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JP-7856542-B2 - Financial instrument management system and financial instrument management method

JP7856542B2JP 7856542 B2JP7856542 B2JP 7856542B2JP-7856542-B2

Inventors

  • 湯浅 直弘

Assignees

  • 株式会社日立製作所

Dates

Publication Date
20260511
Application Date
20221007

Claims (8)

  1. A financial product management system, It has a processor and memory, The aforementioned memory is Supply chain information including a task ID that identifies the tasks performed by the user included in the supply chain, the equipment used for the tasks, the number of orders indicating the required production quantity for the tasks, the amount of inventory held by the user of finished products that can be manufactured by the tasks, the progress rate of the tasks against the number of orders, and the estimated environmental load caused by the tasks. Financial product ID that identifies a financial product for which a user included in the supply chain is the debtor, financial product information indicating the interest rate of the financial product when the target value of the environmental impact of the user 's business is achieved and when it is not , the target value, and the loan amount of the financial product , The system maintains the aforementioned business, a formula for calculating the economic value generated by the performance of the aforementioned business , information indicating the definition of the independent variable in the formula, and economic rationality information indicating the values of the parameters in the formula . The economic value calculated by the aforementioned formula represents the profit obtained by eliminating the need to perform the work related to a portion of the orders, as a result of allocating inventory of the finished products to a portion of the orders. The independent variable indicates the amount of finished goods inventory allocated to a portion of the number of orders, The aforementioned processor, For each business ID indicated by the aforementioned supply chain information, Based on the number of orders and the progress rate for the said business, the remaining required production quantity for the said business is calculated. By referring to the supply chain information and the financial product information, the cost is calculated based on the product of the assumed environmental load of the business and ( 1 - the progress rate of the business) divided by the target value corresponding to the financial product ID of the financial product for which the user performing the business is the debtor, and the interest rate and loan amount corresponding to the financial product ID, in which the cost that would increase if the interest rate at which the target value is not met is applied compared to the cost that would increase if the interest rate at which the target value is achieved is applied . Based on the aforementioned costs and the required production quantity, the cost unit price, which is the cost per product in the said business, is calculated. Based on the required production quantity and inventory level for the relevant business, the value to be substituted for the independent variable is determined. Based on the determined value, the parameter value, and the calculation formula , the economic value corresponding to the work is calculated . If, after comparing the cost unit price and the economic value, it is determined that the economic value is higher , the equipment used for the said business is designated as equipment that can be controlled. A financial product management system that generates control messages for the equipment determined above.
  2. A financial product management system according to claim 1, The memory holds equipment control information indicating control commands for each piece of equipment, The aforementioned supply chain information further indicates the operating hours of the equipment necessary to carry out the aforementioned operations, The aforementioned processor, By referring to the aforementioned supply chain information, the operating time of the determined equipment and the progress rate are obtained. Based on the acquired operating time and the progress rate, the operating time of the equipment required to manufacture the required number of units is calculated. The calculated operating time is determined to be the downtime for stopping the equipment. A financial product management system that includes the aforementioned downtime and the determined equipment control command indicated by the equipment control information in the control message.
  3. A financial product management system according to claim 1, The aforementioned supply chain information further shows a hierarchical structure indicating the order-receiving relationships between user operations included in the supply chain, The aforementioned processor, The value obtained by multiplying the assumed environmental load indicated by the supply chain information for the operations corresponding to the equipment that has been determined to be subject to control by the value obtained by subtracting the progress rate indicated by the supply chain information for the operations from 1 is calculated as the flexible limit for the environmental load related to the operations. A financial product management system that decides to allocate the calculated available credit limit to users who perform tasks included in the hierarchical structure, including the task in question.
  4. A financial instrument management system according to claim 3, The processor generates data for displaying a screen showing the users included in the supply chain, the relationships, and the available credit limits.
  5. A method of managing financial products using a financial product management system, The aforementioned financial product management system has a processor and memory, The aforementioned memory is Supply chain information including a task ID that identifies the tasks performed by the user included in the supply chain, the equipment used for the tasks, the number of orders indicating the required production quantity for the tasks, the amount of inventory held by the user of finished products that can be manufactured by the tasks, the progress rate of the tasks against the number of orders, and the estimated environmental load caused by the tasks. Financial product ID that identifies a financial product for which a user included in the supply chain is the debtor, financial product information indicating the interest rate of the financial product when the target value of the environmental impact of the user's business is achieved and when it is not, the target value, and the loan amount of the financial product, The system maintains the aforementioned business, a formula for calculating the economic value generated by the performance of the aforementioned business, information indicating the definition of the independent variable in the formula, and economic rationality information indicating the values of the parameters in the formula. The economic value calculated by the aforementioned formula represents the profit obtained by eliminating the need to perform the work related to a portion of the orders, as a result of allocating inventory of the finished products to a portion of the orders. The aforementioned independent variable indicates the amount of inventory of the finished products allocated to a portion of the number of orders, The aforementioned financial instrument management method is: For each business ID indicated by the aforementioned supply chain information, The processor calculates the remaining required production quantity for the said business based on the number of orders and the progress rate for the said business, The processor, by referring to the supply chain information and the financial product information, calculates the cost increase when the interest rate at which the target value is not met is applied compared to when the interest rate at which the target value is achieved is applied, based on the product of the assumed environmental load of the operation and (1 - the progress rate of the operation) divided by the target value corresponding to the financial product ID of the financial product for which the user performing the operation is the debtor, the interest rate and the loan amount corresponding to the financial product ID, The processor calculates the cost unit price, which is the cost per product in the said business, based on the said cost and the said required number of products to be manufactured. The processor determines the value to be substituted for the independent variable based on the required production quantity and inventory quantity for the said business. The processor calculates the economic value corresponding to the task based on the determined value, the parameter value, and the calculation formula. If the processor compares the cost unit price with the economic value and determines that the economic value is higher, it determines that the equipment used for the business can be controlled. A financial product management method comprising the processor generating control messages for the determined equipment.
  6. A financial product management method according to claim 5, The memory holds equipment control information indicating control commands for each piece of equipment, The aforementioned supply chain information further indicates the operating hours of the equipment necessary to carry out the aforementioned operations, The aforementioned financial instrument management method is: The processor, by referring to the supply chain information, obtains the operating time of the determined equipment and the progress rate. The processor calculates the operating time of the equipment necessary to manufacture the required number of units based on the acquired operating time and the progress rate. The processor determines the calculated operating time as the downtime for stopping the equipment. A financial product management method wherein the processor includes the downtime and the determined equipment control command indicated by the equipment control information in the control message.
  7. A financial product management method according to claim 5, The aforementioned supply chain information further shows a hierarchical structure indicating the order-receiving relationships between user operations included in the supply chain, The aforementioned financial instrument management method is: The processor calculates a flexible limit for the environmental load related to the business by multiplying the assumed environmental load indicated by the supply chain information for the business corresponding to the equipment that has been determined to be subject to control by the value obtained by subtracting the progress rate indicated by the supply chain information for the business from 1, and then calculating this value. A financial product management method comprising the processor deciding to allocate the calculated available credit limit to users who perform the tasks included in the hierarchical structure, which includes the task in question.
  8. A financial product management method according to claim 7, A financial product management method comprising a processor that generates data for displaying a screen showing users included in the supply chain, the relationships, and the available credit limits.

Description

This invention relates to a financial product management system and a financial product management method. In order to realize a sustainable society, and in response to the social trend towards decarbonization, manufacturing and logistics industries in supply chains are also scrambling to implement measures to reduce their environmental impact. For example, measures such as replacing and operating equipment with low-energy-consumption models, procuring fuels with low CO2 emissions, generating electricity from renewable energy sources, and using electric vehicles for delivery are being taken. In response to these trends, financial institutions are offering loans with interest rates linked to environmental impact targets (such as CO2 emissions) to support businesses that are actively promoting the introduction of necessary equipment and implementation of operations for these measures. These loans, for example, include ESG (Environment Social Government) bonds and sustainable-linked loans. Furthermore, while some companies operate based on economic efficiency, they are increasingly expected to prioritize social significance over temporary profits, such as managing ongoing cash flow and maintaining trust with business partners. Therefore, some companies emphasize social contribution, and after achieving a certain level of sales through production activities, they may prioritize future business growth investments, stable business operations, and achieving their set environmental impact targets. As background technology for this invention, there is Japanese Patent Publication No. 2022-14050 (Patent Document 1). This publication describes a demand response control system comprising a control device that performs demand adjustment by instructing consumers via a communication network to adjust their pre-set power consumption in response to a demand control request notified from a higher-level device via a communication network. The control device includes an information presentation unit configured to calculate an environmental value assessment amount for each consumer based on the environmental value obtained through demand adjustment at the consumer, and to present this assessment to the consumer via the communication network. (See abstract). Japanese Patent Publication No. 2022-14050 This is a block diagram showing an example configuration of a supply chain information-linked financial product management system in Example 1.This figure shows an example of the data structure of financial product information in Example 1.This figure shows an example of the data structure of financial product information in Example 1.This figure shows an example of the data structure of supply chain information in Example 1.This figure shows an example of the data structure of supply chain information in Example 1.This figure shows an example of the data structure of supply chain information in Example 1.This figure shows an example of the data structure of economic rationality information in Example 1.This figure shows an example of the data structure of economic rationality information in Example 1.This figure shows an example of the data structure of equipment control information in Example 1.This is a sequence diagram showing an example of the entire process in Example 1.This is a sequence diagram showing an example of the entire process in Example 1.This flowchart shows an example of the valuation and economic rationality calculation process in Example 1.This is a flowchart showing an example of the flexibility process in Example 1.This flowchart shows an example of equipment control processing in Example 1.This figure shows an example of the screen configuration of the flexibility processing screen in Example 1. The embodiments of the present invention will be described in detail below with reference to the drawings. In this embodiment, the same components are generally denoted by the same reference numerals, and repeated descriptions are omitted. It should be noted that this embodiment is merely one example for realizing the present invention and does not limit the technical scope of the invention. In this embodiment, a manufacturing company, acting as a company in the supply chain, is responsible for parts processing. This example illustrates a scenario where the manufacturing company sets environmental impact targets, and a financial product with interest rates linked to these targets is used as a loan. For example, the process may proceed in the following order: financial contract, production and collection, packaging, and delivery. This embodiment is not limited to manufacturing operations; it is applicable to capital investment, the use of buildings and factory equipment, delivery services, energy procurement, and the equipment that operates them in corporate management. Figure 1 is a block diagram showing an example configuration of a supply chain information-linked financial product management system 1. The supply chai