Property valuation systems, servers used for property valuation, property valuation methods, and property valuation software.

Abstract

This movable property collateral evaluation system 1 that evaluates the collateral value of livestock to be collateralized comprises: a shipment status estimation unit 131 which estimates the future shipment status of livestock to be collateralized, by using livestock-to-be-collateralized information including information on the breeding status of the livestock to be collateralized (for example, pigs) and past livestock information including information on the breeding status of the livestock raised in the past; a market information acquisition unit 121 which acquires market information including the transaction price of the livestock; a market price estimation unit 133 which uses the market information to estimate the future market price of the livestock to be collateralized; and a collateral value calculation unit 135 which calculates the collateral value of the livestock to be collateralized, from the future shipment status and the future market price.

Description

Personal Property Security Evaluation System, Personal Property Security Evaluation Server, Personal Property Security Evaluation Method, and Personal Property Security Evaluation Program

[0001] The present disclosure mainly relates to a personal property security evaluation system, a personal property security evaluation server, a personal property security evaluation method, and a personal property security evaluation program in livestock farming.

[0002] In recent years, in the livestock farming field, the utilization of asset-based lending (ABL) that sets movable property such as livestock being raised as collateral has attracted attention. Financial institutions acting as lenders also expect diversification of financing methods, reduction of default risks by checking the business conditions of borrowers through monitoring, and strengthening of relationships with livestock farmers as financing destinations. Therefore, the amount of financing in livestock farming has been increasing year by year.

[0003] Therefore, a personal property security financing support system has been developed to support information management and personal property evaluation of movable property that changes daily, such as livestock products (see Patent Document 1). In Patent Document 1, an information storage identifier such as an IC tag is attached to livestock, and the evaluation amount of the personal property security of livestock products is calculated based on the personal property management plan for each livestock (plans such as the types of feed given to livestock and the switching times, and the names of drugs to be administered and the dosing times during the period from the start of management to shipment), the feeding history, and the dosing history.

[0004] Japanese Patent Application Laid-Open No. 2009-122884

[0005] However, since the price of livestock used as personal property security is ultimately determined by the shipment volume to the wholesale market and the meat quality, etc., it is difficult to accurately calculate the evaluation amount based only on the information in the management situation of livestock as in Patent Document 1. In addition, the transaction prices in the wholesale market are not uniform and vary depending on the time and region. Also, factors such as the transportation costs associated with the transaction of livestock and the changes in the health status of livestock due to transportation are dynamic factors that affect the value. Therefore, it is difficult to accurately calculate the evaluation amount without taking these factors into account.

[0006] The present disclosure has been made to solve such problems, and its object is to provide a personal property security evaluation system, a personal property security evaluation server, a personal property security evaluation method, and a personal property security evaluation program that can perform more accurate personal property security evaluation considering even the transaction situation of livestock.

[0007] To achieve the above-mentioned objectives, the movable property collateral valuation system relating to this disclosure is a movable property collateral valuation system for evaluating the collateral value of livestock subject to collateral, comprising: a shipment status estimation unit that estimates the future shipment status of livestock subject to collateral using collateral livestock information including information on the livestock's rearing status and past livestock information including information on the livestock's rearing status in the past; a market information acquisition unit that acquires market information including the transaction price of the livestock; a market price estimation unit that estimates the future market price of livestock subject to collateral using the market information; and a collateral value calculation unit that calculates the collateral value of livestock subject to collateral from the future shipment status and the future market price.

[0008] In the movable property collateral valuation system, the shipment status estimation unit may use the past livestock information to estimate the future shipment status, including information regarding the future shipment timing of the livestock subject to collateral.

[0009] In the aforementioned movable property collateral valuation system, the market information acquisition unit may acquire the market information for each of the multiple wholesale markets in different regions, and the market price estimation unit may estimate the future market price for each of the multiple wholesale markets at the time of shipment of the livestock subject to collateral.

[0010] The movable property collateral valuation system may further include a shipping cost estimation unit that calculates the shipping cost of the livestock subject to collateral at the time of shipment from shipping information including information on the past shipping record of the livestock, and the collateral value calculation unit may calculate the collateral value of the livestock including the shipping cost.

[0011] In the aforementioned movable property collateral valuation system, the shipment information may include information on the transportation costs to wholesale markets for livestock that were raised in the past.

[0012] In the aforementioned movable property collateral valuation system, the shipment information may include shipment risk information related to the health condition of livestock previously raised.

[0013] In the aforementioned movable property collateral valuation system, the collateral livestock information includes non-breeding livestock information, which includes information on the rearing status of non-breeding livestock, and breeding livestock information, which includes information on the rearing status of breeding livestock, and the past livestock information includes past non-breeding livestock information, which includes information on the rearing status of non-breeding livestock that were reared in the past, and past breeding livestock information, which includes information on the rearing status of breeding livestock that were reared in the past, the market information acquisition unit acquires market information, which includes transaction price information of the non-breeding livestock, the shipment status estimation unit estimates the future shipment status of the non-breeding livestock using the collateral livestock information and the past livestock information, the market price estimation unit estimates the future market price of the non-breeding livestock to be collateral using the market information, and the collateral value calculation unit calculates the collateral value of the non-breeding livestock to be collateral from the future shipment status and the future market price.

[0014] In this movable property collateral valuation system, the non-breeding livestock information may include information on the breed, number, age in days, and weight of a group of non-breeding livestock as a record of their rearing status, and the past non-breeding livestock information may include information on the breed, number of livestock shipped, age in days at shipment, weight at shipment, and number of deaths from the start of rearing to shipment of a group of non-breeding livestock as a record of their rearing status in the past.

[0015] Furthermore, in the movable property collateral valuation system, the breeding livestock information includes information on the breed, number of births, and number of offspring of the breeding livestock as the rearing status of the breeding livestock, and the past breeding livestock information includes information on the breed, total number of births, and total number of offspring of breeding livestock that have been reared in the past. The shipment status estimation unit may use the breeding livestock information and the past breeding livestock information to estimate the number of offspring of non-breeding livestock in the future, and estimate the future shipment status of the non-breeding livestock, including the non-breeding livestock that will be born in the future.

[0016] In the aforementioned movable property collateral valuation system, the livestock may be pigs.

[0017] Furthermore, in order to achieve the above-mentioned objectives, the movable property collateral valuation server relating to this disclosure is a movable property collateral valuation server for valuing the collateral value of livestock subject to collateral, and comprises: a shipment status estimation unit that estimates the future shipment status of livestock subject to collateral using collateral livestock information including information on the livestock's rearing status and past livestock information including information on the livestock's rearing status in the past; a market information acquisition unit that acquires market information including the transaction price of the livestock; a market price estimation unit that estimates the future market price of the livestock subject to collateral using the market information; and a collateral value calculation unit that calculates the collateral value of the livestock subject to collateral from the future shipment status and the future market price.

[0018] Furthermore, in order to achieve the above-mentioned objectives, the movable property collateral valuation method relating to this disclosure is a movable property collateral valuation method for evaluating the collateral value of livestock that are to be used as collateral, and the method is performed by computer to perform the following steps: a shipment status estimation step, which estimates the future shipment status of the livestock to be used as collateral using collateral livestock information, which includes information on the livestock's rearing status, and past livestock information, which includes information on the livestock's rearing status in the past; a market information acquisition step, which acquires market information, including the transaction price of the livestock; a market price estimation step, which estimates the future market price of the livestock to be used as collateral using the market information; and a collateral value calculation step, which calculates the collateral value of the livestock to be used as collateral from the future shipment status and the future market price.

[0019] Furthermore, in order to achieve the above-mentioned objectives, the movable property collateral valuation program relating to this disclosure is a movable property collateral valuation program that causes a computer to evaluate the collateral value of livestock subject to collateral, and causes the computer to execute the following steps: a shipment status estimation step which estimates the future shipment status of the livestock subject to collateral using collateral livestock information which includes information on the livestock's rearing status and past livestock information which includes information on the livestock's rearing status in the past; a market information acquisition step which acquires market information including the transaction price of the livestock; a market price estimation step which estimates the future market price of the livestock subject to collateral using the market information; and a collateral value calculation step which calculates the collateral value of the livestock subject to collateral from the future shipment status and the future market price.

[0020] According to this disclosure using the above-described method, it is possible to perform a more accurate valuation of movable property collateral by taking into account even the trading conditions of livestock.

[0021] This is a system configuration diagram showing a movable property collateral valuation system including a movable property collateral valuation server according to one embodiment of this disclosure. This is an explanatory diagram showing specific examples of livestock information and market information. This is a flowchart showing the movable property collateral valuation routine executed in the calculation unit of the movable property collateral valuation server. This is a schematic block diagram showing the configuration of the computer according to the embodiment.

[0022] The embodiments of this disclosure will be described below with reference to the drawings.

[0023] <Configuration> Figure 1 is a system configuration diagram showing a movable property collateral valuation system 1 including a movable property collateral valuation server 101 according to one embodiment of the present disclosure. As shown in Figure 1, in the movable property collateral valuation system 1 according to this embodiment, the movable property collateral valuation server 101 and an information terminal 201 used by a user are connected to each other via a network NW so that they can communicate with each other. For the sake of simplicity, Figure 1 shows only the information terminal 201 assuming one user, but the movable property collateral valuation server 101 can connect to information terminals of multiple users via a network NW.

[0024] Furthermore, the movable property collateral valuation server 101 is connected via a network (NW) to information terminals of multiple farms F1, F2, and F3 where livestock are raised, and multiple wholesale markets M1, M2, and M3 where livestock are traded. It can obtain information about pigs at each farm F1, F2, and F3 (described later), and information about wholesale markets at each wholesale market M1, M2, and M3 (described later). For the sake of simplicity, Figure 1 shows only three farms and three wholesale markets, but the movable property collateral valuation server 101 can connect to many more farms and wholesale markets via the network (NW). Note that a single livestock farmer may own multiple farms.

[0025] The Movable Property Collateral Valuation System 1 is a system that evaluates the collateral value of livestock, primarily used by livestock farmers who receive loans using livestock as collateral, and by financial institutions that provide loans. The operator of the Movable Property Collateral Valuation System 1 provides a service to livestock farmers and financial institutions that evaluate the collateral value using the system. In the Movable Property Collateral Valuation System 1, the Movable Property Collateral Valuation Server 101 is managed by the operator of the Movable Property Collateral Valuation System 1, and livestock farmers and financial institutions use the information terminal 201. The Movable Property Collateral Valuation System 1 and its operator may provide services to livestock farmers only, to financial institutions only, or to multiple livestock farmers and multiple financial institutions. Furthermore, the Movable Property Collateral Valuation Server 101 may be managed by the livestock farmers themselves or by the financial institutions themselves.

[0026] In this embodiment, the livestock covered by the guarantee will be described as pigs. Pigs are mainly divided into breeding pigs (breeding livestock) and non-breeding pigs (non-breeding livestock). Breeding pigs are so-called mother pigs that are raised to give birth to piglets. Non-breeding pigs are so-called meat pigs that are raised to be shipped for meat. Mother pigs are individually managed by assigning individual identifiers (individual IDs). Meat pigs are managed as groups by assigning group identifiers (group IDs) to groups of meat pigs.

[0027] The movable property collateral valuation server 101 consists of one or more servers (computers) that execute processing based on a program, and has various calculation units and storage units. Functionally, the movable property collateral valuation server 101 mainly has a livestock information database 111, a market information acquisition unit 121, a market information database 122, a calculation unit 131, and a display unit 141 (hereinafter, databases are referred to as DB).

[0028] The livestock information database 111 stores information on pigs subject to guarantees, past pig data, and shipment information obtained from farms F1, F2, and F3. For details, see Figure 2, which shows specific examples of livestock information and market information.

[0029] As shown in Figure 2, the pig information subject to guarantee includes information on market pigs currently being raised at each farm, and information on sows currently being raised. Specifically, the market pig information is group-managed information and includes information on the raising status of the market pigs, such as the breed of the group of market pigs subject to guarantee, the number of groups / identifiers, the number of market pigs in each group, the number of days since birth (age in days), the type, amount and timing of feed given (feeding history), the type, amount and timing of medication administered (medication history), and the current group weight. The sow information is individually managed information and includes information on the raising of each sow, such as the breed of the sow subject to guarantee, the number of sows, the number of births, whether or not they are pregnant, the method of mating, the date of mating, the expected date of birth, the number of piglets born in one birth (number of births) and the number of weaned piglets, age in days, feeding history, medication history, and weight.

[0030] Past pig information includes past pig information for market pigs raised at each farm in the past, and past sow information for sows raised in the past. Specifically, past pig information is group-managed information and includes information on past rearing conditions up to shipment, such as the breed of the pig herd, the number of pigs at shipment (number of pigs shipped), the age in days at shipment (age in days at shipment), feeding history, medication history, group weight at shipment (group weight at shipment), the meat quality of the shipped pigs, and the number of pigs that died before shipment. Past sow information is individually managed information and includes information on past rearing conditions related to the birth of market pigs, such as the breed of the sow, the breed of the boar used for mating, the method of mating, the number of miscarriages, the total number of births, the total number of piglets born, the number of piglets born at each birth (number of surviving piglets) and the number of weaned piglets, feeding history, medication history, etc.

[0031] This historical pig data, including all of the above information, is stored not only at the farm but also elsewhere. For example, it is possible to statistically process data such as shipping trends by breed of market pigs, birthing trends by breed of sows, and shipping and birthing trends on a monthly or seasonal basis, based on date and time information associated with each event (shipment, feeding, medication, weight measurement, death, birthing, etc.).

[0032] Shipping information includes information on the costs associated with past shipments of market pigs from each farm, and this shipping information includes information on transportation costs and shipping risks. Specifically, transportation cost information is information on the costs associated with moving livestock to wholesale markets for shipments of livestock raised in the past, and includes information such as the name and address of the wholesale market to which the shipments are sent, the means of transportation, the number of animals shipped, and transportation costs. Shipping risk information is information on risks related to the health status of livestock raised in the past for shipments, and includes information such as the number of market pigs that died during shipment (number of deaths), the number of market pigs that were injured during shipment (number of injuries), and the number of market pigs that became ill during shipment (number of illnesses).

[0033] Shipping information, including all of this information, is stored not only at the farm level but also in the same way as past pig data. This allows for statistical processing of data such as trends in transportation costs and shipping risks for each wholesale market to which the pigs are shipped, as well as trends in transportation costs and shipping risks over time, such as on a monthly or seasonal basis.

[0034] The market information acquisition unit 121 has the function of acquiring market information, including the trading price of pigs, from each wholesale market M1, M2, M3 connected via the network NW, as well as from publicly available information sources. In particular, the market information acquisition unit 121 acquires market information for each of the multiple wholesale markets M1, M2, M3 in different regions. The market information acquisition unit 121 is connected to the market information DB 122.

[0035] The market information database 122 stores market information acquired by the market information acquisition unit 121. As shown in Figure 2, the market information stored in the market information database 122 includes basic market information and transaction price information for each wholesale market. Specifically, the basic market information includes information such as the name, address, size, types of products handled, business days, live animal acceptance hours, and expenses of the wholesale market. The transaction price information includes information on the current carcass price for each grade and the trend of carcass prices for each grade.

[0036] The calculation unit 131 has the function of calculating the collateral value of the pigs to be used as collateral from the livestock information stored in the livestock information DB 111 and the market information stored in the market information DB 122. Specifically, the calculation unit 131 has the following main functions: a shipping status estimation unit 132, a market price estimation unit 133, a shipping cost estimation unit 134, and a collateral value calculation unit 135.

[0037] The shipment status estimation unit 132 has the function of estimating the future shipment status of guaranteed pigs using guaranteed pig information and past pig information from the livestock information DB 111. For example, the shipment status estimation unit 132 uses the trends of past pig information for the same breed of pigs, such as the number of pigs shipped, age at shipment, group weight at shipment, meat quality, feeding history, medication history, and number of deaths, as benchmarks for the breed, age in days, feeding history, medication history, and herd weight in the guaranteed pig information, and estimates the future shipment timing, number of pigs to be shipped, and future meat quality of the guaranteed pigs. Furthermore, the shipment status estimation unit 132 uses the breed, number of births, date of birth, number of piglets born, feeding history, medication history, etc. of sows of the same breed in past sow information as a benchmark to estimate the number of market pigs that the sow in question can produce in the future, and estimates the future shipment timing, future shipment number, and future meat quality of those market pigs as future shipment status.

[0038] The market price estimation unit 133 has the function of estimating the future market price of the pigs to be secured using market information from the market information DB 122. For example, the market price estimation unit 133 uses the current and past transaction price trends of pigs in each wholesale market in the market information as benchmarks to estimate the carcass price for each grade of the same breed of pig at the time of shipment as the future market price.

[0039] In particular, the market price estimation unit 133 can estimate future market prices for multiple wholesale markets. However, the future market prices estimated by this market price estimation unit 133 do not necessarily include all wholesale markets stored in the market information DB 122; they may be limited to only a selected number of wholesale markets. This selection of wholesale markets can be specified by the user, or it may be limited to a predetermined number of wholesale markets based on the distance between the farm to which the poultry being pawned belongs and the wholesale market, or based on future market prices.

[0040] The shipping cost estimation unit 134 has the function of estimating the shipping cost of the pigs subject to guarantee at the time of shipment from the shipping information in the livestock information DB 111. For example, the shipping cost estimation unit 134 estimates the shipping cost from the farm raising the pigs subject to guarantee to each wholesale market, using the trends of the movement cost information and shipping risk information as benchmarks. Regarding shipping costs, similar to future market prices, it is possible to estimate shipping costs for each of the multiple wholesale markets.

[0041] The collateral value calculation unit 135 calculates the collateral value of the pork to be used as collateral based on the future shipping status estimated by the shipping status estimation unit 132, the future market price estimated by the market price estimation unit 133, and the future shipping cost estimated by the shipping cost estimation unit 134. In other words, the collateral value calculation unit 135 calculates the collateral value by taking into account the selling price if the pork were traded at the future market price of each wholesale market, based on the future shipping timing, future shipping volume (number of pigs, weight), and future meat quality of the future shipping status, and also taking shipping costs into account. Note that this future market price may be calculated by converting it to present value using a discount interest rate or the like.

[0042] The display unit 141 has the function of displaying information such as the collateral value calculated by the calculation unit 131 so that the operator can verify it. The information that can be displayed on the display unit 141 can also be displayed on the output unit 212 of the information terminal 201 via the network NW.

[0043] The information terminal 201 is a device such as a PC, smartphone, tablet PC, or mobile phone. The information terminal 201 may access the movable property collateral valuation server 101 by dedicated application software installed on the terminal. Alternatively, the information terminal 201 may access the movable property collateral valuation server 101 by using the operating environment (API (Application Programming Interface), platform, etc.) provided by the movable property collateral valuation server 101.

[0044] The input unit 211 is, for example, a device such as a keyboard, a mouse, or a touch pad that allows a user to input and select information by operating it. Alternatively, it may be a touch panel integrated with an output unit 212 such as a liquid crystal display or an organic EL display in a smartphone, a tablet, or a PC. The input unit 211 may be a voice input device. Note that the input unit 211 is not limited to direct input by the user and may also accept indirect input via other systems.

[0045] The output unit 212 is a display device or the like that displays information and the like to the user. It may be a display device independent of the information terminal 201, or may be a display device such as a liquid crystal display or an organic EL display in a smartphone or a tablet. The output unit 212 can display display data such as the personal property security evaluation result from the personal property security evaluation server 101.

[0046] Note that the information terminal 201 may be configured integrally without going through a network with the personal property security evaluation server 101.

[0047] <Processing Flow> Next, FIG. 3 shows a flowchart showing a personal property security evaluation routine executed in the arithmetic unit 131 of the personal property security evaluation server 101. Hereinafter, the personal property security evaluation method of the present embodiment will be described based on the flowchart.

[0048] First, as step S10, the arithmetic unit 131 selects a hog to be secured according to an operation by the input unit 211 of the information terminal 201 via the network NW. The selection of the security target is, for example, in units of farms, or in units of hog groups within a farm, sows, or a combination of these, and the hogs included in each unit are specified. When selecting in units of sows, hogs that are presumed to be born in the future by the selected sows can also be included in the security target.

[0049] In step S11, the calculation unit 131 identifies the current rearing status of the selected collateral from the livestock information in the livestock information DB 111. For example, if the collateral is selected on a farm basis, the calculation unit 131 obtains information from the livestock information DB 111 regarding the current rearing status of each group of market pigs from the market pig information of the selected farm, and also obtains information regarding the current rearing status of each sow from the sow information of the selected farm.

[0050] In step S12, the calculation unit 131 estimates the future shipment status of the guaranteed pigs using the shipment status estimation unit 132. For example, using the current rearing status of the guaranteed pigs identified in step S11 as a benchmark, the calculation unit estimates the future shipment status of the guaranteed pigs using the corresponding past pig information as a benchmark. In addition, for sows, using the past sow information corresponding to the selected sow as a benchmark, the calculation unit estimates the future shipment status of the number of pigs that the selected sow is estimated to give birth to in the future.

[0051] In step S13, the calculation unit 131 estimates future market prices using the market price estimation unit 133. For example, it obtains market information for pigs corresponding to the breed of pigs to be used as collateral, as identified in step S10, from the market information DB 122, and estimates future market prices corresponding to the pigs to be used as collateral, using current transaction prices and past transaction price trends as benchmarks. These future market prices are estimated for each of the multiple wholesale markets.

[0052] In step S14, the calculation unit 131 calculates the shipping cost using the shipping cost estimation unit 134. For example, it estimates the future shipping cost from the farm raising the pigs that are the subject of the guarantee identified in step S10 to each wholesale market. This future shipping cost is estimated for each of the multiple wholesale markets that are candidates for shipping destinations.

[0053] In step S15, the calculation unit 131 calculates the collateral value of the pigs selected as collateral by the collateral value calculation unit 135. For example, the collateral value of the pigs is calculated by determining the selling price based on the future market price estimated in step S13, using the future shipment information estimated in step S12, and then subtracting the value of the future shipment costs estimated in step S14. In other words, to simplify and express it as a formula, the collateral value = number of pigs to be shipped in the future × future market price at the time of future shipment - future shipment costs.

[0054] In step S16, the calculation unit 131 displays the collateral value of the pigs calculated in step S15 on the display unit 141 or the output unit 212 of the information terminal 201, and then terminates the routine.

[0055] The collateral value calculated by the movable property collateral valuation server 101 can be used when setting up initial collateral to initiate a loan and when monitoring the collateral thereafter. Furthermore, it can be used when disposing of movable property due to the bankruptcy of a borrower or during a transfer of management, enabling the transfer of movable property at a reasonable price.

[0056] As described above, the movable property collateral valuation system 1, including the movable property collateral valuation server 101 according to this embodiment, can perform a more accurate movable property collateral valuation by calculating the future collateral value of the pigs by taking into account not only the livestock information of the pigs to be used as collateral, but also market information including the transaction price of the pigs.

[0057] Specifically, the shipment status estimation unit 132 estimates future shipment status, including information on the future shipment timing of the pigs to be used as collateral, using past livestock information. This allows the collateral value to be calculated while also considering factors such as meat quality at the time of future shipment of the pigs to be used as collateral, and fluctuations in transaction prices at different times and seasons.

[0058] Furthermore, since market information is obtained from multiple wholesale markets in different regions, it is possible to assess the collateral value in the most suitable wholesale market, taking into account regional differences in transaction prices.

[0059] Furthermore, by estimating future shipping costs based on transportation cost information and shipping risk information, and by taking these shipping costs into account when calculating collateral value, a more accurate valuation of movable property collateral can be achieved.

[0060] Furthermore, by calculating the collateral value of a pig using information specific to the pigs being used as collateral and information specific to the sows that give birth to those pigs, it becomes possible to evaluate the collateral value of the pigs with greater accuracy, and it is also possible to evaluate movable property collateral including pigs that will give birth in the future.

[0061] As described above, the movable property collateral valuation system 1, movable property collateral valuation server 101, movable property collateral valuation method, and movable property collateral valuation program according to this embodiment can take into account even the trading status of livestock, enabling more accurate movable property collateral valuation.

[0062] <Program> Figure 4 is a schematic block diagram showing the configuration of computer 801. Computer 801 includes a CPU 802, main memory 803, auxiliary memory 804, and interface 805. Note that the CPU may be a GPU.

[0063] Here, we will describe in detail the programs for realizing each function of the movable property collateral valuation server 101 according to this embodiment.

[0064] The movable property collateral valuation server 101 is implemented in the computer 801. The operation of each component of the movable property collateral valuation server 101 is stored in auxiliary storage device 804 in the form of a program. The CPU 802 reads the program from auxiliary storage device 804, loads it into main memory 803, and executes the above processing according to the program. The CPU 802 also allocates a memory area in main memory 803 corresponding to the above-mentioned memory unit according to the program.

[0065] Specifically, the program is a movable property collateral valuation program for managing livestock information on computer 801, a movable property collateral valuation method for evaluating the collateral value of livestock to be collateral, a movable property collateral valuation program for evaluating the collateral value of livestock to be collateral, and a program that causes a computer to execute the following steps: a shipment status estimation step for estimating the future shipment status of livestock to be collateral using collateral livestock information including information on the livestock's rearing status and past livestock information including information on the livestock's rearing status in the past; a market information acquisition step for acquiring market information including the transaction price of the livestock; a market price estimation step for estimating the future market price of livestock to be collateral using the market information; and a collateral value calculation step for calculating the collateral value of livestock to be collateral from the future shipment status and the future market price.

[0066] The auxiliary storage device 804 is an example of a non-temporary tangible medium. Other examples of non-temporary tangible media include magnetic disks, magneto-optical disks, CD-ROMs, DVD-ROMs, and semiconductor memory connected via the interface 805. Furthermore, if this program is distributed to the computer 801 via a network NW, the receiving computer 801 may expand the program into the main memory 803 and execute the above processing.

[0067] Furthermore, the program may be intended to implement some of the functions described above. In addition, the program may be a so-called differential file (differential program) that implements the functions described above in combination with other programs already stored in the auxiliary storage device 804.

[0068] Although several embodiments of this disclosure have been described above, these embodiments can be implemented in various other forms, and various omissions, substitutions, and modifications can be made without departing from the spirit of the invention. These embodiments and their variations are included in the scope and spirit of the invention, as well as in the claims and their equivalents. Furthermore, although pigs were used as an example of livestock in the description of the embodiments, the movable property collateral valuation system may be applied to other livestock such as cattle or sheep.

[0069] 1...Movable property collateral valuation system 101...Movable property collateral valuation server 111...Livestock information DB 121...Market information acquisition unit 122...Market information DB 131...Calculation unit 132...Shipping status estimation unit 133...Market price estimation unit 134...Shipping cost estimation unit 135...Collateral value calculation unit 801...Computer 802...CPU 803...Main memory 804...Auxiliary memory 805...Interface

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