KR20170005985A - System and method for providing consulting service on demand for portfolio investment according to financial plan of financial investment instruments - Google Patents

System and method for providing consulting service on demand for portfolio investment according to financial plan of financial investment instruments Download PDF

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Publication number
KR20170005985A
KR20170005985A KR1020150096261A KR20150096261A KR20170005985A KR 20170005985 A KR20170005985 A KR 20170005985A KR 1020150096261 A KR1020150096261 A KR 1020150096261A KR 20150096261 A KR20150096261 A KR 20150096261A KR 20170005985 A KR20170005985 A KR 20170005985A
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investment
financial
portfolio
investor
client terminal
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KR1020150096261A
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Korean (ko)
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박성순
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박성순
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0281—Customer communication at a business location, e.g. providing product or service information, consulting
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

The present invention relates to a system and method for providing a customized consulting service for portfolio investment for each financial plan of financial investment instruments. The method of the present invention comprises the following steps. An individual investor inputs information such as ones own financial condition and financial plan, investment tendency, investment period, investment price, investment method, expected rate of return, and the like online through a client terminal. A financial company suggests a plurality of model portfolios that are determined to be suitable for the input information through an asset management consulting server, and suggests financial investment instruments such as stocks, bonds, mutual fund, beneficiary certificates, ETF, and the like, which are suitable for an asset allocation strategy of a model portfolio selected by the investor. If the investor invests in the financial investment instruments of the financial company, the financial company suggests guidance such as a strategic asset allocation guideline and a target price management guideline and provides information such as a strategic asset allocation signal, achievement of a financial plan, current maturity, and the like so as to support the investor to achieve the financial plan through strategic asset allocation of additionally buying, selling, or the like financial investment instruments thereof.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a system and a method for providing a customized consulting service for a portfolio investment of financial investment products by financial targets,

The present invention relates to a system and a method for providing customized consulting services for portfolio investment of financial investment products by financial targets, and more particularly, The present invention relates to a system and a method for providing a customized consulting service for investment of a portfolio of financial investment products by financial targets, which can provide general customized consulting on sales, management and disposal of financial investment products such as financial investment products.

In general, the conventional method of selling, managing and disposing financial investment products differs from one financial company to another. However, in the Capital Market and Financial Investment Business Act, in order to prevent the damage caused by incomplete sales in the sales process Financial companies are required to comply with the "standard sales process," and the management and disposition method is left to the financial company's sales strategy.

According to the 'standard sales process', a financial company must comply with the 'principle of conformity' and the 'obligation to explain' in order to sell a fund. Such a 'standard sales process' This is a system that allows investors to invest in funds that match their personal preference by ensuring that they follow the sales stages such as selection of a suitable fund for the investor, description of the fund, confirmation of the investor's intention, and follow-up management.

The sales process following the standard sales process is as follows.

In other words, if an individual investor shows an intention to invest in a fund, a financial company or an asset manager requests the investor to prepare an "Investor Information Confirmation", and then an individual investor or an asset manager inputs this information to a terminal of the Internet or a financial company , The financial institution provides the results of the investment propensity analysis of the investor and the financial company or the asset manager grants or explains it to the investor and judges that it conforms to the tendency of the investor along with the prospect of the securities market to be invested The fund's product descriptions are provided on the Internet, or are output from a network terminal of a financial company and are described and sold. Here, the 'Investor Information Confirmation Sheet' is a general questionnaire about investors' age and assets, investment objectives and duration, investment experience and knowledge level, target rate of return and risk tolerance.

If the investor's risk is higher than that of the investor, the financial institution or the asset manager should not sell the fund because of the 'prohibition of unfair solicitation', but if the investor wants to invest in the fund A financial institution or an asset manager may sell the securities after signing or affixing a "Certificate of Non-Conforming Financial Investment Products Transaction" confirming that the investor has notified and explained the risk of the goods concerned.

In addition, the management of individual investors' funds can be achieved by providing the research funds of the relevant fund or asset market on the internet or network by the financial institution, by buying or disposing the funds according to their own judgment, It is through the process of transferring the data and consulting the asset redistribution of the portfolio when the investor buys or disposes the funds.

If an investor disposes of an individual investor's fund due to the expiration of a predetermined maturity date or if the profit or loss is greater than expected and the investor's sentiment changes and is disposed of before the maturity date, In the process of redistribution.

Thus, the conventional standard sales process focuses only on 'fund sales' that is suitable for the investor's tendency, so if investors want a portfolio investment suitable for their investment propensity, be sure to write' This does not give much meaning to the investment propensity analysis itself. For this reason, most investors do not receive systematic and consistent asset management services for portfolio investment.

Accordingly, an example of a system and a method according to the prior art that can stably generate profits for financial assets is disclosed in Korean Patent Registration No. 10-0931826.

That is, the above-mentioned prior art is a financial asset investment management system and method that can stably generate profits by automatically trading stocks through calculation of stock investment ratio that can respond instantaneously to changes in stock market, The investment condition input section is configured to set the stock investment condition for the investment assets through analyzing the stock related information by accessing the stock trading system and calculates the stock index according to the fluctuating stock price index. And a stock trading unit for automatically trading stocks according to the investment conditions and investment amount calculated from the investment condition input unit and the stock analysis unit, Financial assets that can generate stable profits by buying stocks at different rates It is configured to include a method using party operating systems and achieve.

However, the above-described prior art is limited to stock investment, which is part of the financial investment return investment, and it is not possible to use the basic strategy of portfolio investment such as long-term investment and diversified investment for various financial investments, And the long-term performance of the investor in the capital market.

In addition, the problems of the conventional fund sales, management, and disposal method, which are being carried out in conventional financial companies, are as follows.

First of all, the principle of conformity in the sales method is applied only to sell the fund which is judged to be suitable for the investment propensity after analyzing the investment propensity by general investor information, while preventing the incomplete sale of financial companies and contributing to the protection of investors . If an investor subscribes to a fund that is more risky than his / her own propensity to invest in a portfolio by financial objective, he / she must complete a non-compliant financial investment transaction confirmation. This is why financial firms and asset managers are indifferent to effective asset management strategies that build personalized portfolios based on individual and specific information such as investor financial status, financial goals, investment horizons, target returns and risk tolerance. to be.

In addition, in the management method, most financial companies designate an asset manager only for a certain amount or more of investors in order to improve productivity and efficiency. The investor who is designated as the asset manager has various experience of the asset manager, knowledge and investment propensity of the asset manager, as well as the asset manager is changed from time to time, and the asset management is not systematic and inconsistent, have.

 In addition, in the disposal method, individual investors who are intensively managed by the asset manager can dispose of some or all of the funds by receiving detailed consulting on the maturity management or portfolio management. However, if an asset manager is not specified or designated, the investor who does not receive the intensive management of the asset manager is not systematic or inconsistent because it is only receiving the one-time consulting of the asset manager when the investor requests They are not receiving quality and uniform wealth management services.

Korean Patent Registration No. 10-0931826 (Name: Financial Asset Investment Management System and Method, Date of Registration: December 07, 2009)

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems of the related art, and it is an object of the present invention to provide a financial investment consulting systematically and consistently throughout the entire process from fund sale to management, And to provide a customized consulting service providing system and method for portfolio investment of financial investment products by financial targets.

That is, an object of the present invention is to provide an asset management consulting server for a financial institution, when an individual investor inputs information on his / her financial status, financial goals, investment propensity, investment period, investment amount, A plurality of model portfolios which are determined to be suitable for the information input through the above-mentioned method and propose financial investment products such as stocks, bonds, mutual funds, beneficiary certificates, and ETFs suitable for the asset allocation strategy of the model portfolio selected by the investor, If the investor invests in these financial investment products, it provides information such as the tactical asset allocation signal of the financial company, the achievement of the financial goal, and the remaining maturity, and supports the execution of the asset reallocation such as addition or disposal of these financial investment products , Customized consulting service providing system and room for portfolio investment of financial investment products by financial goals To provide.

Another object of the present invention is to provide a system and a consistent consulting service for financial investment by a financial institution in the whole process of selling, managing and disposing of funds through an asset management consulting server, The present invention provides a system and method for providing customized consulting services for portfolio investment of financial investment products, which can provide uniform and high-quality services and enhance the competitiveness of asset management business by enhancing long-term performance of investors.

These and other objects of the present invention will be apparent to those skilled in the art without departing from the scope of the present invention by the appended claims.

To achieve the above object, there is provided a system for providing a customized consulting service for portfolio investment of financial investment products according to an aspect of the present invention, which is connected to an asset management consulting server 200 through a network 150 A client terminal (100) for providing investment intention, personal information and basic investment information on a financial investment product; And an asset management consulting server 200 analyzing a portfolio investment corresponding to information input from the client terminal 100 and a financial investment product suitable for the investment, and suggesting and selecting the asset investment management consulting server 200 to the client terminal 100, The consulting server 200 drives the asset management analysis program 300 stored in the storage unit 230 to provide a customized consulting service for portfolio investment for each financial target of financial investment products.

According to another aspect of the present invention, there is provided a method of providing a customized consulting service for portfolio investment of financial investment products according to another aspect of the present invention, comprising the steps of: (a) (S506) of providing financial management information to the asset management consulting server (200), checking the financial status of the individual to establish a basic investment plan for each financial target, and performing a simple financial design; (b) An individual investor inputs a basic investment plan including one or more of financial targets and investment propensity, desired investment amount, investment period, investment amount, investment method, expected return rate through the client terminal (100) (S509); (c) a step S511 of suggesting and selecting a plurality of model portfolios determined by the financial company through the asset management consulting server 200 as conforming to the basic investment plan input in the step (b); (d) If the asset management consulting server 200 selects one of the plurality of model portfolios through the step (c), the financial company transmits the stocks included in the product type of the corresponding model portfolio through the asset management consulting server 200 A step S513 of offering and selecting a financial investment product including at least one of bonds, mutual funds, beneficiary certificates, and ETFs to the client terminal 100; (e) When the asset management consulting server 200 receives the selection signal of the financial investment product from the client terminal 100 through the step (d), it receives at least one of the tactical asset allocation signal, the financial goal achievement degree, And a tactical asset allocation and target amount management step (S519) for providing the client terminal (100) with the information including the tactical asset allocation to purchase or dispose of the financial investment product.

Preferably, in the step (a), (a1) the asset management consulting server 200 receives personal information of each investment customer from a plurality of client terminals 100 and stores the information in the investment customer information DB 221 ; (a2) the asset management consulting server 200 receives the financial statement and the cash flow chart from the client terminal 100 and derives the net asset and the net cash flow; And (a3) when the asset management consulting server 200 receives a simple financial design application based on the net asset, net cash flow, and investment propensity information of the step (a2) from the client terminal 100, 100), the user inputs information necessary for financial design including one or more of financial target, investment propensity, investment amount, investment period, investment method, and expected rate of return, and then, through the financial design module 320, And then presenting and presenting.

In the step (b), the asset management consulting server 200 receives the investor information confirmation document capable of analyzing the investment propensity of the investor himself / herself from the client terminal 100, Analyzing and presenting the investment propensity of the investment customer and storing it in the investment information DB 223; (b2) based on the financial design result of the step (a3) and the investment propensity analysis result of the step (b1), or based on the investment propensity analysis result of the step (b1) The asset management consulting server 200 receives from the client terminal 100 a basic investment including one or more of the financial target of the investment customer, the investment propensity, the type of asset desired to be invested, the investment period, the amount of investment, Storing planning information in the investment information DB 223; And (b3) when the basic investment plan is input from the client terminal 100 in the step (b2), the asset management consulting server 200 calculates a maximum / average value of the strategic asset allocation model reflecting the investment propensity, / ≪ / RTI > minimum profit rate to the client terminal 100 to support an investor's expected return on investment.

More specifically, in the step (c), when the basic investment plan is inputted from the client terminal 100 through the step (c), the asset management consulting server 200 transmits the model portfolio matching module 330 A plurality of model portfolios including a customized asset management strategy corresponding to a basic investment plan are proposed and selected in the model portfolio DB 224; And (c2) using the accumulated data constructed in the model portfolio DB 224 by the asset management consulting server 200, the asset allocation strategy and the maximum / average / minimum return rate of the model portfolios proposed in the step (c1) And presenting the simulation results and graphs to the client terminal 100 to support the investors' selection.

More specifically, in step (d), when the selected model portfolio is inputted from the client terminal 100 in step (d), the asset management consulting server 200 transmits the model portfolio to the client terminal 100 through the actual portfolio building module 350 Suggesting a single commodity investment method and a portfolio investment method, and proposing that an investor can determine the rate of incorporation of a single commodity or the proportion of investment by commodities in the portfolio within the range of asset allocation of the model portfolio; (d2) If the investment mode and asset allocation range selected from the client terminal 100 are inputted in the step (d1), the asset management consulting server 200 transmits the financial investment product DB 225 ) Proposing and selecting a stock group of a commodity to be incorporated in a single commodity stock group or a portfolio of a transfer ratio selected by an investment customer; And (d3) the asset management consulting server 200 determines whether or not the investor selects a product having a higher risk level than the investment propensity of the investor, and when selecting a product having a higher risk level, , And suggesting a stock group of the financial investment product after receiving the signature of the unsuccessful financial investment commodity transaction confirmation.

More preferably, (d4) after the financial investment product selected from the client terminal 100 is inputted in the step (d2) and the actual portfolio is constructed, the asset management consulting server 200 acquires the investor Provides guidance that includes tactical asset allocation guidelines and target value management guidelines and provides information that includes one or more of financial company tactical asset allocation signals, financial goal achievement, and remaining maturity, And allowing the tactical asset allocation to be performed to rebalance or dispose of the asset through the module (360).

According to the system and method for providing personalized consulting services for portfolio investment of financial investment products according to the present invention, individual investors can make online financial investments with their financial status, financial goals, investment propensity, investment period, investment amount The investment method, and the like, the financial company proposes a plurality of model portfolios determined to be suitable for the information input through the asset management consulting server, and selects a model suitable for the asset allocation strategy of the model portfolio selected by the investor , Financial assets such as bonds, mutual funds, beneficiary certificates, and ETFs, and then investing in these financial investment products provides information on the tactical asset allocation signal of financial companies, achievement of financial targets, Proposals for asset reallocation such as additional purchase or disposal of investment products The.

In addition, according to the system and method for providing customized consulting services for portfolio investment by financial targets of financial investment products according to the present invention, the following effects are obtained compared with the related art.

First, if a financial company uses an asset management consulting server, it not only sells financial investment products like conventional asset management business, or provides portfolio investment consulting services only to a few investors, but provides indiscriminate portfolio investment consulting services to all investors .

Second, the financial company shall comply with the KYC Rule (Know Your Customer Rule) through the investment tendency analysis, simple financial design, and basic investment plan input process for individual investors' financial targets on the Internet or network, , It is possible to protect the investors by realizing the customized asset management by making the investors choose the standardized model portfolio that is deemed to be suitable as the model and by improving the principle of conformity and incomplete sales.

Third, the investor confirms the investment propensity and financial capability of his / her financial goals through the investment tendency analysis, simple financial design, and the basic investment plan input process through the internet or network through the client terminal, By choosing the risk tolerance, the amount of investment, and the duration of the investment, the risk of stopping investment on the way can be reduced in advance.

Fourth, by providing the best / average / minimum return rate and the graph of the simulation performance by the moving average method of the investment portfolio of the model portfolio which includes the subdivided asset management strategy by the investment propensity, And the expected return on investment can be reasonably selected to maintain the initial investment plan.

Fifth, in the case of a model portfolio that provides tactical asset allocation through the asset management consulting server, differentiated performance of each investor is provided by providing a tactical asset allocation signal to all investors who have invested in the model portfolio through various communication channels The risk can be reduced.

Sixth, when the investor enters the basic investment plan through the client terminal and the target amount is determined, the financial company continuously provides the information about the achievement of the actual portfolio and the remaining maturity through the asset management consulting server, It can help you achieve your goals.

Additional features and advantages of the present invention will become more apparent from the following description.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram illustrating a system for providing a customized consulting service for portfolio investment of financial investment products according to an embodiment of the present invention; FIG.
2 is a view showing a detailed configuration of an asset management consulting server applied to an embodiment of the present invention;
3 is a diagram showing a detailed configuration of a database applied to an embodiment of the present invention;
4 is a diagram showing a detailed configuration of an asset management analysis program driven by a program driver applied to an embodiment of the present invention;
FIG. 5 is a flowchart illustrating a method of providing a customized consulting service for portfolio investment of financial investment products according to an exemplary embodiment of the present invention; FIG.
6 is a diagram showing an example of inputting personal information of an investment customer applied to the present invention;
7 is a diagram showing an example of inputting financial state table information of an investment customer applied to the present invention;
8 is a diagram showing an example of cash flow statement information input by an investment customer applied to the present invention;
9 and 10 are views showing examples of input and result derivation of a simplified financial design applied to the present invention.
FIGS. 11 and 12 are diagrams illustrating an example of the investment item weight of the investor information confirmation sheet and the investment propensity analysis item of the investment customer applied to the present invention. FIG.
FIG. 13 is an exemplary view showing an example of a type of investor tendency and an investment suitability asset applied to the present invention; FIG.
14 is a diagram showing an example of basic investment plan information applied to the present invention;
FIGS. 15 to 17 illustrate examples of a model portfolio proposal and development process applied to the present invention; FIG.
18 is a diagram showing an example of an unsuitable financial investment goods transaction certificate applied to the present invention.
19 to 20 are views showing an example of actual portfolio construction applied to the present invention.
21 and 22 illustrate examples of guidelines for tactical asset allocation and target amount management applied to the present invention.

Hereinafter, a system and method for providing customized consulting services for portfolio investment of financial investment products according to a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

Also, in the present specification, the following embodiments and embodiments are to be considered as being illustrative and not restrictive, and the invention is not to be limited to the details given herein but is to be accorded with the scope of the appended claims and their equivalents, It can be changed to another embodiment.

First, a customized consulting service providing system for portfolio investment of financial investment products according to an embodiment of the present invention will be described with reference to FIG. 1 to FIG.

FIG. 1 is a block diagram illustrating a system for providing a customized consulting service for portfolio investment of financial investment products according to an exemplary embodiment of the present invention. FIG. 2 is a block diagram of an asset management consulting server according to an exemplary embodiment of the present invention. FIG. 3 is a diagram illustrating a detailed configuration of a database applied to an embodiment of the present invention. FIG. 4 is a diagram illustrating a configuration of an asset management FIG. 5 is a diagram showing a detailed configuration of an analysis program. FIG.

1, a customized consulting service providing system for a portfolio investment of financial investment products according to an exemplary embodiment of the present invention includes a client terminal 100, a network 150, and an asset management consulting server 200).

Specifically, the client terminal 100 accesses the asset management consulting server 200 through the network 150 to determine whether or not to invest in the financial investment product, the information on the investor's own personal information, the financial status, A model portfolio for achieving financial goals from the asset management consulting server 200 and a plurality of financial investment products suitable for the portfolio investment, It is an investment customer terminal.

At this time, the client terminal 100 may access the asset management consulting server 200 through the network 150 and may perform a consulting service related function for investment of a portfolio of financial investment products according to financial goals, (Personal Digital Assistant), a smart phone, a tablet, a netbook, and a notebook.

Here, the client terminal 100 includes an interface for exchanging information with the asset management consulting server 200 through a network 150, which is not shown in detail in the drawing, An input unit such as a keyboard and a mouse for receiving information on basic investment information, a display unit for displaying various information and screens related to the financial investment product in connection with the asset management consulting server 200, A storage unit for storing operating information for operating and various kinds of software, and a control unit for controlling functions of the respective units.

At this time, the interface supports a plurality of communication protocols required for data transmission / reception between the client terminal 100 and the asset management consulting server 200 via the network 150, and performs packet conversion between the IP packet and the Ethernet packet It is apparent to those skilled in the art that the asset management consulting server 200 described later has an interface unit that performs the same function.

The network 150 is a wireless network such as a TCP / IP protocol that can be connected to a wired network through various devices capable of computing and a WAP protocol that can be wirelessly connected to the network 150. The network 150 may be a LAN, a Wi-Fi, a 3G / 4G, And the like.

Also, the asset management consulting server 200 presents the financial design diagnosis result determined to be suitable for the information inputted from the client terminal 100, analyzes the investor tendency, suggests a plurality of model portfolios, 100) to propose financial investment products such as stocks, bonds, mutual funds, beneficiary certificates, and ETFs suitable for the asset allocation strategy of the model portfolio selected by the investor. If the investor invests in these financial investment products, It is a terminal supporting the execution of tactical asset allocation such as providing additional information such as signal and achievement of financial targets, remaining maturity, etc., and further buying or disposing of these financial investment products.

2, the asset management consulting server 200 includes an input unit 210, a database unit 220, a storage unit 230, a program drive unit 240, a display unit 250, (260) and a control unit (270).

Specifically, the input unit 210 accepts an investment intention signal for a financial investment product, personal information of an investor, and basic investment information from the client terminal 100.

Although the input unit 210 receives the investment intention signal, the personal information of the investor, and the basic investment information through the client terminal 100, the input unit 210 drives the asset management analysis program, May be input directly from the financial manager's asset manager consultant through the keyboard and mouse, as long as the information related to the portfolio investment can be analyzed.

The database unit 220 is a big data base that stores information on investment customers received from a plurality of client terminals 100 through the input unit 210 and information related to portfolio investment of financial investment products, The financial investment information DB 222, the investment information DB 223, the model portfolio DB 224 and the financial investment product DB 225 as shown in FIG.

Specifically, the investment customer information DB 221 stores information on the investment customer provided by the client terminal 100, such as name, gender, age, contact, e-mail, marital status, residence type, family relationship, Together with the management number assigned corresponding to such investment customer information.

The financial planning information DB 222 is constructed by building information data necessary for establishing financial goals such as an expected life span for each age group, a suitable average age-old living cost, an annual education spending rate, a trend of annual college tuition increase rate, an average wedding cost, 100) to input the information necessary for financial design such as the financial target, investment propensity, investment amount, investment period and investment method, expected return of the investment customer through the input unit 210 to present the simulation result of the financial design Support.

The investment information DB 223 includes an investor information confirmation letter asking the age, the asset status, the financial goal and the investment period, the investment experience and the knowledge level, the target return rate and the risk tolerance of the corresponding investment customer from the client terminal 100, A basic investment plan such as a financial goal, an investment propensity, an asset type to be invested, an investment period, an investment amount, an investment method, and an expected profit rate is input through the input unit 210, It is used as basic data to suggest asset management strategy.

The model portfolio DB 224 builds and stores model portfolios for managing portfolios by developing a variety of asset management strategies for each investment propensity by the financial institution and then stores the basic investment plan of the investment customer from the client terminal 100 into an input unit 210), we propose simulation performance on the best / average / minimum return of strategic asset allocation model considering investment propensity and investment period of investment customer, It is possible to propose multiple model portfolios.

The financial investment goods DB 225 builds stocks of commodities that can be invested for each model portfolio according to investment propensity and when the client terminal 100 selects a specific model portfolio among a plurality of model portfolios, We support the proposal of stocks of goods.

The storage unit 230 of the asset management consulting server 200 stores operational information and various programs for operating the asset management consulting server 200. When applied to the present invention, The program 300 is stored.

4, the asset management analysis program 300 includes an investor orientation analysis module 310, a financial design module 320, a model portfolio matching module 330, a financial investment product recommendation module 340 ), An actual portfolio building module 350 and an asset management optimization module 360.

Hereinafter, only the functions of the respective modules will be described. The embodiments of the present invention will be described in detail with reference to the accompanying drawings.

The investor preference analysis module 310 receives an investor information confirmation document from the client terminal 100 through the input unit 210 and analyzes the input information using an evaluation criterion for analyzing the propensity to invest to analyze the propensity of the investor to be.

Here, the above-mentioned Investor Information Confirmation Sheet is a general questionnaire about investors' ages and assets, financial goals and investment period, investment experience and knowledge level, target rate of return and risk tolerance in order to analyze investor's tendency by financial goals.

The financial design module 320 inputs information required for financial design such as an investment customer's financial goal, investment propensity, investment amount, investment period and investment method, expected return, etc., from the client terminal 100 through the input unit 210 As a means of deriving the financial design result and providing it to the investor, the investor can utilize the result as basic data for establishing the basic investment plan.

The model portfolio matching module 330 receives a basic investment plan of an investment customer from the client terminal 100 through the input unit 210 and suggests a plurality of model portfolios determined to be suitable for the basic investment plan.

Here, the model portfolio is an asset allocation model in which a financial institution manages its portfolio by developing various asset management strategies that utilize strategic asset allocation and tactical asset allocation for each investment tendency. When an investment customer completes input of a basic investment plan, The consulting server 200 uses the model portfolio matching module 330 to analyze data for several decades built in the model portfolio DB 224 to determine the strategic asset allocation reflecting the investment propensity of the investor, Simulation results on the model's maximum / average / minimum returns are presented to support investors' decision making.

For example, if an investor sets up an expected return within a simulation of the highest / average / lowest return of a strategic asset allocation model, the asset management consulting server 200 of the financial company presents the investment principal and the target amount, A plurality of model portfolios matching the basic investment plan through the portfolio matching module 330 are proposed.

The financial investment product proposal module 340 constructs a commodity group of commodities that can be invested for each model portfolio in the financial investment commodity DB 225 described above and allows the investor to transmit a specific model portfolio among a plurality of model portfolios through the client terminal 100 If selected, it is a means to propose stocks of financial investment products.

Here, the asset management consulting server 200 proposes a financial investment product through the financial investment product proposal module 340, suggests a method of suggesting a single commodity stock group, and suggests a stock group of various commodities so that a portfolio can be constructed There can be a way.

The actual portfolio building module 350 selects a desired stock from among the single stock items offered by the asset management consulting server 200 through the financial investment product recommendation module 340 or selects a stock item from the client terminal 100 By referring to the guidance of the model portfolio selected by the investor and the asset to be invested in the inputted basic investment plan, and the asset management consulting server 200 determines the proportion of investment in the portfolio proposed by the financial- It is a means to complete the construction of the actual portfolio by selecting the stocks of various commodities and incorporating them into the portfolio.

If the financial management company inputs a tactical asset allocation signal because it is determined that the portfolio investment needs to be adjusted due to a change in the capital market, the asset management optimization module 360 may notify the investor of the tactical Providing the guidance on asset allocation and the actual portfolio of the investor, the investor compares the guidance of the model portfolio with the asset allocation of the real portfolio and the remaining maturity through the client terminal 100 to purchase or dispose of the stock, It is a means to support asset allocation.

The program driver 240 drives the asset management analysis program 300 configured as described above so that the client terminal 100 can receive a consulting service for portfolio investment in financial investment products.

The display unit 250 displays an input screen for inputting information related to consulting for investment in a portfolio investment for a financial investment product and various analysis results on a screen, and includes, for example, a CRT, a PDP, and a LCD monitor .

The transmission unit 260 transmits information related to consulting for the portfolio investment that has been analyzed through the asset management consulting server 200 to the client terminal 100.

The control unit 270 controls functions of the input unit 210, the database unit 220, the storage unit 230, the program drive unit 240, the display unit 250, and the transmission unit 260, To provide customized consulting services that are necessary for this portfolio investment.

In the following, a method for providing a customized consulting service for a portfolio investment of financial investment products according to an embodiment of the present invention, which is performed through the system configured as described above, is described in FIGS. 1 to 4, 5 to Fig. 22.

FIG. 5 is a flowchart illustrating a method of providing a customized consulting service for a portfolio investment of financial investment products according to an embodiment of the present invention. FIG. 6 illustrates an example of inputting personal information of an investment customer applied to the present invention Fig.

FIG. 7 is a view showing an example of inputting financial state table information of an investment customer applied to the present invention, FIG. 8 is a view showing an example of cash flow statement information input by an investment customer applied to the present invention, and FIGS. 10 is a diagram showing examples of input and result derivation of the simplified financial design applied to the present invention.

11 is a diagram showing an example of investment information input by an investment customer applied to the present invention, and FIG. 12 is a view showing an example of an investment item weight evaluation item of an investment propensity analysis of an investor information confirmation sheet applied to the present invention, 13 is an exemplary diagram showing an example of a type of investor tendency and an investment suitability asset applied to the present invention.

FIG. 14 is a view showing an example of basic investment plan information applied to the present invention, and FIGS. 15 to 17 are views showing examples of proposal and development process of a model portfolio applied to the present invention.

19 and 20 are views showing an example of actual portfolio construction applied to the present invention, and FIGS. 21 and 22 are diagrams showing an example of a non- FIG. 5 is a diagram showing examples of guidelines regarding tactical asset allocation and target amount management applied to the present invention. FIG.

First, the asset management consulting server 200 receives the personal information of each investment customer from a plurality of client terminals 100 associated with the network 150 through the input unit 210, receives a management number corresponding to the personal information, And stores it in the investment customer information DB 221 (S501).

6, the personal information of the investment customer stored in the investment customer information DB 221 includes information such as name, gender, age, contact, e-mail, marital status, It can be a car status and a job.

At this time, the personal information of the investment customer may be different according to the business strategy of the financial company. In this way, the investor can understand the financial needs (NEEDS) and provide the information and ideas necessary for establishing the financial goal Can be obtained.

Next, the asset management consulting server 200 receives the financial state table and the cash flow chart from the client terminal 100 through the input unit 210 and derives the net asset and the net cash flow, and stores it in the financial design information DB 222 (S503) and present it to the client terminal 100 to support the simple financial design of the investment customer and the preparation of the investor information confirmation sheet.

However, if the investor determines that he or she can create a simplified financial design or investor information confirmation without the help of the statement of financial position and the cash flow statement, he can request the proceeding to the next step without inputting it.

Here, the above-mentioned financial status table is used for analyzing the assets and liabilities of an investee at a certain point of time to grasp financial soundness, information necessary for establishing a financial target corresponding to the financial capability, and financial information As shown in FIG. 7, includes detailed items such as cash and cash equivalents, investment assets, insurance assets, retirement assets, and used assets, and detailed items such as short-term debt, medium-term debt, long-term debt and net assets And the net assets of the company.

In addition, the cash flow table is financial information useful for investors to grasp the cash flow in and out for a certain period of time and to establish a financial plan suited to the financial capability through appropriateness of consumption, diagnosis of savings and investment, As shown in FIG. 3, inputs expenditures including income including earned income, interest income, dividend income, business income, rental income and other income, and fixed expenditure, non-fixed expenditure, savings investment and net cash flow .

9, the asset management consulting server 200 acquires, from the client terminal 100, financial information such as financial targets and investment propensity, investment amount, investment period, investment method, expected return rate of the corresponding investment customer It is determined whether information necessary for the design is inputted (S505).

If it is determined in step S505 that the information necessary for the financial design is input from the client terminal 100, the asset management consulting server 200 transmits the financial planning information Simulation results of the design are derived and presented (S506). The corresponding investment customer can utilize the financial planning result presented in the client terminal 100 to establish a basic investment plan.

On the other hand, if it is determined in step S505 that the information required for the financial design is not input from the client terminal 100 and a request to proceed to the next step is input, the asset management consulting server 200 receives the investor information confirmation Go ahead.

If the 'Investor Information Confirmation Form' is input from the client terminal 100 in step S507, the asset management consulting server 200 transmits an investment incentive analysis evaluation standard of the investment information DB 223 through the investor incentive analysis module 310 And analyzes the propensity of the investor and presents the analysis result to the client terminal 100 (S508).

Herein, the investor information confirmation sheet is used for analyzing the propensity of the investor, as illustrated in FIG. 11, for example, the age of the investor, the asset status, the investment goal and period, the investment experience and knowledge level, This is a questionnaire to ask for general input.

In this case, the investor tendency according to the evaluation criteria of the investment information DB 223 is analyzed according to the information of the investment customer inputted through the investor information confirmation sheet. Generally, as shown in FIG. 13, The asset management consulting server 200 may be classified into five types such as a security-seeking type (low risk), a risk-neutral type (intermediate risk), an active investment type (high risk) , And the name of each type can be used differently.

In addition, the investment propensity analysis result is provided by the asset management consulting server 200 of the financial company as a basic data for establishing the basic investment plan of the investor, and is provided by the model portfolio or the financial investment It is stored in the investment information DB 223 for each financial target for utilization as a criterion for recommending a product and basis data.

For reference, the analysis of investment propensity by financial targets is an approach that recognizes one-off investment tendencies unlike the conventional technology of one-on-one investment tendency. As illustrated in FIG. 12, By assigning weights to variables that have a significant impact on investment risk, such as financial objectives, duration of investment, investment methods, and so on, And to build a portfolio.

On the other hand, if there is an investment request from the client terminal 100 with the investment propensity analysis result in step S508 regardless of whether the simple financial design is executed in step S505, the asset management consulting server 200 performs the asset management consulting The server 200 accepts the basic investment plan information as shown in FIG. 14 and stores it in the investment information DB 223 so as to grasp detailed information on the investment plan from the client terminal 100 (S509).

That is, the basic investment plan information for each financial goal as shown in FIG. 14 clearly recognizes the investment plan to the investor while inputting the information, and the asset management consulting server 200 of the financial company has a detailed investment plan And can be used as a basic resource for presenting a customized asset management strategy suitable for the investor, as well as stored in the investment information DB 223, It is used as basic data.

Therefore, the basic investment plan information for each financial goal can be configured in various forms according to the financial company's business strategy, and the financial company should be specific enough to be able to establish and present a customized asset management strategy to the investor. That is, the basic investment plan exemplified in FIG. 14 can clarify the investment plan through questionnaires on whether to invest according to investor tendency, type of investment asset, investment period, amount of investment, expected return, etc., By entering the answers to the questionnaires and confirming the target amount, you can clearly understand your investment objectives.

Subsequently, when the basic investment plan information is received through the step S509, the asset management consulting server 200 searches the model portfolio DB 224 through the model portfolio matching module 330 to match the basic investment plan A plurality of model portfolios are proposed and selected to the investor of the client terminal 100 (S511).

That is, as illustrated in FIG. 17, the asset management consulting server 200 of the financial company develops model portfolios including various asset allocation strategies according to the propensity of investors, stores them in the model portfolio DB 224, The plurality of model portfolios matching the investment tendency, the investment period, and the investment method in the basic investment plan of the investor through the matching module 330 can be proposed as shown in FIG. 15 and FIG.

More specifically, when the investor inputs the basic investment plan information, the asset management consulting server 200 uses the data for several decades built in the model portfolio DB 224 to calculate the investment propensity, the investment period, and the investment method of the investor We present the simulation results on the best / average / lowest yield of the strategic asset allocation model and support the decision making of the investor. If the investor has the expected rate of return within the simulation range of maximum / average / minimum return of the strategic asset allocation model The asset management consulting server 200 automatically presents the investment principal and the target amount as shown in FIG. 14 through the model portfolio matching module 330, and as shown in FIGS. 15 and 16, , We present data and graphs showing the investment performance and volatility of the proposed model portfolios, Which should help you choose the model portfolio.

However, if the investor sets an expected rate of return higher than the maximum rate without setting the expected rate of return within the simulation range of the maximum / average / minimum rate of return of the strategic asset allocation model, the asset management consulting server (330), and it is possible to propose a plurality of model portfolios that are close to the expected return of investors among the model portfolios matched with the investment propensity higher than the investment propensity of investment customers do.

For reference, FIG. 15 is an example of a model portfolio proposal showing simulation performance on the maximum / average / minimum return per model portfolio when a risk-neutral investor invests 7 years, and FIG. FIG. 17 is an example of the development of the model portfolio developed by the asset allocation strategy using the investment method, the investment strategy, and the investment period according to the investment propensity .

Here, the model portfolio is a portfolio modeled by differentiating the incorporation proportion of equity-type funds, bond funds, alternative investment funds, foreign investment funds, and MMFs by investment propensity, investment method, and investment strategy. Multiple model portfolios can be proposed, and a model portfolio containing an asset management strategy similar to your investment plan can be selected and utilized for asset management.

When one of the plurality of model portfolios is selected from the client terminal 100 through the step S511, the asset management consulting server 200 transmits the financial investment goods DB 225 through the financial investment product recommendation module 340 And suggests a financial investment product group included in the product type of the corresponding model portfolio (S513).

As shown in FIG. 19, the asset management consulting server 200 may suggest a financial investment product through the financial investment product recommendation module 340 by constructing a method of suggesting a stock group of a single commodity and a portfolio There is a way to propose stocks of various commodities to be able to do.

That is, the method of proposing the single stock commodity group is a case where the investor desires to invest in a single commodity, and the commodity management consulting server 200 is suitable for the risk level of the model portfolio selected by the investor through the client terminal 100 We propose stocks of financial investment products to be judged.

At this time, the asset management consulting server 200 judges whether or not the investor selects a financial investment product of a higher grade than the result of analysis of the investment tendency of his / her own (S515), and selects a financial investment product of a higher- In this case, as shown in FIG. 18, the 'unsuitable financial investment product transaction confirmation document' for notifying the content of the product and the risk of investment is presented and signed (S516), and the corresponding item group of the single product is suggested.

The asset management consulting server 200 determines whether or not the investor has selected a risk model of the model portfolio selected through the client terminal 100 based on the model portfolio selected by the investor, And suggests stocks of financial investment products that are deemed appropriate.

At this time, the asset management consulting server 200 determines whether the risk-rated financial investment products are included in the portfolio (S515) as a result of the analysis of the investor's own investment propensity, If it is incorporated, as shown in FIG. 18, an 'unsuitable financial investment product transaction confirmation document' notifying the content of the product and the risk of investment is presented and signed (S516) do.

For reference, in order to comply with the 'principle of conformity' stipulated in the 'Capital Market and Financial Investment Business Act', a financial company operating the asset management consulting server 200 must have the same or a lower risk rating And if an investor wishes to invest in a product of a higher risk than his or her own propensity to invest, he / she must file a "non-conforming financial investment product transaction confirmation" confirming that he / You can sell.

In addition, the above-mentioned 'principle of conformity' applies only to financial investment products and does not apply to portfolios. Therefore, investors with a lower risk level than the attack-type investor should write 'non-conforming financial investment commodity transaction certificate' in order to invest a certain amount of investment products suitable for the investor of the attack investment type in order to construct a portfolio. For example, if a risk-neutral investor is to establish a portfolio of the same risk with a stock-type fund and a bond-type fund, it is essential to prepare a "non-conforming financial investment commodity transaction confirmation".

Thereafter, the asset management consulting server 200 receives from the client terminal 100 a selection signal for one or more items of the financial investment product stock group proposed in the above step S513, and transmits the selection signal to the client terminal 100 through the actual portfolio building module 350 As shown in FIG. 20 and FIG. 20, the investment customer supports purchase of the stock according to the investment weight of each product, thereby supporting the construction of the actual portfolio reflecting the investor's investment plan (S517).

Next, when the financial company inputs a tactical asset allocation signal because it is determined that there is a need to change the capital market or the investor's asset redistribution, the asset management consulting server 200, as shown in FIG. 21 and FIG. 22, It provides guidance such as a tactical asset allocation guideline and a target amount management guideline to the investor of the client terminal 100 and provides information such as the tactical asset allocation signal of the financial company, the achievement of the financial goal and the remaining maturity, The asset management optimization module 360 can support the redistribution of portfolio assets such as additional purchase or disposal of financial investment products (S519).

Here, as the tactical asset allocation, there is a method of replacing a single commodity according to a method of constructing an initial real portfolio, and a method of adjusting an investment proportion of an actual portfolio. In other words, a single commodity investor disposes of the financial investment products that it has held and replaces it with a method that purchases the stocks that are similar to the guidance of the model portfolio with the portfolio composition ratio. The portfolio investors have the same ratio of the actual portfolio as the model portfolio guidance Adjust in a matching manner.

After the step S519, if the valuation amount of the actual portfolio of the investor reaches the target amount and the remaining maturity remains, the asset management consulting server 200 transmits the investment amount to the investor's client terminal 100 through the transmission unit 260 Provide information on target achievement, information on the direction of tactical asset allocation and remaining maturity, and help investors decide whether to dispose of the real portfolio or to divide the portfolio.

In order for the asset management consulting server 200 of the financial company to smoothly support the customized consulting required for the investor's portfolio investment step by step, it is important for the investor to communicate with the client terminal 100. The asset management consulting server 200, Can communicate with the client terminal 100 through various channels of wired and wireless such as e-mail, text and telephone conversation using the customer information of the investment customer information DB 221 and the transmission unit 260. [

Thus, according to the present invention, a financial company can conduct standardized consulting on portfolio investment in the entire process of selling, managing, and disposing of financial investment products such as funds through online, and individual investors are not discriminated on the basis of investment amount It is possible to receive customized consulting services scientifically and systematically for portfolio investment, providing the opportunity to maintain consistency of asset management and improve long-term investment performance through quality services.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, Of course.

That is, the present invention can be implemented as a computer-readable code on a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like, and may also be implemented in the form of a carrier wave such as transmission over the Internet. The computer readable recording medium may also be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner.

100: client terminal 150: network
200: Asset management consulting server 210: Input unit
220: Database part 221: Investment customer information DB
222: financial design information DB 223: investment information DB
224: Model Portfolio DB 225: Financial Investment Products DB
240: Program drive section 250:
260: Transmitting unit 270:
300: Asset Management Analysis Program 310: Investor Disposition Analysis Module
320: Financial Planning Module 330: Model Portfolio Matching Module
340: Financial investment product proposal module 350: Actual portfolio construction module
360: Asset Management Optimization Module

Claims (10)

A system for providing customized consulting services for portfolio investment of financial investment products by financial targets,
A client terminal 100 connected to the asset management consulting server 200 via the network 150 to provide investment intention, personal information, and basic investment information on the financial investment product; And
And an asset management consulting server 200 analyzing a portfolio investment corresponding to the information input from the client terminal 100 and a financial investment product suitable for the portfolio investment and proposing and selecting the asset investment management consulting server 200 to the client terminal 100,
The asset management consulting server 200 drives the asset management analysis program 300 stored in the storage unit 230 to provide a customized consulting service for portfolio investment for each financial target of financial investment products. Customized consulting service provision system for portfolio investment of financial products by investment products. The method according to claim 1,
The asset management consulting server (200)
An input unit 210 for receiving an investment intention signal for a financial investment product, personal information of an investor, and basic investment information from the client terminal 100,
A database unit 220 for storing information on investors received from a plurality of client terminals 100 through the input unit 210 and portfolio investment information of financial investment products,
A storage unit 230 for storing operational information and an asset management analysis program 300 for operating the asset management consulting server 200,
And a program driving unit (240) for driving the asset management analysis program (300) to allow the client terminal (100) to receive a consulting service for portfolio investment for a financial investment product A customized consulting service provision system for portfolio investment by financial targets. 3. The method according to claim 1 or 2,
The asset management analysis program (300)
An investor tendency analysis module 310 for receiving an investor information confirmation report for each financial goal from the client terminal 100 through the input unit 210 and analyzing the investment propensity of the investor using the input information analysis evaluation criterion, and,
A financial planning module 320 that receives information necessary for the financial planning of the investor from the client terminal 100 through the input unit 210 and derives a financial design result that can be used as basic data necessary for establishing a basic investment plan, )and,
A model portfolio matching module 330 receiving a basic investment plan of the investor from the client terminal 100 through the input unit 210 and analyzing and proposing a plurality of model portfolios corresponding to the basic investment plan,
A financial investment product proposal module 340 for selecting a specific model portfolio among a plurality of model portfolios through the client terminal 100 and analyzing and suggesting a stock group of financial investment products corresponding to the specific model portfolio;
In order to receive the selection signal of the client terminal 100 from among the stock groups of the financial investment product proposed by the asset management consulting server 200 through the financial investment product proposal module 340 and to incorporate the selection signal into the portfolio, A portfolio building module 350,
Asset management that provides the tactical asset allocation signal, financial goal achievement, and remaining maturity information for each model portfolio through the client terminal 100 and enables the investor to execute the asset reallocation by additionally purchasing or disposing financial investment products And an optimization module (360). The system for providing customized consulting services for portfolio investment by financial targets of financial investment products. 3. The method of claim 2,
The database unit 220,
An investment customer information DB 221 for storing investor personal information provided from the client terminal 100 and a management number corresponding to the personal information,
The financial design information (financial planning information) for presenting and storing the simulation results from the client terminal 100 by inputting information necessary for the financial design including at least one of the investor's financial position and investment propensity, investment amount, investment period, investment method, A DB 222,
From the client terminal 100, a basic investment plan including at least one of an investor information confirmation sheet for analyzing the investment propensity of the investor, a financial goal, an investment propensity, an asset type to be invested, an investment period, an investment amount, An investment information DB 223 for presenting a customized asset management strategy suitable for the investment plan of the investor after storing,
A model portfolio DB 224 for inputting a basic investment plan of an investor from the client terminal 100 and presenting a simulation result of a strategic asset allocation model considering an investment propensity and an investment period of an investment customer and a plurality of model portfolios; ,
If the client terminal 100 selects a specific model portfolio from among a plurality of model portfolios, the financial stocks of the financial investment products included in the selected model portfolio may be classified according to the investment tendency of the investor. And a financial investment product DB (225) for providing a consulting service to the financial investors. A method for providing customized consulting services for portfolio investment of financial investment products by financial goals,
(a) an individual investor provides personal information to the asset management consulting server 200 through the client terminal 100, checks his or her financial status in order to establish a basic investment plan for each financial goal, Preliminary preparation step (S506);
(b) An individual investor inputs a basic investment plan including one or more of financial targets and investment propensity, desired investment amount, investment period, investment amount, investment method, expected return rate through the client terminal (100) (S509);
(c) a step S511 of suggesting and selecting a plurality of model portfolios determined by the financial company through the asset management consulting server 200 as conforming to the basic investment plan input in the step (b);
(d) If the asset management consulting server 200 selects one of the plurality of model portfolios through the step (c), the financial company transmits the stocks included in the product type of the corresponding model portfolio through the asset management consulting server 200 A step S513 of offering and selecting a financial investment product including at least one of bonds, mutual funds, beneficiary certificates, and ETFs to the client terminal 100; And
(e) When the asset management consulting server 200 receives the selection signal of the financial investment product from the client terminal 100 through the step (d), it receives at least one of the tactical asset allocation signal, the financial goal achievement degree, And a tactical asset allocation and target amount management step (S519) for providing the client terminal (100) with the information including the tactical asset allocation to purchase or dispose of the financial investment product A method of providing customized consulting services for portfolio investment by financial targets of financial investment products. 6. The method of claim 5,
In the step (a)
(a1) the asset management consulting server 200 receives personal information of each investment customer from a plurality of client terminals 100 and stores the information in the investment customer information DB 221;
(a2) the asset management consulting server 200 receives the financial statement and the cash flow chart from the client terminal 100 and derives the net asset and the net cash flow; And
(a3) When the asset management consulting server 200 receives the simple financial design application based on the net asset, net cash flow and investment propensity information of the step (a2) from the client terminal 100, the client terminal 100 From the financial planning module 320, inputting the information necessary for the financial design including at least one of the financial target, the investment propensity, the investment amount, the investment period, the investment method, and the expected rate of return of the investment customer, The method of claim 1, further comprising the step of providing a consulting service to the financial investors. 6. The method of claim 5,
In the step (b)
(b1) The asset management consulting server 200 receives an investor information confirmation document capable of analyzing the investment propensity of the investor himself / herself from the client terminal 100, and analyzes the investment propensity of the investor through the investor propensity analysis module 310 And presenting it in the investment information DB 223;
(b2) based on the financial design result of the step (a3) and the investment propensity analysis result of the step (b1), or based on the investment propensity analysis result of the step (b1) The asset management consulting server 200 receives from the client terminal 100 a basic investment including one or more of the financial target of the investment customer, the investment propensity, the type of asset desired to be invested, the investment period, the amount of investment, Storing planning information in the investment information DB 223; And
(b3) If the basic investment plan is inputted from the client terminal 100 in the step (b2), the asset management consulting server 200 calculates a maximum / average / average value of the strategic asset allocation model reflecting the investment propensity, Further comprising providing the client terminal (100) with a simulation result related to a minimum profit rate to support the determination of an expected return of an investor. 6. The method of claim 5,
In the step (c)
(c1) If the basic investment plan is inputted from the client terminal 100 through the step (b), the asset management consulting server 200 transmits the basic investment plan in the model portfolio DB 224 through the model portfolio matching module 330, A plurality of model portfolios including a customized asset management strategy corresponding to the plurality of model portfolios; And
(c2) using the accumulated data constructed in the model portfolio DB 224 by the asset management consulting server 200, the asset allocation strategy and the maximum / average / minimum return rates of the model portfolios proposed in the step (c1) And providing the simulation result and graph to the client terminal (100) to support the selection of the investor. The method of claim 1, 6. The method of claim 5,
In the step (d)
(d1) When the model portfolio selected from the client terminal 100 is input in the step (c), the asset management consulting server 200 proposes a single product investment scheme and a portfolio investment scheme through the actual portfolio building module 350 Suggesting that the investor can determine the rate of incorporation of a single commodity or the proportion of investment by commodities in the portfolio within the scope of asset allocation of the model portfolio;
(d2) If the investment mode and asset allocation range selected from the client terminal 100 are inputted in the step (d1), the asset management consulting server 200 transmits the financial investment product DB 225 ) Proposing and selecting a stock group of a commodity to be incorporated in a single commodity stock group or a portfolio of a transfer ratio selected by an investment customer; And
(d3) The asset management consulting server 200 judges whether or not the investor selects a product having a higher risk than the investment propensity of the investee, and when selecting a product with a higher risk level, And a step of suggesting a stock group of the financial investment product after receiving a signature of a non-conforming financial investment commodity transaction certificate informing the investor of the risk of the investment. The financial investment commodity includes a customized consulting service Delivery method. 10. The method of claim 9,
(d4) After the financial investment product selected from the client terminal 100 is inputted in the step (d2) and the actual portfolio is constructed, the asset management consulting server 200 transmits the tactical asset allocation to the investor of the corresponding client terminal 100 Providing guidance including a guideline and a target amount management guideline and providing information including at least one of financial company tactical asset allocation signal, financial target achievement degree, The method comprising the steps of: (a) providing a tactical asset allocation for reallocating or disposing of assets through a plurality of financial investment products;
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