KR20020085499A - Financial Assets Management System and Financial Assets Management Method - Google Patents

Abstract

PURPOSE: A system and method for managing a financial property is provided to suggest the optimum portfolio with respect to a financial capital in real time and reorganize a portfolio in a rapidly changing investment circumstance according as a foreign exchange market, a financial market, and real estate are opened. CONSTITUTION: If various kinds of economic indicators are inputted from an economic indicator input unit(S1), calculating units calculate a proper interest, a proper stock exchange index, and a proper exchange rate with respect to each commodity(S2). If market information is inputted from a market information input unit(S3), a market index is calculated in a transaction market of each commodity and an index difference rate is calculated by comparing the market index with a proper index(S4). The calculated index difference rate is compared with a reference difference rate. If the calculated index difference rate is more than the reference difference rate(S5), a buying and selling are indicated(S7). A buying and selling of a financial capital are achieved automatically or in accordance with an instruction of a financial capital manager, and a reorganization a portfolio is achieved(S8,S9).

Description

Financial Assets Management System and Financial Assets Management Method}

The present invention relates to a financial asset management system and method for operating a financial asset, and in particular, financial asset management to ensure the stability and profitability of financial assets at the same time using an information processing device and / or information and communication network It is about the recording medium which contains the system and financial asset management method and the program for realizing it.

Recently, with the rapid development of Internet-related information and communication technology and the rapid progress of globalization and openness in the capital market, various methods of financial asset management have been proposed to replace conventional management / operation methods of financial assets. .

Korean Patent Application Publication No. 2000-0064020 "Investment Analysis System and Operation Method Using Network" selects various financial products such as trust products, stock products, derivatives, real estate investment products, and provides profit results for each product. The investment analysis system is composed of a user terminal that can receive and an investment analysis server that is connected through the user terminal and the network and performs various information and advice on expected returns and investment products.

Korean Unexamined Patent Publication No. 2000-0024609, "Method and system for operating a fund through the Internet", consists of a home management server, a product evaluation server, and a fund management server. The company provides customers with various types of tangible and intangible product information, collects this information, calculates the company value, and uses it to determine the company to invest in funding.

U.S. Patent No. 6,021,397, "Financial Advisory System," provides the convenience of selecting financial products through interactive simulation training by creating answer scenarios for optimal portfolio allocation. The answer scenarios for each of the different classes of assets can be generated based on previously evaluated future scenarios for one or more economic factors, providing a financial advisory system for portfolio mapping of one or more financial products based on the asset classes. do.

PCT Application Publication WO99 / 05625 "Investment Advice and Pension Asset Management System" provides a system for collecting, monitoring and managing data from revenue plan participants and beneficiaries, revenue plan sponsors and fund managers. The investment management function and investment management value, the investment advice function of the participant, and the investment advice price are handled in a separate state.

These technologies are provided to provide asset management companies and investment analysis techniques using communication networks such as computers or the Internet.However, the underlying investment techniques and portfolio techniques are at the level of classical investment techniques, so they are more scientific and stable asset management techniques. This is required to be provided.

The classical portfolio technique is a diversification technique to reduce unsystematic risk, but the classical diversification technique often results in a decrease in profitability. The classical investment theory was developed on the basis of economic principles in a closed economy society governed by the principle of finite competition under the fixed exchange rate system, but recently moved to an open economy society governed by the principle of infinite competition under the variable exchange rate system. In a society in which the financial sector has a bigger weight than the real sector, there is a need to change the investment theory to a new form.

For example, as the endless competition intensified in the open economy and the liberalization of the foreign exchange market, portfolio techniques that operate financial assets based on bonds and stocks, which are conventional investment techniques, are not suitable for real investment. Got a lot. Classic portfolio investment techniques attempt to avoid risk by dividing the number of stock investments into stocks with different characteristics, or simply by diversifying stocks and bonds. However, in the recent investment environment after the foreign exchange market was opened, the stock, bond and real estate markets tended to rise or fall together, and the trend is repeated in the same manner.

This is not an exaggeration to say that the influence of foreign capital has increased with the opening of financial and real estate markets. In addition, foreign currency deposit limits for Koreans, which were also recognized as reverse discrimination between Koreans and foreigners, have recently been abolished, along with the rapidly changing environment for foreign exchange investment, such as currency futures, foreign exchange futures, and currency swaps. Attention is very high. However, there is no established theory of investment in foreign exchange investment, and there are no techniques for investing foreign exchange in financial asset management.

On the other hand, since information and communication technology is developing rapidly, most information is disclosed to most investors at almost the same time, and changes in market variables are quickly reflected in the market. It is likely to result in a loss of profit and rather a greater loss. As a result, information technology related to financial investment, which is recently released to the market, tends to be focused on obtaining information more quickly.However, no matter how quickly the information is obtained, the instantaneous effect of increasing the investment profit will be reduced. It is only. In other words, without a new tool to analyze the macroscopic flow, there is a limit to increasing the actual return on investment, but rather the undesirable phenomenon of losing the return on investment with one loss is repeated.

Therefore, macroscopic analysis of the movement of the entire economy becomes more important than microscopic analysis of the rapidly changing investment environment, and the necessity of operating financial funds in consideration of the exchange rate fluctuation from the global perspective rather than the national perspective. This is getting bigger. In addition, new techniques are proposed to enable stable asset management based on scientific analysis of bond, stock, real estate and currency markets.

The present invention is in accordance with the above-mentioned conventional demands, which is based on the general phenomenon that the market material influences the price of various financial products in the market for a short time, while most of the time is a slight fluctuation based on a reasonable price. The financial asset management system and financial asset management system can present an optimal portfolio of financial assets in real time in a rapidly changing investment environment in accordance with foreign exchange growth, financial market and real estate market opening. Its purpose is to provide a record carrier that contains methods and programs for implementing financial asset management methods.

In particular, in accordance with the present invention, a fair price is calculated for these financial instruments in consideration of the fact that stock index, interest rate, exchange rate, real estate value, and future asset value of other derivatives have deep interworking. The financial asset management system and financial asset management method, which provides information on the direction of portfolio reorganization by calculating the separation rate between the estimated fair price and the current price, and a recording medium containing a program for realizing the financial asset management method. There is another purpose.

As a result, financial asset management managers can directly or automatically process the portfolio to reorganize their portfolios optimally based on this information, and manage financial assets with stability and profitability. do.

1 is an embodiment block diagram showing the overall configuration of a financial asset management system according to the present invention;

FIG. 2 is a flowchart illustrating an embodiment of a financial asset management process using the financial asset management system illustrated in FIG. 1;

3 is a flowchart illustrating an exemplary process of starting from a proper interest rate calculation unit of the financial asset management system shown in FIG. 1 and reorganizing a portfolio of bond products;

4 is a flowchart illustrating a process of starting from an appropriate stock index calculation unit of the financial asset management system shown in FIG. 1 to reorganizing a portfolio for trading a stock product;

FIG. 5 is a flowchart illustrating an exemplary process of starting from an appropriate exchange rate calculator of the financial asset management system shown in FIG. 1 to reorganizing a portfolio for trading foreign exchange products.

6 is a diagram for explaining a relationship between a reference exchange rate and an appropriate exchange rate in relation to a buy, sell position and urgent sell and buy positions for foreign exchange;

FIG. 7 is a flowchart illustrating an embodiment of a process of calculating an appropriate price for a real estate financial product of the financial asset management system of FIG. 1 and a process of reorganizing a portfolio by trading a real estate financial product.

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

1: Financial asset management system 21, 31. User terminal

22: Financial Information System 32: Order Processor

33: wireless network terminal

According to the first aspect of the present invention, which is provided as a means for realizing the above-described conventional technical problem, the total amount of assets is sold by trading one or more of bond products, stock products, foreign currency products, and real estate financial products as financial asset reserves. In financial asset management methods operated to increase, expected economic growth rate (%), expected inflation rate (%), current market interest rate (%), and government interest rate stabilization will (0% to 1) A temporary fair rate is calculated using the economic index input step of inputting the%), the expected economic growth rate, the expected price increase rate, and the interest rate stability index, which are input in the input step, and is set in advance to the calculated temporary fair rate. The appropriate interest rate calculation step of calculating the appropriate interest rate by adding the risk premium, compares the current market interest rate entered in the input step with the appropriate interest rate. When the interest rate separation rate calculating step and the interest rate separation rate calculated in the interest rate separation rate calculating step indicate that "market interest rate is higher than the first reference rate relative to the appropriate interest rate", a bond buying signal is generated, and "market bond interest rate" Provides a method of operating a financial asset comprising the step of generating a bond selling signal that generates a bond selling signal.

By providing a financial asset management method of such a configuration, even in a rapidly changing investment environment, a computer can be used to calculate the appropriate interest rate using a more scientific method and to present the trading direction of the bond investment to the asset manager or the customer. It became.

In addition, according to the present invention, the above-described method for managing financial assets includes an input step of inputting a market interest rate and a superior bond rank for each bond product, and a recording step of recording the market interest rate for each bond product input in the input step. When the bond buying signal generation unit generates a bond buying signal, when the expected economic growth rate input in the economic index input step increases, recommending a bond item having a high market interest rate, and entering the estimated economic growth rate slows down. At this point, it is also desirable to include a step for recommending bond investment items that recommends good bond items.

By adopting this structure, it is possible to provide a financial asset management method that can reduce the risk and increase the return on investment by referring to the list of recorded bond products based on the judgment of whether the investment environment is good or bad.

In addition, according to the financial asset management method of the present invention, for the bond item recommended in the bond investment item recommendation step, the purchase order processing step of performing a purchase order processing within the investment funds compared to a predetermined subsidy fund so as to include It is desirable to. By providing this kind of financial asset management method, it is possible to minimize the risk and maximize the return on investment by securing a certain amount of cash.

Further, according to a more preferred aspect of the present invention, the first reference rate and the second reference rate is preferably 10% of the appropriate interest rate, respectively.

In addition, according to the second aspect of the present invention, in the financial asset management method operating to increase the total amount of assets by trading one or more of bond products, stock products, currency exchange products and real estate financial products with financial asset reserves, Economic index input step for inputting expected economic growth rate (%), expected inflation rate (%), current market interest rate (%), and government's interest rate stabilization index (0% ~ 1%) Calculate the appropriate interest rate by calculating the preliminary fair rate based on the expected economic growth rate, the expected inflation rate, and the interest rate stability index, and add the preset risk premium to the calculated temporary fair rate. Step, and the appropriate interest rate calculated in the step of calculating the appropriate interest rate and the expected economic growth rate to set the appropriate market average share price return (PER) It provides a financial asset management method comprising the step of calculating the average stock price return, and calculating the appropriate stock index from the appropriate market average stock returns.

By providing this method of managing financial assets, it is possible to calculate the stock price index scientifically immediately in the market in a rapidly changing stock investment environment. As a result, investors or managers of financial assets can increase their return on their assets.

According to the present invention, a purchase signal is generated when an input step of inputting a current stock index and the current stock index is less than or equal to a third reference rate than the proper stock index calculated in the calculating of the appropriate stock index, and the current stock index is generated. If the stock index is more than the fourth reference rate than the calculated stock index calculated in the step of calculating the appropriate stock index it is also included in the trading signal generation step of generating a selling signal.

As a result, it is possible to perform a system trading that performs mechanical trading based only on the trading signal, thereby increasing the ROI of system trading through the existing computer and communication network.

In addition, according to the present invention, the above-described financial asset management method includes calculating the influence on the stock price index for each item of the stock market and presenting the index influence by rank, and generating the stock purchase signal in the trading signal generation step. It is preferable to also include a buy item recommendation step that provides a list of items by index influence rank calculated in the index influence calculation step.

By adopting this arrangement, it is possible to provide a technology that can automate the selection process of stock items.

In addition, in the aforementioned financial asset management method, the buy item recommendation step ranks the degree of influence on each company's return rate according to interest rate fluctuations and exchange rate fluctuations according to the trading items of the stock market, and provides a list of items by rank. .

As a result, even in stock investment based on the fair value index calculation, it is possible to increase the return on system trading by automating the process of selecting stocks in consideration of exchange rate fluctuations.

In addition, according to the present invention, it is more preferable that the buy item recommendation step further includes a buy order processing step of performing a buy order process for the recommended item within the investment fund compared to a predetermined fund. As a result, it is possible to automate the process of managing investment risk by appropriately adjusting cash reserves.

In addition, in the aforementioned financial asset management method, it is preferable that the third and fourth reference rates be 5% of the appropriate interest rates, respectively.

In addition, according to the present invention, in the above-described financial asset management method, it is very preferable that the calculation of the appropriate interest rate level is calculated according to the following equation.

Fair interest rate = expected economic growth rate (%) + expected inflation rate (%)-government's interest rate stabilization index (0% ~ 1%) + risk premium (about 1%)

In the above equation, the government's interest rate stabilization conversion index is 0% to 1%, which is converted according to the pre-set criteria according to the announced policy, and the stronger the announced interest rate stabilization will be closer to 1%, and there is no interest rate stabilization at all. It is 0% in the case of neglect, the risk premium is 1 ± 0.3%, it is determined in advance by each bond, and 0% in the case of government bonds.

By providing the present invention having such a configuration, a proper interest rate can be calculated on a more scientific basis.

Meanwhile, in calculating the appropriate interest rate of the financial asset management method described above, the expected economic growth rate is the median of the quarterly revised forecasts from a number of predetermined economic institutes, etc., and the expected inflation rate is the government forecast revised quarterly. do. As a result, the utilization rate of the expected economic growth rate announced by each research institute can be increased more effectively.

In addition, according to the third aspect of the present invention, in the financial asset management method operating to increase the total amount of assets by trading one or more of bond products, stock products, currency exchange products and real estate financial products with financial asset reserves, A standard exchange rate setting step of calculating and storing the exchange rate of the Korean won against the Japanese yen as a multiple of a value, an input step of inputting an expected US economic growth rate, an evaluation step of the US economic growth rate calculating the rate of change of the US economic growth rate, and Standard exchange rate that increases the exchange rate of the won against the Japanese yen set by the standard exchange rate setting unit by K% (K = (export ratio of Korea's GDP-export ratio of Japan's GDP) * 10%) according to the slowdown of US economic growth rate of 1% Setting the change and calculating the appropriate exchange rate for calculating the appropriate exchange rate of the dollar against the dollar by substituting the exchange rate of the won against the yen against the yen against the dollar. It provides a method for operating a financial asset, comprising the step.

As a result, the appropriate price for the exchange rate against the foreign currency of the won, which is highly dependent on foreign currency, is calculated in a more scientific way, reflecting economic indicators in the overseas market, and based on this, the basis for suggesting the management direction of financial assets is presented. It was possible to provide.

According to the financial asset management method of the present invention, an input step of inputting an expected economic growth rate of Korea, a recording step of accumulating and recording an expected economic growth rate input from the input unit, and calculating a change rate of the recorded expected economic growth rate In addition, if the rate of change exceeds the fifth threshold, an appropriate exchange rate correction calculation step is also included.

In particular, the fifth standard rate at this time is 50%, it is preferable that a certain ratio of the appropriate exchange rate level is 20%.

By adopting such a configuration, it is possible to maximize the return rate by more accurately predicting the appropriate exchange rate level based on the economic growth rate not only in the overseas market but also in the domestic market. .

In addition, in the aforementioned financial asset management method, a buy signal to buy foreign currency is generated when the appropriate exchange rate is greater than or equal to the sixth standard rate compared to the market exchange rate. It is also good to include the traffic signal generation step of generating a.

By adopting such a configuration, it is possible to perform mechanical trading based on trading signals, thereby improving the yield of system trading in forex trading.

In addition, according to the fourth aspect of the present invention, in the financial asset management method operating to increase the total amount of assets by trading any one or more of bond products, stock products, exchange rate products and real estate financial products with financial asset reserves, For each financial instrument, the fair value of the real estate financial instrument is calculated based on the fair price calculation stage, which calculates the fair price by applying the capital reduction method, and the fair price calculated in the fair price calculation stage. The step of calculating the fair price of the financial instrument, the step of calculating the separation rate of the present price of the real estate financial product to the fair value of the real estate financial product, and the separation rate calculated in the step of calculating the separation rate is "the current value of the real estate financial product is appropriate Real estate financial instruments, Generating a buying signal for the real estate product and indicating that the present value of the real estate financial product is higher than the ninth reference rate relative to the fair price of the financial product; Provide financial management method.

By adopting such a configuration, it is possible to scientifically calculate the appropriate price for real estate financial products to maximize the return on investment.

In addition, according to the fifth aspect of the present invention, in the financial asset management method operating to increase the total amount of assets by trading one or more of bond products, stock products, exchange rate products and real estate financial products with financial asset reserves, If the appropriate exchange rate calculated by applying the financial asset management method presented in the third aspect described above is higher than the market exchange rate by more than the tenth reference rate (which is greater than the reference rate that generates a foreign currency buying signal), Provides a financial asset management method and a financial asset management system that sells all bond products and generates financial product trading signals to purchase foreign currency products.

In addition, if the appropriate exchange rate calculated by applying the financial asset management method presented in the third aspect described above is lower than the market exchange rate, which is higher than the 11th reference rate (the value greater than the reference rate that generates a foreign currency selling signal), Provides a financial asset management method and a financial asset management system that sells and generates a financial product trading signal to purchase at least one financial product among real estate financial products, stock products or bond products.

By providing the present invention having such a configuration, it is possible to operate financial assets more stably in an environment in which the influence of foreign exchange has increased due to the opening of the foreign exchange market. In particular, it has improved the adaptability to the investment environment that is sensitive to exchange rate fluctuations due to the recent opening of the financial market, and predicted exchange rate fluctuations. As the investment position can be determined, Koreans can minimize their investment losses due to exchange rate fluctuations while maximizing their investment profit.

In addition, according to the sixth aspect of the present invention, in the financial asset management system operating to increase the total amount of assets by trading any one or more of bond products, stock products, exchange rate products and real estate financial products as financial asset reserves, Market index (or market price) for each financial instrument, expected economic growth rate (%), expected inflation rate (%), current market rate (%) and government's willingness to stabilize interest rate (0% to 1%) An economic index input unit for inputting economic indicators such as a yen exchange rate against a dollar and a US economic growth rate, an economic index input unit for calculating an appropriate index (or an appropriate price) for each financial product based on the economic indicators inputted from the economic index input unit; And calculating a separation rate for calculating an index separation rate indicating how far the input market index for each product is spaced from the appropriate index for each product calculated from the appropriate price calculator. And, a recording unit for recording the reference separation rate set by the financial asset manager in advance for each financial product, and determining whether the index separation rate calculated from the separation rate calculation unit exceeds the reference separation rate. It provides a financial asset management system comprising a trading signal generating unit for notifying the purchase or sell direction for the product.

As a result, financial assets held by customers, etc., can be operated in conjunction with exchange rate changes in foreign exchange transactions.

In particular, it is preferable to calculate the appropriate interest rate according to the following equation.

Fair rate = expected economic growth rate (%) + expected inflation rate (%)-government's interest rate stabilization index (0% to 1%) + risk premium (about 1%),

At this time, the government's interest rate stabilization index is 0% to 1%, which is converted according to the preset criteria according to the announced policy, and the stronger the announced interest rate stabilization is, the closer to 1%, and no interest rate stabilization will exist. 0% for the state. In addition, the risk premium is 1 ± 0.3%, which is determined in advance by bonds, and 0% for government bonds.

In addition, in the above-mentioned financial asset management system, the fair value calculator includes, as an initial value, a reference exchange rate setting unit that calculates and stores the exchange rate of the Korean won against the Japanese yen in a predetermined multiple, an input unit for inputting the expected economic growth rate of the US, and a change in the US economic growth rate. The exchange rate of the won against the Japanese yen set in the base rate setting unit according to the US economic growth rate evaluating unit calculating the ratio and the 1% slowing in the US economic growth rate is calculated by K% (K = It is preferable to include a standard exchange rate change setting unit for increasing the export ratio) * 10%) and an appropriate exchange rate calculating unit for calculating the appropriate exchange rate of the dollar against the won by substituting the exchange rate of the won against the yen against the yen against the dollar. . In addition, the reference separation rate may be determined according to the investment tendency of the owner of the financial asset set in advance through the examination.

In addition, according to the present invention, it is more preferable that the buy or sell signal generated by the trading signal generator is notified to the remote financial asset operator through the data communication network. In addition, it is even more preferable to include a trading processor for restructuring the portfolio by changing the investment ratio of the investment product through the trading of financial assets in accordance with the buy or sell signal generated by the trading signal generator. As a result, even in the case of ordinary investors, the investment direction can be determined based on only trading signals in the rapidly changing investment environment, thereby increasing the return on investment and helping to stabilize the financial market.

In addition, according to the present invention provides a financial asset management method in the financial asset management system of the sixth aspect described above.

The present invention is a financial asset management system having a microprocessor and operating to increase the total amount of assets by trading at least one of bond products, stock products, currency exchange products, and real estate financial products with financial asset reserves. Economic index input step for inputting expected economic growth rate (%), expected inflation rate (%), current market interest rate (%), and government interest rate stability index (0% ~ 1%), and the economy The temporary optimal interest rate is calculated using the expected economic growth rate, the expected inflation rate, and the interest rate stability index (0% to 1%) input at the index input stage, and the preset risk premium is added to the calculated temporary fair rate. Calculating the separation rate by comparing the appropriate interest rate calculation step of calculating the appropriate interest rate and the current market interest rate and the appropriate interest rate inputted in the economic index input step. When the interest rate separation rate calculation step and the interest rate separation rate calculated in the interest rate separation rate calculation step indicates that "market interest rate is higher than the first reference rate relative to the appropriate interest rate", a bond buying signal is generated, and "market bond interest rate is compared with the appropriate interest rate." Lower than the second reference rate "provides a computer-readable recording medium containing a program for realizing a bond sale signal generation step of generating a bond sale signal.

In addition, quarterly announcements are made to the financial asset management system, which is equipped with a microprocessor and operates to increase the total amount of assets by buying and selling at least one of bond products, stock products, exchange rate products, and real estate financial products as financial asset reserves. An economic index input step of inputting an expected economic growth rate (%), an expected inflation rate (%), a current market interest rate (%), and a government's interest rate stabilization index (0% to 1%); Calculate the temporary optimal interest rate by inputting the expected economic growth rate, the expected inflation rate, and the interest rate stabilization index (0% to 1%), and add the preset risk premium to the calculated temporary optimal interest rate. Appropriate market average stock return (PER) by summing up the appropriate interest rate calculation step, the appropriate interest rate calculated in the appropriate interest rate calculation step, and the expected economic growth rate A computer-readable recording medium is provided that includes a program for calculating an appropriate market average stock return rate and a program for calculating an appropriate stock index index from the appropriate market average stock return rate.

In addition, it is equipped with a microprocessor, the financial asset management system that operates to increase the total amount of assets by trading at least one of bond products, stock products, foreign currency products and real estate financial products as financial asset reserves, A standard exchange rate setting step of calculating and storing the exchange rate of the Korean won against the Japanese yen in a predetermined multiple, an input step of inputting an estimated US economic growth rate, an evaluation step of the US economic growth rate calculating the rate of change of the US economic growth rate, and the US economy Set the base rate change to increase the exchange rate of the won against the Japanese yen set by the standard exchange rate setting unit by K% (K = (export ratio of Korean GDP-export ratio of Japan GDP) * 10%) according to the slowing growth rate of 1%. And calculating the appropriate exchange rate of the dollar against the won by substituting the exchange rate of the won against the yen against the yen against the dollar. A computer readable recording medium containing a program for realizing the step of calculating the exchange rate is provided.

In addition, a real estate financial product is provided in a financial asset management system that is equipped with a microprocessor and operates to increase the total amount of assets by trading at least one of bond products, stock products, foreign currency products and real estate financial products as financial asset reserves. For each real estate owned by the relevant real estate financial instrument, the appropriate real estate price calculation step is applied to calculate the appropriate price by applying the capital reduction method and the appropriate real estate financial product calculation price is calculated based on the appropriate real estate price calculated in the appropriate price calculation step. In the step of calculating the fair value of the commodity, the step of calculating the separation rate of the present price of the real estate financial product with respect to the fair price of the real estate financial product, and the separation rate calculated in the step of calculating the separation rate, Lower than the eighth threshold " When a buy signal for a financial instrument is issued and an indication is that the current value of the real estate financial instrument is higher than the ninth base rate relative to the fair value of the financial instrument, the real estate financial instrument trading signal generation phase that generates a sell signal for the real estate financial instrument is realized. It provides a computer-readable recording medium containing a program to make.

Hereinafter, with reference to the accompanying drawings to explain the configuration of the present invention in more detail.

1 illustrates an embodiment of a financial asset management system 1 according to the present invention, and connection of terminal devices 21, 22, 31, and 32 connected to a network with the financial asset management system (which is a server device). A schematic diagram illustrating the state.

As shown in FIG. 1, the financial asset management system 1 of the present invention includes an economic indicator input unit 15 and a market information input unit 16 as an input unit, and an appropriate interest rate calculation unit as an operation unit for calculating an appropriate index. (11), an appropriate stock index calculation unit 12, an appropriate exchange rate calculation unit 13, and a real estate financial product proper price calculation unit 14 are included.

In addition, the financial asset management system 1 generates a trading signal by comparing the separation rate calculated by the separation rate calculation unit 17 and the separation rate calculation unit 17 with the standard separation rate to calculate the degree of separation of the market price relative to the appropriate price. A trading signal generator 18 is provided.

The trading signal generated by the trading signal generator 18 is notified to the information consumer by the trading signal notification unit 20, and the trading processor 21 invests in each of the financial products in a manner specified based on the trading signal. Trading is carried out to change the ratio, portfolio formation ratio, etc.

A manager terminal indicated by reference numeral 21 may be a personal computer known as a terminal device for inputting various setting input signals and data necessary for the operation of a financial asset under financial management by a financial asset manager or the like.

Reference numeral 22 denotes an information providing system, which may be located together with the manager terminal device 21 or may be provided in a separate data center, or an information communication network such as a local area network (LAN), the Internet, an intranet, or the like. Through the financial asset management system 1, real-time stock price information, bond information, exchange rate information and the like.

Reference numeral " 31 " denotes an information confirmation terminal provided on the customer side, and is connected to the financial asset management system 1 by wire through a modem or a dedicated line to receive and process necessary information.

Reference numeral 33 denotes a wireless terminal for checking information provided on the client side so as to be connected to the financial asset management system 1 through a wireless network. In particular, when the information confirmation wireless terminal 33 is provided for the wireless Internet, it is very desirable to provide a lot of convenience to the customer.

In addition, reference numeral 32 denotes an order processing system that enables processing of real-time orders and the like, and when such a system is used, a user may pre-determine trading conditions such as a selling price, a selling rate, and a standard separation rate. It is very convenient to buy and sell stocks, bonds, foreign exchange and real estate financial products.

2 is a diagram illustrating a process of operating a financial asset in accordance with the financial asset management system 1 having such a configuration.

As shown in this figure, when various economic indices are input from the economic index input unit 15 (step S1), the calculation units 11 to 14 for calculating the appropriate indices are appropriate indices, that is, appropriate interest rates for respective products. , The appropriate stock index and the appropriate exchange rate are calculated (step S2). When market information is input from the market information input unit 16 (step S3), the market index in the trading market of each product is calculated, and the index index is calculated by comparing the market index with the appropriate index (step S4).

The index spacings thus obtained are compared with the reference spacing rate, which is the reference value, respectively, and in the state of not exceeding the reference spacing rate (from step S5 to step S6), the current reference spacing rate and the index spacing rate are notified to the financial asset manager or manager, and the investment is made. See also.

On the other hand, if the index separation rate is greater than the standard separation rate, and it is determined that the proper index and the market index are more than the ratio determined based on the standard (from step S5 to S7), a trading signal instructing trading is issued. For example, if the appropriate index is calculated higher than the market index, it means that the price of the product is undervalued, and then a buy signal for the product is issued. On the other hand, if the fair index is lower than the market index, it means that the extent of the product has been overvalued, thus signaling a sell-off of the financial instrument in hand.

Then, the trading of the financial asset is made according to the automatic or financial asset manager's instruction and the portfolio is finally reorganized (steps S8 to S9).

3 to 5 calculate a proper interest rate, an appropriate stock index, and a proper exchange rate in the processing flow chart shown in FIG. 2, and compare the current market rate, the market stock index, and the market exchange rate when the separation rate is a predetermined level or more, a trading signal The process of generating and generating a portfolio and reorganizing the portfolio is shown as a separate application for each financial instrument.

3 to 5, the configuration of FIG. 1 will be described in more detail. What is most important in the configuration of Figure 1 is how to calculate the appropriate index.

In FIG. 1, the economic indicator input unit 15 receives various economic indicators provided from the terminal 21 and the information providing system 22.

The economic indicators entered are the expected economic growth rate (%), expected inflation rate (%) provided by each economic research institute, government agencies, etc., the interest rate stable will conversion rate index (0% to 1%), Economic indicators include a risk premium of around 1% (1% ± 0.3%), US economic growth rate, US economic growth rate, market interest rate, and the exchange rate against the dollar.

The market information input unit 16 receives various market information provided from the information providing system 22. Various market information includes stock price information, bond market information, exchange rate information, etc. of various current stock indices, and changes in time and time compared to economic indicators.

Computation units 11 to 14 calculating a proper index calculate a proper interest rate, an appropriate stock index, an appropriate exchange rate, and an appropriate price of a real estate financial product, and output the result to the separation rate calculator 17.

More specifically, the appropriate interest rate calculator calculates the appropriate interest rate through the process steps S11 to S13 shown in FIG. 3 based on the current economic indicators.

At this time, the calculation for calculating the appropriate interest rate follows the following equation.

Fair rate = expected economic growth rate (%) + expected inflation rate (%)-government's interest rate stabilization index (0% to 1%) + risk premium (about 1%),

Here, the expected economic growth rate is obtained from the quarterly revised forecasts of a number of predetermined economic research institutes, etc., and when the multiple forecasts are collected, the median is taken. Estimated inflation is a government forecast revised quarterly.

In addition, the government's interest rate stabilization index is 0% to 1%, which is a value that is converted according to a preset standard according to the announced policy. 0% for no neglect.

The risk premium is around 1% and is determined in advance by bonds, and in the case of government bonds, it is assumed to be 0% without a risk premium.

For example, if the expected economic growth rate is 4%, the expected inflation rate is 3%, and the risk premium is 1%, the government's willingness to stabilize interest rates is calculated as follows.

Proper rate = 3 (%) + 4 (%)-1 (%) + 1 (%) = 7%

Subsequently, in order to invest in bonds, the current market rate should be compared with the appropriate rate and the separation rate between them. If the calculated separation rate is equal to or greater than a predetermined value (step S16, for example, 10%), a trading signal for the bond is issued (step S17).

For example, if the current fair rate is, for example, 7%, and the market rate is 7.7%, the separation rate is 0.7%, which is 10% of 7%. If the market interest rate is 6.3%, the separation rate is 0.7%, which is 10% of 7%. In this case, a sell signal is issued to sell the bond (step S19).

On the other hand, when buying a bond, the extent of economic growth should be examined and the extent of the change should be reflected in bond investment. For example, if the expected economic growth rate is high, it is highly likely that almost all bond prices will rise at this time, so it is desirable to buy bonds with high interest rates. On the other hand, if the economic growth rate is confirmed to be slowing down, it is desirable to invest mainly in high-quality corporate bonds such as government bonds.

4 is a flowchart illustrating a process of calculating an appropriate stock index in the financial asset management system 1 of the present invention and processing the portfolio accordingly.

As shown in this figure, the method of calculating the fair value index according to the financial asset management system 1 of the present invention calculates the fair value based on the expected economic growth rate. The basis for calculating the fair value index is to refer to the estimated GDP and the appropriate interest rate (see above with reference to FIG. 3). When the appropriate interest rate is calculated as shown in Fig. 3, the appropriate interest rate and the estimated GDP are added to calculate the stock index at the appropriate level when it matches the market average stock price return.

For example, if a projected economic growth rate is 4% and a fair rate of 8% is calculated in a year, the sum is 12%. The stock index is then calculated when the PER is 12x. In this case, let's assume that the stock index at this time is 520 (the appropriate stock index).

In addition, a predetermined range of up and down trading signal reference values can be determined based on the stock index.

In addition, a reasonable adjustment is made to the appropriate stock index considering the direction of the economy. For example, if interest rates fall during the economic upturn, we raise the fair value index, if the leading economic index foreshadows the economic downturn and concerns about a decline in demand for funds, Adjust the stock price down.

On the other hand, fluctuations in economic growth in foreign countries, especially in the United States, can cause the appropriate stock index to fluctuate. For example, if we see signs of a recovery in the US economy, we raise our static stock level. If we see signs of slowing US growth, we lower our fair value.

In the above example, when the appropriate stock index comes out, the value is compared with the current market stock index (step S26), and the separation rate between the two is calculated. Then, it is calculated whether the calculated separation rate exceeds the reference separation rate, that is, the reference separation rate. Although the standard separation rate differs depending on the investment tendency of each person, it is assumed in this specification that it is set to 5%. If the calculated stock index separation rate is greater than the standard separation rate, a trading signal is issued (steps S27 to S28).

As described above, when the current fair stock index is 520 and the standard separation rate is set at 5%, for example, a trading signal is generated when there is an increase or decrease of 520 * 0.05 = 26 in the stock index. In other words, if the current stock price falls below 494, a buy signal is issued, and if the price rises above 546, a sell signal is issued.

In this case, in selecting stocks, it is recommended to recommend investing in stocks with a low index risk among stocks with high index influence when recommending buying during a recession. After that, the stock index will rise by a certain amount, for example, more than 5%. If so, it should be sold to ensure stable returns.

When considering buying in the recession, the average stock returns should not exceed 30% of market interest rates, even if the stock market and bond market have a mutual relationship. In addition, considering that the global stock market is linked to the US stock market, considering the economic indicators affecting US stock prices (eg, consumer confidence index, buyer management index, inflation rate, monetary policy, quarterly growth rate), etc. The stock's share price should reflect its forecast.

5 is a sequence of processing for instructing a trading direction for foreign currency by calculating an exponential separation rate from the calculation of the appropriate exchange rate and comparing with a standard separation rate when calculating the foreign exchange investment with the result of the processing of the appropriate exchange rate calculating unit of FIG. 1. It is shown.

The first step in calculating the appropriate exchange rate is to initially calculate and store the exchange rate of the Korean Won against the Japanese Yen in a certain multiple (step S31). At this time, the constant multiple which is the standard of won against the yen is 10 times. This is because it is best to double the trade relationship between Korea and Japan, and it is a general policy to maintain it, but the multiples may change.

Next, the US economic growth rate is input by calculating the rate of change of the US economic growth rate by inputting the expected economic growth rate of the United States (step S32), based on periodically released data (step S33). As the US economic growth rate is slowed by 1%, the exchange rate of the won against the Japanese yen set by the standard exchange rate setting unit is increased by K%. At this time, it is suitable to set K to 3 at present. This is confirmed by Japan and Korea's portion of the sub-capacity, but Japan's exports account for 10% of GDP, but Korea's 40% of Korea's exports are equivalent to 30%. . For example, if the growth rate of the US economy slows by 1%, the base rate is set to 1: 10.3x. If the growth rate of US economy slows by 2%, the base rate is set to 1: 10.6x.

Generalizing the way K is determined can be summarized as

K = (Export of Korea's GDP-Export of Japan's GDP) * 10%

Then, by substituting the base exchange rate of the won against the yen obtained by the above-described method to the current exchange rate of the yen against the dollar, it is possible to calculate the appropriate exchange rate of the won against the dollar (step S34).

In addition, it is recommended to go through the process of modifying the appropriate exchange rate before finally determining the appropriate exchange rate. The first thing to consider is that the exchange rate fluctuations can change drastically depending on the expected economic growth rate in Korea. The standard for reflection is the expected economic growth rate, and if the expected economic growth rate changes by more than 50% from the current year, the appropriate exchange rate should be added or subtracted by about 20% from the current exchange rate (step S35).

In addition, a slight correction is necessary assuming that the appropriate rate of exchange rate rises when the growth potential of the Korean economy slows, and that the appropriate rate of exchange rate rises when the potential growth rate decreases. In addition, in case of agreement on the appropriate exchange rate level in the foreign exchange policy between the United States and Japan, the level of this agreement should be reflected.

Then, if the separation rate of the current exchange rate for the appropriate exchange rate is calculated (step S36), and if the separation rate of the current exchange rate for the appropriate exchange rate exceeds the standard separation rate (step S37-> S38), a foreign exchange trading signal is generated to reorganize the portfolio. (Steps S39, S40).

6 shows that stocks, bonds, and real estate prices react sensitively to foreign exchange fluctuations in response to the recent opening of the foreign exchange market. A conceptual diagram illustrating how to construct an investment portfolio.

In the figure of Fig. 6, the reference exchange rate to be compared with the appropriate exchange rate has two stages, respectively. Here, the sixth and the seventh exchange rates are the baselines of the buy position and the sell position for the foreign currency, respectively, and the tenth and the 11th exchange rate lines are the baselines of the emergency buy position and the emergency sell position for the foreign exchange.

For example, if the appropriate exchange rate calculated by the above method exceeds the buy position as shown in the appropriate exchange rate 1 of FIG. 6, it should stand at the buy position against the foreign currency. The portfolio should be restructured in the form of selling all other shares, bonds, and real estate financial instruments that it holds.

FIG. 7 illustrates a detailed work process sequence of the real estate financial product proper price calculator 14 of FIG. 1. The real estate financial instrument is a financial instrument developed for the purpose of real estate reinvestment. Recent REITs will also be included in a large category of real estate financial products.

Even for real estate financial products, in order to maximize the yield according to the change in value, it is necessary to calculate the appropriate price for real estate financial products. In this case, due to the characteristics of the product, the valuation of the real estate to be invested in the real estate financial product must first be performed (steps S41 and S42). For real estate valuation, it is appropriate to use the capital reduction method used conventionally. After the valuation of the real estate is made according to the capital reduction method (or the revenue reduction method), an appropriate price for the financial product is calculated (steps S43 to S45).

Since the appropriate price for this financial instrument changes rapidly according to the market situation, the index separation rate is obtained by comparing the appropriate price with the reference price, and a trading signal is generated under the condition that the index separation ratio is equal to or more than the predetermined reference separation rate (steps S46 to S50). ).

Specifically, the calculation of the fair price for real estate depends on the type and location of real estate, but the following basic principles can be applied.

In the case of new building sales, a 20% discount should be given, given that the sale price is 40% to 50% higher than the building cost.

In the case of an existing building, it is only worth a discount of 10% or more to include the incidental costs, so there is an investment profit. This takes into account the bank's term deposit interest rate and implies that it is worth investing at or above. For general real estate and auction real estate, capital reduction is used.

On the other hand, the processing algorithm for operating financial assets according to the present invention described so far may be implemented in software, the software RAM, ROM, CD-ROM, hard disk, floppy disk, It will be apparent to those skilled in the art that they can be stored on various recording media, such as magnetic tape.

As described above, the configuration and operation of the financial asset management method and the management system according to the present invention have been described in detail, but the present invention is not limited to the above description, and it is common in the art to which the present invention pertains. Knowledgeable professionals will be able to design variants in a variety of forms. Therefore, the scope of the present invention is not limited to the above description, and the part required as a right in the present application is as described in the appended claims.

The present invention, which is constructed and operated as described above, can process a variety of complex information quickly and accurately by using an information processing device such as a computer and / or an information and communication network such as the Internet, an intranet, etc. Emphasis on the weaknesses in the Korean economy, it guarantees safer and higher profits for financial assets, such as individuals and companies, by integrating various financial products on the basis of exchange rate changes and automatically processing and providing them in information processing devices. There is an excellent effect of enabling financial asset management services.

In addition, the present invention provides a real time in a rapidly changing investment environment by systematically and quickly processing a variety of complex information by using an information processing device such as a computer, and / or an information communication network such as the Internet, intranet, etc. This is an excellent effect to present the optimal portfolio of financial assets.

Claims (40)

In the financial asset management method using an information processing device operating to increase the total amount of assets by trading at least one of bond products, stock products, foreign currency products and real estate financial products with financial asset reserves, Entering the economic index to enter the expected economic growth rate (%), the expected inflation rate (%), the current market rate (%), and the government's interest rate stability index (0% to 1%) announced quarterly, The temporary optimal interest rate is calculated based on the expected economic growth rate, the expected inflation rate, and the interest rate stable will index (0% to 1%) input in the input step, and the preset risk premium is added to the calculated temporary fair rate. An appropriate interest rate calculation step of calculating an appropriate interest rate, An interest rate separation rate calculating step of calculating a separation rate by comparing the current market interest rate inputted in the input step with an appropriate interest rate; If the interest rate separation rate calculated in the interest rate separation rate calculation step indicates that "the market interest rate is higher than the first reference rate higher than the appropriate interest rate", it generates a bond buying signal, and "the market bond interest rate is lower than the second reference rate lower than the appropriate interest rate." ", The bond selling signal generation step that generates a bond selling signal Financial asset management method comprising a. The method of claim 1, A bond information input step of inputting a market interest rate and a high-quality bond ranking by bond products; It further comprises a recording step of recording the market interest rate for each bond product entered in the bond information input step, When the bond buying signal generation unit generates a bond buying signal, At the time when the expected economic growth rate entered in the economic index input phase increases, we recommend buying bond stocks with high market interest rates and recommending high-quality bond stocks when the expected economic growth rate slows down. Financial asset management method characterized in that it further comprises. The method of claim 2, And a purchase order processing step of performing a purchase order processing within investment funds relative to a predetermined amount of funds for a bond item recommended in the bond investment item recommendation step. The method according to any one of claims 1 to 3, The first base rate and the second base rate are 10% of the appropriate interest rate, respectively. In the financial asset management method using an information processing device operating to increase the total amount of assets by trading at least one of bond products, stock products, foreign currency products and real estate financial products with financial asset reserves, Entering the economic index to enter the expected economic growth rate (%), the expected inflation rate (%), the current market rate (%), and the government's interest rate stability index (0% to 1%) announced quarterly, The temporary optimal interest rate is calculated based on the expected economic growth rate, the expected inflation rate, and the interest rate stable will index (0% to 1%) input in the input step, and the preset risk premium is added to the calculated temporary fair rate. An appropriate interest rate calculation step of calculating an appropriate interest rate, Calculating the appropriate market average stock return by adding the appropriate interest rate calculated in the appropriate interest rate calculation step and the expected economic growth rate to an appropriate market average stock return (PER); Proper stock index calculation step of calculating proper stock index from the appropriate market average stock price return Financial asset management method comprising a. The method of claim 5, An input step of inputting the current stock index, If the current stock index is less than or equal to the third reference rate calculated in the proper stock index calculation step, a purchase signal is generated, and the current stock index is more than the appropriate stock index calculated in the proper stock index calculation step. And a trading signal generating step of generating a selling signal when the rate is 4 or more. The method of claim 6, An index impact calculation step of calculating the influence on the stock index by each item of the stock market and presenting it by ranking; When the stock purchase signal is generated in the trading signal generation step, the financial asset management method further comprising a buying item recommendation step of providing a list of items by index influence ranking calculated in the index impact calculation step. The method of claim 7, wherein The buy item recommendation step is a financial asset management method characterized in that the ranking of the influence on the rate of return of each company according to interest rate fluctuations and exchange rate fluctuations for each item in the stock market, and provides a list of items by rank. The method according to claim 7 or 8, The financial asset management method further comprises a purchase order processing step of performing a purchase order processing for the recommended item within the investment funds compared to the predetermined funds raised. The method according to any one of claims 5 to 8, And the third and fourth reference rates are 5% of the appropriate interest rates, respectively. The method according to any one of claims 1 to 3 and 5 to 8, Financial asset management method characterized in that the calculation of the appropriate level of interest rate is calculated according to the following equation. Fair rate = expected economic growth rate (%) + expected inflation rate (%)-government's interest rate stabilization index (0% to 1%) + risk premium (about 1%), However, the government's interest rate stabilization index is 0% to 1%, which is converted according to the pre-set criteria according to the announced policy, and the stronger the announced interest rate stabilization is, the closer it is to 1%. 0% for status. The risk premium is around 1%, which is determined in advance by bond stocks, and 0% for government bonds. The method of claim 11, The expected economic growth rate is the median of the quarterly forecasts revised and published by a number of pre-designated economic research institutes, and the expected inflation rate is the government forecast released quarterly. In the financial asset management method that operates to increase the total amount of assets by trading at least one of bond products, equity instruments, foreign exchange instruments and real estate financial instruments with financial asset reserves, A standard exchange rate setting step of calculating and storing the exchange rate of the Korean won against the Japanese yen as a predetermined multiple as an initial value, An input step to enter expected US economic growth, A US economic growth rate assessment step that calculates the rate of change in US economic growth; As a result of the 1% slowdown in the US economic growth rate, the rate of exchange of the won against the Japanese yen set by the standard exchange rate setting unit is increased by K% (K = (export ratio of Korean GDP-export ratio of Japanese GDP) * 10%). The exchange rate setting step, Calculating the appropriate exchange rate of the dollar against the won by substituting the exchange rate of the won against the yen against the yen against the dollar; Financial asset management method comprising a. The method of claim 13, An input step to enter the expected growth rate of Korea, A recording step of accumulating and recording an expected economic growth rate input from the input unit; Calculating a rate of change of the estimated economic growth rate recorded above, and if the rate of change exceeds the fifth standard rate, calculating an appropriate rate of exchange rate by a predetermined rate. The method of claim 14, The fifth reference rate is 50%, financial asset management method, characterized in that the predetermined rate is added or subtracted 20%. The method according to any one of claims 13 to 15, If the appropriate exchange rate is more than the sixth reference rate compared to the market exchange rate, a buy signal for buying foreign currency is generated; Financial asset management method characterized in that. In the financial asset management method using an information processing device operating to increase the total amount of assets by trading at least one of bond products, stock products, foreign currency products and real estate financial products with financial asset reserves, For each real estate financial product, the appropriate real estate price calculation step of calculating the proper price by applying the capital reduction method to the real estate possessed by the real estate financial product; A fair price calculation step of calculating a fair value of a real estate financial product based on the fair value of the real estate calculated in the fair price calculation step; A separation rate calculating step of calculating a separation rate of the current price of the real estate financial product with respect to the appropriate price of the real estate financial product; If the separation rate calculated in the step of calculating the separation rate indicates that "the real estate financial product present price is lower than the eighth reference rate relative to the fair price of the financial product", a buy signal for the real estate financial product is generated, and the "real estate financial product present value is the financial product. Signaling stage of real estate financial product trading that generates selling signals for real estate financial products Financial asset management method comprising a. In the financial asset management method using an information processing device operating to increase the total amount of assets by trading at least one of bond products, stock products, foreign currency products and real estate financial products with financial asset reserves, If the appropriate exchange rate calculated by applying the financial asset management method described in Claims 13 to 15 is higher than the market exchange rate by more than the tenth reference rate (the value larger than the reference rate that generates a foreign currency buying signal), And selling financial instruments and generating financial instrument trading signals to purchase foreign currency instruments. The method of claim 18, If the appropriate exchange rate calculated by applying the financial asset management method described in Claims 13 to 15 is lower than the market exchange rate, which is greater than or equal to the 11th reference rate (which is greater than the reference rate that generates a foreign currency selling signal), A financial asset operating method for generating a financial instrument trading signal to purchase at least one financial instrument of real estate financial instrument, stock instrument or bond instrument. In the financial asset management system using an information processing device operating to increase the total amount of assets by trading at least one of bond products, stock products, foreign currency products and real estate financial products with financial asset reserves, If the appropriate exchange rate calculated by applying the financial asset management method described in Claims 13 to 15 is higher than the market exchange rate by more than the tenth reference rate (the value larger than the reference rate that generates a foreign currency buying signal), And signal generators for selling financial instruments to sell all of the bond and bond products and to purchase foreign currency products. Financial asset management system comprising a. The method of claim 20, The trading signal generator, If the appropriate exchange rate calculated by applying the financial asset management method described in Claims 13 to 15 is lower than the market exchange rate, which is greater than or equal to the 11th reference rate (the value that is greater than the reference rate that generates a foreign currency signal), all the foreign currency products held are sold. And generating a financial product trading signal to purchase at least one financial product among real estate financial products, stock products or bond products. In the financial asset management system that operates to increase the total amount of assets by trading at least one of bond products, stock products, foreign currency products and real estate financial products with financial asset reserves, The market index (or market price) for each financial instrument, the expected economic growth rate (%), the expected inflation rate (%), the current market rate (%) and the government's interest rate stabilization index (0% to 1%) ), An economic indicator input section for inputting economic indicators such as the exchange rate against the dollar and the US economic growth rate, An appropriate price calculator for calculating an appropriate index (or an appropriate price) for each financial instrument based on the economic indicators input from the economic indicator input unit; A separation rate calculation unit configured to calculate an index separation rate indicating a degree in which the input market index for each product is spaced apart from the proper index for each product calculated from the appropriate price calculator; A recorder for recording the standard separation rate set by the financial asset manager for each financial instrument; A trading signal generator that determines whether the index separation rate calculated from the separation rate calculation unit exceeds the reference separation rate, and determines a buy or sell direction for the financial instrument when the index separation rate is exceeded. Financial asset management system comprising a. The method of claim 22, A financial asset management system, comprising calculating the appropriate interest rate according to the following equation. Fair rate = expected economic growth rate (%) + expected inflation rate (%)-government's willingness to convert interest rates (0% to 1%) + risk premium (about 1%), However, the government's interest rate stabilization index is 0% to 1%, which is converted according to the pre-set criteria according to the announced policy, and the stronger the announced interest rate stabilization is, the closer it is to 1%. 0% for status. The risk premium is around 1%, which is determined in advance by bond stocks, and 0% for government bonds. The method of claim 22, The appropriate price calculation unit A standard exchange rate setting unit which calculates and stores the exchange rate of the Korean won against the Japanese yen in a predetermined multiple as an initial value, An input to enter the expected growth rate for the United States, A US economic growth rate evaluator that calculates a rate of change in US economic growth; As a result of the 1% slowdown in the US economic growth rate, the rate of exchange of the won against the Japanese yen set by the standard exchange rate setting unit is increased by K% (K = (export ratio of Korean GDP-export ratio of Japanese GDP) * 10%). Exchange rate setting section, Appropriate exchange rate calculation unit that calculates the appropriate exchange rate of the dollar against the dollar by substituting the exchange rate of the won against the yen against the yen Financial asset management system comprising a. The method according to any one of claims 22 to 24, The standard separation rate is determined according to the investment tendency of the owner of the financial asset set in advance through the examination. The method according to any one of claims 22 to 24, The buy or sell signal generated by the trading signal generator is notified to a financial asset operator of a remote location through a data communication network. The method according to any one of claims 22 to 24, Financial asset management, characterized in that further comprising a trading processing unit for restructuring the portfolio by changing the proportion of investment in investment products through the trading of financial assets in accordance with the buy or sell signal generated by the trading signal generation unit system. In the financial asset management method using an information processing device that operates to increase the total amount of assets by trading at least one or more of bond products, stock products, foreign currency products and real estate financial products with financial asset reserves, The market index (or market price) for each financial instrument, the expected economic growth rate (%), the expected inflation rate (%), the current market rate (%) and the government's interest rate stabilization index (0% to 1%) ), The economic indicator input step for entering economic indicators such as the exchange rate against the dollar and the US economic growth rate, An appropriate price calculation step of calculating an appropriate index (or an appropriate price) for each financial product based on the economic index input from the economic index input unit; A separation rate calculating step of calculating an index separation rate indicating a degree in which the input market index for each product is spaced apart from the proper index for each product calculated from the appropriate price calculator; A recording step of recording, by each financial instrument, the standard separation rate previously set by the financial asset manager; And a purchase signal generation step of determining whether the index separation rate calculated by the separation rate calculation unit exceeds the reference separation rate, and determining the buy or sell direction for the corresponding financial product when the index separation rate exceeds the standard separation rate. How to manage financial assets. The method of claim 28, Wherein the step of calculating the fair value financial asset management method characterized in that to calculate the appropriate interest rate according to the following equation. Fair rate = expected economic growth rate (%) + expected inflation rate (%)-government's interest rate stabilization index (0% to 1%) + risk premium (about 1%), However, the government's interest rate stabilization index is 0% to 1%, which is converted according to the pre-set criteria according to the announced policy, and the stronger the announced interest rate stabilization is, the closer it is to 1%. 0% for status. The risk premium is around 1%, which is determined in advance by bond stocks, and 0% for government bonds. The method of claim 28, The titration price calculating step A base rate setting step of calculating and storing the exchange rate of the Korean won against the Japanese yen in a predetermined multiple as an initial value, An input step to enter expected US economic growth, Assessing the rate of change in US economic growth, As a result of the 1% slowdown in the US economic growth rate, the rate of exchange of the won against the Japanese yen set by the standard exchange rate setting unit is increased by K% (K = (export ratio of Korean GDP-export ratio of Japanese GDP) * 10%). The steps to set up currency change, Calculating the appropriate exchange rate of the dollar against the won by substituting the exchange rate of the won against the yen against the yen against the dollar; Financial asset management method comprising a. The method according to any one of claims 28 to 30, The standard separation rate is determined according to the investment tendency of the owner of the financial asset set in advance through the examination. The method according to any one of claims 28 to 30, And notifying a buy or sell signal generated by the trading signal generator to a remote financial asset operator through a data communication network. The method according to any one of claims 28 to 30, And further comprising a transaction processing step of restructuring the portfolio by changing the investment ratio of the investment product through the transaction processing on the financial asset according to the buy signal or the sell signal generated by the transaction signal generator. How assets are managed. In the financial asset management method using an information processing device operating to increase the total amount of assets by trading at least one of bond products, stock products, foreign currency products and real estate financial products with financial asset reserves, Calculating the appropriate exchange rate of the won against the dollar, Entering time-varying market exchange rates, Comparing the calculated exchange rate against the market exchange rate, If the calculated fair exchange rate is higher than the 12th reference rate (which is higher than the reference rate for generating foreign currency signals), the financial instrument is sold to sell real estate financial instruments, equity instruments and bond instruments, and to immediately buy foreign exchange instruments. Generating signal Financial asset management method comprising a. The method of claim 34, wherein If the calculated appropriate exchange rate is lower than the market exchange rate by more than the 13th base rate (which is higher than the base rate that generates a foreign currency signal), the foreign exchange product held is sold and at least one of the real estate financial, stock or bond products is sold. Generating a financial product trading signal to purchase Financial asset management method comprising a. It is equipped with a microprocessor and is installed in the financial asset management system that operates to increase the total amount of assets by trading at least one of bond products, stock products, currency exchange products, and real estate financial products as financial asset reserves. Entering an economic index to input the expected economic growth rate (%), the expected inflation rate (%), the current market rate (%), and the government's interest rate stability index (0% to 1%) announced quarterly; The temporary optimal interest rate is calculated using the expected economic growth rate, the expected price increase rate, and the interest rate stable will index (0% to 1%) input in the economic index input step, and the risk premium preset in the calculated temporary optimal interest rate. A proper interest rate calculating step of calculating a proper interest rate by adding a; An interest rate separation rate calculating step of calculating a separation rate by comparing the current market interest rate inputted in the economic index input step with an appropriate interest rate; And If the interest rate separation rate calculated in the interest rate separation rate calculation step indicates that "the market interest rate is higher than the first reference rate higher than the appropriate interest rate", it generates a bond buying signal, and "the market bond interest rate is lower than the second reference rate lower than the appropriate interest rate." ", The bond selling signal generation step that generates a bond selling signal A computer-readable recording medium containing a program for realizing the problem. It is equipped with a microprocessor and is installed in the financial asset management system that operates to increase the total amount of assets by trading at least one of bond products, stock products, currency exchange products, and real estate financial products as financial asset reserves. Entering the economic index to enter the expected economic growth rate (%), the expected inflation rate (%), the current market rate (%), and the government's interest rate stability index (0% to 1%) announced quarterly, The temporary optimal interest rate is calculated based on the expected economic growth rate, the expected inflation rate, and the interest rate stable will index (0% to 1%) input in the input step, and the preset risk premium is added to the calculated temporary fair rate. An appropriate interest rate calculation step of calculating an appropriate interest rate, Calculating the appropriate market average stock return by adding the appropriate interest rate calculated in the appropriate interest rate calculation step and the expected economic growth rate to an appropriate market average stock return (PER); And a program for realizing a proper stock index calculation step of calculating a proper stock index from the appropriate market average stock return. It is equipped with a microprocessor and is installed in the financial asset management system that operates to increase the total amount of assets by trading at least one of bond products, stock products, currency exchange products, and real estate financial products as financial asset reserves. A standard exchange rate setting step of calculating and storing the exchange rate of the Korean won against the Japanese yen as a predetermined multiple as an initial value, An input step to enter expected US economic growth, A US economic growth rate assessment step that calculates the rate of change in US economic growth; As a result of the 1% slowdown in the US economic growth rate, the rate of exchange of the won against the Japanese yen set by the standard exchange rate setting unit is increased by K% (K = (export ratio of Korean GDP-export ratio of Japanese GDP) * 10%). The exchange rate setting step, Calculating the appropriate exchange rate of the dollar against the won by substituting the exchange rate of the won against the yen against the yen against the dollar; A computer-readable recording medium containing a program for realizing the problem. It is equipped with a microprocessor and is installed in the financial asset management system that operates to increase the total amount of assets by trading at least one of bond products, stock products, currency exchange products, and real estate financial products as financial asset reserves. For each real estate financial product, the appropriate real estate price calculation step of calculating the appropriate price by applying the capital reduction method for the real estate possessed by the real estate financial product; A fair price calculation step of calculating a fair value of a real estate financial product based on the fair value of the real estate calculated in the fair price calculation step; A separation rate calculating step of calculating a separation rate of the current price of the real estate financial product with respect to the appropriate price of the real estate financial product; If the separation rate calculated in the step of calculating the separation rate indicates that "the real estate financial product present price is lower than the eighth reference rate relative to the fair price of the financial product", a buy signal for the real estate financial product is generated, and the "real estate financial product present value is the financial product. Signaling stage of real estate financial product trading that generates selling signals for real estate financial products A computer-readable recording medium containing a program for realizing the problem. It is installed in the financial asset management system using information processing equipment operating to increase the total amount of assets by trading at least one of bond products, stock products, foreign currency products and real estate financial products with financial asset reserves. Calculating the appropriate exchange rate of the won against the dollar, Entering time-varying market exchange rates, Comparing the calculated exchange rate against the market exchange rate, If the calculated fair exchange rate is higher than the 12th reference rate (which is higher than the reference rate for generating foreign currency signals), the financial instrument is sold to sell real estate financial instruments, equity instruments and bond instruments, and to immediately buy foreign exchange instruments. Generating signal A computer-readable recording medium containing a program for realizing the problem.