KR20010083859A - Method of risk management for human capital - Google Patents

Abstract

PURPOSE: A method for managing a risk of a human resources is provided to solicit an investment using a personal investing financial commodity as a security and make a value of one's human resources be approved by dividing intellectual capitals out of one's human resources into the personal investing financial commodity and constructing an investing financial commodity. CONSTITUTION: An investing financial commodity is constructed by dividing intellectual capitals out of one's personal human resources into an investing financial commodity and dividing a risk of the human resources from the person and transmitting the risk to an investor(S100). Securities offers stocks for public subscription of the investing financial commodity to investors(S300). A dividend is supplied to each stockholder with respect to a secured profit within a pre-fixed profit allotment limit fixed in an investing commodity period in accordance with stock possessing amounts(S500).

Description

Risk of Human Capital {Method of risk management for human capital}

The present invention is composed of investment financial products by separating the investable or cashable intellectual capital among human capitals, and listing the investment financial products on the human capital trading market. Encourage individual brands through financial transactions of stocks, secure current cash by securing future cash flows, and offer collusion to investors who invest risks in their investments It is about risk management method of human capital which enables to distribute risks.

In general, in the early days of capitalism, the form of investment invested in the real economy such as real estate, and now, by investing in financial products such as stocks, it generates profits with risk. In the future, however, human creativity, the intellectual capital of human capital, the rarest resource in existence, is the object of investment. It is now the time when these individuals' intellectual and labor powers are the basis for industrial development, which has brought about major changes in the economy and especially in the labor market. In the past, when organizational humans had sacrificed their homes for the organization they were in, free agents representing future workforces seek a balance between work and home. Therefore, the free agent, the new labor force, changes society and changes the world. There is a revolution in labor independence in the United States. In the early days of industrialization, when capitalists monopolized all the power of the labor field, the way of survival of the workers was only a conglomerate, and the workers formed a union to collectively fight against the unfair labor exploitation. But the new revolutionary way of life for workers and business today is surprisingly scattered. And it is the Free Agent that is drawing the flame of such revolution.

The labor that a free agent wants is to work at the time, in the place, in the place as desired, in the desired condition, and for the person who wants. In other words, everything is decided for themselves, responsible for the success of self-definition, free and truthful.

We have found confidence in the pre-agency work style and how we can manage risk in the pre-agent world after the revolution of labor independence.

Enabling this role consists of investing financial products of the human capital which can be invested, and listing them on the trading market to secure the cash needed now to secure the flow of future profits. It became necessary.

On the other hand, as the knowledge and information society develops, the importance of investment financial products is becoming more and more emphasized. Accordingly, human capital is appropriately protected and risk management for investment financial products is managed. There has been a demand for the development of a method.

Accordingly, the present invention, which was devised to meet the request as described above, is an investable, or cashable, intellectual capital of one's own human capital, i.e. the individual's future cash flow of revenue, many years of Separate annual salary contracts, records, and copyrights of books into individual investment financial products, constitute investment financial products and make investments so that they can be funded at the present time as collateral, and recognize their human capital by market evaluation Listed on the Human Stock Market for trading, providing investors the opportunity to invest in the rarest human capital in the future, while providing individuals with the current funding right away. To manage and manage future uncertainties, the risks associated with generating income, from oneself to investors. The aim is to provide a method for managing capital risk.

1 is a block diagram of a human capital investment offer and offer price relay system through a securities company in accordance with an embodiment of the present invention.

2 is a block diagram of a human capital investment call and call relay system through a direct transaction according to an embodiment of the present invention.

Figure 3 is a block diagram of the Internet / WAP network human capital investment offer and call price relay system through a securities company in accordance with an embodiment of the present invention.

4 is a block diagram of a public investment call and call relay system of the Internet / WAP network human capital through a direct transaction according to an embodiment of the present invention.

5 is a schematic flowchart of a human capital risk management method according to the present invention.

6 is a detailed flowchart illustrating a process of constructing an investment financial product of FIG. 5.

7 is a detailed flowchart of a process for conspiring the investor of FIG. 5.

FIG. 8 is a flowchart illustrating a process of calculating revenue after the competition of FIG. 5.

9 is a flowchart showing an embodiment of the present invention in connection with an employment site which is a member site for providing investment products according to the present invention.

<Description of the symbols for the main parts of the drawings>

10: Human capital investment call and offer price relay system 20: Payment agency server

30: Selling customer terminal 40: Buying customer terminal

50: Securities firms relay system 60: Internet / WAP network

70: Investment offer member site 80: Private network

100: web server 200: application server

300: DB server 400: Member DB

500: local network 600: competition DB

700: transaction DB

One embodiment of a system for implementing the method of the present invention for achieving this purpose is to use the wired and wireless browser to query the data on the intellectual capital products of the individual, and to publish the quotation information and conclusion information through the web Web server 100 and the application server 200, including application modules related to investment competition, transaction and settlement, and member db (400) containing member information, the competition db (600) containing investment financial product information It consists of a trading dB (700) containing the listed investment financial product transaction information and a local network (500) connecting the same. It is connected to the settlement agency server 20, the human capital investment competition and quotation price relay system 10 and the quotation price relay network 80 for the settlement, and to manage the registration of investment products, the purchase and It consists of a securities company relay system 50 for relaying the buy and sell of the customer, the buy customer terminal 40 connected to the securities company relay system 50, the sell customer terminal 30.

Another embodiment of a system for implementing the method of the present invention, a web server 100 for inquiring data on the intellectual capital products of the individual using a wired or wireless browser, and discloses the quotation information and the conclusion information through the web And application server 200, including application modules related to investment competition, transaction and settlement, member db (400) containing member information, public offering db (600) containing investment financial product information, listed investment finance It consists of a transaction dB (700) containing commodity transaction information and a local network network (500) connecting the human capital investment conspiracy and call price relay system (10) connected for investment conspiracy and transaction settlement on behalf of the payment The agency server 20, the human capital investment conspiracy and the offer price relay system (10) and the offer customer terminal 30 connected to the offer price relay network 80, the purchase customer terminal 40.

Another embodiment of the system for implementing the method of the present invention, the web server 100 for using the web browser to query the data on the intellectual capital products of the individual, and publish the quotation information and the conclusion information via the web and Application server 200, including application modules related to investment competition, transaction and settlement, member db (400) containing member information, public offering db (600) containing investment financial product information, listed investment financial products It is composed of transaction dB (700) containing transaction information and local network 500 connecting it. The server 20, the securities company relay system 50, which manages to register the investment product, and relays the buy and sell of the customer to buy and sell, the customer terminal 30 connected to the securities company relay system 50, It is composed of investment conspiracy member website 70 having members registering investment financial products connected to customer terminal 40, human capital investment conspiracy and quote relay system 10, and Internet / WAP network 60. .

Another embodiment of the system for implementing the method of the present invention, the web server 100 for using the web browser to query the data on the intellectual capital products of the individual, and publish the quotation information and the conclusion information via the web and Application server 200, including application modules related to investment competition, transaction and settlement, member db (400) containing member information, public offering db (600) containing investment financial product information, listed investment financial products It is composed of transaction dB (700) containing transaction information and local network 500 connecting it. Selling customer terminal 30 connected to server 20, human capital investment offer and quotation price relay system 10, purchase customer terminal 40, human capital investment offer and quotation price relay system 10 and Internet / WAP network (60) ) Is connected to the conspiracy members consist of investment websites (70) held by a member of a registered investment banking products.

Now, the preferred embodiment of the present invention will be described in detail with reference to FIGS. 1 to 9.

1 is a block diagram of a human capital investment offer and offer price relay system through a securities company implementing the method of the present invention.

In FIG. 1, the sell-and-buy customer terminal 30 and the buy-and-take-off terminal 40 of the selling customer are the human capital investment conspiracy and the offer price relay system 10 for implementing the method of the present invention through the communication network of the securities company implementing the present invention. Is connected to. As the communication network, an Internet / WAP network 60 network is mainly used, but is not limited thereto.

Sell and Buy Customers may be connected to securities firms via LAN, connected to securities firms using modems via landlines such as landlines, ISDN and ADSL, or through securities firms through wireless telephone networks.

The securities firm relay system 50 is connected to the human capital investment offer and bid price relay system 10 in which the present invention is implemented through the Internet / WAP network 60, and performs the sale and purchase order and payment processing.

In addition, the human capital investment offer and offer price relay system (10) discloses the offer price and conclusion information through the Internet / WAP network (60) network, and receives the member information of the website of the company having a member who wants to invest . Or, directly connected to the securities company relay system 50 through a dedicated communication line, the securities company relay system 50 receives and processes the stock transaction status information to sell, buy each of the customer terminal 30, buy Sending to the customer terminal 40, or the order of the selling customer, the buyer of the customer through the securities brokerage system 50 is to be able to transfer to the human capital investment competition and call price relay system 10 of the present invention.

In addition, the settlement agency server 20 receives the payment data of the human capital investment conspiracy and the offer price relay system 10 to which the present invention is carried out, performs payment processing to securities companies that supply each stock transaction conclusion information, and the margin of consignment here. Pay the customer entrusted.

Figure 2 is another embodiment of implementing the method of the present invention is a block diagram of the human capital investment offer and call price relay system through a direct transaction.

In Figure 2, the sell and buy customers are directly connected to the human capital investment call and call price relay system implementing the method of the present invention through a dedicated communication network implementing the present invention.

Sell and Buy Customers use modems via LAN, landline or ISDN, ADSL, and wired telephone networks, and may be connected via a wireless network.

Or through the dedicated communication line through the human capital investment competition and quotations relay system 10 to carry out the present invention is to be able to directly handle the work, such as ordering and confirmation of the conclusion.

In addition, the human capital investment offer and offer price relay system (10) discloses the offer price and conclusion information through the Internet / WAP network (60) network, and receives the member information of the website of the company having a member who wants to invest .

In addition, the settlement agent server 20 is connected to the human capital investment conspiracy and the quotes relay system 10 in which the present invention is carried out and connected to a dedicated line to receive payment data and perform payment processing according to the conclusion of each stock transaction. Make a payment to the customer.

3 is a block diagram of a public offering and quotation of a human capital investment through Internet / WAP network through a securities firm as another embodiment of the method of the present invention.

In Figure 3, the buyer, the buyer is connected to the human capital investment competition and call price relay system 10 to implement the method of the present invention through a communication network of the securities company implementing the present invention. As the communication network, an Internet / WAP network 60 network is mainly used, but is not limited thereto.

Sell and Buy Customers may be connected to securities firms via LAN, connected to securities firms using modems via landlines such as landlines, ISDN and ADSL, or through securities firms through wireless telephone networks.

The securities company is connected to the human capital investment open call and offer price relay system 10 in which the present invention is carried out through the Internet / WAP network 60, and performs the selling and buying orders and payment processing.

In addition, the human capital investment offer and offer price relay system (10) discloses the offer price and conclusion information through the Internet / WAP network (60) network, and receives the member information of the website of the company having a member who wants to invest . Or, directly connected to the securities company relay system 50 through a dedicated communication line, the securities company relay system 50 receives and processes the stock transaction status information sent to the buyer, seller, or to the buyer, buyer The order of the securities company relay system 50 through the human capital investment competition and call price relay system of the present invention or can be.

In addition, the settlement agency server 20 receives the payment data of the human capital investment conspiracy and the offer price relay system 10 to which the present invention is carried out, performs payment processing to securities companies that supply each stock transaction conclusion information, and the margin of consignment here. Pay the customer entrusted.

FIG. 4 is a block diagram of a public investment offer and call offering system for Internet / WAP network human capital through direct transactions according to another embodiment of the present invention.

In Figure 4, the sell and buy customers are directly connected to the human capital investment call and offer price relay system 10 implementing the method of the present invention through the Internet / WAP network 60 implementing the present invention.

Sell and Buy Customers use modems via LAN, landline or ISDN, ADSL, and wired telephone networks, and may be connected via a wireless network.

Or through the private communication line through the human capital investment competition and quotes relay system 10 to implement the present invention is to be able to directly handle the work, such as order and confirmation of the conclusion.

In addition, the human capital investment offer and offer price relay system (10) discloses the offer price and conclusion information through the Internet / WAP network (60) network, and receives the member information of the website of the company having a member who wants to invest .

In addition, the settlement agency server 20 is connected to the human capital investment competition and quotation price relay system 10 and the Internet / WAP network (60) network in which the present invention is implemented to receive payment data and to perform payment processing according to each stock transaction conclusion. The payment is made to the customer who entrusted the margin.

5 is a schematic flowchart of a human capital risk management method according to the present invention.

It consists of investment financial instruments in order to separate intellectual capital that can be invested or cashed out of human capital into investment financial instruments, and to separate the risk of human capital from the individual and transfer it to investors. At this time, the method of constructing investment financial instruments prior to the public offering stage should be composed of at least one of closed funds, open funds, matching funds, futures, options, financial derivatives, bonds, insurance and pension products. If it is impossible to collocate only with the human capital of a single individual, it is further required to have a bundling step in which several human capitals are collated together.

The investment financial instruments constituted in this way are reviewed by the rating agencies and the supervisory authorities.

The audit stage includes the disclosure of at least one of personal financial asset evaluation, credit research, personal valuation, personal brand evaluation, and personal asset total disclosure, and forms the disclosure data in the form of individual financial statements. Individuals who have passed the examination on the basis of such data are required to at least one of the insurance investment and the payment of the contract performance guarantee fund for the investment financial instrument. Investment funds investing in the commodities include general private investment, fund funds, and institutional investment.

In the public offering step for the public offering of the individual investment financial products, the institutional investors may further include converting the investment financial products of the individual into small loan products with a certain amount of collateral shares. In other words, financial institutions are allowed to borrow part or all of the shares issued by the individual at the public offering price and to acquire the shares as collateral.

Next, the listed securities are offered to be traded in a human capital trading market (Human Stock) that trades human capital. At this time, according to the value of the investment financial product before trading, the trading market is divided into an over-the-counter market, a first part market, and a second part market, and is immediately listed in one of these markets (step S300).

The transaction price for the investment financial product includes at least one of cash, in-kind, cyber money, and mileage.

The method further includes a hedging step of hedging the securities offered through the public offering of investment financial instruments with futures, options, and swaps traded in the human capital trading market (Human Stock).

In addition, the dividend is paid to each shareholder according to the amount of stock held with the profit secured up to the profit dividend pointed to the individual fiscal year or investment product (step S500).

6 is a detailed flowchart illustrating a process of constructing an investment financial product of FIG. 5.

Before composing the investment financial product, access to the Human Capital Investment Contest and Quotation Relay System (10) configured to implement the invention of the present invention, and after agreeing to the user agreement, provide personal information and related information to join the membership. After making a request, the system gives the user an ID and password. Or in partnership with a site that already has a large number of members without direct recruitment, to provide a web page where the members can enter into an agreement to use the system and receive additional information for using the system. In step S110.

In addition, it assigns a specific number to manage not only domestic individuals but also foreigners as a whole. This gives a unique number that distinguishes individuals around the world, such as the D-U-N-S Number, a unique number currently used by D & B to assess corporate credit worldwide. This number will be used to identify and authenticate the individual, regardless of what constitutes any investment financial instrument in the future. This numbering system is preferably configured as follows (step S120).

Code system = country code (3)-subscriber number (12)-check number (1)

At this time, the information input by the members providing the investment product is as follows. Member ID and password to identify the member, general personal information such as name, social security number, address, etc., e-mail address, payout when participating in the investment competition, or online through the website of the present invention after completion of the investment competition. At the time of a transaction, a transaction financial institution and account number referred to by a payment agent server to enable real-time payment, and a sovereign number and a shareholder's name, which is a list of shareholders, and an online account number of a securities company. The individual providing the investment product is also automatically entered as an investor.

In addition, an individual who wishes to issue securities has a public obligation to disclose securities, which is disclosed to stakeholders, such as investors, to ensure transparency in transactions and to distribute stocks to the general public so that the value of the company can be properly distributed. This is for evaluation. The disclosure system is divided into regular and occasional disclosures. Periodic disclosure shall be made within 90 days of the end of the individual's accounting settlement. Or, the public announcement shall be made at any time, and the unannounced disclosure will be announced for 10 business days through the Human Capital Investment Contest and Quotation Relay System (10) operating this service as a precautionary measure, and the trading transaction shall be suspended within three days. Therefore, a financial statement input web page is provided to the user to enter the financial statements of the individual on which this basis is based. On this provided web page, an individual registers and is audited personal financial statements using a human capital investment offer and quotation relay system of a company providing the service (step S130).

Individual financial statements use the form of general financial statements of individual business owners. The operator operating this system verifies the fairness of the financial statements by auditing the financial statements by an auditor certified by a certified public accountant or service operator to ensure the reliability of the investment. Make a delimited mark.

It also examines whether past financial registration requirements, dispersion requirements, capital change requirements, and other requirements are satisfied. For example, experience and financial requirements are shown in [Table 1], and the average table of average debt ratio of workers in the same industry is shown in [Table 2].

[Table 1] Career and Financial Requirements

[Table 2] Standard table of average debt ratio of workers in the same industry

Dispersion requirements are divided into collusion and mood dispersion. The competition should be at least 30% or more than 10% of the total number of shares issued, and a small number of shareholders must be at least five, for example, as a result of recruiting a certain scale, for example 10,000 to 50,000 shares, depending on the amount of equity capital. Or, as a pre-distribution condition, at least 30% or 10% or more of the total number of issued shares as of the preliminary examination request date shall be owned by five or more minority shareholders of 10,000 to 50,000 shares. However, the above-mentioned dispersion requirement may not be satisfied in agreements with financial institutions at the time of competition.

Capital change requirements include restrictions on rights offerings and free offerings. The limit of paid-in capital increase shall be limited to 100% or less of the capital two months before one month before the registration application date. In other words, the increase in capital due to recruitment, including individual CB and BW, is excluded. The limit of the free increase will be less than 100% of the capital 2 months before the application for registration, and the reserve rate after free increase will be more than 100%.

For other requirements, the explanation is divided into capital change, audit opinion, litigation and bankruptcy, obligor, and other conditions. Changes to the capital allow for registration if the free capital increase ratio is less than or equal to 100% of the capital for two months prior to the application for registration, but if the capital increase exceeds 100%. The opinion of the auditor is that the auditor's opinion on the financial statements of the last fiscal year was reported to the general shareholders' meeting. In case of litigation and default, there is no dispute such as litigation which will have a significant impact on the individual. As the continued holding obligation, the largest shareholder and related parties shall be prohibited from selling for six months, for example, from the date of registration, and after six months, up to 5% of the first holding may be sold.

In the case of investment by financial institutions and corporate investors, the sale of shares up to 10% of the capital as of the date of application is prohibited for sale for three months after registration, except for six months if the investment period is less than one year. In other cases, the face value may be one of 100, 200, 500, 1000, 2500, 5000 won (step S140).

After inputting the basic information as described above, the human capital investment offer and quotation relay system 10 provides a web page to separate the investmentable products to the individual and input the corresponding information into the investment financial product DB. On this page, enter information such as investment product name, investment product type, basis for issuance of securities, expected profit, number of shares to be issued, shareholder information, share ratio by shareholder, and accounting period.

Or, if it is impossible to collocate with a single individual's human capital, have a bundling step to bundle several human capital together. To this end, this system is based on the member DB (400), the same alumni, alumni, the same industry, the same company, etc. to provide the member information can be searched for a number of conditions, and if you find a member through his bookmark function It can be stored in the investment pool. After contacting each other offline, go to the step of constructing the human capital investment product and repeat. At this time, the most famous individual member shall register the relevant product when registering the investment product.

At this time, the member who registers the human capital as an investment product receives the web page from the web browser of the personal terminal by clicking the investment financial product registration menu on the web page provided by accessing the website of the present invention.

At this time, the received web page is provided with a registration button and a delete button, investment product code, item, type of business, classification, investment product name, investment product type, basis for issuing securities, expected profit, number of shares to be issued, shareholder information, Shareholders' equity ratio and accounting period are provided.

The customer who registers the investment product enters the code into the investment product code, enters the item into the item, inputs the industry into the business type, selects the over-the-counter market, the first and second part markets, and the investment product name and investment. After entering the product type, the basis of issuance of securities, the expected profit, the number of shares expected to be issued, the shareholder information, the share ratio of each shareholder, and the accounting period, you can apply for registration by clicking the register button (step S150).

In addition, when an investor is registered as an investor, the investor can sign up as an investor by clicking on the investor join button on the web page, expressing their consent to the terms, and entering investor information. After signing up and registering, you can access the system that implements the present invention, and the web page provided to the investor member is displayed.

The web page includes a log button, order / view menu, stock quote menu, investment analysis menu, human capital investment financial product registration menu, customer center menu, and human capital investment financial product securities. And a password input window, and the customer's sign-up button, the current top 10 stocks, the current bottom 10 stocks, the current top 10 stocks, and the personal ranking 100, the stock market of human capital investment financial products Human Capital Investment Financial Instruments to Know Stock Market Index, 10-Minute Graph of Comprehensive Index to Know HC Composite Index 100, Newly Registered Investment Finance to Identify Newly Registered Human Capital A product announcement column, a breaking news notice column, a recommended human capital investment financial product stock announcement column, a notice column, and the like are provided.

7 is a detailed flowchart of a process for conspiring the investor of FIG. 5.

As described above, individuals who meet certain requirements by registering and auditing the financial statements of the issuer of securities select a securities controller to issue their securities. The securities controller shall be selected from the securities issuer of the current company or a fictitious securities controller authorized by the operator of the service. The securities controller configures the service operator to take the place of the service manager by default unless specified by the individual (step S310).

When the investment financial product is registered in the above, the individual agrees to the terms and conditions of the securities issuance registration and securities prepared by the securities controller, and prepares a securities preliminary examination claim. Before preparing the securities preliminary examination bill, the asset value and the profit value are calculated through the securities analysis. Based on this, the intrinsic value is calculated, and the public offering price is calculated through the calculation of relative value and business value.

Hope Offering Price = (Intrinsic Value + Relative Value + Business Value) / 3

First of all, the method of calculating asset value and profit value is calculated according to the regulations on securities acquisition business. The method of calculating the intrinsic value is calculated by weighted average of 1 and 1.5, respectively, according to the current regulations on securities acquisition.

In other words, the intrinsic value is the intrinsic value of a company based on the issuer's current net asset value (assess value) and future profit-making ability (revenue value). If this is expressed as an expression, it is as follows.

Intrinsic Value = (Asset Value * 1 + Revenue Value * 1.5) / 2.5

. Asset Value, Net Asset Value / Total Number of Shares Issued

Revenue value is calculated based on estimated financial statements for the next two business years.

Revenue value = Estimated earnings per share (based on the total number of shares issued after the offering) / Return on capital

Estimated earnings per share = (Estimate earnings per share for the first year * 3 + Estimated earnings per share for the second year * 2) / 5

Capital reduction rate = 1 year fixed deposit minimum interest rate * 1.5

Next, relative value calculation is the comparative value of individuals calculated by comparing the valuation indicators of the issuer and the other individual based on the stock price of each job category. The method of estimating similar individuals is selected by the weekly securities company for listed individuals in the same industry as the issuer. Capital of Issuer. Listed individuals with the most similar sales volume, earnings per share, and service composition ratios are two or more listed individuals whose ordinary income is at least 10% of face value and net assets per share are greater than face value. However, over-the-counter registration shall be selected from individuals who are newly listed or three months after registration. The comparative value equation for each individual is as follows.

Recurring earnings per share (issued per share) = (share price * recurring earnings per share) + similar per share asset / 2

Ordinary income per share: The average value of ordinary income per share for the last business year and ordinary income per share for the previous business year.

Net Assets Per Share = Net Assets / Total Shares Issued

Stock prices of similar individuals = average closing price for one month from the day before the analysis date

The method of calculating the relative value calculated as above is a value obtained by discounting at least 30% of the average value of the comparative values of similar individuals, and when the discounted value of 30% or more exceeds the average value of similar individual stocks, Calculate the mean as relative value.

Next, the business value estimating method adds an arithmetic mean of the ratios calculated in three cases to the essential value.

a). Future growth rate of issuer

b). Expected premium premium rate compared to the intrinsic value applied to the issuer and the individual

c). Ratio based on other reasonable data

Business value = a) + b) + c) / 3

When the securities analysis is completed as described above (step S320), a preliminary registration examination bill is prepared based on this (step S330). It is classified into the general and financial matters of the individual, the stocks to be registered and the stocks to be submitted, and this information is described. General and financial considerations of individuals include capital, assets, sales, net income and debt ratios. Matters concerning stocks to be registered include stock items, face value per share, number of shares issued and number of shares to be registered. Matters concerning the stocks to be submitted include the type of stock, number of shares, expected price per share, total offering price and expected ratio, expected date of competition, the intrinsic value of the registered item dealer, asset value and value of profit.

Based on this, the final public offering price is determined based on the demand forecasting result. Demand forecasting is as follows.

First, we suggest the public offering price. Expected offering price = within 25% of securities analysis results. Afterwards, application for participation in demand forecasting is received from institutional investors, high-yield securities investment trusts, securities companies, and financial institutions. Calculate the weighted average price considering the credit rating of each participant. If the volume of application exceeds twice the number of public offerings, the top and bottom 10% will be excluded. The credit rating of each participant is applied to the ratio set by the operator of the service (step S340).

The offering price is determined within 30% of the weighted average price. The allocation rate is 65% for institutional investors and 35% for general subscribers (step S360).

The allocation rate can be changed flexibly depending on the case. Subsequently, when the securities company or the operating system company announces the offer and the allocation and payment are completed according to the subscription result (step S 370), the stock is allocated (step S380), and the stock is listed on the trading market (step S390). The transaction is made (step S400).

In more detail, the above-mentioned public offering process will be described. First, when an investor selects a human capital investment financial product for which an investment is underway by accessing a website that implements the method of the present invention, an investment related to the relevant item is in progress. Human capital investment financial instruments, which are in progress or are in progress, are classified by item. Among the above items, if the investment banker who intends to invest is "Park Eun-il", select "Pak Eun-il" and proceed to the next step. After checking the disclosure data such as “Park Eun-il” of the public offering of the product, reviewing the disclosure data of the investment product, and checking whether there is any merit in the investment, if you decide to invest, “Investment participation” "Button. If you decide to participate in the investment, click the "Join investment" button and proceed to the next step. Then, enter the stock information and simple personal information for membership confirmation, select any one of the payment method such as giro transfer, bank transfer, credit card, etc., and then press the "Payment" button to complete the competition application. Among the payment methods of the public offering price, the account transfer and credit card are the human capital investment competition and quotation relay system which is an embodiment of the present invention to financial institutions, such as banks, securities companies, and credit card companies, in which members are pre-determined with online deposit and withdrawal ( In (10), the account should be able to withdraw and withdraw money in real time. If you do not have a financial institution registered or do not want to pay online, you can choose a method of giro remittance.

At this time, the public investment step for the public investment of the individual investment financial products further comprises the step of converting the investment financial products of the individual into a small loan product with a certain amount of collateral shares to collateral.

In other words, financial institutions can borrow part or all of the shares issued by an individual at the public offering price and allow the shares to be acquired as collateral. In order to convert the stock into a loan product or the like, it is determined by mutual agreement with the financial institution. If the investment product registrant agrees to the conversion, after agreeing to the agreement, he receives a loan amount from a financial institution, and changes the name of the investment product to the financial institution.

After the above steps, after the payment of the investment application principal is confirmed, after a certain period, it is possible to make a transaction on the website for implementing the method of the present invention.

The opening hours of the human capital investment offer and quotation offer system in which the present invention is implemented are single sheets from 6 am to 9 pm on weekdays, and are closed on Sundays and at the end of the year for three days. First, 100% of the margin will be deposited in advance and the cyber money will be paid.

The price range is limited to +/- 15% and +/- 12% for Part 1 and Part 2 markets, respectively. Orders can be placed on a weekly basis. The unit of quotation is shown in the following table.

[Table 3] Unit Price of Stock Price Per Share Price

The contracting method adopts a countermeasure trading method in which the sale is concluded only when the selling price and the buying price of the same item are identical, and if there is the same price, the first priority is applied to the person who made the first price.

Payment is deducted through the account transfer method from the company operating the payment agency server 20 at the end of the third day after the conclusion, resale before payment is not allowed. Capital gains tax, securities transaction tax, etc., added using this system must be paid. Make credit transactions impossible.

Next, a more detailed example of the trading process of listing and holding stocks held by investors is as follows.

The investor receives the web page by clicking the order / view menu on the web page implementing the method of the present invention, and then clicks the over-the-counter item on the buy stock button of the provided web page, and enters the investment product code field in the received web page. You can check the number of purchases by code by entering the code in the box and clicking the search button. You can also check the number of purchases by item by entering the item in the item input box and clicking the search button. Then, the stock can be bought by clicking the provided buy button.

In addition, the investor receives the web page by clicking the purchase status of each item, which is a sub-menu provided in the stock purchase button, and can grasp the purchase status of each item through the purchase status table of the item of the received web page.

In addition, when an investor wishes to sell a stock, he / she clicks the order / view menu on the homepage, and then clicks the stock sell menu on the submenu, and then receives the webpage. After confirming, the user can sell the desired stock by clicking the sell order button.

In addition, when an investor wishes to cancel an order, he / she will receive a web page by clicking the Order / View menu on the homepage, and then click the Order Cancel menu on the sub-menu to sell the order cancellation column on the order table on the day. You can cancel the sell order by clicking on the order button.

In addition, when an investor wants to enter into a search, he / she clicks the order / search menu on the homepage and then clicks the check inquiry menu on the sub-menu to receive a web page and input the period to search in the period input box. By clicking, you can search the order execution history of the desired period.You can check the order execution history by receiving the day order execution details table by clicking the Inquiry on the same day and check the order execution history by the day. can confirm.

In addition, when an investor wants to check the account balance, he / she can click on the order / view menu on the homepage, and then click on the account balance inquiry menu in the sub-menu to receive a web page, check the account balance, and retain the account balance. You can check the stock details and check the valuation totals in the Valuation Table.

FIG. 8 is a flowchart illustrating a process of calculating revenue after the competition of FIG. 5.

As shown in FIG. 8, the member wishing to trade sees the market condition displayed on the web page, and transmits a buy or sell order to the web server 11 (step S510). The transaction is concluded (step S520), and the transaction confirmation message is sent to the buyer and the seller to confirm the transaction (step S530). Then, the payment agency server 20 makes a payment request to the payment account selected by the buyer for the amount corresponding to the transaction amount of the step and the corresponding online payment financial institution received the payment request is the amount requested to be paid to the payment agency server 20. Pay the equivalent amount. The payment agent server 20 then transfers the amount of money deposited from the buyer's payment account to the payment account selected by the seller, and then confirms the transfer (step S540).

Alternatively, the settlement procedure of the investment product in which the investment product of the investment product is defined is the day after the time of profit distribution of the investment product or at a certain time within a predetermined period of the investment product (step S520) by sending a transaction confirmation message to the investor. After confirming the transaction (step S530), the profit of the investment product is transferred to each investor's account according to the ownership ratio of the corresponding product, and is settled (step S540).

Another preferred embodiment for carrying out the method of the present invention through FIG. 9 is a system configuration for carrying out the present invention in connection with a job site which is an investment product providing member site according to the present invention, using a web browser to Human capital investment offer and offer price relay system (10) for inquiring data on capital goods and access for investment offer and transaction, settlement agency server (20) for payment, human capital investment offer and offer offer relay system ( 10) connected to the Selling Customer Terminal 30, Buying Customer Terminal 40, Human Capital Investment Contest and Price-Bid Relay System (10) and Internet / WAP Network (60). It is preferably composed of an investment consortium member website (70).

The method of the present invention will be described with reference to FIG. 9 in connection with a job site providing an investment product providing member site according to the present invention.

When a member accesses the website and enters an ID and password to access a job site providing an investment product, a web page asking the member whether or not to register as a member of the website providing the service of the present invention is displayed on the Internet / Provided to the web browser of the member terminal through the WAP network (60). When the member of the employment site clicks the sign-up button, he / she accesses the human capital investment offer and offer price relay system 10 which provides the service of the present invention, expresses his / her consent to the user agreement, and provides personal information and related information. After requesting a membership, the system gives the user an ID and password, and stores the information in the system (step S610).

In addition, it assigns a specific number to manage not only domestic individuals but also foreigners as a whole. This gives a unique number that distinguishes individuals around the world, such as the D-U-N-S Number, a unique number currently used by D & B to assess corporate credit worldwide. This number will be used to identify and authenticate the individual, regardless of what constitutes any investment financial instrument in the future. This numbering system is preferably assigned as follows (step S620).

Code system = country code (3)-subscriber number (12)-check number (1)

Next, provide members with a web page where they enter information to use the system. At this time, the information input by the members providing the investment product is as follows. Member ID and password to identify the member, general personal information such as name, social security number, address, etc., e-mail address, payout when participating in the investment competition, or online through the website of the present invention after the investment competition is completed. At the time of transaction, it consists of a trading financial institution and account number referred to by the payment agent server to enable real-time payment, and its online account number such as a stockholder number and shareholder name, a securities company which becomes a shareholder list. The individual providing the investment product is also automatically entered as an investor.

In addition, an individual who wishes to issue securities has a public obligation to disclose securities, which is disclosed to stakeholders, such as investors, to ensure transparency in transactions and to distribute stocks to the general public so that the value of the company can be properly distributed. This is for evaluation. The disclosure system is divided into regular and occasional disclosures. Periodic disclosure shall be made within 90 days of the end of the individual's accounting settlement. Or, the public announcement shall be made at any time, and the unannounced disclosure will be announced for 10 business days through the Human Capital Investment Contest and Quotation Relay System (10) operating this service as a precautionary measure, and the trading transaction shall be suspended within three days. Therefore, a financial statement input web page is provided to the user to input the financial statements of the individual on which this basis is based (step S640).

On this provided webpage, an individual registers and reviews personal financial statements using the company's human capital investment offer and quotation service system.

Individual financial statements use the form of general financial statements of individual business owners. The operator operating this system verifies the fairness of the financial statements by auditing the financial statements by an auditor certified by a certified public accountant or service operator to ensure the reliability of the investment. Make a delimited mark.

After inputting the basic information as described above, the human capital investment offer and quotation relay system 10 provides a web page to separate the investmentable products to the individual and input the corresponding information into the investment financial product DB. On this page, information such as investment product name, investment product type, securities issuance basis, expected profit, number of shares to be issued, shareholder information, share ratio of each shareholder, and accounting period are entered (step S640).

At this time, a member who registers human capital as an investment product receives a web page to a web browser of a personal terminal by clicking the investment financial product registration menu on the homepage provided by accessing the website of the present invention.

At this time, the received web page is provided with a registration button and a delete button, investment product code, item, type of business, classification, name of investment product, type of investment product, basis for issuance of securities, expected profit, number of shares to be issued, shareholder information, shareholder Each stake and settlement period are in place.

The customer who registers the investment product enters the code into the investment product code, enters the item into the item, inputs the industry into the business type, selects the over-the-counter market, the first and second part markets, and the investment product name and investment. You can apply for registration by entering the product type, the basis of issuance of securities, the expected profit, the number of shares to be issued, shareholder information, share ratio by shareholders, and accounting period.

For example, to select an investment financial product, the annual salary of the member's human capital is selected and explained as follows. The investment product name is “Park Eun-il's annual salary in 2001”, and the investment product type is a closed fund that cannot be traded after subscription. If the company's final salary is 25 million won based on the issuance of securities, its fixed rate is 10%, or 2.5 million won. Collusion is possible. When issued at 500 won per share, 5,000 shares are issued. Estimated earnings are expected annual salary of 30 million won, which is the difference from final salary of 5 million won. This product is composed of individuals alone. The accounting period for settlement shall be one year from the date of employment. When the member reaches one year, the profit on the stock is settled and the right of the commodity expires.

Or, if it is impossible to collocate with a single individual's human capital, have a bundling step to bundle several human capital together. To this end, this system is based on the member DB (400), the same alumni, alumni, the same industry, the same company, etc. to provide the member information can be searched for a number of conditions, and if you find a member through his bookmark function It can be stored in the investment pool. After contacting each other offline, go to the step of constructing the human capital investment product and repeat. At this time, the most famous individual member shall register the relevant product when registering the investment product.

The member issues a premium to the investment financial product, and in this method, the premium is given according to the credit, transaction, assets, liabilities, etc. (step S650). An example of a rating table is shown below.

[Table 4] Percentage of Premium Coverage by Membership Level

In addition, when an investor is registered as an investor, the investor can sign up as an investor by clicking on the investor join button on the web page, expressing their consent to the terms, and entering investor information. After completing the membership registration and registration, when accessing the system for implementing the present invention, the homepage provided to the investor member appears.

The web page of the website implementing the method of the present invention includes a log button, an order / view menu, a stock price menu, an investment analysis menu, a human capital investment financial instrument registration menu, a customer center menu, and a description of human capital investment financial instruments. A menu is provided, and a login input window and a password input window are provided, and a top ten list for viewing a customer registration button, a current stock top 10, a current stock bottom 10, a current trading volume 10, and a personal rating 100 Human Capital Investment Financial Instruments Securities Stock Market Status Table, Investment Composite Stock Market Stock Market Index, Comprehensive 10-Minute Graph for Urban Comprehensive HC Index 100, Newly Registered Human Capital Announcement of Newly Registered Investment Financial Instruments, Information of Breaking News, Recommended Human Capital Investment Financial Instruments A rebellion and the like are provided.

As described above, when an investor joins as a member and accesses the website for implementing the present invention, the above information can be viewed.

Separately, an individual who registers an investment financial instrument registers and audits the financial statements of an individual who issues securities, and individuals who meet certain requirements select securities controllers to issue their securities. The securities controller shall be selected from the securities issuer of the current company or a fictitious securities controller authorized by the operator of the service. If the securities controller is not designated by the individual, the service operator takes over by default (step S660).

When the investment financial product is registered in the above, the individual agrees to the terms and conditions of the securities issuance registration and securities prepared by the securities controller, and prepares a securities preliminary examination claim. Before preparing the securities preliminary examination bill, the asset value and the profit value are calculated through the securities analysis (step S670).

The final offering price is determined for the demand forecasting result. Demand forecasting is as follows.

First, we suggest the public offering price. Expected offering price = within 25% of securities analysis results. After that, the application for participation in demand forecasting is received from institutional investors, high-yield securities investment trusts, securities companies, financial institutions, service operators of the present invention, and the like. Calculate the weighted average price considering the credit rating of each participant. If the volume of application exceeds twice the number of public offerings, the top and bottom 10% will be excluded. The credit rating of each participant is applied at a rate determined by the operator of the service (step S 680).

The intrinsic value is calculated based on this, and the public offering price is calculated through the calculation of relative value and business value (step S690). In this example, the desired public offering price is simply calculated as follows.

Desired offer price = final salary * Premium rate

Based on the final salary as described above, the applicants are screened and then the investments are made. In the website where the method of the present invention is implemented, if a human capital investment financial product for which investment is being held is selected, the human capital investment financial products that are in progress or are going to be invested related to the item are classified by item (step) S710).

At this time, the public investment step of the public offering private investment financial products further comprises the step of converting the investment financial products of the individual into a small loan product with a certain amount of collateral shares of collusion. In other words, financial institutions can borrow part or all of the shares issued by an individual at the public offering price and allow the shares to be acquired as collateral.

In order to convert the stock into a loan product or the like, it is determined by mutual agreement with the financial institution. If the investment product registrant agrees to the conversion, he / she accepts the agreement and receives the loan amount from the financial institution, and changes the name of the investment product to the financial institution.

To explain this in more detail, information on investment products can be found in the information section of the job search section of the job site. When the investor and the member click on this button, the investor data of the system is saved. The page is sent to the web browser of the investor and job posting terminal and printed. The period of offering and offering subscriptions for these investment financial instruments shall be applied for until the individual's employment contract is completed. In this stage, if a financial institution intends to make a small loan on the investment financial instrument, if it agrees with the financial institution by submitting the terms and conditions agreed upon in advance to the member who provided the investment financial instrument, it shall pledge as part or all of the shares issued. The loan is completed by depositing the member's contract account (step S720).

Among the above items, if the investment banker who is willing to invest is "Park Eun-il 2001 Salary", select "Park Eun-il 2001 Salary" and proceed to the next step. After checking the disclosure data such as “Park Eun-il” of the public offering of the product, reviewing the disclosure data of the investment product, and checking whether there is any merit in the investment, if you decide to invest, “investment participation” at the bottom right "Button. If you decide to participate in the investment, click the "Join investment" button and proceed to the next step. Then, enter the number of shares and simple personal information for membership confirmation, select any one of the payment method such as giro transfer, bank transfer, credit card, etc., and press the "Payment" button to complete the competition application. Among the payment methods of the public offering price, the account transfer and credit card are the human capital investment competition and quotation relay system which is an embodiment of the present invention to financial institutions, such as banks, securities companies, and credit card companies, in which members are pre-determined with online deposit and withdrawal ( In (10), the account should be able to withdraw and withdraw money in real time. If the member does not have a financial institution registered, or do not want to pay online, you may choose a method of giro remittance (step S730).

After the above steps, after the payment of the investment application shares are confirmed, after a certain period of time, the stock is allocated according to the holding shares in the website of the present invention. It stores the stock number and shareholder number in the member db of the customer. In addition, when the investor wants to check the account balance, by clicking the account balance inquiry menu from the website of the present invention, a web page is sent to check the account balance, the stock history table in the stock history table, The evaluation total amount can be confirmed in the evaluation total amount table (step S740).

In this embodiment, since the investment financial instrument is composed of a closed fund, no transaction up to the return on investment occurs. Check whether the settlement period has been set for each investment financial instrument (step S 750), and if the settlement period is exceeded, the profit is distributed according to the shareholding ratio of the investment instrument and the investment instrument is terminated. That is, in the case of a general private investor, when the member who provided the investment financial product is hired and concludes a salary contract, the investment return through the investment is determined, and the return on investment is allocated to the payment option, that is, the total share of the investment financial product. And make a payment to the contractor's account of the investor according to the payment of the fixed amount at regular intervals. Payment for settlement is settled through the account transfer method from the company that operates the payment agency server 20 on the third day after the expiration date of the settlement period, the sale before settlement is not allowed. Capital gains tax, securities transaction tax, etc., added using this system must be paid. The credit transaction is made impossible (step S760).

Although the present invention has been described in detail using the preferred embodiments, the scope of the present invention is not limited to the specific embodiments, and should be interpreted by the appended claims.

According to the present invention, human capital or intellectual capital is rising as the most valuable resource among intangible assets, which has the effect of establishing the basis for commodifying our rarest resource, that is, human capital. It also has the effect of effectively commodifying outstanding human capital to raise the necessary funds and create a market for trading.

In addition, to achieve the highest level of return for all economic agents, risks must be selected within the range that the economic system can afford, but the higher the level of risk, the higher the need for a social safety net. It can work.

In addition, according to the present invention there is an effect that can attract and maintain more powerful human capital than others in the employment war of the business world that requires the most human capital.

In addition, the individual issuing securities can raise funds through the financial market directly, and it has the effect of enhancing the brand publicity and credibility of the individual.

Investors can be provided with new means of investment, providing liquidity and opportunities for repayment of existing securities. The creation of fair prices also protects investors from unfair and fraudulent transactions.

It has the effect of holding the shares of promising individuals and giving them the opportunity to invest in early stages.

In addition, stockholders' money back guarantees the ability of investors to return investment.

Through the present invention, in the case of a recruitment company, by investing in the employee to be hired, it is possible to secure future profits of the employee, to improve the employee's personal ability and investment investment smoothly, the past company gives the employee the stock option In the passive workforce management that draws out the labor force, it is effective to provide an active method of recruiting and retaining employees to directly invest in the future wealth of the individual to secure the stake in the future wealth of the employee.

Claims (32)

Investigate data on individual intellectual capital products by using a wired / wireless browser, and register a human capital investment competition and bid-and-receive relay system, payment agency server, and investment products for payment. Private human capital investment competition consisting of securities firm relay system, which relays buy and sell of buyers and sellers, a bidding network exclusively connecting securities brokerage system and bidding relay system, sell customer terminals connected to securities firm relay system, and buy customer terminals And in the human capital risk management method using the quote price relay system, A step of constructing an investment financial product in which an individual divides the risks of human capital by separating the investable and cashable intellectual capital among the human capitals into investment financial products into an investment financial product; A public offering step of conspiring to the investor through the Internet / WAP network; A settlement step of settlement of the profits generated from the investment financial instruments invested in the investors after the public offering; Human capital risk management method, including. The method of claim 1, Human capital risk management method further comprising the step of assigning a unique identification code that can identify and authenticate individuals around the world before the investment financial products. The method according to claim 1 or 2, The unique identification code comprises a country code-user control number-check code. The method of claim 1, wherein the step of constructing the investment financial instrument The method of constructing an investment financial instrument prior to the public offering step further includes the step of constructing at least one of a closed fund, an open fund, a matching fund, a future, an option, a swap, a financial derivative, a bond, an insurance and a pension product. Characterized by human capital risk management method. The method of claim 1 or 4, wherein the step of constructing the investment financial instrument The human capital risk management method, characterized in that it further comprises a bundling step of bundling a number of human capital into a single investment financial product if the investment financial product can not be composed only of individual human capital. The method of claim 1, Investment financial instruments have a lifespan for a fixed period of time, and investments in end-of-life instruments are subject to a fixed settlement process. How to manage. The method of claim 1, Human capital risk management method comprising the step of further comprising the screening after the investment financial products. 8. The method of claim 1 or 7, wherein the audit step is The screening step includes at least one of personal financial asset evaluation, credit research, personal valuation, personal brand evaluation, and personal asset total disclosure. The method of claim 1, wherein the competition stage for the offering of investment financial instruments A method for managing human capital risk, comprising at least one of insurance purchase and contract execution guarantee fund payment for an investment financial product. The method according to claim 1 or 9, A method for managing human capital risk, comprising the step of storing and managing a log of contents subscribed to by the investor in the investment financial product as a database. The method of claim 1, A human capital risk management method further comprising a trading step of trading securities subscribed through an investment in a financial instrument in a human capital trading market (Human Stock). The method of claim 1, Human capital risk further comprising a hedging step for hedge against futures, options, and swaps traded in human capital trading human capital for securities subscribed through investment financing How to manage. The method according to claim 1 or 9, Human capital risk further comprising the step of converting the individual investment financial products into small loans by collaborating with a certain amount of collateral shares at the time of the public offering of the individual investment financial products. How to manage. The method of claim 1, Human capital risk management method, characterized in that the investment is general private investment, fund funds, institutional investment. The method of claim 1 or 11, wherein the trading step A method for managing human capital risk, further comprising dividing the trading market into an over-the-counter, one-part market, and two-part market based on the value of the investment financial instrument before trading. The method according to claim 1 or 11, wherein Human capital risk management method characterized in that the transaction for the investment financial product comprises at least one of cash, cash in kind, cyber money, mileage. Using the web browser, you can search the data on the intellectual capital products of individuals, organize the human capital investment competition and bid-and-receive relay system, the settlement service server for billing settlement, and investment products for investment competition and transaction. Securities firm relay system that relays the buy and sell of customers to the stock market, buy and sell, the customer terminal connected to the securities firm relay system, the buyer terminal, human capital investment offer and bid and demand relay system and the Internet / WAP network In the method of managing human capital risks using the private human capital investment competition and the quote-based relay system composed of investment website member websites with registered members, A step of constructing an investment financial product in which an individual divides the risks of human capital by separating the investable and cashable intellectual capital among the human capitals into investment financial products into an investment financial product; A public offering step of conspiring to the investor through the Internet / WAP network; A settlement step of settlement of the profits generated from the investment financial instruments invested in the investors after the public offering; Human capital risk management method, including the. The method of claim 17, Human capital risk management method further comprising the step of assigning a unique identification code that can identify and authenticate individuals around the world before the investment financial products. The method of claim 17 or 18, The unique identification code comprises a country code-user control number-check code. 18. The method of claim 17, wherein constructing the investment financial instrument The method of constructing an investment financial instrument prior to the public offering step further includes the step of constructing at least one of a closed fund, an open fund, a matching fund, a future, an option, a swap, a financial derivative, a bond, an insurance and a pension product. Characterized by human capital risk management method. 21. The method of claim 17 or 20, wherein the step of constructing the investment financial instrument The human capital risk management method, characterized in that it further comprises a bundling step of bundling a number of human capital into a single investment financial product if the investment financial product can not be composed only of individual human capital. The method of claim 17, Investment financial instruments have a lifespan for a fixed period of time, and investments in end-of-life instruments are subject to a fixed settlement process. How to manage. The method of claim 17, Human capital risk management method comprising the step of further comprising the screening after the investment financial products. 24. The method of claim 17 or 23, wherein the audit step is The screening step includes at least one of personal financial asset evaluation, credit research, personal valuation, personal brand evaluation, and personal asset total disclosure. 18. The method of claim 17, wherein the competition stage for the offering of investment financial instruments A method for managing human capital risk, comprising at least one of insurance purchase and contract execution guarantee fund payment for an investment financial product. The method of claim 17 or 25, A method for managing human capital risk, comprising the step of storing and managing a log of contents subscribed to by the investor in the investment financial product as a database. The method of claim 17, A human capital risk management method further comprising a trading step of trading securities subscribed through an investment in a financial instrument in a human capital trading market (Human Stock). The method of claim 17, Human capital risk further comprising a hedging step for hedging of futures, options, and swaps traded in human capital trading human capital for securities subscribed through investment offerings. How to manage. The method of claim 17 or 25, Human capital risk further comprising the step of converting the individual investment financial products into small loans by collaborating with a certain amount of collateral shares at the time of the public offering of the individual investment financial products. How to manage. The method of claim 17, Human capital risk management method, characterized in that the investment is general private investment, fund funds, institutional investment. 28. The method of claim 17 or 27 wherein the trading step is A method for managing human capital risk, further comprising dividing the trading market into an over-the-counter, one-part market, and two-part market based on the value of the investment financial instrument before trading. 28. The method of claim 17 or 27 wherein Human capital risk management method characterized in that the transaction for the investment financial product comprises at least one of cash, cash in kind, cyber money, mileage.