KR20210058178A - Public announcement service platform and application of professional grading system for investor expertise who recommend stocks - Google Patents

Abstract

The present invention relates to a service platform for disclosure of evaluation of an earnings rate and a grade of professionalism of an investor conducting stock investment advice. The service platform comprises: an input module for receiving investment account information of a subject to be evaluated; a grade determination module for extracting account earnings rate data by period from the investment account information of the subject to be evaluated, receiving index information of a stock market, and extracting market earnings data by period to calculate the performance of the account earnings rate by period of the subject to be evaluated compared to the market earnings rate by period as a performance index, calculate a stability index in consideration of the volatility of the account earnings rate by period in the investment account information of the subject to be evaluated, and calculate an evaluation index representing a professional grade in consideration of the performance index and the stability index; and a web page construction module for disclosing the evaluation index calculated by the grade determination module together with identification information of the subject to be evaluated so that a third party can read the identification information and the evaluation index of the subject to be evaluated.

Description

A service platform and service application for evaluating the rate of return of investors who are advising stock investments and disclosing the level of expertise {PUBLIC ANNOUNCEMENT SERVICE PLATFORM AND APPLICATION OF PROFESSIONAL GRADING SYSTEM FOR INVESTOR EXPERTISE WHO RECOMMEND STOCKS}

The present invention relates to a platform for evaluating the returns of investors who engage in stock investment advisory and publicizing their level of expertise, and publicly requesting investment advice by disclosing the degree of expertise of stock experts engaged in similar investment advisory business It is related to a service platform to allow the ability to evaluate the ability of the company.

A formal financial business entity specified in Article 6 of the Capital Markets and Financial Investment Business Act is classified as an investment advisory business. The investment advisory business entity operates after obtaining a formal license from the Financial Supervisory Service. On the other hand, the similar investment advisory business is registered as a simple report with the Financial Services Commission without the permission of the Financial Supervisory Service and is distinguished from a formal financial business entity. Similar investment advisory business refers to a business that provides only investment information to an unspecified number of people using communication media such as the Internet and receives a certain price because it is not a formal financial business entity and cannot directly trade or manage the accounts of others.

Currently, similar investment advisors are called stock experts, and they advise on direct investments such as stock recommendation, purchase ratio, and trading timing. Similar investment advisors naturally refuse to disclose their actual accounts because they cannot buy or sell the stocks recommended to members, and they induce ordinary customers by emphasizing only the performance of the advisory that they have hit. In this way, it becomes more difficult for a quasi-investment advisory company with a certain experience to prove their stock skills before the advisory business. Therefore, it is common for ordinary people to suffer big losses by buying and selling stocks with speculative tendencies that do not fit the nature of stock investment by so-called experts who have not been verified. From the standpoint of the general public receiving investment advice, as long as the investment responsibility lies with the person, even if there is a question about the skill of the expert, there is no remedy, and only the result of rebuking himself for choosing the wrong expert will follow.

In the prior art, there are some prior literatures evaluating the reliability of stock investors or stock analysts, but a service suitable for evaluating the reliability of similar investment advisors by the general public has not yet been proposed. In the following, a conventional technique for evaluating the reliability of a stock investor or stock analyst and its limitations will be described.

Korean Patent Laid-Open Publication No. 10-2019-0100479 (A method for evaluating the ability to select investment items and an evaluation system therefor, hereinafter referred to as'Document 1') is a more reliable evaluation method and a system for performing the evaluation for investment analysts. Start. Document 1 is a means of evaluating the reliability of investment analysts, receiving selection information for stocks and determining whether the stocks for the target period are successful or not and whether they are profitable or not.

Here, if an investment analyst who is evaluated is a so-called stock expert who runs a similar investment advisory business that recommends stocks to the general public, evaluating performance based on “stock” as in Document 1 does not guarantee reliability. So-called stock experts, who operate a similar investment advisory business, recommend a number of stocks to a large number of members. In some cases, so-called stock experts engaged in a similar investment advisory business recommend X1 to X5 stocks to A member and X6 to X10 stocks to B members. As the spread of recommended stocks widens, there will surely be stocks with profits. However, the problem is that even though A member who has lost money with X1 to X5 stocks withdraws from membership, B member who has profited with X6 to X10 stocks has strong trust in stock experts. If the spread business as in the above example is performed, it may be felt to certain members that an expert's stock recommendation is in full swing. The biggest problem of a stock expert in a quasi-investment advisory business is that even if the stock expert himself does not own stocks, he receives regular reading fees from members only by recommending stocks. Since the stock expert himself does not own stocks, there is no damage even if the stock selection fails, and if there are only members who have succeeded in the selection of stocks, there is no obstacle to profit activities. Because even broken watches are hit twice a day, it is a reality that you can become a so-called stock expert simply by choosing an appropriate language and business method regardless of your investment advisory skills. In the similar investment advisory business, if we approach the evaluation of the rate of return on the selection of stocks, it is impossible to accurately verify the competence of stock experts who do not disclose their own accounts.

Therefore, if the subject of evaluation is a stock expert who does not disclose his/her account or recommends a stock to others without actually making stock investment by posting only a screen shot of the account yield that has been carefully edited, the reliability evaluation disclosed in Document 1 and Other means of problem solving should be suggested.

Korean Patent Registration No. 10-1805420 (stock investment reliability evaluation system and method based on stock investment performance, hereinafter referred to as'Document 2') describes a reliable evaluation method and a system for performing the evaluation for investment analysts. Start. Document 2 calculates an evaluation grade on the reliability of an investment analyst, and determines the stock-backed loan or financial transaction limit according to the grade. The measures for solving the problem of reliability evaluation disclosed in Document 2 consider the investment performance based on absolute returns calculated based on the stock trading information of the subject of evaluation, and the investment performance based on relative returns calculated by linking the composite index and index by industry type. . Document 2 discloses a relative rate of return calculated as the difference between the absolute rate of return corresponding to the direct income traded by the subject of evaluation and the combined rate of return considering the composite index as an example of consideration of investment performance. Document 2 proposes a more objective investor reliability assessment method by considering the market rate of return on the final profits of trading stocks rather than evaluating the'stock'.

However, in Document 2, investment performance is evaluated for the purpose of determining the limit of financial transactions at the time of stock-backed loan or investment attraction. In this case, if the target is the so-called stock expert who runs a similar investment advisory business, where the investment analyst who is evaluated is the target of a similar investment advisory business that recommends stocks to the general public, the evaluation of investment performance that generates consistent returns without excessive volatility in investment performance will be particularly important. In the disclosed embodiment of Document 2, assuming that the investment evaluation target is evaluated for the investment performance for 5 years, the absolute rate of return is significantly lower than the market rate of return for 4 years, and if it is evaluated in the 4th year, it is very low. You will be evaluated. However, if the subject of the investment evaluation records an absolute rate of return superior to the market rate of return by buying and selling so-called jackpots with leveraged risk investment such as unreceived/credit, etc. in the following year, it will be transformed from the final five-year evaluation to a higher grade. It is possible. If, as in Literature 2, the subject evaluating investors is an institution that makes stock-backed loans or a specialized institution that seeks to attract investment, the above-described problem situation that may undermine the reliability related to investment stability can be judged on its own. However, if the target is a so-called stock expert who runs a similar investment advisory business where an investment analyst who is evaluated is recommending stocks to the general public, the evaluation factor that allows the general public to judge the bubble of absolute and relative returns by so-called jackpots. Should be considered.

Korean Registered Patent No. 10-1119346 (Method of evaluating investment analysts based on hit ratio online, hereinafter referred to as'Document 3') is a method of evaluating and quantifying the market analysis capabilities of investment analysts, thereby substantially meeting the needs of ordinary investors. In accordance with this, it discloses a method that can be used as a meaningful indicator for investment activities. Document 3 is a task-solving means to evaluate the market analysis ability of investment analysts, and the hit rate is quantified by receiving information on the predicted stock price of the investment analyst. Document 3 discloses a valuation method that is particularly suitable for the analyst's analytical ability to recommend a company based on the analysis of the company and present a target price, even if no actual investment is made.

Here, if the investment analyst being evaluated is a so-called stock expert who runs a similar investment advisory business that recommends stocks to the general public, not analysts, evaluating performance based on hit ratio as in Document 3 does not guarantee reliability. In actual stock trading, not only the selection of the stock, but also the control of the proportion of the stock trading has an absolute influence on the rate of return. Even if a stock expert has a high hit rate, if they buy a large proportion of failed stocks that could not be hit, the stock investor could suffer a huge loss. Therefore, unlike analysts whose analysis ability is important, so-called stock experts who are engaged in similar investment advisory businesses recommending stocks to the general public should consider their ability to appropriately form a portfolio by considering the weight in the selection of companies.

As we have seen, various methods of evaluating the reliability of investors, information providers, or analysts in the past are disclosed, but so-called stock experts who operate a similar investment advisory business that recommend stocks to the general public are targeted so that they do not cause great damage to the general public. A suitable method for evaluating the objective reliability of stock experts has not been proposed.

Since its introduction through the Securities Exchange Act in 1997 for the purpose of fostering private investment advisory firms, the similar investment advisory business can be operated only by'reporting'. Therefore, similar investment advisory firms are able to conduct legitimate business activities only by reporting regardless of their investment ability, and the general public is not in an institutional environment in which similar investment advisory firms can be objectively evaluated. The bigger problem is that the investment advice of similar investment advisors is mainly made up of chart analysis in which objectivity is not guaranteed, or the recommendation of soaring stocks based on unfounded know-how techniques. Such a stock market environment adversely affects the creation of a sound investment culture, and even today, the majority of ordinary people perceive stock investment as an extension of gambling behavior.

The evaluation and licensing of investment skills is extremely difficult to implement systematically. The quasi-investment advisory business is a “report” system that allows permission to be granted without a separate skill evaluation, but they voluntarily refer to themselves as “experts”. Accordingly, the applicant does not disclose the return on his/her investment for reasons such as the distorted rate of return of similar investment advisors, the rate of yield by subtly editing the section of profit, or other reasons. It came to devise a system that could objectively judge and evaluate.

Korean Patent Publication No. 10-2019-0100479 Korean Patent Registration No. 10-1805420 Korean Patent Registration No. 10-1119346

The present invention relates to a service platform and service application capable of objectively determining and evaluating the investment performance of an investor, taking into account both the characteristics of the return on investment and the stability of the investment, investment ability suitable for consulting others rather than consequential return evaluation. We want to comprehensively verify whether we have the ability to build a portfolio and a portfolio.

Furthermore, the present invention enables the evaluation of minimum expertise in a similar investment advisory business without a license system by disclosing verified performance indicators in a rating and ranking so that a third party can see them, and the business conduct of false and exaggerated advertisements by self-proclaimed experts. We intend to provide a service platform and service application that can form a right competitive arena for improving investment skills and a sound investment culture by allowing consumers who want to get advice on their own.

In order to achieve the above object, the present invention provides a service platform for evaluating a rate of return and announcing a level of expertise of an investor who conducts stock investment advice, comprising: an input module receiving information on an investment account of a subject of evaluation; By extracting period-specific account return data from the investment account information of the subject of evaluation, receiving stock market index information, and extracting period-by-period market return data, and calculating the performance of the period-by-period account return of the subject to be evaluated as a performance indicator, A rating determination module that calculates a stability index in consideration of the volatility of an account return for each period in the investment account information of the evaluation target person, and calculates an evaluation index representing a professionalism grade in consideration of the performance index and the stability index; And a web page construction module that publishes the evaluation index calculated in the rating module with the identification information of the evaluation subject so that a third party can view the evaluation subject's identification information and the evaluation index. It is characterized by one.

Preferably, the rating module includes a date on which the evaluation target person inputs investment account information and requests evaluation as a last date, and a base date of one year prior to the inverse calculation is set by the evaluation target person and receives at least one year. ) Or more can be used as the evaluation target period for calculating the evaluation index.

Preferably, the rating module sets the degree of the account return exceeding the market rate of return during the evaluation period set by the evaluation subject as a base value of the performance index, and the investment amount of the evaluation subject or the evaluation subject The performance index may be calculated by calculating the length of the period as a weight of the base value.

Preferably, the rating module is a volatility factor for calculating the stability index, and may compare the performance of the return rate and the performance of the maximum loss in the account return rate data for each period of the evaluation subject.

Preferably, the service platform according to the present invention further comprises a database for storing investment account information of the evaluation subject used for calculating the performance indicator and the stability indicator, and the web page building module includes the third party The third party may be given a permission to search investment account information in the database by receiving a fee from the database, and a part of the fee may be paid to the evaluation ledger to be inquired.

Preferably, when the evaluation index exceeds a predetermined threshold, the web page building module may classify the evaluation index into an expert grade and provide a dedicated web page to the evaluation target person of the expert grade.

In addition, the present invention relates to a service application stored in a medium to be executed on a smartphone, tablet, notebook, or computer having an input means for inputting data and a processing means for processing the input data, wherein the server of the service platform is an evaluation target. The function of receiving input of investment account information; The server of the service platform extracts period-by-period account return data from the investment account information of the subject of evaluation, and receives the stock market index information and extracts the market return data by period to determine the performance of the period-specific account return of the subject to be evaluated compared to the period-by-period market return. A function of calculating a performance index, calculating a stability index in consideration of the volatility of an account return for each period from the investment account information of the subject of evaluation, and calculating an evaluation index representing a level of expertise in consideration of the performance index and the stability index; And executing a function of publicizing the evaluation index calculated by the server of the service platform together with the identification information of the evaluation subject, so that a third party can view the identification information of the evaluation subject and the evaluation index. It is done.

According to the present invention, in the general investment situation where absolute return is targeted, not only the degree of return but also the stability of whether the risk can be reasonably considered in the process of generating the return is evaluated together to advise the investment of others, not the self. Disclosure of the evaluation index so that appropriate competence can be evaluated.

As the evaluation index is disclosed, a third party can relatively evaluate the investor's expertise, and from the perspective of investors, there is an advantage that it enables effective marketing of similar investment advisory businesses as well as confirming their own objective investment skills. Furthermore, a third party can view the investor's return rate information at a predetermined fee due to curiosity about the evaluation index, and a part of the fee may be distributed to the investor through the third party's access. The present invention provides a beneficial service to all service platform operators, investors who want to be evaluated, and third parties, and can inspire motivation for the purpose of improving investment skills and grades by excluding gambling factors.

In addition, since the present invention can be evaluated by an individual investor who is not related to the similar investment advisory business, individual investors can check where their investment skills are relatively, and are motivated to improve their investment skills by themselves. By raising awareness, an investment culture can be formed as a arena for healthy competition.

1 shows an overview of a service platform according to an embodiment of the present invention.
2 shows analysis and inquiry content provided by a service platform according to an embodiment of the present invention.

Hereinafter, the present invention will be described in detail with reference to the contents described in the accompanying drawings. However, the present invention is not limited or limited by exemplary embodiments. The same reference numerals shown in each of the drawings indicate members that perform substantially the same function.

Objects and effects of the present invention may be naturally understood or more clearly understood by the following description, and the objects and effects of the present invention are not limited only by the following description. In addition, in describing the present invention, when it is determined that a detailed description of a known technology related to the present invention may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted.

1 shows an overview of a service platform 1 according to an embodiment of the present invention. 2 shows the analysis inquiry content 67 provided by the service platform 1 according to an embodiment of the present invention. The service platform 1 according to the present embodiment may provide a service for evaluating the rate of return and disclosing the level of expertise of an investor who conducts stock investment advice.

1 and 2, the server 10 operating the service platform 1 according to the present embodiment includes an input module 13, a rating module 15, a database 17, and a web page building module ( 19) may be included. The service platform 1 according to the present embodiment is in the form of a web page 60 built by the operation server 10 of the service provider, and evaluates the rate of return and expertise of the evaluation target 3 in the form of the web page 60 It can be disclosed to a third party (4) who is the general public.

The service platform 1 according to the present embodiment lists the evaluation index 65 of the evaluation target 3 who requested the evaluation on the web page 60 in descending order, and the evaluation index 65 exceeding a predetermined threshold. The received evaluation target (3) can be classified as an expert grade. In more detail, the rating can be further subdivided in consideration of the relative ranking of the evaluation subject (3), and the subdivided grade may be given a tier according to the evaluation index 65 of the evaluation subject (3). . In the example of FIG. 1, investors with an evaluation index 65 of 100 or more may be classified as experts, with the top 1% being the'master' tier, the top 10% being the'gold' tier, and the top 30% being'silver'. Tier of can be granted. As the service platform 1 according to the present embodiment is given the relative ratings and tiers as described above, even the evaluation target 3 who has already obtained sufficient profits in the market, it further inspires investment motivation and continues to invest. It is intended to be able to study and manage.

In addition, the web page 60 provided by the service platform 1 according to the present embodiment allows the evaluation target 3 or a third party 4 to view detailed evaluation information on the calculated evaluation index 65 It is possible to provide the content of the analysis inquiry 67 that can be done. The content of the analysis inquiry 67 provides indicators and diagrams that analyze the investment results of the evaluation target 3 in detail. Accordingly, the evaluation target 3 may consider their own investment style and problems, and the third party 4 may select the appropriateness of the investment advice for the evaluation target 3 in consideration of their propensity.

The service platform 1 according to the present embodiment may construct a revenue model by receiving a fee for performing an analysis from an evaluation target 3 who wants to use the content of the analysis inquiry 67 described above. In addition, the service platform 1 according to this embodiment allows not only the evaluation target 3 but also a third party 4 who is a general public to use the analysis inquiry 67 content, and the third party 4 charges a fee. The evaluation target (3), the party to which the payment is made, and the third party (4) pay part of the fees paid by the third party (4), so that the evaluation target (3) can also share the profits from disclosing his or her rate of return information. .

The service platform 1 according to the present embodiment, which provides the web page 60 of the above-described characteristics, is a smart phone, tablet, laptop, or computer having an input means for inputting data and a processing means for processing the input data. It can be distributed in the form of a service application stored in a medium to be executed. The application may be provided by being stored in a downloadable medium in order to execute each function performed by the server 10 of the service platform 1 to be described in FIG. 2. In this case, the service application may be provided by constructing a web page 60 provided by the service platform 1 in a suitable layout supported by a mobile terminal such as a smartphone or a tablet. Hereinafter, each configuration and function of the service platform 1 or the server 10 for operating the service application will be described.

The input module 13 may receive information on the investment account of the evaluation target 3.

The input module 13 is the investment account information of the evaluation subject 3, and may receive information on the securities company used by the evaluation subject 3 and identification information for using the account inquiry service of the used securities company. The identification information may be HTS (Home Trading System) information of the securities company.

As an example, when an investor who used Kiwoom Securities requests evaluation, the subject of evaluation 3 may select “Kiwoom Securities” as the used securities company, and enter the ID and password of Kiwoom Securities for inquiries. Most brokerage firms provide a "for early rotation" service that cannot be used to buy or sell real stocks or to deposit/withdrawal services. Investors using HTS generally require three types of identification information: ID, password, and accredited certificate to log in. Or, you can use HTS with just an accredited certificate. On the other hand, in the case of using only the account inquiry service, account information can be viewed with only an ID and password without a public certificate.

The input module 13 according to the present embodiment may receive the HTS inquiry-only identification information without a request for an accredited certificate and receive the investment account information of the evaluation target 3. In more detail, the input module 13 may receive the identification information for exclusive use of inquiry from the evaluation subject 3 and may receive data of the investment account information from the securities company 5 selected by the evaluation subject 3.

In this specification, the investment account information refers to the account number of the person to be evaluated (3), deposits, real-time balance, account evaluation balance details (total), daily/monthly realized gains/losses, transaction details, return status by period, daily/monthly/yearly rate of return. It can include data on current status and monthly income status by stock item.

The rating module 15 may extract period-specific account return data from the investment account information of the evaluation target 3, receive index information of the stock market, and extract market return data for each period. The rating module 15 may calculate the performance of the account return for each period of the evaluation target 3 compared to the market return for each period as a performance indicator 673. The rating module 15 may calculate the stability index 675 in consideration of the volatility of the account return for each period from the investment account information of the evaluation target 3. The rating module 15 may calculate an evaluation index 65 representing a professionalism rating in consideration of the performance indicator 673 and the stability indicator 675.

The rating module 15 may calculate the evaluation index 65 of the evaluation target 3 by combining the performance index 674 and the stability index 675. In this embodiment, the performance indicator 674 compares the performance of the account return per period versus the market return per period, and uses the excess return over the market as a criterion for evaluation of the indicator. Note that, in the calculation of the performance indicator 674, the stock-related rate of return is not considered, and information of the period-specific rate of return is set as a variable.

Investments can be broadly classified into passive investments and active investments. Passive investing tracks market returns by investing in products such as ETFs that follow the index of the market. On the other hand, active investment is an investment method that is chosen when an individual stock is traded and an excess return relative to the market return is intended. Here, the current investment situation is a reality that only a few general investors exceed market returns with active investment. Most individual investors achieve performances that are less than the market rate of return and, in fact, it is more advantageous to make passive investments. However, since the volatility is so small and the expected rate of return is low, they directly buy and sell individual stocks.

In general, similar investment advisors' exaggerated returns and performance advertisements occur when individual stocks are so-called jackpots and achieve high returns over a short period of time. In this case, it is common practice to set a wider period of time, in fact, to hide the poor rate of return due to unreasonable trading in order to defeat the jackpot of soaring stocks. Therefore, in terms of a period of year, in fact, the loss account is less than the performance of the passive investment, or the investment performance is promoted as if it were a great investor by limiting only the period in which a specific active investment was successful. Accordingly, the rating module 15, as the performance index 673, compares the standard of performance with the passive investment following the market rate of return, and calculates as an index whether excess returns have occurred. According to the calculation of the performance indicator 673 according to the present embodiment, when the market index (for example, KOSPI) increases by 10% on a one-year basis, if the account return increases by 8%, even if the profit is made for one year. It can be evaluated as a poor performance indicator (673). On the other hand, if the market index (e.g., KOSPI) fell 10% on a yearly basis, if the account return fell only 5%, it would be evaluated as an excellent performance indicator (673) even if it caused losses for one year. I can.

As described above, the rate of return on the account compared to the rate of market return for each period is called the excess return. On the other hand, the account return based on the current investment rating is summed up of the return information on the holdings that have not been sold. On the other hand, the information on the rate of return when the trading ends and the profit or loss is realized is called the realized rate of return. The higher the realization rate of return of the evaluation target (3), the higher the compounding effect by holding the stock once purchased for a long time, it can be seen as having a trading characteristic of a “investor”. On the other hand, if the realized rate of return is low, it can be seen that it has the trading characteristics of a trader who frequently trades in response to a sharp fluctuation in stocks. In the case of trader's trading characteristics, it becomes extremely difficult for a general individual investor to trade according to the corresponding leading even if it conducts investment advisory. This is because, if the 3% and 5% beneficiary rights give a seller sign, it is common that the purchase and sale are not concluded depending on the condition of the price window. Therefore, as an expert suitable for advising general individual investors, it is desirable to give more weight to the “investor” characteristics than the “trader” characteristics in the performance index (673) of the evaluation target (3). This is because a general investor who received a seller's sign from a 3% to 5% beneficiary may lower the beneficiary right to 1% to 2% profit even if it is concluded, and the 0.25% transaction tax cannot be ignored. On the other hand, a general investor who received a seller's sign from a 20% to 30% beneficiary can actually realize a profit equivalent to 20% to 30%. For this reason, the performance indicator 673 may reflect the information of the realized return rate as a weight in the data of the excess return rate.

The rating module 15 sets the date of request for evaluation by inputting investment account information by the evaluation target 3 as the last date, and setting the date of calculation 1 year prior to the inversion, for a period of at least 1 year Can be set as the evaluation target period for calculating the evaluation index. Preferably, the rating module 15 according to the present embodiment may calculate the evaluation index 65 of the investor 3 with a period of at least 3 years or more as an evaluation target period in the case of an expert grade.

In this embodiment, the base date may be set at least one year before the evaluation target person 3. In another embodiment, the base date is set as the date when the subject of evaluation (3) first opened an account and started trading, and the entire investment period from the time the subject of evaluation (3) started investing in stock in the account to the present. I can.

In the service platform 1 according to the present embodiment, the date when the input module 13 receives the investment account information of the evaluation target 3 and requests the evaluation is fixed to the last day. Accordingly, the evaluation target (3) cannot select the period in which a random profit segment has occurred, and the account return rate for each period (monthly) during the evaluation target period by inverting at least 1 year, preferably 3 years or more from the last date in the system. Will be evaluated.

In this embodiment, when the evaluation index 65 is calculated as an expert grade in the rating module 15, the third party 4 can be recognized as an investor who has achieved a stable excess return compared to the market return for at least 3 years. .

Even if there is sufficient distortion in the monthly rate of return due to risky trading of soaring stocks (3), the rate of return according to the risk that the investor bears because the period subject to evaluation is at least in years. This can be sufficiently comprehensively reflected.

The rating module 15 sets the degree of the account return exceeding the market rate of return during the evaluation period set by the evaluation subject (3) as the base value of the performance index (673), and the evaluation subject's (3) investment amount Alternatively, the performance index 673 may be calculated by calculating the length of the evaluation target period or the realized return as a weight of the base value.

The rating module 15 sets an excess return rate exceeding the market rate of return as a base value of the performance indicator 673. No matter how high the other weighting factors are, investors must perform beyond the market rate of return, which is basically a passive investment, in order to have the competence of an expert from the perspective of a third party (4). Therefore, it is preferable that the base value, which is the basis of the performance indicator 673, is set as an average excess return according to the evaluation target period.

In addition to the base value, the weight variable of the performance indicator 673 calculated by the rating module 15 may be largely a realized rate of return, a size of an investment, and a length of an evaluation target period. It can be understood that the higher the realized return, the more the investor tends to be closer to the investor than to the trader, and the closer to the investor, the more appropriate it can be to advise on the investment of others. In addition, the larger the size of the investment, the more difficult the investor has to manage the investment. The larger the investment, the more difficult it is to secure sufficient stocks for a single stock. Therefore, large-sized stocks driven by intrinsic value should be traded or a portfolio of multiple stocks should be formed. Therefore, even with the same base value, investors with a large investment rating should be evaluated as having higher performance. In addition, even if the investor has the same base value, the longer the evaluation period, the higher the performance should be evaluated. Detailed variables and evaluation results of the performance indicator 673 can be viewed by the third party 4 through the analysis inquiry content 67.

The rating module 15 is a volatility factor for calculating the stability index 675, and may compare the performance of the return rate and the performance of the maximum loss in the account return rate data for each period of the evaluation target 3. The stability indicator 675 may represent how much an investor can afford a risk relative to a desired rate of return. As an example, when an investor who achieves a monthly average rate of return of 10% and the rate of return due to the maximum loss in a specific month is minus 40%, the volatility of the rate of return is highly evaluated and the stability index 675 may be calculated to be low. In the investor's evaluation, even if the investor performs with a high rate of return, an investor who invests with a high risk of minus 30 to 40% may be considered unsuitable for obtaining investment advice from the standpoint of a third party (4). Volatility can be largely taken into account of the volatility of the rate of return based on the monthly rate of return, the volatility of the realized profit or loss and the maximum loss that have been completed. The risk index of the evaluation target (3) can be calculated by comprehensively taking into account the volatility of the return on the holdings and the volatility of the realization gain or loss purchased. The volatility of the profit rate of holding stocks, the volatility of realized gains/losses and risk indexes purchased and sold can be viewed by a third party (4) through the analysis inquiry content (67).

In deriving the evaluation index 65 as in the above-described embodiment, the rating module 15 considers the performance index 673 and the stability index 675 largely. In the performance index 673 and the stability index 675, detailed calculation variables are disclosed through the analysis and inquiry content 67. Due to the detailed evaluation information calculated by the rating module 15, the third party (4) can select an expert with a higher performance indicator (673) than the stability indicator (675) when expecting high risk and high returns due to a small investment. have. On the other hand, a third party (4) with a high investment may select an expert with a higher stability index (675) than the performance index (673). In the end, as the objective investor's performance evaluation and detailed items are disclosed, the third party (4) will be able to select an investment advisor that is appropriate for him/her.

The database 17 may store investment account information of the evaluation target 3 used to calculate the performance indicator 673 and the stability indicator 675. In this embodiment, the database 17 stores not only the index calculated by the rating module 15 but also the investment account information of the evaluation target 3 before the calculation. As the investment account information of the evaluation target 3 stored in the database 17, it may be a stock that has been traded, a year/month yield, and a monthly/daily realized profit or loss.

Among the data stored in the database 17, the investment account information provided by the HTS of the evaluation target 3, which is not an index calculated by the rating module 15, is a separate inquiry (677) in the analysis inquiry content 67. ) Can be provided. This is for the third party (4) who has doubts about the calculation or calculation of the index, and to disclose the HTS rate of return of the evaluation target (3) to the third party (4) as it is.

The web page building module 19 includes the evaluation index 65 calculated in the rating module 15 together with the identification information 63 of the evaluation subject 3, and the third party 4 is the evaluation subject 3 The identification information 63 and the evaluation index 65 can be disclosed so that they can be viewed.

When the evaluation index exceeds a predetermined threshold value, the web page building module 19 may classify it as an expert grade and assign a dedicated web page 679 to the evaluation target 3 of the expert grade.

The web page construction module 19 may disclose the identification information 63 of the evaluation target 3, the evaluation index 65, and the evaluation grade 61 in the form of a web page 60. The web page building module 19 may provide detailed analysis and inquiry content 67 related to the evaluation of the evaluation target 3 in the web page 60. The web page building module 19 receives a fee from the third party 4 and gives the third party 4 the authority to view the investment account information in the database 17, and evaluates some of the fees to be searched. It can be paid to the boss (3). Refer to FIG. 2 for analysis search content 67 that can be provided by the web page 60.

Referring to FIG. 2, an example of an analysis inquiry content 67 provided by the web page building module 19 and a dedicated web page 679 that is given to an evaluation target 3 of an expert grade can be seen.

The analysis inquiry content 67 is a'detailed inquiry' service that presents evaluation items showing the performance index 673, stability index 675, and analyzed investment propensity as a calculation variable that was the basis for the calculation of the evaluation index 65. Can provide.

The analysis inquiry content 67 can provide a'account inquiry' service that provides year/month yield information and monthly/daily realized profit/loss information of the evaluation target 3 for which the calculation process of the rating module 15 has not been performed. have.

The analysis inquiry content 67 may provide a dedicated web page 679 service for managing a customer who requests an investment advisory by selecting an evaluation target 3 as an expert.

Although the present invention has been described in detail through exemplary embodiments above, those of ordinary skill in the art to which the present invention pertains will understand that various modifications can be made to the above-described embodiments without departing from the scope of the present invention. will be. Therefore, the scope of the present invention is limited to the described embodiments and should not be determined, and should be determined by all changes or modifications derived from the claims and the concept of equality as well as the claims to be described later.

1: Investor's rate of return evaluation and professional rating disclosure service platform
10: Server 3: Subject of evaluation
4: third party 5: financial institution
13: input module 15: rating module
17: database 19: web page building module
60: Web Page 61: Rating
63: identification information 65: evaluation index
67: Analysis Lookup 671: Assessment Information Diagram
673: Performance indicator 675: Stability indicator
677: Lookup yield information 679: Dedicated web page

Claims (7)

In a service platform that discloses the rate of return and expertise of investors who engage in stock investment advisory,
An input module for receiving investment account information of an evaluation target;
By extracting period-by-period account return data from the investment account information of the subject of evaluation, receiving stock market index information, extracting period-by-period market return data, and calculating the performance of the period-by-period account return of the subject to be evaluated as a performance indicator, A rating determination module for calculating a stability index in consideration of the volatility of an account return per period from the investment account information of the evaluation target person, and calculating an evaluation index representing a professionalism grade in consideration of the performance index and the stability index; And
And a web page construction module that publishes the evaluation index calculated in the rating module with the identification information of the evaluation subject so that a third party can view the evaluation subject's identification information and the evaluation index. Service platform.
The method of claim 1,
The rating module,
The evaluation target for calculating the evaluation index for a period of at least one year or more by setting the date of the evaluation request by the evaluation target person inputting the investment account information as the last date, and setting the date of calculation one year before the inversion. Service platform, characterized in that the period.
The method of claim 1,
The rating module,
The degree to which the rate of return on the account during the period of the evaluation subject set by the evaluation subject exceeds the market rate of return is set as the base value of the performance index
And calculating the performance index by calculating the size of the investment fund of the evaluation subject or the length of the evaluation period as a weight of the base value.
The method of claim 1,
The rating module,
As a volatility factor for calculating the stability index, a service platform for comparing the performance of the return rate and the performance of the maximum loss in the account return rate data for each period of the evaluation target person.
The method of claim 1,
Further comprising a database for storing investment account information of the evaluation target person used for calculating the performance index and the stability index,
The web page building module,
A service platform, characterized in that, by receiving a fee from the third party, granting the authority to view investment account information in the database to the third party, and paying a portion of the fee to the evaluation ledger to be inquired.
The method of claim 1,
The web page building module,
When the evaluation index exceeds a predetermined threshold, the evaluation index is classified as an expert grade, and a dedicated web page is provided to the evaluation target person of the expert grade.
In a smartphone, tablet, notebook, or computer having an input means for inputting data and a processing means for processing the input data,
The function of receiving the investment account information of the evaluation target by the server of the service platform;
The server of the service platform extracts period-by-period account return data from the investment account information of the subject of evaluation, receives stock market index information, and extracts period-by-period market return data to determine the performance of the period-to-period account return of the subject to be evaluated compared to the period-by-period market return. A function of calculating a performance index, calculating a stability index by considering the volatility of an account return for each period from the investment account information of the subject of evaluation, and calculating an evaluation index representing a level of expertise in consideration of the performance index and the stability index; And
Stored in the medium in order to execute a function of publicizing the evaluation index calculated by the server of the service platform with the identification information of the evaluation subject, so that a third party can view the identification information of the evaluation subject and the evaluation index. Service application.

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