JP7298956B2 - Information processing equipment - Google Patents

Description

The present invention relates to an information processing device.

Conventionally, investment strategy planning systems have been proposed for the purpose of smoothly proceeding with investment activities in a fund and stably providing high dividends to investors (see Patent Document 1, for example).

JP-A-2003-108776

However, from investors, compared to conventional technology including Patent Document 1, investment yield, supply and demand balance, and trading market stability are superior, and the desired profit and loss can be recorded. There is a demand to make

The present invention has been made in view of such a situation, and the investment target is excellent in investment yield, supply and demand balance, and stability of the trading market, and it is possible to record the profit and loss desired by the investor. The purpose is to provide the products of the Fund to investors.

In order to achieve the above object, an information processing device according to one aspect of the present invention includes:
A purchase and sales amount calculation unit that calculates the purchase amount of t vehicles (t is an integer value of 1 or more) including at least the vehicle type, history information including elapsed years, and price as parameters, and the sales amount after the elapse of a predetermined period. and,
A rental cost calculation unit that calculates the rental cost in the case of renting each of the t vehicles to a predetermined lessee under a lease contract, with the person who purchased each of the t vehicles as the lessor;
Based on the rental cost, the purchase amount, and the sales amount, the profit and loss amount of the lender and the profit and loss amount of the investor who purchases the product of the fund consisting of the combination of t vehicles are calculated. a profit and loss calculation unit for calculation;
By changing the combination of the parameter and the t units, the purchase amount, the sales amount, the rental fee, the lender's profit and loss, and the investor's profit and loss, the purchase sales amount calculation unit, the rental cost calculation unit, and a product optimization that repeatedly executes each process of the profit and loss calculation unit, and determines the content of the product of the fund based on the execution results so that the profit and loss amount of the lender is the amount desired by the investor. chemical department and
Prepare.

In addition, further comprising a depreciation calculation unit that calculates the depreciation of each of the t vehicles,
The profit and loss calculation unit further
Based on the rental expenses, the depreciation expenses, the purchase amount, and the sales amount, each of the profit and loss amount of the lender and the profit and loss amount of the investor who purchases the product of the fund is calculated. ,
The product optimization department further
By changing the combination of the parameter and the t units, the purchase amount, the sales amount, the depreciation cost, the rental fee, the lender's profit and loss, and the investor's profit and loss, the purchase and sales amount calculation unit, Each process of the depreciation calculation unit, the rent calculation unit, and the profit and loss calculation unit is repeatedly executed, and based on the execution results, the profit and loss amount of the lender is the amount desired by the investor, The product content of the fund may be determined.

In addition, the product optimization unit further
Based on the amount of funds procured by the lender through loans and the amount of funds procured by selling the products of the fund, the profit and loss amount of the lender is the amount desired by the investor, The combination of the loan and the fund can be optimized.

Also, at least some of the t vehicles may include a towing vehicle that can be separated into a tractor and a trailer.

In addition, the rental cost calculation unit further
The rental cost of the vehicle can be calculated based on the amount of consideration obtained when the lessee uses the vehicle to provide a predetermined service.

Also, the vehicle may be a commercial freight vehicle.

Also, the vehicle may be a vehicle for carrying passengers.

According to the present invention, it is possible to provide a fund product whose investment target is excellent in investment yield, supply and demand balance, and stability of the trading market, and which can record the profit and loss desired by the investor.

1 is a diagram showing a schematic configuration of an information processing system including an information processing device according to an embodiment of the present invention; FIG. 2 is a block diagram showing the hardware configuration of the service providing server 1 of FIG. 1; FIG. 2 is a functional block diagram showing an example of functional configurations of a service providing server 1, an investor terminal 2, a seller terminal 3, and a borrower terminal 4 in the information processing system of FIG. 1; FIG. 2 is a functional block diagram showing an example of a functional configuration of a service providing server 1 in the information processing system of FIG. 1; FIG. It is a figure which shows the specific example of the various calculation results performed in the simulation part. FIG. 10 is a diagram showing a specific example of calculation results by the profit and loss calculator of the simulation unit; It is a figure which shows the example of the result of the optimization by the goods optimization part. FIG. 4 is a diagram showing an example of vehicle information for commercial freight vehicles that make up an optimized truck fund product;

An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 is a diagram showing an overview of the configuration of an information processing system including an information processing device according to one embodiment of the present invention.

The information processing system shown in FIG. 1 includes a service providing server 1 operated by a fund manager FM, and investor terminals 2 operated by investors I-1 to In (n is any integer value equal to or greater than 1). -1 to 2-n, each of the seller terminals 3-1 to 3-m operated by each of the sellers S-1 to Sm (m is an arbitrary integer value of 1 or more), and the borrower R- Borrower terminals 4-1 to 4-p operated by 1 to Rp (p is an arbitrary integer value of 1 or more) are connected to each other via a predetermined network N such as the Internet. It consists of

Here, the fund manager FM is an individual or group whose purpose is to manage and increase the assets entrusted by the investors I-1 to I-n as a management entity of the fund for business-use cargo transportation vehicles. Say.
The object of the fund to which the present invention is applied is vehicles, and in particular, in this embodiment, used vehicles for transporting business cargo are adopted. In addition, the vehicle in the present invention is not particularly limited. For example, any vehicle can be included, such as a vehicle for transporting cargo such as a truck or a trailer, or a vehicle for carrying passengers such as a bus.
In addition, unless otherwise specified in this specification, simply calling it a used car means a used car for commercial cargo transportation.

Investors I-1 to In are individuals or corporations who invest their current assets in a fund with the main purpose of increasing their assets in the future, such as individual investors and institutional investors. etc. are included. The purpose of investing in the fund by the investors I-1 to In includes that the profit and loss amount of the truck fund relative to the amount of investment by the investors I-1 to In is the amount desired by the investors I-1 to In. be
Sellers S-1 to Sm are persons who sell business-use cargo-carrying vehicles based on a sales contract for business-use cargo-carrying vehicles with the fund manager FM and obtain consideration for them. This includes transportation companies that sell second-hand commercial cargo transportation vehicles.
Lessees R-1 to Rp are persons who rent one or more commercial cargo transportation vehicles subject to the fund based on a lease agreement with the fund manager FM, and use, for example, second-hand vehicles for transportation. Includes transportation companies, etc.

The commercial freight vehicles covered by the fund can include towing vehicles that can be divided into tractors and trailers (cargo beds and passenger cars). Here, the tractor and trailer are combined during transportation, but can be separated during storage, so if lessee R-1 has one or more tractors, more trailers should be stored. is also possible. Therefore, in this embodiment, the tractor and the trailer can be handled separately and each of them can be funded separately. In other words, when a towing vehicle is described as "one vehicle for transporting commercial cargo", it means "one towing vehicle (tractor and trailer set)", and "one tractor" or "one trailer". It also includes the meaning of "table".

Hereinafter, investors I-1 to In, investor terminals 2-1 to 2-n, sellers S-1 to Sm, seller terminals 3-1 to 3-m, borrowers R-1 to R -p, borrower terminals 4-1 to 4-p, when it is not necessary to distinguish them individually, they are collectively referred to as "investor I", "investor terminal 2", "seller S", "seller terminal 3”, “borrower R”, and “borrower terminal 4”.

The service providing server 1 executes various processes in order to manage each operation of the investor terminal 2, the seller terminal 3, and the borrower terminal 4. FIG.
The investor terminal 2 is an information processing terminal operated by each investor I, and is composed of, for example, a personal computer, a smart phone, or the like.
The seller terminal 3 is an information processing terminal operated by each of the sellers S, and is composed of, for example, a personal computer, a smart phone, or the like.
The borrower terminal 4 is an information processing terminal operated by each borrower R, and is composed of, for example, a personal computer, a smartphone, or the like.

Specifically, in this embodiment, the service providing server 1 manages each operation of the investor terminal 2, the seller terminal 3, and the borrower terminal 4 as follows.

That is, in the present embodiment, the fund manager FM purchases t (where t is an integer value of 1 or more) commercial cargo transportation vehicles from the seller S, and enters into a vehicle sales contract, a vehicle lease contract, and a vehicle lease contract with the fund. and enter into an asset management contract.
Here, the asset management contract is a contract that stipulates that the fund manager FM manages the business cargo transportation vehicle on behalf of the fund, which is the owner of the business cargo transportation vehicle.
In addition, the fund manager FM rents t vehicles for transporting commercial goods from the fund, and leases the t vehicles for transporting commercial goods to the lessee R.
Therefore, the fund manager FM can obtain income based on the vehicle sales contract and asset management contract with the fund and the rental contract with the lessee R.
In addition, the fund may earn revenue based on vehicle lease agreements with the fund manager FM and the sale of the t commercial freight vehicles after a predetermined number of years. Also, using this as a source, stable dividends can be paid to the investor I.
A fund with such a profit structure is hereinafter referred to as a “track fund”.

Here, although a new car may be adopted as a vehicle for transporting cargo for business use, which is the object of the truck fund, a used car is adopted in the present embodiment. This is for the following reasons.
First of all, as a premise, at least in Japan, for tax purposes, regardless of whether the vehicle is new or used, it is allowed to immediately expense the entire amount required for the acquisition of the vehicle in the accounting process when the vehicle is purchased. Not done. This is because the vehicle is used for several years, and it is necessary to depreciate it according to the period of use of the vehicle. In addition, the period of use is called "useful life".
In this case, Investor I shall deduct the depreciation of the portion invested by himself out of the purchase cost of the commercial cargo transportation vehicle covered by the truck fund until the useful life has passed. Can be expensed in accounting. Namely. Investor I can enjoy benefits in terms of tax system by purchasing products of the truck fund.
The advantage of depreciation in terms of such tax system is particularly large for used cars compared to new cars. This is because it is generally believed that used cars cannot be used longer than new cars, so the service life of used cars is shorter than that of new cars. In other words, used cars have the advantage of being able to be expensed (depreciated) in a shorter period of time than new cars in terms of accounting. For this reason, it can be said that used cars are an investment target for Investor I that has an excellent investment yield and a stable demand-supply balance and trading market.

In addition, even when compared to real estate funds that invest in real estate such as houses and buildings that have longer useful lives than new cars, used cars have a much shorter useful life than real estate, so investors I can enjoy the benefits of depreciation in the short term.
Furthermore, compared to airplane funds, ship funds, etc., which are often managed overseas, Investor I can enjoy the advantage of low exchange rate fluctuation risk.
In other words, the track fund is an excellent fund product that enables the investor I to obtain stable dividends and record depreciation expenses in a short period of time.

In this regard, the fund manager FM can provide investors I with such excellent fund products (track funds) with peace of mind. In addition, the fund manager FM can sufficiently collect profits even if the dividend is paid to the investor I.

In addition, in the truck fund, lessee R, who runs a transportation company, can acquire a new means of procuring business-use cargo transportation vehicles by renting a used car from the fund manager FM as a business-use cargo transportation vehicle.
That is, the conventional means of procuring general business-use cargo transportation vehicles is to purchase business-use cargo transportation vehicles by the transportation company itself. In this case, although the transportation company bears the cost of purchasing a vehicle for transporting commercial cargo, taxes such as automobile tax, etc., it is not possible to obtain a high evaluation as a financial asset value. There is also the risk of vehicle failure. In other words, the above-mentioned demerits arise in the means of procurement of general business-use cargo-transporting vehicles.
However, in the truck fund, the ownership of the commercial cargo transport vehicle used by the lessee R who runs a transportation company belongs to the truck fund, so when the transport company directly purchases the commercial cargo transport vehicle There are no such disadvantages.
In other words, lessee R only needs to pay monthly rent to fund manager FM based on the content of the vehicle lease agreement concluded with fund manager FM without owning a vehicle for transporting cargo for business use.
In addition, depending on the content of the lease contract, the truck fund, not the lessee R, may bear the financial burden such as automobile tax and the risk of vehicle failure.
Therefore, if a third party, including financial institutions, etc., evaluates the management structure (balance sheet, etc.) of the lessee R, it is better to procure a commercial cargo transport vehicle by leasing it rather than by purchasing it. , borrower R will be highly valued.

In this way, the product of the track fund is an attractive fund that allows all of the investor I, the fund manager FM, and the borrower R to enjoy benefits.
For this reason, it is desirable that the profit and loss of the four parties including the investor I, the fund manager FM, the track fund, and the borrower R are optimized for the product of the track fund.
That is, in order for such optimization to be performed, the fund manager FM selects the optimum combination of the items (1) to (5) below for each of the t commercial cargo transportation vehicles. Need to consider.
(1) History information including the type of vehicle, the number of years since the vehicle was sold as a new vehicle, and the purchase price including at least the vehicle price as a parameter (hereinafter referred to as "parameter information") (2) After purchasing from the seller S, a predetermined Sales amount (trade-in price) after the period of
(3) Depreciation expenses (4) Rent expenses when renting to a predetermined lessee R (5) Profit and loss of investor I, fund manager FM, truck fund, and lessee R

The service providing server 1 in this embodiment performs simulations for various combinations of the above (1) to (5). This makes it possible to provide truck fund products based on optimal combinations of multiple commercial freight vehicles.
Such a product is an optimal product in which the profit and loss of the investor I, the fund manager FM, the truck fund, and the profit and loss of the borrower R (rent costs and financial merits and demerits) are comprehensively considered.

Details of these processes executed by the service providing server 1 will be described later with reference to FIGS.

FIG. 2 is a block diagram showing the hardware configuration of the service providing server 1 of FIG. 1. As shown in FIG.

The service providing server 1 includes a CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12, a RAM (Random Access Memory) 13, a bus 14, an input/output interface 15, an output section 16, and an input section. 17 , a storage unit 18 , a communication unit 19 and a drive 20 .

The CPU 11 executes various processes according to programs recorded in the ROM 12 or programs loaded from the storage unit 18 to the RAM 13 .
The RAM 13 also stores data necessary for the CPU 11 to execute various processes.

The CPU 11 , ROM 12 and RAM 13 are interconnected via a bus 14 . An input/output interface 15 is also connected to this bus 14 . An output unit 16 , an input unit 17 , a storage unit 18 , a communication unit 19 and a drive 20 are connected to the input/output interface 15 .

The output unit 16 includes a display, a speaker, and the like, and outputs various information as images and sounds.
The input unit 17 is composed of a keyboard, a mouse, etc., and inputs various kinds of information.

The storage unit 18 is configured by a hard disk, a DRAM (Dynamic Random Access Memory), or the like, and stores various data.
The communication unit 19 communicates with other devices (in the example of FIG. 1, investor terminals 2-1 to 2-n, seller terminals 3-1 to 3-m, and borrower terminals 4-1 to 4-p).

A removable medium 30 such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory is mounted in the drive 20 as appropriate. A program read from the removable medium 30 by the drive 20 is installed in the storage section 18 as necessary.
The removable medium 30 can also store various data stored in the storage unit 18 in the same manner as the storage unit 18 .

Although not shown, in the information processing system of FIG. 1, the investor terminal 2, the seller terminal 3, and the borrower terminal 4 as an embodiment of the present invention also have the hardware configuration shown in FIG. there is

FIG. 3 is a functional block diagram showing an example of the functional configuration of the service providing server 1 in the information processing system of FIG.

In the CPU 11 (FIG. 2) of the service providing server 1, as shown in FIG. 3, a simulation section 201 and a product optimization section 202 function.
A vehicle DB 401 and a calculation result DB 402 are provided in one area of the storage unit 18 (FIG. 2).

The simulation unit 201 includes a purchase/sales calculation unit 301 , a depreciation calculation unit 302 , a rent calculation unit 303 , and a profit/loss calculation unit 304 .

In the simulation unit 201, for a combination of t (t is an integer value of 1 or more) arbitrarily selected from a plurality of commercial cargo transportation vehicles, each calculation unit performs the following: An operation such as For each of the t arbitrarily selected commercial cargo transportation vehicles, at least the vehicle type, history information including elapsed years, and price are associated as parameters, and stored and managed in the vehicle DB 401. ing.
Here, the combination of t commercial freight vehicles can include those currently owned by the truck fund as well as commercial freight vehicles that the truck fund can purchase in the future.

The purchase/sales amount calculation unit 301 calculates the purchase amount and the sales amount (trade-in price) after the elapse of a predetermined period for each of the t commercial cargo transportation vehicles.
For commercial cargo transport vehicles currently owned by the Truck Fund, the amount paid when the commercial cargo transport vehicle was actually purchased is calculated as the purchase price. In addition, for commercial freight vehicles that the truck fund can purchase in the future, the purchase price is the predicted purchase price calculated based on the information obtained from the seller terminal 3 . The specific amount invested by the investor I is determined based on the purchase price of the t commercial cargo transportation vehicles.
The sales amount (trade-in price) after the lapse of a predetermined period is a predicted sales amount calculated based on the above-mentioned parameters and the purchase amount of the commercial cargo transportation vehicle.
A specific example of the purchase price of the commercial cargo transport vehicle calculated by the purchase/sales price calculator 301 will be described later with reference to FIG. 5A.

The depreciation calculation unit 302 calculates the depreciation cost of each of the t commercial cargo transportation vehicles based on the calculation result of the purchase price and the like by the purchase/sales calculation unit 301 .
A specific example of the depreciation cost of the commercial cargo transportation vehicle calculated by the depreciation calculation unit 302 will be described later with reference to FIG. 5B.

The rental cost calculation unit 303 leases t commercial cargo transportation vehicles from the truck fund to the lessee R under a lease contract with the fund manager FM as the lessor. Calculate the rental cost when renting based on. This rent is a variable element and is calculated by a predetermined algorithm.
In addition, it is also possible to calculate the rental cost of the commercial cargo transport vehicle based on the amount of consideration obtained when the lessee R provides a predetermined service using the commercial cargo transport vehicle.
As a result, the fund manager FM can lease the business cargo transportation vehicle and provide (intermediate) the lessee R with a specific cargo transportation business itself using the business cargo transportation vehicle.
A specific example of the rental cost of the commercial cargo transport vehicle calculated by the rental cost calculation unit 303 will be described later with reference to FIG. 5C.

The profit and loss calculation unit 304 calculates the profit and loss amount of the truck fund and the investor I and the profit and loss amount of borrower R are calculated.
Here, the profit and loss of the truck fund mainly refers to the sum of rental income and sales (trade-in price) of commercial cargo transport vehicles, depreciation expenses and miscellaneous expenses for commercial cargo transport vehicles. This is the reduced amount.
Investor I's profit and loss is mainly the amount obtained by subtracting the depreciation cost of the commercial cargo transport vehicle that can be recorded as his own expenses from the dividend amount of the truck fund.
Lessee R's profit and loss mainly consists of the difference between the cost required to purchase a commercial cargo transport vehicle at its own expense and the cost required to rent it, and This includes improvements in asset value, etc.
Note that specific examples of various profit and loss amounts calculated by the profit and loss calculation unit 304 will be described later with reference to FIG.

One simulation result for one predetermined combination of t commercial freight vehicles is stored in the calculation result DB 402 .

The product optimization unit 202 calculates the parameters, purchase amount, sales amount, depreciation cost, rental cost, profit and loss of the truck fund, and investor I's While changing the combination of the profit and loss and the profit and loss of the lessee R, each process in the purchase and sales calculation unit 301, the depreciation calculation unit 302, the rent cost calculation unit 303, and the profit and loss calculation unit 304 is repeatedly executed. Then, the product optimization unit 202 determines the details of the track fund product so that the profit and loss amount of the track fund is the amount desired by the investor I, based on the execution result of each process.
That is, the product optimization unit 202 calculates the parameters, purchase amount, sales amount, depreciation cost, rental cost, profit and loss of the truck fund, investor While changing the combination of the profit and loss of I and the profit and loss of the borrower R, the simulation by the simulation unit 201 is repeatedly executed.
Then, the product optimization unit 202 determines the product details of the truck fund based on a large number of simulation results by the simulation unit 201 .
In this way, the track fund's product offering is optimized for fund manager FM, investor I, and borrower R.
A specific example of the truck fund product optimized by the product optimization unit 202 will be described later with reference to FIGS. 7 and 8. FIG.

The case where the managing entity of the track fund is the fund manager FM has been described above.
It should be noted that the case where the information processing apparatus according to one embodiment of the present invention can be applied is not limited to the case where the managing entity of the track fund is the fund manager FM. For example, it can be applied to a case in which a single company acts as an operating entity without taking the form of a fund.
In this way, a case in which the managing entity is a single company without taking the form of a fund will be described with reference to FIG.
FIG. 4 is a functional block diagram showing an example of functional configurations of the service providing server 1, the seller terminal 3, and the borrower terminal 4 of FIG.
In addition, in the example of FIG. 4, one company, which is the managing body, is described as "manager M".

As can be easily understood by comparing FIGS. 3 and 4, the functional configuration of the service providing server 1 is the same regardless of the operating body.
In other words, there are two differences between the case where the operating entity is the fund manager FM and the case where the operating entity is the manager M (single company). That is, the first is the difference in the source funds for the purchase price of t commercial cargo transportation vehicles. That is, the source of funds for the purchase price of t commercial cargo transportation vehicles is the investment amount of investor I in the former, while the amount separately prepared by manager M (one single company) in the latter. becomes. The second difference is that in the latter case, since there is no investor I, there is no dividend per se, and all profits generated by the track fund are manager M's profits.
Other than the two differences mentioned above, both are basically the same. For this reason, even if the operating entity is Manager M (single company), the same simulation as in the case where the operating entity is Fund Manager FM is performed, thereby optimizing track fund products. things are decided.

As described above with reference to FIGS. 3 and 4, the service providing server 1 performs various processes so that the fund manager FM, the manager M, the investor I, and the borrower R can obtain the optimal track fund product. to run.

5 to 8, the amount that investor I intends to invest is 30,000,000 yen, and the amount that investor I wants to record as profit or loss in the first year is 18%, which is 60% of the investment amount. , 000,000 yen. Specifically, as a result of executing each process in the service providing server 1, the number of commercial cargo transportation vehicles is "8", the investment amount of investor I is "30,000,000 (yen)", the first year It is assumed that a truck fund product with a profit and loss of "-17,293,333 (yen)" is proposed to the investor I.
5 to 8 are diagrams showing specific examples of results of various calculations performed in the simulation unit 201 and results of optimization processing performed in the product optimization unit 202. FIG.

FIG. 5A is a diagram showing a specific example of information stored in the calculation result DB 402 as the calculation result by the purchase/sales amount calculation unit 301 of the simulation unit 201. As shown in FIG.
In the example shown in FIG. 5A, the model name, model, and model year of each of the eight freight vehicles are used as parameters, and the included price (purchase price), residual value rate, and after the two-year depreciation period has elapsed is calculated.
Specifically, as the first of the eight business-use cargo transportation vehicles that make up the truck fund products, the model name is "Large Van (Wing)", the model is "FS64JZ-550", the model year is Based on the parameters of a commercial cargo transport vehicle set to "(Heisei) 19 (Year)", the included price is "2,500,000 (yen)", the residual value rate is "40.00%", and the A calculation result of the price of "1,000,000 (yen)" is shown.
In addition, as the second of the eight commercial cargo transportation vehicles that make up the truck fund products, the model name is "2t van", the model is "XZU548-000", the model year is "(Heisei) 21 ( based on the parameters of the commercial cargo transport vehicle, which is "1,000,000 (yen)", the residual value rate is "30.00%", and the selling price is "300,000 (yen)” is shown.
Another specific example of the information stored in the calculation result DB 402 as the calculation result by the purchase/sales amount calculation unit 301 is as shown in FIG. 5A. (yen)”, and the total selling price is “15,500,000 (yen)”.

FIG. 5B is a diagram showing a specific example of information stored in the calculation result DB 402 as the calculation result by the depreciation calculation unit 302 of the simulation unit 201. As shown in FIG.
In the example shown in FIG. 5B, along with the depreciation method (the declining balance method in the example of FIG. 5B) and the depreciation rate for each year, the depreciation period determination (result) and depreciation rate determination (result) for each of the eight freight vehicles , the number of months until the settlement of account for the first year, and the depreciation amount for each year.
Specifically, for the first of the eight business-use cargo transportation vehicles that make up the products of the truck fund, the depreciation period determination (result) is "2 years" and the depreciation rate determination (result) is "100. 00%”, the first year depreciation amount is “1,666,667 (yen)”, and the second year depreciation amount is “833,333 (yen)”.
In addition, for the second of the eight business-use cargo transportation vehicles that make up the products of the truck fund, the depreciation period determination (result) is "2 years" and the depreciation rate determination (result) is "100.00%". , "666,667 (yen)" for the first year of depreciation and "333,333 (yen)" for the second year of depreciation.
Another specific example of the information stored in the calculation result DB 402 as the calculation result by the depreciation calculation unit 302 is as shown in FIG. 5B. 133,333 (yen)”, and the total depreciation amount over the entire period is “27,200,000 (yen)”.

FIG. 5C is a diagram showing a specific example of information stored in the calculation result DB 402 as the calculation result by the rent cost calculation unit 303 of the simulation unit 201. As shown in FIG.
In the example shown in FIG. 5C, the lessee (name of lessee R), monthly lease fee (gross), AM (asset management) fee, annual expenditure (vehicle inspection/maintenance), monthly fee for each of eight freight vehicles Calculation results for rental income (net), etc. are shown.
Specifically, as the first of the eight business-use cargo transportation vehicles that make up the products of the truck fund, the name of the lessee R is "Limited Company ○○ Transport" and the monthly lease fee (gross) is "100 ,000 (yen), AM fee is "5,000 (yen)", annual expenditure (vehicle inspection/maintenance) is "477,700 (yen)", monthly expenditure (vehicle inspection/maintenance) is "39,808 (yen)"", and the monthly rental income (net) is "50,192 (yen)".
In addition, the name of the lessee R is "Limited Company XX Transportation" and the monthly lease fee (gross) is "50,000 ( yen), AM reward is "2,500 (yen)", annual expenditure (vehicle inspection / maintenance) is "252,000 (yen)", monthly expenditure (vehicle inspection / maintenance) is "21,000 (yen)", monthly The calculation result shows that the rental income (net) is "24,000 (yen)".
FIG. 5C shows another specific example of the information stored in the calculation result DB 402 as the calculation result of the rent calculation unit 303. The total monthly lease payment (gross) is "671, 000 (yen)”.

FIG. 6 is a diagram showing a specific example of information stored in the calculation result DB 402 as a calculation result by the profit/loss calculation unit 304 of the simulation unit 201. As shown in FIG.
In the example shown in FIG. 6, the investment conditions, the cash flow, and the profit and loss statement (the amount of profit and loss of the truck fund) are shown as the calculation results of the profit and loss calculation unit 304 .
As the investment conditions, the investment amount, first year loss, second year loss, investment period, and final profit/loss (investor's profit/loss) are shown. Specifically, it shows that the final profit/loss (investor's profit/loss) is "103.87%". That is, in the example shown in FIG. 6, the investor I purchases (that is, invests in) the product of the truck fund, and finally obtains a dividend of 3.83% of the investment amount. Note that the first period (first year) in the examples of FIGS. 5 to 8 is "8 (months)" as shown in "Number of months until settlement of first year" in FIG. 5B .

The cash flow shown in FIG. 6 includes TK (anonymous partnership) investment amount, financing, lease fee (rental expenses), provisional consumption tax amount, consumption tax refund amount, vehicle sales amount (sales amount), vehicle purchase amount, expenses, Calculation results are shown for temporary payment consumption tax amount, consumption tax payment amount, loan repayment amount, TK (silent partnership) principal redemption amount, income and expenditure, and CF (cash flow) accumulated amount. The “TK (silent partnership) investment amount” refers to the investment amount by investor I. In addition, "loan" refers to borrowing from a financial institution. In other words, the funds to procure the commercial cargo transport vehicle are not limited to the capital invested by the investor I, but may be borrowed from a financial institution. As a result, the fund manager FM can provide the investor I with track fund products that consider the balance between funds and loans. Note that the calculation result considering the balance between the fund and the loan will be described later with reference to FIG.

As shown in FIG. 6, in the first period, the TK (silent partnership) investment amount is "30,000,000 (yen)", the loan amount is "0 (yen)", and the lease fee (rental expense) is "5 , 368,000 (yen)”, the temporary receipt consumption tax amount is “429,440 (yen)”, the consumption tax refund amount is “0 (yen)”, the vehicle sales amount (sales amount) is “0 (yen)”, The vehicle purchase amount is "27,200,000 (yen)", the cost is "4,528,000 (yen)", the provisional consumption tax amount is "2,538,240 (yen)", and the consumption tax payment amount is " 0 (yen)”, loan repayment amount of “0 (yen)”, TK (silent partnership) principal redemption amount of “0 (yen)”, income and expenditure of “1,531,200 (yen)”, CF (cash Flow) The calculation result that the accumulated amount is "1,531,200 (yen)" is shown.

Here, in the cash flow shown in FIG. 6, the lease fee (rental expenses) for the first period of “5,368,000 (yen)” is the sum of the monthly lease fees (gross) shown in FIG. 5C of “671,000 (yen)” for 8 months. Also, in the cash flow shown in FIG. 6, the sales amount of the vehicle in the fourth term "15,500,000 (yen)" matches the total sales price shown in FIG. 5A (that is, the sales price for 8 vehicles). . Also, in the cash flow shown in FIG. 6, the purchase price of the vehicle in the first term "27,200,000 (yen)" is the sum of the inclusion prices shown in FIG. 5A (ie, the inclusion price for eight vehicles). match.

As the profit and loss statement (profit and loss amount of the truck fund) shown in FIG. A profit amount and an accumulated profit amount are calculated.
Specifically, in the first period, the lease fee (rental expenses) is "5,368,000 (yen)" and the vehicle sales amount is "0 (yen)", so the total sales amount is "5 , 368,000 (yen)”. In addition, various expenses are "4,528,000 (yen)", borrowing interest is "0 (yen)", and depreciation is "18,133,333 (yen)", so the total cost is It is "22,661,333 (yen)". As a result, the calculation results show that the profit amount is "-17,293,333 (yen)" and the cumulative profit amount is "-17,293,333 (yen)".

Here, in the profit and loss statement shown in FIG. 6, the lease fee (rental expenses) “5,368,000 (yen)” for the first term is the total monthly lease fee (gross) “671,000 (yen)” shown in FIG. 000 (yen)” for eight months. Also, in the profit and loss statement shown in FIG. 6, the depreciation expenses for the first term “18,133,333 (yen)” is the total depreciation amount for the first year shown in FIG. depreciation amount for the vehicle).
Another specific example of information stored in the calculation result DB 402 as the calculation result by the profit/loss calculation unit 304 is as shown in FIG.

Here, looking at the transition of the amount of profit for each term in the income statement of FIG. 6, the amount of profit in the first term is "-17,293,333 (yen)" as described above. In the second term, the profit amount is "-3,581,667 (yen)" and the accumulated profit amount is "-20,875,000 (yen)". However, in the third period, the amount of profit turns positive and becomes "7,563,000 (yen)", and the cumulative amount of profit becomes "-13,312,000 (yen)". Furthermore, in the fourth term, the positive margin of the profit amount becomes large, reaching "14,425,000 (yen)", and the cumulative profit amount turns positive to "1,113,000 (yen)".
In this way, the products of the truck fund invest in trucks and other business-use cargo transportation vehicles that have a short service life. Depreciation expenses can be recorded largely in the early fiscal year such as. Therefore, according to the needs of the investor I, it is possible to determine a combination of a plurality of commercial cargo transportation vehicles to be invested.

A combination of results calculated by the simulation unit 201 is optimized by the product optimization unit 202 . As a result, a track fund product is completed in which the profit and loss amount of the track fund is the amount desired by the investor I.
Specifically, the product optimization unit 202 determines the above parameters, as well as the number, purchase amount, sales amount, depreciation cost, rental cost, and truck fund and the profit and loss of the investor I, the purchase and sales calculation unit 301, the depreciation calculation unit 302, the rent calculation unit 303, and the profit and loss calculation unit 304 are repeatedly executed. Then, based on the execution result, the content of the truck fund product is determined so that the profit and loss amount of the truck fund will be the amount desired by the investor I.

FIG. 7 is a diagram showing an example of the result of optimization by the product optimization unit 202 in this way.

FIG. 7A shows, as information on the truck fund products optimized by the product optimization unit 202, the number of commercial cargo transportation vehicles targeted for the truck fund, the vehicle purchase cost, the vehicle sales amount, the first year depreciation costs, and first-year rental costs are shown. Specifically, the optimum number of commercial cargo transportation vehicles covered by the truck fund is "8 (units)", and the vehicle purchase cost in that case is "27,200,000 (yen)". The sale price is 15,500,000 yen, the first year depreciation is 18,133,333 yen, and the first year rent is 5,368,000 yen. It is shown.

Here, the vehicle purchase cost “27,200,000 (yen)” shown in FIG. 7A matches the vehicle purchase amount in the first term in the cash flow shown in FIG. Also, the vehicle sales amount "15,500,000 (yen)" shown in FIG. 7A matches the vehicle sales amount in the fourth term in the cash flow and profit and loss statement shown in FIG. Also, the depreciation for the first year "18,133,333 (yen)" shown in FIG. 7A matches the depreciation for the first term in the profit and loss statement shown in FIG.

FIG. 7B shows an example of an optimized combination of a fund and a loan (loan from a financial institution) as a track fund product optimized by the product optimization unit 202 . Specifically, for each ratio of loans to the investment amount from investor I (hereinafter simply referred to as "loan ratio"), the first year loss amount, interest burden amount, principal repayment amount, investor investment amount, loan Amounts and first year loss rates are shown. For example, if the loan ratio is "0.00%", the first year loss amount is "-17,293,333 (yen)", the interest burden is "0 (yen)", and the principal repayment amount is " 0 (yen)”, the investor investment amount is “30,000,000 (yen)”, the loan amount is “0 (yen)”, and the first year loss rate, which is the ratio of the first year loss amount to the investor investment amount, is It is shown to be "-57.64%".
In addition, when the loan ratio is "10.00%", the investor's investment amount is "30,000,000 (yen)" and the loan amount is "3,000,000 (yen)". It is shown.

Here, the first-year loss amount "-17,293,333 (yen)" shown in FIG. 7B matches the first-year profit amount in the income statement shown in FIG. Also, the investor investment amount “30,000,000 (yen)” shown in FIG. 7B matches the TK (silent partnership) investment amount in the first term in the cash flow shown in FIG. 6 . Also, the depreciation for the first year "18,133,333 (yen)" shown in FIG. 7A matches the depreciation for the first term in the profit and loss statement shown in FIG.
By optimizing the combination of the results calculated by the simulation unit 201 by the product optimization unit 202, the track fund products that achieve the profit/loss amount of the track fund that the investor I desires. is completed. That is, in the example shown in FIGS. 5 to 8, the number of commercial cargo transportation vehicles is "8", the investment amount of investor I is "30,000,000 (yen)", and the amount of loss in the first year is A track fund product of "-17,293,333 (yen)" will be proposed to investor I.

FIG. 8 shows an example of vehicle information for eight commercial freight vehicles that make up the truck fund product optimized as described above.
As shown in FIG. 8, the vehicle information about the eight commercial cargo transportation vehicles includes the vehicle management number, vehicle photo, vehicle name, model year, manufacturer, and location of the user of the vehicle. The vehicle information shown in FIG. 8 can be viewed by the investor I and the borrower R using the investor terminal 2 and the borrower terminal 4 .

Although one embodiment of the present invention has been described above, the present invention is not limited to the above-described embodiment, and modifications, improvements, etc. within the range that can achieve the object of the present invention are included in the present invention. is.

For example, the hardware configuration shown in FIG. 2 is merely an example for achieving the object of the present invention, and is not particularly limited.

Also, the functional block diagrams shown in FIGS. 3 and 4 are merely examples and are not particularly limited. That is, it is sufficient that the information processing apparatus has a function capable of executing the above-described series of processes as a whole, and what kind of functional blocks are used to realize this function are particularly shown in the examples of FIGS. Not limited.

Also, the locations of the functional blocks are not limited to those shown in FIGS. 3 and 4, and may be arbitrary.
Also, one functional block may be composed of hardware alone, software alone, or a combination thereof.

When the processing of each functional block is to be executed by software, a program constituting the software is installed in a computer or the like from a network or a recording medium.
The computer may be a computer built into dedicated hardware. Also, the computer may be a computer capable of executing various functions by installing various programs, such as a server, a general-purpose smart phone, or a personal computer.

A recording medium containing such a program is not only composed of a removable medium distributed separately from the device main body in order to provide each user with the program, but also is preinstalled in the device main body and sent to each user. It consists of a provided recording medium, etc.

In addition, the condition for calculating the rent for the commercial cargo transport vehicle by the rent cost calculation unit 303 is not limited to one. The rental cost calculation unit 303 can calculate for each condition set in the calculation of the rental cost of the commercial cargo transportation vehicle.
For example, the rental cost of the vehicle can be calculated based on the amount of consideration obtained when the lessee R provides a predetermined service using a commercial cargo transportation vehicle.
As a result, the fund manager FM can lease the business cargo transportation vehicle and provide (intermediate) the lessee R with a specific cargo transportation business itself using the business cargo transportation vehicle.

In addition, the t commercial cargo transportation vehicles to be leased by the truck fund include a towing vehicle that can be separated into a tractor (a towing vehicle including the driver's seat) and a trailer (a towed vehicle such as a cargo bed and passenger car). can include
Here, since the trailer can be depreciated in the same manner as a driving vehicle such as a truck or a tractor, the investor I can enjoy the merits of depreciation described above.
In addition, since the trailer has a characteristic of being less likely to break down than the driving vehicle, it has the advantage that the running cost is lower than that of the driving vehicle. Furthermore, it has the advantage that the price drop at the time of sale is smaller than that of the drive vehicle. For this reason, it is also possible to utilize a method of actively including trailers in the investment targets of the truck fund, for example by increasing the number of trailers per tractor.
This makes it possible to easily and simply create fund products that further optimize the profits and losses of the investor I, the fund manager FM, the track fund, and the borrower R.

Further, in the above-described embodiment, vehicles targeted for products of the truck fund are used vehicles, but are not limited to used vehicles. New vehicles can also be targeted for truck fund products. Even in this case, vehicles have a shorter service life than real estate, so they can enjoy certain benefits from depreciation.
In addition, if the vehicle targeted for the truck fund product is a new vehicle, investor I can enjoy the same benefits as a used vehicle by procuring funds from the fund and by procuring funds from a loan. can be done.
In general, new cars have a longer service life than used cars, so they are less likely to benefit from depreciation than used cars. This is because the ratio of depreciation can be increased.

Further, in the above-described embodiment, the fund manager FM purchases a commercial cargo transport vehicle, concludes a vehicle sales contract, a vehicle lease contract, and an asset management contract with the truck fund. A freight vehicle is rented and leased to Lessee R.
However, without being limited to the above-described embodiment, the truck fund may directly purchase a commercial cargo transportation vehicle and lease it to the lessee R.

In summary, the information processing apparatus to which the present invention is applied only needs to have the following configuration, and can take various embodiments.
That is, the information processing apparatus to which the present invention is applied is
History information including vehicle type, elapsed years, purchase amount of t vehicles (t is an integer value of 1 or more), including at least parameters (t is an integer value of 1 or more), and sales after a predetermined period of time a purchase/sales amount calculation unit (for example, the purchase/sales amount calculation unit 301 in FIGS. 3 and 4) that calculates the amount;
The person who purchased each of the t vehicles (for example, fund manager FM in FIGS. 1 and 3) is the lender, and each of the t vehicles is purchased by a predetermined borrower (eg, borrower R in FIGS. 1 and 3). A rent cost calculation unit (for example, the rent cost calculation unit 303 in FIGS. 3 and 4) that calculates the rent cost when renting under a lease contract for
An investor (e.g., figure 1 and the amount of profit and loss of investor I) in FIGS.
By changing the combination of the parameter and the t units, the purchase amount, the sales amount, the rental fee, the lender's profit and loss, and the investor's profit and loss, the purchase sales amount calculation unit, the rental cost calculation unit, and a product optimization that repeatedly executes each process of the profit and loss calculation unit, and determines the content of the product of the fund based on the execution results so that the profit and loss amount of the lender is the amount desired by the investor. an optimization unit (e.g. product optimization unit 202 in FIGS. 3 and 4);
Prepare.
As a result, it is possible to easily and simply create fund products in which the profit and loss of each of the lender, the investor, and the borrower are optimized. In other words, it is possible to provide investors with fund products that are excellent in investment returns, supply and demand balance, and stability in trading prices.

Further, further comprising a depreciation calculation unit (for example, the depreciation calculation unit 302 in FIGS. 3 and 4) that calculates the depreciation cost of each of the t vehicles,
The profit and loss calculation unit further
Based on the rental expenses, the depreciation expenses, the purchase amount, and the sales amount, each of the profit and loss amount of the lender and the profit and loss amount of the investor who purchases the product of the fund is calculated. ,
The product optimization department further
By changing the combination of the parameter and the t units, the purchase amount, the sales amount, the depreciation cost, the rental fee, the lender's profit and loss, and the investor's profit and loss, the purchase and sales amount calculation unit, Each process of the depreciation calculation unit, the rent calculation unit, and the profit and loss calculation unit is repeatedly executed, and based on the execution results, the profit and loss amount of the lender is the amount desired by the investor, The product content of the fund may be determined.
As a result, it is possible to easily and simply create fund products in which the profit and loss of each of the lender, the investor, and the borrower are optimized. In other words, it is possible to provide investors with fund products in which investment targets are excellent in investment returns, supply-demand balance, and trading market stability, and in which profit and loss desired by investors can be recorded.

The product optimization unit further
Based on the amount of funds procured by the lender through loans and the amount of funds procured by selling the products of the fund, the profit and loss amount of the lender is the amount desired by the investor, The combination of the loan and the fund can be optimized.
As a result, it is possible to provide investors with fund products in which the balance between funds and loans is taken into consideration.

Also, at least some of the t vehicles may include a towing vehicle that can be separated into a tractor and a trailer.
In other words, trailers (cargo beds and passenger cars) can be depreciated in the same way as trucks and tractor driving vehicles, and because they are less likely to break down than driving vehicles, running costs (expenses) are low, and at the time of sale small price drop. Therefore, by making good use of the trailer as an investment object, it is possible to easily and simply create a fund product that further optimizes the profits and losses of the lender, the investor, and the borrower.

In addition, the rental cost calculation unit further
The rental cost of the vehicle can be calculated based on the amount of consideration obtained when the lessee uses the vehicle to provide a predetermined service.
As a result, the fund manager FM (and the truck fund) rents the commercial cargo transport vehicle and provides (intermediates) the specific cargo transportation business itself using the commercial cargo transport vehicle to the lessee R. be able to.

Also, the vehicle may be a vehicle for carrying passengers.
As a result, it is possible to provide products of the fund targeting not only vehicles for transporting cargo as in the above-described embodiment, but also vehicles such as buses for carrying passengers.

In this specification, the steps of writing a program recorded on a recording medium are not only processes performed chronologically in that order, but also processes performed in parallel or individually. It also includes the processing to be performed.

Further, in this specification, the term "system" means an overall device composed of a plurality of devices, a plurality of means, or the like.

1 Service providing server 2, 2-1, 2-n Investor terminal 3, 3-1, 3-m Seller terminal 4, 4-1, 4-p Borrower terminal 11 CPU
12 ROM
13 RAM
14... bus 15... input/output interface 16... output section 17... input section 18... storage section 19... communication section 20... drive 30... removable medium 201... - Simulation part 202... Product optimization part 203... Profit and loss calculation part 301... Purchase sales amount calculation part 302... Depreciation calculation part 303... Rental cost calculation part 304... Profit calculation part 401... Vehicle DB
402 Calculation result DB
FM... Fund manager M... Manager I, I-1, In... Investor S, S-1, S-m... Seller R, R-1, R-p... Borrower N・・・ Network

Claims (7)

A fund that purchases t vehicles (t is an integer value of 1 or more) from a seller and concludes a vehicle sales contract and a vehicle lease contract for the t vehicles with a predetermined person who leases them to a lessee. , Information processing for acquiring product content candidates for a fund that obtains a profit based on the vehicle lease contract and the sale of the t vehicles after the lapse of a predetermined period and distributes dividends to investors using the profit as a source a system,
a purchase/sale price calculation unit that calculates the purchase price of the t vehicles and the sale price after the elapse of the predetermined period using parameters related to the vehicle;
a lease fee calculation unit that calculates a lease fee when each of the t vehicles is leased to the lessee;
a depreciation calculation unit that calculates depreciation for each of the t vehicles;
a profit and loss calculation unit that calculates the profit and loss of the fund and the profit and loss of the investor based on the lease fee, the purchase price, the sale price, and the depreciation cost;
Each of the purchase/sales amount calculation unit, the lease fee calculation unit, the depreciation calculation unit, and the profit/loss calculation unit is executed a plurality of times, and the parameters, the purchase price, the sale price, and the lease a product content candidate acquisition unit that acquires a plurality of product candidates of the fund indicated by the investment conditions, cash flow, and profit and loss statement by changing the combination of the premium, the depreciation cost, and the profit and loss;
An information processing system comprising The investment conditions include the investment amount by the investor, the loss for each fiscal year within the predetermined period for the investor, and the final profit and loss,
The information processing system according to claim 1. The cash flow includes the investment amount of the fund, the lease fee, the sale amount, and the purchase amount,
The information processing system according to claim 1. The profit and loss statement includes the sales including the lease fee and the sales amount, the expenses including the depreciation expenses, and the profit amount and cumulative profit calculated based on the sales and the expenses,
The information processing system according to claim 1. The vehicle is a commercial freight vehicle,
The information processing system according to claim 1. A fund that purchases t vehicles (t is an integer value of 1 or more) from a seller and concludes a vehicle sales contract and a vehicle lease contract for the t vehicles with a predetermined person who leases them to a lessee. , Information processing for acquiring product content candidates for a fund that obtains a profit based on the vehicle lease contract and the sale of the t vehicles after the lapse of a predetermined period and distributes dividends to investors using the profit as a source An information processing method executed by a system, comprising:
a purchase/sales amount calculation step of calculating the purchase amount of the t vehicles and the sales amount after the predetermined period of time has elapsed using parameters relating to the vehicle;
a lease fee calculation step of calculating a lease fee when each of the t vehicles is leased to the lessee;
a depreciation calculation step of calculating depreciation of each of the t vehicles;
a profit and loss calculation step of calculating the profit and loss of the fund and the profit and loss of the investor based on the lease fee, the purchase amount, the sale amount, and the depreciation cost;
each of the purchase/sales amount calculation step, the lease fee calculation step , the depreciation calculation step, and the profit/loss calculation step is executed a plurality of times, and the parameters, the purchase price, the sales price, and the lease a product content candidate acquisition step of acquiring a plurality of product candidate products of the fund indicated by the investment conditions, cash flow, and income statement by changing the combination of the fee, the depreciation cost, and the profit and loss;
Information processing method including. A fund that purchases t vehicles (t is an integer value of 1 or more) from a seller and concludes a vehicle sales contract and a vehicle lease contract for the t vehicles with a predetermined person who leases them to a lessee. , a computer that acquires product content candidates for a fund that obtains a profit based on the vehicle lease contract and the sale of the t vehicles after the lapse of a predetermined period and distributes dividends to investors using the profit as a source ,
a purchase/sales amount calculation step of calculating the purchase amount of the t vehicles and the sales amount after the predetermined period of time has elapsed using parameters relating to the vehicle;
a lease fee calculation step of calculating a lease fee when each of the t vehicles is leased to the lessee;
a depreciation calculation step of calculating depreciation of each of the t vehicles;
a profit and loss calculation step of calculating the profit and loss of the fund and the profit and loss of the investor based on the lease fee, the purchase amount, the sale amount, and the depreciation cost;
each of the purchase/sales amount calculation step, the lease fee calculation step , the depreciation calculation step, and the profit/loss calculation step is executed a plurality of times, and the parameters, the purchase price, the sales price, and the lease a product content candidate acquisition step of acquiring a plurality of product candidate products of the fund indicated by the investment conditions, cash flow, and income statement by changing the combination of the fee, the depreciation cost, and the profit and loss;
A program that executes control processing including

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