JP2004206416A

JP2004206416A - Independent flotation supporting system

Info

Publication number: JP2004206416A
Application number: JP2002374749A
Authority: JP
Inventors: Koji Sakaki; 耕二榊
Original assignee: ARC RENAISSANCE KK
Current assignee: ARC RENAISSANCE KK
Priority date: 2002-12-25
Filing date: 2002-12-25
Publication date: 2004-07-22

Abstract

<P>PROBLEM TO BE SOLVED: To provide an independent flotation supporting system which enables independent flotation with a small capital and enables relationships among those who are concerned including a promoter himself to proceed smoothly. <P>SOLUTION: The independent flotation supporting system is based on a computer for supporting a person 2 hoping to be independent who contracts with a business headquarter 1 dealing with business and tries to set up a business independently. The system includes a developer 5 who borrows money from a financial institution 3 on condition that there is security, provides the person 2 hoping to be independent with building facilities necessary for independent flotation from a landowner/landlord 4, subleases the land/building, and lends money necessary for the flotation, the business headquarter 1 for giving business continuation warranty within a term of contract after the person 2 hoping to be independent has set up the business, and a rent security company 6 for giving a sublease rent warranty on the land/building the person 2 hoping to be independent pays to the developer 5 after he has become independent and a rent warranty on the land/building to the landowner/landlord by the developer 5 and receiving the business continuation warranty within the term of contract from the business headquarter 1 after the person 2 hoping to be independent has becomes independent. <P>COPYRIGHT: (C)2004,JPO&NCIPI

Description

【発明の属する技術分野】
本発明は、独立起業支援システム（換言すると、本出願人の商標であるネットサポートシステム・ＮＳＳ）に関し、詳しくは、現今の極めて厳しい経済状況下にあって、独立起業しようとする人及びその周辺の銀行等の金融機関を含む各当事者間の関係が円滑に進行するようにした斬新な独立起業支援システムに関するものである。
【従来の技術】
我国経済は、ほぼ平成３年度にいわゆるバブル経済が崩壊して以来１０年余を経過したが、未だ一向に景気上昇の気配を見せず、各種分野における資金調達の困難さをはじめとして、雇用不安、株価の低迷、産業の空洞化など依然として厳しい状況が続いている。
このような厳しい状況下の日本社会において、各企業はリストラを余儀なくされ、中高年者ばかりか若者までが失業の不安に怯えている。
そして、この厳しい状況下で、独立し新たに起業を行いたくても、独立対象業種のノウハウの不知等をはじめとして独立の仕方がわからない者又は資金的に独立が困難な人達がたくさんいるというのが実情である。
すなわち、通常、独立希望者は銀行等の金融機関から独立に必要な開業資金の例えば全額又は半額等の融資を受けてから独立開業しようとするのが一般的であるが、当該融資金が高額になるために、その返済の不安視とともに物的担保や人的保証が得られないような場合、銀行等の金融機関にとっては、融資自体を許容できないというのが実情である。
同様に、例えば、独立起業しようとする対象業種が、例えばレストラン等の飲食店であるような場合、出店しようとする場所の土地を地主から借りようとする際も、前記銀行等の金融機関が融資を許容できないと同じような理由により、当該出店候補地を地主から借りることはなかなか困難なことである。
したがって、このような諸事情から、独立起業せんとする者が例えば小資本しか保持しないような場合には、独立起業することが極めて困難であるというのが実情である。
【発明が解決しようとする課題】
本発明は、上述した従来の実情に鑑み開発、創出されたものであり、現行の厳しい経済状況下で、独立起業したくても独立できない人、独立が困難な人たちのために、小資本でも円滑に独立起業できるようにし、また、独立起業者を含む関係各者間の関係が円滑に進行するようにした斬新な独立起業支援システムを提供することを目的とする。
【課題を解決するための手段】
請求項１記載の発明の独立起業支援システムは、事業を営む事業本部と契約し、新たに独立起業を行なおうとする独立希望者を支援するコンピュータを基礎とする独立起業支援システムであって、金融機関から担保提供を前提に資金融資を受けるとともに、地主・大家からの土地・建物の賃借を行い、前記独立希望者に対して、独立起業に必要な建物設備を施して土地・建物を転貸し、且つ、起業に必要な資金の融資を行うデベロッパーと、前記独立希望者の独立後における契約期間内の営業継続保証を他に対して行なう事業本部と、前記デベロッパーに対して前記独立希望者が独立後に払う土地・建物の転借料保証、デベロッパーの地主・大家に対する前記土地・建物の賃料保証を行い、前記事業本部から前記独立希望者の独立後の契約期間内の営業継続保証を受ける賃料保証会社とを含み、事業本部、デベロッパー、賃料保証会社及び独立希望者をコンピュータを基礎として関連付けたことを特徴とするものである。
本発明によれば、金融機関、地主・大家と、起業しようとする独立希望者との間に介在する事業本部、デベロッパー、賃料保証会社のコンピュータを基礎として関連付けた各々の役割によって、独立希望者は小資本で独立起業できる独立起業支援システムを提供することができる。
また、金融機関、地主・大家は、賃料保証会社による賃料保証を受けられるので、安心して融資、土地等の賃貸を行うことができる。更に、事業本部、デベロッパー、賃料保証会社、独立希望者は、相互保証的な保証関係で関連付けられるので、これら関係当事者間の関係を円満にしつつ独立起業の支援を行うことが可能となる。
請求項２記載の発明の独立起業支援システムは、複数の会員企業を統括する事業本部と契約し、新たに独立起業を行なおうとする当該会員企業の社員であるのれん分け独立希望者を支援するコンピュータを基礎とする独立起業支援システムであって、金融機関から担保提供を前提に資金融資を受けるとともに、地主・大家からの土地・建物の賃借を行い、前記のれん分け独立希望者に対して、独立起業に必要な建物設備を施して土地・建物を転貸し、且つ、起業に必要な資金の融資を行うデベロッパーと、前記のれん分け独立希望者の独立後における契約期間内の営業継続保証を他に対して行なう事業本部と、デベロッパーに対して前記のれん分け独立希望者が独立後に払う土地・建物の転借料保証、デベロッパーの地主・大家に対する前記土地・建物の賃料保証を行い、前記事業本部から前記のれん分け独立希望者の独立後の契約期間内の営業継続保証を受ける賃料保証会社とを含み、事業本部、デベロッパー、賃料保証会社及び独立希望者をコンピュータを基礎として関連付けたことを特徴とするものである。
本発明によれば、前記請求項１記載の発明のシステムと同様な作用を発揮するとともに、特に会員企業の社員であるのれん分け独立希望者の独立起業の支援に好適となる。
請求項３記載の発明の独立起業支援システムは、請求項１又は２記載の独立起業支援システムにおいて、前記デベロッパーの金融機関への担保は、前記独立希望者が独立後にデベロッパーに対して負う土地・建物の転借料債権であることを特徴とするものである。
本発明によれば、前記デベロッパーの金融機関への担保を、前記独立希望者が独立した後にデベロッパーに対して負う土地・建物の転借料債権とすることにより、前記請求項１又は２記載の発明のシステムの作用を一層円滑に発揮する。
【発明の実施の形態】
以下、本発明の独立起業支援システムの実施の形態を詳細に説明する。
図１は本実施の形態の独立起業支援システムの全体構成を示すブロック構成図である。
本実施の形態に係る独立起業支援システムは、図１に示す事業本部１とフランチャイズ契約・独立契約を行ない新たに独立起業を行なおうとする独立者２（例えば事業本部１が抱える会員企業１ａ、１ｂ・・の社員をはじめとする例えばのれん分け独立者）の独立起業を支援するシステムである。上記独立者２は、換言すると、新たに独立起業を行なおうとする独立希望者ということができる。なお、前記事業本部１は複数の会員企業１ａ、１ｂを抱えてこれを統括することも行なう場合もある。
更に、本実施の形態に係る独立起業支援システムは、銀行等の金融機関３から担保（デベロッパー５に対して独立者２が独立した後に払う転借料債権）の提供を前提に銀行等の金融機関３から資金融資（起業に必要な金額）を受け、しかも、地主・大家４からの土地・建物の賃借を行い、独立者２に独立起業に必要な建物設備を施して地主・大家４から借り受けた土地を転貸するとともに起業に必要な資金の融資を行うデベロッパー５と、前記デベロッパー５に対する独立者２が払う転借料保証及びデベロッパー５の地主・大家４に対する土地・建物の賃料保証を行い、前記事業本部１から前記独立者２の契約期間内の営業継続保証を受ける賃料保証会社６と、を含んで構成される。
前記賃料保証会社６は、前記デベロッパー５に対する独立者２が払う転借料の保証を行う前提として、独立者２から所定の保証料（例えば賃料の数％）を徴収するとともに、デベロッパー５の地主・大家４に対する土地・建物の賃料保証を行う前提として、地主・大家４から所定の保証料（例えば賃料の数％）を徴収する。
そして、前記事業本部１、デベロッパー５、賃料保証会社６、独立者２をコンピュータを基礎として関連付けている。
すなわち、図１に示すように、事業本部１には事業本部サーバー１１、デベロッパー５にはデベロッパーサーバー１５、賃料保証会社６には賃料保証会社サーバー１６、独立者２には独立者端末１２が配置され、これらは通信回線２０によりオンラインで通信可能な構成としている。
次に、本実施の形態の独立起業支援システムによる独立者２の独立起業支援の処理の流れの一例を説明する。
図１に示す事業本部１は、事業本部サーバー１１に例えば独立者２の起業独立条件にかなうような特定の開店先情報等を収集蓄積し、独立者端末１２を通じて前記独立者２にその開店先情報を提供する（ステップＳ１）。
新たに独立起業を行なおうとする独立者２は、事業本部１から提供された開店先情報をもとに、起業を望む場合にはその独立者端末１２、事業本部サーバー１１を通じて、事業本部１に起業独立、開店希望、諸種の条件等を申し込むか又は面接により開店希望、条件等を伝達する（ステップＳ２）。
独立者２の独立者端末１２から開店希望、条件等を伝達された前記事業本部１は、当該独立者２とフランチャイズ契約・独立契約を行ない、事業本部サーバー１１、賃料保証会社６の賃料保証会社サーバー１６を通じて賃料保証会社６に新たに独立起業を行なおうとする独立者２の開店希望、条件等の情報を申し出る（ステップＳ３）。
上記賃料保証会社６は、賃料保証会社サーバー１６を使用し独立者２の開店希望、条件等の情報を確認、審査し、更に賃料保証会社サーバー１６、デベロッパーサーバー１５を通じてデベロッパー５に独立者２の開店希望、条件等の情報を送る（ステップＳ４）。
デベロッパー５は、デベロッパーサーバー１５を使用して当該独立者２の開店希望、条件等の情報を基に確認、審査を行う。更に、デベロッパー５は、銀行等の金融機関３から担保（デベロッパー５の独立者２への転借料債権を担保）の提供を前提に、前記新たに独立起業を行なおうとする独立者２の起業独立に見合った資金融資を受けるとともに、地主・大家４からの土地（又は／及び建物）の賃借を行い、当該独立者２の独立起業に必要な土地、建物、設備を施して独立者２に転貸（デベロッパー５が地主・大家４から賃貸された土地又は／及び建物の転貸）し、当該新たに独立起業を行なおうとする独立者２の起業に必要な資金の融資（デベロッパー５が金融機関３から融資された資金）を行う（ステップＳ５）。
この場合、新たに独立起業を行なおうとする独立者２は自己資金が少ない場合であっても、デベロッパー５から必要な建物、設備を賃借でき、また、起業に必要な資金の融資を受けられるので、独立者２自らが金融機関３から起業に必要な全ての高額な資金融資を受ける必要が無くなり、起業独立が容易となる。
この後、新たに独立起業を行なおうとする独立者２は、開店等の起業準備を整え、新規開店の運びとなる（ステップＳ６）。
この独立起業支援システムによれば、各当事者は各々以下のような便益を享受できる。
新たに独立起業を行なおうとする独立者２の不安は、起業独立に必要な資金と商売の方法・ノウハウ等の面であるが、デベロッパー５が建物、設備を負担することになるので、比較的小資本で開業できる。また、当該独立者２は、事業本部１に加盟（フランチャイズ契約・独立契約）する加盟店方式をとることから、商売の仕方に不安がなくなる。
また、会員企業１ａ、１ｂに属している所謂のれん分け独立者の場合には、長年企業等で技術を習得してはいるものの、資金が少なく、起業独立の余力がないような場合でも独立起業が可能となる。
事業本部１は、会員企業１ａ、１ｂが抱える資金調達等の不安が少なくなるので、加盟店開発が容易となる。また、企業的な立場から見れば、中高年の人たちの給与は安くなり、従業員として企業のなかで抱えていけなくなった者を独立させたいが資金支援ができないような場合に、本システムによれば、中高年の者たちの独立が容易になるため、円満に退社させ人員削減が可能となる。
銀行等の金融機関３は、本システムによりデベロッパー５から転借料債権の担保提供が受けられ、更に、本システムにおける事業本部２、賃料保証会社６から間接的又は再間接的に融資に対する保証がなされている状態になるので、融資リスクが少なくなる。
地主・大家４は、従来においては、新たに独立起業を行なおうとする小規模な独立者２のような賃借人に対する土地、建物の賃貸について相当悩まなければならなかったが、本システムによれば、実際の賃借人（地主・大家４からの土地、建物の賃借人であるデベロッパー５から転貸される独立者２）がいかに小規模の者でも、転貸人としてデベロッパー５がその転借料を引き受けるので、安心して土地・建物の賃貸を行うことができる。
デベロッパー５は、賃料保証会社６を通じて独立者２の転借料の保証、そして、賃料保証会社６は、事業本部１から前記独立者２の契約期間内の営業継続保証を受ける保証があるので、賃貸事業リスクが軽減される。このことから、当該賃貸事業リスクが少ないことから、銀行等の金融機関３からの資金調達が容易となる。
賃貸料保証会社６は、転借人である独立者２が経営不振で賃料を払えない状況となっても、事業本部１又は新たな別の企業独立者が転借人となって、事業を継続することが可能であるため、賃料保証リスクが大幅に軽減される。
したがって、本システムにおいては、独立開業のための銀行等の金融機関３の前記デベロッパー５に対する融資の返済、土地、建物の直接の賃借人であるデベロッパー５が地主・大家４に対して負う賃料、及び当該デベロッパー５から地主・大家４が所有する当該土地、建物の転貸を受けた独立者２がデベロッパー５に対して負う転借料が、前記事業本部１、賃料保証会社６の夫々が保証する前記保証内容のもとに二重、三重に保証状態におかれることになる。更に、前記デベロッパー５、事業本部１、賃料保証会社６の夫々は、銀行等の金融機関３、地主・大家４に対しては上述したような二重、三重に保証をすることになるが、一面からみると、当該デベロッパー５、事業本部１、賃料保証会社６の夫々が相互に保証し合うような状態となる。
このことから、本システムに基づく独立起業者を含む関係各者間の関係が円滑に進行する。
その結果、本システムによれば、現行の厳しい経済状況下で、独立起業したくても独立できない人や独立が困難な人たちのために、小資本でも円滑に独立起業が可能となる。
【発明の効果】
以上説明した請求項１記載の発明によれば、金融機関、地主・大家と、起業しようとする独立者との間に介在する事業本部、デベロッパー、賃料保証会社の相互保証的な役割発揮により、新たに独立起業を行なおうとする独立者は小資本で独立起業でき、また、関係当事者間の関係を円満にしつつ独立起業の支援を行うことが可能な独立起業支援システムを提供することができる。
すなわち、本システムにおいては、独立開業のための銀行等の金融機関の前記デベロッパーに対する融資の返済、土地、建物の直接の賃借人であるデベロッパーが地主・大家に対して負う賃料、及び当該デベロッパーから地主・大家が所有する当該土地、建物の転貸を受けた独立者がデベロッパーに対して負う転借料が、前記事業本部、賃料保証会社の夫々が保証する前記保証内容の下に二重、三重に保証状態におかれることになる。更に、前記デベロッパー、事業本部、賃料保証会社の夫々は、銀行等の金融機関、地主・大家に対しては上述したような二重、三重に保証をすることになるが、一面からみると、当該デベロッパー、事業本部、賃料保証会社の夫々が相互に保証し合うような状態となる。
このことから、本システムに基づく独立起業者を含む関係各者間の関係が円滑に進行する。
その結果、本システムによれば、現行の厳しい経済状況下で、独立起業したくても独立できない人や独立が困難な人たちのために、小資本でも円滑に独立起業が可能となる。
また、請求項２記載の発明によれば、請求項１記載の発明と同様な効果を奏するとともに、特に会員企業の社員であるのれん分け独立者の独立起業の支援に好適な独立起業支援システムを提供することができる。
更に、請求項３記載の発明によれば、前記デベロッパーの金融機関への担保を、前記独立希望者が独立後にデベロッパーに対して負う土地・建物の転借料債権とすることにより、前記請求項１又は２記載の発明の効果を一層円滑に発揮する独立起業支援システムを提供することができる。
【図面の簡単な説明】
【図１】本発明の実施の形態の全体構成ブロック図である。
【図２】本発明の実施の形態の独立起業支援システムによる独立者の独立起業支援の処理の流れを示すフローチャートである。
【符号の説明】
１事業本部
１ａ、１ｂ会員企業
２独立者（独立希望者）
３金融機関
４地主・大家
５デベロッパー
６賃料保証会社
１１事業本部サーバー
１２独立者端末
１５デベロッパーサーバー
１６賃料保証会社サーバー
２０通信回線TECHNICAL FIELD OF THE INVENTION
The present invention relates to an independent entrepreneur support system (in other words, a net support system / NSS which is a trademark of the present applicant). The present invention relates to a novel independent entrepreneurial support system that facilitates the relationship between parties including financial institutions such as banks.
[Prior art]
The Japanese economy has been going on for more than 10 years since the collapse of the so-called bubble economy in 1991, but has not yet shown any signs of an economic upturn, and employment insecurity, including difficulties in raising funds in various fields. Severe conditions such as sluggish stock prices and hollowing out of industry continue.
In such a difficult Japanese society, companies are forced to restructure, and not only middle-aged people but also young people are afraid of unemployment.
In this severe situation, there are many people who do not know how to become independent, such as knowing the know-how of the industry subject to independence, or who are difficult to become independent, even if they want to start a new business independently. Is the fact.
In other words, usually, applicants for independence generally seek to open their business independently after receiving a full or half loan, for example, from the financial institution such as a bank. Therefore, if it is difficult to obtain physical security or personal guarantee together with the apprehension of the repayment, financial institutions such as banks cannot accept the loan itself.
Similarly, for example, when the target industry for which an independent business is to be started is a restaurant such as a restaurant, for example, when trying to rent land at a place where a store is to be opened from a landowner, the financial institution such as the bank is required. It is very difficult to rent the proposed site from the landowner for the same reason that a loan is not acceptable.
Therefore, from such circumstances, it is actually difficult to start an independent business if the person who intends to start an independent business holds only small capital, for example.
[Problems to be solved by the invention]
The present invention has been developed and created in view of the above-described conventional circumstances. Under the current severe economic situation, people who want to start an independent business but who are unable to become independent or who are difficult to become independent are required to obtain a small capital. However, it is an object of the present invention to provide a novel independent entrepreneur support system that enables independent entrepreneurs to smoothly run, and that facilitates the smooth progress of relationships between related parties including independent entrepreneurs.
[Means for Solving the Problems]
The independent entrepreneurship support system according to the first aspect of the present invention is an independent entrepreneurship support system based on a computer that supports a person who wants to start an independent entrepreneur by contracting with a business headquarters that runs a business, In addition to receiving funding from financial institutions on the premise of providing collateral, rent land and buildings from landowners and landlords, and sublease the land and buildings to the applicant for independence by providing the building equipment necessary for independent entrepreneurship A developer who provides financing necessary for entrepreneurship, a business headquarters that guarantees business continuity during the contract period after the independence applicant becomes independent, and Guarantees the land and building sublease rent paid after the independence, and guarantees the land and building rent to the landlord / landlord of the developer. And a business continuity guarantee receive rent guarantee Companies in, is characterized in that the associated business headquarters, developers, the rent guarantee company and independent seekers on the basis of the computer.
According to the present invention, the independent role of a business institution, a developer, and a rent guarantee company, which are interposed between a financial institution, a landowner / landlord, and an independent applicant who intends to start a business, Can provide an independent entrepreneurial support system that allows independent startup with small capital.
In addition, financial institutions, landowners and landlords can receive rent guarantees from rent guarantee companies, so they can lend, rent land, etc. with confidence. Further, since the business headquarters, the developer, the rent guarantee company, and the applicant for independence are linked in a mutually guaranteeing guarantee relationship, it is possible to support independent entrepreneurship while making the relationship between the related parties satisfactory.
The independent entrepreneurship support system according to the second aspect of the present invention supports a goodwill independence applicant who is an employee of the member company who intends to start a new independent company by contracting with a business headquarters that supervises a plurality of member companies. A computer-based independent entrepreneur support system, which receives funding from financial institutions on the premise of providing collateral, rents land and buildings from landowners and landlords, and Developers who sublease land and buildings by providing the necessary building facilities for independent entrepreneurship and lend the funds necessary for entrepreneurship, as well as guaranteeing business continuity during the contract period after the independence of the applicant for goodwill separation The business headquarters to be conducted, and the goodwill separation to the developer The land and building sublease rent guarantee paid by the applicant for independence after the independence, Business headquarters, developers, rent guarantee companies, and independent rent guarantee companies that provide rent guarantees for land and buildings and receive business continuity guarantees from the business headquarters during the contract period after the independence applicants have become independent. Are associated with each other on a computer basis.
According to the present invention, the same effect as that of the system according to the first aspect of the present invention is exhibited, and it is particularly suitable for supporting independent entrepreneurs who are members of a member company and wish to become independent.
The independent entrepreneurship support system according to the third aspect of the present invention is the independent entrepreneurship support system according to the first or second aspect, wherein the collateral of the developer with the financial institution is based on land and land that the applicant for independence owes to the developer after independence. It is characterized by being a sublease receivable of the building.
According to the present invention, the developer according to claim 1 or 2, wherein the developer's collateral with the financial institution is a land and building sublease loan to the developer after the independent applicant becomes independent. The function of the system is more smoothly exhibited.
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, an embodiment of the independent entrepreneur support system of the present invention will be described in detail.
FIG. 1 is a block diagram showing the overall configuration of the independent entrepreneur support system of the present embodiment.
The independent entrepreneur support system according to the present embodiment includes an independent person 2 (for example, a member company 1a owned by the business headquarters 1) who makes a franchise contract / independent contract with the business headquarters 1 shown in FIG. This is a system that supports the independent entrepreneurs of, for example, the goodwill divers, including the employees of 1b. In other words, the independent person 2 can be said to be an independent applicant who intends to start a new independent business. In some cases, the business headquarters 1 has a plurality of member companies 1a and 1b and may supervise them.
Furthermore, the independent entrepreneur support system according to the present embodiment is based on the assumption that a financial institution 3 such as a bank provides collateral (a sub-loan receivable to be paid to the developer 5 after the independent entity 2 becomes independent). 3 borrows land and buildings from landowners and landlords 4 and rents them from landowners and landlords 4 by applying the building facilities necessary for independent entrepreneurs to landlords and landlords 4 A developer 5 that subleases the land and finances the funds necessary for entrepreneurship, and guarantees a sublease fee paid by the independent person 2 to the developer 5 and a land and building rent guarantee to the landlord / landlord 4 of the developer 5; A rent guarantee company 6 receiving a business continuity guarantee from the business headquarters 1 during the contract period of the independent person 2.
The rent guarantee company 6 collects a predetermined guarantee fee (for example, several% of the rent) from the independent company 2 as a precondition for guaranteeing the sublease fee paid by the independent company 2 to the developer 5, and As a prerequisite for rent guarantee of land and buildings to landlord 4, a predetermined guarantee fee (for example, several percent of rent) is collected from landowner / landlord 4.
The business headquarters 1, the developer 5, the rent guarantee company 6, and the independent person 2 are associated on a computer basis.
That is, as shown in FIG. 1, the business headquarters 1 has a business headquarters server 11, a developer 5 has a developer server 15, a rent guarantee company 6 has a rent guarantee company server 16, and an independent person 2 has an independent terminal 12. These are configured to be able to communicate online via the communication line 20.
Next, an example of a process flow of the independent business support of the independent person 2 by the independent business support system of the present embodiment will be described.
The business headquarters 1 shown in FIG. 1 collects and accumulates, for example, specific store opening information that meets the entrepreneurial independence conditions of the independent person 2 in the business headquarters server 11, and sends the information to the independent person 2 via the independent person terminal 12. Information is provided (step S1).
If the independent person 2 who wants to start a new independent business wants to start a business based on the opening information provided by the business headquarters 1, he / she wants to start a business through the independent terminal 12 and the business headquarters server 11. Apply for entrepreneur independence, hope for opening a store, various conditions, etc., or transmit the wishes, conditions, etc. for opening a store by interview (step S2).
The business headquarters 1 having received the request for opening a store and the conditions from the independent terminal 12 of the independent person 2 makes a franchise contract / independent contract with the independent person 2, and the business headquarters server 11 and the rent guarantee company of the rent guarantee company 6. The independent person 2 who wishes to start a new independent business through the server 16 offers information such as a desire to open a store and conditions (step S3).
The rent assurance company 6 uses the rent assurance company server 16 to confirm and examine information such as the opening request and conditions of the independent person 2, and further, through the rent assurance company server 16 and the developer server 15, to the developer 5. Information such as a request for opening a store and conditions is sent (step S4).
The developer 5 uses the developer server 15 to confirm and examine the independent person 2 based on information such as a desire to open a store and conditions. Further, the developer 5 is required to provide collateral from the financial institution 3 such as a bank (collateralizing the receivable from the developer 5 to the independant 2) to start the independent business 2 In addition to receiving financing commensurate with independence, rent land (or / and building) from landowner / landlord 4 and provide land, building, and facilities necessary for the independence of independent 2 Subleasing (developer 5 subleasing land or / and buildings leased from landowner / landlord 4) and lending the funds necessary for the independent company 2 to start a new independent business (developer 5 is a financial institution 3) (step S5).
In this case, the independent person 2 who intends to start a new independent business can rent the necessary buildings and equipment from the developer 5 and can receive the financing necessary for starting a business even if the own funds are small. This eliminates the need for the independant 2 to receive all the high-level financing necessary for starting a business from the financial institution 3, thereby facilitating independence of starting a business.
Thereafter, the independent person 2 who intends to start a new independent business prepares for business opening such as opening a store, and carries out a new opening (step S6).
According to this independent entrepreneur support system, each party can enjoy the following benefits.
The independence of Independent 2 who intends to start a new independent business is in terms of the necessary funds and business methods and know-how for independence of the business, but the developer 5 will bear the building and equipment. It can be opened with very small capital. Further, since the independent person 2 adopts a member store system in which the business headquarters 1 is affiliated (franchise contract / independent contract), there is no worry about how to do business.
Also, in the case of so-called goodwill independents belonging to the member companies 1a and 1b, independent entrepreneurs are established even if they have acquired technology for many years, but have few funds and lack the capacity to start a business independently. Becomes possible.
The business headquarters 1 can easily develop a member store because the member companies 1a and 1b have less fear of raising funds and the like. Also, from a corporate perspective, the salary of middle-aged and elderly people will be cheaper, and if you want to make the employees who can no longer be held as employees in the company independent, but can not provide financial support, this system According to this, middle-aged and older persons can easily become independent, so they can leave the company steadily and reduce the number of employees.
The financial institution 3, such as a bank, receives collateral for sub-loan receivables from the developer 5 by this system, and further indirectly or reindirectly guarantees the loan from the business headquarters 2 and the rent guarantee company 6 in this system. Lending risk is reduced.
In the past, landowners and landlords 4 had to worry considerably about renting land and buildings to renters, such as small independents 2 who would like to start a new independent business. For example, even if the actual lessee (independent 2 subleased by the developer 5 who is the landowner / landlord 4 and the lessee of the building), the developer 5 accepts the sublease fee as a sublessor. Therefore, land and buildings can be leased with peace of mind.
The developer 5 guarantees the sublease fee of the independent person 2 through the rent guarantee company 6, and the rent guarantee company 6 has a guarantee of the business continuity guarantee from the business headquarters 1 during the contract period of the independent person 2. Business risk is reduced. As a result, since the leasing business risk is small, financing from the financial institution 3 such as a bank is facilitated.
The rent guarantee company 6 continues the business with the business headquarters 1 or another new business independent person becoming the sublessee even if the independant 2 who is the sublessee is unable to pay the rent due to poor management. Rent guarantee risk is greatly reduced.
Therefore, in this system, the repayment of the loan to the developer 5 of the financial institution 3 such as a bank for the independent opening of business, the rent owed to the landowner / landlord 4 by the developer 5 who is a direct renter of land and buildings, The land owned by the landlord / landlord 4 from the developer 5 and the sublease rent owed to the developer 5 by the independent person 2 who subleases the building is guaranteed by the business headquarters 1 and the rent guarantee company 6, respectively. Under the guarantee contents, it will be in a double or triple guarantee state. Further, each of the developer 5, the business headquarters 1, and the rent guarantee company 6 will provide the above-described double and triple guarantee to the financial institution 3 such as a bank and the landowner / landlord 4, From a single perspective, the developer 5, the business headquarters 1, and the rent guarantee company 6 are in a state of mutually guaranteeing each other.
From this, the relationship between the related parties including the independent entrepreneur based on the present system proceeds smoothly.
As a result, according to the present system, under the current severe economic situation, it is possible to smoothly start an independent business with a small capital for those who want to start an independent business but who are difficult to become independent or who have difficulty in becoming independent.
【The invention's effect】
According to the invention described in claim 1 described above, the business headquarters, the developer, and the rent guarantee company, which intervene between the financial institution, the landowner / the landlord, and the independent who intends to start a business, fulfill their mutual assurance roles. Independent entrepreneurs who want to start a new independent entrepreneur can provide an independent entrepreneur support system that can support independent entrepreneurs while enriching the relationship between concerned parties with small capital. .
That is, in this system, the repayment of the loan to the developer by a financial institution such as a bank for the independent opening of business, the rent owed to the landowner / landlord by the developer who is the direct renter of the land and building, and the The rent owed to the developer by the independent owner who subleases the land and building owned by the landlord / landlord will be doubled or tripled under the guarantees guaranteed by the business headquarters and the rent guarantee company, respectively. You will be under warranty. Furthermore, each of the developer, the business headquarters, and the rent guarantee company will provide the above-described double and triple guarantees to financial institutions such as banks and landowners and landlords. The developer, the business headquarters, and the rent guarantee company will be in a mutually guaranteed state.
From this, the relationship between the related parties including the independent entrepreneur based on the present system proceeds smoothly.
As a result, according to the present system, under the current severe economic situation, it is possible to smoothly start an independent business with a small capital for those who want to start an independent business but who are difficult to become independent or who have difficulty in becoming independent.
According to the second aspect of the present invention, an independent entrepreneurship support system which has the same effect as the first aspect of the invention and is particularly suitable for supporting the independent entrepreneurship of a goodwill independent member who is an employee of a member company. Can be provided.
Furthermore, according to the third aspect of the present invention, the security of the developer with respect to the financial institution is a land and building sublease claim that the applicant for the independence bears on the developer after independence. Alternatively, it is possible to provide an independent entrepreneur support system that more smoothly exerts the effects of the invention described in 2.
[Brief description of the drawings]
FIG. 1 is an overall configuration block diagram of an embodiment of the present invention.
FIG. 2 is a flowchart showing a flow of processing for independent entrepreneur support of an independent person by the independent entrepreneur support system according to the embodiment of the present invention;
[Explanation of symbols]
1 Business headquarters 1a, 1b Member company 2 Independent (independent applicant)
3 financial institution 4 landowner / landlord 5 developer 6 rent guarantee company 11 business headquarters server 12 independent terminal 15 developer server 16 rent guarantee company server 20 communication line

Claims

A computer-based independent entrepreneurship support system that contracts with the business headquarters that runs the business and supports those who want to start a new independent entrepreneur,
In addition to receiving funding from financial institutions on the premise of providing collateral, rent land and buildings from landowners and landlords, and sublease the land and buildings to the applicant for independence by providing the building equipment necessary for independent entrepreneurship And developers that provide financing necessary for entrepreneurship,
A business headquarters that provides business continuity guarantees to others during the contract period after the independence applicant becomes independent,
Guarantee the land / building subsidy paid by the applicant for independence to the developer after the independence, and rent guarantee of the land / building to the landlord / landlord of the developer. A rent guarantee company that receives a business continuity guarantee during the period,
An independent entrepreneurship support system, which includes a business headquarters, a developer, a rent guarantee company, and an applicant for independence based on a computer.

An independent entrepreneurship support system based on a computer that supports a goodwill independence applicant who is an employee of the member company who intends to start a new independent business by contracting with a business headquarters that supervises a plurality of member companies,
In addition to receiving funding from financial institutions on the premise of providing collateral, renting land and buildings from landowners and landlords, and applying the building equipment necessary for independent entrepreneurship to the aforementioned applicants for independent goodwill, land and buildings A developer who sub-lends and lends the funds necessary for entrepreneurship,
A business headquarters that provides business continuity guarantees to others within the contract period after independence of the goodwill applicants,
Guarantee the land / building rent paid by the applicant for independence to the developer after independence, and guarantee the rent of the land / building to the landlord / landlord of the developer, and make the independence applicant from the business headquarters independent. A rent guarantee company that receives a business continuity guarantee during the subsequent contract period,
An independent entrepreneurship support system, which includes a business headquarters, a developer, a rent guarantee company, and an applicant for independence based on a computer.

The independent entrepreneurship support system according to claim 1, wherein the collateral of the developer with the financial institution is a land and building sublease loan that the applicant for the independence owes to the developer after independence. 4.