Financial risk assessment method, financial risk assessment report preparation method, and financial risk assessment support system

Abstract

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

Description

[Technical field]

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

[0002] Various valuation methods and systems have been developed in the valuation business, which evaluates the assets of target companies. The following patented technology (Patent Technology 1) is an example of a technology for evaluating the business viability of target companies.

[0003] The document related to Patent Technology 1 (Patent Document 1) describes a feasibility evaluation method for evaluating the feasibility of a business operator who operates a power generation business by using a server connected to an evaluator's terminal, which includes the steps of transmitting evaluation sheets describing evaluation items and evaluation methods for movable property evaluation, power generation risk evaluation, and disaster risk evaluation from a database of the server to a first terminal of the evaluator who evaluates the business operator's equipment, a second terminal of the evaluator who tests and inspects the equipment that constitutes the business operator's equipment using a test device and evaluates the equipment, and a third terminal of the evaluator who performs on-site evaluation at the location where the business operator's equipment is installed; The method for evaluating business feasibility is characterized by comprising the steps of: receiving evaluation sheets filled in with the evaluations by the evaluators from the second and third terminals as evaluation results, tallying up the evaluation points for each evaluation sheet and converting them into a predetermined evaluation index; calculating a future value price by subtracting the total amount of expenses from the amount of electricity sold calculated from the amount of electricity generated from the time of evaluation to a specified number of years and the unit price of electricity; and weighting each of the evaluation indexes converted in each evaluation sheet and multiplying the future value price by the total coefficient after the decimal point to calculate a predicted selling value price.

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

[0005] A document related to Patent Technology 2 (Patent Document 2) describes a method for creating technical documentation for software on a computer, comprising the steps of acquiring explanatory data in which an explanation of the software is expressed, the explanatory data including at least one of one or more sentences and one or more images, making a first request to a first generative AI model to generate one or more use cases that arise in the software based on the explanatory data, and making a second request to a second generative AI model to generate one or more business logics corresponding to at least one of the one or more use cases.

[0006] The objective of Patent Technology 1 is to provide a business feasibility evaluation of a target company, including a movable property evaluation. However, the technology in question is not necessarily intended to utilize AI technology, and does not solve the technical issues involved in utilizing AI technology.

[0007] Patent Technology 2 aims to use AI technology to streamline the creation of technical documents required for software development, etc. However, creating technical documents and creating financial risk assessment reports are very different. For example, financial risks vary depending on the business content of the target company, so the process and difficulty of creating them are very different from standard technical documents.

[0008] Financial risk assessment covers a wide range of subjects. Therefore, if financial risk assessment simply utilizes information obtained by repeating dialogue with AI, the amount of work becomes enormous. In addition, in dialogue with AI, the amount of noise information increases, and the quality of the assessment decreases. In consideration of these problems, the objective of this invention is to more simply and efficiently assess the financial risk of the target company. [Prior art documents] [Patent documents]

[0009] [Patent Document 1] Patent No. 6327684 [Patent Document 2] Patent No. 7503700 Summary of the Invention [Problem to be solved by the invention]

[0010] The problem to be solved by the present invention is to provide a method for easily and efficiently evaluating the financial risk of a target company.

[0011] The first invention is a method for evaluating financial risk by a system that performs a process of requesting a text generation AI from a specified terminal via a network to indicate the financial risk of a target company, and evaluating the financial risk described in the text acquired by the request as the financial risk of the target company, the method being realized by a process including the following: a first step of acquiring financial information of the target company for each account item; a second step of creating a prompt requesting the expected financial risk based on the financial information acquired by the first step; a third step of requesting the expected financial risk from the text generation AI from the terminal based on the prompt created in the second step; a fourth step of creating a prompt requesting an evaluation of the magnitude of the financial risk described in the text acquired by the third step; and a fifth step of requesting an evaluation of the magnitude of the financial risk from the text generation AI from the terminal based on the prompt created in the fourth step. The second invention is also ,versusA method for evaluating financial risk by a system that requests a text generation AI from a specified terminal via a network to indicate the financial risk of a target company, and evaluates the financial risk described in the text obtained by the request as the financial risk of the target company, comprising a first step of obtaining financial information of the target company for each account item, a second step of reflecting specified information in the financial information obtained by the first step and creating a prompt requesting the expected financial risk based on the financial information obtained by the first step, a third step of requesting the expected financial risk from the text generation AI from the terminal based on the prompt created by the second step, and and a fifth step of requesting from the terminal to the text generation AI an evaluation of the magnitude of the financial risk based on the prompt created in the fourth step, wherein the predetermined information in the second step is under the management of a management server that manages information linked in advance to each account item in order to request the text generation AI to evaluate the financial risk of the target company, and is provided to the terminal as information linked to an account item that matches the account item of the information acquired in the first step. 3 The invention is a financial risk assessment support system for supporting the financial risk assessment of a target company, comprising: a financial information acquisition means for acquiring financial information of the target company by account item; a prompt creation information providing means for providing information for creating a prompt requesting a text generation AI of the financial risk of the target company based on the financial information acquired by the financial information acquisition means; and a text generation AI communication means for making a predetermined request to the text generation AI based on a prompt created from the information provided by the prompt creation information providing means and acquiring text, wherein the prompt creation information providing means compares the information for creating a prompt requesting financial risk for each account item with the financial information of the target company acquired by the financial information acquisition means, and provides the predetermined information linked to the matching account item to a predetermined terminal. Effect of the Invention

[0012] The present invention obtains financial information of a target company for each account item, and creates a prompt that requests identification of the financial risk of the target company based on the financial information. As a result, the present invention is expected to have the effect of easily and efficiently obtaining useful primary information on financial risks from a text generation AI. In addition, the present invention creates a prompt that requests an evaluation of the magnitude of each financial risk based on the primary information obtained from the text generation AI. As a result, the present invention is expected to have the effect of easily and efficiently obtaining information on the financial risk of a target company from a text generation AI. In addition, the present invention reflects information linked to an account item that matches the target account item in the prompt from information that is useful for creating a prompt that is linked to each account item in advance. As a result, the present invention is expected to have the effect of easily and efficiently obtaining useful information from a text generation AI with less noise and regardless of differences in ability between personnel. [Brief description of the drawings]

[0013] [Figure 1] This is an overview diagram of a system in which terminals and other devices are linked. [Diagram 2] This is an example of information used in financial risk assessment. [Diagram 3] FIG. 1 is a flow diagram of financial risk assessment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0014] <Terminology related to this invention> In the present invention, the term "target company" refers to an organization that is the subject of an evaluation of financial status, etc. for so-called financial due diligence (hereinafter, due diligence will be referred to as "DD").

[0015] In the present invention, "financial risk" refers to financial risk assumed from information recorded in the target company's books and other records when considering M&A or the like of the target company.

[0016] In this invention, the term "terminal" refers to so-called information terminals, including personal computers, servers, tablets, smartphones, etc. Furthermore, the terminals are used to obtain financial information of the target company, collate various types of information, create, update and store necessary information, make specific requests to the text generation AI and obtain responses to those requests, etc.

[0017] In the present invention, a "network" refers to a system in which multiple terminals are connected by wire or wirelessly and can communicate with each other, and refers to the so-called Internet, intranet, etc. The network may also be a dedicated line or a VPN (Virtual Private Network).

[0018] In the present invention, "text generation AI" refers to AI (Artificial Intelligence) that generates text (answer) in response to a request. The answer from the text generation AI may include information other than text, such as a chart. Also, "prompt" refers to a request (input command or instruction) to obtain an answer from the text generation AI. The text generation AI generates an answer to the prompt.

[0019] Example 1 The following describes the financial risk assessment method and its flow according to the present invention.

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

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

[0022] The functions of the server 2 may be realized by one device, or may be realized by a group of server devices realized by multiple devices. Furthermore, these devices do not have to be located in the same place, but may be located in different places. Furthermore, although the management terminal 1 and the server 2 are depicted separately in FIG. 1, a single device that performs both of these functions may be used.

[0023] ChatGPT-4 from OpenAI was used for the text generation AI3. However, the type and version of the text generation AI3 used in the present invention are not limited. For example, any AI that generates text required for the present invention, such as Microsoft's Copilot or Google's Gemini, may be used, and the version may be changed.

[0024] The user terminal 4 is a device for performing communication necessary for evaluating financial risks with the management terminal 1 etc. via a network. The above-mentioned management terminal 1, server 2, text generation AI 3, and user terminal 4 perform communication and processing necessary for evaluating financial risks via the network.

[0025] 2 shows an example of information used in the financial risk assessment according to the present invention. In response to a request from the management terminal 1, the server 2 provides pre-stored information and updates the information.

[0026] The information shown in Fig. 2 is information for creating prompts, etc., and is in principle information for each predetermined account item, such as "cash and deposits," "accounts receivable," "inventory," etc. In this embodiment, the information is available for 20 account items.

[0027] In addition, each account has 10 items (items for each row of the account in the diagram) according to the viewpoint of financial risk assessment. However, the number of account items and the number of items are not limited, and prompts do not need to be created in a one-to-one relationship with items related to the account items.

[0028] In addition, in the present invention, "obtaining information for each account item" does not deny that the obtained information may include information related to multiple account items. If it is possible to distinguish which account item each piece of information relates to, the information is "obtained for each account item."

[0029] Below are some specific examples of questions to ask the target company to obtain its cash and deposit information. "Please tell us the purpose of each account listed in the list of bank accounts and the circumstances under which the account was opened. Also, do you have any overseas deposit accounts that you have not used for a long time?" (This will be called Question A.)

[0030] Such information is under the control of the server 2, and is sent to the control terminal 1 when the control terminal 1 requests question information about "cash and deposits." After that, question A is sent from the control terminal 1 to the user terminal 4, and the answer to question A is returned from the user terminal 4 to the control terminal 1.

[0031] Assume that the following reply regarding cash and deposits is given from user terminal 4 in response to question A. "The XX bank account is for deposits, and the △△ bank account is for paying expenses. Both were opened when the company was established. There are no accounts that have not been used for a long time." (This will be called Answer A.)

[0032] Since answer A is an answer to question A, these pieces of information are related to each other. Answer A is sent from management terminal 1 to server 2, where answer A is associated with question A and newly stored. The answer may also include auxiliary information to the answer, such as accounting information.

[0033] Furthermore, information required for creating a prompt (referred to as essential information A) is pre-linked to question A under the management of server 2. Therefore, answer A is linked as information related to question A and essential information A and is placed under the management of server 2. Figure 2 shows this state (although omitted in the figure, the above-mentioned auxiliary information may also be included in the information under the management of server 2).

[0034] Moreover, the required information is information for drawing out a useful answer from the text generation AI 3. Simply asking the text generation AI 3 to provide the expected risks regarding the cash deposits while showing the current state of the target company's cash deposits based on the answer A often generates an answer that contains a lot of noise or an answer that differs from the purpose of the request.

[0035] The information reflected in the prompt to resolve such a problem is the above-mentioned essential information. The following is a specific example of essential information A. "There are cases where unnecessary accounts are opened to help bank employees meet their quotas. In such cases, there is a risk of collusion with the bank employees, so it is necessary to check that there are no unnecessary accounts, such as accounts that have not been used for a long time."

[0036] Assume that the following prompt has been created based on the above question A, required information A, and answer A. "We are planning to acquire a certain company (hereinafter referred to as the "target company") through a stock transfer. Therefore, we have conducted financial due diligence. In the financial due diligence, we asked the following questions: "Please tell us the purpose of each account listed in the list of bank accounts and the circumstances under which the accounts were opened. Also, are there any overseas deposit accounts that have not been used for a long time?" The intention of the questions is as follows. "It is possible that unnecessary accounts have been opened to help the bank staff meet their quotas. In this case, there is a risk of collusion with the bank staff, so it is necessary to confirm that there are no unnecessary accounts, such as accounts that have not been used for a long time." The target company's answer is as follows. "The XX bank account is an account for deposits. The △△ bank account is an account for paying expenses. Both were opened when the company was established. There are no accounts that have not been used for a long time." When you receive such an answer from the target company, what financial risks does the target company have in financial due diligence? Please explain in detail in about 300 characters. "

[0037] The above prompt is composed of a preface (background information for the question to the AI), a question for the target company, required information (the purpose of the question to the target company), the answer from the target company, and a request for financial risk to the AI. The prompt may be automatically created by the server 2 or the management terminal 1 based on the composition, or may be manually created by the management terminal 1.

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

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

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

[0041] Information exchange between the service provider and the service user may be performed by paper media, direct interviews, or other means, and as necessary, the management terminal 1 and the server 2 may be used. For example, processes required for evaluating financial risks, such as acquisition, collation, and updating of various information under the management of the server 2, etc., may be performed by the management terminal 1, and other information exchanges may be performed by paper media, etc.

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

[0043] After obtaining the answers to the questions from the service user, the service provider creates a prompt (S21) that requests the text generation AI 3 to provide the estimated financial risk for each account item obtained in the first step (second step).

[0044] As described above, the prompt is composed of questions for each account or item, required information, answers, etc. The prompt may be automatically created from this information by the server 2 or the like, or may be created manually by the management terminal 1. The created prompt is placed under the management of the server 2 or the like as necessary.

[0045] In addition, if there are no applicable account items or items for the target company, or if the account items are of low importance in M&A, etc., prompts do not necessarily need to be created for them.

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

[0047] It is assumed that a prompt created based on the above question A, required information A, and answer A is sent to the text generation AI3, and the following text is obtained from the text generation AI3 (S32). “Based on responses from the target companies, the main financial risks identified during financial due diligence are as follows: 1. Liquidity risk: As the deposits in the bank are used as collateral for the loan, they may not be freely disposable or available. This may affect the liquidity of the company and its ability to meet sudden cash demands. 2.**Accuracy of Financial Reporting**: Cash and deposits recorded on the balance sheet but which are actually used as collateral may not be properly presented. To ensure the transparency and accuracy of financial reporting, the treatment of these deposits must be properly disclosed. 3. Impact of collateral: If a deposit is used as collateral for a loan, the funds cannot be used for other purposes unless the deposit is released from the collateral. This may affect the target company's cash flow and investment plans. With these considerations in mind, it is important to look at the substantial availability and liquidity of deposits when assessing a target company's financial condition."

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

[0049] Suppose this is done for 20 accounts, with 10 aspects to evaluate financial risk. Then, 200 prompts are sent to the text generation AI3, which generates 200 texts for them. This primary information obtained from the text generation AI3 becomes information for further evaluation.

[0050] Next, the service provider creates (S41) a prompt requesting an evaluation of the magnitude of each financial risk described in each text acquired in the third step from the management terminal 1 (fourth step). This is a step for evaluating the degree of importance of the financial risks described in the above 200 texts.

[0051] In creating the prompt, the primary information obtained from the text generation AI 3 may be further processed mechanically or manually, such as by selecting or extracting information. This is a process to make the text (assessment result of the magnitude of financial risk) generated by the text generation AI 3 more useful.

[0052] This process may be performed by a certified public accountant or other expert based on their experience, or may be performed automatically based on predetermined criteria managed by the server 2. Examples of the criteria include the following:

[0053] That is, for example, financial risk is judged to be high when the amount related to the account item indicating financial risk is equal to or greater than a specified amount with respect to the profits and assets of the target company. More specifically, financial risk is judged to be high when the amount is equal to or greater than 5% of the target company's pre-tax profit. Based on such criteria, information that is not necessary for evaluating the magnitude of financial risk is removed.

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

[0055] In the fourth step, just like the prompt in the second step, it can be created automatically or manually. In this example, the following prompt is created: "Our company is planning to acquire a certain company (hereinafter referred to as the "target company") through a stock transfer. For this reason, we have conducted financial due diligence. Below are the results of the analysis of financial due diligence. Please summarize what financial risks the target company has. Please answer in bullet points, focusing on those that will have an impact on actual net assets and normal profitability. Please also consider your answer on the assumption that the answers obtained from the target company are complete and accurate. ···(Analysis result 1) ··· ···(Analysis result 2) ··· ...(Analysis result 3)..."

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

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

[0058] Finally, based on the prompt created in the fourth step, the service provider requests the text generation AI 3 to evaluate the magnitude of the financial risk from the management terminal 1 (S51) (fifth step).

[0059] Assume that the following text is acquired from the text generation AI3 in the fifth step (S52). Based on the findings of our financial due diligence, we have summarized the potential risks to the target company below. We focus on factors that may affect the actual net assets and normal profitability. 1. **Bank account management status**: The target company has multiple bank accounts, and specific explanations were given regarding their purpose and opening history. The risk of opening unnecessary accounts or inappropriate relationships with bank personnel is considered low. There is also no risk of unclear fund transfers with respect to overseas accounts. 2.**Existence of deposit balances**: The Company confirmed that the deposit balances stated on the balance sheet matched the balance certificate issued by the bank. This did not indicate any particular risks regarding the existence of deposits or the valuation of foreign currency deposits. 3. **Deposits as collateral for borrowings**: The Company has confirmed that it has no deposits that are collateral for borrowings or that are subject to withdrawal restrictions. As a result, the risk regarding the availability of funds is assessed as low. 4. **Use of Checks**: The target company reports that it does not currently use checks and that there are no associated internal control risks. 5. **Cash flow management**: The target company manages cash flow by creating handwritten deposit and payment schedules. Since the company has a fixed client base, no significant risks have been identified, but as the company grows in the future, it is recommended that the company transition to a more sophisticated cash flow management method. 6.**Business funds and surplus funds**: The target company's cash and deposit balances are all business funds, and it has no surplus funds. This suggests that it may be vulnerable to unexpected changes in the economic environment or business fluctuations, but no direct financial risks have been identified. In light of these points, no significant financial risks have been identified for the target company, but it is advisable for the company to further strengthen its internal control system, including its cash management methods, in order to respond to future business expansion and changes in the market environment."

[0060] The above example is the evaluation result of the financial risk for each item related to the account. In addition to this, a prompt that generates text from other perspectives may be created. For example, a prompt may be created that requests an evaluation of the relative merits of the financial risk related to each account, or the identification of high-priority account items in M&A, etc.

[0061] The financial risks shown in the above example text (the information described as financial risks in 1 to 6 above) are associated with account items, questions, required information, answers, etc. as necessary, and placed under the management of server 2.

[0062] The service provider creates a financial risk assessment report (S61) based on the information on the assessment of financial risks described in the acquired text (DD report creation step). The financial risk assessment report is the output of the financial DD of the target company created in this way, and serves as a reference material for M&A of the target company as a so-called DD report.

[0063] The financial assessment report may reflect the results of the assessment of financial risk for each account item, or may reflect high-priority account items as important matters. In addition, based on the information obtained in the fifth step, the financial risks may be further assessed by a certified public accountant or other experts, or the judgment criteria related to the fourth step may be applied.

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

[0065] The system functions that the service provider should have include, first, a financial information acquisition means for acquiring the financial information of the target company for each account item. This corresponds to the function of the management terminal 1. The server 2 may also assume this function.

[0066] Another function of the system is a prompt creation information providing means. The prompt creation information providing means provides information for creating a prompt (the prompt in the above-mentioned second step) that requests the text generation AI 3 to tell what financial risks the target company has, based on the financial information acquired by the financial information acquisition means. This corresponds to the function of the server 2. The management terminal 1 may also take on this function.

[0067] Here, the information for creating a prompt refers to information related to the question, required information, and answer in the embodiment 1. As described above in the embodiment 1, the information is associated with each piece of information as necessary and placed under the management of the server 2.

[0068] Questions and required information for each account item are placed beforehand under the management of the server 2, etc. Answers obtained from the user terminal 4 in response to requests from the management terminal 1 are associated with the existing information.

[0069] For example, suppose that the management terminal 1 acquires an answer based on a question about the account item "cash and deposits." Then, suppose that the management terminal 1 requests the provision of information that matches the information about "cash and deposits" from the information under the management of the server 2.

[0070] In this case, the server 2 checks the account item "cash" against the information under its management, identifies matching information (such as questions and required information linked to "cash"), and provides that information to the management terminal 1. Based on the provided information, the management terminal 1 becomes able to create a prompt.

[0071] Furthermore, the system functions include an automatic prompt creation means. The server 2 or the management terminal 1 may have the automatic prompt creation means. An example is where all or a part of a prompt is created from a question, required information, an answer, etc. based on a predetermined syntax, as in the first embodiment.

[0072] The system also has a function called text generation AI communication means. The text generation AI communication means makes a specific request to the text generation AI 3 based on the created prompt and obtains the generated text. This corresponds to the function of the management terminal 1 or the server 2.

[0073] When a prompt is created for the account item "cash and deposit", the management terminal 1 sends the prompt to the text generation AI 3 and obtains the text generated in response to the prompt. The financial risk information written in the text is sent to the server 2 and linked to the information under management.

[0074] The prompt creation information providing means may also include a function of providing information for creating a prompt in the above-mentioned fourth step. Assume here that management terminal 1 requests information for creating a prompt in the above-mentioned fourth step for all account items or a predetermined range of account items.

[0075] In this case, the server 2 checks the specified account item against the information under its management, identifies matching information (such as primary information obtained from the text generation AI 3), and provides it to the management terminal 1. Based on the provided information, the management terminal 1 can create a prompt.

[0076] In addition, the system functions include an automatic prompt generation means as described above (the above functions are omitted to avoid repetition). The automatic prompt generation means may function based on the judgment criteria in the fourth step described above.

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

[0078] The system also includes a DD report creation means as a function. The DD report creation means creates a DD report based on the text acquired from the text generation AI 3. The DD report creation means may function based on the criteria shown in the first embodiment. The management terminal 1 or the server 2 may be responsible for this function.

[0079] Example 3 The following relates to the results of repeated testing carried out on the application of the present invention and consideration of possible forms of the invention.

[0080] The inventor of the present invention has been conducting financial due diligence using text generation AI since before the present invention. This time, the average work time required to create a due diligence report of the same or higher quality as a conventional due diligence report was reduced from 100 hours to 10 hours by using the financial due diligence based on the present invention.

[0081] In addition, it was confirmed that the market need for simple and quick DD reports was greater than initially expected. In other words, while financial DD, which was a comprehensive evaluation that took time, was the industry norm, this invention opened up a new market for financial DD that was narrowed down to specific items and quick financial DD.

[0082] The following invention forms are possible for a given range of financial due diligence needs. For example, suppose a service user requests that the financial risk of the target company's "cash and deposits" be made clear.

[0083] In this case, the account item "cash and deposits" of the information managed by the server 2 becomes priority information as a required item for financial risk assessment. For example, information related to the account item "cash and deposits" is processed (protected) so as not to be excluded throughout the steps related to financial risk assessment (from the second step to the DD report creation step in the first embodiment).

[0084] This will change the way information related to "cash and deposits" is handled. In other words, even if the amount of "cash and deposits" of the target company is less than a specified amount or the illegality is not significant, the information will no longer be excluded from the evaluation.

[0085] This allows the evaluation results of the financial DD for "cash and deposits" to be reflected in the DD report, regardless of the size of the financial risk. Information related to multiple account items may be protected simultaneously as priority information.

[0086] For example, suppose there is a request to clarify the financial risk related to the ratio of cost to sales (cost of sales / sales). In this case, all account items related to the numerator and denominator of the above formula are protected. Then, it becomes possible to create a DD report that is useful for various analyses, such as identifying account items that have a large or small impact on the sales-cost ratio. [Industrial Applicability]

[0087] The present invention can be used to create financial DD or DD reports to replace traditional financial DD, and can also be used to create customized financial DD or DD reports to meet specific evaluation target requirements. It can be used for. [Explanation of symbols]

[0088] 1 Terminal (management terminal) 2 Server 3. Text Generation AI

Claims

1. A method for evaluating financial risk by a system, comprising: a predetermined terminal requesting a text generation AI via a network to indicate a financial risk of a target company; and evaluating the financial risk described in the text acquired by the request as the financial risk of the target company, A first step of acquiring financial information of the target company by account item; a second step of generating a prompt requesting an assumed financial risk based on the financial information obtained by the first step; A third step of requesting the assumed financial risk from the terminal to the text generation AI based on the prompt created in the second step; a fourth step of creating a prompt requesting an evaluation of the financial risk described in the text obtained by the third step; and A fifth step of requesting an evaluation of the financial risk from the terminal to the text generation AI based on the prompt created in the fourth step; A financial risk assessment method achieved by a process including:

2. A method for evaluating financial risk by a system, comprising: a predetermined terminal requesting a text generation AI via a network to indicate a financial risk of a target company; and evaluating the financial risk described in the text acquired by the request as the financial risk of the target company, A first step of acquiring financial information of the target company by account item; A second step of reflecting predetermined information in the financial information acquired by the first step and creating a prompt requesting an assumed financial risk based on the information; A third step of requesting the assumed financial risk from the terminal to the text generation AI based on the prompt created in the second step; a fourth step of creating a prompt requesting an evaluation of the financial risk described in the text obtained by the third step; and A fifth step of requesting an evaluation of the financial risk from the terminal to the text generation AI based on the prompt created in the fourth step; This is achieved by a process including A financial risk assessment method in which the specified information in the second step is under the management of a management server that manages information linked to each account item in advance in order to request the text generation AI to determine the financial risk of the target company, and is provided to the terminal as information linked to an account item that matches the account item of the information obtained in the first step.

3. A financial risk assessment support system for supporting financial risk assessment of a target company, a financial information acquisition means for acquiring financial information of the target company for each account item; A prompt creation information providing means for providing information for creating a prompt to request a text generation AI about the financial risk of the target company based on the financial information acquired by the financial information acquisition means; a text generation AI communication means for making a predetermined request to the text generation AI based on a prompt created using information provided by the prompt creation information providing means, and acquiring text; Equipped with A financial risk assessment support system in which the prompt creation information providing means compares information for creating a prompt requesting financial risk for each account item with the financial information of the target company acquired by the financial information acquisition means, and provides specified information linked to matching account items to a specified terminal.

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