JP2001222623A - Method for subleasing and financial commercialization of cashable object and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To form a market wherein cashable objects (real estate, movable property, service, intangible property right, etc.), which are unused because of a low demand, etc., are efficiently used. SOLUTION: This method consists of a stage A for raising and applying for information on real estate (object) of subleasing, a stage B for opening on the Internet a window for raising and applying for the information on the subleased real estate, a stage H for conferring the operation state of the subleasing of leased real estate and the commercialization of bonds, credit, etc. a stage I for raising the conferred object according to the operation state of the subleasing and financial articles, a stage J for opening a market for the subleased real estate and financial articles on the Internet, and a stage L for applying the rent of the real estate and selling and buying the financial articles on the market.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention relates to real estate
The present invention relates to a sublease of a cashable object in which various objects such as movable property, services, intangible property rights and the like are subleased and managed, and sales of financial products based on investment income from the sublease, a method of commercializing financial products and a recording medium.

[0002]

2. Description of the Related Art Currently, real estate transactions are generally carried out by buying and selling a target property or renting a target property. In other words, at present, the owner of the target property directly earns revenue from real estate.

[0003] By the way, in the case where the purchase and sale of the target property and the rental of the target property decrease due to the sluggish real estate demand,
The property is idle and the owners can no longer profit from real estate.

[0004] This can occur not only in real estate, but also in transactions of precious metals, foods, intangible property rights such as patents and copyrights, and various service businesses.

[0005]

The problem to be solved is that if the object is idle due to sluggish demand or the like, the direct sale or the direct rental is the profit from the object. The point is that you can not get.

[0006] The present invention has been made in view of such circumstances, and subleases (resales) a cashable object, and issues financial products based on the sublease revenue, thereby providing an object. Even if demand for a property is sluggish, long-term and stable profits can be secured for the owner of the object such as a real estate owner.

[0007]

SUMMARY OF THE INVENTION The present invention provides a sublease transaction market in which various real estate, real estate, services, intangible property rights and the like are rented out and subleased using the Internet, and the operating income from the sublease. A method of subleasing and converting financial products into a financial product that provides a trading market for financial products that sell financial products such as securities and bonds based on the above-mentioned method. A second step of establishing a window for recruiting and applying information on the object on the Internet, a third step of applying in response to the recruitment of the object, and A fourth step of conducting the assessment, a fifth step of reporting the assessment result to the applicant based on the assessment of the object, and discussing the terms of the lease agreement, and a sixth step of concluding the lease agreement Process and on The seventh step of guaranteeing in the event that the borrower of the object has defaulted or is likely to default, such as when the borrower of the object has failed financially, sub-lease of the borrowed object and finance of securities, bonds, etc. An eighth step of discussing the operation form of commercialization, a ninth step of subscribing the sub-lease of the subject matter and the recruitment in accordance with the operational form of the financial product, and an object sub-leased on the Internet. A tenth process for opening a market for financial products;
A sub-lease and a financial product of a cash object, comprising: an eleventh step of operating and managing the market; and a twelfth step of applying for leasing of the object and buying and selling a financial product on the market. Method. Claim 1
The second step includes a thirteenth step of soliciting and applying for the object, and a fourteenth step of soliciting and applying for financial productization of the object. .
The third step of claim 1 is characterized by including a fifteenth step in which the owner of the object or a general contractor handling the object applies. The fourth step of claim 1 includes a sixteenth step of conducting a survey based on the information on the application of the object, and a seventeenth step of conducting an evaluation based on the survey of the object. And an eighteenth step of performing a rating based on the evaluation of the object. The eighth step of claim 1 includes a nineteenth step of discussing the rental operation of the object,
And a twentieth step of discussing the financial productization of the object. In a ninth step of the present invention, the second step of recruiting a recruitment company for the object is performed.
Step 1 and 22nd to recruit sales companies for the above financial products
And the step of (1) is included. In the tenth step of the first aspect, a rental offer advertisement for the object,
It is characterized by including a twenty-third step of making an inquiry, an application, etc., and a twenty-fourth step of making an advertisement, inquiry, purchase, etc. of the financial product. Further, the first of the first aspect
In the first step, the management of the object, the management of the loan contract of the object, the management of money related to the leasing and subleasing of the object and the sale of financial products, and the operation management of the financial products
Is included. In the twelfth step of the first aspect, an end user of the object or a general contractor handling the object applies or purchases the second object.
It is characterized by including six steps. The fifth step, the sixth step, and the seventh step of claim 1 are respectively performed by an existing or newly established organization as appropriate. Further, the present invention is a recording medium storing a program indicating a procedure relating to the first step to the twenty-sixth step. In the sublease of the cashable object and the financial commercialization method and recording medium according to the present invention,
Sublease realizable items such as real estate and sell financial products based on investment income from subleases.

[0008]

Embodiments of the present invention will be described below.

FIG. 1 is a flowchart for explaining an outline of a real estate which is an embodiment of a sublease of a realizable object and a financial product and a recording medium according to the present invention, and FIGS. 4 to 14 are diagrams showing an evaluation table for evaluating the property in FIG. 1, and FIG. 15 is a method for rating the property. FIG.

[0010] In this embodiment, real estate is described as an object, but the object is not limited to real estate. Service industry,
Any intellectual property rights such as patent rights, copyrights, and the like may be used as long as they have cash value. Further, in this embodiment, only the case where transactions are performed between the same type of objects, that is, between real estates, is described.However, transactions between different types of objects such as between real estate and movable property, between tangible property and intangible property, etc. It goes without saying that it can be done.

In the figures described below, a property means a house such as a detached house, an apartment, a condominium, a land, a store building, and the like.

In the present embodiment, in order to sub-lease real estate with cash, and sell financial products based on investment income from the sub-lease, it is possible to carry out the procedure according to the flow of FIG.

In this system, a step of recruiting and applying for information on a subleased real estate (object) (step A), and a step of opening a window for recruiting and applying for sublease real estate on the Internet (step B) ), The step of applying in response to the recruitment of real estate to be subleased (Step C), the step of assessing the applied real estate (Step D), and the assessment result to the applicant who has applied based on the assessment of the real estate. And the process of negotiating the terms of the loan agreement (Step E), the step of concluding the loan agreement (Step F), and the default or non-performance of the loan agreement, such as when the real estate borrower has failed financially. A step of guaranteeing when there is a possibility of a risk (Step G) and a step of consulting the operation form of sub-lease of the borrowed real estate and financial products such as securities and bonds (Step H). A step of recruiting in accordance with the sublease of the subscribed object and the operation mode of the financial product (step I), a step of opening a market for real estate and financial products to be subleased on the Internet (step J), and operating the market (Step K) and a step of applying for real estate rental and buying and selling financial products on the market (step L).

The system configured as described above is executed by the sublease system business corporation 10 as a whole. That is, the sublease system business corporation 10 is involved in all the processes from step A to step J.

First, in the step of recruiting and applying for real estate information to be subleased (step A), the sublease system business corporation 10 recruits and receives an application for the target real estate.

Next, in the step of opening a window for recruiting and applying for information on real estate to be subleased on the Internet (step B), the sublease system business corporation 10
Performs recruitment and application for target property (step B-1)
Alternatively, a window (homepage) for recruiting and applying for financial product applicants is established (step B-2).

Next, in the step of applying in response to the recruitment of real estate to be subleased (step C), a general business dealing with real estate such as a real estate owner, a real estate broker, a financing company, etc., looking at the above home page Recruitment of applicants for sublease of the subject real estate, application for applicants for sublease,
Recruit applicants for financial commercialization and apply for financial commercialization applicants (step C-1). The property information collected by the application is stored on a recording medium such as a magnetic disk, MO, DVD, or the like.

Next, in the step of evaluating the target real estate (step D), a survey is performed based on the information of the applied real estate (step D-1), and then an evaluation is performed based on the survey of the target real estate. (Step D-2) Further, the rating is performed based on the evaluation of the target real estate (Step D-
3) Finally, the target real estate is assessed. The survey, evaluation and rating of the target real estate follow, for example, the classification tables shown in FIG. 2 and FIG. 2 and 3 show classification tables of land and buildings with land as an example of real estate. This step is performed by, for example, independently developed application software (support device) 11.

The classification tables shown in FIG. 2 and FIG.
Classification evaluation 21, land 22, evaluation 23, building with land 24,
It is classified into 25 for housing, 26 for evaluation, 27 for business, and 28 for evaluation.

Here, classification evaluation 21, evaluation 22, evaluation 2
6. In the column of “Evaluation 28”, an evaluation based on a survey of the property is entered. For example, in the convenience described later, a distance or the like is entered. Such a classification table may be printed or displayed on the screen of a personal computer. The entries in the columns for the evaluations 21, 22, 26, and 28 may be handwritten or input from a keyboard.

The classification 20 is classified into, for example, five items of convenience, environment, features, performance, and future. Convenience evaluates the adjacency of the nearest station and the like, and each adjacency is entered in the columns of evaluations 23, 26, and 28.

The environment is for evaluating environmental properties such as sunshine, and the environmental properties are evaluated in the same manner as described above.
Fill in columns 26 and 28. The features are used to evaluate situations such as rights relationships, and each situation is entered in the columns of evaluations 23, 26, and 28 in the same manner as described above.

The performance is to evaluate the functionality such as width, and the respective functions are evaluated in the same manner as described above.
Fill in columns 26 and 28. The future potential is to evaluate environmental changes and the like around the real estate property, and each environmental change and the like is entered in the columns of evaluations 23, 26, and 28 in the same manner as described above.

After completing the evaluations 23, 26, and 28, the comprehensive evaluation is entered in the classification evaluation 21 column.

The results of the above investigation are input to a storage device (not shown). Then, the application software (support device) 10 performs an evaluation unique to the property (step C). First, in the case of a property-specific evaluation, for example, the evaluation table shown in FIGS. 4 and 5 is used. Here, FIG. 4 and FIG.
The land in the classification table of FIG. 2 and FIG. 3 is shown.

The condition 30 shown in FIG. 4 corresponds to the classification 20 in FIG. 2 and is divided into five conditions of convenience, environment, features, performance, and future. Item 31 shown in FIG. 2 and 3 are adjacent, environmentally friendly,
It responds to situations such as rights relationships, functionality such as breadth, environmental changes around the property, and the like.

The application software (supporting device) 10 of FIG. 1, for example, puts the points in the column of points 31a shown in FIG. 4 based on the values entered in the column of evaluation 23 in FIG. Here, for convenience of explanation, all are set to 1.00. Further, such a score is based on a reference value prepared in advance. That is, the reference value here is
For example, the range of the distance in the above-described convenience is quantified, and values in increments of 0.05 to 0.1 are prepared. Further, the points included in the column of the points 31a can be, for example, in the range of 0.2 to 1.5.

Further, the score in the column of the score 30a is 3 points.
The value in the column of 1a is multiplied for each convenience, environment, feature, performance, and future.

As described above, when the points are included in the column of the points 30a, the land evaluation price is calculated as shown in FIG. Here, for example, 1,000,000 yen / m
² , If the price is 3,306,000 yen / tsubo, the published price is ×
From 125%, it becomes 1,250 thousand yen / m ² and 4,132 / tsubo.

The price evaluation is 1,250 thousand yen / m ² and 4,132,000 yen / tsubo, which are the value obtained by multiplying the score and the posted price in the column of the point 30 a which is the comprehensive evaluation.

The above is the calculation method of the evaluation in the case of land. In the case of a building with land (for dwelling), the evaluation is calculated from an evaluation table as shown in FIGS.

That is, in the case of a building with a land (a dwelling), conditions are different from those of the land shown in FIGS.
For example, as typical examples, the right form, the age, the facilities, and the like are taken into account.

Therefore, in the price evaluation shown in FIG.
Comprehensive evaluation based on land and building evaluation.

In the case of a building with land (for business use), it can be calculated from an evaluation table as shown in FIGS. That is,
In the case of a building with land (for business use),
Rental contents are taken into account. Therefore, in the price evaluation shown in FIG. 9, the ideal property price in consideration of the profit rate × the profit is calculated.

In the case of a condominium (for dwelling), it is calculated by an evaluation table as shown in FIGS. That is, in the case of a condominium (for residence), the age, management state, and the like are taken into account as typical ones. Therefore, FIG.
In the price evaluation shown in (1), the total property evaluation total is calculated in consideration of the property evaluation × the occupied area.

In the case of a condominium (for business), it is calculated by an evaluation table as shown in FIGS. That is, in the case of an apartment (for business use), the rental management status and the like are typically taken into account. Therefore, in the price evaluation, the ideal property price taking into account the rental management situation and the like is calculated.

As described above, land, building with land (for dwelling), building with land (for business), condominium (for dwelling),
After the evaluation of each of the condominiums (for business) is obtained, as shown in FIG. 15, ratings are assigned for convenience, environment, features, performance, and future (step D). FIG.
In 5, for example, a rating of 5 levels of 1 to 5 is taken as an example, but a rating of 10 levels of 1 to 10 can also be performed.

Next, the assessment result is reported to the applicant who has applied based on the assessment of the real estate, and the terms and conditions of the borrowing agreement are discussed (step E). And discuss the terms of the loan agreement. In the case of this embodiment, the object leasing company 12 reports and discusses.

Next, in the step of concluding a loan contract (step F), a contract is concluded by an existing or newly established organization as appropriate. In the case of this embodiment, the target property leasing company 1
2 signs the contract.

Next, in the step (Step G) for guaranteeing in the event that the subject property borrowing company 12 has defaulted or has a risk of defaulting, such as when the subject property borrowing company 12 has failed financially, such as bankruptcy or bankruptcy (step G), an existing or The contract is guaranteed by a new agency. In the case of the present embodiment, the borrowed contract guarantee organization 13 makes a guarantee.

Next, the process shifts to a step (step H) for discussing the sublease (resale) of the borrowed target real estate and the operation form of financial productization. In this step, how to rent the target real estate (Step H-1),
Discussion is made on how to commercialize financial products (step H-2). This step will be negotiated by existing or new institutions as appropriate. In the case of the present embodiment, the financial product development institution 14 consults.

As an example of a sublease, for example, if the target property leasing company 12 rents the target real estate for 1 million yen / month, the owner of the target real estate can obtain a profit of 1 million yen / month. .

Further, as an example of financial productization, a dividend equivalent is subtracted from the total revenue for business revenue generated within a certain period based on the business revenue from the sublease (resale) of the target property leasing company 12. In some cases, we develop products that use the proceeds for dividends and redemptions. For example, a property borrowed from the owner for 1 million yen / month is 130
If you sublease (resell) at 10,000 yen / month and the expenses are 100,000 yen / month, your business profit will be 200,000 yen / month. Based on this business profit of 200,000 yen / month, you will operate for 6 months (resell )
That is 200,000 yen / month x 6 months = 1.2 million yen. After deducting 200,000 yen from this 1.2 million yen as a dividend equivalent, commercializing 1 million yen and recruiting and selling 10 units as 100,000 yen / 1 unit financial products, the principal is 100,000 yen / 1 unit. About 200,000 yen worth 200,000 yen equivalent to the dividend
10 units = 20,000 yen / 1 unit (annual interest 4%) and dividends will be paid.

In the above example, the fixed period is set to six months, but it is also possible to settle the payment per month. For example, it is also possible to divide the 200,000 yen / month corresponding to the dividend into 10 units and to pay out every month as 20,000 yen / month.

As another example of the financial product, there is a case where the owner of the real estate to be subleased commercializes in the same manner as the owner. For example, in the case where the owner of a property rented by the subject property renting company 12 for 1 million yen / month from the owner operates the owner himself, if the expense of the owner is 100,000 yen, the business profit of the owner is 900,000 yen / month, this 9
Operating for 6 months based on the business profit of 100,000 yen / month (lending to the target property leasing company 12), 900,000 yen / month x 6 months =
Business profit of 5.4 million yen. 14 out of this 5.4 million yen
After deducting ¥ 100,000 as the dividend, the remaining 4,000,000 yen will be commercialized and 40 units will be recruited and sold as 100,000 yen / 1 unit. If the principal is 100,000 yen / 1 unit, the dividend will be equivalent. The dividend of 1.4 million yen will be paid as 140/40 units = 35,000 yen (70% annual interest).

As another example of commercialization of financial products, there is a case in which a target real estate is recruited in advance as a commercialization plan property for recruiting and selling financial products as in the above example.
In this case, the only difference is that in recruiting the target real estate after planning a business plan in advance, it is different from the example of borrowing the target real estate and converting it into a financial product.

As another example of the commercialization of financial products, there is a case where a profit right of the sublease business is held by a specific corporation or the like and is recruited by shares or bonds of the corporation. For example,
In the same example as above, if the property rented at 100 yen / month is subleased (resold) at 1.3 million yen / month and the cost is 100,000 yen / month, the business profit will be 200,000 yen / month. A specific corporation owns a beneficiary right to obtain a business profit of 10,000 yen. If this system is operated (resold) for 6 months based on the beneficiary right of 200,000 yen / month, the business profit is 200,000 yen / month × 6 months = 1.2 million yen. With respect to this 1.2 million yen, 200,000 yen is deducted as a dividend equivalent, and 1 million yen is commercialized and 100,000 yen / 1
If you recruit and sell 10 units of financial products, the principal is 1
For 200,000 yen / unit, 200,000 yen equivalent to the dividend will be paid as 200,000 yen / 10 units = 20,000 yen / 1 unit (annual interest 4%).

Next, when the operation form of the target real estate is determined by the consultation of the operation form, the process then proceeds to the step of recruiting according to the sublease of the subject matter and the operation form of the financial product (step I). Transition. In this step, a step of recruiting a recruitment company for the subleased target real estate (step I-1) and a step of recruiting a financial product sales company (step I-2) are performed.

Next, a step (Step J) of opening a market for the subject real estate or financial products to be subleased on the Internet is performed. In this process, there is a process (step J-1) in which a rental offer advertisement, a rental application inquiry, a rental application, etc. are performed for the subleased target real estate.
A step (step J-2) is performed in which sales advertisement, purchase inquiry, application for purchase, and the like of a financial product are performed.

Next, the process proceeds to the step of operating and managing the market (step K). In this process, management of the target real estate, management of the rental contract of the target real estate, management of money related to leasing and subleasing of the target real estate, sales of financial products, etc., and operation management of financial products are performed (step K-).
1).

Next, a step (step L) of recruiting and applying for a sublease of the target real estate and buying and selling a financial product on the market is performed.

Here, the users are corporations and individuals. The user first enrolls and registers before use. This enrollment / registration can be done by accessing the Internet and inputting the specified items in accordance with the instructions on the enrollment / registration screen on the homepage, or by filling in the specified items on the specified application form and mailing it. (Step L-1).

After completing the enrollment and registration, an ID for authentication
A grant will be made. When issuing the ID, data or a card can be used.

After the ID has been issued, participation in the market becomes possible.

The application is made until the rental contracts for all the target real estate are completed and the financial products are sold out.

As described above, in the present embodiment, the step of recruiting and applying for information on subleased real estate (object), the step of opening a window for recruiting and applying for information on subleased real estate on the Internet. , The process of applying in response to the recruitment of subleased real estate, the process of assessing the applied real estate, and reporting the assessment result to the applicant based on the real estate assessment and discussing the terms of the loan agreement A process to conclude a loan agreement, a process to guarantee the borrower in the event that the borrower of the real estate has failed or is likely to default, such as when the borrower of the real estate has failed financially, and a sublease of the borrowed real estate. And the process of discussing the operational form of financial products such as securities and bonds, the process of subscribing the subject and the recruitment in accordance with the operational form of the financial products discussed, The process of opening a market for real estate and financial products to be managed, the process of operating and managing the market, and the process of applying for rental of real estate and buying and selling financial products on the market ensure efficient operation of the target real estate. As a result, idleness can be prevented, and the owner can secure long-term and stable profits from the target real estate.

In the above-described embodiment, real estate is described as a realizable object. However, the present invention is not limited to this, and various types of real estate, various services, intangible property rights, and the like are subleased. That is, it may be a financial product, and all applicable as long as it is cashable.

[0058]

As described above, according to the method and the recording medium for subleasing a cash object according to the present invention, the financial object is subleased based on the revenue of the sublease. Issuance, the efficient operation of the object can be achieved even when the demand for the object is sluggish, so that the object can be prevented from being idle and the owner of the object can be And stable profits can be secured.

[Brief description of the drawings]

FIG. 1 is a flowchart for explaining an outline of a real estate which is one embodiment of a sublease and a financial product conversion method of a realizable object according to the present invention and a recording medium.

FIG. 2 is a diagram showing a classification table used when evaluating and rating the property shown in FIG. 1;

FIG. 3 is a diagram showing a classification table used when evaluating and rating the property shown in FIG. 1;

FIG. 4 is a diagram showing an evaluation table for explaining a method of evaluating land in the property shown in FIG. 1;

FIG. 5 is a diagram showing an evaluation table for explaining a method for evaluating land in the property shown in FIG. 1;

6 is a diagram showing an evaluation table for explaining a method of evaluating a building with land (for dwelling) in the property shown in FIG. 1;

7 is a diagram showing an evaluation table for explaining a method for evaluating a building with land (for dwelling) in the property shown in FIG. 1;

8 is a diagram showing an evaluation table for explaining a method for evaluating a building with land (for business) in the property shown in FIG. 1;

FIG. 9 is a diagram showing an evaluation table for explaining a method of evaluating a building with land (for business) in the property shown in FIG. 1;

FIG. 10 is a diagram showing an evaluation table for explaining a method of evaluating an apartment (for dwelling) in the property shown in FIG. 1;

11 is a diagram showing an evaluation table for explaining a method of evaluating an apartment (for dwelling) in the property shown in FIG. 1;

12 is a diagram showing an evaluation table for explaining a method of evaluating an apartment (for dwelling) in the property shown in FIG. 1;

FIG. 13 is a diagram showing an evaluation table for explaining a method of evaluating an apartment (for business) in the property shown in FIG. 1;

14 is a diagram showing an evaluation table for explaining a method of evaluating an apartment (for business) in the property shown in FIG. 1;

FIG. 15 is a diagram illustrating a method for rating the property in FIG. 1;

[Explanation of symbols]

 Reference Signs List 10 Sublease system business corporation 11 Application software (support equipment) 12 Target property leasing company 13 Loan contract guarantee institution 14 Financial Instruments Development Organization 20 Classification 21 Classification evaluation 22 Land 23, 26, 28 Evaluation 24 Building with land 25 Residential 27 Commercial 30 conditions 30a, 31a Points 31 items

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Hideyuki Banba 400 F-term (reference) 5B049 AA00 BB11 CC00 CC05 CC08 CC44 EE00 EE01 EE23 FF09 GG02 5B055 CB00 EE02 EE12 PA34

Claims (11)

[Claims] Claims 1. A sublease transaction market that rents and subleases various objects such as real estate, movables, services, and intangible property rights that can be converted into cash using the Internet. What is claimed is: 1. A method for subleasing a cashable object and providing a financial product, which provides a trading market for a financial product for selling a financial product, comprising: a first step of recruiting and applying for information on the object; and information on the object. A second step of establishing a window for recruitment and application on the Internet, a third step of applying in response to the recruitment of the object, and a fourth step of assessing the applied object.
A fifth step of reporting the result of the assessment to the applicant based on the assessment of the object and discussing the terms of the loan agreement; a sixth step of concluding the debt agreement; The seventh step of guaranteeing in the event that the borrower of the object has defaulted or is likely to default, such as when the borrower of the object has failed financially, sub-lease of the borrowed object and finance of securities, bonds, etc. An eighth step of discussing the operation form of commercialization, a ninth step of subscribing the sub-lease of the subject matter and the recruitment in accordance with the operational form of the financial product, and an object sub-leased on the Internet. The tenth process of opening a market for financial products, and operating the above market,
A sub-lease of a cashable object and a method for commercializing a financial object, comprising: an eleventh step of managing; and a twelfth step of applying for leasing of the object and buying and selling a financial product on the market. 2. The second step of claim 1 includes a thirteenth step of soliciting and applying for the object and a fourteenth step of soliciting and applying for financialization of the object. 2. The method according to claim 1, wherein the sub-lease of the cashable object and the financial product are carried out. 3. The method according to claim 1, wherein the third step includes a fifteenth step in which the owner of the object or a general contractor handling the object applies. 1. Sublease of a cash object and a method of commercializing financial instruments. 4. The method according to claim 1, further comprising: a step of performing a survey on the basis of the information to which the object has been applied; and a step of performing an evaluation based on the survey of the object. And rating the object based on the evaluation of the object.
2. The method according to claim 1, further comprising the steps of: 5. The eighth step of claim 1 includes a nineteenth step of discussing the rental operation of the object and a twentieth step of discussing the financial productization of the object. 2. The sublease of a cashable object and a method of commercializing a financial product according to claim 1, wherein: 6. The ninth step of claim 1 includes a twenty-first step of recruiting a recruitment company for the object and a twenty-second step of recruiting a sales company of the financial product. 2. The sublease of a cashable object and a method of commercializing a financial product according to claim 1. 7. The tenth step of claim 1 includes a twenty-third step of performing a rental offer advertisement, inquiry, application, etc. of the object, and a twenty-fourth step of performing advertisement, inquiry, purchase, etc. of the financial product. 2. The method according to claim 1, further comprising the steps of: 8. The eleventh step of claim 1 includes managing the object, managing a lending contract for the object, managing money related to leasing and subleasing of the object, selling financial products, etc., The method according to claim 1, further comprising a twenty-fifth step of performing operation management. 9. The twelfth step of the first aspect includes a twenty-sixth step in which an end user of the object or a general contractor handling the object applies or purchases. A method for subleasing and monetizing a cash object according to claim 1. 10. The subleasing of a cashable object according to claim 1, wherein the fifth step, the sixth step, and the seventh step of claim 1 are respectively performed by an existing or newly established institution. Financial productization method. 11. A recording medium storing a program indicating a procedure relating to the first to 26th steps.