Financial instrument management system and financial instrument management method

Abstract

To achieve both a reduction in environmental burdens and an economic value when a supply chain user has contracted a financial product to which a money rate linked to environmental burdens is applied.SOLUTION: A financial product management system: holds supply chain information that indicates the content of business that a user included in a supply chain carries out, a facility used for the business and an environmental burden due to the business, financial product information that indicates a financial product for which the user included in the supply chain is a debtor and the money rate of the financial product based on the achievement state of target value of the environmental burden, and a calculation formula to calculate an economic value accruing from the business; determines a facility that would become the object of control, on the basis of the result of comparison of a cost when a money rate for the case where the target value based on the environmental burden indicated by the supply chain information and the financial product information has not been achieved is applied, with an economic value based on the calculation formula and the supply chain information; and generates a control message for the determined facility.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present invention relates to a financial product management system and a financial product management method.

Background Art

[0002] In order to achieve a sustainable society, in response to the trend of social decarbonization, measures to reduce environmental impact are being pursued in the manufacturing and logistics industries of the supply chain. For example, measures such as replacing and operating equipment with low energy consumption, procuring power generation using fuels with low CO2 emissions and renewable energy, and delivering goods using electric vehicles are being taken.

[0003] In response to these trends, financial institutions are setting interest rates linked to target values related to environmental impact (such as CO2 emissions) in order to support the management of businesses that actively promote the introduction of equipment and the implementation of operations necessary for these measures. For example, they have announced financing with interest rates linked to environmental impact target values (such as ESG (Environment Social Governance) bonds and sustainable linked loans).

[0004] In addition, some companies conduct business based on economic efficiency. However, companies are increasingly required to have a social significance over the long term rather than temporary profits, such as coping with continuous financing and maintaining trust with continuous business partners. For this reason, there are companies that aim to contribute to society. After achieving a certain level of sales obtained through production activities, such companies may prioritize growth investment in future business, stable operation of the business, and achieving the set target values for environmental impact.

[0005] As background technology for the present invention, there is Japanese Patent Application Publication No. 2022-14050 (Patent Document 1). This publication states that "a demand response control system includes a control device that performs demand adjustment by instructing consumers via a communication network to adjust their predetermined power consumption in response to a demand control request notified from a higher-level device via a communication network. The control device includes an information presentation unit configured to calculate an estimated environmental value for each consumer based on the environmental value obtained through demand adjustment at the consumer, and to present this information to the consumer via the communication network." (See abstract). [Prior art documents] [Patent Documents]

[0006] [Patent Document 1] Japanese Patent Publication No. 2022-14050 [Overview of the Initiative] [Problems that the invention aims to solve]

[0007] In the technology described in Patent Document 1, if consumers also place importance on economic values ​​other than environmental values, the consumers themselves must determine the reduction amount based on economic rationality. In particular, the technology described in Patent Document 1 does not consider loans with interest rates linked to target values ​​related to environmental impact, and if consumers receive such loans, they may suffer disadvantages as the interest rate fluctuates depending on the achievement of the target values.

[0008] Furthermore, in supply chains, products and services are sometimes delivered to customers after being procured, produced, and processed by multiple receiving users from the ordering user. However, the technology described in Patent Document 1 does not take into account the reduction in such cases where orders are placed and received.

[0009] Therefore, one aspect of the present invention involves controlling equipment to achieve both environmental impact reduction and economic value when a user of the supply chain has contracted for a financial product to which an interest rate linked to environmental impact is applied. [Means for solving the problem]

[0010] To solve the above-mentioned problems, one aspect of the present invention adopts the following configuration. The financial product management system has a processor and a memory, the memory holding supply chain information indicating the content of the work performed by a user included in the supply chain, the equipment used for the work, and the environmental burden caused by the work; financial product information indicating the financial product for which the user included in the supply chain is the debtor, and the interest rates for the financial product when the user achieves and fails to achieve a target value for environmental burden; and economic rationality information indicating a calculation formula for calculating the economic value generated by the performance of the work. The processor determines equipment that may be subject to control based on a comparison result between the cost when the interest rate for failure to achieve the target value based on the supply chain information and the environmental burden indicated by the supply chain information is applied, and the economic value based on the calculation formula and the supply chain information, and generates a control message for the determined equipment. [Effects of the Invention]

[0011] According to one aspect of the present invention, when a user of a supply chain has contracted for a financial product to which an interest rate linked to environmental impact is applied, it is possible to control equipment in a way that balances the reduction of environmental impact with economic value.

[0012] Other issues, configurations, and effects not mentioned above will be clarified by the following description of the embodiments. [Brief explanation of the drawing]

[0013] [Figure 1] This is a block diagram showing an example configuration of a supply chain information-linked financial product management system in Example 1. [Figure 2A]This is a diagram showing an example of the data configuration of financial product information in Example 1. [Figure 2B] This is a diagram showing an example of the data configuration of financial product information in Example 1. [Figure 3A] This is a diagram showing an example of the data configuration of supply chain information in Example 1. [Figure 3B] This is a diagram showing an example of the data configuration of supply chain information in Example 1. [Figure 3C] This is a diagram showing an example of the data configuration of supply chain information in Example 1. [Figure 4A] This is a diagram showing an example of the data configuration of economic rationality information in Example 1. [Figure 4B] This is a diagram showing an example of the data configuration of economic rationality information in Example 1. [Figure 5] This is a diagram showing an example of the data configuration of equipment control information in Example 1. [Figure 6A] This is a sequence diagram showing an example of the overall process in Example 1. [Figure 6B] This is a sequence diagram showing an example of the overall process in Example 1. [Figure 7] This is a flowchart showing an example of the value evaluation and economic rationality calculation process in Example 1. [Figure 8] This is a flowchart showing an example of the financing process in Example 1. [Figure 9] This is a flowchart showing an example of the equipment control process in Example 1. [Figure 10] This is a diagram showing an example of the screen configuration of the financing process screen in Example 1.

Modes for Carrying Out the Invention

[0014] Hereinafter, embodiments of the present invention will be described in detail based on the drawings. In this embodiment, the same components are generally denoted by the same reference numerals, and repeated descriptions are omitted. It should be noted that this embodiment is merely an example for realizing the present invention and does not limit the technical scope of the present invention.

[0015] In this embodiment, as an enterprise in the supply chain, a manufacturer undertakes the component processing business. Taking as an example the scenario where the enterprise sets the target value of environmental load and a financial product with an interest rate linked to the target value is used as financing, an explanation will be given.

[0016] For example, the operations are carried out in the order of financial contracts, production collection, packaging, and distribution. This embodiment is not limited to the example of manufacturing operations and is applicable to equipment investment in enterprise management, the use of buildings and factory facilities, distribution operations, energy procurement, and the equipment that operates them.

[0017] FIG. 1 is a block diagram showing a configuration example of a supply chain information-linked financial product management system 1. The supply chain information-linked financial product management system 1 is constituted by, for example, a computer including a CPU (Central Processing Unit) 11, an input device 12, an output device 13, a memory 14, an auxiliary storage device 15, and a communication device 16, which are mutually connected in accordance with internal wiring and bus standards. As the supply chain information-linked financial product management system 1, for example, a business computer, a PC (Personal Computer), and a general-purpose computer are applicable.

[0018] The CPU 11 includes a processor and executes a program stored in the memory 14. The memory 14 includes a ROM (Read Only Memory), which is a non-volatile storage element, and a RAM (Random Access Memory), which is a volatile storage element. The ROM stores invariant programs (for example, BIOS (Basic Input / Output System)) and the like. The RAM is a high-speed and volatile storage element such as a DRAM (Dynamic Random Access Memory), and temporarily stores the program executed by the CPU 11 and the data used during the execution of the program.

[0019] The auxiliary storage device 15 is a high-capacity, non-volatile storage device such as a magnetic storage device (HDD (Hard Disk Drive)) or flash memory (SSD (Solid State Drive)), and stores the program executed by the CPU 11 and the data used when the program is executed. In other words, the program is read from the auxiliary storage device 15, loaded into memory 14, and executed by the CPU 11.

[0020] The input device 12 is a device that receives input from the operator, such as a keyboard or mouse. The output device 13 is a device that outputs the program execution results in a format that the operator can see, such as a display device or printer.

[0021] The communication device 16 is a network interface device that controls communication with other devices according to a predetermined protocol. The communication device 16 may also include a serial interface such as USB (Universal Serial Bus).

[0022] Some or all of the programs executed by the CPU 11 may be provided to the supply chain information-linked financial product management system 1 via a network from a removable media (such as a CD-ROM or flash memory) or an external computer equipped with a non-temporary storage device, and stored in a non-volatile auxiliary storage device 15, which is also a non-temporary storage device. For this reason, the supply chain information-linked financial product management system 1 may have an interface for reading data from the removable media. In addition, some or all of the programs executed by the CPU 11 may be configured independently of the supply chain information-linked financial product management system 1, such as by being stored in the cloud.

[0023] The supply chain information-linked financial product management system 1 is a computer system that operates on a single physical computer, or on multiple logically or physically configured computers. It may operate on the same computer in separate threads, or on a virtual computer built on multiple physical computer resources.

[0024] The memory 14 includes, for example, a registration management unit 21, an environmental load calculation unit 22, an equipment control unit 23, a supply chain linkage management unit 24, an economic rationality estimation unit 25, and an accounts receivable management unit 26, each of which is a program.

[0025] The registration management unit 21 performs registration of user information, financial product information, etc. The environmental load calculation unit 22 performs the environmental load calculation process described later. The equipment control unit 23 performs processing to control the production equipment 4. The supply chain linkage management unit 24 performs processing such as generating supply chain information. The economic rationality calculation unit 25 performs the valuation and economic rationality calculation process described later. The debt management unit 26 performs the control rights buying and selling process described later.

[0026] For example, the CPU 11 implements the registration management function by operating according to the registration management unit 21, which is a program loaded into memory 14, and implements the environmental load calculation function by operating according to the environmental load calculation unit 22, which is a program loaded into memory 14. The relationship between the program and the function implemented by the CPU 11 is similar for other programs included in memory 14.

[0027] Furthermore, some or all of the functions implemented by the program contained in memory 14 may be implemented by hardware such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field-Programmable Gate Array).

[0028] The auxiliary storage device 15 holds, for example, financial product information 31, supply chain information 32, equipment control information 33, and economic rationality information 34. The financial product information 31 includes information about financial products. The supply chain information 32 includes information about the supply chain. The equipment control information 33 includes information about the production equipment 4. The economic rationality information 34 includes information about the economic rationality of users within the supply chain.

[0029] Furthermore, some or all of the information stored in the auxiliary storage device 15 may be stored in the memory 14, or in an external database connected to the supply chain information-linked financial product management system 1.

[0030] In this embodiment, the information used by the supply chain information-linked financial product management system 1 is independent of the data structure and may be represented in any data structure. For example, a data structure appropriately selected from tables, lists, databases, or queues can store the information.

[0031] Furthermore, the supply chain information-linked financial product management system 1, the production management system 3, and the production equipment 4 are connected to each other via a network 2 such as the Internet. The production management system 3 includes, for example, a production planning and performance management unit 41 and a financial processing unit 42. The production planning and performance management unit 41 manages the procurement, production, and shipment performance of users' manufacturing operations within the supply chain. The financial processing unit 42 performs financial processing, which will be described later.

[0032] The supply chain information-linked financial product management system 1 may be connected via network 2 to terminals, such as smartphones and PCs, owned by each user within the supply chain, that are capable of inputting and / or viewing data. Furthermore, a representative of a user's trading partner within the supply chain can use this terminal to input production plan conditions and information. This terminal may also be connected via network 2 to terminals owned by financial institutions that register financial products.

[0033] The user's representative within the supply chain performs tasks related to manufacturing operations, such as contracting, manufacturing, shipping, and delivery, based on instructions from the Production Planning and Performance Management Department 41 of the Production Management System 3. The user within the supply chain may perform these tasks in-house or outsource them to their business partners, and the order and receipt information for these tasks may be shared via the Production Management System 3.

[0034] Production equipment 4 is equipment owned by a user in the supply chain that performs the operations, and is, for example, equipment for performing metal press processing, heat treatment, and painting work. Production equipment 4 is equipped with a production status measurement sensor 5 that measures and collects information on the status of production operations, such as the operating time and energy consumption of production equipment 4, and is constantly performing measurements.

[0035] Furthermore, the production equipment 4 has communication capabilities and can display the status of completed work on a web page, etc., and transmit measured values ​​from the production status measurement sensor 5 to the production management system 3. This information can also be transmitted to the supply chain information-linked financial product management system 1 via the network 2.

[0036] Production equipment 4 may be a computer equipped with a large display. Alternatively, production equipment 4 may incorporate sensors that measure location information, such as GPS (Global Positioning System). Hereafter, production equipment 4 will also be referred to simply as "equipment."

[0037] Figures 2A and 2B show examples of the data structure of financial product information 31. Financial product information 31 is information obtained by horizontally joining, for example, the table shown in Figure 2A and the table shown in Figure 2B (that is, financial product information 31 includes, for example, all the columns of the table shown in Figure 2A and all the columns of the table shown in Figure 2B).

[0038] Financial product information 31 is provided by financial institutions and manages the financial products contracted by manufacturers through individual records. For example, each time a manufacturer, who is the debtor, contracts for a financial product, a record of financial product information 31 is added.

[0039] The financial product information 31 includes, for example, a financial product ID field 121, a financial product name field 122, a user ID field 123, a period field 124, an interest rate field 125, a target value field 126, a loan amount field 127, a status field 128, and a control rights trading performance field 129.

[0040] The Financial Product ID field 121 holds the Financial Product ID that identifies the financial product. The Financial Product Name field 122 holds information indicating the name of the financial product. The User ID field 123 holds the User ID that identifies the user (manufacturer) who is the debtor (contractor) of the financial product. The Period field 124 holds information indicating the debt period of the financial product.

[0041] The Interest Rate column 125 holds information indicating the interest rate when the target is achieved and when the target is not achieved. The Target Value column 126 holds information indicating the item that is the target of the interest rate-linked target, and the target value. Note that the target is defined, for example, as an indicator of environmental impact. The Loan Amount column 127 holds information indicating the amount of loan received by the user. The Status column 128 holds information indicating the status of the item that is the target of the target, showing the current state and details. The Control Rights Trading History column 129 holds information indicating the trading history of control rights, such as the date the control rights were traded, the price at which they were traded, the quantity traded, and the buyers and sellers.

[0042] Figures 3A, 3B, and 3C show examples of the data structure of supply chain information 32. Supply chain information 32 is information obtained by horizontally joining, for example, the table shown in Figure 3A, the table shown in Figure 3B, and the table shown in Figure 3C (that is, supply chain information 32 includes, for example, all the columns of the table shown in Figure 3A, all the columns of the table shown in Figure 3B, and all the columns of the table shown in Figure 3C).

[0043] Supply chain information 32 displays information regarding order placement and acceptance status within the supply chain, workload, and environmental impact generated by supply chain operations. One supply chain operation occurring within a supply chain is divided into one or more operations and placed as orders within the supply chain. Each record in supply chain information 32 corresponds to one order placement or acceptance (one operation that has been placed as an order) within the supply chain.

[0044] The supply chain information 32 includes, for example, a supply chain operation ID field 131, an order user ID field 132, an operation classification field 133, a delivery date field 134, an order quantity field 135, a finished goods inventory field 136, an estimated environmental load field 137, an estimated profit per unit field 138, an ordering user ID field 139, an operation period field 140, an operation equipment field 141, an equipment operating time field 142, a parts / materials type field 143, a parts / materials inventory field 144, and a progress rate field 145.

[0045] The Supply Chain Operation ID field 131 holds the Supply Chain Operation ID, which identifies operations within the supply chain. Order User ID Column 132 This field holds a user ID that identifies the user (company) that received the order for the work in question. The work classification field 133 holds information indicating the classification of the work in question.

[0046] The delivery date column 134 holds information indicating the delivery date for the ordered work. The number of orders received column 135 holds information indicating the number of orders received for the ordered work. The finished goods inventory column 136 shows the number of finished goods held by the order-receiving user for the ordered work. The number of finished goods inventory can be considered as the surplus number of finished goods that the order-receiving user does not need to manufacture for the ordered work.

[0047] The "Expected Environmental Impact" column 137 holds information indicating the expected environmental impact (e.g., CO2 emissions) from the supply chain if the ordered work is carried out. The "Expected Profit per Unit" column 138 holds information indicating the expected profit per unit for the ordering user upon completion of the work (e.g., the unit price per product delivered). The "Ordering User ID" column 139 holds a user ID that identifies the user (company) that ordered the work.

[0048] The Work Period column 140 holds information indicating the duration of the work. The Work Equipment column 141 holds information indicating the equipment necessary to carry out the work. The Equipment Operating Time column 142 holds information indicating the operating time of the work equipment when carrying out the work (operating time required to produce one product). The Parts / Materials Type column 143 holds information indicating the types of parts and materials (for example, parts and materials of the product to be manufactured) necessary when carrying out the work. The Parts / Materials Inventory column 144 holds information indicating the inventory of parts and materials held by the order-receiving user necessary when carrying out the work. The Progress Rate column 145 holds information indicating the progress rate of the work (the number of completed tasks relative to the number of orders).

[0049] Furthermore, supply chain companies (users) have a hierarchical structure (tree structure) regarding the ordering and receiving of supply chain operations. In other words, for a single supply chain operation, the top-level ordering user places orders with one or more receiving users in lower levels, and those one or more receiving users may place orders with one or more users in even lower levels. Therefore, supply chain information 32 may contain multiple records that include the same supply chain operation ID, and the ordering user in one record of supply chain information 32 may be the receiving user in another record that includes the same supply chain operation ID as that record.

[0050] Therefore, for example, by repeatedly searching for the ordering user ID of a record containing the same supply chain business ID as the order user ID of a record in the supply chain information 32, using the order user ID of the record as a key, or by repeatedly searching for the order user ID of a record containing the same supply chain business ID as the order user ID of the record in the supply chain information 32, using the ordering user ID of the record as a key, the hierarchical structure of orders and deliveries in supply chain operations can be identified.

[0051] Figures 4A and 4B show examples of the data structure of economic rationality information 34. Economic rationality information 34 is information obtained by horizontally joining the table shown in Figure 4A and the table shown in Figure 4B (that is, economic rationality information 34 includes, for example, all the columns of the table shown in Figure 4A and all the columns of the table shown in Figure 4B).

[0052] Each record in the economic rationality information 34 indicates the method for calculating economic rationality in supply chain operations. The economic rationality information 34 includes, for example, an economic rationality ID field 151, a supply chain operation ID field 152, an operation classification field 153, an economic rationality calculation formula field 154, a description field 155, an inventory / time shift field 156, an equipment shift field 157, a material change field 158, a processing method change field 159, a degree of urgency field 160, a controlled object field 161, and an economic rationality field 162.

[0053] The Economic Rationality ID field 151 holds the Economic Rationality ID, which identifies the record of the Economic Rationality Information 34. The Supply Chain Operation ID field 152 holds the Supply Chain Operation ID. The Operation Classification field 153 holds information indicating the classification of the operation.

[0054] The Economic Rationality Calculation Formula column 154 holds information showing the calculation formula (where the dependent variable y indicates economic rationality) for calculating the economic rationality of the business (the economic value when the business is performed). The Explanation column 155 holds information showing an explanation of the calculation formula. Specifically, for example, the Explanation column 155 shows the definition of the independent variable x in the calculation formula and the conditions in the calculation using the formula.

[0055] The Inventory / Time Shift column 156, Equipment Shift column 157, Material Change column 158, Processing Method Change column 159, and Urgency column 160 each show the parameters used in the calculation formula.

[0056] The 4Ms (Man, Machine, Material, Method) are known as four perspectives that influence manufacturing operations. The Inventory / Time Shift column 156 holds information on the allocation of people by labor and the allocation of finished goods inventory, which are examples of means related to Man among the 4Ms. The Equipment Shift column 157 holds information on the allocation of equipment, which are examples of means related to Machine among the 4Ms. The Material Change column 158 holds information on the allocation of materials, which are examples of means related to Material among the 4Ms. The Processing Method Change column 159 holds information on the change of processing methods, which are examples of means related to Method among the 4Ms.

[0057] The "Urgency" column 160 holds information indicating the urgency of the task. Urgency is an index where, for example, a higher value indicates a larger workload and fewer days remaining until the deadline. The "Controlled Task" column 161 holds a flag indicating whether the task is subject to control. The "Economic Rationality" column 162 holds information indicating the estimated value of economic rationality.

[0058] Figure 5 shows an example of the data structure of equipment control information 33. Equipment control information 33 includes, for example, an equipment ID field 171, an address field 172, an economic rationality ID field 173, a control command field 174, a controlled quantity field 175, and a condition field 176.

[0059] The Equipment ID field 171 holds the Equipment ID that identifies the production equipment 4 owned by the manufacturer. The Address field 172 holds information indicating the address for accessing the production equipment 4. The Economic Rationality ID field 173 holds the Economic Rationality ID. The Control Command field 174 holds information indicating the control commands that control the production equipment 4. The Controlled Quantity field 175 holds information indicating the controlled quantity for the production equipment 4. The Condition field 176 holds information indicating the conditions for controlling the production equipment 4.

[0060] Figures 6A and 6B are sequence diagrams showing an example of the entire process performed in this embodiment. First, the people (or organizations), systems, and terminals involved in the process will be described. Financial institution 101 registers information on financial products in the supply chain information-linked financial product management system 1 and obtains information on environmental impact from the supply chain information-linked financial product management system 1 via the operation system 102. Financial institution 101 performs operations related to credit provision and sales of financial products to debtors (manufacturers 105, described later) among the supply chain companies.

[0061] Credit officers and sales representatives of financial institution 101 input information on financial products and check the display of debtor information and environmental impact information via the operating system 102. The operating system 102 is, for example, a computer such as a PC. Debtors and financial institution 101 can also communicate with each other via this operating system 102.

[0062] The supply chain information-linked financial product management system 1 acts as an intermediary between the financial institution 101 and the production management system 3 of the supply chain company, and performs tasks such as acquiring measurement information indicating the environmental impact of manufacturing operations, managing various types of information, processing transfers as described later, and sending control commands for the production equipment 4.

[0063] Manufacturer 105 undertakes manufacturing operations for supply chain companies and receives financial products linked to environmental impact as debt from financial institutions. In this embodiment, Manufacturer 105 is a company that actually carries out manufacturing operations, but it could also be a head office department or holding company that handles manufacturing outsourcing and coordination (in this case, for example, supply chain companies lower down the chain than Manufacturer 105 carry out the manufacturing operations).

[0064] Manufacturer 106 is a subcontractor that performs work (e.g., manufacturing work such as processing parts) that it has received from Manufacturer 105. Manufacturer 107 is a further subcontractor (e.g., a sub-contractor) that undertakes work from Manufacturer 106. In other words, Manufacturer 105, Manufacturer 106, and Manufacturer 107 are included in a single supply chain. If there are further trading relationships within the supply chain, the supply chain will include further subcontractors.

[0065] Furthermore, manufacturers 105, 106, and 107 each possess their own ERP (Enterprise Resources Planning) and EDI (Electronic Data Interchange) systems 108, etc., for managing their own orders and inventory. Information indicating the progress of operations and transaction status can be entered via these EDI systems 108, etc., enabling integration with the production management system 3.

[0066] Next, the processes to be executed will be explained. The operating system 102, in accordance with the input from the financial institution 101, transmits information on financial products to the supply chain information-linked financial product management system 1 to request registration of the information on said financial products, or requests the provision of financial products to the debtor manufacturer 105 (S200).

[0067] The supply chain information-linked financial product management system 1 executes the following steps S201 to S208. The registration management unit 21 receives information entered via the device owned by each user and performs user registration by generating (or updating) user information 30 according to the received information (S201).

[0068] Although not shown in Figure 1, user information 30 is stored, for example, in the auxiliary storage device 15. User information 30 is, for example, a table for managing user information for accessing the supply chain information-linked financial product management system 1.

[0069] Specifically, for example, user information 30 holds information for financial institution 101, manufacturer 105, manufacturer 106, and manufacturer 107 (all examples of users). Each record in user information 30 includes, for example, user ID, username, user's affiliated institution, user category (e.g., creditor, debtor, etc.), user's industry, user's access rights, and user's contact information, as well as connection information to the ERP, EDI system, and production management system 3 owned by the user (a diagram of the data structure of user information 30 is omitted).

[0070] The registration management unit 21 registers the information received in step S200 into the financial product information 31, and also manages financial products in response to requests for the provision of financial products received in step S200 (S202).

[0071] In step S202, the registration management unit 21 periodically (for example, monthly) updates the target item value indicated in the status column 128 of the financial product information 31 based on the value calculated in the supply chain linkage management process in step S203, which will be described later. The registration management unit 21 also determines whether the item value in the status column 128 exceeds the target value in the target value column 126 (i.e., whether the target has been achieved), and stores the determination result in the status column 128. The registration management unit 21 then decides whether to adopt the interest rate indicated in the interest rate column 125 for when the target has been achieved or when the target has not been achieved, according to the determination result.

[0072] For example, in the financial product information 31 example in Figures 2A and 2B, in the record with financial product ID "F01", "2.7 kg" is stored as the emission amount in the status field 128. Since "2.7 kg" does not exceed the "2,000 kg" indicated in the target value field 126, "within range" is stored as the status in the status field 128, and the interest rate when the target is achieved, indicated in the interest rate field 125, "2.0% / year", is adopted.

[0073] Each of the manufacturers 105-107 has an EDI system 108 that performs an EDI system linkage process (S221) to acquire various information stored in the supply chain information 32 and economic rationality information 34, and transmits the acquired information to the production management system 3. In step S221, each of the EDI systems 108 may acquire the information by input via an input device, or it may acquire the information automatically from the production equipment 4 or production status measurement sensors 5.

[0074] The production planning and performance management unit 41 of the production management system 3 executes production planning and performance management processing (S211) using information received from the EDI system 108, and transmits the information stored in the supply chain information 32 and economic rationality information 34 to the supply chain information-linked financial instrument management system 1. In step S211, the production planning and performance management unit 41 performs processing to consolidate the information of each manufacturer 105 to 107 for each supply chain, as necessary, and then transmits the information to the supply chain information-linked financial instrument management system 1.

[0075] The supply chain coordination management unit 24 executes the supply chain coordination management process (S203). In step S203, the supply chain coordination management unit 24 registers or updates the supply chain information 32 according to the information received from the production management system 3.

[0076] The Supply Chain Integration Management Unit 24 calculates the emissions for each supply chain operation based on the value in the Estimated Environmental Load column 137 and the value in the Progress Rate column 145 of the Supply Chain Information 32. For example, in the record where the Supply Chain Operation ID in the Supply Chain Information 32 in Figures 3A, 3B, and 3C is "SC01", the estimated environmental load in that supply chain is "3kg" and the progress rate is "90%". Therefore, the Supply Chain Integration Management Unit 24 calculates 3kg × 90% = 2.7kg as the emissions for the supply chain where the order user ID is "U001" and the Supply Chain Operation ID is "SC01". In step S202 described above, the Registration Management Unit 21 stores "2.7kg", which is the emissions for that supply chain, in the Status column 128 of the Financial Product Information 31 for user ID "U001". If the same user is an order user for multiple supply chain operations, for example, the total value of emissions for those multiple supply chain operations (and / or the emissions for each operation) is stored in the status column 128 of that user.

[0077] For example, the supply chain coordination management unit 24 may receive information from the production management system 3 indicating the production volume (workload) of each order user, and calculate the progress rate corresponding to the order from the production volume and the number of orders. For example, in the supply chain information 32 in Figures 3A, 3B, and 3C, in the record with the supply chain business ID "SC01", information has been received indicating that production of "90" has already been completed for the number of orders "100" indicated in the number of orders column 135, so "90%" is stored in the progress rate column 145.

[0078] Next, the environmental load calculation unit 22 executes the environmental load calculation process (S204). In step S204, the environmental load calculation unit 22 calculates a controllable limit for each record (each order) in the supply chain information 32. Specifically, for example, the environmental load calculation unit 22 calculates a controllable limit for each record by multiplying the value shown in the assumed environmental load column 137 by the remaining business percentage (100% - progress rate). For example, in the order shown in the top record of the supply chain business ID "SC01" in the supply chain information 32 in Figures 3A, 3B, and 3C, the controllable limit is "0.3kg", which is 10% (=100% - progress rate 90%) of the assumed environmental load "3kg".

[0079] Furthermore, although the above example describes an example in which information indicating the assumed environmental load is received from the production management system 3 in step S203, the environmental load calculation unit 22 may calculate the assumed environmental load in step S204 and store it in the supply chain information 32. For example, suppose that the CO2 emissions per unit of power consumption and the power consumption for each piece of work equipment are predetermined. For example, in the order and delivery shown in the top record of the supply chain business ID "SC01" in the supply chain information 32 in Figures 3A, 3B, and 3C, "Pressing equipment A" is used for "2 hours". If the CO2 emissions per 1 kWh of power consumption are 0.4 kg and the power consumption of pressing equipment A is 3.75 kWh, then 3.75 kWh × 2 hours × 0.4 = 3 kg is calculated as the assumed environmental load.

[0080] Next, the economic rationality calculation unit 25 performs the valuation and economic rationality calculation process (S205).

[0081] Figure 7 is a flowchart showing an example of the valuation and economic rationality calculation process in step S205. The economic rationality calculation unit 25 selects one supply chain business ID included in the supply chain information 32 that is subject to evaluation and has not yet been selected (S701). The supply chain business IDs subject to evaluation are predetermined, and some supply chain business IDs may be subject to evaluation, or all supply chain business IDs may be subject to evaluation. For example, in step S701, the economic rationality calculation unit 25 selects the supply chain business ID "SC01".

[0082] The economic rationality calculation unit 25 obtains information about the economic rationality calculation formula contained in the record corresponding to the supply chain business ID selected in step S701 from the economic rationality information 34 (S702). Specifically, for example, the economic rationality calculation unit 25 obtains the following information from the economic rationality information 34 as information about the economic rationality calculation formula: economic rationality ID, supply chain business ID, business classification, economic rationality calculation formula, description, and parameters of the economic rationality calculation formula (those for which values ​​are available, such as inventory / time shift, equipment shift, and degree of urgency).

[0083] For example, if the supply chain operation ID "SC01" is selected in step S701, in step S702, the economic rationality calculation unit 25 obtains the economic rationality ID "E01", supply chain operation ID "SC01", operation classification "manufacturing", economic rationality calculation formula "y=ax-b", description "prioritizing the use of existing inventory, x is used as a variable for inventory quantity", inventory / time shift "inventory first out a=30", and equipment shift "delivery cost b=30".

[0084] The economic rationality calculation formula is expressed as a linear function, "y = ax - b," where y represents economic rationality, the independent variable x represents the amount of inventory used, the constant a represents the profit obtained by using one unit of inventory, and the constant b represents the additional cost incurred (the cost of delivering the inventory). Because the customer prioritizes using the inventory, the amount of manufacturing work that would have been required is reduced, thus reducing the environmental burden that would have been expected to be emitted by not operating production facilities. The economic rationality calculation formula "y = ax - b" shows the profit resulting from the elimination of the need to perform manufacturing work.

[0085] As will be explained in more detail later, the economic rationality will be judged by comparing the costs incurred due to rising interest rates (resulting in failure to meet environmental targets) with the lost funds due to reducing environmental impact and suspending or shifting manufacturing operations.

[0086] In addition, the economic rationality information 34 in Figures 4A and 4B includes multiple (two) records with the supply chain business ID "SC01". However, in step S702, for example, the value of the record in which the value of y in the economic rationality calculation formula is superior (e.g., smaller) may be obtained from among the multiple records. Alternatively, the multiple records may be presented to the user of the supply chain information-linked financial product management system 1 (displayed on the output device 13), and the record to be obtained may be determined by the user's input.

[0087] The economic rationality calculation unit 25 obtains information regarding the production status contained in each record corresponding to the supply chain business ID selected in step S701 from the supply chain information 32 (for example, all items shown in Figures 3A, 3B, and 3C) (S703).

[0088] For example, if the supply chain operation ID "SC01" is selected in step S701, in step S703, the economic rationality calculation unit 25 obtains the supply chain operation ID "SC01", order user ID "U001", business classification "manufacturing", delivery date "April 1, 2022", number of orders "100", finished goods inventory "200", estimated environmental load "3kg", estimated profit per unit "100", ordering user ID "U321", work period "-April 11, 2022", work equipment "press processing equipment A", equipment operating time "2 hours", material type "metal aluminum U-shape", parts and material inventory "1000", and progress rate "90%" from the supply chain information 32.

[0089] As shown in step S222 in Figure 6B, the EDI system 108 may perform an EDI system linkage process to acquire the above-mentioned production status information from the production equipment 4 and production status measurement sensors 5, and transmit the acquired information to the supply chain information-linked financial instrument management system 1. In step S703, the economic rationality calculation unit 25 may update the supply chain information 32 with the received production status information.

[0090] The economic rationality calculation unit 25 uses the information obtained in step S702 (if multiple supply chain business IDs are selected, it may use the sum of the values ​​of the records for the corresponding supply chain business IDs) to calculate the value of economic rationality and stores it in the economic rationality column 162 along with the calculation date (S704). For example, if the supply chain business ID "SC01" is selected in step S701, in step S704, the economic rationality calculation unit 25 calculates the value of economic rationality as y=ax-b=30*10-30=270 (yen).

[0091] The economic rationality calculation unit 25 compares the economic rationality value calculated in step S704 with the cost of failing to meet the target (S705). For example, if the supply chain operation ID "SC01" is selected in step S701, in step S705, the economic rationality calculation unit 25 calculates the cost of failing to meet the target as (assumed environmental load of 3 kg × (1 - progress rate of 90%) / target value of 2,000 kg) / loan amount of 10 million yen × annual interest rate of 2.0% / year = 30 yen. Also, since the number of orders is 100 and the progress rate is 90%, the remaining required production quantity is 100 × (1 - progress rate of 90%) = 10 units, and the cost per product due to the rise in interest rates is 3 yen.

[0092] The economic rationality value described above is y = 270 yen, and the cost per product due to the rise in interest rates is 3 yen. In other words, the economic rationality value is greater than the cost, so in the process of step S707 described later, the economic rationality calculation unit 25 stores "1" in the control target field 161 corresponding to the economic rationality ID "E01" in the economic rationality information 34, and the available amount of 0.3 kg (assumed environmental load of 3 kg × remaining progress rate (1-90%)).

[0093] In the example above, it is assumed that the interest rate on the loan amount is expressed as an annual rate, and the target value is also expressed as an annual figure. If the unit period for the interest rate and the unit period for the target value are different, the unit periods must be made to match. For example, in cases where only the environmental burden from direct work affects the interest rate (in cases where indirect work and emissions from operations such as transportation also affect the interest rate), the interest rate per direct work would be calculated as follows: 10 working days / 365 days * 4% annual interest rate = 0.0011%.

[0094] The economic rationality calculation unit 25 determines whether it has selected all of the supply chain business IDs included in the supply chain information 32 that are subject to evaluation (S706). If the economic rationality calculation unit 25 determines that there are any unselected supply chain business IDs (S706: NO), it returns to step S701.

[0095] The Economic Rationality Estimation Department 25 determines that the unselected items among the supply chain business IDs are do not have If it is determined that (S706: YES ) The comparison results are reflected in the economic rationality information 34 (S707), and the value evaluation and economic rationality calculation process is terminated. In step S707, for example, the economic rationality calculation unit 25 stores "1" in the control target field 161 corresponding to the economic rationality ID in the economic rationality information 34 for economic rationality IDs for which the economic rationality value calculated in step S704 is determined to be greater than the cost when the target is not met.

[0096] Furthermore, in the economic rationality calculation formula "y=(ax-b)×(-c)" for the record with the economic rationality ID "E02" in the economic rationality information 34 of Figures 4A and 4B, the degree of urgency c is taken into consideration. In this economic rationality calculation formula, the higher the degree of urgency, the lower the economic rationality. In manufacturing, profits may change from the initial forecast due to shortages of parts, personnel allocation, and changes in delivery dates caused by requests from other equipment or customers, and these circumstances can be reflected by incorporating the degree of urgency into the calculation formula. As mentioned above, the degree of urgency c is an indicator that, for example, becomes higher the more work is done in an operation and also becomes higher the fewer days remaining until the delivery date.

[0097] For example, the value of the urgency level c may be directly provided through EDI system integration, or it may be calculated by the economic rationality calculation unit 25 based on the remaining workload and the remaining days until the deadline. An example of how the economic rationality calculation unit 25 calculates the urgency level c of the supply chain operation "SC01" in the supply chain information 32 of Figures 3A, 3B, and 3C will be explained. For example, the number of orders for the supply chain operation is 100, and the progress rate is 90%, so the equipment operating time required to produce the remaining 100 × (1 - 90%) = 10 products is 2 hours × 10 = 20 hours. The deadline is April 11, 2022, and assuming the current date and time is April 7, 2022, the number of days available to work is 3 days (21 hours). In this case, the urgency level c is 0.95, which is the value obtained by dividing the equipment operating time required to produce the remaining 10 products (20 hours) by the number of days available to work (21 hours).

[0098] Returning to the explanation of Figures 6A and 6B, the supply chain information-linked financial instrument management system 1 and the production management system 3 then execute the loan processing (S206). The production management system 3 also sends a loan plan based on the results of the loan processing to each of the EDI systems 8, and each of the EDI systems 8 executes EDI system linkage processing to control the production equipment 4 according to the loan plan (S223).

[0099] Figure 8 is a flowchart illustrating an example of a loan processing operation. In the following explanation, an example is described in which the supply chain linkage management unit 24 included in the supply chain information-linked financial instrument management system 1 performs the loan processing operation. However, the loan processing unit 42 included in the production management system 3 may also perform the loan processing operation (after obtaining the necessary information for the loan processing operation from the supply chain information-linked financial instrument management system 1). The supply chain linkage management unit 24 selects one unselected supply chain business ID from the records in which "1" is stored in the control target field 161 of the economic rationality information 34 (S801). In the example of the economic rationality information 34 in Figures 4A and 4B, for example, in step S801, the supply chain business ID "SC01" is selected.

[0100] The supply chain coordination management unit 24 identifies the order-receiving relationship of the supply chain business ID identified in step S801 (S802). Specifically, for example, the supply chain coordination management unit 24 retrieves all records containing the supply chain business ID selected in step S801 from the supply chain information 32. The supply chain coordination management unit 24 then identifies the ordering user ID and the receiving user among the retrieved records. ID By tracing this, the hierarchical structure (tree structure) of orders and deliveries within the supply chain operations is identified. In addition, the supply chain coordination management unit 24 refers to the financial product information 31 to identify the users who are debtors among the users included in the order and delivery relationship.

[0101] The supply chain coordination management unit 24 calculates the available transfer limit between the order-receiving and receiving users identified in step S802 for the supply chain operations selected in step S801 (S803). Specifically, for example, the supply chain coordination management unit 24 obtains the value of the assumed environmental load column 137 (i.e., the environmental load if the operations are performed) for all supply chain operation IDs in the tree with the supply chain operation ID selected in step S801 at the top. If the supply chain operation ID "SC01" was selected in step S801, in the examples of Figures 3A, 3B, and 3C, the assumed environmental load corresponding to "SC01" is "3kg", and the maximum amount that can be transferred if the "SC01" operations are not performed is 3kg. Note that the progress rate corresponding to "SC01" is 90% (i.e., 10% of the work is not completed), so 3kg × 10% = 0.3kg is set as the available transfer limit. If there are multiple controlled operations, the available transfer limit is calculated as the sum of these values.

[0102] The supply chain coordination management unit 24 determines whether all supply chain business IDs to be controlled have been selected (S804). If the supply chain coordination management unit 24 determines that there are any supply chain business IDs to be controlled that have not been selected (S804: NO), it returns to step S801.

[0103] If the supply chain coordination management unit 24 determines that it has selected all the supply chain business IDs to be controlled (S804:YES), it sets information regarding the allocation (S805) and terminates the allocation process. In step S805, for example, the supply chain coordination management unit 24 stores a flag "1" indicating that each of the supply chain business IDs selected in step S801 is a controlled item in the controlled item field 161 of the economic rationality information 34, and stores the allocation limit calculated in step S803. Allocation based on the allocation limit is performed, for example, via the allocation processing screen shown in Figure 10, which will be described later.

[0104] Let's return to the explanation of Figures 6A and 6B. Next, the Debt Management Unit 26 executes the control rights sale process (S207). Specifically, for example, in step S207, the following procedures and processes are executed.

[0105] Financial institution 101 determines the financial product to be the subject of the control rights sale, indicates to its clients (e.g., investors) that the control rights can be sold to third parties, and enters into a control rights sale agreement between financial institution 101 and its clients (in which case financial institution 101 is the seller of the control rights and the client is the buyer).

[0106] The Debt Management Department 26 obtains the financial product ID of the financial product, for example, through input into the operating system 102 from a person in charge at a financial institution 101, and identifies the target of control (control rights) from the financial product information 31 based on the user ID corresponding to the obtained financial product ID. Specifically, the Debt Management Department 26 identifies the supply chain business ID of the record that includes the user ID as the receiving user or ordering user from the supply chain information 32, and extracts the record corresponding to the identified supply chain business ID and in which "1" is stored in the control target field 161 from the economic rationality information 34 as the target of control.

[0107] The Debt Management Department 26 identifies the economic rationality ID of the extracted record and identifies the control amount corresponding to the identified economic rationality ID from the equipment control information 33. The Debt Management Department 26 stores the identified control amount as the transaction amount in the control rights trading performance column 129 of the financial product information 31 corresponding to the financial product ID.

[0108] Furthermore, the Debt Management Department 26 obtains the date on which the sales contract was made and the name of the trading partner through input into the operating system 102 by the person in charge at the financial institution 101, and stores them in the Control Rights Sales Performance column 129 of the Financial Product Information 31 corresponding to the financial product ID.

[0109] Furthermore, the Debt Management Unit 26 stores the control right transaction price in the control right trading history column 129 corresponding to the financial instrument ID in the financial instrument information 31. For example, the Debt Management Unit 26 calculates the control right transaction price based on the control quantity. Specifically, for example, the Debt Management Unit 26 sets the control right transaction price for the control quantity (control ID) in accordance with instructions from the seller of the control right, presents it to the buyer, and the control right transaction price is determined when the unit receives notification from the buyer that they will purchase the control right at that price. Alternatively, the control right transaction price may be determined through price negotiations between the financial institution 101 and its trading partner, or it may be determined by a separate system.

[0110] In the example described above, financial institution 101 sells the control rights to a third-party trading partner. However, the control rights may also be sold to a trading partner further down the chain through the brokerage of a securities company. In such cases, the trading history is stored in the control rights trading history column 129.

[0111] Next, the equipment control unit 23 executes equipment control processing (S208).

[0112] Figure 9 is a flowchart showing an example of equipment control processing. The equipment control unit 23 selects one unselected economic rationality ID from the economic rationality information 34 that is included in the record where the flag "1" of the controlled object is stored, and retrieves the record containing the selected economic rationality ID from the equipment control information 33 (S901).

[0113] The equipment control unit 23 obtains control commands (indicating the control method set for each piece of equipment) from the selected record (S902). The control command field 174 of the equipment control information 33 stores control commands for reducing environmental impact (for example, reducing or eliminating CO2 emissions). Turning the equipment OFF, PowerDown (reducing operating output), low-power operation, and intermittent operation are all examples of control commands.

[0114] The equipment control unit 23 determines the control amount for the selected equipment (S903). For example, in the economic rationality information 34 in Figures 4A and 4B, the control target field 161 of the record with economic rationality ID "E01" contains the flag "1", and this record includes the supply chain operation ID "SC01". In the supply chain information 32 in Figures 3A, 3B, and 3C, the equipment operating time for the record with supply chain operation ID "SC01" is 2 hours and the progress rate is 90%, so control of 2 hours × (1 - 90%) = 12 min will be implemented. Therefore, in this example, the equipment control unit 23 stores "12 min" in the control amount field 175 of the record with economic rationality ID "E01" in the equipment control information 33 in Figure 6.

[0115] The equipment control unit 23 generates a control message for the selected equipment and sends the generated control message to the address in the address field 172 corresponding to the selected equipment (S904).

[0116] The method for generating a control message for equipment with equipment ID "3" in the equipment control information 33 of Figure 5 will be explained. For example, the equipment control unit 23 generates a control message that has been converted to a URL (Uniform Resource Locator) such as "http: / / xxxx / Device / 00032 / date_time=10:00-10:12&command=off" based on the address indicated in the address field 172, in order to turn the equipment OFF (control command) for 12 minutes (control amount) on April 10, 2022 (the date indicated in the economic rationality field 162 for economic rationality ID "E01" in the economic rationality information 34 of Figures 4A and 4B) (however, this is done with a time specification of "10:00-10:12" indicated in the condition field 176). The time specification of "10:00-10:12" shown in the condition column 176 is determined, for example, by "12 min" shown in the control amount column 175 and "10:00", which is the control start time specified by the user who owns the equipment.

[0117] The equipment control unit 23 determines whether it has selected all economic rationality IDs included in the records containing the flag "1" of the controlled object in the economic rationality information 34 (S905). If the equipment control unit 23 determines that there are any unselected economic rationality IDs included in the records containing the flag "1" of the controlled object in the economic rationality information 34 (S905: NO), it returns to step S901.

[0118] If the equipment control unit 23 determines that it has selected all economic rationality IDs included in the record containing the flag "1" of the controlled object in the economic rationality information 34 (S905: YES), it registers the control execution result (S906) and terminates the equipment control process.

[0119] In step S906, if the equipment control unit 23 receives a response from the production management system 3 or the EDI system 108 indicating, for example, that the equipment control indicated by the control message has been executed, the time of execution, and the executed control, it identifies the corresponding economic rationality ID in the equipment control information 33 for the equipment in question, changes the value of the flag in the control target field 161 corresponding to the identified economic rationality ID in the economic rationality information 34 to "0", and stores the execution time indicated by the response and the log indicating the executed control in the control target field 161. It also overwrites the same message in the production management system 3 (for example, the supply chain information-linked financial product management system 1 is assumed to share information indicating the control target and control quantity with the production management system 3).

[0120] In step S903, the equipment control unit 23 performs a process to determine which supply chain operations may be subject to control based on the target value of the environmental load, the actual emissions, and the predicted emissions for the remaining days.

[0121] Specifically, for example, the following processes are performed: The equipment control unit 23 selects one record in which the flag "1" is stored in the control target field 161 of the economic rationality information 34 (for example, records are selected in order from the largest value in the economic rationality field 162). For example, suppose the equipment control unit 23 selects a record in the economic rationality information 34 of Figures 4A and 4B where the economic rationality ID is "E01". The equipment control unit 23 identifies the supply chain business ID "SC01" indicated by that record and identifies the order user ID "U001" in the supply chain information 32 of Figures 3A and 3B where the supply chain business ID is "SC01". Furthermore, the equipment control unit 23 identifies a record from the financial product information 31 of Figures 2A and 2B that includes the order user ID "U001" as the user ID (debtor).

[0122] In Figures 2A and 2B, the financial product information 31 for the record with financial product ID "F01" has a target value of "2000 kg", the emissions as of "April 1, 2022" as indicated by the status in that record are "2.7 kg", the start date of the period in that record is "March 22, 2022", and the end date is "March 31, 2024".

[0123] In other words, since the total emissions for the 10 days from the start date, "March 22, 2022," to "April 1, 2022," as indicated by the status, are "2.7 kg," the equipment control unit 23 calculates the daily emissions as 2.7 kg / 10 = 0.27 kg.

[0124] Furthermore, the equipment control unit 23 obtains the current date and time. Here, for example, let's assume the current date and time is "October 1, 2022". The equipment control unit 23 calculates 548 days, which is the number of days remaining from the current date and time "October 1, 2022" to the end date of the period "March 31, 2024". The equipment control unit 23 calculates 548 days remaining × 0.27 kg of emissions per day = 147.96 kg. Since the emissions of 147.96 kg to be emitted by the remaining number of days are smaller than the target value of "2000 kg", the equipment control unit 23 decides that the supply chain operation ID "SC01" corresponding to the economic rationality ID "E01" can be controlled.

[0125] The equipment control unit 23 performs the above-described process for each record in the control target field 161 of the economic rationality information 34 where the flag "1" is stored (provided that the CO2 emissions do not exceed the target value).

[0126] Furthermore, in step S903, the equipment control unit 23 may perform the following process as a process to determine which supply chain operations may be subject to control: In the financial product information 31 in Figures 2A and 2B, the target value in the record with financial product ID "F01" is "2000kg", and the user ID indicated by the record is "U001". In the supply chain information 32, the supply chain operation ID of the record that includes the user ID "U001" as the order-receiving user is "SC01", and the assumed environmental load indicated by the record is "3kg", so when the supply chain operation of "SC01" is completed, 3kg of CO2 will be emitted.

[0127] In other words, if the supply chain operations for "SC01" last 10 days, then 30 kg / 10 days = 3 kg / day of CO2 emissions will be generated. Therefore, if the above-mentioned assumed environmental load is maintained, it will take 666.666 days from the start of operations (2000 kg divided by 3 kg / day) for CO2 emissions to exceed the target value.

[0128] Furthermore, the loan period for financial product ID "F01" is "March 2022". 22 The date is "March 31, 2024," and the current date is April 7, 2022. Assuming this is the end date of the loan period, there are 724 days remaining. Here, 724 - 666.666 = 57.344. In other words, there are more than 57 days between the end of the loan period and the date when the supply chain operations of "SC01" are executed daily and CO2 emissions exceed the target value. Thus, if the difference between the number of days remaining on the end date of the loan period and the number of days until CO2 emissions exceed the target value is a positive value, it is determined that there is a record of a supply chain operation ID with high economic rationality and that it should be executed repeatedly.

[0129] Furthermore, the repeated determination described above is performed in order from the supply chain business IDs in the economic rationality information 34 with the largest value in the economic rationality column 162 after interest rate comparison, until the above-mentioned conditions in the determination are met.

[0130] Furthermore, if the environmental impact target is not met even after the lending and equipment control processes are implemented, the higher interest rate applicable when the target is not met will, in principle, be applied. However, the debtor of the financial product may also apply the lower interest rate applicable when the target is met by consulting with a financial institution or purchasing emission allowances from trading partners or lenders.

[0131] Figure 10 shows an example of the screen configuration of the loan processing screen. The loan processing screen 1000 is displayed in the EDI system 108, etc., of each manufacturer (which may be only the debtor manufacturer, or only the top-level manufacturer in the supply chain tree structure) by the EDI system linkage process in step S223 when the loan processing in step S206 is performed.

[0132] The transfer processing screen 1000 includes, for example, a transfer remaining count display area 1001, a transferable list display area 1002, a request details display area 1003, a request execution button 1004, and a cancel button 1005.

[0133] The remaining loan amount display area 1001 displays a display frame for the remaining loan amount calculated from the target value of environmental impact stipulated in the financial product. In the example in Figure 10, the remaining loan amount display area 1001 shows that the remaining loan amount for CO2 emissions is 32.2 kg, and that the expected excess of CO2 emissions (from the target value) if the contracted work is completed is 0.02 kg. It is preferable that the calculation of the remaining loan amount and the expected excess be performed in conjunction with the calculation of the available loan amount in step S803, for example.

[0134] The flexible list display area 1002 shows a list of users within the supply chain who can share environmental burdens as a flow (orders within the supply chain are placed from left to right). In the example in Figure 10, the flexible list display area 1002 includes information about each flexible user, such as the company name, department in charge, business content, and name of the person in charge, as well as the flexible limit and corresponding information (for example, production equipment used for the work to be shared, and the business classification and delivery date of the work to be shared).

[0135] When one user is selected from the list of available options display area 1002, the request details display area 1003 displays the request for the allocation of environmental load to the selected user (for example, the control quantities and conditions of the equipment owned by the selected user, as indicated by the equipment control information 33 (the correspondence between equipment and the user who owns the equipment is predetermined)). The request details include, for example, the date, the date and time, the allocation items, and the processing required for the allocation.

[0136] When a user is selected from the available list display area 1002, and the request details are displayed in the request details display area 1003, the request execution button 1004 is selected, and the request details are sent to the selected user. If the cancel button 1005 is selected, for example, the flexibility processing screen 1000 is terminated.

[0137] In summary, the supply chain information-linked financial product management system 1 of this embodiment determines which equipment may be subject to control based on a comparison between the value of the user's economic rationality within the supply chain and the cost of failing to meet the target for financial products linked to environmental impact, thereby making an economically rational decision for the user.

[0138] Furthermore, the supply chain information-linked financial product management system 1 enables users within the supply chain to cooperate in sharing environmental burdens, thereby allowing borrowers to achieve their environmental burden targets, ultimately reducing their environmental burden and allowing them to apply lower interest rates when the targets are met.

[0139] It should be noted that the present invention is not limited to the embodiments described above, and various modifications are included. For example, the embodiments described above are described in detail to make the present invention easier to understand, and are not necessarily limited to those having all the configurations described. It is also possible to replace parts of the configuration of one embodiment with the configuration of another embodiment, and it is also possible to add configurations from other embodiments to the configuration of one embodiment. Furthermore, it is possible to add, delete, or replace parts of the configuration of each embodiment with other configurations.

[0140] Furthermore, each of the above configurations, functions, processing units, and processing means may be implemented in hardware, either partially or entirely, by designing them as integrated circuits, for example. Alternatively, each of the above configurations and functions may be implemented in software by having the processor interpret and execute programs that implement each function. Information such as programs, tables, and files that implement each function can be stored in memory, a recording device such as a hard disk or SSD (Solid State Drive), or a recording medium such as an IC card, SD card, or DVD.

[0141] Furthermore, the control lines and information lines shown are those deemed necessary for explanatory purposes, and not all control lines and information lines are necessarily shown in the actual product. In reality, it is safe to assume that almost all components are interconnected. [Explanation of Symbols]

[0142] 1. Supply chain information-linked financial product management system, 22. Environmental load calculation unit, 23. Equipment control unit, 24. Supply chain linkage management unit, 25. Economic rationality estimation unit, 31. Financial product information, 32. Supply chain information, 33. Equipment control information, 34. Economic rationality information, 1000. Transaction processing screen

Claims

1. A financial product management system, It has a processor and memory, The aforementioned memory is Supply chain information including a task ID that identifies the tasks performed by the user included in the supply chain, the equipment used for the tasks, the number of orders indicating the required production quantity for the tasks, the amount of inventory held by the user of finished products that can be manufactured by the tasks, the progress rate of the tasks against the number of orders, and the estimated environmental load caused by the tasks. Financial product ID that identifies a financial product for which a user included in the supply chain is the debtor, financial product information indicating the interest rate of the financial product when the target value of the environmental impact of the user's business is achieved and when it is not, the target value, and the loan amount of the financial product, The system maintains the aforementioned business, a formula for calculating the economic value generated by the performance of the aforementioned business, information indicating the definition of the independent variable in the formula, and economic rationality information indicating the values ​​of the parameters in the formula. The economic value calculated by the aforementioned formula represents the profit obtained by eliminating the need to perform the work related to a portion of the orders, as a result of allocating inventory of the finished products to a portion of the orders. The aforementioned independent variable indicates the amount of inventory of the finished products allocated to a portion of the number of orders, The aforementioned processor, For each business ID indicated by the aforementioned supply chain information, Based on the number of orders and the progress rate for the said business, the remaining required production quantity for the said business is calculated. By referring to the supply chain information and the financial product information, the cost is calculated based on the product of the assumed environmental load of the business and (1 - the progress rate of the business) divided by the target value corresponding to the financial product ID of the financial product for which the user performing the business is the debtor, and the interest rate and loan amount corresponding to the financial product ID, in which case the cost increases when the interest rate at which the target value is not met is applied compared to when the interest rate at which the target value is achieved is applied. Based on the aforementioned costs and the required production quantity, the cost unit price, which is the cost per product in the said business, is calculated. Based on the required production quantity and inventory level for the said business, the value to be substituted for the independent variable is determined. Based on the determined value, the parameter value, and the calculation formula, the economic value corresponding to the work is calculated. If, after comparing the cost unit price and the economic value, it is determined that the economic value is higher, the equipment used for the said business is designated as equipment that can be controlled. A financial product management system that generates control messages for the equipment determined above.

2. A financial product management system according to Claim 1, The memory holds equipment control information indicating control commands for each piece of equipment, The aforementioned supply chain information further indicates the operating hours of the equipment necessary to carry out the aforementioned operations, The aforementioned processor, By referring to the aforementioned supply chain information, the operating time of the determined equipment and the progress rate are obtained. Based on the acquired operating time and the progress rate, the operating time of the equipment required to manufacture the required number of units is calculated. The calculated operating time is determined to be the downtime for stopping the equipment. A financial product management system that includes the aforementioned downtime and the determined equipment control command indicated by the equipment control information in the control message.

3. A financial product management system according to Claim 1, The aforementioned supply chain information further shows a hierarchical structure indicating the order-receiving relationships between user operations included in the supply chain, The aforementioned processor, The value obtained by multiplying the assumed environmental load indicated by the supply chain information for the operations corresponding to the equipment that has been determined to be subject to control by the value obtained by subtracting the progress rate indicated by the supply chain information for the operations from 1 is calculated as the flexible limit for the environmental load related to the operations. A financial product management system that decides to allocate the calculated available credit limit to users who perform tasks included in the hierarchical structure, including the task in question.

4. A financial product management system according to Claim 3, The processor generates data for displaying a screen showing the users included in the supply chain, the relationships, and the available credit limits.

5. A method for managing financial instruments using a financial instrument management system, The aforementioned financial product management system has a processor and memory, The aforementioned memory is Supply chain information including a task ID that identifies the tasks performed by the user included in the supply chain, the equipment used for the tasks, the number of orders indicating the required production quantity for the tasks, the amount of inventory held by the user of finished products that can be manufactured by the tasks, the progress rate of the tasks against the number of orders, and the estimated environmental load caused by the tasks. Financial product ID that identifies a financial product for which a user included in the supply chain is the debtor, financial product information indicating the interest rate of the financial product when the target value of the environmental impact of the user's business is achieved and when it is not, the target value, and the loan amount of the financial product, The system maintains the aforementioned business, a formula for calculating the economic value generated by the performance of the aforementioned business, information indicating the definition of the independent variable in the formula, and economic rationality information indicating the values ​​of the parameters in the formula. The economic value calculated by the aforementioned formula represents the profit obtained by eliminating the need to perform the work related to a portion of the orders, as a result of allocating inventory of the finished products to a portion of the orders. The aforementioned independent variable indicates the amount of inventory of the finished products allocated to a portion of the number of orders, The aforementioned financial instrument management method is: For each business ID indicated by the aforementioned supply chain information, The processor calculates the remaining required production quantity for the said business based on the number of orders and the progress rate for the said business, The processor, by referring to the supply chain information and the financial product information, calculates the cost increase when the interest rate at which the target value is not met is applied compared to when the interest rate at which the target value is achieved is applied, based on the product of the assumed environmental load of the operation and (1 - the progress rate of the operation) divided by the target value corresponding to the financial product ID of the financial product for which the user performing the operation is the debtor, the interest rate and the loan amount corresponding to the financial product ID, The processor calculates the cost unit price, which is the cost per product in the said business, based on the said cost and the said required number of products to be manufactured. The processor determines the value to be substituted for the independent variable based on the required production quantity and inventory quantity for the said business. The processor calculates the economic value corresponding to the task based on the determined value, the parameter value, and the calculation formula. If the processor compares the cost unit price with the economic value and determines that the economic value is higher, it determines that the equipment used for the business can be controlled. A financial product management method comprising the processor generating control messages for the determined equipment.

6. A financial product management method according to Claim 5, The memory holds equipment control information indicating control commands for each piece of equipment, The aforementioned supply chain information further indicates the operating hours of the equipment necessary to carry out the aforementioned operations, The aforementioned financial instrument management method is: The processor, by referring to the supply chain information, obtains the operating time of the determined equipment and the progress rate. The processor calculates the operating time of the equipment necessary to manufacture the required number of units based on the acquired operating time and the progress rate. The processor determines the calculated operating time as the downtime for stopping the equipment. A financial product management method wherein the processor includes the downtime and the determined equipment control command indicated by the equipment control information in the control message.

7. A financial product management method according to Claim 5, The aforementioned supply chain information further shows a hierarchical structure indicating the order-receiving relationships between user operations included in the supply chain, The aforementioned financial instrument management method is: The processor calculates a flexible limit for the environmental load related to the business by multiplying the assumed environmental load indicated by the supply chain information for the business corresponding to the equipment that has been determined to be subject to control by the value obtained by subtracting the progress rate indicated by the supply chain information for the business from 1, and then calculating this value. A financial product management method comprising the processor deciding to allocate the calculated available credit limit to users who perform the tasks included in the hierarchical structure, which includes the task in question.

8. A financial product management method according to Claim 7, A financial product management method comprising a processor that generates data for displaying a screen showing users included in the supply chain, the relationships, and the available credit limits.

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