JP2015132884A - Investment plan preparation device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To efficiently prepare an investment plan.SOLUTION: An investment plan preparation device includes: an investment amount reception unit which accepts input of a customer's investment amount; a questionnaire reception unit which receives an answer on a questionnaire on management of the investment amount; an investment plan determination unit which determines a first investment plan suitable for the investment amount on the basis of the answer; a simulation unit which performs a simulation of asset development when the investment amount is invested according to the first investment plan; and a graph display unit which displays a first asset transition graph showing a simulation result according to the first investing plan.

Description

  The present invention relates to an operation plan creation apparatus.

  A financial institution such as a securities company or a bank provides a service to manage customer assets at will according to the risk tolerance of customers and the purpose of investment (for example, Patent Document 1). In providing such services, sales staff at financial institutions conduct questionnaires to customers to understand their thinking about operations, take these questionnaire results back to the sales office, create operational plans, Proposes an operation plan.

JP 2004-178287 A

  As mentioned above, the operation plan is created based on the customer's questionnaire results, but it is necessary to take the questionnaire results back to the sales office and analyze them, so it takes time from the questionnaire to the proposal. Become. In addition, if the customer is not satisfied with the proposal, it is necessary to return to the sales office and re-create the operation plan, which is inefficient.

  The present invention has been made in view of such circumstances, and an object of the present invention is to enable efficient creation of an operation plan.

  An operation plan creation device according to one aspect of the present invention includes an investment amount reception unit that receives an input of a customer's investment amount, a questionnaire reception unit that receives an answer to a questionnaire about the operation of the investment amount, and an investment amount based on the response An operation plan determination unit for determining a first operation plan suitable for operation, a simulation unit for simulating the transition of assets when an investment amount is operated based on the first operation plan, and based on the first operation plan A graph display unit for displaying a first asset transition graph indicating the simulation result.

  In the present invention, the “part” does not simply mean a physical means, but includes a case where the function of the “part” is realized by software. Also, even if the functions of one “unit” or device are realized by two or more physical means or devices, the functions of two or more “units” or devices are realized by one physical means or device. May be.

  According to the present invention, it is possible to efficiently create an operation plan.

It is a figure which shows the structural example of the information processing system containing the user terminal which is one Embodiment of this invention. It is a figure which shows an example of the hardware constitutions of a user terminal. It is a block diagram which shows an example of the function which a user terminal has. It is a figure which shows an example of the screen which receives a plan investment amount. It is a figure which shows an example of the screen which receives the reply of a questionnaire. It is a figure which shows an example of the screen which displays the determination result by an operation plan determination part. It is a figure which shows an example of the screen which displays the portfolio of an operation plan. It is a figure which shows an example of the screen which displays an asset transition graph. It is a figure which shows an example of the screen which displays an effective frontier. FIG. 9 is a screen showing an example when “active” is designated as the operation plan in the slider bar of the screen shown in FIG. 8. In the slider bar of the screen shown in FIG. 9, it is a screen which shows an example when "somewhat aggressive" is designated as an operation plan.

  Hereinafter, an embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a diagram illustrating a configuration example of an information processing system including a user terminal according to an embodiment of the present invention. As illustrated in FIG. 1, the information processing system 100 includes a user terminal 110 and a server 120. Note that the user terminal 110 and the server 120 are communicably connected via a network such as the wireless communication network 130 and the Internet 140.

  The user terminal 110 is a computer used by the user. The user terminal 110 can be, for example, a portable information terminal such as a tablet computer. The user terminal 110 can be connected to the Internet 140 via a wireless communication network 130 such as a cellular phone network or a wireless LAN (Local Area Network). The user terminal 110 can exchange data with the server 120 connected to the Internet 140. In the present embodiment, the user terminal 110 is used as an operation plan creation device for creating an operation plan.

  The server 120 is a computer for providing various data and programs to the user terminal 110. The server 120 may be configured using a plurality of computers.

  FIG. 2 is a diagram illustrating an example of a hardware configuration of the user terminal 110. The user terminal 110 includes a memory 200, a processor 210, a touch panel 220, and a communication interface 230.

  The memory 200 is a storage device for storing data and programs used in the user terminal 110. The memory 200 includes a volatile storage area that temporarily stores data and programs, and a nonvolatile storage area that permanently stores data and programs.

  The processor 210 can implement various functions in the user terminal 110 by executing a program stored in the memory 200.

  The touch panel 220 is an input / output device in which a display device such as a liquid crystal display or an organic EL (ElectroLuminescence) display and a touch input device are combined. The user terminal 110 may include an externally connected display. Further, the user terminal 110 may include an input device such as a keyboard and a mouse.

  The communication interface 230 is an interface for communicating with the outside. The communication interface 230 includes, for example, an interface for connecting to a cellular phone network, an interface for connecting to a wireless LAN, an interface for connecting to a USB (Universal Serial Bus), and the like.

  FIG. 3 is a block diagram illustrating an example of functions that the user terminal 110 has. As shown in FIG. 3, the user terminal 110 includes an investment amount receiving unit 300, an investment amount storage unit 301, a questionnaire storage unit 302, a questionnaire reception unit 303, a questionnaire response storage unit 304, an operation plan storage unit 305, and an operation plan determination unit. 306, the simulation part 307, the graph display part 308, and the operation plan reception part 309 are included. 3 can be realized, for example, by using a storage area of the memory 200, or by executing a program stored in the memory 200 by the processor 210. Hereinafter, functions of the respective units shown in FIG. 3 will be described with reference to FIGS. 4 to 11.

  The investment amount receiving unit 300 receives the customer's planned investment amount (investment amount) and stores it in the investment amount storage unit 301. FIG. 4 is a diagram illustrating an example of a screen for receiving a planned investment amount. As shown in FIG. 4, the screen 400 is provided with a field 410 for inputting a planned investment amount. The amount can be input to the field 410 using, for example, an amount input interface 411. When the “Next” button 412 is pressed on the screen 400, the investment amount receiving unit 300 stores the amount input in the field 410 as the “planned investment amount” in the investment amount storage unit 301.

  Returning to FIG. 3, the questionnaire storage unit 302 stores a questionnaire regarding the operation of the planned investment amount. The questionnaire reception unit 303 presents the questionnaire stored in the questionnaire storage unit 302. FIG. 5 is a diagram showing an example of a screen for accepting questionnaire responses. As shown in FIG. 5, a questionnaire 500 having a plurality of items is displayed on the screen 500. The questionnaire 510 includes, for example, a question regarding the source of the planned investment amount. The question regarding the source of the planned investment amount includes, for example, options such as whether the source of the planned investment amount is a transfer from a deposit or an investment trust, retirement allowance, or real estate sale funds. In addition to the source of the planned investment amount, the questionnaire includes various items for judging the investment plan, such as questions regarding the investment period, investment purpose, and investment policy. When the “return” button 511 is pressed on the screen 500 shown in FIG. 5, the screen 400 returns to the screen 400 for accepting the input of the planned investment amount. When the “Next” button 512 is pressed on the screen 500, the questionnaire reception unit 303 stores the questionnaire response in the questionnaire response storage unit 304.

  Returning to FIG. 3, the operation plan storage unit 305 stores information on a plurality of operation plans proposed to the customer. The information about the operation plan includes, for example, information indicating the characteristics of the operation plan, information about the portfolio, and the like. The information indicating the characteristics of the operation plan includes information indicating the degree of whether each operation plan is conservative or aggressive in terms of expected return and expected risk. More specifically, for example, information indicating levels such as “conservative”, “slightly conservative”, “medium”, “slightly positive”, and “active” is included. The information indicating the characteristics of the operation plan includes information indicating an expected return and an expected risk in each operation plan.

  The operation plan determination unit 306 determines an operation plan suitable for the operation of the customer's planned investment amount based on the answer received by the questionnaire reception unit 303. For example, the operation plan determination unit 306 holds information indicating the relevance between each item of the questionnaire and the operation plan, and analyzes the customer's answer based on this information to determine the operation plan to be proposed to the customer. Can be determined. FIG. 6 is a diagram illustrating an example of a screen that displays the determination result by the operation plan determination unit 306. As illustrated in FIG. 6, the screen 600 includes an area 610 that indicates an answer to a questionnaire and an area 611 that indicates the degree of expected risk of the determined operation plan. When the “return” button is pressed on the screen 600 shown in FIG. 6, the screen returns to the screen 500 for accepting a questionnaire response. When the “Next” button 613 is pressed on the screen 600, the screen transitions to the screen 700 shown in FIG. FIG. 7 is a diagram illustrating an example of a screen that displays a portfolio of operation plans. The screen 700 is provided with a “portfolio” button 710, a “managed asset transition” button 711, and an “active frontier” button 712, and the “portfolio” button 710 is selected. The screen 700 displays the amount and ratio for each type of managed product (for example, domestic stocks and domestic bonds). When the button 711 or the button 712 is pressed on the screen 700 shown in FIG. 7, the screen changes to a screen showing a simulation result to be described later.

  Returning to FIG. 3, the simulation unit 307 simulates the transition of assets when the planned investment amount of the customer is operated based on the operation plan determined by the operation plan determination unit 306. Specifically, the simulation unit 307 simulates the transition of the planned investment amount based on the information indicating the expected return and the expected risk of the operation plan stored in the operation plan storage unit 305.

  The graph display unit 308 displays an asset transition graph indicating a simulation result by the simulation unit 307. In addition, the graph display unit 308 displays an effective frontier (a graph indicating an expected return and an expected risk) in each operation plan.

  FIG. 8 is a diagram illustrating an example of a screen that displays an asset transition graph. A screen 800 shown in FIG. 8 is displayed when a “transition of managed assets” button 711 is pressed. As shown in FIG. 8, in the asset transition graph 820, the horizontal axis indicates the number of years, and the vertical axis indicates the asset amount. The asset transition graph 820 shows a range where the asset is likely to transition when the planned investment amount is managed based on the management plan. In the example shown in FIG. 8, an upper limit value 821, a lower limit value 822, and a median value 823 of the range are displayed. Further, the screen 800 is provided with a slider bar 830 (operation plan selection area) for receiving designation of an operation plan different from the operation plan determined by the operation plan determination unit 306.

  FIG. 9 is a diagram illustrating an example of a screen that displays the effective frontier. The screen 900 shown in FIG. 9 is displayed when the “effective frontier” button 712 is pressed. As shown in FIG. 9, the effective frontier 910 shows the expected risk on the horizontal axis and the expected return on the vertical axis. The screen 900 displays an expected return and an expected risk value 911 in the operation plan determined by the operation plan determination unit 306. Further, the screen 900 is provided with a slider bar 830 for accepting designation of an operation plan different from the operation plan determined by the operation plan determination unit 306.

  Returning to FIG. 3, the operation plan reception unit 309 receives an input for designating an operation plan different from the operation plan determined by the operation plan determination unit 306. Specifically, the operation plan accepting unit 309 accepts an input for designating an operation plan by the slider bar 830 displayed on the screen 800 shown in FIG. 8 or the screen 900 shown in FIG.

  FIG. 10 is a screen showing an example when “active” is designated as the operation plan in the slider bar 830 of the screen 800. In the asset transition graph 820, the operation plan specified by the slider bar 830 is added to the simulation result (for example, the upper limit value 821, the lower limit value 822, and the median value 823) in the operation plan determined by the operation plan determination unit 306. Simulation results (for example, upper limit value 1000, lower limit value 1010, and median value 1020) are included. The simulation result in the operation plan specified by the slider bar 830 is obtained by the simulation unit 307.

  FIG. 11 is a screen showing an example when “slightly positive” is specified as the operation plan in the slider bar 830 of the screen 900. The effective frontier 910 includes an expected return and expected risk value 911 in the operation plan specified by the slider bar 830 in addition to the expected return and expected risk value 911 in the operation plan determined by the operation plan determination unit 306. It is.

  The present embodiment has been described above. According to the present embodiment, the user terminal 110 can receive an answer to a questionnaire about the investment amount management, and can determine an operation plan suitable for the investment amount operation based on the answer. Then, it is possible to simulate an asset transition when the investment amount is operated based on the determined management plan, and to display an asset transition graph indicating the simulation result. In this way, it is possible to efficiently create an operation plan to be presented to the customer.

  Moreover, according to this embodiment, the simulation result by the operation plan determined based on the questionnaire can be compared with the simulation result by another operation plan. That is, it is possible to present useful information to the customer when selecting an operation plan.

  Further, according to the present embodiment, a graph (effective frontier) that can compare the expected return and the expected risk in the determined operation plan with the expected return and the expected risk in a plurality of operation plans different from the operation plan is displayed. can do. That is, it is possible to present useful information to the customer when selecting an operation plan.

  Further, according to the present embodiment, an operation for inputting an answer to a questionnaire can be performed on the touch panel, and an asset transition graph based on the answer to the questionnaire can be displayed on the touch panel. Thereby, user operability can be improved.

  Further, according to the present embodiment, the user terminal can be a portable information terminal such as a tablet terminal. Thereby, for example, it becomes easy for a salesperson of a financial institution to hand over the user terminal to the customer at the visited site and have the customer operate the customer.

  Note that this embodiment is intended to facilitate understanding of the present invention and is not intended to limit the present invention. The present invention can be changed / improved without departing from the spirit thereof, and the present invention includes equivalents thereof.

DESCRIPTION OF SYMBOLS 100 Information processing system 110 User terminal 120 Server 130 Wireless communication network 140 Internet 200 Memory 210 Processor 220 Touch panel 230 Communication interface 300 Investment amount reception unit 301 Investment amount storage unit 302 Questionnaire storage unit 303 Questionnaire reception unit 304 Questionnaire answer storage unit 305 Operation plan Storage unit 306 Operation plan determination unit 307 Simulation unit 308 Graph display unit 309 Operation plan reception unit

Claims (7)

An investment amount receiving unit for receiving an input of the customer's investment amount;
A questionnaire reception unit for receiving an answer to a questionnaire on the operation of the investment amount;
An operation plan determination unit for determining a first operation plan suitable for operation of the investment amount based on the answer;
A simulation unit that simulates the transition of assets when the investment amount is managed based on the first management plan;
A graph display unit for displaying a first asset transition graph showing a simulation result based on the first operation plan;
An operation plan creation device comprising: The operation plan creation device according to claim 1,
The screen on which the first asset transition graph is displayed further includes an operation plan receiving unit that receives an input for designating a second operation plan different from the first operation plan,
The simulation unit simulates the transition of assets when the investment amount is managed based on the second management plan,
The graph display unit displays a second asset transition graph showing a simulation result based on the second operation plan together with the first asset transition graph.
Operation plan creation device. The operation plan creation device according to claim 2,
The operation plan reception unit receives an input for designating the second operation plan in an operation plan selection area in which a plurality of operation plans are arranged in order of expected risk.
Operation plan creation device. The operation plan creation device according to any one of claims 1 to 3,
The graph display unit further displays a comparison graph that can compare an expected return and an expected risk in the operation plan with an expected return and an expected risk in a plurality of operation plans different from the operation plan.
Operation plan creation device. The operation plan creation device according to any one of claims 1 to 4,
A touch panel on which the first asset transition graph is displayed;
An operation for inputting an answer to the questionnaire is performed on the touch panel.
Operation plan creation device. The operation plan creation device according to any one of claims 1 to 5,
The operation plan creation device is a portable information terminal.
Operation plan creation device. On the computer,
An investment amount receiving unit for receiving an input of the customer's investment amount;
A questionnaire reception unit for receiving an answer to a questionnaire on the operation of the investment amount;
An operation plan determination unit for determining a first operation plan suitable for operation of the investment amount based on the answer;
A simulation unit that simulates the transition of assets when the investment amount is managed based on the first management plan;
A graph display unit for displaying a first asset transition graph showing a simulation result based on the first operation plan;
A program to realize

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