are gases that, when emitted into the atmosphere, make it more difficult for the Earth to escape the heat it receives from the sun, thereby increasing the Earth's temperature. While not limited to specific examples, greenhouse gases include carbon dioxide, methane, nitrous oxide, and chlorofluorocarbons (CFCs). Emission reduction measures refer to all measures implemented to reduce the emission of environmentally harmful substances, including greenhouse gases.

[0037] While there are no particular limitations on emission reduction measures, examples include introducing renewable energy, upgrading to high-efficiency equipment, and implementing energy-saving measures. Examples of renewable energy introduction include installing solar power generation systems, introducing wind power generation equipment, introducing biomass boilers, utilizing geothermal energy, and introducing small-scale hydropower generation. Examples of upgrading to high-efficiency equipment include switching to high-efficiency air conditioning and boiler equipment, replacing lighting with LEDs, and introducing cogeneration systems. Examples of energy-saving measures include utilizing energy management systems and strengthening insulation and heat shielding.

[0038] Carbon credits are a quantifiable representation of the amount of greenhouse gas emissions reduced or absorbed, made tradable. Not only reductions or absorptions of carbon dioxide emissions, but also reductions or absorptions of other greenhouse gases such as methane, nitrous oxide, and chlorofluorocarbons (CFCs) are eligible for carbon credits. In the system of this embodiment, the carbon credits that can be used are not particularly limited, but for example, credits issued under domestic emissions trading schemes and credits traded on overseas emissions exchanges can be used. Revenue derived from carbon credits refers to profits obtained by selling carbon credits acquired through greenhouse gas emission reductions to third parties.

[0039] The system of this embodiment can identify loan conditions for providing financing to a business based on the business's financial information and business value. Examples of loan conditions include the loan amount, interest rate, and repayment period.

[0040] The entity that provides the loan (the entity that makes the loan) is not particularly limited, but it is preferable that it is the secured creditor who has established a security interest in the business owned by the business operator (even if the security interest has already been established, or even if it is assumed that the security interest has been established). In other words, the system of this embodiment can be suitably used to specify the loan conditions when a secured creditor provides a loan to a business operator.

[0041] By establishing a security interest on the business it operates, businesses can obtain larger loan amounts or secure lower interest rates, or obtain loans under more favorable conditions, compared to not establishing a security interest.

[0042] Furthermore, in this embodiment of the system, it is possible to identify loan conditions such as the loan amount and interest rate based not only on the business operator's financial information but also on the business value of the business operator. Therefore, even if the current financial condition is not favorable, if the business value is expected to increase when considering future potential (for example, if retained earnings are significantly negative, but operating profit and ordinary profit are large, and sales are growing at a high rate), it is possible to identify loan conditions that are not favorable to the business operator. On the other hand, even if the current financial condition is good, if the business value is not particularly high when considering future potential (for example, if retained earnings are sufficient, but operating profit and ordinary profit relative to sales are small or negative), it is possible to identify loan conditions that are not favorable to the business operator.

[0043] The business value used to determine the loan terms may be calculated using the system of this embodiment, calculated using another system, or calculated by a person without using a system.

[0044] The term "security interest" is not particularly limited and can include, for example, mortgages and pledges. A mortgage is a security interest that primarily covers real estate. A mortgage may be registered or may be established by contract without registration. A pledge is a security interest that covers movable property or rights such as claims. A pledge may be registered or may be established by contract without registration.

[0045] "Establishing a security interest in a business owned by a business operator" means establishing a security interest in the rights to real estate, movable property, claims, etc., used in that business. More specifically, it means establishing a mortgage on the real estate used in that business and establishing a pledge on the movable property and rights to claims, etc., used in that business.

[0046] "Loan" refers to a financial institution or other entity providing funds lending money to a business under certain conditions. "Loan amount" refers to the maximum amount that the lending entity deems possible to lend to the business. The loan amount is generally determined based on the business's financial information and other credit information. "Interest rate" refers to the interest rate that the borrowing business must pay in connection with the loan. There are no particular limitations on the "interest rate," but examples include fixed interest rates and variable interest rates.

[0047] The system of this embodiment can determine whether or not to provide a loan to a business operator based on the business operator's financial information and the business value of the business operator's business, and can specify the loan conditions to the business operator (for example, the amount that can be lent to the business operator and / or the lending interest rate if a loan is provided to the business operator). The method for determining whether or not to provide a loan to a business operator and specifying the loan conditions to the business operator based on the business operator's financial information and business value is not particularly limited, but for example, one or more management indicators such as the equity ratio, current ratio, sales growth rate, return on total assets, and return on equity can be identified from the financial information, and a scoring system using an additive / deductive scoring method according to predetermined rules can be used for each of these management indicators and the business value. If the obtained score meets predetermined conditions (for example, if the score is below a threshold or above a threshold), the loan is determined to be "approved". Furthermore, even if the loan is deemed "approved", the amount that can be lent may be adjusted according to the score. Similarly, the lending interest rate may be adjusted according to the score.

[0048] In addition, a predictive model can be used to determine whether or not to provide a loan to a business operator based on the business operator's financial information and the business value of the business operator, and to identify the amount of the loan that can be provided to the business operator and / or the interest rate of the loan. The predictive model used is a machine learning predictive model that takes the financial information of other businesses and the business value of the businesses that other businesses operate as input data, and outputs information on whether or not to provide a loan to the other businesses determined based on the financial information and business value of the businesses that other businesses operate, and if a loan to the other businesses is possible, the amount of the loan that can be provided to the other businesses and / or the interest rate of the loan.

[0049] Other businesses are different from the businesses being considered for loan approval. Other businesses may be in the same industry as the businesses being considered for loan approval, or they may be in a different industry. Furthermore, other businesses may be of a similar scale to the businesses being considered for loan approval, or they may be of a different scale.

[0050] The predictive model is generated based on financial information of numerous other businesses, the business value of the businesses they operate, the results of loan eligibility decisions made for each of these other businesses based on their financial information and business value, and the identified loan amount and interest rate.

[0051] The machine learning algorithm is not particularly limited and any known algorithm can be used, but it is preferable to use deep learning using a multilayer neural network. A multilayer neural network has an input layer, an output layer, and multiple hidden layers. Weights are assigned to the edges connecting the nodes in each layer. Each edge has a weight assigned to it corresponding to each input to the node. The weights corresponding to each input to the node are multiplied, and the value obtained by multiplying these weights is added to the bias. The resulting value is subjected to a nonlinear transformation using an activation function to calculate the activation value. The calculated activation value becomes the input value passed to the node of the next layer. The number of hidden layers can be designed as appropriate.

[0052] By inputting financial information and business value into the resulting predictive model, it is possible to determine whether or not to provide a loan to the business. Furthermore, if it is determined that a loan to the business is "approved," the amount of the loan that can be provided and / or the interest rate for the loan will be specified.

[0053] Next, the loan decision process will be explained. Figure 4 is a flowchart of the loan decision process according to an embodiment of the present invention. The user operates the user terminal 1 to launch the application, enters their ID and password, and logs in to the system 10 (step S1). The application may be a native application or a web application.

[0054] Next, the user operates user terminal 1 to input the business operator's financial information and further input greenhouse gas emission reduction measures that the business operator has implemented or plans to implement (step S2). As for financial information, data related to balance sheets and income statements in Word, Excel, or PDF format can be input. Multiple greenhouse gas emission reduction measures may be displayed as options on the display screen of user terminal 1, and the business operator may input greenhouse gas emission reduction measures that they have implemented or plan to implement by operating user terminal 1 and selecting from these options.

[0055] The financial information and greenhouse gas emission reduction measures entered in step S2 are transmitted from the user terminal 1 to the server device 2 via the communication network 3 (step S3). The information transmitted to the server device 2 may include identification information for identifying the business operator (business operator ID, business operator name, etc.). The server device 2 receives the financial information and greenhouse gas emission reduction measures transmitted from the user terminal 1 via the communication network 3 (step S4).

[0056] Next, the control unit 21 of the server device 2 identifies the cost required to implement the greenhouse gas emission reduction measures based on the greenhouse gas emission reduction measures received in step S4 (step S5). In the server device 2, the cost or method for calculating the cost for implementing each of the multiple greenhouse gas emission reduction measures selected in step S2 is pre-registered. In step S5, based on the pre-registered cost or method for calculating the cost for each emission reduction measure, the cost corresponding to the greenhouse gas emission reduction measures received in step S4 is identified.

[0057] The user can input the information necessary for cost calculation in step S2 or step S5 by operating user terminal 2. For example, if the emission reduction measure is the installation of solar panels, the area to be installed of the solar panels is input at user terminal 1, and the cost of installing the solar panels can be determined by multiplying the input area of ​​solar panels by the installation cost of solar panels per unit area (pre-registered in server device 2).

[0058] The control unit 21 of the server device 2 identifies the amount of greenhouse gas emission reduction resulting from implementing the greenhouse gas emission reduction measures received in step S4 (step S6). In the server device 2, for each of the multiple greenhouse gas emission reduction measures selected in step S2, the amount of greenhouse gas emission reduction resulting from implementing the emission reduction measures or the method for calculating the reduction amount is pre-registered. In step S6, based on the pre-registered reduction amount or reduction amount calculation method for each emission reduction measure, the control unit 21 identifies the reduction amount corresponding to the greenhouse gas emission reduction measures received in step S4.

[0059] The user can input the information necessary to calculate the reduction amount in step S2 or step S6 by operating user terminal 2. For example, if the emission reduction measure is the installation of solar panels, the area to be installed and the location to be installed are input at user terminal 1. Based on the input installation area of ​​the solar panels, the conversion efficiency per unit area of ​​the solar panels, the amount of solar radiation corresponding to the installation location, and the amount of sunshine duration, the amount of electricity generated by the solar panels can be determined. Then, based on the determined amount of electricity generated by the solar panels, the amount of greenhouse gas emissions if the same amount of electricity were generated from fossil fuels is determined. This amount of greenhouse gas emissions becomes the reduction amount.

[0060] Next, the control unit 21 of the server device 2 identifies the revenue derived from carbon credits based on the amount of greenhouse gas reduction identified in step S6 (step S7). Since the price of carbon credits fluctuates according to the market price, the price of carbon credits may be obtained in real time. In step S7, the revenue derived from carbon credits can be identified based on the obtained price of carbon credits.

[0061] The control unit 21 of the server device 2 calculates the business value (step S8) based on the financial information entered in step S2, the costs identified in step S5, and / or the revenues identified in step S7. The information necessary for calculating the business value may be entered into the user terminal 1 in step S2 or in step S8. As explained above, the cost approach, market approach, and / or income approach are used to calculate the business value.

[0062] The control unit 21 of the server device 2 determines whether or not a loan is possible based on the financial information entered in step S2 and the business value calculated in step S9, using a predictive model implemented within the server device 2. If a loan is possible, it specifies the loan amount and the loan interest rate (step S9). The predictive model can be the one described above.

[0063] The business value calculated in step S8, the information regarding the feasibility of the loan, the loan amount, and the interest rate identified in step S9 are transmitted from the server device 2 to the user terminal 1 via the communication network 3 (step S10). The user terminal 1 receives the business value, the information regarding the feasibility of the loan, the loan amount, and the interest rate (step S11). Next, the display unit 15 of the user terminal 1 displays the business value, the feasibility of the loan, the loan amount, and the interest rate received in step S11 (step S12). Steps S1 to S12 complete the loan determination process.

[0064] For example, if the user is a financial institution that will provide a loan, they can check the business value, loan eligibility, loan amount, and interest rate displayed in step S12, and then make a final decision on whether or not to provide the loan. If the financial institution decides to provide the loan, they can register this decision with system 10.

[0065] Next, we will explain the information registration process for registering information about a loan when a security interest on the business is established with the financial institution that will provide the loan and the loan is then provided. Here, we will explain the case where the user is the financial institution that will provide the loan. Figure 5 is a flowchart of the information registration process according to an embodiment of the present invention. The user operates the user terminal 1 to launch the application, enters the user ID and password, and logs in to the system 10 (step S21).

[0066] Next, the user inputs identification information to identify the borrowing business (e.g., business ID, business name and address), information regarding security interests in the business operated by the business (e.g., information identifying the secured creditor, details of the security interest (information regarding which assets are subject to mortgages, pledges, etc.)), and information regarding the loan from the secured creditor to the business (e.g., loan amount, interest rate, repayment period, actual loan amount, etc.) (step S22). Here, the loan amount and interest rate may be automatically entered based on the values ​​calculated in step S9. In this case, the secured creditor is the user operating user terminal 1, i.e., the financial institution executing the loan, and the information identifying the secured creditor is the user ID, user name and address, etc.

[0067] In step S22, the identification information for the borrowing business, information regarding the security interest in the business operated by the business, and information regarding the loan from the secured creditor to the business, entered in step S22, are transmitted from user terminal 1 to server device 2 (step S23). This transmitted information is received by server device 2 (step S24). Next, this received information is stored in server device 2 (step S25). More specifically, in the business management table of server device 2, information regarding the security interest in the business operated by the business, and information regarding the loan from the secured creditor to the business, are stored in association with the identification information for the borrowing business. Steps S21 to S25 complete the information registration process. [Explanation of Symbols]

[0068] 1 User terminal 2 Server devices 3. Communication Network 10 Systems 11 Control Unit 12 RAM 13 Storage Section 14 Input section 15 Display section 16 Communication Interfaces 21 Control Unit 22 RAM 23 Storage Section 24 Communication Interfaces

Claims

1. A system comprising at least one computer device, A business valuation method that calculates the business value of a business operated by a business operator based on the operator's financial information and the costs incurred by the operator in implementing measures to reduce greenhouse gas emissions. A system equipped with these features.

2. The system according to claim 1, wherein the means for calculating business value further calculates business value based on revenue derived from carbon credits obtained by the business operator as a result of implementing measures to reduce greenhouse gas emissions.

3. A means of identifying the amount of loans that can be provided to a business operator and / or the interest rate on those loans, based on the business operator's financial information and the calculated business value. The system according to claim 2, comprising:

4. The system according to claim 3, wherein the means for determining the amount of loans available to another business operator takes the financial information of another business operator and the business value of said other business operator as input data, and uses a machine learning-developed predictive model to determine the amount of loans available to said other business operator and / or the interest rate on loans, which are determined based on the financial information of said other business operator and the business value of said other business operator as output data, and uses that predictive model to determine the amount of loans available to said business operator and / or the interest rate on loans.

5. A storage means that stores business identification information to identify a business operator, information regarding security interests in the business operated by the business operator, and information regarding loans from secured creditors to the business operator in association with each other. Equipped with, The system according to claim 3, wherein the storage means stores the specified loan amount and / or the interest rate of the loan as information relating to a loan from a secured creditor to a business operator.

6. A method performed in a system comprising at least one computer device, A business valuation step that calculates the business value of the business operated by the business operator based on the business operator's financial information and the costs incurred by the business operator in implementing measures to reduce greenhouse gas emissions. A method having.

7. Computer equipment, A business valuation method that calculates the business value of a business operated by a business operator based on the operator's financial information and the costs incurred by the operator in implementing measures to reduce greenhouse gas emissions. A program that makes something function as such.

8. A system comprising at least one computer device, A means of identifying the amount of loans that can be provided to a business operator and / or the interest rate on those loans, based on the business operator's financial information and the business value of the business the business operator operates. A system equipped with these features.

9. The system according to claim 8, wherein the means for determining the amount of loans available to another business operator takes the financial information of another business operator and the business value of said other business operator as input data, and uses a machine learning-trained predictive model to determine the amount of loans available to said other business operator and / or the interest rate on loans, which are determined based on the financial information of said other business operator and the business value of said other business operator as output data, and uses that predictive model to determine the amount of loans available to said business operator and / or the interest rate on loans.

10. A business valuation method that calculates business value based on the financial information of the business operator. Equipped with, The system according to claim 8 or 9, wherein the means for determining the amount of loan available to a business operator determines the amount of loan available to the business operator and / or the interest rate on the loan based on the business operator's financial information and the calculated business value of the business operator.

11. A storage means that stores business identification information to identify a business operator, information regarding security interests in the business operated by the business operator, and information regarding loans from secured creditors to the business operator in association with each other. Equipped with, The system according to claim 8 or 9, wherein the storage means stores the specified loan amount and / or lending interest rate as information relating to a loan from a secured creditor to a business operator.

12. A method performed in a system comprising at least one computer device, Loan eligibility step: Based on the business operator's financial information and the business value of the business operated by the business operator, the loan amount that can be provided to the business operator and / or the interest rate on the loan is determined. A method having.

13. Computer equipment, A means of identifying the amount of loans that can be provided to a business operator and / or the interest rate on those loans, based on the business operator's financial information and the business value of the business the business operator operates. A program that makes something function as such.

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