KR20010044846A - Financial Analysis - Google Patents

Abstract

PURPOSE: A financial analysis method is provided to enable a user to input personal data and financial data, to analyze personal finance state, and to determine amount of investment and installment savings based on the analysis results. CONSTITUTION: The method comprises steps of guiding a user to input personal data and financial data, calculating yearly finance demand, calculating yearly finance supply, comparing the yearly finance demand with the yearly finance supply, outputting the yearly finance demand, the yearly finance supply, and the compared result, asking the user if a stability finance plan is needed, guiding the user to input supplementary financial data, repeating the calculation and comparison process of the yearly finance demand and supply, outputting the calculation and comparison result on the supplementary financial data, asking the user if the supplementary financial data is modified, repeating the calculation and comparison process on the modified financial data, and finishing the process.

Description

Financial Analysis Method {Financial Analysis}

The present invention relates to financial analysis, and more specifically, by inputting personal information and financial data, and analyzing the data, it is possible to analyze an individual's finance and determine the amount of investment or savings according to the analysis result. It relates to an analytical method that works.

Conventionally, there is a program related to financial analysis of a client handled by an insurance company, but the financial analysis program calculates the result of assuming the death of the customer, and operates the program for the purpose of recommending the insurance according to the result. have.

However, the above-described conventional financial analysis service cannot be applied to the savings products of banks that handle the continuous accumulation of savings, etc., because it assumes the death of customers every year for each year. There was no analysis program.

The present invention is to solve the problems of the prior art as described above, by analyzing the data by inputting personal information and money-related data, to analyze the individual's finances and determine the amount of investment or savings, etc. according to the analysis results The aim is to provide an analytical method that is effective to enable this.

1 is a flow diagram illustrating one embodiment in accordance with the present invention.

Figure 2 is an input screen of an embodiment according to the present invention.

Figure 3 is a calculation reference screen of an embodiment according to the present invention.

Figure 4 is the required fund analysis screen of an embodiment according to the present invention.

Figure 5 is a secured analysis screen of an embodiment according to the present invention.

Figure 6 is a comparative analysis screen of the necessary funds and secured funds of one embodiment according to the present invention.

7 is a result screen of an embodiment according to the present invention includes a comment on the comparative analysis screen of FIG. 6, inputs of desired money data, a stability plan establishment result, and a comment on the stability plan establishment result.

*** Explanation of main parts of drawing ***

10. Family details 11. Family name 12. Date of birth

13. Gender 14. Marriage 20. Company

21. Years worked 22. Number of years worked 23. Salary

24. Estimated retirement allowance at retirement 30. Social indicators 31. Inflation rate

32. Wage Rate 40. Regular Living Fund 41. Current Cost of Living

42. Living expenses at marriage 50. Non-regular living funds 51. Conservative funds

52. Housing funds 53. Marriage funds 60. Financial products

61. Registered savings 62. Registered insurance 63. Loans

64. Additional income 65. Others 70. Funds required

71. Annual fund for living 72. Annual fund for housing 73. Annual fund for education

74. Marriage Funds by Year 75. Annual Funds Payable 76. Annual Premium Payment

77. Annual loan repayment amount 80. Funds secured 81. Annual salary

82. Receipt by Year 83. Receipt by Year

100. Data input stage 110. Required fund calculation stage 120. Secured fund calculation stage

130. Comparative analysis step 140. Comment on comparative analysis 150. Output step

160. Query step 170. Second end step 180. Additional input step

190. Recalculation of necessary funds 200. Recalculation of secured funds 210. Re-establishment of stability plan

220. Comments on stability planning 230. Additional output stage 240. Correction stage

250. Termination Step

Financial analysis method according to the present invention,

In the method for analyzing the financial status of the user using a computer system consisting of input means, storage means and output means and processing means,

An input step 100 of inputting personal information and money-related data; A necessary fund calculation step 110 of calculating necessary funds for each year using the personal information and money related data; A secured fund calculation step (120) of calculating funds that can be secured for each year using the personal information and money related data; A comparative analysis step (130, 140) of comparing the calculated total amount of required funds and total secured funds by year, and analyzing data of the compared year's total required funds and total secured funds; And an output step 150 for outputting the input data, the required funds for each year, the secured funds for each year, and the comparative analysis data; and an ending step 250 for terminating the program.

Financial analysis method according to the present invention,

After the output step 150,

A query step 160 asking the user whether to establish a stability plan; A second end step 170 of terminating the financial analysis when there is no request to establish a stability plan in the inquiry step 160; If there is a request to establish a stability plan in the query step 160, an additional input step 180 for inputting the desired money data; A first repetition step (190, 200, 210, 220) through the necessary fund calculation step, the secured fund calculation step, and the comparative analysis step again using the additionally input data and the personal information and money related data; An additional output step 230 of outputting the additional input data and the reproduced comparative analysis data; A modification step 240 of asking the user whether or not to correct the content input in the additional input step 180; A second repetition step (180, 190, 200, 210, 220, 230) to be performed again from the additional input step, if there is a correction request in the correction step 240; If there is no correction request in the modification step 240, it may be characterized in that it further comprises proceeding to the end step 250.

Financial analysis method according to the present invention,

The required fund 70 for each year calculated in the required fund calculation step 110 and the secured fund 80 calculated in the secured fund calculation step 120 may be calculated at future values.

Here, the future value, for example, 100 million won in October 1999 will be worth more than 100 million won in one year, which is changed by various social factors such as inflation rate. In short, if there was a 10% inflation in October 2000 than in October 1999, 100 million won in October 1999 would be 110 million won in October 2000.

Personal information and money-related data entered in the input step 100,

Family matters (10), company matters (20), social indicators (30), regular living funds (40), occasional living funds (50), savings product subscriptions (61), insurance product subscriptions (62) ), Loans (63), additional income (64), other matters (65) may be any one or more than one,

In the required fund calculation step 110, the necessary funds 70,

Living funds (71), housing funds (72), education funds (73), marriage funds (74), savings funds (75), premium payment funds (76), loan repayment amount (77), the funds for each year It is also characterized in that any one or more than one of the sum of the 70 to display in a table and / or graph and / or text,

In the secured fund calculation step 120, the secured fund 80,

For each year, any of the annual salary (81), deposit receipts (82), deposit receipts (83), monetary trust receipts, receipts of insurance maturity, supplementary receipts, cash receipts of stocks and bonds, dividend receipts, and the sum of the funds (80) It may be characterized by displaying one or more items in a table and / or graph and / or text.

In the comparative analysis step 130,

The sum of the necessary funds 70 calculated in the required fund calculation step 110, the sum of the secured funds 80 calculated in the secured fund calculation step 120, the difference between the sum of the secured funds and the sum of the required funds, and yearly It may be characterized in that any one or more of the analysis results of analyzing the difference is displayed in a table and / or graph and / or text,

In the additional input step 180,

It may be characterized by additionally inputting one or more of deposits, time deposits, money trusts, bonds, stocks, insurance, and loans.

The family information 10 input in the input step 100,

Current or future family members, one or more of a family's name (11), date of birth (12), sex (13), and time of marriage (14); The company information 20 is any one or more of the number of working years (21), the number of working years (22), the annual salary (23), and the estimated retirement money (24) at the time of retirement; The social indicators 30 are one or more of an inflation rate 31 and a wage increase rate 32; The regular living fund information 40 is one or more of the current monthly or yearly living expenses 41, monthly or yearly living expenses 42 after marriage, monthly or yearly living expenses after childbirth; The occasional living fund information (50) is one or more than one or more of the funding fund 51, the housing fund 52 and the marriage fund 53, the funding fund 51 is the parent's sixtieth, brother-in-law marriage, etc. It is a fund that is expected to be spent at irregular intervals, and the housing fund 52 is any one or more of housing purchase costs, housing improvement costs, housing rent, housing purchase time, housing improvement time, housing lease time, the marriage funds ( 53) is the money to be spent on my marriage or my child's marriage; The deposit product subscription item 61 may be any one or more of a financial company, a financial product name, monthly or quarterly or annual payment amount, payment period, maturity period, subscription period, interest rate, interest rate type, and payment period to date. Is; The insurance product subscription item 62 is any one or more of insurance company, insurance product name, monthly or quarterly or annual payment amount, payment period, maturity period, subscription period, payment period to date, refund amount at maturity ; The loan item 63 is any one or more of a financial company, a loan period, a loan amount, a maturity period, a maturity period, the number of months of redemption, interest payment amount, partial payment amount, interest rate; The additional income 64 is income generated in addition to the annual salary such as housing and store rental income and dividends; The other matters 65, one or more of a regular deposit matter, money trust, stocks, bond matters;

In the yearly living fund 71, the annual living fund or monthly living fund 41 or 42 input in the input step 100 and the inflation rate 31 input in the input step 100 are integrated. Calculated; The yearly housing fund 72, the housing purchase costs, housing improvement costs, housing rent input in the input step 100 until the housing purchase time, housing improvement time, housing lease period input in the input step 100 The inflation rate 31 is calculated by calculating the average amount divided by the period of? The educational fund for each year 73 is an educational fund for a user or spouse and / or a child or a planned child, input in the input step 100, at an age and an amount required to receive formal education stored in a database. Calculated by integrating the increase rate 31; The yearly marriage fund 74 is a fund for the marriage of a user or a child and a planned child, and is calculated by adding the inflation rate 31 to a marriage amount according to a gender classification stored in a database; The yearly savings payment amount 75, the yearly premium payment amount 76, and the yearly loan payment repayment amount 77, the monthly payment amount or premium payment amount or loan payment inputted in the input step 100 It is calculated by integrating the repayment amount;

The annual salary 81 is calculated by integrating the salary increase rate 32 and / or the rate of increase of ranks input to the salary 23 input in the input step; The amount of money received (83), the amount of money received (82), the amount of trust received, the amount of money received from the insurance, the amount of extra income received, the amount of cash received from stocks and bonds, the amount of dividends received, etc. It is calculated by integrating the interest rates of deposit receipts, money trust receipts, insurance maturity receipts, additional income receipts, cash receipts of stocks and bonds, dividend receipts, etc .;

Entering in the additional input step 180, savings, periodic deposits, money trusts, bonds, stocks, insurance, loan-related data may be characterized in that you enter the wishes to join or receive in the future.

The financial analysis program storage medium according to the present invention is characterized by storing a program programmed based on the financial analysis method.

The financial analysis system using the Internet network according to the present invention comprises a computer or server implementing each step of the financial analysis method, an Internet network connected to the computer or server, and one or more clients connected to the Internet network. An input step of receiving a user's personal information and money-related data from the Internet network; An analysis step of financial analysis based on the user's personal information and money-related data; And outputting the result of the financial analysis to the client through the internet network.

Hereinafter, with reference to the drawings will be described in detail. However, these drawings are for illustrative purposes only and the present invention is not limited thereto.

1 is a flowchart of an embodiment implemented by a financial analysis method according to the present invention. The flowchart may not exist from the inquiry step 160 to the correction step 240. That is, only the current financial analysis of the user may be provided, and the query step 160 to the correction step 240 may be inserted to determine the amount of investment or saving or loan.

2 is an input screen of an embodiment of the present invention. In this example, various contents are inputted on one screen by using a spreadsheet, but one item may be input on one screen and the screen may be moved to the next screen.

FIG. 3 is a screen reconfiguring that the input is completed in FIG. 2, and FIG. 2 and FIG. 3 are combined to form the data input step 100 of FIG.

4 is a step 110 of calculating the necessary funds 70 for each year based on the data input in FIG. 3. For example, the living fund 71 selects the living cost 41 and the post-marriage living cost 42 by dividing the pre-marriage and post-marriage, and multiply it by 12 months to convert it into an annual living cost, and the inflation rate by year ( 31) The housing fund 72 calculates a period for the initial purchase cost of the housing fund 52 and calculates that the housing fund 72 is required in the year, in which the inflation rate 31 is taken into account. The educational fund (73) is calculated by considering the inflation rate (31) from now to the current year based on the annual standardized education expenses (present value) databased according to the age of the child, and the marriage fund (74) is the marriage of the person or the child. The inflation rate 31 is considered in the standard marriage cost or the desired marriage cost according to the city. The savings 75 and the insurance premium 76 are calculated by multiplying the monthly payment amount of the savings 61 or insurance product 62 which is currently paid by 12 months, and the loan repayment 77 is the loan 63. It is calculated by calculating the interest repayment or installment repayment amount in the column and the repayment amount in lump sum at maturity. The graph at the bottom of the screen is processed as a graph so that the figures on the chart can be intuitively understood.

5 is a screen analyzing the yearly secured funds 80, the annual salary 81 is calculated in consideration of the inflation rate 31 in the annual salary 23 entered in Figure 2, the deposit receipt amount 82 is the figure The amount of money received at maturity is calculated by the time deposit, money trust, etc. 65 inputted in 2, and the amount of money received 83 is calculated by the amount received at maturity of the red goods 61 of FIG. Other (not shown) is calculated by summing the amount generated in the additional income 64 column of Figure 2, the sum (80) of the total salary (81), deposits (82), savings (83) and other fields The items were calculated and displayed graphically.

6 shows the difference between the necessary fund 70 and the secured fund 80 and the required fund 70 and the secured fund 80. Trend of the necessary funds 70 and the secured funds 80 by year, the required funds 70 is displayed as a bar graph secured funds 80 by a line graph so that the difference can be easily seen.

FIG. 7 is an evaluation (comment on comparative analysis, 140) with respect to FIG. 6, and there is a column for additional input 180 for savings and insurance products, and FIG. 1 based on the additional input 180 contents. Screen for re-establishing and outputting the stability plan through the required fund recalculation step (not shown on the screen of FIG. 7) and the secured fund recalculation step (200, not shown on the screen of FIG. 7) shown in the flowchart of FIG. 230 is displayed, and the comment 240 for the additionally outputted content 230 is displayed. The correction step 240 of FIG. 1 is to modify the content of the additional input 200 when the output result 230 is not satisfactory.

According to the present invention as described above, by analyzing the data by inputting personal information and money-related data, the analysis method having the effect of analyzing the individual's finances and determine the amount of investment or savings, etc. according to the analysis result Since it is designed to provide the customer with the bank, it is possible to consult how many years it is best to join the savings, and can analyze the individual's financial condition through the Internet using the same program. An individual has the effect of determining the appropriate saving or investment in his or her financial position.

Claims (33)

In the method for analyzing the financial status of the user using a computer system consisting of input means, storage means and output means and processing means, An input step of inputting personal information and financial data; Calculating a necessary fund for each year by using the personal information and money related data; A secured fund calculation step of calculating a secured fund for each year using the personal information and money related data; A comparison and analyzing step of comparing the calculated total of required funds for each year and the total of secured funds, and analyzing the data of the compared year's total required funds and total secured funds; An output step of outputting the input data, the required funds by year, the secured funds by year, and the comparative analysis data; Termination step of terminating the program; financial analysis method comprising a. The method of claim 1, Between the output step and the end step, An inquiry step of asking a user whether to establish a stability plan; A second terminating step of terminating the financial analysis when there is no request for establishing a stability plan in the querying step; An additional input step of inputting desired financial data when a request for establishing a stability plan is requested in the inquiry step; A first repetition step of performing the necessary fund calculation step, the secured fund calculation step, and the comparative analysis step again using the additionally inputted data and the personal information and money related data; An additional output step of outputting the additional input data and the reconstructed comparative analysis data; A modification step of asking the user whether to correct the content input in the additional input step; A second repetition step of performing again from the additional input step when there is a correction request in the correction step; If there is no correction request in the correction step, the financial analysis method further comprising the step of proceeding to the end step. The method of claim 1, The financial analysis method, characterized in that the necessary funds and the secured funds are calculated at a future value. The method of claim 2, The financial analysis method, characterized in that the necessary funds and the secured funds are calculated at a future value. The method according to any one of claims 1 to 4, Personal information and money-related data entered in the input step includes family, company, social indicators, regular living funds, irregular living funds, savings product subscriptions, insurance product subscriptions, loans, additional income, Financial analysis method, characterized in that any one or more of the other. The method according to any one of claims 1 to 4, In the step of calculating the necessary funds, the necessary funds represent one or more items of living funds, housing funds, education funds, marriage funds, savings fund, insurance payment funds, loan repayment amount, and sum of the funds for each year. And / or graphically and / or graphically display the financial analysis method. The method according to any one of claims 1 to 4, In the calculation of the secured funds, the secured funds may be any one of annual salary, deposit receipts, deposit receipts, money trust receipts, insurance maturity receipts, additional income receipts, cash receipts of stocks and bonds, dividend receipts, and the sum of the funds. A financial analysis method comprising displaying one or more items in a table and / or graph and / or text. The method according to any one of claims 1 to 4, In the comparative analysis step, an analysis result of analyzing the sum of necessary funds calculated in the required fund calculation step, the sum of the secured funds calculated in the secured fund calculation step, the difference between the sum of the secured funds and the sum of the required funds, and the difference for each year Financial analysis method, characterized in that any one or more than one of the items displayed in a table and / or graph and / or text. The method according to claim 2 or 4, In the additional input step, the financial analysis method, characterized in that additionally input any one or more of the savings, time deposit, money trust, bonds, stocks, insurance, loan-related data. The method of claim 5, The family information input in the input step, Current or future family members, one or more of the family's name, date of birth, sex, and time of marriage; The above company information, One or more of the number of working years to date, the number of years worked in the future, the annual salary, and the estimated retirement allowance at the time of retirement; The social indicators, One or more of an inflation rate and a wage increase rate; The above-mentioned regular living matters, Any one or more of the current monthly or annual living expenses, monthly or annual living expenses after marriage, monthly or annual living expenses after childbirth; The above mentioned occasional living funds, One or more of the fund, housing fund, and marriage fund, which is expected to be spent on an occasional basis, such as parental retirement or the marriage of a brother. Any one or more of the time of purchase, the period of improvement of the house, the period of lease of the house, and the marriage funds are the funds to be spent in the marriage or the marriage of the children; The savings product subscription details, Any one or more of a financial company, a financial product name, monthly or quarterly or annual payments, payment periods, maturity periods, subscription periods, interest rates, interest rate forms, and payment periods to date; The insurance product subscription details, One or more of an insurance company, an insurance product name, monthly or quarterly or annual payments, payment periods, maturity periods, subscription periods, payment periods to date, and refunds at maturity; The loan details, Any one or more of a financial company, a loan period, a loan amount, a deferment period, a maturity period, the number of months of repayment, interest payment amount, installment payment amount, and interest rate; The above additional income, Income other than salaries such as housing and store rental income and dividends; Above other things, Periodic deposit matters, money trusts, stocks, bonds any one or more of; financial analysis method characterized in that. The method of claim 6, The living funds, An annual living or monthly living fund, which is one of personal and financial data, and an inflation rate, which is one of personal and financial data, are calculated and accumulated; The housing fund, The average price divided by one of personal data and money-related data, such as housing purchase cost, home improvement cost, and housing rent, divided into periods from the time of purchase, home improvement time, and lease time to one of personal data and money-related data, The rate of increase is calculated by integrating; The educational fund, Educational funds for users or spouses and / or children or scheduled children, one of personal and financial data, calculated by integrating said inflation rate with the age and required amount of formal education stored in a database; The marriage funds, Funds for the marriage of a user or a child and a planned child, and are calculated by integrating the inflation rate with a marriage amount according to a gender classification stored in a database; The deposit payment amount, premium payment amount and loan repayment amount, Financial analysis method characterized in that it is calculated by accumulating the amount of monthly payment, premium payment amount or loan repayment amount, which is one of personal information and money related data. The method of claim 7, The annual salary for each year, An annual salary, which is one of personal and financial data, is calculated by integrating the rate of increase in wages and / or ranks, which is one of the personal and financial data; The deposit receipts, deposit receipts, money trust receipts, insurance due receipts, supplementary receipts, cash receipts of stocks and bonds, dividend receipts, etc. One of personal data and money-related data, such as savings receipts, deposit receipts, money receipts, insurance due receipts, insurance receipts of extra income, cash receipts of stocks and bonds, dividend receipts, etc .; Financial Analysis Method. The method of claim 9, The savings, time deposits, money trust, bonds, stocks, insurance, loan-related data, financial analysis method characterized in that you enter the wishes to join or receive in the future. A storage medium for storing a program programmed based on any one of claims 1 to 4. A storage medium for storing a program programmed in accordance with claim 5. A storage medium for storing a program programmed in accordance with claim 6. A storage medium for storing a program programmed in accordance with claim 7. A storage medium for storing a program programmed in accordance with claim 8. A storage medium for storing a program programmed in accordance with claim 9. A storage medium for storing a program programmed in accordance with claim 10. A storage medium for storing a program programmed in accordance with claim 11. A storage medium for storing a program programmed in accordance with claim 12. A storage medium for storing a program programmed in accordance with claim 13. Comprising a computer or server for implementing each step of any one of claims 1 to 4, an Internet network connected to the computer or server and one or more clients connected to the Internet network, An input step of receiving a user's personal image and money related data from the client through the Internet network; An analysis step of financial analysis based on the user's personal information and money-related data; And outputting the result of the financial analysis to the client through the internet network. Comprising a computer or server for implementing each step of claim 5, the Internet network connected to the computer or server and one or more clients connected to the Internet network, An input step of receiving a user's personal image and money related data from the client through the Internet network; An analysis step of financial analysis based on the user's personal information and money-related data; And outputting the result of the financial analysis to the client through the internet network. Comprising a computer or server implementing each step of claim 6, the Internet network connected to the computer or server and one or more clients connected to the Internet network, An input step of receiving a user's personal image and money related data from the client through the Internet network; An analysis step of financial analysis based on the user's personal information and money-related data; And outputting the result of the financial analysis to the client through the internet network. Comprising a computer or server for implementing each step of claim 7, an Internet network connected to the computer or server and one or more clients connected to the Internet network, An input step of receiving a user's personal image and money related data from the client through the Internet network; An analysis step of financial analysis based on the user's personal information and money-related data; And outputting the result of the financial analysis to the client through the internet network. Comprising a computer or server for implementing each step of claim 8, the Internet network connected to the computer or server and one or more clients connected to the Internet network, An input step of receiving a user's personal image and money related data from the client through the Internet network; An analysis step of financial analysis based on the user's personal information and money-related data; And outputting the result of the financial analysis to the client through the internet network. Comprising a computer or server for implementing each step of claim 9, the Internet network connected to the computer or server and one or more clients connected to the Internet network, An input step of receiving a user's personal image and money related data from the client through the Internet network; An analysis step of financial analysis based on the user's personal information and money-related data; And outputting the result of the financial analysis to the client through the internet network. Comprising a computer or server for implementing each step of claim 10, the Internet network connected to the computer or server and one or more clients connected to the Internet network, An input step of receiving a user's personal image and money related data from the client through the Internet network; An analysis step of financial analysis based on the user's personal information and money-related data; And outputting the result of the financial analysis to the client through the internet network. Comprising a computer or server implementing each step of claim 11, the Internet network connected to the computer or server and one or more clients connected to the Internet network, An input step of receiving a user's personal image and money related data from the client through the Internet network; An analysis step of financial analysis based on the user's personal information and money-related data; And outputting the result of the financial analysis to the client through the internet network. A computer or server implementing each of the steps of claim 12, an internet network connected to the computer or server, and one or more clients connected to the internet network, An input step of receiving a user's personal image and money-related data from the client through the Internet network; An analysis step of financial analysis based on the user's personal information and money-related data; And outputting the result of the financial analysis to the client through the internet network. Comprising a computer or server implementing each step of claim 13, the Internet network connected to the computer or server and one or more clients connected to the Internet network, An input step of receiving a user's personal image and money related data from the client through the Internet network; An analysis step of financial analysis based on the user's personal information and money-related data; And outputting the result of the financial analysis to the client through the internet network.