KR101460102B1 - Book Containing Education Means for Teaching Professional Calculator - Google Patents

Abstract

The present invention relates to a teaching material teaching a method of using a financial calculator, and in particular, a financial calculator user provides information about a financial situation story to be actually matched, The present invention relates to a teaching material teaching how to use a financial calculator. Using this textbook, which is based on the stories that occur at the actual financial counseling site, you can easily and systematically learn how to use the financial calculator according to the actual situation. Through this book, it is possible to effectively learn the method of extracting information for fund calculation and the fund calculation process for each story. In addition, we provide a cash flow in which the scale of the area is determined in proportion to the financial value, so that the learner can intuitively understand the result of the financial calculation. In addition, the system includes a fund calculation processor, a procedure for calculating the funds for each processor, and an explanation of how to use the financial calculator according to the type of the financial calculator, and a screen displayed on the actual financial calculator, Can effectively learn how to use the financial calculator.

Financial calculator, learning, story, fund calculation, financial situation, cash flow, scale

Description

Teaching Methods for Effective Use of Financial Calculators Teaching Materials for Teaching Professors (Book Containing Education Means for Teaching Professional Calculator)

The present invention relates to a teaching material containing instructional means for teaching effective use of a financial calculator. More specifically, the present invention relates to a financial situation story in which a financial calculator user actually engages, And to use a financial calculator that provides information as to whether or not to press.

So far, the learners who have purchased the financial calculator have learned how to use the financial calculator through the calculator manual included in the financial calculator. The financial calculator manual provides a detailed description of the functions of the financial calculator and fully explains the physical use of the financial calculator.

However, the special form of a calculator called the financial calculator is manufactured and sold because financial calculations differ significantly from those of general calculations. Hence, therefore, the use of financial calculator differs from the usage of general calculator in many cases, and therefore, the financial calculator manual, unlike the general calculator manual, describes in detail the physical usage of the financial calculator.

However, in order to use the financial calculator smoothly, it should not be used only for the physical use of the financial calculator itself (such as how to press a key, how to use a function or how to use it), and the use of a financial calculator . This financial situation varies according to the financial purpose of the consultant who is consulted by the user of the financial calculator or the user of the financial calculator. In order to use the financial calculator smoothly for the financial situation and financial purposes, the financial calculator manual which explains simple functions has a limitation .

The first technical problem to be solved by the present invention is a method of using a financial calculator that provides information on which buttons are to be pressed in which order by a financial calculator type, It is to provide teaching materials for teaching.

A second technical problem to be solved by the present invention is to provide a method for extracting information for calculating a fund for each story and an educational material for learning effectively the fund calculation process.

A third technical problem to be solved by the present invention is to provide a cash flow that allows a learner to intuitively understand the result of financial calculations and includes a fund calculation processor, In this paper, we propose a method of using the financial calculator by using the financial calculator. The method of using the financial calculator is presented by each processor and each order including the screen displayed on the actual financial calculator.

According to an aspect of the present invention, there is provided a textbook for a financial calculator teaching a usage of a financial calculator, the textbook being provided in the form of a story; A fund calculation process proposal unit for presenting a fund calculation execution process comprising at least one calculation process for performing a fund calculation according to a financial situation presented in the financial situation proposal unit; A fund calculation result display unit for providing the result of performing the fund calculation for the financial situation to at least one of images and charts; And a financial calculator usage method suggestion unit for providing a usage method for a predetermined type of financial calculator to perform the calculation of the financial status of the financial situation. The financial calculator education textbook teaching the usage of the financial calculator is provided .

And a fund calculation numerical element display unit for displaying element numerical information necessary for fund calculation among the information included in the story.

 And a calculation process explaining unit corresponding to the fund calculation process presentation unit, wherein the calculation process explaining unit further includes an explanation for each of the calculation processes, and the explanation includes a numerical value included in the fund calculation numerical element display unit It is preferable to use them.

Preferably, the fund calculation result display unit further includes at least two images of a predetermined theme image.

 Preferably, the two or more images are similar or equivalent series, and the area ratio or the height ratio or the width ratio of the image coincides with the result of performing the fund calculation.

Preferably, the financial calculator usage method suggestion unit includes a numerical value that must be actually input to the financial calculator of the predetermined model for each calculation process, and a button to be input.

The financial calculator usage method presentation unit may further include a financial calculator result screen display unit for displaying information displayed on a screen of the financial calculator of the predetermined model when the numeric value and the button are inputted for each calculation process.

 Wherein the financial calculator usage method presentation unit further comprises at least one financial calculator mode display unit for displaying a mode of the predetermined financial calculator, and the content of the financial calculator usage method display unit corresponds to the mode of the financial calculator .

And the financial calculator usage method display unit may further include an additional description unit for adding a note or a key content.

It is preferable that the chart is a straight line chart, and the straight line chart includes any one or more numerical values included in the numerical value display unit of the fund calculation numerical value display unit.

Preferably, the financial calculator educational materials are grouped by at least one financial purpose.

It is preferable that the story is a sentence including at least one numerical value, and at least one of the numerical values constitutes the contents of the fund calculation numerical element display unit.

Therefore,

- Present story to the learner according to actual life and case, and multiply the effect of learning by inducing the learner to select function and numerical value of financial calculator.

- Allows the learner to intuitively recognize financial results by revealing the results of the financial calculator through images and charts. At this time, the result of the financial calculator displayed as an image greatly increases the learner's intuitiveness by making the width, height, and width of the current value and the future value proportional to each other.

- It enables the learner to easily use the financial calculator by displaying the function of the financial calculator, and the selection of numerical values in sequence.

Hereinafter, the present invention will be described in detail with reference to the drawings.

FIG. 1 shows an example of a structure of a financial calculator education textbook (hereinafter referred to as a financial textbook) according to the present invention, and FIGS. 2 to 4 show an enlarged view of FIG.

The financial material shown includes a financial situation presentation unit 10, a fund calculation process presentation unit 20, a fund calculation execution result display unit 30, a financial calculator usage method presentation unit 40, a fund calculation numerical element display unit 50, An explanation unit 60, a financial calculator result screen display unit 70, and an additional explanation unit 80. [

Prior to the description,

Fig. 2 is an enlarged view of the financial situation presenting unit, the fund calculation numerical element display unit 50 and the fund calculation process presentation unit 20 shown in Fig. 1,

FIG. 3 is an enlarged view of the result display unit 30 and the calculation process explaining unit 60 of FIG. 1,

FIG. 4 is an enlarged view of the financial calculator usage method presentation unit 40 of FIG.

Therefore, the description of each part in Fig. 1 will be made with reference to Figs. 2 to 4 together.

The financial situation suggestion unit 10 displays a case of a financial situation that can be actually generated with a form of a story.

In the diagram, "Mr. Hong is planning to retire after 20 years, and the necessary fund is 500 million won." In this way, students can easily understand the financial situation when they need to perform financial calculations through the financial calculator by showing the financial situation in the form of a story that can be easily accessed in everyday life.

The fund calculation numerical element display unit 50 displays numerical values of various financial situations such as a period corresponding to a story, a money amount, an interest rate, a profit rate, a value, and the like, which are numerical values of various financial situations included in a story.

The story described in the financial situation suggestion unit 10 allows the learner to understand and understand the financial situation and includes numerical values corresponding to the financial situation. After the learner understands the financial situation through the story, the learner must decide how to apply the financial situation to the financial calculator.

The fund calculation numerical element display unit 50 displays numerical values for each item included in the story as terms suitable for financial calculation and corresponding numerical values. In the figure, the situation of the story is summarized and displayed in the form of a required fund of 500 million won, a 15-year accumulation period, a 5-year grace period, and a 10% return rate. The learner judges an approximate situation through a story and then inquires the numerical value sorted by each item in the fund calculation numerical element display unit 50 to estimate how to apply the story to the financial calculator. Also, the financial calculator usually uses standardized terms such as required funds, accumulation period, deposit period, and profit rate, and the fund calculation numerical element display unit 50 summarizes the story through standardized terms.

The fund calculation process presentation unit 20 associates the function values of the financial calculator with the numerical values displayed in accordance with the standard terms in the fund calculation numeric element display unit 50. [

In the figure, a numerical value of a story is divided into a substantial embedding period and an accumulating period,

(PV), a holding period input (N), a yield input (I / V), and a present value calculation (FV1) ), Return rate input (I / V), and present value calculation (FV1) items in the financial calculator,

- Assign the future value input (FV2), the accumulation frequency input (N), the monthly return input (I / V), and the monthly reserve calculation (PMT) to the accumulation section and input each numerical value into the financial calculator .

The financial calculator usage method presentation unit 40 refers to the story displayed in the financial situation presentation unit 10, the numerical value displayed on the fund calculation numerical element display unit 50, and the fund calculation process presentation unit 20, The function to be performed, and the numerical value. The financial calculator usage method suggestion unit 40 numbers the functions and the numerical values according to the order of inputting and arranges functions and numerical values to be selected by the learner through the buttons of the actual financial calculator in numerical order.

In the drawings, function and number buttons to be selected in the actual financial calculator are exemplified from "Enter Investment Amount", "Enter Number of Earnings", "Enter Rate of Return", ..., "Confirm Future Value after Press Commands" have.

When the learner inputs a function and a numerical value into the actual financial calculator according to the story described in the financial situation presenting unit, the fund calculation execution result display unit 30 displays the corresponding result value. The displayed result value is indicated through the chart, and the image. here,

As shown in FIG. 3, the image has a shape in which its area, height, and width linearly increase according to current and future numerical values. FIG. 3 shows an example in which the size of the image in the form of a tree is determined according to 50 years, PMT, 20, and 25 years. Each tree image has a resemblance, allowing the flow of money to be consistent by allowing the size of the tree (either height, width, or area) to be determined for the amount of the period. The reason for using the wood image is to make it possible to immediately recognize the increase / decrease of the amount by using the height, width, or area of the wood image. Accordingly, the fund calculation result display unit 30 may display various types of images instead of the wood image. However, no matter what type of image is applied, each image must vary in size, height, and width depending on time, or amount of money.

At the bottom of the tree image, the amount or period corresponding to the image of the tree is displayed so that the learner can know the correct amount.

Also, at the bottom of each tree image, a chart in the form of a straight line graph is added. The chart shows the amount, period, or interest rate matching the tree image in a horizontal chart. In this way, the chart can express the continuity of time that can not be expressed simply by numerical values (amount, period, and interest rate) that are matched to the image and image of the tree shape, so that the learner can intuitively understand the change of the numerical value Help.

The calculation process explaining unit 60 describes the calculation process to be presented to the learner in the fund calculation process presentation unit 20 in detail. The calculation process explaining unit 60 displays each function constituting the calculation process presented by the fund calculation process presentation unit 20 and input numerical values corresponding to each function by matching.

For example, if it is assumed that the story presented in the financial situation suggestion unit 10 is as shown in FIG. 2, the learner must calculate the stationary period and the accumulation period.

In the case where the stationary section is calculated in accordance with the appearance of the story, the calculation process interpreting section 60,

- Mark the comment that the function PMT of the actual financial calculator should be selected and the function PMT should be entered as 50 for the case that Mr. Hong Gil-dong pays 500,000 won at the end of the monthly installment fund,

- a comment for inputting 20 to the function N for a 20-year accumulation period,

- Select the function I / Y of the actual financial calculator for the yield rate of 12% of the installment fund, enter 12,

- Indicate an explanation for selecting the function FV1 to calculate the future value after selecting the future value calculation command CPT for the "What is the expiration date of Mr. Hong Kil-dong after 25 years?" Presented in the story.

In this way, the calculation process explaining unit 60 kindly expresses the function to be selected by the learner and the numerical value to be substituted for the function for each situation constituting the story, and the learner can easily express the firstly presented story in the financial situation- At the beginning, the numerical elements included in the story, the calculation process suitable for the story, and the commentary of the calculation process can be inquired at a glance. In addition, the learner can view the image and the chart corresponding to the calculation result through the result display unit 30 of the fund calculation result, and the intuitive image of the calculation result and the detailed amount (or period or rate, ) Can be seen together so that intuitive learning effect and detailed learning effect can be enjoyed together.

The supplementary explanation unit 80 is formed in the financial calculator usage method presentation unit 40 and shows a detailed procedure in which the learner operates the actual financial calculator.

When a learner selects a function using an actual financial calculator and assigns a numerical value (amount, period, interest rate, and the like) to the selected function, a button provided in the financial calculator is simply displayed in the fund calculation process presentation unit 20 You may not get the results you want just by selecting them in the order presented. The numerical value remaining in the financial calculator may influence the calculation next time and may lead to incorrect calculation results. Depending on the function, the wrong calculation value may be derived depending on the posterior relationship to be selected. Therefore, the additional description unit 80

A function that the learner selects according to the order proposed by the fund calculation process presentation unit 20,

- Indicate the action to take before the learner chooses a function.

In the drawing, prior to the calculation step 1 (inputting the investment amount), the item "Delete TVM worksheet value"

, "Additional value", "deletion of existing [N], [I / Y], [PV], [PMT], and [FV] value". This is meaningful so that the learner does not influence the new calculation by deleting the value or input value calculated in the previous calculation.

On the other hand, the financial calculator usage suggestion unit 40 may display the usage method for each mode. There are two types of modes: an END mode and a BGN mode, and one of the two modes may be selected according to the processing flow of the cash. This will be described with reference to FIG. 5 and FIG. 6 together.

FIG. 5 illustrates a calculation method for each of a final mode and an initial mode for one story, and FIG. 6 shows an enlarged view of FIG.

When financial transactions are made at the end of each period, financial calculations are performed by applying the final mode,

When the flow of funds occurs at the beginning of each period, financial calculation is performed by applying the default mode. It is possible to perform financial calculations by choosing either a termination mode or an initiation mode depending on the learner. However, if a certain cash flow occurs during a certain period of time such as a deposit, an installment fund, and a pension, . For example,

If A contracts for one year maturity on March 1, 2006 and makes monthly installments, the period will be 12 installments from March 1, 2006 to February 1, 2007, waiting for a month, . In other words, since the monthly payment is to be put in the "beginning of the month", the learner must change the calculation mode of the financial calculator to the standby mode.

Accordingly, it is preferable that the financial calculator usage method suggestion unit 40 displays different calculation procedures and additional descriptions according to the respective modes (final mode and default mode). 5, a financial calculator mode display unit 90 is added to the financial calculator usage suggestion unit 40, and the calculation order and the additional description are displayed for each mode.

Hereinafter, an embodiment of the present invention will be described with reference to one comprehensive financial counseling case, with reference to FIGS. 7 to 14. FIG. A comprehensive financial counseling case refers to a case where a financial situation suggestion unit 10 includes two or more detailed financial counseling topics. This comprehensive financial counseling case occurred during the actual financial consultation. In order to maximize the educational effect, this situation was presented in a dialogue form.

7 to 8, showing that the present invention concept is applied to each of the three detailed financial counseling topics in the financial situation city block 10. [0050] FIG. The above three financial situations are marital preliminary funds related to FIG. 8 to FIG. 10, birth preparation funds related to FIG. 11 to FIG. 12, and home purchase funds related to FIG. 13 to FIG.

The temporary example of the present invention relating to the general financial counseling case includes one financial situation suggestion unit 10 and the fund calculation process presentation unit 20, the fund calculation result display unit 30, A financial calculator usage suggestion unit 40, a fund calculation numerical element display unit 50, a calculation process explaining unit 60, and the like. Meanwhile, it is preferable that at least one of the financial calculator result screen display unit 70, the additional explanation unit 80, and the financial calculator mode display unit 90 is applied to each detailed financial situation. In this case, it can be seen that the supplementary explanation section (80) is commonly applied.

At this time, it is desirable that the portion corresponding to the numerical value of the important money calculation or the detailed financial purpose in the non-performing situation suggestion unit 10 is subjected to predetermined color processing.

Brief Description of Drawings Fig. 1 is a diagram showing one embodiment of a work content of a financial calculator teaching material in which the concept of the present invention is implemented,

FIG. 2 is an enlarged view of the financial situation suggestion unit, the fund calculation numerical element display unit, and the fund calculation process presentation unit of FIG. 1,

FIG. 3 is an enlarged view of the result display unit and the calculation process explaining unit of FIG. 1,

FIG. 4 is an enlarged view of the financial calculator usage method presentation unit of FIG. 1,

FIG. 5 is a view showing a financial calculator mode display unit according to another embodiment of the present invention and showing a method of using the financial calculator for each mode, and FIG.

FIG. 6 is an enlarged view of the financial calculator usage method presentation unit shown in FIG. 5,

FIGS. 7-14 are diagrams of an embodiment of the inventive idea for a general financial counseling case. FIGS. 7 to 14 show that the financial situation presenting section is shown in FIGS. 7 to 8, and the present invention is applied to each of the three detailed financial counseling topics in the financial situation city section.

Description of the Related Art

10: Financial situation presenting unit 20: Fund calculation process presentation unit

30: Result of the calculation of the result of money calculation Display 40: How to use the financial calculator

50: money calculation numerical element display part 60: calculation process comment part

70: financial calculator result screen display part 80: additional explanation part

90: Financial calculator mode display

Claims (11)

In a financial calculator educational textbook teaching the use of a financial calculator, A financial situation presenting unit provided in the form of a story; A fund calculation process proposal unit for presenting a fund calculation execution process comprising at least one calculation process for performing a fund calculation according to a financial situation presented in the financial situation proposal unit; A fund calculation result display unit for providing the result of performing the fund calculation for the financial situation to at least one of images and charts; And a method of using a financial calculator to provide a method of using the predetermined type of financial calculator to perform the calculation of the financial status of the financial situation. The method according to claim 1, And a fund calculation numerical element display unit for displaying element numerical information necessary for the fund calculation among the information included in the story. The financial calculator education textbook teaching the usage of the financial calculator. 3. The method of claim 2, And a calculation process explaining unit corresponding to the fund calculation process presentation unit, wherein the calculation process explaining unit further includes an explanation for each calculation process, Wherein the commentary is constructed by using numerical values included in the numerical value display unit of the fund calculation numerical element, and teaching the usage of the financial calculator. The method according to claim 1, Wherein the fund calculation result display unit further includes at least two images having a predetermined theme image. 2. The financial calculator educational tool as claimed in claim 1, 5. The method of claim 4, Wherein the area ratio or the height ratio or the width ratio of the image coincides with the result of the fund calculation. The method according to claim 1, Wherein the financial calculator usage method presentation unit includes a numerical value that must be actually input to the financial calculator of the predetermined model for each of the calculation processes, and a button to be input, as the contents. The financial calculator teaching method for teaching the usage of the financial calculator textbook. The method according to claim 6, The financial calculator usage method presentation unit may further include a financial calculator result screen display unit displaying information displayed on a screen of the financial calculator of the predetermined model when the numerical value and the button are inputted for each calculation process Financial calculator educational textbook teaching the use of financial calculator. The method according to claim 1, Wherein the financial calculator usage method presentation unit further comprises at least one financial calculator mode display unit for displaying a mode of the predetermined financial calculator, Wherein the contents of the financial calculator usage indicator correspond to the mode of the financial calculator. The teaching material for the financial calculator teaching the use of the financial calculator. delete The method according to claim 1, The chart is a straight line chart, Wherein the straight line chart includes at least one of the numerical values included in the numerical value display unit of the fund calculation numerical value display unit, and the financial calculator education textbook teaching the usage of the financial calculator. The method according to claim 1, Wherein the story is a sentence including at least one numerical value and at least one of the numerical values constitutes the contents of the fund calculation numerical element display unit. Educational materials.

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