JP2015095118A - Reserve fund management device, reserve fund management method and reserve fund management system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reserve fund so as to reach a ratio whose targets are plural financial products.SOLUTION: A reserve fund management device 1 comprises: a reserve fund management part 21 for managing reserve fund which is reserved to plural financial products periodically in association with the plural financial products; a reserve ratio management part 22 for managing a target value of the ratio of the respective reserve funds to the plural financial products in association with the plural financial products; and a reserve processing part 23 for performing reserve processing by reserve fund. The reserve processing part 23 changes an amount of reserve fund so as to reduce difference between a ratio of balance of the reserve fund and the target value, about the financial product in which the relation between the ratio of balance of the reserve fund and the target value satisfies a predetermined condition, for reserve processing.

Description

  The present invention relates to a reserve amount management apparatus, a reserve amount management method, and a reserve amount management system.

  Conventionally, a method of reducing the average purchase cost by performing a fixed amount purchase for a predetermined financial product every month has been performed (for example, see Patent Document 1).

JP 2010-55186 A

  By the way, in general, the magnitude of risk and return on investment depends on the ratio of financial instruments held. If the ratio of the financial instruments held is poor, the portfolio will have a small return despite high risks. When performing asset management, it is desirable not to exceed risk that is allowed in advance. Therefore, it is not preferable that the ratio of financial products held greatly deviates from the assumed ratio.

  However, if a purchase is made for multiple financial products using the conventional method, the number of purchases will change as the asset price of multiple financial products increases or decreases. There is a problem in that the ratio of financial products deviates from a preset ratio.

  Accordingly, the present invention has been made in view of these points, and provides a reserve amount management device, a reserve amount management method, and a reserve amount management system that can accumulate a plurality of financial products so as to approach a target ratio. The purpose is to do.

  The funded amount management apparatus according to the first aspect of the present invention includes a funded amount management unit that manages a funded amount that is periodically accumulated for a plurality of financial products in association with the plurality of financial products, and the plurality of financial products. A reserve ratio management unit that manages a target value of the ratio of the reserve amount of each product in association with the plurality of financial products; and a reserve processing unit that executes a reserve process with the reserve amount, the reserve processing unit Among the plurality of financial products, for a financial product whose relationship between the ratio of the balance of the reserve amount and the target value satisfies a predetermined condition, the difference between the ratio of the balance of the reserve amount and the target value is reduced. If necessary, the reserve amount is changed and the reserve process is executed.

  By doing in this way, the reserve amount management device increases the reserve amount to be periodically accumulated or the balance of the reserve amount for the financial product whose relationship between the ratio of the balance of the reserve amount and the target value satisfies a predetermined condition. The ratio of the balance of each financial product can be brought close to the target value by reducing the reserve amount for the financial product whose ratio is equal to or higher than the target value. Therefore, the accumulated money amount management apparatus can accumulate so as to approach the target ratio of a plurality of financial products.

In addition, the funding processing unit executes the funding process by increasing the funding amount for the financial product in which the ratio of the balance of the funding amount is smaller than the target value among the plurality of financial products, For the financial products in which the balance ratio of the reserve amount is larger than the target value, the reserve process may be executed with the reserve amount lowered.
By doing in this way, the reserve amount management device increases the reserve amount for, for example, a financial product for which the ratio of the balance of the reserve amount is smaller than the target value among the plurality of financial products, and the ratio of the balance of the reserve amount is By not performing accumulation processing for financial products that are larger than the target value, it is possible to further reduce the difference between the balance ratio of each financial product and the target value.

Further, the reserve processing unit changes the reserve amount for the financial product in which a difference between a balance ratio of the reserve amount and the target value is larger than a predetermined value among the plurality of financial products, and the reserve process May be executed.
By doing in this way, when the difference between the ratio of the balance of the accumulated amount and the target value is small, the accumulated amount management apparatus accumulates with a predetermined accumulated amount and sets a target ratio for a plurality of financial products. It can be piled up to approach.

Further, the reserve processing unit may calculate the reserve amount of each financial product based on the market information along with the relationship between the balance ratio and the target value, and execute the reserve process.
In this way, the reserve amount management device can calculate the reserve amount based on the market information, so for example, when the price of the financial product is declining, the reserve amount is reduced or is increasing If this is the case, increasing the reserve amount can reduce the risk and increase the expected return.

In addition, the funding processing unit purchases a balance fund composed of the plurality of financial products as the funding process, the balance ratio is smaller than the target value, and the target value and the balance ratio When there is a financial product whose difference is larger than a predetermined value, among the plurality of balance funds, a balance fund having a large proportion of the financial product may be purchased.
In this way, by purchasing a balance fund in which the proportion of financial products smaller than the target value is large, the balance ratio of the financial products can be brought close to the target value.

The funded amount management device may further include a pre-funding confirmation unit that calculates each expected return and risk of the plurality of financial products and displays a relationship between the calculated expected return and risk.
By doing in this way, a user can be grasped about an expected return and a risk, and a user can be judged whether a reserve amount is appropriate.

  A funded amount management method according to a second aspect of the present invention includes a procedure for storing a funded amount that is periodically accumulated for a plurality of financial products in association with the plurality of financial products, and each of the plurality of financial products. A procedure for storing the target value of the ratio of the reserve amount in association with the plurality of financial products, and a procedure for executing a reserve process with the reserve amount, and in the procedure for executing the reserve process, Among the financial products, the financial product satisfying a predetermined relationship between the ratio of the balance of the funded amount and the target value, so that the difference between the ratio of the balance of the funded amount and the target value is reduced. The reserve processing is executed by changing the amount.

  A funded amount management system according to a third aspect of the present invention is a funded amount management system comprising a terminal and a management device communicable with the terminal, wherein the terminal is periodically connected to a plurality of financial products. A receiving unit that receives an input of an accumulated amount to be accumulated and a transmission unit that transmits the accumulated amount to the plurality of financial products in association with the plurality of financial products, and the management device receives the received from the terminal A reserve amount management unit that manages a reserve amount in association with the plurality of financial products, and a reserve ratio that manages a target value of a ratio of the reserve amount of each of the plurality of financial products in association with the plurality of financial products A management unit; and a funding processing unit that executes a funding process with the funding amount, wherein the funding processing unit has a relationship between a ratio of a balance of the funding amount and the target value among the plurality of financial products. The constant conditions are satisfied instruments, and changing the reserve fund in order to reduce the difference between the ratio and the target value of the balance of the reserve fund executes the accumulation process.

  According to the reserve amount management method according to the second aspect and the reserve amount management system according to the third aspect, it is possible to achieve the same effect as the reserve amount management apparatus according to the first aspect.

  According to the present invention, there is an effect that a plurality of financial products can be accumulated so as to approach a target ratio.

It is a figure which shows the structure of the reserve money amount management system which concerns on 1st Embodiment. It is a figure which shows the structure of the reserve money amount management apparatus which concerns on 1st Embodiment. It is an example of the information memorized by the reserve amount information storage part concerning a 1st embodiment. It is an example of the information memorize | stored in the holding amount information storage part which concerns on 1st Embodiment. It is a figure which shows the relationship between the ratio of the balance of a reserve amount, and a target value. It is a flowchart which shows the flow of a process of the accumulation process part which concerns on 1st Embodiment. It is a flowchart which shows the flow of a process of the accumulation process part which concerns on 2nd Embodiment. It is an example of the information memorize | stored in the holding amount information storage part which concerns on 2nd Embodiment. It is a figure which shows the structure of the reserve money amount management apparatus which concerns on 3rd Embodiment. It is a flowchart which shows the flow of a process of the accumulation process part which concerns on 3rd Embodiment, and the confirmation part before accumulation process. It is an example of a display of an expected return and a risk concerning a 3rd embodiment. It is a flowchart which shows the flow of a process of the accumulation process part which concerns on 4th Embodiment.

<First Embodiment>
[Configuration of the reserve amount management system S]
FIG. 1 is a diagram illustrating a configuration of a reserve amount management system S according to the first embodiment. The reserve amount management system S includes a reserve amount management device 1, a client terminal 2, and a billing system 3.

  The reserve amount management apparatus 1 is connected to a plurality of client terminals 2 via a first network N1 such as the Internet, and is connected to a billing system 3 via a second network N2 such as a bank dedicated line. Yes.

  The reserve amount management device 1 manages the reserve amount that each of the users of the plurality of client terminals 2 accumulates for the plurality of financial products, and the target value of the ratio of the respective reserve amounts of the plurality of financial products for each user (Hereinafter referred to as the funded ratio target value). And the reserve amount management apparatus 1 changes the reserve amount of a financial product, and performs a reserve process based on the ratio of each balance of several financial products, and the target value of a reserve ratio.

  The account system 3 is a system that manages customer information and account information of the user of the client terminal 2. The reserve amount management apparatus 1 can acquire customer information from the account system 3 or perform a process of withdrawing the reserve amount from an account via the second network N2.

[Configuration of the reserve amount management device 1]
FIG. 2 is a diagram illustrating a configuration of the reserve amount management apparatus 1 according to the first embodiment. The reserve amount management apparatus 1 includes a storage unit 10 and a control unit 20.
The storage unit 10 is a storage medium that stores various types of information, and includes, for example, a memory or a hard disk. The storage unit 10 includes a reserve amount information storage unit 11 and a retained amount information storage unit 12.

  FIG. 3 is an example of information stored in the reserve amount information storage unit 11 according to the first embodiment. The funded amount information storage unit 11 stores, for each user ID for identifying the user of the client terminal 2, the type of financial product, the target value of the funded ratio, and the funded amount serving as a reference when accumulating. Here, the reserve ratio is the ratio of the reserve amount of each financial product to the total amount of reserve amount for each user ID. The reserve amount that becomes a reference for accumulation is an amount preset by the user.

  FIG. 4 is an example of information stored in the held money amount information storage unit 12 according to the first embodiment. For each user ID that identifies the user of the client terminal 2, the holding amount information storage unit 12 stores the type of financial product, the target value of the accumulation ratio, the current balance of the financial product, the ratio of the balance, and the balance The difference between the ratio and the target value of the reserve ratio is stored in association with the reserve amount. Here, the balance ratio is the ratio of the balance of each financial product to the balance of all financial products. Further, the reserve amount is an amount calculated by the control unit 20 based on the balance, the ratio of the balance, and the difference.

  The control part 20 is comprised by arithmetic processing devices, such as CPU, for example. The control unit 20 comprehensively controls the functions of the reserve amount management apparatus 1 by executing a program stored in the storage unit 10 or a storage medium such as an external memory or a hard disk. The control unit 20 includes a reserve amount management unit 21, a reserve ratio management unit 22, and a reserve processing unit 23.

  The accumulated amount management unit 21 manages the accumulated amount that is periodically accumulated for a plurality of financial products in association with the plurality of financial products. Specifically, the reserve amount management unit 21 receives from the client terminal 2 the user ID, the type of financial product, and the amount information indicating the reserve amount of the financial product, and the user ID and the financial product The type and the amount information indicating the accumulated amount are associated with each other and stored in the accumulated amount information storage unit 11.

  The funded ratio management unit 22 manages the target value of the funded ratio of each of the plurality of financial products in association with the plurality of financial products. Specifically, the funded ratio management unit 22 refers to the funded amount information storage unit 11 according to the fact that the funded amount management unit 21 stores the amount information and the like in the funded amount information storage unit 11, and stores each amount of user ID. Calculate the total amount of the reserve amount. And the reserve ratio management part 22 calculates the ratio of the reserve amount with respect to the said total amount for every kind of financial product, and makes the calculated ratio the target value of a reserve ratio. Then, the funded ratio management unit 22 stores the target value of the funded ratio in the funded amount information storage unit 11 in association with the user ID and the type of financial product. Further, the funding ratio management unit 22 stores the user ID, the type of financial product, and the target value of the funding ratio in the holding amount information storage unit 12 in association with each other. The funding ratio management unit 22 may store the funding ratio target value set by the user in the funding amount information storage unit 11 in association with a plurality of financial products.

  The accumulation processing unit 23 acquires the accumulation amount from the accumulation amount management unit 21 on a predetermined day (for example, the day before the accumulation day of each month). And the accumulation process part 23 performs the accumulation process which reserves each financial instrument with the acquired money amount on the accumulation day. Here, the funding processing unit 23, for a plurality of financial products, for a financial product in which the relationship between the ratio of the funded amount balance and the target value of the funded ratio satisfies a predetermined condition, the funded amount balance ratio and the funded ratio In order to reduce the difference from the target value, the reserve amount is changed and the reserve process is executed.

  FIG. 5 is a diagram showing the relationship between the ratio of the balance of the reserve amount and the target value of the reserve ratio. The reserve processing unit 23 according to the present embodiment changes the reserve amount for a financial product in which a value obtained by subtracting the ratio of the balance of the reserve amount from the target value of the reserve ratio is greater than a predetermined value among the plurality of financial products. Execute accumulation processing. For example, the funding processing unit 23 has a financial product in which the ratio of the balance of the funded amount is smaller than the target value of the funded ratio among the plurality of financial products (for example, the financial product having the relationship shown in (1) of FIG. 5). The reserve process is executed with a higher reserve amount. Specifically, the reserve processing unit 23 sets the reserve amount so that the ratio of the balance of the reserve amount approaches the target value of the reserve ratio for the financial product whose balance of the reserve amount is smaller than the target value of the reserve ratio. The reserve process is executed with a reserve amount larger than the reserve amount managed by the management unit 21.

  In addition, the funding processing unit 23 lowers the funding amount and performs funding processing for a financial product in which a value obtained by subtracting the ratio of the balance of the funded amount from the target value of the funded ratio among the plurality of financial products is smaller than a predetermined value. Run. For example, the reserve processing unit 23 executes a reserve process with a reserve amount smaller than the reserve amount managed by the reserve amount management unit 21 for a financial product whose balance of the reserve amount is equal to or more than the target value of the reserve ratio. . The reserve processing unit 23 may set the reserve amount to ¥ 0 for financial products in which the ratio of the balance of the reserve amount is equal to or greater than the target value of the reserve ratio. That is, the accumulation processing unit 23 may not execute the accumulation process.

[flowchart]
Hereinafter, specific processing of the accumulation processing unit 23 will be described with reference to flowcharts. FIG. 6 is a flowchart illustrating a processing flow of the accumulation processing unit 23 according to the first embodiment.

  First, the accumulation processing unit 23 acquires a balance for each type of financial product from the held amount information storage unit 12 (S1). Subsequently, the accumulation processing unit 23 calculates a balance ratio (S2). Specifically, the accumulation processing unit 23 calculates the total amount of the balance of all financial products for each user ID, and calculates the ratio of the balance of each financial product to the total amount. Then, the reserve processing unit 23 updates the information indicating the balance ratio stored in the held amount information storage unit 12. For example, in the example illustrated in FIG. 4, the total amount of balances of all financial products held by the user with the user ID “0001” is ¥ 26,000. For example, since the balance of the advanced country stock cluster is ¥ 4,000, the accumulation processing unit 23 calculates the ratio of the balance of the advanced country stock cluster as about 15%.

  Subsequently, the accumulation processing unit 23 identifies the type of financial product in which the ratio of the balance of the accumulated amount is smaller than the target value of the accumulation ratio among the plurality of types of financial products (S3). For example, in the example shown in FIG. 4, the financial product in which the difference shows a positive value is a financial product in which the ratio of the balance of the reserve amount is smaller than the target value of the reserve ratio. A developed country stock cluster, a Japanese government bond cluster, a developed country government bond cluster, and an emerging country government bond cluster are specified as the types of financial products in which the ratio of the balance of the reserve amount is smaller than the target value of the reserve ratio.

  Subsequently, the reserve processing unit 23 sets a reserve amount of the specified type of financial product based on the ratio of the balance (S4). Specifically, the accumulation processing unit 23 refers to the accumulation amount stored in the accumulation amount information storage unit 11 and calculates the total amount of the accumulation amount once for each user. In the example illustrated in FIG. 3, the total amount of accumulated funds for the user with the user ID “0001” at one time is ¥ 10,000.

  Then, the accumulation processing unit 23 calculates the difference between the balance ratio and the target value of the accumulation ratio for each financial product type, and calculates the ratio of each difference to the total difference of the specified types of financial products. To do. In the example shown in FIG. 4, the difference between the types of the specified financial products is approximately 15%, approximately 15%, approximately 2%, and approximately 2%, respectively. Therefore, the total value of these differences is approximately 34%. It is. The ratio of each difference to the total value is about 43%, about 43%, about 7%, and about 7%, respectively. The accumulation processing unit 23 calculates the accumulation amount by multiplying the total amount of the accumulation amount once by the ratio of each difference. In the example shown in FIG. 4, the reserve amount of the advanced country stock cluster and the Japanese government bond cluster is ¥ 4,318, and the reserve amount of the advanced country government bond cluster and the emerging government bond cluster is ¥ 682. The accumulation processing unit 23 updates the accumulated amount in the retained amount information storage unit 12 to the calculated accumulated amount.

  Further, the reserve processing unit 23 sets the reserve amount to ¥ 0 for the Japanese stock cluster and the emerging country stock cluster in which the ratio of the balance of the reserve amount is equal to or more than the target value of the reserve ratio. That is, the accumulation processing unit 23 does not execute the accumulation process for the Japanese stock cluster and the emerging country stock cluster.

  Here, the reserve processing unit 23 calculates the reserve amount of each financial product based on the market information indicating the trading status of each financial product in the market together with the difference between the balance ratio and the target value of the reserved ratio. The accumulation process may be executed. For example, the reserve processing unit 23 decreases the reserve amount when the price of the financial product tends to decrease, or increases the reserve amount when the price tends to increase. Specifically, when the stock is in a downward trend, the reserve processing unit 23 may lower the reserve amount of the stock cluster and increase the reserve amount of the government bond cluster. Further, the reserve processing unit 23 may increase the reserve amount when the price of the financial product has bottomed out, and reduce the reserve amount when the price has fully increased. By doing in this way, the reserve amount management apparatus 1 can reduce the risk and increase the expected return while bringing the ratio of the balance of the financial products close to the target value of the reserve ratio.

  Further, the accumulation processing unit 23 may notify the user of the client terminal 2 of a warning message when performing an extreme accumulation as a result of the financial product falling or rising. For example, the accumulation processing unit 23 may determine that the accumulated accumulation amount is an excessive accumulation when the calculated accumulation amount is equal to or greater than a predetermined amount, and notify the user of the client terminal 2 of a warning message. Further, in the case of performing extreme accumulation, the accumulation processing unit 23 receives a selection from the user of the client terminal 2 as to whether or not to perform accumulation with the calculated accumulation amount, and is selected to perform accumulation The reserve process may be performed with the calculated reserve amount.

  Subsequently, the reserve processing unit 23 executes a reserve process based on the reserve amount set in S4 (S5). Specifically, the reserve processing unit 23 purchases each financial product corresponding to the set reserve amount. The accumulation processing unit 23 may purchase each financial product by transmitting purchase information indicating the financial product to be purchased and the purchase amount to another system.

  When the accumulation processing unit 23 executes the accumulation process as described above, the balances after accumulation of the respective financial products shown in FIG. 4 are ¥ 10,000, ¥ 8,318, ¥ 4,000, ¥ 8,318. , ¥ 2,682, ¥ 2,682. As a result, the ratio of the balance after funding is about 28%, about 23%, about 11%, about 23%, about 7%, and about 7%, which is close to the target value of the funding ratio of each financial product.

  In the above description, the reserve processing unit 23 executes the reserve process by changing the reserve amount for a financial product in which the ratio of the balance of the reserve amount is smaller than the target value of the reserve ratio among a plurality of financial products. However, the present invention is not limited to this. Even if the funding ratio of the funded amount is a financial product that is equal to or greater than the target value of the funded ratio, the funding processing unit 23 can determine that the difference between the funded rate balance ratio and the funded ratio target value is within a predetermined range. The reserve amount may be changed and the reserve process may be executed. For example, if there is a financial product with an extremely high balance ratio, the funding processing unit 23 may determine whether the funded amount management unit 21 has a balance ratio that matches the target value of the funding ratio. By executing a reserve process with an amount larger than the managed reserve amount, it is possible to reduce the average value of the differences between the balance ratios of a plurality of financial products and the target value of the reserve ratio.

[Effect in the first embodiment]
As described above, the funded amount management apparatus 1 according to the first embodiment uses the funding processing unit 23 to determine whether the relationship between the ratio of the balance of the funded amount and the target value of the funded ratio among the plurality of financial products is a predetermined condition. For financial products satisfying the requirements, the reserve amount is changed to reduce the difference between the balance ratio of the reserve amount and the target value of the reserve ratio, and the reserve process is executed. By doing in this way, the reserve amount management device 1 increases the reserve amount for a financial product in which the ratio of the balance of the reserve amount is smaller than the target value of the reserve ratio among a plurality of financial products, or the balance of the reserve amount As a result, it is possible to reduce the amount of funding for financial products that exceed the funding ratio target value, so that the total amount of funding once set by the user is maintained and the ratio of the balance of multiple financial products is targeted. It can be accumulated to approach the ratio.

<Second Embodiment>
Next, a second embodiment will be described. In the second embodiment, the reserve processing unit 23 reduces the difference for a financial product in which the difference between the ratio of the balance of the reserve amount and the target value of the reserve ratio is larger than a predetermined value among the plurality of financial products. It is different from the first embodiment in that the reserve amount is changed and the reserve process is executed, and the reserve process is executed with the reserve amount managed by the reserve amount management unit 21 for the financial product whose difference is within a predetermined range. .

  Hereinafter, specific processing of the accumulation processing unit 23 according to the second embodiment will be described with reference to flowcharts. FIG. 7 is a flowchart showing a process flow of the accumulation processing unit 23 according to the second embodiment.

  The accumulation processing unit 23 acquires a balance for each type of financial product (S11), and calculates a balance ratio (S12). The accumulation processing unit 23 specifies financial products whose balance ratio is smaller than the target value of the accumulation ratio (S13). Subsequently, the reserve processing unit 23 calculates a difference between the balance ratio of the reserve amount and the target value of the reserve ratio (S14).

  Subsequently, the reserve processing unit 23 calculates the reserve amount of the type of financial product (for example, the financial product of the relationship shown in (2) of FIG. 5) whose difference calculated in S14 is a predetermined value (for example, 5%) or less. Then, a predetermined amount stored in the reserve amount information storage unit 11 is set (S15). FIG. 8 is an example of information stored in the retained amount information storage unit 12 according to the second embodiment. In the example shown in FIG. 8, the advanced government bond cluster and the emerging country government bond cluster correspond to the types of financial products whose difference is a predetermined value (5%) or less. The reserve processing unit 23 sets the reserve amount of the advanced government bond cluster and the emerging country government bond cluster to ¥ 1,000, which is a predetermined amount in the reserve amount information storage unit 11.

  The reserve processing unit 23 stores the financial product whose absolute value of the difference is a predetermined value or less in the reserve amount information storage unit 11 even when the balance ratio is larger than the target value of the reserve ratio. A predetermined amount may be set. For example, since the difference in the emerging country stock cluster shown in FIG. 8 is −5%, the reserve amount of the cluster is set to ¥ 1,000 which is a predetermined amount in the reserve amount information storage unit 11. May be.

Subsequently, the funding processing unit 23 selects a financial product (for example, (of FIG. 5) shown in FIG. 5) among the financial products whose balance ratio is smaller than the target value of the funding ratio, The reserve amount of the related financial product shown in 3) is set higher than a predetermined amount (S16). In addition, the reserve processing unit 23 has a financial product for which no reserve amount is set in S15 and S16, that is, the ratio of the balance is equal to or greater than the target value of the reserve ratio, and the difference between the balance ratio and the target value is a predetermined value ( For example, for a financial product larger than 5% (for example, the financial product of the relationship shown in (4) of FIG. 5), the reserve amount is set lower than a predetermined amount. For example, the accumulation processing unit 23 does not execute the accumulation process for a financial product in which the balance ratio is equal to or greater than the target value of the accumulation ratio and the difference between the balance ratio and the target value is larger than a predetermined value.
Subsequently, the accumulation processing unit 23 executes accumulation processing based on the accumulation amount set in S15 and S16 (S17).

  For example, in the example shown in FIG. 8, since the Japanese stock cluster has a balance ratio equal to or greater than the target value of the reserve ratio, and the difference is a type of financial product that is larger than a predetermined value, The amount is set to ¥ 0, that is, no accumulation is performed. In the example shown in FIG. 8, the advanced country stock cluster and the Japanese government bond cluster correspond to the types of financial products whose balance ratio is smaller than the target value of the funded ratio and whose difference is larger than 5%. The reserve processing unit 23 sets the reserve amount of the Japanese stock cluster to ¥ 0, and the amount of ¥ 1,000, which was planned to be saved for the Japan stock cluster, is calculated based on the ratio of each difference. Allocate to stock cluster and JGB cluster. Here, since the ratios of the advanced country stock cluster and the Japanese government bond cluster are the same, the reserve amount of these clusters increases by ¥ 500 to ¥ 3,500.

  When the accumulation processing unit 23 executes the accumulation process as described above, the balances after accumulation of the respective financial products shown in FIG. 8 are ¥ 10,000, ¥ 7,250, ¥ 5,000, ¥ 7,250. , ¥ 3,250, ¥ 3,250. As a result, the ratio of the balance after funding is about 28%, about 20%, about 14%, about 20%, about 9%, and about 9%, which approaches the target value of the funding ratio of each financial product.

[Effects of Second Embodiment]
As described above, in the reserve amount management apparatus 1 according to the second embodiment, the reserve processing unit 23 causes the difference between the balance ratio of the reserve amount and the target value of the reserve ratio among a plurality of financial products to be greater than a predetermined value. The reserve amount is managed by the reserve amount management unit 21 for a financial product in which the difference between the balance ratio and the target value of the reserve ratio is within a predetermined range. Execute the reserve process with the amount.

  By doing in this way, the reserve amount management apparatus 1 changes the reserve amount only to the financial products in which the ratio of the balance of the reserve amount is deviated from the target value of the reserve ratio. The balance ratio of the product can be brought close to the target value of the reserve ratio, and a financial product whose difference between the balance ratio and the target value of the reserve ratio is close to the target value is purchased for the reserve amount set in advance by the user. Thus, the balance can be maintained in a state close to the amount assumed by the user.

<Third Embodiment>
Next, a third embodiment will be described. The third embodiment is different from the second embodiment in that the reserve amount management device 1 displays the relationship between the expected return and risk of a plurality of financial products.
FIG. 9 is a functional configuration diagram of the reserve amount management apparatus 1 according to the third embodiment.
In the third embodiment, the control unit 20 of the reserve amount management apparatus 1 further includes a pre-funding process confirmation unit 24. The pre-funding confirmation unit 24 calculates the expected return and risk of each of the plurality of financial products, and displays the relationship between the calculated expected return and risk.

  Hereinafter, specific processing of the accumulation processing unit 23 and the pre-accumulation processing confirmation unit 24 according to the third embodiment will be described with reference to flowcharts. FIG. 10 is a flowchart showing a processing flow of the accumulation processing unit 23 and the pre-accumulation processing confirmation unit 24 according to the third embodiment.

Since the process flow from S21 to S26 is the same as the process flow from S11 to S16 of the second embodiment, a description thereof will be omitted.
In S27, the pre-funding confirmation unit 24 calculates the actual expected return and risk based on the ratio of the balance of the plurality of financial products currently held by the user, and sets the target value of the funding ratio of the plurality of financial products. Calculate the ideal expected return and risk based on Further, the pre-funding confirmation unit 24 calculates the expected return and risk of each of the other combinations of the plurality of financial products. Here, the pre-funding processing confirmation unit 24 may acquire the expected return and risk of each combination of financial products from another system.

  Subsequently, the pre-funding confirmation unit 24 transmits a graph indicating the expected return and risk calculated in S27 to the client terminal 2 for display (S28), and selects whether or not to fund with the changed funding amount. Is accepted (S29).

  FIG. 11 is a display example of a graph showing the expected return and risk according to the third embodiment. In the graph shown in FIG. 11, the horizontal axis indicates the risk, and the vertical axis indicates the expected return. Further, a symbol SB1 shown in FIG. 11 indicates an ideal expected return and risk, and a symbol SB2 indicates an actual expected return and risk. In addition, symbols indicated by black circles in FIG. 11 indicate expected returns and risks of other combinations of a plurality of financial products.

  The user of the client terminal 2 may confirm that the ratio of the plurality of financial products currently held is deviating from the target value of the funded ratio by checking the graph shown in FIG. it can. In addition, the user can confirm that the risk is reduced by setting the reserve amount so as to approach the target value of the reserve ratio, and by making a reserve with a predetermined reserve amount It can be confirmed that the state in which the ratio of the financial products held deviates from the target value of the funded ratio continues and the risk is not reduced. In addition, even if the user of the client terminal 2 deviates from the target value of the reserve ratio when the ratio of the plurality of financial products currently held is deviated from the target value of the reserve ratio, It can be confirmed that the state of deviation from the target value continues and the risk is increasing.

  When it is selected that funding is performed with the funded amount after the change (when the determination in S29 is Yes), the funding processing unit 23 executes the funding process with the funded amount after the change (S30). In addition, when it is not selected to reserve with the changed reserve amount (when the determination in S29 is No), the reserve process is executed with the reserve amount determined in advance in the reserve amount information storage unit 11 (S31).

  Note that the accumulation processing unit 23 may execute the accumulation process after changing the accumulation amount based on the expected return and the risk without receiving selection by the user. For example, the accumulation processing unit 23 determines that the expected return calculated by the pre-funding confirmation unit 24 is larger than the expected return preset by the user and the risk calculated by the pre-funding confirmation unit 24 is determined by the user. When there is a combination of a plurality of financial products that is smaller than a preset risk, the reserve amount may be changed based on an ideal expected return and a combination close to the risk among such combinations.

[Effect in the third embodiment]
As described above, the reserve amount management apparatus 1 according to the third embodiment calculates the expected return and risk of each of the plurality of financial products by the pre-funding confirmation unit 24, and shows the relationship between the calculated expected return and risk. indicate. By doing in this way, the user of the client terminal 2 can grasp | ascertain about an expected return and a risk, and can make a user judge whether a reserve amount is appropriate.

<Fourth Embodiment>
Next, a fourth embodiment will be described. The fourth embodiment differs from the second embodiment in that the accumulation processing unit 23 purchases a balance fund composed of a plurality of financial products. Specifically, as the accumulation process, the accumulation processing unit 23 purchases a balance fund composed of a plurality of financial products, the balance ratio is smaller than the target value of the accumulation ratio, and the target value of the accumulation ratio and the balance When there is a financial product whose difference from the ratio is larger than a predetermined value, a balance fund having a large proportion of the financial product is purchased from a plurality of balance funds. A balance fund is an investment trust that combines stocks and bonds at a predetermined ratio.

  Hereinafter, specific processing of the accumulation processing unit 23 according to the fourth embodiment will be described with reference to flowcharts. FIG. 12 is a flowchart illustrating a processing flow of the accumulation processing unit 23 according to the fourth embodiment.

The accumulation processing unit 23 acquires a balance for each balance fund type (S41). Subsequently, the accumulation processing unit 23 calculates a balance for each type of financial product in each balance fund based on the balance of each balance fund and the ratio of the financial products constituting each balance fund. Subsequently, the accumulation processing unit 23 calculates the balance for each type of financial product by summing the balances in each balance fund for each type of financial product (S42).
Since the processing from S43 to S47 is the same as the processing from S12 to S16 of the second embodiment, the description thereof is omitted.

Subsequently, the reserve processing unit 23 specifies a financial product in which the difference between the ratio of the balance of the reserve amount and the target value of the reserve ratio is greater than a predetermined value, and the difference between the target value of the reserve ratio is greater than the predetermined value A balance fund with a high proportion of financial products is identified (S48). The reserve processing unit 23 increases the reserve amount of the financial product whose difference is larger than the predetermined value by increasing the reserve amount of the specified balance fund compared to the reserve amount of other balance funds, and is set in S46 and S47 Adjustments are made to approach the balance ratio of the reserve amount of each financial product.
Subsequently, the accumulation processing unit 23 executes accumulation processing based on the balance fund configuration content adjusted in S48 (S49).

[Effects of the fourth embodiment]
As described above, the reserve amount management apparatus 1 according to the fourth embodiment uses the reserve processing unit 23 to purchase a balance fund composed of a plurality of financial products as the reserve process, and the ratio of the balance is the target of the reserve ratio. If there is a financial product that is smaller than the value and the difference between the target value of the funded ratio and the ratio of the balance is larger than the predetermined value, among the multiple balance funds, a balance fund with a large proportion of the financial product is purchased. The ratio of the balance of the financial product can be brought close to the target value of the funded ratio.

  As mentioned above, although this invention was demonstrated using embodiment, the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above embodiment. It is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

  For example, in the above embodiment, an example in which the reserve amount management apparatus 1 is configured by a single server has been described. However, the function of the reserve amount management apparatus 1 may be distributed to a plurality of servers. In the above embodiment, the reserve amount management unit 21 receives the reserve amount from the user of the client terminal 2, and the reserve ratio management unit 22 calculates the target value of the reserve ratio based on the reserve amount. Not exclusively. For example, the funding ratio management unit 22 may receive the funding ratio from the user of the client terminal 2, and the funding amount management unit 21 may calculate the funding amount based on the funding ratio.

1 ... Reserve amount management device 10 ... Storage unit 11 ... Reserve amount information storage unit 12 ... Holding amount information storage unit 20 ... Control unit 21 ... Reserve amount management unit 22 ... Accumulation ratio management unit 23... Accumulation processing unit 24 .. pre-accumulation processing confirmation unit 2... Client terminal 3 .. billing system N 1... First network N 2.・ Fund management system

Claims (8)

A reserve amount management unit for managing a reserve amount periodically accumulated for a plurality of financial products in association with the plurality of financial products;
A funded ratio management unit that manages a target value of a ratio of the accumulated amount of each of the plurality of financial products in association with the plurality of financial products;
A reserve processing unit for executing a reserve process with the reserve amount;
With
The funding processing unit, for the financial products satisfying a predetermined condition of the relationship between the ratio of the balance of the funded amount and the target value among the plurality of financial products, the ratio of the balance of the funded amount and the target value To change the reserve amount to reduce the difference of
Reserve amount management device. The funding processing unit executes the funding process by increasing the funding amount for the financial product in which the ratio of the balance of the funding amount is smaller than the target value among the plurality of financial products, and the funding amount For the financial product whose balance ratio is larger than the target value, the funding process is executed with the funding amount lowered.
The reserve amount management apparatus according to claim 1. The reserve processing unit changes the reserve amount and executes the reserve process for a financial product in which a difference between a balance ratio of the reserve amount and the target value is larger than a predetermined value among the plurality of financial products. To
The reserve amount management apparatus according to claim 1 or 2. The funding processing unit calculates the funded amount of each financial product based on market information along with the relationship between the balance ratio and the target value, and executes the funding process.
The reserve amount management apparatus according to any one of claims 1 to 3. The reserve processing unit purchases a balance fund composed of the plurality of financial products as the reserve processing, the balance ratio is smaller than the target value, and the difference between the target value and the balance ratio is If there is a financial product larger than the predetermined value, purchase a balance fund with a large proportion of the financial product among multiple balance funds.
The reserve amount management apparatus according to any one of claims 1 to 4. Further comprising a confirmation part before funding processing for calculating each expected return and risk of the plurality of financial products and displaying a relationship between the calculated expected return and risk,
The reserve amount management apparatus according to any one of claims 1 to 5. A procedure for storing, in association with the plurality of financial products, a reserve amount to be periodically accumulated for the plurality of financial products;
Storing a target value of a ratio of the reserve amount of each of the plurality of financial products in association with the plurality of financial products;
A procedure for executing a reserve process with the reserve amount;
With
In the procedure of executing the funding process, among the plurality of financial products, for financial products in which a relationship between the ratio of the balance of the funded amount and the target value satisfies a predetermined condition, the ratio of the balance of the funded amount and the Changing the reserve amount to reduce the difference from the target value and executing the reserve process;
Funded amount management method. A reserve amount management system comprising a terminal and a management device capable of communicating with the terminal,
The terminal
A reception unit that accepts input of a reserve amount periodically accumulated for a plurality of financial products;
A transmission unit that transmits the accumulated amount to the management device in association with the plurality of financial products;
Have
The management device
A reserve amount management unit that manages the reserve amount received from the terminal in association with the plurality of financial products;
A funded ratio management unit that manages a target value of a ratio of the accumulated amount of each of the plurality of financial products in association with the plurality of financial products;
A reserve processing unit for executing a reserve process with the reserve amount;
With
The funding processing unit, for the financial products satisfying a predetermined condition of the relationship between the ratio of the balance of the funded amount and the target value among the plurality of financial products, the ratio of the balance of the funded amount and the target value To change the reserve amount to reduce the difference of
Funded amount management system.

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