JP2021015431A - Unsecured funding system - Google Patents

Abstract

To perform funding propriety determination by reservation/result evaluation for a hotel during a prescribed period and create a bond purchase plan for future trade receivables based on a reservation status.SOLUTION: In an unsecured funding system, a system center server includes: reservation/result evaluation means that calculates an evaluation index from an accommodation reservation status and an accommodation sales result for a prescribed period for a funding system affiliated hotel by using reservation/sales information, determines an evaluation rank to the funding system affiliated hotel on the basis of the evaluation index and a predetermined evaluation criterion, and performs reservation/result evaluation according to a predetermined acceptance criterion; and securitization specification design means that creates a bond purchase plan for future trade receivables based on the reservation status by using the total amount of expected sales of a reserved item whose period from the reservation of the funding system affiliated hotel determined to be fundable to accommodation is the prescribed period or longer.SELECTED DRAWING: Figure 2

Description

The present invention relates to an unsecured funding system that supports the purchase of undetermined future trade receivables of a funding system member hotel, and more specifically, determines whether or not funding is possible by evaluating the reservation and performance status of the hotel for a predetermined period. It relates to an unsecured funding system equipped with a system center server that creates a bond purchase plan for future trade receivables based on the reservation status.

As a measure to improve store cash flow, the inventor will convert undetermined future credit receivables based on the sales performance of credit card payments for a specified period into bonds, which will affect short-term fluctuations in sales of affiliated stores without collateral. We are proposing a funding system for credit card member stores that is not available, and it is possible to secure abundant liquidity on hand at stores without being affected by fluctuations in sales (Patent Documents). 1).

In addition, although the above proposal is useful in stores with a high credit card usage rate, it has the disadvantage that funding cannot be effectively used in stores that mainly use payment methods other than credit cards, such as cash payments and various electronic money payments. Since it had, the inventor aggregates the fixed sales for which settlement and payment of the store's commercial transactions have been completed, and calculates the fixed sales for each period. The function of the fixed sales totaling department and the sorting to be paid to the funding company. An undetermined future based on sales performance for a specified period using a cash register or ticket vending machine that has the function of a separate payment setting unit that calculates the payment amount and the amount of reservation to be deposited and / or the amount of reservation to be deposited with a separate payment agent. We are proposing an unsecured funding system that supports stores by converting trade receivables into bonds so that they are unsecured and are not affected by short-term fluctuations in sales of member stores, and payment methods other than credit cards such as cash payment are available. It is possible to secure abundant cash on hand at the main store without being affected by fluctuations in sales (see Patent Document 2).

In the accommodation industry such as hotels, it is possible to use the unsecured funding system by converting undetermined future trade receivables into bonds based on the above past sales results, but in response to the rapid increase in reservations, personnel, equipment, etc. When funds for allowances are required, it is desirable to convert future trade receivables into bonds based on the current reservation status rather than past sales results. However, since the timing of receiving reservations and the cancellation rate differ for each hotel, it is difficult to predict future sales only from the reservation status, and there is a problem that it is difficult to use the above-mentioned unsecured funding system.

International Patent Publication No. 2014/024520 Japanese Unexamined Patent Publication No. 2016-164717

The present invention has been made in view of the above-mentioned conventional problems, and an object of the present invention is to determine whether or not funding is possible based on a reservation and performance evaluation of a hotel for a predetermined period, and to obtain future trade receivables based on the reservation status. The purpose is to provide an unsecured funding system with a system center server that creates bond purchase plans.

In the unsecured funding system according to one aspect of the present invention, which is made to achieve the above object, the hotel management server of the hotel that is a member of the funding system and the system center server used by the funding company are connected by a communication network. It is an unsecured funding system that supports the purchase of undetermined future trade receivables of the funding system member hotel, and the hotel management server stays at the funding system member hotel at predetermined intervals. A reservation / sales information notification means for notifying the system center server of accommodation reservation / accommodation sales information that records the reservation status and accommodation sales results, and a fan applying for the sale of undetermined future sales receivables of the funding system member hotel. The system center server calculates an evaluation index from the accommodation reservation status and the accommodation sales record of the funding system member hotel for a predetermined period by using the accommodation reservation / accommodation sales information. The evaluation rank of the funding system member hotel is determined based on the evaluation index and the predetermined evaluation standard, the reservation / performance evaluation is performed according to the predetermined pass standard, and the evaluation rank is the predetermined pass. If the criteria are met and it is determined that funding is possible, a funding notification is sent to the hotel management server, and if the evaluation rank does not meet the predetermined acceptance criteria and it is determined that funding is not possible, the above The reservation / performance evaluation means for sending a notification of extension of the period of the reservation / performance evaluation to the hotel management server and the period from the reservation to the accommodation of the funding system member hotel judged to be able to fund are the predetermined period. It is characterized by having a bond-making specification design means for creating a bond purchase plan for future sales receivables based on the reservation status by using the total amount of planned sales of undetermined reservation projects having the above.

The evaluation index of the reservation / performance evaluation performed by the reservation / performance evaluation means is calculated from the accommodation record of the extracted reservation project by extracting the accommodation record of the reservation project whose period from reservation to accommodation of the predetermined period is longer than the predetermined period. It is desirable that the reservation cancellation rate, the reservation rate, the guest room occupancy rate, and the reservation / occupancy rate.

According to the funding system of the present invention, when funds for allowances for personnel, equipment, etc. are required in response to a rapid increase in reservations, it is possible to fund future sales receivables by securitization based on the current reservation status. Therefore, the funding system member hotels will be able to secure the necessary liquidity funds on hand.

It is a figure for demonstrating the scheme of the unsecured funding system by one Embodiment of this invention. It is a block diagram for demonstrating the configuration of the unsecured funding system using the system center server by one Embodiment of this invention. It is a block diagram for demonstrating the configuration of the system center server shown in FIG.

Hereinafter, specific examples of embodiments for implementing the unsecured funding system of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a diagram for explaining the scheme of the unsecured funding system of the present embodiment.
This scheme is premised on the conclusion of a bond purchase price transfer contract between the hotel owner 20 of the funding system member hotel 10 and the funding operator 30.
The hotel owner 20 of the funding system member hotel 10 notifies the funding company 30 of the accommodation reservation / accommodation sales record information that records the accommodation reservation status and the accommodation sales record of the funding system member hotel 10 for each predetermined period. , The funding company 30 determines whether or not funding is possible based on the reservation status of the hotel 10 member of the funding system based on the accommodation reservation / accommodation sales record information.
If it is determined that the funding based on the reservation status is possible, the funding business operator 30 notifies the hotel owner 20 of the funding availability notification based on the reservation status. Upon receiving the funding availability notification, the hotel owner 20 applies for the sale of the undetermined future trade receivable bonds of the funding system member hotel 10 for the future period for which the reservation has been made, and the funding operator 30 makes a reservation. Notify the hotel owner 20 of the bond purchase plan for future trade receivables of the hotel 10 member of the funding system based on the situation.

The funding company 30 purchases a part of the sales of the funding system member hotel 10 in the future period as a bond of future sales receivables, and the hotel owner 20 of the funding system member hotel 10 purchases the bond purchase price of the future sales receivables. pay. As a result, the hotel owner 20 of the funding system member hotel 10 secures the necessary liquidity funds without collateral.
The funding company 30 will use the accommodation reservation / accommodation sales record information that records the accommodation sales results of the funding system member hotels 10 when the purchased future sales receivables become bonds. The redemption amount of the bonds of 10 future trade receivables is calculated and notified to the hotel owner 20 of the funding system member hotel 10.
The hotel owner 20 of the funding system member hotel 10 pays the notified redemption money to the funding operator 30.
The redemption of the bonds paid to the funding operator 30 is continued until the face value of the bonds purchased by the funding operator 30 and the accumulated redemption amount redeemed by the funding operator 30 match.

FIG. 2 is a block diagram for explaining the configuration of an unsecured funding system using the system center server according to the present embodiment.
As shown in FIG. 2, the unsecured funding system according to the present embodiment includes a hotel management server 200 used by the hotel manager 20 of the funding system member hotel 10 and a system center server 300 used by the funding company 30.

The hotel management server 200 and the system center server 300 can be configured by using a commercially available PC (personal computer) or the like, and are storage devices such as a CPU (central control device), a memory, and a hard disk that constitutes a database. , A display device for displaying images, texts, etc. for management, an input device such as a keyboard and a mouse, and other input devices related to communication, and a configuration drawing thereof will be omitted. In addition, detailed description of each component that functions by executing a software program using these will be omitted.

In the present embodiment, the hotel management server 200 is installed in the funding system member hotel 10, and manages the accommodation reservations of the hotel management server communication means 210 and the funding system member hotel 10 that handle the overall communication business of the funding system member hotel 10. Reservation management means 220, sales management means 230 that manages the accommodation sales of the funding system member hotels 10, and reservation / sales information that records the accommodation reservation status and accommodation sales results of the funding system member hotels 10. It has a reservation / sales information notification means 240 transmitted to the funding system center server 300 used by the person 30, and a funding application means 250 for applying for the sale of undetermined future sales receivables of the funding system member hotel 10.

The hotel management server communication means 210 is connected to the main bank of the funding system member store 10, a host computer such as a travel agency, a connection to the funding system center server 300 used by the funding company 30, and a mail server business. It manages the overall communication of the funding system member hotels 10, including FTP processing, telephone, FAX, and dedicated line communication processing including LAN.

The reservation management means 220 accepts direct reservations to the hotel from prospective guests, online reservations from various sites, reservations from travel agencies, assigns reservation numbers in the order of reservation reception, and records them in the reservation management table. It is transmitted to the reservation / sales information notification means 240. The reservation management table records the total amount of accommodation charges after deducting the reservation number, reservation date, number of guests, accommodation period, room unit price, and reservation fee.
The sales management means 230 records the accommodation record of the funding system member hotel 10 in the sales management table in correspondence with the reservation number, and transmits it to the reservation / sales information notification means 240. In the sales management table, the reservation number, the number of actual guests, the actual accommodation period, the room unit price, and the total actual accommodation charge after deducting the reservation fee are recorded.

The reservation / sales information notification means 240 uses the reservation management table that records the accommodation reservation status and the sales management table that records the accommodation sales record as the accommodation reservation / accommodation sales record information, and provides the system center server 300 with the hotel management server communication means 210. Send via.
Accommodation reservation / accommodation sales record information is transmitted at predetermined periods, preferably on a daily basis.

The funding application means 250 receives a funding availability notification based on the reservation status from the system center server 300 and a bond purchase plan for future trade receivables via the hotel management server communication means 210, and sells the bonds for future trade receivables. The application is sent to the system center server 300.

The system center server 300 used by the funding company 30 is connected to the hotel management server 200 via a communication network such as a public line network or a dedicated line, and is a center server communication means 310 that handles all communication operations of the funding company 30. , Data storage means 320, Reservation / performance evaluation means 330 for determining whether or not funding is possible by reservation / performance evaluation, Bonding specification design means 340 for designing bond-making specifications for future trade receivables, Future trade receivables based on reservation status It has a redemption management means 350 that manages the redemption of bonds.

FIG. 3 is a block diagram for explaining the configuration of the system center server 300 shown in FIG.
With reference to FIG. 3, the configurations, functions, and operations of the reservation / performance evaluation means 330, the bond conversion specification design means 340, and the redemption management means 350 of the system center server 300 according to the present embodiment will be described.

(Reservation / Performance Evaluation)
The reservation / performance evaluation means 330 is preset with an evaluation index calculation unit 332 that calculates a reservation / performance evaluation index based on the accommodation reservation / performance sales performance information transmitted from the hotel management server 200, and a reservation / performance evaluation index. Hotel management by judging whether or not funding is possible based on the evaluation rank setting unit 334 that sets the evaluation rank of the hotel based on the judgment criteria, the evaluation rank set by the evaluation rank setting unit 334, and the judgment criteria set in advance. It has a funding determination unit 336 that transmits a funding enable notification or a reservation / performance evaluation period extension notification to the server 200.

When the center server communication means 310 of the system center server 300 receives the accommodation reservation / accommodation sales record information of the funding system member hotel 10, the center server communication means 310 transmits the accommodation reservation / accommodation sales record information to the evaluation index calculation unit 332.
The evaluation index calculation unit 332 records the data of the reservation management table and the sales management table of the accommodation reservation / accommodation sales record information of the funding system member hotel 10 in the reservation / sales record ledger corresponding to the funding system member hotel 10. Accommodation reservation / accommodation sales record information is stored in the data storage means 320.
In the reservation / sales record ledger, in addition to the total amount of the actual accommodation fee after deducting the reservation date, the number of actual guests, the actual accommodation period, the room unit price, and the reservation fee according to the reservation number, the period from the reservation date to the first day of accommodation The reservation acceptance period representing is recorded in the order of the first day of accommodation. Information on guests without a reservation number is recorded after the same accommodation date data.

The evaluation index calculation unit 332 picks up data having a reception period of a predetermined period or more and a record of accommodation, for example, accommodation data having a reception period of one month or more from the reservation / sales record ledger, and uses the picked-up data. , Calculate the daily reservation cancellation rate and reservation rate. The reservation cancellation rate is the number of canceled rooms divided by the number of reserved rooms and expressed as%, and the reservation rate is the number of reserved rooms divided by the total number of hotel rooms and expressed as%. Here, the acceptance period means the period from reservation to accommodation.
In addition, the evaluation index calculation unit 332 calculates the daily guest room occupancy rate and the reservation / occupancy rate using the data of the reservation / sales record ledger. The occupancy rate is expressed as% by dividing the actual number of guest rooms by the total number of guest rooms in the hotel, and the reservation / occupancy ratio is the number of guest rooms with data that has a reception period longer than the specified period and has a record of accommodation. It is expressed as a percentage by dividing by the number of actual guest rooms.

The evaluation index calculation unit 332 records the calculated reservation cancellation rate, reservation rate, guest room occupancy rate, and reservation / occupancy ratio in the reservation / sales record ledger, and stores the reservation / sales record ledger in the data storage means 320.
If the evaluation index calculation unit 332 can record a predetermined number of data of the reservation cancellation rate, reservation rate, guest room occupancy rate, and reservation / occupancy ratio of the reservation / accommodation sales record book of the hotel 10 member of the funding system, the funding system The notification of the completion of the evaluation data collection of the member hotels 10 is transmitted to the evaluation rank setting unit 334.

Upon receiving the notification of the completion of the evaluation data collection of the funding system member hotel 10, the evaluation rank setting unit 334 calls the reservation / accommodation sales record ledger of the funding system member hotel 10 from the data storage means 320, and averages the predetermined period. Calculate the reservation cancellation rate, average reservation rate, average room occupancy rate and average reservation / occupancy rate.
The evaluation rank setting unit 334 has an evaluation point conversion standard table corresponding to the numerical values of the reservation cancellation rate, the reservation rate, the guest room occupancy rate, and the reservation / occupancy ratio, and an evaluation rank standard table for ranking by the total of the evaluation points. Based on these standard tables, the evaluation rank of the funding system member hotel 10 is set from the numerical values of the average reservation cancellation rate, the average reservation rate, the average room occupancy rate, and the average reservation / occupancy rate for a predetermined period.

The evaluation rank setting unit 334 records the average reservation cancellation rate, average reservation rate, average room occupancy rate, average reservation / occupancy ratio, and evaluation rank for a predetermined period in the reservation / accommodation sales record ledger of the funding system member hotels 10. , The reservation / sales record ledger is stored in the data storage means 320, and the notification of the completion of the reservation / performance evaluation of the funding system member hotel 10 is transmitted to the funding determination unit 336.

Upon receiving the notification of the completion of the reservation / performance evaluation of the funding system member hotel 10, the funding judgment unit 336 calls the reservation / accommodation sales performance ledger of the funding system member hotel 10 from the data storage means 320, and the evaluation rank setting unit Whether or not funding is possible is determined based on the evaluation rank set by 334 and the determination criteria set in advance.
The funding judgment unit 336 sends a funding availability notification to the hotel management server 200 and sets it in advance if the reservation / performance evaluation rank of the funding system member hotel 10 is at a passing level in light of the preset judgment criteria. If it is at the failing level according to the criteria given, a notice of extension of the reservation / performance evaluation period will be sent.
If the reservation / performance evaluation rank of the funding system member hotel 10 is at the passing level, the funding judgment unit 336 sends a funding availability notification to the hotel management server 200 and joins the funding system design means 340 for bond conversion specifications. The request for creating a bond purchase plan for future sales receivables of Hotel 10 is transmitted.

(Design of future trade receivables into bonds)
The bond conversion specification design means 340 sets the bond conversion target period setting unit 341 for setting the bond conversion target period and the redemption start date of future sales receivables based on the reservation status, and the bond conversion ratio of future sales receivables based on the reservation status. Bonding ratio setting unit 342, bond face value setting unit 343 that sets the bond face value of future trade receivables based on the reservation status and bond purchase price from the funding system member hotel 10, and the funding system member hotel 10 pays Create a bond purchase plan that sets the redemption payment conditions, the redemption condition setting unit 344, the bond conversion period, the bond face value, the bond purchase price, and the redemption payment conditions, and propose it to the funding system member store 10. It has a bond purchase plan setting unit 345.

When the bond conversion specification design means 340 receives a request to create a bond purchase plan for future trade receivables of the funding system member hotel 10, the data storage means 320 calls the reservation / accommodation sales record ledger of the funding system member hotel 10. Create a bond purchase plan to be proposed to the funding system member store 10.

The bond conversion target period setting unit 341 picks up reservation projects that have an acceptance period of a predetermined period or more from the reservation / sales record ledger, for example, reservation projects that have an acceptance period of one month or more, and the corresponding accommodation date of the picked up reservation projects. Set the period subject to securitization to convert undetermined future trade receivables of the funding system member hotels 10 into bonds.
The length of the bond conversion period is preferably determined according to the length of the accumulation period of the actual data of the reservation / actual evaluation. For example, if the actual data accumulation period of the reservation / actual evaluation is 3 months, The maximum bond period is set to 3 months in the future. In addition, the unit period for securitization is preferably monthly because of ease of securitization and redemption management, and the maximum period for securitization is preferably an integral multiple of the unit period for securitization.
It is preferable to set the period for securitization within one year of the period for accumulating actual data of provisional sales.
The bond conversion target period setting unit 341 transmits the set bond conversion target period to the bond conversion ratio setting unit 342 and the bond purchase plan setting unit 345.

The securitization ratio setting unit 342 sets the securitization ratio, which is the ratio of the planned sales corresponding to the reserved projects in the period subject to securitization, to the securitization ratio based on a preset standard. It is preferable to set the criteria for setting the bond conversion ratio based on the numerical value of the evaluation index of the reservation / performance evaluation.
That is, if the reservation cancellation rate value is high, the bond conversion rate is set low, and if the reservation / operation ratio value is low, the bond conversion rate is set high.
The bond conversion ratio setting unit 342 transmits the set bond conversion ratio to the bond face value setting unit 343 and the bond purchase plan setting unit 345.

The bond face value setting unit 343 multiplies the planned sales corresponding to the reservation project having an acceptance period of a predetermined period or more within the bond conversion target period by the bond conversion ratio to obtain the bond face value of the future trade receivables based on the reservation status. Set and set the bond purchase price from the funding system member hotel 10 by subtracting the fee and interest from the bond face value.
The bond face value setting unit 343 transmits the set bond face value and bond purchase price to the redemption condition setting unit 344 and the bond purchase plan setting unit 345.

The redemption condition setting unit 344 sets the payment conditions for the redemption money paid by the funding system hotel 10. The redemption money paid by the funding system member hotel 10 to the funding company 30 for the bond purchase of future trade receivables will start to be paid when the bond conversion period comes, and the funding system member hotel 10 will be converted into bonds. The amount obtained by multiplying the sales during the target period by the bond redemption ratio is paid at regular intervals, and payment is continued until the paid redemption amount becomes the same as the bond face value.
The redemption condition setting unit 344 sets the start date and installment payment date of the redemption installment payment and the bond redemption ratio. The start date of the redemption installment payment is not particularly limited as long as it is the day after the start date of the bondage period, but it is preferably the month following the start month of the bondage period, and the redemption installment payment date is also monthly. It is preferable to pay for.
The bond redemption ratio is usually set to the same value as the bond conversion ratio, and the redemption condition setting unit 336 creates a redemption installment payment model by multiplying the actual sales by the bond redemption ratio.
The redemption condition setting unit 344 transmits the set redemption payment conditions to the bond purchase plan setting unit 435.

The bond purchase plan setting unit 345 creates a bond purchase plan for future trade receivables based on the reservation status of the funding system member hotel 10, and transmits the bond purchase plan to the store management server 200 via the center server communication unit 310.
The bond purchase plan describes the period to be securitized, the securitization ratio, the face value of the bond, and the terms of payment of redemption money.

(Management of redemption of future trade receivables based on reservation status)
A bond purchase price transfer contract is concluded between the hotel owner 20 of the funding system member hotel 10 and the funding company 30, and the claims of a predetermined ratio of the future sales of the funding system member hotel 10 are obtained. When the bond is sold to the funding company 30 as a purchase bond for future trade receivables, the redemption management means 350 of the system center server 300 calculates the redemption amount based on the sales of the hotel during the redemption period, and the center server communication unit. It is transmitted to the hotel management server 200 via 310.

The redemption management means 350 includes a redemption amount setting unit 352 that calculates the daily redemption amount, a redemption status determination unit 354 that determines the end of redemption and the extension of the redemption period, and a redemption notice that notifies the redemption amount, the redemption end, and the extension of the redemption period. It has a part 356.
When the period subject to bond conversion arrives, the redemption amount setting unit 342 calls the reservation / sales record ledger from the data storage means 320, multiplies the daily sales of the hotel by the redemption ratio, sets the daily redemption amount, and sets the data. It is stored in the storage means 320.
For the final daily sales when the redemption amount reaches the bond face value, the sales amount equivalent to the redemption amount equal to the bond face value is set as the planned redemption amount, and the redemption amount and the bond face value are the same amount. To be.

The redemption status determination unit 354, which determines the end of redemption, terminates the redemption of the bond when the daily redemption amount set by the redemption amount setting unit 342 reaches the bond face value, and even after the bond conversion period has passed, the day If the next redemption amount does not reach the bond face value, the redemption period will be extended.
The redemption period will continue until the redemption amount reaches the bond face value.

The redemption notification unit 356 communicates the daily redemption amount set by the redemption amount setting unit 352 and the end of redemption or extension of the redemption period of the bond determined by the redemption status determination unit 354 to the store management server 200 as a daily redemption amount notification. Notify via unit 310.
The daily redemption amount notification notified from the redemption notification unit 356 to the hotel management server 200 via the communication unit 310 includes the daily redemption amount, whether the bond has been redeemed, whether the redemption period has been extended, and future sales. Includes face value of bonds purchased, securitization ratio, securitization period, redemption start date, cumulative redemption amount including redemption on the day, and redemption balance.

10 Funding system member hotels 20 Hotel owners 30 Funding companies 200 Hotel management server 210 Hotel management server Communication means 220 Reservation management means 230 Sales management means 240 Accommodation reservation / accommodation sales information notification means 250 Funding application means 300 System center Server 310 Center server Communication means 320 Data storage means 330 Reservation / performance evaluation means 332 Evaluation index calculation unit 334 Evaluation rank setting unit 336 Funding judgment unit 340 Bonding specification design means 341 Bonding target period setting unit 342 Bonding ratio setting unit 343 Bond face value setting department 344 Redemption condition setting department 345 Bond purchase plan setting department 350 Redemption management means 352 Redemption amount setting department 354 Redemption status judgment department 356 Redemption notification department

Claims (2)

The hotel management server of the hotel that is a member of the funding system,
An unsecured funding system that is connected to the system center server used by the funding company via a communication network to support the purchase of undetermined future trade receivables of the funding system member hotels.
The hotel management server
Reservation / sales information notification means for notifying the system center server of accommodation reservation / accommodation sales information that records the accommodation reservation status and accommodation sales results of the funding system member hotels at predetermined intervals.
It has a funding application means for applying for the sale of undetermined future trade receivables of the funding system member hotel.
The system center server
Using the accommodation reservation / accommodation sales information, an evaluation index is calculated from the accommodation reservation status and accommodation sales performance of the funding system member hotel for a predetermined period, and the evaluation index is calculated based on the evaluation index and a predetermined evaluation standard. The evaluation rank of a hotel affiliated with the funding system is determined, reservations and performance evaluations are made according to predetermined acceptance criteria, and if the evaluation rank meets the predetermined acceptance criteria and it is judged that funding is possible, the hotel If a funding availability notification is sent to the management server and the evaluation rank does not meet the predetermined acceptance criteria and it is determined that funding is not possible, the hotel management server is extended for a predetermined period of the reservation / performance evaluation. Reservation / performance evaluation means to send notifications of
Future trade receivables based on the reservation status using the total amount of planned sales of unconfirmed reservations for which the period from reservation to accommodation of the funding system member hotel judged to be fundable is longer than the specified period An unsecured funding system characterized by having a bond-making specification design means for creating a bond purchase plan. The evaluation index of the reservation / performance evaluation performed by the reservation / performance evaluation means is calculated from the accommodation record of the extracted reservation project by extracting the accommodation record of the reservation project whose period from the reservation to the accommodation of the predetermined period is longer than the predetermined period. The unsecured funding system according to claim 1, wherein the reservation cancellation rate, the reservation rate, the guest room occupancy rate, and the reservation / occupancy rate.

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