Value assessment system and value assessment method

Abstract

A value assessment support system comprising a storage device which stores prescribed information for assessment and a control device which: acquires values of a plurality of indexes representing social values or environmental values, said acquired values differing from each other in scale; acquires conversion information for converting each of the plurality of index values into a prescribed scale; calculates a new index value by integrating the plurality of indexes on the prescribed scale on the basis of the value of each index and the conversion information; calculates the values of business indexes relating to social value and environmental value on the basis of the calculated new index value; generates assessment information for the calculated values of the business indexes on the basis of said information for assessment; and outputs the generated assessment information to an output device.

Description

Value assessment system and value assessment method

[0001] The present invention relates to a value assessment system and a value assessment method.

[0002] Toward carbon neutrality, economic activities, including those of businesses, are being called upon to contribute to decarbonization. Accordingly, businesses are being asked to disclose non-financial information, such as their impact on the environment, including resource circulation, oceans, and forests, as well as their impact on society, including working conditions and diversity.

[0003] As a method for using such non-financial information in management decisions, for example, Patent Document 1 discloses a method that "takes into account not only Market Efficient Value Added (MEVA) but also Social Environmental Value Added (SEVA), which is a monetary conversion of social contributions." SEVA includes contributions to society through greenhouse gas emissions such as CO2, industrial waste, energy conservation, recycling, freely available patents, shareware, etc.

[0004] Japanese Patent Application Laid-Open No. 2003-233703

[0005] In order to achieve the Sustainable Development Goals (SDGs) and achieve social and environmental goals such as not exceeding planetary boundaries, it is important for all stakeholders to utilize non-financial information. However, the method in Patent Document 1 focuses on the company's own investment decisions and does not disclose a specific method for calculating social and environmental added value (SEVA) or how multiple stakeholders can utilize it in their businesses.

[0006] The present invention has been made in light of this current situation, and its purpose is to provide a value assessment system and a value assessment method that can provide stakeholders with information to grasp social value and environmental value from various perspectives in a unified manner and utilize it in their business.

[0007] One aspect of the present invention for solving the above problems is a value assessment system that includes a storage device that stores specified assessment information, and a control device that acquires the values ​​of multiple indicators that represent social value or environmental value and have different scales, acquires conversion information for converting each of the multiple indicator values ​​to a specified scale, calculates a new indicator value that integrates the multiple indicators using the specified scale based on the value of each of the indicators and the conversion information, calculates values ​​of business indicators related to social value and environmental value based on the calculated new indicator values, generates assessment information for the calculated business indicator values ​​based on the assessment information, and outputs the generated assessment information to an output device.

[0008] According to the present invention, it is possible to provide information that enables business stakeholders to comprehensively grasp social value and environmental value from various perspectives and utilize the information in their business. Other configurations and effects will become clear from the description of the following embodiments.

[0009] 1 is a diagram illustrating an example of the hardware and functions of the value assessment system according to the present embodiment. FIG. 2 is a diagram illustrating an example of index information. FIG. 3 is a diagram illustrating an example of the configuration of the value assessment system according to the first embodiment and the processing performed by the value assessment system. FIG. 4 is a diagram illustrating an example of the configuration of the value assessment system according to the second embodiment and the processing performed by the value assessment system. FIG. 5 is a diagram illustrating an example of an advice creation screen. FIG. 6 is a diagram illustrating an example of the configuration of the value assessment system according to the third embodiment and the processing performed by the value assessment system. FIG. 7 is a diagram illustrating an example of the configuration of the value assessment system according to the fourth embodiment and the processing performed by the value assessment system. FIG. 8 is a diagram illustrating an example of the configuration of the value assessment system according to the fifth embodiment and the processing performed by the value assessment system. FIG. 9 is a diagram illustrating an example of a feedback display screen. FIG. 10 is a diagram illustrating an example of the configuration of the value assessment system according to the sixth embodiment and the processing performed by the value assessment system. FIG. 11 is a diagram illustrating an example of an advice creation screen. FIG. 12 is a diagram illustrating an example of the configuration of the value assessment system according to the seventh embodiment and the processing performed by the value assessment system. FIG. 13 is a diagram illustrating an example of a service menu screen. FIG. 14 is a diagram illustrating an example of the configuration of the value assessment system according to the eighth embodiment and the processing performed by the value assessment system. FIG. 15 is a diagram illustrating an example of the setting of weighting coefficients for financial products.

[0010] An embodiment of the present invention will be described with reference to the drawings. The value assessment system according to this embodiment calculates the social and environmental values ​​(hereinafter referred to as "social environmental values") of business activities conducted by a company or the like by calculating the value of an index (integrated index) obtained by integrating multiple indexes (hereinafter referred to as "individual indexes") representing social or environmental values ​​using a predetermined conversion means. The value assessment system then uses the index value of the social environmental value to calculate the value of a social environmental business index, which is an index related to social and environmental values ​​and indicates the degree to which the social environmental value contributes to the business activities of the company or the like. Furthermore, the value assessment system evaluates the value of the calculated social environmental business index using predetermined evaluation information.

[0011] Social value is the value that is created by solving or improving social issues through business activities, while environmental value is the value that is created by solving or improving environmental issues through business activities.

[0012] FIG. 1 is a diagram illustrating an example of the hardware and functions of the value assessment system according to this embodiment.

[0013] The value assessment system is comprised of one or more information processing devices. Specifically, the value assessment system includes a control device 11 such as a CPU (Central Processing Unit), a memory 12 such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a storage device 13 such as a HDD (Hard Disk Drive) or an SSD (Solid State Drive), an input device 14 such as a keyboard, a mouse, or a touch panel, an output device 15 such as a touch panel or a display, and a communication device 16 configured from a NIC (Network Interface Card), a wireless communication module, a USB (Universal Serial Interface) module, a serial communication module, or the like.

[0014] The value assessment system includes the following functional units: an input unit 104 , a memory unit 105 , a calculation unit 106 , and an output unit 109 .

[0015] The input unit 104 receives input of various data via the input device 14 etc. For example, the input unit 104 receives input of evaluation information 101, performance index information 102, and weighting coefficient information 103.

[0016] The performance indicator information 102 is the performance value of each individual indicator. The individual indicators are, for example, carbon dioxide emissions, water resource usage, waste disposal volume, or parameters representing the working environment (e.g., the temperature of the office space). In this way, each indicator has a different scale (unit, scale).

[0017] The weighting coefficient information 103 is conversion information used when standardizing the scales of the individual indicators in the performance indicator information 102 and converting them into an integrated indicator. In this embodiment, the conversion information is a weighting coefficient, but other types of conversion means such as a function, a conditional expression, or a database may also be used.

[0018] The evaluation information 101 is information used to evaluate the calculated index value of the integrated index, and is, for example, a target value of the integrated index.

[0019] The storage unit 105 stores the data input to the input unit 104 in index information 600, which will be described later.

[0020] The calculation unit 106 includes an integrated index calculation unit 107 and an integrated index evaluation unit 108 .

[0021] The integrated index calculation unit 107 calculates the performance value of the integrated index based on the performance values ​​of each individual index and each weighting coefficient. Then, the integrated index calculation unit 107 calculates the value of the business index (social environment business index) related to social value and environmental value based on the calculated performance value of the integrated index.

[0022] The integrated index evaluation unit 108 generates evaluation information 110 for the value of the business index (social environment business index value) calculated by the integrated index calculation unit 107 based on the evaluation information 101 .

[0023] The evaluation information 110 is, for example, information relating to the difference between the target value of a business indicator and the value of the business indicator. Also, for example, the evaluation information 110 is information (first message) corresponding to the value of each individual indicator and information (second message) corresponding to the value of the social environment business indicator, which are associated with each individual indicator.

[0024] For example, the first message and the second message are rank information (A, B, C, D, E, etc.) obtained by quantizing the values ​​of the individual indicators and the social environment business index values. Furthermore, for example, the first message and the second message are advice messages about measures to be taken according to the values ​​of the individual indicators and the social environment business index values ​​(for example, advice that if carbon dioxide emissions are high, measures for decarbonization should be implemented). Furthermore, for example, the second message is information about interest rates according to the value of the social environment business index.

[0025] The output unit 109 outputs the generated evaluation information 110 to the output device 15 .

[0026] (Method of Calculating Integrated Index Value and Social Environmental Project Index Value) Here, a specific example of a method of calculating an integrated index value and a social environmental project index value by the integrated index calculation unit 107 will be described.

[0027] First, as described above, the types (scales) of the individual indicators are different from one another. Therefore, the integrated index calculation unit 107 uses a weighting coefficient Ck corresponding to each individual indicator Yk (actual value) to standardize the scale of each indicator Yk and calculate the integrated index value. For example, the integrated index value V is expressed by the following equation (1):

[0028] V=Σ(k=1,2,...,n) {Ck×Yk}...(1)

[0029] For example, if monetary value (yen) is used as the common unit for the integrated indicator, the unit of coefficient Ck will be yen / ton if the unit of individual indicator Yk related to CO2 emissions is tons, and the unit of coefficient Ck will be yen / cubic meter if the unit of individual indicator related to water resource use is cubic meter. Note that the common unit for the integrated indicator may be something other than monetary value, such as a dimensionless value or tons converted into CO2 emissions.

[0030] Furthermore, there may be desirable positive impacts on society and the environment and negative impacts that should be avoided. In such cases, the sign of the individual indicator Yk can be changed depending on whether it is positive or negative, and there is no need to reflect the positive or negative impact in the coefficient Ck.

[0031] Furthermore, the integrated index value V may not be calculated by linear transformation using simple multiplication of individual indicators and coefficients, as in Equation (1), but may be calculated by transformation using quadratic or higher transformation formulas, exponential functions, or other functions. For example, for an individual indicator k for a pollutant, if a 1 kg leak of pollutant is compared with a 2 kg leak of pollutant and the latter has approximately four times the environmental impact of the former, the term for individual indicator k in the integrated index value V may be Ck*Yk*Yk. In this case, the unit of coefficient Ck is yen / (kg^2). Furthermore, for example, if the social environmental value differs depending on whether it exceeds an upper limit imposed by a specified regulation, the term for individual indicator k may be calculated using an equation that branches conditions depending on the value of Yk. Furthermore, if it is difficult to calculate the integrated index value V using a formula alone, a table may be used to convert the value of Yk into the term for individual indicator k.

[0032] Next, the social environment business index value B is calculated based on the integrated index value V, for example, using the following formula (2).

[0033] B=(V+Vp) / I...Formula (2)

[0034] Here, Vp is economic value and I is invested capital. Vp is a value that represents the profit (not based on social value or environmental value) that economic activity directly brings about, such as net operating profit after tax (NOPAT).

[0035] In this way, by dividing the sum of V, which represents social environmental value, and Vp, which represents pure economic value, by invested capital, it is possible to calculate an index that can be used to determine whether a business will improve social, environmental, and economic value, regardless of the size of the business scale of the company, etc. For example, it becomes possible to make management decisions such as investing further to expand a business that has a low invested capital but a high social environmental business index value B, and downsizing or withdrawing from a business that has a high invested capital but a low social environmental business index value B.

[0036] Weighting coefficients can be calculated using, for example, the substitution method used in cost-benefit analysis (B / C), the travel cost method, the consumer surplus method, the asset value method (hedonic method), or the contingent market valuation (CVM) method. If market transactions exist for individual indicators, those transaction prices can also be used. Furthermore, if the impact of changes in the value of each individual indicator on actual economic value (e.g., a company's sales, profits, stock price, or corporate bond spread) is known, the rate of change can be used to calculate the weighting coefficient. In this way, the weighting coefficient value represents the value placed on social and environmental value. For example, a manager who cares about water resources can set a relatively high coefficient for water resource use.

[0037] Note that the calculation methods for the integrated index and social environment business index values ​​described here are examples, and various types of integrated indexes that integrate indicators of multiple different units, and various types of methods for calculating social environment business index values ​​that use integrated indexes to show the relationship with economic benefits, are conceivable.

[0038] 2 is a diagram showing an example of the index information 600. The index information 600 includes performance information 601 and integrated index information 602.

[0039] The performance information 601 has the following data items: an index item 603 in which the type or name of each individual index is set; an actual value 604 in which the actual value of that index is set; a unit 605 in which the unit of that individual index is set; a weighting coefficient 606 in which the weighting coefficient of that individual index is set; an integrated index conversion 607 in which an integrated index term for that individual index (the product of the value of an individual index and the corresponding weighting coefficient; hereinafter also referred to as an integrated index conversion value) is set; and an evaluation result 608 in which information on the rank assigned to the integrated index conversion value is set.

[0040] The integrated index information 602 is information that includes a target value 609 of the integrated index value, a target value 610 of the social environment business index value, a total value 611 of the integrated index conversion value, a profit amount 612, invested capital 613, and an integrated index value 614.

[0041] The user can check the discrepancy between the target and actual results by comparing the target value 609 of the integrated index value with the total value 611 of the integrated index conversion value (or the target value 610 of the social environment business index value with the integrated index value 614).

[0042] The functions of the functional units of the value assessment system described above are realized by the control device 11 reading out programs from the memory 12 or the storage device 13. Each program can be recorded on, for example, a portable or fixed recording medium and distributed. All or part of these programs may be realized using virtual information processing resources provided using virtualization technology, process space separation technology, or the like, such as a virtual server provided by a cloud system. All or part of these programs may be realized by a service provided by the cloud system via an API (Application Programming Interface), for example. Next, details of each embodiment of the value assessment system will be described.

[0043] First Embodiment FIG. 3 is a diagram illustrating an example of the configuration of a value assessment system 1 according to a first embodiment and processing performed by the value assessment system 1. As shown in FIG.

[0044] The value assessment system 1 according to the first embodiment is configured to include a financial institution terminal 202 managed by a financial institution and a business operator terminal 201 managed by a business operator (loan seeker) requesting a loan from a financial institution.

[0045] Here, the value assessment system 1 according to the first embodiment stores the target value of the social environment business index value as assessment information 101 .

[0046] Furthermore, the financial institution terminal 202 according to the first embodiment stores, as evaluation information 101, a message (first message) corresponding to the value of each individual indicator and a message (second message) corresponding to the value of the social environment business index value (specifically, corresponding to the difference between the target value of the social environment business index value and the social environment business index value). The first message and the second message are components of an advice message to the business operator.

[0047] The financial institution terminal 202 also stores, as evaluation information 101, information (loan condition information) that indicates the loan details (loan amount, interest rate, etc.) according to the social environmental business index value. The loan condition information is, for example, a threshold value related to the social environmental business index value that determines whether to provide a loan of a predetermined amount or whether to apply a predetermined interest rate. The loan condition information is, for example, a calculation formula that uses the social environmental business index value as a variable to calculate the loan amount or interest rate. Note that the threshold value or calculation formula may take into account factors other than the social environmental value (for example, the business's credit information or business information).

[0048] The financial institution terminal 202 and the business operator terminal 201 are communicably connected via a wired or wireless communication network such as the Internet, a LAN (Local Area Network), a WAN, or a dedicated line.

[0049] Next, we will explain the processing performed in the value assessment system 1. First, the business operator terminal 201 accepts input of information regarding a loan (loan request information) from the business operator (s101). The business operator terminal 201 then transmits the loan request information to the financial institution terminal 202 (s102).

[0050] The loan request information includes the business operator's target profit Vp0, the target value Yk0 of each individual index value related to the social environmental value k to be provided by the business operator, and the desired loan amount I. The loan request information may also include the target value of each individual index value Yk0.

[0051] When the financial institution terminal 202 receives the loan request information, it calculates the integrated index value V0 and the social environment business index value B0 based on the received loan request information, for example, according to equations (1) and (2) (s103a).

[0052] Furthermore, the financial institution terminal 202 calculates the loan amount I' and interest rate for the business operator based on the calculated social environment business index value B0 and the loan condition information (s103b).

[0053] For example, when the social environment business index value B0 is greater than a predetermined threshold, the financial institution terminal 202 sets the desired loan amount I as the loan amount I', and when the social environment business index value B0 is equal to or less than the predetermined threshold, the financial institution terminal 202 sets the loan amount I' by subtracting the desired loan amount I from the predetermined threshold. Also, for example, the financial institution terminal 202 calculates the loan amount I' by substituting the desired loan amount I into a predetermined calculation formula.

[0054] Furthermore, for example, the financial institution terminal 202 sets a predetermined interest rate when the social environment business index value B0 is greater than a predetermined threshold, and sets a higher interest rate when the social environment business index value B0 is equal to or less than the predetermined threshold. Furthermore, for example, the financial institution terminal 202 calculates the interest rate by substituting the social environment business index value B0 into a predetermined calculation formula.

[0055] The financial institution terminal 202 transmits the information on the loan amount I' calculated in s103 and the loan conditions (interest rate) to the business operator terminal 201 (s104).

[0056] The business operator terminal 201 receives information on the loan amount I' and the loan conditions. The business operator receives a loan based on the received loan amount I' from the financial institution and carries out business activities for a predetermined period. The financial institution may use the social environment business index value as a judgment indicator when deciding whether to invest or lend, as an individual indicator (SPT) for a sustainable linked loan (SLL) or positive impact bond.

[0057] After a predetermined period, the business operator terminal 201 receives input of repayment information regarding repayment of the loan received and activity information regarding the business activity carried out from the business operator (s105).

[0058] The repayment information includes, for example, information on the repayment amount J according to the predetermined period. The activity information includes, for example, the profit earned during the predetermined period (current profit Vp) and the actual value Yk1 of each individual indicator related to the social environmental value generated by the business activities during the predetermined period.

[0059] The business operator terminal 201 transmits the repayment information and activity information to the financial institution terminal 202 (s106).

[0060] When the financial institution terminal 202 receives the repayment information and activity information, it calculates the integrated index value V1 and the social environment business index value B1 after a predetermined period of time based on the actual value Yk1 of the received activity information (for example, based on equation (1)) (s107).

[0061] Then, the financial institution terminal 202 calculates the difference between the integrated index value V0 calculated in s103 and the integrated index value V1 calculated in s107, and the difference between the social environment business index value B0 and the social environment business index value B1 (s107).

[0062] Furthermore, the financial institution terminal 202 calculates a new interest rate for the loan to the business based on each calculated difference value (s107). For example, if the integrated index value V1 (or social environment business index value B1) calculated in s107 is greater than the integrated index value V0 (or social environment business index value B0) calculated in s103, the interest rate is reduced according to the difference value. Note that the interest rate calculation method described here is an example.

[0063] The financial institution terminal 202 obtains a message (second message) corresponding to the difference value calculated in s103 from the evaluation information 101 and generates an advice message. The financial institution terminal 202 also obtains an advice message (first message) corresponding to the performance value Yk1 from the evaluation information 101 and generates an advice message. For example, the financial institution terminal 252 displays an advice creation screen (described below) for creating an advice message.

[0064] Then, the financial institution terminal 202 transmits the information of the interest rate calculated in s107 together with the advice message information to the business operator terminal 201 (s108).

[0065] The business operator terminal 201 displays the interest rate information and an advice message on the screen. The business operator then refers to the displayed advice message and makes repayment to the financial institution in accordance with the displayed interest rate.

[0066] If the business operator has not completed repayment of the entire loan amount I' to the financial institution (s109: no), the business operator terminal 201 executes the process of s105 after a predetermined period of time.

[0067] In this way, the value assessment system 1 of this embodiment calculates a social environment business index value based on the values ​​of the individual indicators of the business, and evaluates the business, i.e., determines the loan amount, based on the social environment business index value. This encourages businesses to undertake businesses with high social and environmental value.

[0068] Second Embodiment FIG. 4 is a diagram illustrating an example of the configuration of a value assessment system 2 according to a second embodiment and processing performed by the value assessment system 2. As shown in FIG.

[0069] The value assessment system 2 according to the second embodiment is composed of a business operator terminal 251 managed by a business operator (loan applicant) requesting a loan from a financial institution, a financial institution terminal 252 managed by the financial institution, and an assessment agency terminal 253 managed by a designated assessment agency that calculates the social environment business index value of the business operator.

[0070] The business operator terminal 251, financial institution terminal 252, and evaluation institution terminal 253 are communicatively connected via a wired or wireless communication network such as the Internet, a LAN (Local Area Network), a WAN, or a dedicated line.

[0071] The value assessment system 2 of the second embodiment is the same as the first embodiment, except that the function of calculating the social environmental business index value and the function of setting the loan amount and loan conditions are separated into the assessment agency terminal 253 and the financial institution terminal 252, respectively.

[0072] Next, a description will be given of the processing carried out in the value assessment system 2. First, the business operator terminal 251 executes the same processing as s101 and s102 in the first embodiment, and transmits loan request information to the financial institution terminal 252.

[0073] When the financial institution terminal 252 receives the loan request information from the business operator terminal 251 (s203), it transfers the received loan request information to the evaluation institution terminal 253 (s204).

[0074] The evaluation institution terminal 253 calculates the integrated index value V0 and the social environment business index value B0 (s205) in the same manner as in s103a of the first embodiment based on the loan request information received from the financial institution terminal 252. The evaluation institution terminal 253 transmits the calculated integrated index value V0 and the social environment business index value B0 to the financial institution terminal 252 (s206).

[0075] The financial institution terminal 252 calculates the loan amount I' and loan conditions (interest rate) for the business operator based on the integrated index value V0 and social environmental business index value B0 received from the evaluation institution terminal 253, similar to s103b in the first embodiment (s207).

[0076] The financial institution terminal 252 transmits the loan amount I' calculated in s207 and the loan conditions to the business operator terminal 251 (s208).

[0077] The business operator terminal 251 receives the information on the loan amount I' and the loan conditions, and displays the information on the loan amount I' and the loan conditions on the screen. The business operator receives a loan based on the loan amount I' from the financial institution and carries out business activities for a predetermined period of time.

[0078] After a predetermined period of time, the business operator terminal 251 accepts input of repayment information and activity information, as in s105 of the first embodiment. Then, the business operator terminal 251 transmits the repayment information and activity information to the financial institution terminal 252, as in s106 of the first embodiment.

[0079] When the financial institution terminal 252 receives the repayment information and activity information from the business operator terminal 251 (s209), it transfers the received repayment information and activity information to the assessment institution terminal 253 (s210).

[0080] The evaluation institution terminal 253 calculates the integrated index value V1 and the social environment business index value B1 after a predetermined period of time (s211), similar to s107 in the first embodiment. The evaluation institution terminal 253 transmits the calculated integrated index value V1 and the social environment business index value B1 to the financial institution terminal 252 (s212).

[0081] As in s107 of the first embodiment, the financial institution terminal 252 calculates the difference between the integrated index value V0 and the integrated index value V1, and the difference between the social environment business index value B0 and the social environment business index value B1, and calculates a new interest rate for the loan to the business operator (s213).

[0082] The financial institution terminal 252 also creates an advice message (s213) in the same manner as in s107 of the first embodiment. For example, the financial institution terminal 252 displays an advice creation screen (described later) for creating an advice message.

[0083] Then, similar to s108 in the first embodiment, the financial institution terminal 252 transmits the information of the interest rate calculated in s213 together with the information of the advice message to the business operator terminal 251 (s214).

[0084] The business operator terminal 251 displays the interest rate information and the advice message on the screen. The business operator then refers to the displayed advice message and makes repayment to the financial institution in accordance with the displayed interest rate.

[0085] The subsequent processing of the operator terminal 251 is the same as that of step S109 in the first embodiment.

[0086] 5 is a diagram showing an example of an advice creation screen 700. The advice creation screen 700 has an index display field 710 that displays each index value of the business operator, an advice display field 720 that displays an advice message, and a transmission unit 712 for transmitting the displayed advice message to the business operator terminal 251.

[0087] The indicator display column 710 displays the actual values ​​702 of the social environment business index and each individual indicator, the unit 703 (scale) of each individual indicator, the target values ​​704 of the social environment business index and each individual indicator, and the average values ​​705 of each individual indicator of the social environment business index of other businesses (competitors).

[0088] In the advice display field 720, a first message 721 regarding an individual indicator and a second message 722 regarding a social environment business indicator are automatically displayed, extracted from the evaluation information 101. The first message 721 and the second message 722 are messages corresponding to the difference between the actual value and the target value (or the average value of peers), or whether the actual value has achieved the target value (or the average value of peers). The financial institution can further edit each displayed message to improve it into a more appropriate advice message. In addition, the advice display field 720 displays information 723 regarding the individual indicator that is most effective for improving the social environment business indicator value.

[0089] As described above, the value assessment system 2 of the second embodiment differs from the first embodiment in that the entity (financial institution) that provides the loan and the entity (assessment agency) that calculates the social environment business index value and performs the assessment based on it are different, but it achieves the same effects as the first embodiment.

[0090] Third Embodiment FIG. 6 is a diagram illustrating an example of the configuration of a value assessment system 3 according to a third embodiment and processing performed by the value assessment system 3. As shown in FIG.

[0091] The value assessment system 3 according to the third embodiment is a system for a group (supply chain) made up of entities including multiple suppliers (supplier group) and a company (major company) that manages each supplier, in which the major company receives an assessment of the social value and environmental value of the supply chain and obtains a loan from a financial institution.

[0092] The value assessment system 3 according to the third embodiment includes one or more supplier terminals 301 managed by each supplier, a main company terminal 302 managed by the main company, an assessment agency terminal 303 managed by a business (assessment agency) that assesses the social value and environmental value of the supply chain, and a financial institution terminal 304 managed by a financial institution. The supplier terminal 301, main company terminal 302, assessment agency terminal 303, and financial institution terminal 304 are communicatively connected to each other via a wired or wireless communication network such as the Internet, a LAN (Local Area Network), a WAN, or a dedicated line.

[0093] Here, the value assessment system 3 according to the third embodiment stores information indicating the quality of each supplier (hereinafter referred to as supplier quality information), which is prepared according to the social environment business index value of each supplier, as assessment information 101. The supplier quality information is, for example, information such as "Rank A," "Rank B," "Rank C," etc., which is assigned according to the social environment business index value of each supplier.

[0094] Next, we will explain the processing performed in the value assessment system 3. First, the major company terminal 302 transmits to each supplier terminal 301 a request for information on social value and environmental value (hereinafter referred to as ESG information) related to the business conducted by each supplier (s301).

[0095] When each supplier terminal 301 receives the provision request, it transmits the ESG information of the corresponding supplier to the main company terminal 302 (s302). The ESG information includes the value of each individual indicator Yk0 of each supplier, the target profit Vp0 of each supplier, and the desired loan amount I of each supplier.

[0096] When the major company terminal 302 receives the ESG information from each supplier terminal 301, it transmits a request to calculate the social environment business index value of each supplier, together with the received ESG information, to the evaluation agency terminal 303 (s303).

[0097] When the evaluation institution terminal 303 receives the calculation request, it calculates the integrated index value V0 and the social environment business index value B0 of each supplier based on the ESG information attached to the calculation request, similar to s103a in the first embodiment (s304).

[0098] At this time, the evaluation institution terminal 303 generates rank information for each supplier based on the supply chain quality information for the calculated social environment business index value B0 of each supplier. For example, the evaluation institution terminal 303 sets a rank (A, B, C, ...) corresponding to each supplier in accordance with the value of the social environment business index value B0 while referring to the supplier quality information.

[0099] The evaluation institution terminal 303 transmits the calculated integrated index value V0, social environment business index value B0, and rank information of each supplier to the major company terminal 302 (s305).

[0100] The major company terminal 302 receives and stores the integrated index value V0, social environment business index value B0, and rank information of each supplier from the evaluation institution terminal 303 (s306).

[0101] The major company terminal 302 transmits the received integrated index value V0, social environment business index value B0, and rank information of each supplier to each supplier terminal 301 (s307). Each supplier can know the social value and environmental value of the supplier by referring to the information received by each supplier terminal 301.

[0102] Furthermore, the main company terminal 302 transmits the loan request information, to which the integrated index value V0, social environment business index value B0, and rank information of each supplier are attached, to the financial institution terminal 304 (s308).

[0103] Based on the integrated index value V0 and social environmental business index value B0 of each supplier received from the main company terminal 302, the financial institution terminal 304 calculates the loan amount I to each supplier while specifying the loan conditions for each supplier, as in s103b of the first embodiment (s309).

[0104] The financial institution terminal 304 transmits information on the loan conditions and loan amount I specified or calculated in s309 to each supplier terminal 301 (s310).

[0105] Next, the major company terminal 302 sends a request to the evaluation agency terminal 303 to calculate the social environmental business index value for the entire supply chain, with the received ESG information attached, based on the ESG information received from each supplier terminal 301 (s311).

[0106] When the evaluation institution terminal 303 receives the calculation request, it calculates the integrated index value Vall and the social environment business index value Ball of all suppliers based on the ESG information attached to the calculation request in the same manner as in s103a of the first embodiment (s311).

[0107] In this case, the evaluation institution terminal 303 may generate combinations of any suppliers extracted from each supplier, rather than all suppliers, and calculate the integrated index value Vsel and the social environment business index value Bsel for each generated combination.

[0108] The evaluation institution terminal 303 transmits the integrated index value Vall and the social environment business index value Ball calculated in s311 to the financial institution terminal 304, the main company terminal 302, and each supplier terminal 301 (s312).

[0109] The evaluation institution terminal 303 may transmit the integrated index value Vsel and the social environmental business index value Bsel calculated in s311 to the financial institution terminal 304 and the major company terminal 302. By referring to the integrated index value Vsel, the social environmental business index value Bsel, the integrated index value Vall, and the social environmental business index value Ball, the major company can thereby identify a combination of suppliers that will most likely improve the social environmental value and make it easier to obtain a loan, and can also encourage necessary suppliers to further improve the social environmental value.

[0110] In addition, the financial institution terminal 304 may calculate the loan amount Iall to all suppliers while specifying the loan conditions for the entire supply chain, as in s309, and transmit the calculated loan amount Iall to the main company terminal 302.

[0111] In addition, similar to s309, the main company terminal 302 may calculate the loan amount Isup to the suppliers while identifying the loan conditions for each combination of suppliers, and transmit the calculated loan amount Isup to the main company terminal 302.

[0112] Each supplier refers to the information received in the above process to determine whether or not to obtain a loan from the financial institution. After obtaining the loan, each supplier repays the loan to the financial institution in accordance with the loan conditions (interest rate) received in s309 (s313).

[0113] The value assessment system 3 of this embodiment provides the supply chain (major companies or each supplier) with the social and environmental business index values ​​of each supplier and the entire supply chain, as well as label information for each supplier. This enables each supplier, major companies, assessment agencies, and financial institutions to cooperate in improving the social and environmental value of the entire supply chain.

[0114] Although the value assessment system has been described above as being targeted at a supply chain, it may also be targeted at a group structure (corporate group) other than a supply chain.

[0115] Fourth Embodiment FIG. 7 is a diagram illustrating an example of the configuration of a value assessment system 4 according to a fourth embodiment and processing performed by the value assessment system 4. As shown in FIG.

[0116] The value assessment system 4 according to the fourth embodiment is a system for utilizing the integrated index value and the social environment business index value in the screening of applicants when public institutions such as the government or local governments implement measures such as specific projects or services (such as granting subsidies).

[0117] The value assessment system 4 according to the fourth embodiment includes a company terminal 351 managed by a company that applies for a policy (project), a public institution terminal 352 managed by a public institution that screens companies, and an assessment institution terminal 353 managed by an operator (assessment institution) that assesses the social value and environmental value of companies. The company terminal 351, the public institution terminal 352, and the assessment institution terminal 353 are communicably connected to each other via a wired or wireless communication network such as the Internet, a LAN (Local Area Network), a WAN, or a dedicated line.

[0118] Here, the value assessment system 4 according to the fourth embodiment stores, as assessment information 101, information indicating the approval criteria for a project according to the social environment project index value (hereinafter referred to as review information).

[0119] The assessment information may be, for example, a threshold value related to the social environment business index value. Furthermore, the assessment information may be, for example, a calculation formula using the social environment business index value as a variable to determine whether or not a company should participate in a policy. The threshold value or the calculation formula may also take into account factors other than the social environment value (for example, the credit information or business information of the business operator).

[0120] Next, we will explain the processing performed in the value assessment system 4. First, a public institution formulates policies to be implemented in cooperation with a company. After that, the public institution terminal 352 transmits a request for information on social value and environmental value (ESG information) related to the business being conducted by the company to the company terminal 351 (s401).

[0121] When the company terminal 351 receives the provision request, it transmits the corresponding ESG information to the public institution terminal 352 (s402). The ESG information includes the value of each individual indicator Yk0 of the company and the target profit Vp0 of the company.

[0122] When the public institution terminal 352 receives the ESG information from the company terminal 351, it transmits a request to calculate the company's social environment business index value, together with the received ESG information, to the evaluation institution terminal 353 (s403).

[0123] Upon receiving the calculation request, the evaluation institution terminal 353 calculates the company's integrated index value V0 and social environment business index value B0 based on the ESG information attached to the calculation request, similar to step s103a in the first embodiment (s404). The evaluation institution terminal 353 transmits the calculated integrated index value V0 and social environment business index value B0 to the public institution terminal 352.

[0124] When the public institution terminal 352 receives the integrated index value V0 and the social environment project index value B0, it calculates the possibility of the company being permitted to participate in the program or generates information on the conditions for permission to participate based on the screening information (s405).The public institution terminal 352 then transmits this information to the company terminal 351 (s406).

[0125] For example, the public institution terminal 352 generates information indicating that participation is permitted if the social environment project index value B0 is greater than a predetermined threshold. Furthermore, for example, the public institution terminal 352 calculates the possibility of permitting participation by substituting the social environment project index value B0 into a predetermined formula. Furthermore, for example, the public institution terminal 352 generates predetermined message information according to the social environment project index value B0.

[0126] The company terminal 351 displays the information received from the public institution terminal 352 on its screen (s407). The company refers to this screen and decides whether or not to participate in the campaign.

[0127] When the company decides to participate in the campaign, the company terminal 351 transmits a participation request accompanied by predetermined document data related to application for the campaign to the public institution terminal 352 (s408).

[0128] The public institution terminal 352 displays the document data attached to the participation request on the screen together with the information calculated or generated in s405 (s409). The public institution refers to this screen to determine whether or not to permit the company to participate in the program.

[0129] If the company's participation in the program is approved, document data relating to the contract or program contents is transmitted and received between the public institution terminal 352 and the company terminal 351 (s410).

[0130] In this way, the value assessment system 4 of this embodiment uses the social and environmental project index values ​​as the criteria for approval and licensing by public institutions and provides these to companies, thereby promoting public works that guarantee social and environmental value.

[0131] Fifth Embodiment FIG. 8 is a diagram illustrating an example of the configuration of a value assessment system 5 according to a fifth embodiment and processing performed by the value assessment system 5. As shown in FIG.

[0132] The value assessment system 5 according to the fifth embodiment is a system in which a company that provides products to consumers receives an assessment of the social and environmental value of the products from an assessment organization and provides the assessment to the consumers.

[0133] The value assessment system 5 according to the fifth embodiment includes a consumer terminal 401 managed by a consumer, a company terminal 402 managed by a company that provides products to the consumer, and an assessment agency terminal 403 managed by a business (assessment agency) that assesses the social value and environmental value of the products. The consumer terminal 401, company terminal 402, and assessment agency terminal 403 are communicatively connected to each other via a wired or wireless communication network such as the Internet, a LAN (Local Area Network), a WAN, or a dedicated line.

[0134] Here, the value assessment system 5 according to the fifth embodiment stores, as assessment information 101, information indicating the quality of a product or service according to the social environment business index value (hereinafter referred to as quality standard information).

[0135] Next, the processing performed in the value assessment system 5 will be described. First, the company terminal 402 transmits an assessment request, which includes information on social value and environmental value (ESG information) for a product or service (hereinafter referred to as the target product) being developed by the company, to the assessment institution terminal 403 (s501). The ESG information includes each individual index value Yk0 of the target product and the company's target profit Vp0. The individual index value Yk0 is, for example, an index value related to the raw materials, production, transportation, sales, business content, disposal, etc. of the target product.

[0136] When the evaluation institution terminal 403 receives the evaluation request, it calculates the integrated index value V0 and the social environment business index value B0 of the target product based on the ESG information accompanying the evaluation request, similar to s103a in the first embodiment (s502).

[0137] The evaluation institution terminal 403 also generates label information indicating the quality of the target product in terms of social value and environmental value based on the integrated index value V0 or the individual index value Yk0 and the quality standard information (s503). The label information includes, for example, predetermined characters, figures, or sentences. The label information is information for clearly indicating the social environment business index value of the target product to consumers.

[0138] The evaluation institution terminal 403 transmits the label information generated in s503 to the company terminal 402 together with the integrated index value V0 and the social environment business index value B0.

[0139] Meanwhile, the company terminal 402 creates content data relating to the target product (s504). For example, the company terminal 402 creates a website for providing or selling the target product to consumers.

[0140] The company terminal 402 attaches the label information received from the company terminal 402 to the content data created in s407 (s505). For example, the company terminal 402 attaches the label information to a website that lists information about the target product.

[0141] The company terminal 402 provides the content data created in s408 to consumers (s506), for example, by publishing a website.

[0142] The consumer terminal 401 accesses the content data of the company terminal 402 provided in s409 based on input from the consumer (s507). The consumer browses the content data, checks the label information and the target product, and decides whether or not to purchase the target product.

[0143] After the consumer purchases the target product, the consumer terminal 401 transmits feedback information (impressions, comments, evaluation value, etc.) regarding the purchased target product to the company terminal 402 (s509). The company terminal 402 displays a feedback display screen showing the feedback information, etc. The company refers to the feedback display screen to improve the target product or develop a new product.

[0144] 9 is a diagram showing an example of a feedback display screen 750. This feedback display screen 750 has a feedback display field 770 that displays feedback information for each target product, and a graph display field 780 that displays the relationship between the feedback and each index value.

[0145] The feedback display section 770 displays the number of "likes" 752 from consumers for each target product, the evaluation value 753, the individual index values ​​754, 755 for each target product, the social environment business index value 756 for each target product, and the sales performance 757 of each target product.

[0146] The graph display field 780 displays a scatter plot 760 showing the correspondence between the number of "likes" 761 and the social environment business index value 762, a scatter plot 763 showing the correspondence between the evaluation value and the social environment business index value, a scatter plot 764 showing the correspondence between the number of "likes" and individual index values ​​related to CO2, and a scatter plot 765 showing the correspondence between the social environment business index value and sales performance.

[0147] By referring to such feedback display screen 750, companies can use the information to develop and improve their products or services.

[0148] As described above, the value assessment system 5 of this embodiment uses the social environment business index value to provide consumers with the social and environmental value of products or services developed by companies, thereby improving consumer awareness of social and environmental value. Furthermore, the value assessment system 5 of this embodiment provides companies with label information (feedback) created using the social environment business index value, which can be used to develop products or services.

[0149] Sixth Embodiment FIG. 10 is a diagram illustrating an example of the configuration of a value assessment system 6 according to a sixth embodiment and a process performed by the value assessment system 6. As shown in FIG.

[0150] The value assessment system 6 according to the sixth embodiment is a system in which a provider that provides a specified product or service (hereinafter referred to as the target product) to a company receives an assessment of the social value and environmental value of the target product from an assessment organization and provides that assessment to the company, thereby encouraging the company to introduce the target product.

[0151] The value assessment system 6 according to the sixth embodiment includes a company terminal 451 managed by a company, a provider terminal 452 managed by a provider that provides the company with a target product, and an assessment agency terminal 453 managed by a business (assessment agency) that assesses the social value and environmental value of the target product. The company terminal 451, the provider terminal 452, and the assessment agency terminal 453 are communicably connected to each other via a wired or wireless communication network such as the Internet, a LAN (Local Area Network), a WAN, or a dedicated line.

[0152] Here, the value assessment system 4 of the sixth embodiment, like the fifth embodiment, stores information on the quality of the target product (referred to as quality standard information) according to the social environmental business index value as assessment information 101.

[0153] Furthermore, the value assessment system 4 according to the sixth embodiment stores a first message and a second message regarding the target product as the assessment information 101, similar to the first embodiment.

[0154] Next, the processing performed in the value assessment system 6 will be described. The provider terminal 452 calculates and outputs an individual index value Yk0 by executing a computer simulation to evaluate the performance (efficacy) of the target product (s601). For example, the provider terminal 452 executes a simulation model to calculate the impact of the target product on society or the environment (for example, index values ​​representing the amount of CO2 reduction, the amount of waste reduction, the amount of circulative resources, and the working environment).

[0155] The provider terminal 452 transmits an evaluation request accompanied by information on the social value and environmental value (ESG information) of the target product to the evaluation institution terminal 453 (s602). The ESG information includes the individual index value Yk0 output in s601 and the provider's target profit Vp0.

[0156] When the evaluation institution terminal 453 receives the evaluation request, it calculates the integrated index value V0 and the social environment business index value B0 of the target product based on the ESG information attached to the evaluation request, similar to s103a in the first embodiment (s603).

[0157] The evaluation institution terminal 453 also generates label information for the target product (s604), similar to that of the fifth embodiment. The evaluation institution terminal 453 also generates advice message information, similar to that of the first embodiment, by displaying an advice creation screen 800, which will be described later.

[0158] The assessment institution terminal 453 transmits the label information and advice message information generated in s604 to the provider terminal 452 together with the integrated index value V0 and the social environment business index value B0.

[0159] Meanwhile, the provider terminal 452 creates content data relating to the target product (s605). For example, the provider terminal 452 creates a website for providing or selling the target product to a company.

[0160] The provider terminal 452 attaches the label information received from the evaluation institution terminal 453 to the content data created in s602 (s606). For example, the provider terminal 452 uploads the label information and advice message information to a website that lists information about the target product.

[0161] The provider terminal 452 also displays on its screen the information of the advice message received from the evaluation institution terminal 453 (s606). Based on the displayed screen, the provider resets the simulation model or changes the development policy of the target product.

[0162] The provider terminal 452 provides the content data created in s606 to the company (s607). For example, the provider terminal 452 makes the website public.

[0163] Based on the input from the company, the company terminal 451 accesses the content data of the provider terminal 452 provided in s607 (s608). The company browses the content data, checks the label information and the target product, and purchases (introduces) the target product (s609).

[0164] 11 is a diagram showing an example of an advice creation screen 800. This advice creation screen 800 has an index display field 810 that displays each index value of the target product, an advice display field 805 that displays an advice message, and a transmission unit 806 for transmitting the displayed advice message to the provider terminal 452.

[0165] The indicator display field 810 displays the value of each individual indicator (design value 802) of each target product output by simulation, the unit 803 of the individual indicator, and the values ​​804 of the individual indicators of other similar products.

[0166] In the advice display field 805, a first message 821 regarding an individual indicator and a second message 822 regarding a social environment business indicator are automatically displayed, extracted from the evaluation information 101. The first message 821 and the second message 822 are messages corresponding to the difference between the design value and the average value of similar products, or messages corresponding to whether the design value achieves the average value of similar products. The evaluation institution can further edit each displayed message and improve it into a more appropriate advice message. In addition, the advice display field 805 displays information 823 regarding the individual indicator that is most effective for improving the social environment business indicator value.

[0167] In this way, the value assessment system 6 of this embodiment calculates the social environment business index value using a simulation performed by the provider developing the target product.The value assessment system 6 of this embodiment then uses this social environment business index value to generate a label for the target product and an advisory message for the provider.This encourages adopting companies to use target products with high social and environmental value, and encourages providers to develop target products with high social and environmental value.

[0168] Seventh Embodiment FIG. 12 is a diagram illustrating an example of the configuration of a value assessment system 7 according to a seventh embodiment and processing performed by the value assessment system 7. As shown in FIG.

[0169] The value assessment system 7 according to the seventh embodiment is a system for encouraging the use of the target assets by a service provider that provides (e.g., licenses) assets (products or services, hereinafter referred to as target assets) owned or managed by the supplier to each supplier in a supply chain that includes suppliers and service providers, by receiving an assessment (certification) of the social value and environmental value of the target assets from an assessment organization and providing the certification results to each supplier.

[0170] The value assessment system 6 according to the seventh embodiment includes a supplier terminal 501 managed by each supplier, a service provider terminal 502 managed by a service provider that provides the target asset to each supplier, and an assessment agency terminal 503 managed by a business (assessment agency) that assesses the social value and environmental value of the target asset. The supplier terminal 501, the service provider terminal 502, and the assessment agency terminal 503 are communicably connected to each other via a wired or wireless communication network such as the Internet, a LAN (Local Area Network), a WAN, or a dedicated line.

[0171] Here, the value assessment system 7 of the seventh embodiment, like the fifth embodiment, stores information on the quality of the target asset (quality standard information) according to the social environmental business index value as assessment information 101.

[0172] Next, a description will be given of the processing carried out in the value assessment system 7. The service provider terminal 502 calculates and outputs the individual index value Yk0 (s701), similarly to s601 in the sixth embodiment.

[0173] As in s602 in the sixth embodiment, the service provider terminal 502 transmits an evaluation request accompanied by information on social value and environmental value (ESG information) for the target asset to the evaluation agency terminal 503 (s702).

[0174] When the evaluation institution terminal 503 receives the evaluation request, it calculates the integrated index value V0 and the social environment business index value B0 of the target asset based on the ESG information accompanying the evaluation request, similar to s103a in the first embodiment (s703).

[0175] Furthermore, the assessment institution terminal 503 generates label information (i.e., authentication result) of the target asset based on the quality standard information, similar to s604 in the sixth embodiment (s704).

[0176] The assessment institution terminal 503 transmits the calculated integrated index value V0, social environment business index value B0, and label information of the target asset to the service provider terminal 502.

[0177] The service provider terminal 502 creates a service menu screen that displays the integrated index value V0, the social environment business index value B0, and the label information received from the assessment institution terminal 503 (s704).

[0178] Each supplier terminal 501 accesses the service provider terminal 502 and displays the service menu screen (s705). This allows each supplier to check the integrated index value and social environment business index value of the target asset. Then, each supplier makes an inquiry to the service provider via the service menu screen regarding the effects of the target asset, etc. This inquiry may be, for example, an inquiry regarding the effects of the target asset upstream (purchasing side) or downstream (wholesale side) of the supplier.

[0179] When the service provider terminal 502 receives the inquiry information from the supplier terminal 501, it accepts input of a response to the inquiry from the service provider (s706). The service provider terminal 502 transmits the input response information to the supplier terminal 501.

[0180] The supplier terminal 501 displays the received response information on the screen. The supplier introduces the target asset in accordance with the content of the response (s707, s708).

[0181] 13 is a diagram showing an example of a service menu screen. This service menu screen 850 has a service information display field 851, a details display field 852 for displaying details of the information displayed in the service information display field 851, a social environmental value display field 853, an assessment organization display field 854, a label display field 855, a code display field 856, and an application field 857 for a supplier to apply for a contract for or make an inquiry about the target asset to a service provider.

[0182] The service information display field 851 displays, for example, an overview of the target asset, the terms of provision, the price, and past usage records.

[0183] The social environment value display field 853 displays parameters that indicate the impact of the target asset on society and the environment, such as the social environment project index value and the value of each individual index.

[0184] The evaluation institution display field 854 displays the name of the evaluation institution, the date of evaluation, a predetermined identification number, and the like.

[0185] The label display field 855 displays label information (i.e., authentication results).

[0186] The code display field 856 displays a two-dimensional code for displaying details of the integrated index value, social environment business index value, and individual index value of the target asset.

[0187] As described above, the value assessment system 8 of this embodiment allows a service provider that provides a target asset to a supply chain to provide a supplier with a quality assessment (certification) of the target asset based on the social and environmental business index value, thereby encouraging the supplier to use the target asset with high social and environmental value.

[0188] Eighth Embodiment FIG. 14 is a diagram illustrating an example of the configuration of a value assessment system 8 according to an eighth embodiment and processing performed by the value assessment system 8. As shown in FIG.

[0189] The value assessment system 8 according to the eighth embodiment is a system used when a financial institution develops a financial product that uses an integrated index, and when a business that wants to obtain a loan from the financial institution purchases the financial product, the financial institution sets the loan amount and interest rate according to the business's integrated index and provides the loan to the business.

[0190] The value assessment system 8 according to the eighth embodiment includes a business operator terminal 551 managed by a business operator, and a financial institution terminal 552 managed by a financial institution that provides financing to the business operator. The business operator terminal 551 and the financial institution terminal 552 are communicatively connected to each other via a wired or wireless communication network such as the Internet, a LAN (Local Area Network), a WAN, or a dedicated line.

[0191] Here, the value assessment system 8 of the eighth embodiment, like the first embodiment, stores the target value of the social environmental business index value, the first message, and the second message, and stores the loan condition information as assessment information 101.

[0192] Next, we will explain the processing performed in the value assessment system 8. First, the financial institution terminal 552 sets weighting coefficients for financial products based on input from the financial institution, and stores them in association with attribute information of the financial products, such as the financial product names (s801).

[0193] 15 is a diagram showing an example of setting weighting coefficients for financial instruments. As shown in the figure, for each financial instrument 1001, the weighting coefficients for each individual indicator 1002 related to that financial instrument are set using identification symbols such as "◎", "◯", or blank.

[0194] For example, a standard weighting coefficient is set for indicators marked with a blank, a larger weighting coefficient is set for indicators marked with a "◯" (indicators that are considered important), and an even larger weighting coefficient is set for indicators marked with a "◎" (indicators that are considered particularly important).

[0195] Examples of indicators marked with "◎" could be "financial products to combat declining birthrates" that emphasize the number of female managers appointed and child-rearing support, or "financial products for water environment conservation" that emphasize the reduction in water resource use, marine environment conservation, or forest environment conservation.

[0196] The method for setting the weighting coefficients described here is merely an example. For example, a means for accepting input of importance from financial institutions may be provided, and the weighting coefficient may be a value obtained by multiplying a standard weighting coefficient by a multiplier based on a predetermined correspondence table of importance and multiplier. Furthermore, importance may be set as a value other than a numerical value, such as 1.5 times for importance "〇" and 2.0 times for importance "◎".

[0197] Furthermore, it is also possible to collect information on the importance of indicators for each purpose from information published on the Internet or elsewhere that describes the importance and purposes of social environmental values, and create a list of weighting coefficients according to the purpose.

[0198] 14, the business operator terminal 551 receives input from the business operator of the financial product to be purchased (hereinafter referred to as the designated product) and ESG information related to that financial product. The ESG information includes the value of each individual indicator Yk0 related to the designated product and information on the business operator's target profit Vp0. The business operator terminal 551 then transmits a purchase request accompanied by the ESG information (s802).

[0199] Upon receiving the purchase request, the financial institution terminal 552 calculates the integrated index value V0 and the social environment business index value B0 of the designated product based on the ESG information attached to the purchase request, similar to s103a in the first embodiment. The financial institution terminal 552 also calculates the loan amount I to the business operator (s803), similar to s103b in the first embodiment. The financial institution terminal 552 also executes the payment for the designated product.

[0200] The financial institution terminal 552 transmits information on the calculated loan amount I to the business operator terminal 551 (s804). The business operator receives a loan based on the received loan amount I from the financial institution and carries out business activities for a predetermined period of time.

[0201] After a predetermined period, the business operator terminal 551 transmits the repayment information (repayment amount J) and activity information (current profit Vp, actual value Yk1 of each individual indicator) entered by the business operator to the financial institution terminal 552 (s805, s806), similar to s105 and s106 in the first embodiment.

[0202] When the financial institution terminal 552 receives the repayment information and activity information, it calculates the integrated index value V1 and the social environment business index value B1 after a predetermined period of time, similar to s107 in the first embodiment (s807).

[0203] Then, the financial institution terminal 552 calculates each difference value in the same manner as in s107 of the first embodiment. The financial institution terminal 552 calculates a new interest rate for the loan to the business based on each calculated difference value (s807).

[0204] The financial institution terminal 552 transmits the interest rate information calculated in s803 to the business operator terminal 551 (s808).

[0205] The business operator makes repayment to the financial institution in accordance with the interest rate indicated in the information received by the business operator terminal 551 .

[0206] If the business operator has not completed repayment of the entire loan amount I to the financial institution (s809: no), the business operator terminal 551 executes the process of s805 after a predetermined period of time.

[0207] As described above, the value assessment system 8 of this embodiment sets financial products with various weighting factors, calculates social and environmental business indicators using the weighting factors, and provides predetermined loans to businesses that purchase these financial products. This helps to improve the social and environmental value of businesses.

[0208] As described above, the value assessment system of each embodiment calculates the value of an integrated index that integrates each individual indicator using a predetermined scale based on the value of each individual indicator related to social value or environmental value and each conversion information (weighting coefficient), calculates the value of a social environment business index based on the calculated value of the integrated index, generates evaluation information for the calculated value of the social environment business index, and outputs the generated evaluation information.

[0209] In other words, the value assessment system of each embodiment calculates the value of a social environment business index calculated from an integrated index that unifies the individual indicators with different scales, and outputs assessment information for the value of this social environment business index.

[0210] In this way, according to the value assessment system of each embodiment, it is possible to provide stakeholders with information that allows them to grasp social value and environmental value from various perspectives in a unified manner and utilize it in their business.

[0211] Furthermore, the value assessment systems 1, 2, 6, and 8 of the first, second, sixth, and eighth embodiments output information (interest rates, advice messages, etc.) according to the difference between the target value of the social environment business index and the value of the social environment business index.

[0212] In this way, by outputting evaluation information according to the deviation of the social and environmental business index from the target value, it is possible to encourage users to engage in business activities that improve social value and environmental value.

[0213] Furthermore, the value assessment systems 1, 2, 6, and 8 of the first, second, sixth, and eighth embodiments output advice messages according to the individual index values ​​and advice messages according to the values ​​of the social environment business indexes.

[0214] This allows users to receive messages (advice, etc.) from the individual perspective of social value and environmental value, as well as messages (advice, etc.) from a comprehensive perspective based on the values ​​of social and environmental business indicators, enabling them to carry out business activities that improve social value and environmental value as a whole.

[0215] In addition, the value assessment systems 1, 2, and 8 of the first, second, and eighth embodiments generate information on the loan details for the loan applicant based on the value of the social environmental business index calculated for the loan applicant and the loan condition information, and output it to the output device 15.

[0216] This allows appropriate financing to be provided to users depending on the benefits or risks present in terms of social and environmental value.

[0217] In addition, the value assessment system 3 of the third embodiment calculates the value of the social environmental business index for each of the multiple suppliers that make up the supply chain and the social environmental business index of the supply chain entity, and outputs the calculated value of each social environmental business index.

[0218] This makes it possible to grasp the social value and environmental value of the entire supply chain and each of the suppliers that make up the supply chain, thereby improving the social value and environmental value of the supply chain.

[0219] Furthermore, the value assessment system 4 of the fourth embodiment outputs information regarding the approval of a given business to the output device 15 based on the value of the social environment business index calculated for that business and the review information.

[0220] This will encourage entities engaged in business activities that bring social and environmental value to carry out licensed businesses.

[0221] In addition, the value assessment systems 5, 6, and 7 of the fifth, sixth, and seventh embodiments output quality information (rank, certification, etc.) regarding the target product based on the value of the social environment business index calculated for the target product (service) and quality standard information.

[0222] This makes it easy to understand the social value and environmental value of the target product.

[0223] Furthermore, the value assessment system 5 of the fifth embodiment displays on the feedback display screen 750 information relating to the evaluation of the target product received from the consumer terminal 401 and information indicating the relationship between the output quality.

[0224] This will enable us to carry out business that meets consumer needs while improving social and environmental value.

[0225] In addition, the value assessment system 8 of the eighth embodiment accepts input of a weighting coefficient, stores the input conversion information in association with information on the financial product, and when it receives a request to purchase a financial product from the business terminal 551, generates and outputs the loan details for the loan applicant as evaluation information based on the value of the social environment business index calculated for the financial product and the loan condition information.

[0226] In this way, by setting financial products in correspondence with weighting coefficients and determining the loan content based on the value of the social and environmental business index calculated based on the weighting coefficients, financial products that promote the improvement of social value and environmental value can be developed and used in lending operations.

[0227] The present invention is not limited to the above-described embodiments, and can be implemented using any components within the scope of the present invention. The above-described embodiments and modifications are merely examples, and the present invention is not limited to these contents as long as the characteristics of the invention are not impaired. Furthermore, although various embodiments and modifications have been described above, the present invention is not limited to these contents. Other aspects conceivable within the scope of the technical idea of ​​the present invention are also included within the scope of the present invention.

[0228] For example, part of the hardware provided in each device of this embodiment may be provided in another device.

[0229] Furthermore, each program of each device may be provided in another device, a program may consist of multiple programs, or multiple programs may be integrated into one program.

[0230] 1 Value assessment system, 101 Assessment information, 102 Performance index information, 103 Weighting coefficient information, 107 Integrated index calculation unit, 108 Integrated index assessment unit

Claims

1. A value assessment system comprising: a storage device that stores specified evaluation information; and a control device that acquires the values ​​of a plurality of indicators that represent social value or environmental value and have different scales, acquires conversion information for converting each of the plurality of indicator values ​​into a specified scale, calculates a new indicator value that integrates the plurality of indicators using the specified scale based on the value of each of the indicators and the conversion information, calculates values ​​of business indicators related to social value and environmental value based on the calculated new indicator value, generates evaluation information for the calculated business indicator values ​​based on the evaluation information, and outputs the generated evaluation information to an output device.

2. A value assessment system as described in claim 1, wherein the storage device stores a target value of the business indicator as the evaluation information, and the control device outputs information corresponding to the difference between the target value of the business indicator and the calculated value of the business indicator to an output device as the evaluation information.

3. The value evaluation system of claim 1, wherein the storage device stores a first message corresponding to each of the values ​​of the multiple indicators and a second message corresponding to the value of the business indicator as the evaluation information, and the control device outputs to an output device a first message corresponding to each of the multiple acquired indicator values ​​and a second message corresponding to the value of the calculated business indicator.

4. The value assessment system of claim 1, wherein the storage device stores information representing the loan details corresponding to the value of the business index as the evaluation information, and the control device generates the loan details for the loan applicant as the evaluation information based on the value of the business index calculated for the loan applicant and the information representing the loan details, and outputs the generated evaluation information to an output device.

5. The value assessment system of claim 1, wherein the control device acquires values ​​of the multiple types of indicators for each of multiple entities constituting a specified group, calculates the value of the business indicator for each of the multiple entities and the value of the business indicator for the group, outputs the value of the business indicator for each of the multiple entities and the value of the business indicator for the group to an output device, generates evaluation information for the calculated value of the group's business indicator based on the evaluation information, and outputs the generated evaluation information to the output device.

6. A value assessment system as described in claim 1, wherein the storage device stores information indicating approval criteria for a business according to the value of the business index as the evaluation information, and the control device outputs information regarding approval of the specified business to an output device as the evaluation information based on the business index calculated for the specified business and the information indicating the approval criteria.

7. A value assessment system as described in claim 1, wherein the storage device stores information indicating the quality of a product or service corresponding to the value of the business index as the evaluation information, and the control device outputs quality information regarding the specified product or service to an output device as the evaluation information based on the value of the business index calculated for the specified product or service and the information indicating the quality.

8. The value assessment system according to claim 7, wherein the control device receives information relating to an evaluation of the specified product or service from a specified terminal, and outputs information indicating a relationship between the received evaluation and the calculated business indicator or the output quality.

9. A value assessment system as described in claim 4, wherein the control device accepts input of the conversion information via an input device, stores the input conversion information in the memory device in association with information on a financial product, and when a purchase request for the financial product is received from a terminal related to the loan seeker, generates loan details for the loan seeker as the evaluation information based on the value of the business index calculated for the financial product and the information representing the loan details, and outputs the generated evaluation information to an output device.

10. A value evaluation method in which an information processing device having a control device and a storage device that stores specified evaluation information, acquires values ​​of multiple indicators that represent social value or environmental value and have different scales, acquires conversion information for converting each of the multiple indicator values ​​into the specified scale, calculates a new indicator value that integrates the multiple indicators using the specified scale based on the values ​​of each of the indicators and the conversion information, calculates values ​​of business indicators related to social value and environmental value based on the calculated new indicator values, generates evaluation information for the calculated business indicator values ​​based on the evaluation information, and outputs the generated evaluation information to an output device.

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