JP2018073045A - Financial asset management method, financial asset management system and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To easily perform asset management that reflects a customer's investment policy as much as possible. SOLUTION: The financial asset management method of the present invention corresponds to a condition registration unit for registering a condition regarding an exchange rate when shifting from a first financial asset to a second financial asset in a conditional storage area, and a deposited financial asset. Exchange between the asset recording unit that records the first financial asset in the asset storage area and the exchange for shifting from the first financial asset to the second financial asset when the first set time has elapsed since the first financial asset was recorded. Judgment that the rate satisfies the condition, and if the condition is not satisfied, it is determined again whether the condition is satisfied every time the first set time elapses until the condition is satisfied. Includes part and. [Selection diagram] FIG. 5

Description

  The present invention relates to a technique for managing financial assets.

  When managing and managing financial assets, foreign currency may be purchased and used as deposits. There are various methods of operation, and depending on the method, operation may be difficult by human work. For example, Patent Literature 1 discloses a foreign currency management support system that can realize operations in foreign exchange futures transactions.

JP 2003-150788 A

  By the way, in the case of management that expects foreign exchange gains, there is a foreign currency time deposit as an example of the management method. In general, foreign currency deposits cannot be reviewed during the deposit period. Therefore, according to the management policy that the customer was thinking, even if there was a change in the situation (such as fluctuations in exchange rates) that had to be returned to yen, it was not possible to take action.

  One of the objects of the present invention is to facilitate asset management that reflects the customer's management policy as much as possible.

  According to one embodiment of the present invention, a condition registration unit that registers a condition relating to an exchange rate when shifting from the first financial asset to the second financial asset in the condition storage area, and the first financial according to the deposited financial asset An asset recording unit for recording an asset in an asset storage area, and an exchange rate for shifting from the first financial asset to the second financial asset when a first set time has elapsed since the first financial asset was recorded. , It is determined whether or not the condition is satisfied, and if the condition is not satisfied, it is determined again whether or not the condition is satisfied every time the first set time elapses until the condition is satisfied. There is provided a financial asset management system including a determination unit for determining.

  The determination unit may further include a first shift unit that shifts the first financial asset recorded in the asset storage area to the second financial asset when it is determined that the condition is satisfied. .

  When a second set time elapses after the record of the asset storage area is shifted from the first financial asset to the second financial asset, the second financial asset recorded in the asset storage area is changed to the first financial asset. It may further include a second shift unit that shifts to.

  The determination by the determination unit is executed even when the first financial asset is recorded in the asset storage area by the second shift unit until a third set time elapses after the financial asset is deposited. May be.

  The first financial asset is one type of financial asset selected from a plurality of types of financial assets each having an income gain, and the second shift unit converts the second financial asset into the first financial asset. When shifting to, a type of financial asset to be the first financial asset may be selected based on an income gain corresponding to the plurality of types of financial assets.

  The first financial asset is one type of financial asset selected from a plurality of types of financial assets each having an income gain, and corresponds to each of the plurality of types of financial assets when the condition is not satisfied. It may further include a changing unit that selects any type of financial asset based on the income gain to be performed, and changes the first financial asset to the selected type of financial asset.

  The first financial asset is one type of financial asset selected from a plurality of types of financial assets each having an income gain determined, and an income gain that satisfies a predetermined condition for the type of the first financial asset. When there is a type of financial asset corresponding to, a change unit that changes the first financial asset to a type of financial asset that satisfies the predetermined condition may be further included.

  The first financial asset is one type of financial asset selected from a plurality of types of financial assets each having an income gain determined, and the condition relates to an income gain corresponding to the type of the first financial asset. Conditions may further be included.

  According to one embodiment of the present invention, a condition registration unit that registers a condition relating to an income gain corresponding to a financial asset in the condition storage area, and a first financial asset corresponding to the deposited financial asset is recorded in the asset storage area. And whether or not there is a type of financial asset that satisfies the condition for the income gain corresponding to the first financial asset among the income gains of the plurality of types of financial assets at predetermined time intervals. A financial asset management system comprising: a determination unit configured to change the type of the first financial asset to a type of financial asset that satisfies the condition when the financial asset corresponding to the income gain that satisfies the condition exists. Is provided.

  The financial asset type may be a currency type, and the income gain may be an interest rate.

  According to an embodiment of the present invention, it is possible to easily perform asset management that reflects a customer's management policy as much as possible.

It is a block diagram which shows the structure of the system in 1st Embodiment of this invention. It is a figure which shows the example of the asset management information in 1st Embodiment of this invention. It is a flowchart which shows the financial asset management method in 1st Embodiment of this invention. It is a figure explaining the asset operation setting screen in 1st Embodiment of this invention. It is a flowchart which shows the shift process in 1st Embodiment of this invention. It is a figure which shows the example of asset management in 1st Embodiment of this invention. It is a figure explaining the functional structure of the financial asset management system in 1st Embodiment of this invention. It is a flowchart which shows the interest rate monitoring process in 2nd Embodiment of this invention.

  Hereinafter, a system according to an embodiment of the present invention will be described in detail with reference to the drawings. The following embodiments are examples of the embodiments of the present invention, and the present invention is not limited to these embodiments.

<First Embodiment>
A system according to a first embodiment of the present invention will be described in detail with reference to the drawings.

[Structure of financial system]
FIG. 1 is a block diagram showing the configuration of a system in the first embodiment of the present invention. The financial asset management system 1 includes a management server 10 and a customer database 50 connected to the management server 10. The management server 10 is connected to the transaction server 70. The management server 10 transmits / receives information to / from the communication terminal 80 via a network NW such as the Internet or a communication line. The communication terminal 80 is a smartphone. Note that the communication terminal 80 may be a portable terminal that is connected to the network NW and can communicate with other devices, and may be, for example, a mobile phone, a notebook computer, a desktop personal computer, or the like. The transaction server 70 is a server for performing various financial transactions such as exchange transactions.

  The financial asset management system 1 manages and manages financial assets deposited from customers. In this example, a financial asset deposited in yen is operated as a foreign currency. At this time, the operation policy is set through the communication terminal 80. The financial asset management system 1 is operated by temporarily shifting foreign currency assets to yen assets or changing the type of foreign currency (USD, EUR, etc.) according to this operational policy. The management server 10 is a server for executing processing for performing such operations.

  The management server 10 includes a control unit 11 and a communication module 13. The control unit 11 includes an arithmetic processing circuit such as a CPU, a storage device such as a non-volatile memory, and a hard disk. The CPU executes a program stored in the storage device and causes the management server 10 to implement various functions. The storage device included in the control unit 11 can be said to be an example of a recording medium on which a program is recorded. The communication module 13 is connected to the network NW and transmits / receives information to / from other devices such as the communication terminal 80 connected to the network NW under the control of the control unit 11.

  Note that the program executed in the control unit 11 may be provided in a state stored in a computer-readable recording medium such as a magnetic recording medium, an optical recording medium, a magneto-optical recording medium, or a semiconductor memory. In this case, the management server 10 only needs to include a device that reads the recording medium. Each program may be downloaded via the network NW.

  The customer database 50 stores financial assets deposited from customers. The customer database 50 also stores information on the set operation policy. The information registered in the database is referred to as asset management information in the following description.

  FIG. 2 is a diagram showing an example of asset management information in the first embodiment of the present invention. The asset management information is information in which financial asset information, deposit date, period, exchange date, rate, exchange conditions, and interest rate priority are associated with the customer ID. The financial asset information is information indicating the types of yen assets (second financial assets), foreign currency assets (first financial assets), and foreign currencies. The type of foreign currency is information for distinguishing between US dollars (USD) and euros (EUR).

  The deposit date is the date when the asset was deposited and started to be operated. The period is a period during which the deposited financial asset is operated (for example, “5Y” indicates 5 years). The exchange date is the date when the yen asset and the foreign currency asset are shifted. That is, when there is data in the yen asset, it indicates the date when the foreign currency asset is shifted to the yen asset. On the other hand, when there is data in foreign currency assets, it indicates the date of shift from yen assets to foreign currency assets. The rate indicates the exchange rate when the yen asset and the foreign currency asset are shifted. In this example, the exchange rate to the yen for one currency unit of the foreign currency is shown. This exchange rate is a value corresponding to TTS (Telegraphic Transfer Selling). For example, the customer “cd67890” indicates that the exchange rate (TTS) when the yen is shifted to the foreign currency (USD) is 107 yen.

  The exchange condition is one of the conditions set as the operation policy, and in this example, the condition for causing the process of temporarily shifting the foreign currency asset to the yen asset is shown. For example, the exchange condition of + 2% is 2% or more due to the exchange rate (TTB: Telegraphic Transfer Buying) at a predetermined time with respect to the exchange rate (TTS) when the yen asset is shifted to the foreign currency asset. This is subject to foreign exchange gains. For example, when shifting to foreign currency assets at TTS = 100 yen, if TTB is 102 yen or more, the exchange condition is satisfied and the foreign currency assets are temporarily shifted to yen assets. If the exchange conditions are not met, there will be no shift to yen assets. The predetermined time is a timing that is periodically set as a time to review the operation. Hereinafter, this timing may be referred to as an intermediate maturity (details will be described later). In this example, the replacement condition is defined as a relative value (ratio), but may be defined as an absolute value (for example, +2 yen).

  Further, it may be treated as a setting that takes into account not only the exchange rate but also the amount of increase in assets due to interest rates. For example, when the replacement condition is + 2%, the replacement condition is satisfied in the following cases. First, the asset A is the original asset (yen asset) when it is finally shifted to a foreign currency asset. Asset B is the yen asset when it is shifted to yen assets again, including the increase in interest rates in foreign currency management, at the time of subsequent maturity. When the asset B increases by 2% or more with respect to the asset A, the condition of + 2% is satisfied. As described above, the exchange condition may include a condition relating to the interest rate corresponding to the currency in addition to the condition relating to the exchange rate.

  The interest rate priority setting indicates whether or not to allow a plurality of foreign currency types by giving priority to a foreign currency with a high interest rate when operating in a foreign currency. The “priority” interest rate setting is a setting that allows a change to another type of foreign currency based on the interest rate (for example, a high interest rate). “None” interest rate priority is a setting that does not allow a change to another type of foreign currency.

[Operation of financial asset management system]
Next, the operation of the financial asset management system 1 will be described with reference to FIG.

  FIG. 3 is a flowchart showing the financial asset management method according to the first embodiment of the present invention. When the communication terminal 80 accesses the management server 10 and inputs a process for applying for asset management, a financial asset management method including the process shown in FIG. 3 is executed. First, the management server 10 receives an operation policy setting from the communication terminal 80, and executes a process (condition registration process) for registering asset management information including the condition of the operation policy in the customer database 50 (step S101). ). In the condition registration process, first, the management server 10 provides a screen (asset operation setting screen) for setting an operation policy to the communication terminal 80. Thereby, the asset operation setting screen is displayed on the display of the communication terminal 80.

  FIG. 4 is a diagram illustrating an asset operation setting screen in the first embodiment of the present invention. The asset operation setting screen DA includes areas D1 to D5 for inputting contents set as the operation policy. The area D1 is an area for setting a yen asset to be operated. The area D2 is an area in which an operation period (asset deposit period) is set. The area D3 is an area for setting conditions for generating a process of temporarily shifting foreign currency assets to yen assets. The area D4 is an area for setting the type of foreign currency serving as a reference in operation. Area D5 is an area for setting whether or not the foreign currency with a high interest rate is given priority in the operation in foreign currency, and the operation other than the type of foreign currency set in area D4 (operation using a plurality of foreign currencies) is permitted. is there. When the setting button B1 is operated after the user inputs the areas D1 to D5, the management server 10 receives the information input to the areas D1 to D5 as the operation policy settings.

  Returning to FIG. 3, the description will be continued. When the management server 10 receives the setting of the operation policy from the communication terminal 80 and registers it in the customer database 50, the management server 10 executes processing for depositing assets from the customer (asset deposit processing) according to the settings (step S103). The management server 10 registers the asset management information in the customer database 50 based on the received setting. Subsequently, when the preset time elapses from the deposit date and the middle maturity is reached, the management server 10 converts the deposited yen asset into the foreign currency asset of the type specified in the area D4 via the transaction server 70. (Step S105). For example, if the type of the foreign currency designated in the area D4 is USD, the management server 10 shifts from the yen asset to the US dollar at the first intermediate maturity.

  When the management server 10 shifts from the yen asset to the foreign currency asset, the management server 10 executes a process of recording the foreign currency asset in the asset management information (asset recording process) (step S107). At this time, the management server 10 also registers the date (exchange date) and the exchange rate when shifting from the yen asset to the foreign currency asset together with the shifted asset. In the processing described below, this registration method is the same when shifting from a yen asset to a foreign currency asset and when shifting from a foreign currency asset to a yen asset. On the other hand, when a shift from a foreign currency asset to a yen asset is performed, the exchange rate does not necessarily have to be registered.

  Subsequently, the management server 10 executes shift processing until the operation period (deposit period) ends after the set time (third set time) has elapsed from the deposit date (step S200), and when the operation period ends. The processing included in the financial asset management method ends. The shift process is a process for shifting the yen asset and the foreign currency asset in accordance with the set operation policy. The shift process will be described with reference to FIG.

  FIG. 5 is a flowchart showing the shift processing in the first embodiment of the present invention. When the shift process is started, first, the control unit 11 performs initialization to define a reference date for measuring the time until the middle maturity (step S201). The control unit 11 waits until the first set time elapses after the initialization or the deposit period ends (Step S211; No, Step S213; No). The first set time is a time until the middle maturity, and is defined as one month in this example. The first set time may be specified by the customer as one of the conditions of the operation policy on the asset operation setting screen described above.

  When it is determined that the first set time has elapsed and the middle maturity has been reached (step S211; Yes), the control unit 11 obtains an exchange rate for shifting the foreign currency asset to the yen asset from the transaction server 70. Then, it is determined whether or not this exchange rate satisfies the exchange condition (step S221). When it is determined that the exchange condition is satisfied (step S221; Yes), the control unit 11 shifts the foreign currency asset to the yen asset via the transaction server 70 (step S223) and registers it in the asset management information (first). Shift processing). Foreign currency assets shifted to yen assets have been increased by interest rates corresponding to the first set time (one month) until mid-term maturity. Therefore, even if the exchange rate (TTS) when shifting to foreign currency assets is the same as the exchange rate (TTB) when shifting to yen assets and there is no foreign exchange gain, it corresponds to the type of foreign currency Assets increase with interest rates. The increase in assets due to interest rates takes place in any period.

  Then, the control unit 11 performs initialization for measuring the time until the intermediate maturity (step S225). The controller 11 waits until the second set time elapses after the initialization or until the deposit period ends (step S231; No, step S233; No). The second set time is the time until the middle maturity, similar to the first set time, and is defined as one month in this example. The second setting time may also be specified by the customer as one condition of the operation policy on the above-described asset operation setting screen. Note that the first set time and the second set time may be different.

  When it is determined that the second set time has elapsed and the intermediate maturity has been reached (step S231; Yes), the control unit 11 again shifts the yen asset to the foreign currency asset via the transaction server 70 (step S243). And registered in the asset management information (second shift process). And the control part 11 returns to the process of step S201, and performs the initialization for measuring the time to an intermediate maturity.

  On the other hand, when it determines with the exchange conditions not satisfy | filling in determination of step S221 (step S221; No), the control part 11 determines whether there exists interest rate priority setting (step S251). If it is determined that there is interest rate priority setting (step S251; Yes), the control unit 11 determines whether there is a foreign currency type that satisfies the interest rate via the transaction server 70 or a server that can refer to the interest rate. Determination is made (step S271). The foreign currency satisfying the interest rate is a set value (for example, 1) which is determined in advance from the interest rate of the foreign currency A by comparing the interest rate in the foreign currency type (foreign currency A) as the current asset and other foreign currency types. %) Foreign currency with higher interest rates. On the asset operation setting screen described above, the customer may be able to specify this setting value as one condition of the operation policy. In addition, on the above-described asset management setting screen, the customer may be able to specify in advance the type of foreign currency to be determined as one of the management policies, that is, the type of foreign currency as the management target.

  When it is determined that there is no interest rate priority setting (step S251; No), or when it is determined that there is no foreign currency type that satisfies the interest rate (step S271; No), the control unit 11 returns to the process of step S201. Initialization is performed to measure the time until the middle maturity.

  On the other hand, if it is determined that there is a foreign currency type that satisfies the interest rate (step S271; Yes), the control unit 11 selects another type of foreign currency that satisfies the interest rate, and via the transaction server 70, The foreign currency asset is shifted so as to change to the selected type of foreign currency (step S273) and registered in the asset management information (change process). When a plurality of types of foreign currency satisfy the interest rate condition, one is selected according to a predetermined rule (for example, one with the highest interest rate among the foreign currencies to be managed). This rule may be specified by the customer as one condition of the operation policy on the above-described asset operation setting screen. And the control part 11 returns to the process of step S201, and performs the initialization for measuring the time to an intermediate maturity.

  If it is determined in step S213 or step S233 that the deposit period has ended (step S213; Yes, step S233; Yes), the control unit 11 ends the shift process and continues as shown in FIG. The processing by the financial asset management method shown in FIG. As a result, the customer receives the financial asset managed according to the set management policy. If the currency type of the financial asset after the deposit period has been designated, a shift to that currency is performed. The type of currency received after the deposit period ends may be set on the operation setting screen. This completes the explanation of the financial asset management method.

  Next, an operation example of financial assets by the above-described financial asset management method will be described with reference to FIG.

  FIG. 6 is a diagram illustrating an example of asset management in the first embodiment of the present invention. In this example, the exchange condition is + 2%. First, a yen asset is deposited as a one-month fixed deposit (SS1). When one month passes and the middle maturity is reached, it is shifted to foreign currency assets (USD) at the exchange rate at that time (TTS = 100 yen / 1 USD), and becomes a foreign currency time deposit (SS2). Furthermore, the exchange rate (TTB) when one month passed was 105 yen / 1 USD. In this case, since the exchange rate is changed to + 2% or more, the exchange condition is satisfied. Therefore, it is shifted to yen assets and becomes a yen time deposit (SS3).

  When one month elapses, the foreign currency asset is shifted to the foreign currency asset (USD) at the exchange rate at that time (TTS = 103 yen / 1 USD) (SS4). Furthermore, the exchange rate (TTB) when one month passed was 104 yen / 1 USD. In this case, since the exchange rate has not changed to + 2% or more, the exchange condition is not satisfied.

  At this time, if there is no interest rate priority setting, or if there is interest rate priority setting and the interest rate condition is not satisfied, the type of foreign currency is not changed, and the one-month time deposit is continued as it is (SS5). Furthermore, the exchange rate (TTB) when one month passed was 130 yen / 1 USD. In this case, since the exchange rate changes to + 2% or more with respect to the rate at the time of the last shift, the exchange condition is satisfied. Therefore, it is shifted to yen assets and becomes a yen time deposit (SS6).

  On the other hand, in SS4, when there is interest priority setting and there is a foreign currency that satisfies the interest rate (EUR in this example), the type of foreign currency is changed (shifted) from USD to EUR to become an EUR time deposit (SS7). ). Furthermore, the exchange rate (TTB) when one month passed was 130 yen / 1 USD when converted from EUR to USD. In this case, since the exchange rate changes to + 2% or more with respect to the rate at the time of the last shift, the exchange condition is satisfied. Therefore, it is shifted to yen assets and becomes a yen time deposit (SS8).

  In this example, although the operation example for five months was shown, the shift | offset | difference of a yen asset and a foreign currency asset is repeated according to the relationship between an exchange rate and exchange conditions until the set deposit period is complete | finished. Thus, according to the above-described financial asset management method, the financial asset is managed by shifting between the yen asset and the foreign currency asset in accordance with the management policy set in advance by the customer. Accordingly, since the customer only needs to set an operation policy, asset management reflecting the customer's operation policy as much as possible can be easily performed.

[Functional configuration of financial asset management system]
FIG. 7 is a diagram illustrating the functional configuration of the financial asset management system according to the first embodiment of the present invention. In the example illustrated in FIG. 7, the functions related to the management server 10 and the functions related to the customer database 50 are described separately. Note that these functions may be distributed and processed when more devices (such as servers) cooperate. Further, the management server 10 may have the function of the customer database 50.

  The management server 10 includes a condition registration unit 110, an asset recording unit 130, a determination unit 150, a first shift unit 160, a second shift unit 170, and a change unit 190. The customer database 50 includes a condition storage area 510 and an asset storage area 530.

  The condition storage area 510 is an area for storing settings relating to the operation policy such as exchange conditions in the asset management information. The asset storage area 530 is an area for storing financial assets in the asset management information. In this example, the financial assets correspond to yen assets (first financial assets) and foreign currency assets (second financial assets). The foreign currency assets here refer to assets of all currencies other than yen, regardless of the type of foreign currency.

  The condition registration unit 110 registers the operation policy set via the communication terminal 80 in the condition storage area 510. This process corresponds to step S101 shown in FIG. This management policy includes at least a condition (exchange condition) regarding an exchange rate when shifting from a foreign currency asset to a yen asset. The asset recording unit 130 records the operated yen assets and foreign currency assets in the asset storage area 530. This process corresponds to step S107 shown in FIG.

  The determination unit 150 determines whether or not the exchange rate for shifting from the yen asset to the foreign currency asset when the first set time has elapsed after the foreign currency asset is recorded in the asset storage area 530 satisfies the exchange condition. judge. This determination is performed every time the first set time elapses until the condition is satisfied. This processing corresponds to steps S211, 221, 251 271 and 273 shown in FIG. This process is also executed when a foreign currency asset is recorded in the asset storage area 530 by the shift by the second shift unit 170. Then, after the financial asset is deposited, it continues until the third set time elapses and the deposit period ends.

  If the determination unit 150 determines that the exchange condition is satisfied, the first shift unit 160 shifts the foreign currency asset recorded in the asset storage area 530 to a yen asset. This process corresponds to step S223 shown in FIG.

  The second shift unit 170 shifts the yen asset recorded in the asset storage area 530 to the foreign currency asset when the second set time has elapsed since the first shift unit 160 shifted from the foreign currency asset to the yen asset. This process corresponds to steps S231 and S243 shown in FIG. Even when a foreign currency asset is recorded in the asset storage area 530, the process in the determination unit 150 is executed.

  The change unit 190 is a function used when there is interest rate priority setting, and is a case where the determination unit 150 determines that the exchange condition is not satisfied, and a currency that satisfies the interest rate (in this example, a foreign currency) ), The foreign currency asset is changed (shifted) to another type of currency that satisfies the interest rate condition. This process corresponds to step S273 shown in FIG. The above is the description of the functional configuration in the financial asset management system 1.

Second Embodiment
In the first embodiment, when there is interest rate priority setting and the exchange condition for shifting foreign currency assets to yen assets is not satisfied, if there is a foreign currency type that satisfies the interest rate, the foreign currency type is changed. It was so shifted. That is, when the middle maturity is reached, the type of foreign currency may be changed. In the second embodiment, the interest rate of each currency is monitored, and if there is a foreign currency type that satisfies the interest rate even if the middle maturity is not reached, the foreign currency type is changed.

  FIG. 8 is a flowchart showing the interest rate monitoring process in the second embodiment of the present invention. In the shift process described above, during the period in which the financial asset is a foreign currency asset, the process of monitoring the interest rate of each currency (interest rate monitoring process) is processed in parallel.

  The control part 11 complete | finishes an interest rate monitoring process, when it has shifted to a yen coin after this process was started (step S501; Yes). On the other hand, the control part 11 determines whether there exists the kind of foreign currency which satisfy | fills an interest rate, when not shifting to a yen (step S501; No), ie, when it is still a foreign currency asset (step S503). ). As in the first embodiment, the foreign currency that satisfies the interest rate is determined in advance by comparing the interest rate of the foreign currency type (foreign currency A) as the current asset with other foreign currency types, and predetermining the foreign currency A interest rate. A foreign currency having an interest rate higher than a set value (for example, 1%). This setting value may also be specified by the customer as one condition of the operation policy on the above-described asset operation setting screen.

  When it is determined that there is no foreign currency type that satisfies the interest rate (step S503; No), the control unit 11 returns to the process of step S501.

  On the other hand, if it is determined that there is a foreign currency type that satisfies the interest rate (step S2503; Yes), the control unit 11 changes (shifts) the foreign currency asset to another type of foreign currency that satisfies the interest rate (step). S505), registered in the asset management information. And the control part 11 returns to the process of step S501.

<Modification>
As mentioned above, although embodiment and the Example of this invention were described, this invention can be implemented in various aspects as follows.

(1) In the above-described embodiment, when the control unit 11 shifts a yen asset to a foreign currency asset, the control unit 11 selects a foreign currency type from a plurality of types of foreign currency based on the interest rate corresponding to each foreign currency. Also good. The type of foreign currency may be, for example, a foreign currency with a high interest rate. Note that the type of foreign currency to be selected may be selected from types preset on the asset management setting screen or the like.

(2) In the above-described embodiment, yen assets and foreign currency assets are exemplified as financial assets. However, other assets may be used as long as they are financial assets that generate an income gain such as an interest rate. For example, the financial asset replacing the foreign currency asset may be a stock or real estate. For stocks, stock prices correspond to exchange rates and dividends correspond to interest rates. Moreover, the kind of currency was illustrated as a kind of 1st financial asset. If it is a stock, it corresponds to the company that issued the stock as the type of the first financial asset.

(3) In the embodiment described above, the functional configuration of the management server 10 includes the condition registration unit 110, the asset recording unit 130, the determination unit 150, the first shift unit 160, the second shift unit 170, and the change unit 190. However, the present invention is not limited to the case where all configurations are included. For example, the management server 10 may include a condition registration unit 110, an asset recording unit 130, and a determination unit 150. In this case, the determination result of the determination unit 150 may be used in another device. The processing in another device may not be processing corresponding to the first shift unit 160, the second shift unit 170, and the change unit 190. For example, the determination result may be used for notification to a customer or may be used for a financial transaction. Of course, the management server 10 may be configured to include the first shift unit 160 with respect to the condition registration unit 110, the asset recording unit 130, and the determination unit 150. The management server 10 may further include a second shift unit 170.

(4) The interest rate monitoring process in the second embodiment described above is not limited to the process in parallel with the process in the financial asset management method in the first embodiment. For example, for a financial asset deposited as a predetermined type of currency, the type of currency may be changed using a method of interest rate monitoring processing until a preset period ends. In this case, the condition registration unit 110 registers the interest rate condition regarding the interest rate (income gain) corresponding to the financial asset in the condition storage area. The asset recording unit 130 records the deposited currency in the asset storage area. The determination unit 150 determines whether or not there is a currency type that satisfies the interest rate for the interest rate corresponding to the currency stored in the asset storage area among the income gains of a plurality of types of financial assets every predetermined time. judge. When there is a currency that satisfies the interest rate, the changing unit 190 changes (shifts) the currency stored in the asset recording area to the type of currency that satisfies the interest rate. On the other hand, in this example, the first shift unit 160 and the second shift unit 170 may be unnecessary.

(5) In the above-described embodiment, the time until the middle maturity (first set time, second set time) is exemplified as one month. This time may not be a unit such as one month or one day, but may be a shorter unit such as one hour, one minute, or one second.

(6) In the embodiment described above, another type of currency satisfying the interest rate is selected from among the types of currencies to be operated, and a change process is performed to shift the foreign currency asset so as to change to the selected type of currency. ing. At this time, the type of currency to be operated may be set in advance, or may be specified by the customer as one condition of the operation policy. It should be noted that conditions may be determined so that currency types for which the exchange rate for the most recent month is greater than a preset decline rate are excluded from the target of operation. In this way, even if interest rates are high, it is possible to reduce the risk of suffering a large loss as a result of the loss of the value of the currency itself.

(7) When asset management by the financial asset management system 1 is performed, it may be added above the interest rate applied to a normal time deposit. At this time, the addition of interest may be applied to both yen assets and foreign currency assets, or may be applied only to one (for example, yen assets).

DESCRIPTION OF SYMBOLS 1 ... Financial asset management system, 10 ... Management server, 11 ... Control part, 13 ... Communication module, 50 ... Customer database, 70 ... Transaction server, 80 ... Communication terminal, 110 ... Condition registration part, 130 ... Asset recording part, 150 ... Determining unit, 160 ... First shift unit, 170 ... Second shift unit, 190 ... Change unit, 510 ... Condition storage area, 530 ... Asset storage area

Claims (10)

A condition registration unit for registering a condition relating to an exchange rate when shifting from the first financial asset to the second financial asset in the condition storage area;
An asset recording unit for recording the first financial asset corresponding to the deposited financial asset in the asset storage area;
Determining whether an exchange rate for shifting from the first financial asset to the second financial asset when a first set time has elapsed since the first financial asset was recorded satisfies the condition; A determination unit that determines again whether or not the condition is satisfied each time the first set time elapses until the condition is satisfied when the condition is not satisfied;
Including financial asset management system.   And a first shift unit that shifts the first financial asset recorded in the asset storage area to the second financial asset when the determination unit determines that the condition is satisfied. Item 2. The financial asset management system according to item 1.   When a second set time elapses after the record of the asset storage area is shifted from the first financial asset to the second financial asset, the second financial asset recorded in the asset storage area is changed to the first financial asset. The financial asset management system according to claim 2, further comprising a second shift unit that shifts to.   The determination by the determination unit is executed even when the first financial asset is recorded in the asset storage area by the second shift unit until a third set time elapses after the financial asset is deposited. The financial asset management system according to claim 3. The first financial asset is one type of financial asset selected from a plurality of types of financial assets each having an income gain.
The second shift unit selects a type of financial asset to be the first financial asset based on an income gain corresponding to the plurality of types of financial asset when the second financial asset is shifted to the first financial asset. The financial asset management system according to claim 3 or 4, which is selected. The first financial asset is one type of financial asset selected from a plurality of types of financial assets each having an income gain.
If the condition is not satisfied, any type of financial asset is selected based on the income gain corresponding to each of the plurality of types of financial assets, and the first financial asset is changed to the selected type of financial asset. The financial asset management system according to claim 1, further comprising a changing unit. The first financial asset is one type of financial asset selected from a plurality of types of financial assets each having an income gain.
When there is a financial asset type corresponding to an income gain that satisfies a predetermined condition for the first financial asset type, the first financial asset is changed to a financial asset type that satisfies the predetermined condition. The financial asset management system according to claim 1, further comprising a changing unit. The first financial asset is one type of financial asset selected from a plurality of types of financial assets each having an income gain.
The financial asset management system according to claim 1, wherein the condition further includes a condition related to an income gain corresponding to the type of the first financial asset. A condition registration unit for registering a condition related to the income gain corresponding to the financial asset in the condition storage area;
An asset recording unit for recording the first financial asset corresponding to the deposited financial asset in the asset storage area;
A determination unit that determines whether or not there is a type of financial asset that satisfies the condition with respect to an income gain corresponding to the first financial asset among a plurality of types of income gain of the financial asset, for each predetermined time;
A financial asset management system comprising: a changing unit that changes the type of the first financial asset to the type of financial asset that satisfies the condition when the financial asset corresponding to the income gain that satisfies the condition exists. The financial asset type is a currency type;
The financial asset management system according to claim 5, wherein the income gain is an interest rate.

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