KR101805420B1 - System and method for estimating reliability of stock investment using stock investment performance - Google Patents

Abstract

A stock trading and market information collection unit collecting stock trading information and stock market information of the subject to be evaluated; Based on the absolute profit-based investment performance calculated based on the stock trading information of the person to be evaluated and the investment performance based on the relative profit calculated by associating the composite index, the index for each business type, the sales standard, and the similar company information, An evaluation rating calculator for calculating an evaluation rating for evaluating investment reliability; And an evaluation rating providing unit for providing the information communication terminal with the evaluation rank of the person to be evaluated together with the identification information of the person to be evaluated.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a system and method for assessing stock investment reliability based on stock investment performance,

The present invention relates to a system and method for evaluating stock investment reliability based on stock investment performance, and more particularly, to a system and method for evaluating stock investment reliability based on stock investment performance, Based on the relative investment-based investment performance, which is related to the index of each business type, sales amount, and similar company information, the rating level for evaluating the stock investment reliability of the target person is calculated. Based on the stock investment performance, and a method thereof.

Generally, stocks listed on a securities company or other securities exchanges and tradable in the market are referred to as listed stocks. These listed stocks can be traded on the exchange only if the company satisfies certain conditions.

Stocks include listed stocks, as well as unlisted stocks. OTC stocks are stocks that are not listed on the stock exchange.

As the OTC market was originally a natural market, there was no regular organization and the trading method was not formalized. However, in many developed countries, the OTC market is being developed into a specific organizational market similar to the exchange market by institutionalizing the OTC market.

Listed stocks are invested in a variety of ways. For example, you can invest directly by looking at company information, buying and selling stocks, and how to join a fund operated by famous securities firms. In addition, brokerage firms make profits by using funds collected through funds.

However, unlisted stocks have the inconvenience of finding individual company information in order to buy and sell individual stocks, and there has been an inconvenience in dealing individually with stock owner owners for transactions.

It is difficult for investors to trust investors because they can not confirm the information or transaction performance of investors in order to entrust them to investors. As a result, investors have difficulty in securing investment amount.

Also, it is considered very risky to lend out the unlisted stocks as collateral. This is because unlisted stocks often have no reliable prices and are subject to restrictions on liquidity. Lenders will stick to the conservative method of valuing values very low because of the characteristics associated with these unlisted stocks. In the end, the borrower borrowed it as collateral, but the amount that can actually be liquidated is very small.

The problem to be solved by the present invention is to solve the problem that the relative profit based investment performance calculated based on the stock trading information of the evaluation target person such as the investor of the offshore stock and the relative calculated based on the composite index, Based on the investment performance of the investor, the rating scale for evaluating the stock investment credibility of the assessed person is used to determine the limit of the financial transaction at the time of mortgage lending or investment attraction. And to provide such a method.

The problems to be solved by the present invention are not limited to the above-mentioned problems, and other problems not mentioned can be clearly understood by those skilled in the art from the following description will be.

According to an aspect of the present invention, a stock trading and market information collecting unit for collecting stock trading information and stock market information of a person to be evaluated; Based on the absolute profit-based investment performance calculated based on the stock trading information of the person to be evaluated and the investment performance based on the relative profit calculated by associating the composite index, the index for each business type, the sales standard, and the similar company information, An evaluation rating calculator for calculating an evaluation rating for evaluating investment reliability; And an evaluation rating providing unit for providing the information communication terminal with the evaluation rank of the person to be evaluated together with the identification information of the person to be evaluated.

Wherein the rating rating calculator comprises: a first rating rating calculator for calculating a first rating rating by measuring a first investment performance based on stock trading gains on the basis of stock trading information of a person to be evaluated; A second rating rating calculation unit for calculating a second rating rating by measuring a second investment performance according to the difference between the first investment performance and the composite index, the index for each type of business, the sales standard, and the investment performance of the similar company; An application ratio calculating unit that calculates a third application ratio to be used for determining a financial transaction limit of the evaluation subject based on a first application ratio corresponding to the first evaluation class and a second application ratio corresponding to the second evaluation class .

Wherein the application ratio calculating unit calculates a third value by multiplying a first value obtained by subtracting a minimum value of the application ratio from a maximum value of the application ratio and a second value obtained by adding the application rate and the second application rate, A value obtained by multiplying a fourth value obtained by adding the minimum value of the application ratio to 100 may be calculated as the third application ratio.

The evaluation rating calculator may further include a third rating rating calculator for calculating a third rating rating for determining the financial transaction limit of the person to be evaluated in consideration of the first rating rating and the second rating rating.

Wherein the evaluation rating calculator classifies the items of the evaluation subject by the oversea market, the KOSPI, the KOSDAQ, and the Conex by the composite index, the index by industry, the sales standard, and the similar company, The investment performance based on the relative profit can be calculated by correlating the change rate with respect to the warehousing period and the warehousing period.

The evaluation rating calculator extracts companies in the range of -50% to 200% of the sales amount of the evaluation target company among the companies classified as the business based on the sales amount, and determines whether the same or similar products as the evaluation target company Companies that are over 40% of sales can be extracted.

The stock investment reliability evaluation system based on the stock investment performance may further include a financial transaction limit determination unit that determines the financial transaction limit of the evaluation subject based on the evaluation rating.

Wherein the financial transaction limit determining unit includes: an item collateral value calculating unit for calculating an item collateral value of an arbitrary stock item; And a security transaction limit determination unit for determining the security limit acceptable to the person to be evaluated by reflecting the third application rate of the evaluation subject to the calculated stock security value.

The financial transaction limit determining unit may include an investment management limit determining unit for determining the allowable amount of the investment allowable to the evaluation target person by reflecting the third application rate of the evaluation target person.

The financial transaction limit determining unit may include a loan application limit determining unit that determines the allowable loan application limit for the person to be evaluated by reflecting the third application rate of the person to be evaluated.

The stock trading and market information collecting unit collects the stock trading occurrence information of the evaluation subject and the stock input / output occurrence information from the securities company server, and collects information on the IRS trading report of the evaluation subject from the IRS server.

The stock trading and market information collecting unit collects the date and time of occurrence of entry and exit, the name of the item, the goods issue / receipt, the sale / purchase, and the quantity information at the time of generating the goods information of the evaluation subject from the securities company server and calculate the selling price .

The stock trading and market information collecting unit may calculate the estimated transaction price of the entry / exit date / time of the corresponding item as the selling price from the pre-stored daily transaction forecast value data.

The stock trading and market information collecting unit collects the transaction date / time, the name of the item, the goods issue / receipt, the sell / buy, the selling price, and the quantity information at the time of generating the transaction report information of the evaluation subject from the NTS server, Of the trading price of the corresponding item in the market, the trading price may be determined to be valid when the error range is within the set range.

The stock trading and market information collecting unit may adjust the reliability of the selling price according to the range of the error range.

According to another aspect of the present invention, there is provided a method for evaluating stock investment reliability based on stock investment performance, comprising: collecting stock trading information and stock market information of a subject to be evaluated by a stock trading and market information collecting section; Based on the absolute profit-based investment performance calculated based on the stock trading information of the person to be evaluated and the investment performance based on the relative profit calculated by associating the composite index, the index for each business type, the sales standard, and the similar company information, Calculating an evaluation rating for evaluating the stock investment reliability of the evaluation subject; And providing the evaluation grade of the evaluation subject person to the information communication terminal together with the identification information of the evaluation subject person by the evaluation grade provisioning device.

The stock investment reliability evaluation method based on the stock investment performance may further include determining a financial transaction limit of the evaluation subject based on the evaluation rating by the financial transaction limit determination unit.

According to the present invention, the relative profit-based investment performance, which is calculated based on the stock trading information of the evaluation target person such as the investor in the off-the-shelf stock market, and the relative profit based on the composite index, the index for each business type, The rating scale is used to evaluate the reliability of the stock investor considering the investment performance.

According to the evaluation level, it is possible to determine the financial transaction limit in the case of equity-linked loans or investments, thereby effectively evaluating and analyzing the stock investment reliability of the investor who specializes in overseas stocks.

In addition, according to the present invention, it is possible to evaluate the stock investment reliability of a subject to be evaluated based on an absolute profit-based investment performance and an investment performance based on relative profit based on the non-standardized method (credit rating, By using a formalized approach, additional lending limits can be made available to borrowers.

1 is a diagram for explaining a stock investment trust evaluation system based on stock investment performance according to an embodiment of the present invention.
2 is a diagram for explaining a stock investment reliability evaluation method based on stock investment performance according to an embodiment of the present invention.
3 is a view for explaining stock market collecting information in a stock investment trust evaluation system based on stock investment performance according to an embodiment of the present invention.
4 is a diagram for explaining stock market collecting information in a stock investment trust evaluation system based on stock investment performance according to an embodiment of the present invention.
5 is a diagram for explaining an evaluation rating calculating unit in a stock investment trustworthiness evaluation system based on stock investment performance according to an embodiment of the present invention.
6 is a diagram for explaining a financial transaction limit determination unit in a stock investment trust evaluation system based on stock investment performance according to an embodiment of the present invention.
FIG. 7 is a diagram for explaining an absolute profit-based rating in a stock investment trust evaluation system based on stock investment performance according to an embodiment of the present invention.
8 is a diagram for explaining an error range in a stock investment reliability evaluation system based on stock investment performance according to an embodiment of the present invention.
FIG. 9 is a diagram for explaining a combined profit rate in a stock investment trustworthiness evaluation system based on stock investment performance according to an embodiment of the present invention.
FIG. 10 is a diagram for explaining an evaluation rank based on relative profit in a stock investment trust evaluation system based on stock investment performance according to an embodiment of the present invention.
FIG. 11 is a view for explaining an evaluation level in a stock investment trust evaluation system based on stock investment performance according to an embodiment of the present invention.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram for explaining a stock investment trust evaluation system based on stock investment performance according to an embodiment of the present invention. 2 is a diagram for explaining a stock investment reliability evaluation method based on stock investment performance according to an embodiment of the present invention.

1, a stock investment trustworthiness evaluation system 100 based on stock investment performance according to an embodiment of the present invention communicates with an information communication terminal 10, a securities company server 20, and an IRS server 30 The rating scale for evaluating the stock investor's trustworthiness based on the absolute profit-based investment performance based on the stock trading information and the investment performance based on the relative profit by collecting stock trading information and stock market information of the subject, And various processors necessary for processing and communicating electronic signals and various data necessary for a service to be provided.

The information communication terminal 10 may be connected to the stock investment trust evaluation system 100, the securities company server 20, and the IRS server 30 via a communication network by wire / wireless so as to enable data transmission / reception.

The communication network is a communication network which is a high-speed period network of a large communication network capable of a large-capacity, long-distance voice and data service, and may be a next-generation wireless network including WiFi, Wibro, and Wimax for providing Internet or high-speed multimedia service.

The Internet includes many services that exist in the upper layer of the TCP / IP protocol such as Hyper Text Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (NFS), and Network Information Service (NIS), for example. The information communication terminal 10 provides an environment in which a person to be evaluated can be connected to the stock investment reliability evaluation system 100, the securities company server 20, and the IRS server 30. Meanwhile, the Internet may be a wired or wireless Internet, or may be a core network integrated with a wired public network, a local area network, a wireless mobile communication network, or a portable Internet.

If the communication network is a mobile communication network, it may be a synchronous mobile communication network or an asynchronous mobile communication network. As an embodiment of the asynchronous mobile communication network, a WCDMA (Wideband Code Division Multiple Access) communication network is exemplified. In this case, although not shown in the figure, the mobile communication network may include, for example, a Radio Network Controller (RNC) or the like. Meanwhile, although the WCDMA network is taken as an example, it may be a next generation communication network such as a 3G LTE network, a 4G network, and a 5G network, or an IP network based on other IPs. Such a communication network transmits signals and data between the information communication terminal 10 and the stock investment reliability evaluation system 100, the securities company server 20, and the IRS server 30 to each other.

The information communication terminal 10 is connected to the stock investment trust evaluation system 100, the securities company server 20 and the IRS server 30 through a communication network and is capable of using various types of Internet electronic commerce services, .

For example, the information communication terminal 10 includes various mobile terminals communicating through a wireless Internet or a portable Internet. In addition, the information communication terminal 10 may include a Palm PC, a smart phone, a mobile play-station, All of those having a user interface for accessing the stock investment reliability evaluation system 100 such as a DMB (digital multimedia broadcasting) phone having a communication function, a tablet PC, an iPad, a securities company server 20 and an IRS server 30 It can mean wired / wireless home appliances / communication devices in a comprehensive sense.

In particular, when the information communication terminal 10 is implemented as a general smartphone, unlike a general mobile phone (a so-called feature phone), a smart phone downloads various application programs desired by the user and freely uses It is a phone based on an open operating system that can be deleted. It has not only all the functions of voice / video call and Internet data communication, but also mobile phone with mobile office function It can be understood as a communication device including all Internet phones or Tablet PCs.

These smart phones can be implemented as smart phones with various open operating systems. Open operating systems include, for example, Symbian of NOKIA, BlackBerry of RIMS, iPhone of Apple, Microsoft's Windows Mobile, Google's Google Android, and Samsung's ocean.

As such, since the smartphone uses an open operating system, a user can arbitrarily install and manage various application programs, unlike a mobile phone having a closed operating system.

That is, the smartphone basically includes a control unit, a memory unit, a screen output unit, a key input unit, a sound output unit, a sound input unit, a camera unit, a wireless network communication module, a short-

The control unit is a general term for a functional configuration for controlling the operation of the smartphone, and includes at least one processor and an execution memory, and is connected to each functional unit included in the smart phone through a bus (BUS).

The controller controls the operation of the smartphone by loading at least one program code included in the smartphone into the execution memory through the processor, calculating the result of the calculation, and transmitting the result to the at least one functional component through the bus.

 The memory unit is a generic term of the nonvolatile memory included in the smartphone, and stores and maintains at least one program code executed through the control unit and at least one data set in which the program code is used. The memory unit basically stores a system program code and a system data set corresponding to the operating system of the smartphone, a communication program code and a communication data set for processing a wireless communication connection of the smartphone, at least one application program code and an application data set, The program code and the data set for implementing the present invention are also stored in the memory unit.

 The screen output unit is composed of a screen output device (e.g., LCD, LED device) and an output module for driving the screen output device. The screen output unit is connected to the control unit through a bus and outputs the calculation result corresponding to the screen output among various calculation results of the control unit to the screen output device .

 The key input unit comprises a key input device (or a touch screen device in cooperation with a screen output unit) having at least one key button and an input module for driving the key input unit. The control unit is connected to the control unit via a bus, Or inputs data necessary for the operation of the control unit.

The sound output unit is composed of a speaker for outputting a sound signal and a sound module for driving a speaker. The sound output unit is connected to the control unit through a bus, and outputs results of arithmetic operations corresponding to sound output among various operation results of the control unit through a speaker. The sound module decodes the sound data to be outputted through the speaker and converts it into a sound signal.

The sound input unit includes a microphone for receiving a sound signal and a sound module for driving the microphone, and transmits the sound data input through the microphone to the control unit. The sound module encodes and encodes a sound signal input through a microphone.

The camera unit is composed of an optical unit, a CCD (Charge Coupled Device) and a camera module for driving the CCD unit, and obtains bitmap data input to the CCD through the optical unit. The bitmap data may include both still image data and moving image data.

The wireless network communication module is a general term for a communication configuration for connecting wireless communication and includes at least one antenna, an RF module, a baseband module, and a signal processing module for transmitting and receiving a radio frequency signal of a specific frequency band. And transmits the calculation result corresponding to the wireless communication through the wireless communication among the various calculation results of the control unit or receives the data through the wireless communication and transmits the data to the control unit, The procedures of

Also, the wireless network communication module includes a mobile communication configuration that performs connection, location registration, call processing, call connection, data communication, and handoff to the mobile communication network according to the CDMA / WCDMA standard. Meanwhile, according to the intention of those skilled in the art, the wireless network communication module may further include a portable internet communication structure for performing at least one of connection to the portable Internet, location registration, data communication, and handoff according to the IEEE 802.16 standard. The present invention is not limited to the wireless communication configuration provided by the present invention.

The short-range wireless communication module is composed of a short-range wireless communication module for connecting a communication session using a radio frequency signal as a communication medium within a predetermined distance. Preferably, the short-range wireless communication module includes RFID communication, Bluetooth communication, Wi- And communication. Also, the short-range wireless communication module may be integrated with the wireless network communication module.

Meanwhile, the stock investment reliability evaluation system 100 based on the stock investment performance according to an embodiment of the present invention includes a stock trading and market information collection unit 110, an evaluation rating calculation unit 120, an evaluation rating providing unit 130, A financial transaction limit determination unit 140, and a data storage unit 150. [

Referring to FIG. 2, the stock trading and market information collecting unit 110 may collect stock trading information and stock market information of a person to be evaluated (S10).

The evaluation level calculation unit 120 calculates the investment performance based on the absolute profit based on the stock trading information of the person to be evaluated and the relative performance based on the relative profit based on the composite index, The evaluation level for evaluating the stock investment reliability of the subject to be evaluated can be calculated (S20).

The evaluation classifier 120 can provide the evaluation rank of the evaluation subject to the information communication terminal 10 together with the identification information of the evaluation subject (S30).

The financial transaction limit determining unit 140 can determine the financial transaction limit of the evaluation subject based on the evaluation level (S40).

Hereinafter, a stock trading and market information collecting unit 110, an evaluation rating calculating unit 120, an evaluation rating providing unit (not shown) constituting the stock investment reliability evaluation system 100 based on the stock investment performance according to an embodiment of the present invention, 130, the financial transaction limit determination unit 140, and the data storage unit 150 will be described in detail.

The stock trading and market information collecting unit 110 collects stock trading information of the person to be evaluated.

The stock trading and market information collecting unit 110 can collect stock trading information of the evaluation subject, and information on stock entry / exit occurrence from the securities company server 20. The stock trading and market information collecting unit 110 may collect information on the IRS trading report from the IRS server 30.

The stock trading and market information collecting unit 110 collects information on the date and time of occurrence of entry and exit, the name of the item, the goods issue / receipt, the sale / purchase, and the quantity information at the time of generating information on the goods to be evaluated from the securities company server 20, Can be calculated.

Here, the stock trading and market information collecting unit 110 may calculate the transaction expected price of the entry / exit occurrence date / time of the corresponding item as the selling price from the pre-stored daily transaction forecast value data.

The stock trading and market information collecting unit 110 can collect the transaction date / time, the name of the item, the goods / goods receipt, the selling / buying, the selling price, and the quantity information at the time of generating the sales report information of the evaluation subject from the IRS server 30 have. At this time, the stock trading and market information collecting unit 110 may determine that the selling price is valid when the error range is within a set range in comparison with the transaction standard price of the corresponding stock on the stock trading date.

The stock trading and market information collecting unit 110 can adjust the reliability of the selling price according to the range of the error range.

3 is a view for explaining stock market collecting information in a stock investment trust evaluation system based on stock investment performance according to an embodiment of the present invention. 4 is a diagram for explaining stock market collecting information in a stock investment trust evaluation system based on stock investment performance according to an embodiment of the present invention.

3 and 4, the stock trading and market information collecting unit 110 may collect various stock market information from the securities company server 20. Stock market information may include composite index, industry index, sales basis, and similar company information.

For example, the stock trading and market information collecting unit 110 may collect stock market information of companies in the range of -50% to 200% of the sales amount of the evaluated companies among companies classified as sales based on sales.

For example, the stock trading and market information collecting unit 110 may collect stock market information of companies having the same or similar products as the evaluation target companies, which are equal to or more than 40% of the total sales, based on extraction standards of similar companies.

The evaluation rating calculator 120 calculates an evaluation rating for determining the financial transaction limit of the person to be evaluated. The evaluation grade is calculated by taking into consideration the absolute profit-based investment performance and the relative profit-based investment performance.

The absolute return-based investment performance is calculated based on the stock trading information of the person to be evaluated. Here, the first rating is calculated.

Investment performance based on relative profit is calculated by associating composite index, industry index, sales basis, and similar company information. Here, the second rating is calculated.

The evaluation class calculating unit 120 classifies the items of the evaluation target by the general index, the index for each business type, the sales standard, and the similar company for each OTC market, KOSPI, KOSDAQ, and Conex.

For example, the evaluation-level calculating unit 120 can extract companies in the range of -50% to 200% of the sales amount of the evaluation target company among the business-classified business units based on the sales amount.

For example, the evaluation-grade calculating unit 120 can extract companies having the same or similar products as the evaluation target company, which are 40% or more of the total sales, based on extraction standards of similar companies.

The evaluation level calculating unit 120 may calculate the investment performance based on the relative profit based on the composite index, the index for each business type, the sales standard, and the similar company, with the reflection ratio being set for each company.

5 is a diagram for explaining an evaluation rating calculating unit in a stock investment trustworthiness evaluation system based on stock investment performance according to an embodiment of the present invention.

5, the evaluation-grade computing unit 120 includes a first evaluation-rating computing unit 121, a second evaluation-rating computing unit 122, an application-ratio computing unit 123, a third evaluation-rating computing unit 124 ).

The first rating rating calculator 121 calculates the first rating rating of the person to be evaluated. The first rating is calculated by measuring the first investment performance according to the trading profit of each subject. The first investment performance means the investment performance based on the trading profit of each stock based on the stock trading information of the subject to be evaluated.

The second rating rating calculator 122 calculates the second rating rating of the person to be evaluated. The second rating is calculated by measuring the second investment performance of the person to be evaluated. The second investment performance refers to the investment performance according to the difference between the first investment performance and the composite performance index, industry index, sales value, and investment performance of similar companies.

The application ratio calculating unit 123 calculates a third application ratio to be used for determining the financial transaction limit of the person to be evaluated. The third application rate is calculated based on the first application rate corresponding to the first rating level and the second application rate corresponding to the second rating level.

For example, the application ratio calculating unit 123 obtains a third value by multiplying a first value obtained by subtracting the minimum value of the application ratio from the maximum value of the application ratio, and a second value obtained by adding the first application ratio and the second application ratio , A value obtained by multiplying the third value and the fourth value obtained by adding the minimum value of the application ratio to 100 can be calculated as the third application ratio.

The third rating rating calculator 124 calculates the third rating rating of the person to be evaluated. The third rating is a rating determined to determine the financial transaction limit of the person to be assessed. The third rating is determined in consideration of the first rating and the second rating.

The evaluation classifier 130 may provide the evaluation rank of the evaluation subject person to the information communication terminal 10 together with the identification information of the evaluation subject person.

The financial transaction limit determining unit 140 may determine the financial transaction limit of the evaluation subject based on the evaluation level.

6 is a diagram for explaining a financial transaction limit determination unit in a stock investment trust evaluation system based on stock investment performance according to an embodiment of the present invention.

6, the financial transaction limit determining unit 140 includes a stock collateral value determining unit 141, a secured transaction limit determining unit 142, an investment management limit determining unit 143, and a loan application limit determining unit 144).

The stock collateral value determination unit 141 determines the stock collateral value for any stock item.

The secured transaction limit determining unit 142 determines a permissible secured transaction limit for the person to be evaluated. In this case, the collateral limit is determined by reflecting the third application rate of the evaluator to the collateral value of the calculated stock. In other words, the collateral limit is the collateral limit reflecting the investment performance.

 The investment management limit determining unit 143 determines a limit of the amount of investment allowable to the evaluation target person. The limit of investment attraction can be determined by reflecting the third application rate of the person to be evaluated.

The loan application limit determining unit 144 determines the allowable loan application limit for the person to be evaluated. The loan application limit can be determined by reflecting the third application rate of the person to be evaluated.

Hereinafter, a method of determining a loan limit for a lender who wishes to borrow an out-of-stock loan using a stock investment reliability evaluation method based on the stock investment performance according to an embodiment of the present invention will be described.

Here, it is desirable that the applicant wishes to have a history of trading off-the-shelf stocks in the past.

According to an embodiment of the present invention, the stock investment reliability evaluation method based on the stock investment performance can be used to calculate a standardized loan limit based on past investment performance and to evaluate the stock investment trust of the subject to be evaluated as numerical data This is possible.

For example, a borrower who wishes to securitize highly privately held stocks as collateral can draw a high degree of securitization based on the stock investment credibility of the borrower.

Compared with the method of calculating the loan limit by the stock investment reliability evaluation method based on the stock investment performance according to the embodiment of the present invention, the calculation method of the loan limit of the non-standardization method is the same as that of the non- Based on the intrinsic value of the loan.

For example, if a unlisted stock of A shares can be loaned with a 30% to 50% mortgage rate, the mortgage rate at a 30% to 50% mortgage rate through an informal method (credit rating, Can be estimated.

However, even if the method of calculating the loan ceiling (credit rating, past transaction history, etc.) of the informal scheme is applied, the loan price is calculated to be closer to 30% than the actual 50%. This is due to the risk of unlisted stocks.

Therefore, the stock investment reliability evaluation method based on the stock investment performance according to the embodiment of the present invention is based on the following. That is, the method of evaluating the stock investment reliability according to the embodiment of the present invention is to break away from this informal method (credit rating, And the investment performance of the investor, the evaluation of the stock investor's trustworthiness of the evaluation of the standardized method is used to allow the lender to borrow additional limits.

At this time, the additional loan portion is calculated based on the transaction history. Therefore, the applicant for the loan should have a history of selling and selling unlisted stocks in the past. If the applicant wishes to buy or sell past B stock, he / she should submit a record of receipt or shipment to the Internal Revenue Service. This is because the National Tax Service needs this record for the purposes of identifying the securities transaction tax and the transfer tax. In addition, these records will remain even if the securities company transfers or pays them to others.

Accordingly, the present invention grasps the past absolute return of the borrower through the warehouse / receipt history and transaction history of the securities company submitted to the Internal Revenue Service, obtains the relative return rate based on the comparison index of the item B stored in the DB, Investors (lenders) can be categorized and the additional loans that follow can be automatically determined.

In the method of calculating the loan limit by the stock investment reliability evaluation method based on the stock investment performance according to the embodiment of the present invention, the evaluation grade is calculated based on the absolute profit and the relative profit of the professional investor wishing to borrow.

The history of trades conducted by professional investors who wish to lend can be used to gauge the success of investment and the probability of future investment success. And the more data there is, the more reliable the rating will be. This part represents an absolute return-based investment performance.

However, in order to accurately estimate the additional loan amount of professional investors who have successfully implemented the meaning of stock investment reliability evaluation and wish to lend, it is necessary to reflect investment performance based on absolute profit and investment performance based on relative profit.

FIG. 7 is a diagram for explaining an absolute profit-based rating in a stock investment trust evaluation system based on stock investment performance according to an embodiment of the present invention.

Referring to FIG. 7, in the case of the absolute profit rate, if the profit rate (annual conversion) based on the past trade is more than 100%, the number of added points can be 50%. However, since there is a risk that the transaction of unlisted stocks will be transformed into an action to receive additional loans, the transaction price of the goods issue / receipt can be calculated based on the off-market price of the relevant date.

8 is a diagram for explaining an error range in a stock investment reliability evaluation system based on stock investment performance according to an embodiment of the present invention.

Referring to FIG. 8, the margin of error in reliability can take the form of minus 5% per 1% of the selling price.

For the relative return, it has a more complex structure than the absolute return. The relative rate of return can be defined as the formula of relative rate of return = absolute rate of return - combined rate of return.

 FIG. 9 is a diagram for explaining a combined profit rate in a stock investment trustworthiness evaluation system based on stock investment performance according to an embodiment of the present invention.

Referring to FIG. 9, the combined profit rate of the relative rate of return (total rate of change) is calculated by a combination of the composite index extracted from the market (KOSPI), KOSDAQ and KONEX market, the index of each industry extracted from the composite index, , And the similarity index extracted from the sales index. Each index can be calculated as the rate of change (annualized) in proportion to the period of entry / exit performed by a professional investor wishing to make a loan.

(Arithmetic mean) of the OECD, KOSPI, KOSDAQ, and Cornex indexes are calculated by the total composite index, and the arithmetic average of the sector indexes (out of bounds, KOSPI, KOSDAQ, and Conex) The total index can be calculated by the same method for the index and the change in the total similarity index.

This total index can be easily evaluated as a comparative company that traded in the order of "similar companies> sales> business> total". The composite index is a comprehensive indicator of the index (and thus includes all companies), and the index is a measure of the companies that represent the industry in the composite index. Are compressed into companies that produce the same product, the more likely they are extracted by similar companies, the more likely they are to show a similar rate of change to the stocks traded in the past.

As the composite index, the index for each business, the index for sales, and the index for similarity index are 40% ~ 10%, the similarity index becomes 40% And the composite index is the lowest at 10%.

This enables the professional investor (loan applicant) to extract the unique profit of the company invested during the past period.

As a result, the relative rate of return, which is the sum of the absolute return and the combined yield, can be an indicator of the true investment capability of the professional investor (lender).

On the other hand, it has been tried to extract similar companies in the over-the-counter market, KOSPI, KOSDAQ, and Conex for arbitrary OTC stocks, but there may be cases where the same or similar products do not exist.

For example, there are similar companies that were recently extracted from KOSPI and KOSDAQ in the major categories, but when similar companies do not exist in OTC market and Conex, they can be calculated by reflecting only similar companies of KOSPI and KOSDAQ. At this time, it is preferable to apply the same ratio.

Likewise, if the sector index does not have an over-the-counter market, only the sector indexes of KOSPI, KOSDAQ, and Conex are extracted and calculated. At this time, it is preferable to apply the same ratio.

ex) Similar companies 40% *

ex) Sector index reflectance ratio 20% * * Conex industry (0.33)

FIG. 10 is a diagram for explaining an evaluation rank based on relative profit in a stock investment trust evaluation system based on stock investment performance according to an embodiment of the present invention.

Referring to FIG. 10, the relative profit rate and the absolute profit rate can be added up to 50%.

If a professional investor (loan applicant) who has an absolute return rate of 50% and a relative return rate of 50% is to receive a loan at a mortgage rate of 50% .

Thus, according to the informal calculation of the loan ceiling, it can be seen that the loan limit has increased by about 20%, considering that a nominally 30% to 50% collateral ratio is actually set to a collateral ratio close to 30%.

FIG. 11 is a view for explaining an evaluation level in a stock investment trust evaluation system based on stock investment performance according to an embodiment of the present invention.

Referring to Fig. 11, the third evaluation rating is a value obtained by dividing the sum of the first evaluation rating and the second evaluation rating by two. Here, the first rating means an absolute profit-based absolute rating, and the second rating means an relative profit-based relative rating.

Here, it is preferable that the application ratio is separately reflected in the application ratio. For example, if the first rating class (absolute rating) is 1 and the second rating class (relative rating) is class 3, then the application ratio corresponding to class 1 in the first rating class is 50% The number of points of addition corresponding to the third grade in the category is 40%. Therefore, a total of 90% of additional loans can be made by adding 50% of the first grade of the first grade to 40% of the third grade of the second grade.

If the applicable ratio of stocks is at least 40% and the maximum is 60%, the final application rate is [(0.2) * 0.9) +0.4] * 100 = 58%.

Where 0.2 is the application rate variable minus the minimum application rate of 40% from the maximum application rate of 60%. Here, 0.9 is the application rate of the first rating grade plus 50% plus the second rating grade application rate of 40%. Here 0.4 means the minimum application rate of 40%.

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined by the appended claims. Accordingly, the true scope of the present invention should be determined by the following claims.

For example, although the above-described embodiments have been described with respect to off-the-shelf stocks, the present invention can be applied to a listed stock or a stock in the market without limitation.

In addition, the stock investment trust evaluation system and the method based on the stock investment performance according to an embodiment of the present invention can appropriately link stock-secured loans, peer-to-peer loans and cloud funding through Internet- , Which can be used as a collateral for holding stocks, such as stocks held in the stock market, and investors who have invested money can use the stock-based peer-to-peer financing It is applicable to the implementation of technical service.

To this end, in order to provide stock investment reliability information based on the stock investment performance, the stock investment reliability evaluation system based on the stock investment performance according to an embodiment of the present invention uses various data for a peer-to- A financial technical service device configured to perform processing and communication of electronic signals, or an advisory support server, or financial support server.

Here, the financial technology service apparatus can be linked with an advisory support server, a financial support server, a loan applicant terminal, an investor terminal, and a storage support server through a wired / wireless communication network.

A financial technology service device in which a stock investment reliability evaluation system based on stock investment performance according to an embodiment of the present invention can be implemented or interlocked can be used for a peer-to-peer financial technology service using a stock collateral of a P2P-based financial technology service company And various processors for processing and communicating various data and electronic signals.

To this end, the financial technology service device includes a processor for storing various kinds of data necessary for carrying out the process of executing the loan with the stock withdrawal certificate as collateral, As shown in FIG.

In addition, a financial technology service device in which a stock investment trust evaluation system based on stock investment performance according to an embodiment of the present invention can be implemented or interlocked includes an investment adviser who performs evaluation of stock collateral based on a P2P-based financial technology service company, And a processor for processing and communicating various data and electronic signals required to perform an affiliate business with an affiliated financial institution performing a interest and principal repayment procedure.

In addition, a financial technology service device in which an equity investment reliability evaluation system based on the stock investment performance according to an embodiment of the present invention is implemented or interlocked can be classified into a cash advancer who desires to borrow a stock held by a lender, To-peer-to-peer financial technology service using a P2P loan method by investing in an investor who wants to invest in a cloud funding system, and a processor for processing and communicating various data and electronic signals required to perform a peer-to- .

The consulting support server, which is implemented or interoperable with the stock investment reliability evaluation system based on the stock investment performance according to an exemplary embodiment of the present invention, calculates the collateral value for the requested stock collateral executed by the investment adviser, And various processors for performing processing and communication of various data and electronic signals to be provided to the company.

The advisory support server, which can be implemented or interlocked with the stock investment reliability evaluation system based on the stock investment performance according to the embodiment of the present invention, can be used in various ways, for example, in the case of a company having a negative net profit, Quantitative and qualitative values can be measured through company visits.

The consulting support server, which can be implemented or interoperable with the stock investment reliability evaluation system based on the stock investment performance according to the embodiment of the present invention, uses the correlation between the debt ratio and the default rate as the data of the accumulated unlisted stocks, The probability of the bankruptcy of the enterprise can be calculated.

The financial support server, which is implemented or interlocked with the stock investment reliability evaluation system based on the stock investment performance according to an embodiment of the present invention, performs processing and communication of various data and electronic signals for the financial service performed in the affiliated financial institution And the like.

For this purpose, the financial support server can be composed of processors for processing and communicating various data and electronic signals required for the investment money from the investor who has been approved by the P2P-based financial technology service company for the investment by the partner financial institution have.

In addition, the financial support server in which the stock investment trust evaluation system based on the stock investment performance according to the embodiment of the present invention is implemented or interlocked with the financial support server may be provided to the loan applicant who is approved by the P2P- And a processor for executing the loan and performing processing and communication of various data and electronic signals required to perform the interest and principal repayment procedures periodically or irregularly from the loan applicant.

In addition, the financial support server in which the stock investment reliability evaluation system based on the stock investment performance according to an embodiment of the present invention is implemented or interlocked can be configured to periodically or irregularly allocate the interest on the investment to the investor, And a processor for performing processing and communication of various data and electronic signals required to proceed with returning the investment to the investor when the investment period expires.

The financial technology service device in which the stock investment trustworthiness evaluation system based on the stock investment performance according to an embodiment of the present invention is implemented or interlocked can receive the mortgage loan application information for applying for the loan with the stock from the loan applicant terminal as collateral can do.

To this end, the financial technology service device can communicate with the loan applicant terminal and provide the loan applicant terminal with screen information for receiving the loan application information from the loan applicant terminal.

The financial technology service device may transmit the collateral evaluation request information to the advisory support server for the securities provided as collateral. To this end, the financial technology service device can generate the collateral evaluation request information based on the mortgage application information input from the loan applicant terminal.

The stocks provided as collateral here may be shares held by the lender or may be shares held by a third party. The stock to be pledged may preferably be an off-market stock, but the present invention is not limited thereto, and listed stock traded on the market may be pledged as collateral.

A financial technology service device in which a stock investment reliability evaluation system based on stock investment performance according to an embodiment of the present invention is implemented or interlocked can receive an investment application signal from an investor terminal. To this end, the financial technology service device may communicate with the investor terminal and provide the investor terminal with screen information for receiving investment application information from the investor terminal.

The cash assets invested here may be the cash assets held by the investor or the cash assets held by the third party.

Types of loans include stock purchase loans and equity-linked loans. There are two types of loan repayment schemes: principal repayment maturity repayment method, principal repayment method and monthly interest payment method.

The advisory support server, which can be implemented or interlocked with the stock investment reliability evaluation system based on the stock investment performance according to the embodiment of the present invention, receives the stock valuation evaluation request signal from the financial technology service device and performs evaluation of the stock collateral And the evaluation result data can be returned to the financial technology service device.

The advisory support server in which the stock investment reliability evaluation system based on the stock investment performance according to an embodiment of the present invention is implemented or interlocked can be configured to calculate the collateral value for the collateral based on the collateral evaluation request signal received from the financial technology service device Can be calculated. The collateral value result information calculated by the advisory support server can be provided to the financial technical service device.

The advisory support server can execute various scenario accessing processes for unlisted stocks to generate the bankruptcy probability information of the corresponding company.

The advisory support server may generate risk management information for the requested out-of-stocks. Risk management information is generated by evaluating the value of the collateral against the stocks that have been commissioned. The risk management information may include information on the mortgage rate change that is grasped in real time.

The financial support server can perform the financial transaction process of communicating with the investor terminal of the investor who has accepted the investment application and depositing the investment money.

The financial support server in which the stock investment trustworthiness evaluation system based on the stock investment performance according to an embodiment of the present invention is implemented or interlocked can perform a loan progress process for a lender who is approved for lending by the financial technology service device, It is possible to carry out the process of depositing the loan to the deposit account designated by the loan applicant. To this end, the financial support server communicates with the financial technical service device, and the financial technical service device receives and stores the deposit account information included in the secured loan application information received from the loan applicant terminal. In addition, the financial support server may perform the interest and principal repayment process periodically or irregularly by communicating with the lender applicant terminal of the loan applicant.

Similarly, the financial support server can perform a financial transaction process in which an investor depositing the investment deposits the interest into the designated deposit account. To this end, the financial support server communicates with the financial technical service device, and the financial technical service device receives and stores the deposit account information included in the investment application information received from the investor terminal. The financial support server can perform a financial transaction process in which the investment is returned to the investor's account when the investment period expires.

A peer-to-peer financial technology service method using a stock collateral that can be implemented or interoperable with a stock investment trustworthiness evaluation system based on stock investment performance according to an embodiment of the present invention can be implemented as follows.

The financial technology service device in which the stock investment trustworthiness evaluation system based on the stock investment performance according to an embodiment of the present invention is implemented or interlocked can receive the stock mortgage application information from the loan applicant terminal.

The information on the equity loan application may include the name of the stock, the number of shares, the desired amount of the loan, the deposit account number, the name, the telephone number, the e-mail address,

Here, the collateral evaluation rating may include the stock investment trustworthiness rating of the lender who is calculated and granted by the collateral evaluation process of the financial technical service device. The stock investment credibility rating is calculated by dividing the first evaluation grade based on the absolute profit based on the return on the stock information of the applicant of the loan and the second evaluation grade based on the relative profit based on the first evaluation grade, And may include a third evaluation grade calculated based on the evaluation ratings.

The financial technology service device in which the stock investment trustworthiness evaluation system based on the stock investment performance according to an embodiment of the present invention is implemented or interlocked may perform the loan examination process based on the stock mortgage application information received from the loan applicant terminal .

The loan review process may include loan demand forecasts. Demand forecasting for loan demand forecasting The investment possible fund aggregation process using P2P platform can be executed. According to the demand forecast result, the lendable notification message or the lending disabled notification message may be transmitted to the lenders terminal.

The loan applicant terminal can access the integrated securities network and perform the real-lot stock issue process.

For the stock physical release process, the lenders' terminal can access the integrated securities network, select securities, and apply for physical delivery. The lender applicant terminal designates the actual shipment quantity selection information and the actual shipment date to complete the actual shipment application. Accordingly, the real goods issue can be executed.

The financial technical service device receives the securities physical object submission completion message from the loan applicant terminal. To this end, the loan applicant terminal can receive an input signal from the loan applicant to confirm that it has completed the submission of the securities object. Here, the real thing of securities can be, for example, a stock withdrawal certificate. The stock withdrawal certificate may be a registered or non-registered bond.

A financial technology service device in which a stock investment trustworthiness evaluation system based on stock investment performance according to an embodiment of the present invention is implemented or interlocked can perform a security certification process for a real object of securities. The financial technology service device may carry out the collateral article receipt process for the securities real. The financial technology service device can perform the loan amount payment process. The financial technology service device is capable of performing a due date expiration process. The financial technology service device may perform the process of returning the security object.

Claims (17)

A stock trading and market information collection unit collecting stock trading information and stock market information of the subject to be evaluated;
Based on the absolute profit-based investment performance calculated based on the stock trading information of the person to be evaluated and the investment performance based on the relative profit calculated by associating the composite index, the index for each business type, the sales standard, and the similar company information, An evaluation rating calculator for calculating an evaluation rating for evaluating investment reliability;
An evaluation class providing unit for providing the information communication terminal with the evaluation rank of the evaluation subject person together with the identification information of the evaluation subject person; And
And a financial transaction limit determining unit for determining a financial transaction limit of the evaluation subject based on the calculated evaluation value of the absolute profit base and the relative profit based investment performance
Stock Investment Reliability Evaluation System Based on Stock Investment Performance.
2. The apparatus according to claim 1, wherein the evaluation-
A first rating rating calculator for calculating a first rating rating by measuring a first investment performance based on the trading gains of each stock based on the stock trading information of the person to be evaluated;
A second rating rating calculation unit for calculating a second rating rating by measuring a second investment performance according to the difference between the first investment performance and the composite index, the index for each type of business, the sales standard, and the investment performance of the similar company;
An application ratio calculating unit that calculates a third application ratio to be used for determining a financial transaction limit of the evaluation subject based on a first application ratio corresponding to the first evaluation class and a second application ratio corresponding to the second evaluation class A system for evaluating the stock investment reliability based on the performance of stock investment.
The apparatus according to claim 2,
A third value is obtained by multiplying a first value obtained by subtracting the minimum value of the application ratio from a maximum value of the application rate and a second value obtained by adding the first application ratio and the second application ratio to obtain a third value, And calculating a value obtained by multiplying the fourth value by 100 by the third application ratio.
3. The method of claim 2,
And a third evaluation class calculating unit for calculating a third evaluation class for determining the financial transaction limit of the evaluation subject in consideration of the first evaluation class and the second evaluation class, system.
The apparatus according to claim 1, wherein the evaluation-
The stock index is divided into the above-mentioned composite index, the index for each industry, the above-mentioned sales amount, and the similar companies for each stock market, the over-the-counter market, the KOSPI, the KOSDAQ, and the Conex, Based on the investment performance of the stock based on the relative profit.
6. The apparatus of claim 5, wherein the evaluation-
Among the companies classified as business categories based on sales figures, companies in the range of -50% to 200%
A system for evaluating stock investment reliability based on stock investment performance that extracts companies whose same or similar products are equal to or more than 40%
delete 3. The financial transaction terminal according to claim 2,
A collateral value calculation unit for calculating the collateral value of a stock for any stock item; And
And a mortgage transaction limit determination unit for determining the mortgage limit acceptable to the person to be evaluated by reflecting the third application rate of the person to be evaluated to the calculated mortgage value of the stock based on the stock investment performance.
3. The financial transaction terminal according to claim 2,
And an investment management limit determining unit that determines a limit on the amount of the investment allowable to be allowed to the evaluation target person by reflecting the third application rate of the evaluation target person based on the stock investment performance.
3. The financial transaction terminal according to claim 2,
And a loan application limit determining unit for determining a limit for application of the loan to the evaluation target person by reflecting the third application rate of the evaluation target person based on the stock investment performance.
The system according to claim 1, wherein the stock trading and market information collecting unit
A system for evaluating stock investment reliability based on stock investment performance, which collects information on occurrence of stock trading of the subject to be evaluated from the securities company server and information on occurrence of stock outflow and collects information on the NTS information on the subject from the IRS server.
The system according to claim 11, wherein the stock trading and market information collecting unit
The stock investment reliability evaluation system is based on the stock investment performance, which collects information on the date and time of occurrence of entry and exit, the name of item, the goods issue / receipt, sell / buy, quantity information,
The system according to claim 11, wherein the stock trading and market information collecting unit
The stock investment reliability evaluation system based on the stock investment performance that estimates the expected transaction price of the date / time of occurrence /
The system according to claim 11, wherein the stock trading and market information collecting unit
The transaction date / time, the name of the item, the goods issue / receipt, the selling / buying, the selling price, and the quantity information are collected from the NTS server when the transaction report information of the evaluation subject is generated and compared with the transaction standard price A system for evaluating equity investment reliability based on stock investment performance, where the margin of error is determined to be valid when the margin is within the set range.
15. The system according to claim 14, wherein the stock trading and market information collecting unit
And the stock investment reliability evaluation system based on the stock investment performance that adjusts the reliability of the selling price according to the range of the error range.
As a method for assessing stock investment reliability based on stock investment performance,
Collecting stock trading information and stock market information of the person to be evaluated by the stock trading and market information collecting unit;
Based on the absolute profit-based investment performance calculated based on the stock trading information of the person to be evaluated and the investment performance based on the relative profit calculated by associating the composite index, the index for each business type, the sales standard, and the similar company information, Calculating an evaluation rating for evaluating the stock investment reliability of the evaluation subject;
Providing the evaluation class of the evaluation subject person to the information communication terminal together with the identification information of the evaluation subject person by the evaluation class provisioning; And
Determining a financial transaction limit of the evaluation subject based on the evaluation rating by a financial transaction limit determination unit
A Method for Evaluating Stock Investment Reliability Based on Stock Investment Performance.
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