JP2006146696A - Business portfolio simulation system and data input method thereof - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable a local government or a private company that performs a PFI business to perform a business portfolio simulation related to a business evaluation considering various risks and a risk management of the entire business life cycle.
A business plan of each of a plurality of businesses is expressed by a profit and loss calculation unit 1 indicating a balance and a balance unit 2 indicating assets, and a scenario for responding to a risk event is set in a scenario unit 3 for each business. Correlation data indicating the effect of the countermeasure for the risk event on the profit and loss calculation section and / or the balance calculation section, and the countermeasure for the risk event in the scenario section 3 of another business Including either or both of business correlation data indicating the impact on the computer, operating the computer to simulate each business according to the scenario, and based on the correlation data and the business correlation data, the business Use programs that are configured to change plans and other business scenarios.
[Selection] Figure 1

Description

  The present invention relates to a business portfolio simulation system and a data input method thereof in order to meet the risk management needs due to the spread of PFI (Private Financial Initiative).

  In recent years, PFI, which is a method for entrusting a public project carried out by a national or local government to the private sector from planning to operation, has been spreading. A private company is not in the position of a contractor as in the past, but needs to be involved in all life cycle processes from facility planning to financing, design, construction, maintenance, and operation, taking into account various risks. The importance of risk assessment for business evaluation and business life cycle is pointed out. Assuming that the PFI is expected to be advanced in the future, there may be a case where the PFI is applied to a plurality of mutually related businesses, that is, a business portfolio. Therefore, it is considered that there is a need to conduct business evaluation that considers various risks as a business portfolio and risk assessment of the entire business life cycle.

  Non-Patent Document 1 discloses a technology for inputting a business scenario and a cost structure of a business and performing a business evaluation simulation for a single business.

Financial Models Using Simulation and Optimization, Second edition (Author: Waine Winston, Publisher: Palisade Corporation, Year 2000) Chapter 40: Using Precision Tree to analyze Decision Trees.

  In the above prior art, a business plan cannot be clearly handled when performing a business evaluation simulation. In addition, the business plan could not be changed in response to the expected risk events. In addition, when multiple different businesses are interrelated, the situation could not be handled as if a risk event that occurred in one business affects other businesses. Therefore, it was not possible to simulate the impact of risk events occurring in one business on other businesses.

  This is because there is a lack of a data input model effective for combining the business plan and business scenario expressed in the financial statements for the business portfolio.

  It is an object of the present invention to enable a business portfolio simulation related to business evaluation in consideration of various risks and risk management of the entire business life cycle in a local government or a private company that performs a PFI business.

  The above problem can be solved by expressing the business plan using a profit and loss calculation list or a balance calculation list, and reflecting the business scenario in the business plan and taking into consideration the inter-business correlation scenario of the business portfolio.

  Specifically, the business plans of each of the multiple businesses that make up the business portfolio are represented by a profit and loss calculation list that shows the income and expenditure and a balance calculation list that shows the assets. A business portfolio simulation system for simulating a business with a computer, wherein the scenario includes correlation data indicating an association with at least a part of input data of the profit / loss calculation list and / or balance calculation list. The simulation program is configured to change the input data of the profit / loss calculation list and / or the balance calculation list based on the correlation data.

  According to the above configuration, the business plan of each of the multiple businesses that make up the business portfolio is expressed by a profit and loss calculation list showing the balance of payments and a balance calculation list showing assets, and the simulation is performed according to the scenario set for each business. Executed. The scenario includes the probability of occurrence of a risk event and the influence on the business plan associated with the risk event as correlation data, and the change status of the business plan can be known by performing simulation according to the set scenario.

  Furthermore, a scenario of a certain business includes inter-business correlation data indicating a relationship with a scenario set for another business, and a simulation program is set for the other business based on the inter-business correlation data. By changing the input data of the selected scenario and executing the simulation of the other business, how the event that occurred in one of the related businesses affects the business plan of the other business Can know.

  As a specific configuration of the scenario section, for each business, one start node indicating the start of a scenario, a child node of the start node, at least a pair of probability branch nodes indicating a branch of the scenario, and at least A decision node arranged as a child node of one of the probability branch nodes, and an end point indicating the end of the scenario arranged as a child node of a probability branch node in which the decision node and the decision node are not arranged as child nodes A node, and one of the pair of probability branch nodes displays a probability that a risk event will occur in the business, and the other one displays a probability that the risk event does not occur, The decision-making node determines whether the countermeasure for the risk event is the profit / loss calculation list or balance calculation list or A correlation data indicating the effect on both, shall receive either or both of the countermeasures business correlation data showing the effect on the scenario of the other business to the risk event.

  An identification code is set for each of the start node, the probability branch node, the decision making node, and the terminal node, and each of the probability branch node, the decision making node, and the terminal node is assigned the identification code of a node that is a parent node of the node. It is desirable to define a parent-child relationship.

  In addition, when inputting data in the business portfolio simulation system, the profit / loss calculation list, balance calculation list and scenario are input using a spreadsheet, and the profit / loss calculation list, balance calculation list and scenario in the spreadsheet are input. It is desirable to display a start symbol and an end symbol indicating the division of business and the type of data at the diagonal positions of the respective input data areas. In this way, by displaying the start symbol and the end symbol at positions diagonal to the input data area, the profit / loss calculation list, balance calculation list, and scenario input when inputting data using a spreadsheet are input. The data area is limited and clear.

  According to the present invention, it is possible to perform business portfolio simulation and risk management simulation for the entire business life cycle in consideration of various risks in local governments and private companies that conduct PFI business.

  Hereinafter, an embodiment in which the present invention is applied to a business portfolio composed of three businesses, business A, business B, and business C, and business portfolio simulation is performed will be described with reference to the drawings. The business portfolio simulation system according to the present embodiment includes a plurality of businesses represented by data input to a profit / loss calculation list (hereinafter referred to as profit / loss calculation section) 1 and a balance calculation list (hereinafter referred to as balance section) 2. 7 is used for simulating how the plan fluctuates depending on the scenario input to the scenario unit 3 corresponding to each business plan. The apparatus shown in FIG. 7 is used.

  The apparatus shown in FIG. 7 includes an input unit 100 to which data of the profit / loss calculation unit 1, the balance unit 2 and the scenario unit 3 are input, an arithmetic unit 200 connected to the input unit 100 and executing a simulation, and an arithmetic unit 200, the storage means 300 for storing the data of the profit / loss calculation unit 1, the balance unit 2, and the scenario unit 3 input by the input unit 100, and the calculation result of the calculation unit 200 connected to the calculation unit 200 That is, it includes an output unit 400 that outputs a simulation result. The output means 400 is capable of both screen display and print output, and an input screen when data is input by the input means 100 is also displayed. The arithmetic means 200 stores a simulation program for sequentially inputting data for simulation, storing it, executing the simulation, and outputting the simulation result.

  In this embodiment, a keyboard and a mouse are used as the input unit 100, a liquid crystal display and a printer are used as the output unit 400, and a personal computer is used as the calculation unit 200. As the storage means 300, a hard disk drive built in a personal computer was used.

  FIG. 1 shows the relationship between a business plan of each business constituting the business portfolio according to the embodiment of the present invention and a scenario indicating the contents of simulation. In this embodiment, the business plan of each business is expressed by two data of the profit and loss calculation unit 1 and the balance unit 2, and the contents of the simulation are expressed by the scenario unit 3. Profit and loss calculation section 1 describes the items related to income and expenditure in the business and the amount corresponding to the item, and the sum of the amounts with positive and negative signs of income is the profit before tax It is. The balance section 2 describes the amount of capital and borrowings in the business, and the total amount is the total assets. The scenario part 3 shows how the external factors that may occur in the near future are assumed and how to respond to the fluctuations. For example, if the sales are less than planned or the manufacturing equipment breaks due to an earthquake, A response will be shown when interest rates rise or major external factors fluctuate, and simulations will be performed in accordance with the indicated matters. The data of the profit and loss calculation unit 1 and the balance unit 2 input from the input unit 100 indicate the initial business plan of each business, and the output unit 400 outputs the data changed by the simulation.

  With reference to FIG. 1, the configuration of input data of the profit and loss calculation unit 1, the balance balance unit 2, and the scenario unit 3 for each business of the portfolio composed of three businesses A, B, and C, and their mutual relationship will be described.

  Businesses A, B, and C are the profit and loss calculation unit 1, the balance unit 2 connected to the profit and loss calculation unit 1 by an arrow 4, and the scenario unit connected to the profit and loss calculation unit 1 and the balance unit 2 by an arrow 5, respectively. It is expressed by 3. Further, the scenario sections 3 of the respective businesses are connected to each other by arrows 6.

  An arrow 4 extending from the profit / loss calculation unit 1 to the balance unit 2 indicates data dependency in a sense that the balance unit 2 changes to reflect the result of the profit / loss calculation unit 1. For example, when the profit / loss calculation unit 1 obtains a positive net profit, the amount is added to the capital of the balance unit 2.

  The arrow 5 extending from the scenario part 3 to the profit / loss calculation part 1 and the balance part 2 indicates the business scenario represented by the scenario part 3, that is, the business environment corresponding to the originally planned profit / loss calculation part 1 and balance part 2 Reflecting the story showing how changes occur, the dependency of data in the sense that the contents of the profit and loss calculation section 1 and balance section 2 based on the original business plan will change is shown. For example, in a scenario where a sudden decrease in sales occurs, the profit of the profit / loss calculation unit 1 decreases. In a scenario where a new borrowing is performed, the borrowing amount of the balance balance unit 2 is increased.

  Further, an arrow 6 connecting different businesses indicates data dependency in a sense that a scenario of a certain business changes to a scenario of another business. For example, if the sales of one business increase, the sales of another business that has a business relationship also increase.

  Hereinafter, the configuration of input data of the profit and loss calculation unit 1, the balance unit 2 and the scenario unit 3 and their relationship will be described. In this embodiment, a spreadsheet is used for data input.

  First, regarding the profit and loss calculation unit 1, input data of the profit and loss calculation unit 1 related to the business A will be described with reference to FIG. In FIG. 2, the range of the profit / loss calculation section input data is an area sandwiched diagonally between the profit / loss start symbol 7A and the profit / loss end symbol 8A on the spreadsheet. The profit / loss start symbol 7A and the profit / loss end symbol 8A also indicate the business category 9. The division of business here is another of business A, B, and C. By this method, it is possible to clearly indicate the division of business and the type of data, and to indicate the area in which the data is to be input on the spreadsheet displayed on the input screen.

  Items described in the profit and loss calculation unit 1 are items 10 of income and expenditure indicating the balance of business execution, and for each item, a positive sign 11 is designated for income and a negative sign 11 is designated for expenditure. Since the sum of all items is the profit before tax, the items in question need to be described without omission. When using detailed items, an input data area sandwiched diagonally by the profit / loss start symbol 7A and the profit / loss end symbol 8A is made large in the vertical direction. In addition, a model 12 and a standard deviation 13 are designated in order to model each item in a stochastic process. The mold 12 is distinguished by, for example, C being a constant, B being a brown process, and G being a geometric brown process. These input items are input from the start time (up 16 in FIG. 2) to the end time (down 17 in FIG. 2) of the business plan. When inputting a long-term business plan, an input data area sandwiched diagonally by the profit / loss start symbol 7A and the profit / loss end symbol 8A is set large in the horizontal direction.

  Next, the balance sheet input data for the business A will be described with reference to FIG. In FIG. 3, the range of the balance balance unit input data is an area sandwiched diagonally by the loan start symbol 7B and the loan end symbol 8B. The loan start symbol 7B and the loan end symbol 8B also indicate the business category 9. By this method, it is possible to clearly indicate the division of business and the type of data, and to indicate the area in which the data is to be input on the spreadsheet displayed on the input screen. The items described in the balance section 2 are items 14 corresponding to debts, capitals, or assets in so-called balance sheets such as borrowings and shareholders' equity, and specify classification 15 that distinguishes capital and borrowings for each item. . Since the sum of all items is the total amount of assets, make sure that no items are missing.

  Further, the scenario unit 3 will be described with reference to FIG. In FIG. 4, the range of the scenario part input data is an area sandwiched diagonally by the scenario start symbol 7C and the scenario end symbol 8C. The scenario start symbol 7C and the scenario end symbol 8C also indicate the division 9 of the business. By this method, it is possible to indicate the division of business, the type of data, and the data input area.

  The simulation scenario of this embodiment is defined by a combination of a start node indicating the start of the scenario, a probability branch node indicating the occurrence of the risk event, a decision node indicating the decision on the risk event, and a terminal node indicating the end of the scenario. Scenarios are branched sequentially depending on whether or not a risk event has occurred and the response to the generated risk, and the end is displayed at each end node. That is, for each business, the scenario unit 3 in the present embodiment is arranged as one start node 19 indicating the start of a scenario, a child node of the start node 19, and at least a pair of probability branch nodes 20a indicating a branch of the scenario. , 20b, decision nodes 21a, 21b arranged as child nodes of the probability branch node 20a, and child nodes of the probability branch node 20b where the decision nodes 21a, 21b and the decision nodes are not arranged as child nodes And terminal nodes 22a, 22b, and 22c that indicate the end of the scenario, and one of the pair of probability branch nodes displays the probability that a risk event will occur in the business.

  In the example shown in FIG. 4, the scenario started at the start node 19 is first divided into a probability branch node 20a with a risk event and a probability branch node 20b with no risk event depending on whether or not a risk event has occurred. 1 is divided into a decision-making node 21a that adopts 1 and a decision-making node 21b that adopts countermeasure 2. The scenario that proceeds to the decision making node 21a is displayed as terminated at the termination node 22a, and the scenario that proceeds to the decision making node 21b is displayed as terminated at the termination node 22b. In the scenario of proceeding to the probability branch node 20b without a risk event, the end is displayed at the end node 22c without passing through the decision making node.

  It is necessary to define how each node is connected to the scenario part composed of such nodes. In the present embodiment, a business scenario is input by specifying a parent-child relationship in which the preceding node is a parent node and the succeeding node is a child node among the two connected nodes. Here, the parent-child relationship of each node is specified by setting an address 23 for each node and setting a parent node address 24 for the child node.

  In the case of FIG. 4, the address of the start node 19 is # 1, the probability branch node 20a that is a child node thereof is the address # 2, and the probability branch node 20b that is also a child node of the start node 19 is the address # 3. Each of the parent node addresses 24 of the probability branch node 20a and the probability branch node 20b is set with the address # 1 of the start node 19 which is the parent node, and the parent nodes of the probability branch node 20a and the probability branch node 20b. Is a start node 19. Further, the parent node address 24 of the decision making node 21a and the decision making node 21b is set with the address # 2 of the probabilistic branch node 20a that is the parent node. The end of all scenarios is specified by the end nodes 22a, 22b and 22c, and the parent node addresses 24 of the end nodes 22a, 22b and 22c are set with addresses # 3, # 4 and # 5, respectively. It is defined that the parent nodes of the nodes 22c, 22a, and 22b are the probability branch node 20b, the decision making node 21a, and the decision making node 21b.

  In this embodiment, the address is used to define the parent-child relationship of each node. However, the address is not necessarily limited as long as it can be used as an identification code.

  The arrow 27 connecting each node is created according to the parent-child relationship of each node specified by the above method, and may be automatically created by a simulation tool. In addition, a comment 25 may be attached to the nodes other than the start node 19 as necessary. The comment 25 is irrelevant to the program that executes the simulation, and is a so-called memo of the scenario input person.

  In the probability branch nodes 20a and 20b, the probability 26 is designated so that the total probability of both branches is 100%. In the example shown in FIG. 4, the probability of proceeding to the probability branch node 20a with a risk event is 3%, and the probability of proceeding to the probability branch node 20b without a risk event is 97%.

  Next, a method of combining the profit / loss calculation unit 1 or the balance unit 2 and the scenario unit 3 for reflecting the business scenario in the business plan will be described with reference to FIG. In FIG. 5, the combination of the profit / loss calculation unit 1 and the scenario unit 3 is shown, but the balance unit 2 and the scenario unit 3 may be combined in the same way.

  FIG. 5 shows an example in which the profit / loss calculation unit 1 shown in FIG. 2 and the scenario unit 3 shown in FIG. 4 are combined. In business A, when a risk event occurs, two countermeasures, Countermeasure 1 and Countermeasure 2, are assumed, with Countermeasure 1 expected to cost 500,000 and Countermeasure 2 expected to be 1,000,000 respectively. ing. In order to express this in the scenario part 3, a reference address 28 and a correction value 29 are input as correlation data to each decision making node. Address # 6 on the top 16 of the risk event countermeasure cost of profit / loss calculation unit 1 is input to reference address 28 of 21a, and the amount 500,000 is input to correction value 29. Similarly, in scenario 2 in which countermeasure 2 is performed, address # 6 on the top 16 of the risk event countermeasure cost of profit / loss calculation unit 1 is input to reference address 28 of decision making node 21b, and the amount of money 1,000 is set to correction value 29. , 000 is input. In scenario 3 proceeding to the probability branch node 20b, no risk event is assumed, so no countermeasure is required, and the terminal node 22c is reached without a decision making node.

  In the simulation, scenarios 1 and 2 in which the correction value 29 is added to the data of the address specified by # 6 of the reference address 28, that is, the data in the upper frame of the risk event countermeasure cost 16 of the profit / loss calculation unit 1, and the correction value 29 Is performed for scenario 3 in which no consideration is given, and a result for each scenario and a total result calculated by weighting the result for each scenario according to the probability of occurrence of a risk event are output. In the example of FIG. 5, the decision nodes 21a and 21b refer to the address # 6 of the profit / loss calculation unit 1, and the corrected value of scenario 1 for performing measure 1 is 500,000, and the corrected value of scenario 2 for performing measure 2 is 1. , 000,000. The arrow 30 drawn from the decision making nodes 21a and 21b to the profit / loss calculation unit 1 may be automatically created by a simulation tool.

  In this way, a business scenario can be obtained by referring to data belonging to the profit and loss calculation section or balance section of the same business from a decision making node belonging to the scenario section of one business and giving a corrected value to the data. Can be reflected in the business plan and simulated.

  Next, a method for combining two related business scenarios will be described with reference to FIG. FIG. 6 shows an example in which the probability of occurrence of a risk event assumed in business A varies due to measures taken to respond to the risk event that occurred in business C.

  The scenario part 3 of the business A is the same as that shown in FIG. The scenario part 3 of the business C that affects the business A has a probability of occurrence of an assumed risk event of 30%, and in order to respond to this risk event, the scenario 1 and the measure 2 in which the measure 1 is taken Scenario 2 and scenario 3 where no risk event occurs and therefore no countermeasure is required. When measures 1 and 2 are executed for the occurrence of risk events in business C, the probability of the occurrence of risk events in business A is 5% due to the effects of measures 1 and 2, and measures 2 Each increase by 8%.

  The scenario part 3 of the business C is divided from the start node 19 into a probability branch node 20a with a risk event and a probability branch node 20b without a risk event. The probability branch node 20a is divided into a decision node 21a that performs countermeasure 1 and a decision node 21b that performs countermeasure 2, and the scenario divided into the probability branch node 20b has no decision node because no countermeasure is taken.

  Refer to the decision making node 21a that implements measure 1 and the decision making node 21b that implements measure 2 as correlation data related to the profit and loss calculation unit 1 and / or the balance unit 2 of business C by performing measure 1 and measure 2. The address 28 and the correction value 29 are input, and the reference address 28 and the correction value 29 are input as inter-business correlation data to the scenario section 3 of another business (business A). In FIG. 6, for simplicity of explanation, the reference address 28 and the modified value 29 that are correlation data related to the profit / loss calculation unit 1 and / or the balance unit 2 of the business C are omitted.

  In the example of FIG. 6, the address # 12 of the probability branch node 20a of the business A is set to the reference address 28 of the decision making node 21a of the business C, and the correction value 29 for the data (3%) of the reference address 28 is 5 %, The address # 12 of the probabilistic branch node 20a of the business A is set to the reference address 28 of the decision making node 21b, and 8% is input as the correction value 29 for the data (3%) of the reference address 28. Yes.

  The simulation is performed for a scenario in which the correction value 29 is added to the data at the reference address 28. The decision making node 21a of the business C refers to the data at the reference address 28, and adds 5% to the set value 3%. The decision making node 21b of the business C refers to the data at the reference address 28, and adds the corrected value 8% to the set 3%. The correction value 29 is subtracted from the probability of another probabilistic branch node forming a set in accordance with the branch probability obtained by adding the correction value 29 to the address # 12.

  The simulation of the business C is executed based on the reference address and the correction value not described, and the simulation of the business A is executed based on the risk event occurrence probability after the addition (and subtraction) of the correction value. That is, the effect of risk events occurring in business C on business A is reflected in the simulation.

  The arrow 31 drawn from the decision making node 21 of the business C to the probability branching node 20 of the business A may be automatically created by a simulation tool.

  In this way, the decision node belonging to the scenario part of one business (business C) refers to the probability of the probability branch node belonging to the scenario part of another business (business A) and the correction value data of the decision node. Thus, it is possible to input a business correlation scenario by giving a correction value to be added or subtracted to the probability or the correction value data.

  In the example shown in FIG. 5, the decision-making nodes 21a and 21b show one address of the input data of the profit / loss target unit 1 and a correction value for the data at the address. You may make it set the correction value with respect to each address and the data of the address.

  As described above, according to the present embodiment, the input of the basic plan of the business using the profit and loss calculation list and the balance calculation list, the reflection of the business scenario in the business plan, and the inter-business correlation scenario of the business portfolio are considered. Therefore, it is possible to perform business portfolio simulation related to business evaluation in consideration of various risks and risk management of the entire business life cycle in local governments and private companies that conduct PFI business.

It is a conceptual diagram which shows the correlation of the input data in the business portfolio simulation which concerns on embodiment of this invention. It is a figure which shows the example of the input screen of the profit and loss calculation part which concerns on embodiment of this invention. It is a figure which shows the example of the input screen of the balance part which concerns on embodiment of this invention. It is a figure which shows the example of the input screen of the scenario part which concerns on embodiment of this invention. It is a conceptual diagram which shows the procedure which implement | achieves the influence of the business scenario on a business plan using the input screen which concerns on embodiment of this invention. It is a conceptual diagram which shows the procedure which implement | achieves the influence of the business scenario between different businesses using the input screen which concerns on embodiment of this invention. It is a block diagram which shows the principal part structure of the business portfolio simulation system which concerns on embodiment of this invention.

Explanation of symbols

19 Start node 20a, 20b Stochastic branch node 21a, 21b Decision node 22a, 22b, 22c End node 23 Address of each node 24 Parent node address 25 Comment 26 Probability 27 Arrow 28 Reference address 29 Correction value

Claims (5)

  Represent the business plans of multiple businesses that make up the business portfolio with a profit and loss calculation list that shows income and expenditure and a balance calculation list that shows assets, and simulate each business with a computer according to the scenario set for each business The business portfolio simulation system, wherein the scenario includes correlation data indicating a relationship with at least a part of input data of the profit / loss calculation list or the balance calculation list or both, and the simulation program includes: A business portfolio simulation system configured to change input data of the profit / loss calculation list and / or balance calculation list based on the correlation data.   2. The business portfolio simulation system according to claim 1, wherein a scenario set for a certain business includes inter-business correlation data indicating a relationship with a scenario set for another business, and the simulation program includes the business program. A business portfolio simulation system configured to execute simulation of another business by changing input data of a scenario set for the other business based on inter-correlation data.   3. The business portfolio simulation system according to claim 1, wherein the scenario unit is arranged as one start node indicating the start of a scenario and a child node of the start node for each business, and indicates at least a branch of the scenario. A pair of probability branch nodes, a decision node arranged as a child node of at least one of the probability branch nodes, and a child node of a probability branch node in which the decision node and the decision node are not arranged as child nodes And an end node indicating the end of the scenario, one of the pair of probability branch nodes indicates a probability that a risk event will occur in the business, and the other one does not generate the risk event Probabilities, and the decision making node responds to the risk event. Correlation data indicating the effect of the policy on the profit and loss calculation list and / or balance calculation list and / or inter-business correlation data indicating the effect of the countermeasure to the risk event on the scenario part of other business or A business portfolio simulation system characterized by displaying both.   4. The business portfolio simulation system according to claim 3, wherein an identification code is set for each of the start node, the probabilistic branch node, the decision-making node, and the terminal node, and the probability branch node, the decision-making node, and the terminal node include the corresponding node. A business portfolio simulation system, wherein a parent-child relationship is defined with the identification code of a node that is a parent node of The business plan of each of the multiple businesses that make up the business portfolio is represented by a profit and loss calculation list showing the balance and a balance calculation list showing assets, and each business is simulated according to a scenario set for each business. The scenario is configured to include correlation data indicating an association with at least a part of input data of the profit / loss calculation list and / or the balance calculation list or both, and the program includes: In the data input method of the business portfolio simulation system configured to change the input data of the profit / loss calculation list and / or the balance calculation list based on the correlation data, the profit / loss calculation list, the balance calculation list And scenarios are spray A start symbol and an end symbol indicating the business category and data type are entered at the diagonal positions of the input data areas of the profit and loss calculation list, balance calculation list and scenario in the spreadsheet. A data input method of a business portfolio simulation system characterized by being displayed.

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