KR20020007529A - System and method for consulting and trading financial services - Google Patents

Abstract

PURPOSE: A system and method for suggesting a financial commodity investment and mediating a reverse-auction are provided to respond to fund information, requesting contents, a financial market condition of an investor by suggesting an investment portfolio based on personal information as an inclination of an investor and an investment principle and suggesting an investment suggesting consulting service among many small classified areas in accordance with an investor and selecting and suggesting an individual commodity item each institution in a small sized classified financial commodity group on a network. CONSTITUTION: Financial commodity investment information including a large classified financial commodity group to be invested and an additional requesting item in accordance with investment fund information and an investment financial commodity group is received from an investor(S24). The inputted information and a financial market condition called from a pre-constructed financial market condition database are analyzed, and a middle and small sized classified financial commodity group adapted to the investor is selected and suggested to the investor(S26). A transaction possible financial commodity list with respect to middle and small sized classified financial commodity group selected by the investor is supplied to the investor(S60). Information of the investor is transmitted to a financial institution selling the selected financial commodity out of the financial list supplied to the investor(S70).

Description

System and method for consulting and trading financial services

The present invention relates to consulting on financial products and reverse auctioning of financial products. More particularly, the present invention proposes a small-class financial products re-tech portfolio according to individual propensity and financial conditions on the network, and is suitable for the financial situation and investment purpose of investors. The present invention relates to a system and method for providing consulting on subcategories and providing financial instruments handled by each institution in the subcategories, and brokering reverse auction sales for financial instruments desired by investors.

This concept combines a customized informational business model that provides personal and market-specific financial information and a reverse auction business model, which is one of the intermediary business model areas. It can be used as a solution for operating a comprehensive financial product brokerage site that provides financial information and brokers financial products between investors and institutions.

The present invention analyzes the investment propensity and investment principles of investors exposed to the risks of stock investments, thus directing the investments of direct investors to various indirect financial instruments and banks and insurance products with relatively low risks. We started with a strategic view to minimize and maximize profits.

In this regard, when the stock market is booming, we propose to customers a group of indirect investment products with relatively high profitability, and when the stock market is in a recession, we propose a group of financial products with high security and stability. The focus is on the construction of a product portfolio that takes into account the company's profitability and profitability, but it is also a portfolio that fully considers the economic conditions such as market interest rates and bond interest rates in selecting investment products.

Internet sites that provide financial advice or financial auctions already exist.

Among them, the internet specialized web site focuses on diagnosing the propensity and investment portfolio of investors and delivering the investment guidance to the customers. Investor's position, even if they accept the diagnosis of their own propensity and investment portfolio, there was no site-level process to solve this problem, so they had to use a separate internet site. In addition, the results of financial analysis provided by the financial market are separated, and when a customer selects a specific area of the financial market, it provides only a comparison service between financial products within a specific area range, that is, a small category financial product. In addition, financial market conditions were not reflected.

Existing internet financial transaction brokerage sites mainly aim to reverse auction of financial products. When applying for reverse auctions for each financial product group, the investors' requirements for each product group are entered. This site not only supports reverse auctions for various financial products in relation to reverse auctions, but also displays the credit ratings of each financial institution based on variables such as BIS, and has financial product information handled by each financial institution. It also supports searching for.

However, in this case, the process of suggesting financial re-interest between investors in financial instruments is weak, and there is strong aspect of brokering transactions between financial institutions and investors about products. Therefore, there is little room for investors to consider investing in financial products between financial sectors. In other words, the investor must not only select each reverse auction category, but also its specific savings product. For example, if you choose to reverse deposit auctions, investors should also select specific products, such as savings, fund raising, tax exemptions, and tax breaks, but if you do not have enough knowledge related to this classification, You will be hesitant to choose. In this case, it was necessary to provide a process for recommending product groups in the small and medium classification stages through certain algorithms within the system to help investors in decision making that lack the basis for judgment.

In addition, in the case of the conventional financial reverse auction, there is a problem in that the basic information of investors is uniformly disclosed to various financial product providers. This obscures the basic purpose of reverse auctions of customer choice of products and suppliers, and it was necessary to introduce a true reverse auction concept where only the financial institution selected by the customer could contact the customer even if several financial institutions participated in the auction.

The present invention is to solve the above problems, the object of the present invention is to propose an investment portfolio based on personal information, such as the investor's propensity and investment principle on the network, but at the request of the investor, In addition to offering investment proposal consulting services among sub-categories, the company also selects and presents individual product units handled by each institution in the sub-category financial product group, reflecting the investor's financial information, requirements, and financial conditions. It is to provide a system and method for intermediary to buy by reverse auction.

1 is a block diagram of a financial product investment proposal and reverse auction mediation system according to an embodiment of the present invention.

Figure 2 is a investment product selection model according to risk, expected return rate and financial market

3 is a flowchart of a financial product investment proposal and reverse auction brokering method according to an embodiment of the present invention.

The present invention for realizing the object as described above proposes a small class of financial products and financial products that are most suitable for individual investors on the network, and in the system for brokering the trading of financial products between the investors and financial institutions, investing from investors Analyzing financial product information, including financial product group information, investment fund information, and additional requirements according to the investment financial product group, and financial market information called from a pre-established financial market database. Select a product group and propose it to the investor, and provide the investor with a list of tradeable financial products belonging to the financial product group selected by the investor from the proposed financial product group, and select the financial product selected by the investor from the list of financial products provided to the investor. It includes a financial product investment proposal and reverse auction brokerage system for transmitting the information of the investor to the selling financial institution.

In addition, receiving financial product investment information, including financial product group to be invested, investment fund information and additional requirements according to the investment financial product group from the investor, financing called from the data input in the step and the pre-built financial market database Analyzing market information, selecting a small class financial product group most suitable for the investor, and providing the investor with a list of financial products that can be traded for the financial product group selected by the investor from the proposed financial product group; It provides a financial product investment proposal and reverse auction brokering method comprising the step of transmitting the information of the investor to a financial institution that sells the financial product selected by the investor from the list of financial products provided to the financial product.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings that can be easily implemented by those skilled in the art.

1 is a block diagram of a financial product investment proposal and reverse auction mediation system according to an embodiment of the present invention.

As shown in FIG. 1, the financial product investment proposal and reverse auction brokering system 400 according to the present invention provides a client computer 100 and a financial product of a plurality of investors through a wired / wireless network 200 including the Internet. The communication path is established with the computer system 300 of each financial institution.

The investor client computer includes a web browser 110 or a program for investing in financial products and reverse auctions according to the present invention. The investor receives the web page 112 and other data transmitted from the financial consulting system through the web browser, etc., and inputs necessary information to the financial consulting system. Those skilled in the art to which the present invention pertains include a variety of desktops, laptops, palmtops, wireless communication terminals, etc. that can access the financial consulting system through wired or wireless networks including the Internet in addition to general personal computers. It will be understood that the concepts are included.

Investors can access the financial consulting system through the client computer, search various financial and financial information provided by the financial consulting system, and register as a member on the financial-related Internet site. Accordingly, data such as basic personal information, basic investment information, financial product investment information, etc. are transmitted to the financial consulting system, and the investment portfolio suitable for them, the optimal investment financial product group, the list of the financial products to be invested, and the corresponding financial institution You will be able to receive the information about your own technology.

The financial consulting system includes a web server 400, which includes various web pages 410 to be provided to a client computer according to a call of the client computer, and includes a database 430 and a computer program 450. It may further include.

The web page includes a member registration webpage (412), basic investment information webpage (414), investment portfolio webpage (416), financial consulting presentation webpage (418), financial product investment information webpage (420), investment product group A proposal web page 422, an investment target financial product list web page 424, and a financial product specific information web page 426.

The member registration web page 412 is a web page transmitted when an investor wants to register as a member on an Internet site provided through the system according to the present invention. The member registration web page 412 provides a guide for membership registration and a member through this web page. The investor receives basic personal information required for registration. The basic personal information received may include data including name, age, gender, occupation, career, family matters, residence matters, member identification number and password.

The basic investment information web page 414 is to provide differentiated financial information for each investor by grasping the investment form of the investor who has registered as a member. Data may be input, and it may be composed of separate web pages according to contents to be grasped such as investment propensity, investment principle, investment preference target, and the like. The web page for investigating the investor's propensity to receive the data is input to distinguish whether the investor is an aggressive investor or a hedged investor. For example, in a market situation where KOSDAQ stocks are plunging, firstly, whether to invest with credit, secondly, to invest in own funds, or third, to withhold stock investment, etc. Judging the investment tendency of It is desirable that the web page to understand the principle of investment is configured to measure the investor's knowledge and ability to judge investment philosophy, investment item selection method, trading timing selection criteria, account management and management skills. The web page for identifying investment preferences is configured to identify investors' future investment preferences and receives inputs of current investment portfolios, future investment preferences, and future investment objectives. The current investment portfolio can be identified by inputting the share of direct investment in stocks and bonds, indirect investment in profitable securities, insurance and pension products, and banking products. The investment objectives for future investment areas include profitability, stability, liquidity, and guarantees, which may be chosen by the investor either singularly or plurally.

The investment portfolio web page 416 is a web page that provides the investor with an optimal investment portfolio selected from the information on the investor's investment form. This web page shows investors' own investment propensity, level of investment principle, financial situation, investment diagnosis and suggestions for future investment. For example, an investor with aggressive investment tendencies and a high level of investing principle would suggest investing in growth mutual funds and growth beneficiary securities to reflect a good financial market. desirable. Up to this point, it aimed to collect basic information on investor's member information and investment tendencies and principles, and to make basic investment proposals according to the financial situation according to investment trends and principles. Full-scale financial consulting is made on the financial consulting presentation web page, and investment proposals for each financial product are made on the financial product investment information web page.

The financial consulting presentation web page 418 describes the financial product investment proposal provided by the Internet site according to the present invention, and decides whether to receive the financial product investment proposal or to select a financial product to be invested at the investor's own discretion. A web page that receives the results of an investor's choice. Investors receiving financial consulting can refer to their investment portfolios and select only the major categories of financial products to invest, from their personal information, basic investment information, and their own funding situation and requirements, to sub-categories of product groups to invest. Will receive. At this time, the requirement input is a requirement for a large classification area, and based on this, it is inferred from the small and medium classification areas preferred by customers in the relevant area. In suggesting consulting investments for small and medium-sized financial products to customers, suggest reasonable and optimal investment areas for small- and mid-sized financial products based on the investment tendency of the investor database, basic investment information and financial market information of the financial market DB. do. Information on investment propensity, current portfolio composition, investment funds, investment timing, and time period is commonly needed, but this is called from the database and is mainly inputted separately for each product group. For example:

In the case of mutual funds, investment objectives are input whether profitability or stability is desired. Preferred stocks receive information on stocks, bonds, and financial products. In the case of beneficiary securities, you can enter the desired investment purpose of profitability and stability, the desired form of additional and unit types, the preferred type of stocks, bonds and convertible bonds, the desired form of tax or insurance benefits. In the case of banking products, among the purpose of investment, the reserve funds, withdrawal, raise money, foreign currency deposits, the preferred interest rate, the variable interest rate, the fixed interest rate, the deposit method, freely withdrawal, free funding, the reserve type, the interest rate benefit, Choose from tax benefits, loan benefits, and pension linkages and use them as financial product selection data.

Loans are reimbursed as a repayment method, during temporary repayment or partial repayment, in the form of collateral, in the housing, housing finance credit guarantee, credit, in the form of guarantee, non-guaranteed, in the form of linked products as deposit products, savings products, or credit cards. In the case of insurance products, the most appropriate financial product is selected based on the requirements of the investor on the object of insurance, the purpose and the payment method.

The financial product investment information web page 420 receives necessary data from an investor who wants to invest in financial products. In this page, the investor selects a desired product group from among the small and mid-sized product groups that have been offered investment consulting through the financial consulting presentation web page, or wants to invest directly in the financial product investment information web page without going through the financial consulting presentation web page. This page corresponds to the case of selecting a small-segment category. After selecting the small- and medium-sized category of financial products, the financial information including investment time, investment period, and investment amount data for each financial product group is input. Enter the requirements of Information on investment propensity, current portfolio composition, investment funds, investment timing, and period are commonly needed, but this is called from the database and is mainly inputted separately for each small and medium product group. .

Among the mutual funds' major categories, equity-type mutual funds receive data on the fund establishment area, fund investment target (venture / blue chip / prospect), asset ratio (stock and derivative investment ratio / bond and liquid asset investment ratio), etc. In the case of bond-type mutual funds, data such as fund establishment area, fund investment targets (government / debentures / district bonds / special bonds), and asset ratios (stock-related debenture investment ratio / liquidity assets and beneficiary certificates investment ratio) are input. In addition, they are divided into index-linked mutual funds and financial-type mutual funds, and they can reflect the requirements of investors in each category.

In the case of beneficiary certificates, the beneficiary securities financial instruments (old-age pension / individual pension / tax preferential / work long-term / worker preferential / KOSDAQ stock investment) and bond-type beneficiary financial instruments (old-life pension / individual pension / tax) Preferential / working long-term / worker preferential / insurance-linked / CD plus / new MMF / general) and special-type beneficiary securities financial products (chameleon / index / SPOT / principal security) were entered separately. In the case of banking products, there are trust bank financial instruments, deposit bank financial instruments, and savings bank financial instruments. The requirements for each category are entered. In the case of loan products, financial products related to housing funds loans (housing loans for home loans / housing loans for housing improvement / loans for new housing / loan loans), and financial products related to personal general loans (marriage loans / child education) It was classified as financial loans / family stable fund loans) and financial products related to corporate general loans (corporate operational fund loans / product purchase loans / general facility fund loans), and the requirements for each category were separately entered. Requirement for each sub-category, such as automobile insurance, driver insurance, education insurance, comprehensive insurance, pension insurance, cancer insurance, and fire insurance, was entered.

It is preferable to input the requirements for each of the small and medium category product groups by constructing separate web pages.

The investment product group suggestion web page 422 presents the investment product group that is most suitable for the selected investor based on various data inputted from the investor in detail, and presents the recommendation basis for each financial product group.

List of financial products to be invested Web page (424) The list of financial products corresponding to the small-class investment product group selected by the investor is searched from the database and the results are provided. When an investor selects a particular financial product from the list, the information about the financial product is provided through the financial product-specific information web page 426.

The web pages may be written as a HyperText Markup Language (HTML) document, but are not limited thereto.

The database 430 includes an investor database 432, a financial market database 434, a financial product group database 436, an investment proposal basis database 438, a financial product list database 440, and a product-specific information database 442. Database 444.

The investor database 432 includes basic personal information, basic investment information, and financial product investment information. First, basic personal information consists of data including the investor's name, age, gender, occupation, career, family details, residence information, member identification number and password. Basic investment information includes data on the investor's propensity to invest, the establishment of investment principles, and investment preferences. The financial product investment information includes data on a product group, an investment time, an investment period, and an investment amount that the customer wants to invest.

The financial market database 432 includes financial market information such as stock quotes, bank interest rates, and bond interest rates received from various financial institutions such as Korean securities computing and related computer companies, and financial market analysis information determined from the financial market information. Save it.

The financial product group database 434 classifies and stores the financial products to be invested according to their characteristics and characteristics. In particular, all financial products are classified into mutual funds, beneficiary certificates, bank products, subscription products, loan products, and insurance products (guaranteed) as the major categories of products. do. The following table is an example of financial instrument classification.

The investment proposal grounds database 438 organizes and stores the grounds for selecting a product group matching the investor information. The financial product list database 440 stores a list of financial products participating in reverse auction at a financial institution for each sub-class product group, and a database 442 for each product includes a detailed information about the product. The reverse auction transaction database 444 stores data regarding reverse auction transactions made for the financial product selected by the investor.

Each database may be constructed by assigning a field to a database in a web server, or may be constructed through a separate database server, and various construction methods thereof may be easily understood by those skilled in the art. Could be.

The computer program 450 may be divided into a member registration unit 452, a financial market analysis unit 454, a portfolio construction unit 456, an investment product selection unit 458, and an reverse auction management unit 460 according to its performance. have.

The member registration unit 452 determines whether the member data received from the client computer is suitable for member registration and stores the data in the investor database if appropriate, otherwise the member computer cannot register or re-enter data. Provide to investors through

The financial market analysis unit 454 analyzes the financial market from data such as stocks, futures market quotes, bank interest rates, and bond interest rates received from other financial or computerized systems, and stores the results in the financial market database.

The portfolio constructing unit 456 calls the personal information of the investor database and combines it with the basic investment information and the financial market to form an optimal investment portfolio for the investor and a basic algorithm is illustrated in FIG. For example, an investor whose investment tendency is offensive and whose investment principles are not established yet, recommends indirect stock investments and bank trust products and refrains from direct stock investment if the financial market is good. Investment products include investments in growth mutual funds and growth revenue securities. If the financial market is not good, direct stock investments are dangerous and recommend bond indirect investments and investments in deposits, so bonds and finances as indirect investments and term deposits as deposits. You can recommend overdrafts and checking accounts. The following table shows investors' tendencies, investment principles, and examples of investment diagnosis and proposals according to the financial market.

The investment product selection unit 458 considers the investor's personal information, basic investment information, and the financial market, and further reflects information on the investment timing, investment period, and investment amount, and then selects the most. Select the appropriate investment product and present it to the investor through the client computer. For example, an investor who wants to make a high profit by investing in the mutual fund sector, suggests ventures, bulges, KOSDAQ, growth, overseas, and index products when the stock market is booming, and index products when the stock market is bust. Only suggests. The following table shows an example of a small class of product proposals that reflects customer requirements.

The reverse auction management unit 460 connects the financial institution that sells the corresponding product to the investor with respect to the financial product selected by the investor, and transmits necessary information to sell the product. In particular, investor information sent to financial institutions should be secured to the extent that the investor permits disclosure.

Each program may be implemented in a separate web application server or may be implemented by a Java servlet and directly mounted on a web server, or may be independently constructed on a separate server. If you grow up, you can easily understand.

3 is a flowchart illustrating a financial product investment proposal and reverse auction brokering method according to an embodiment of the present invention.

As shown in Fig. 3, when an investor requests a membership by accessing an internet site constructed by the present invention through a client computer (S10), a member registration webpage is transmitted. (S12) The basic personal information of the investor is received through the web page. (S14) Since the specific data field is shown in the description of FIG. 1, the repetition is omitted and the same also applies to the other various information. It is determined whether the investor's personal information received is suitable for membership registration, and if appropriate, registers as a member and stores the information in the investor database. Output to investor through computer. (S16)

If you are a member, send the basic investment information web page to your client computer. (S18) The basic investment information is a program for determining the propensity of the individual investor. Since the investment propensity does not change easily, the data on the basic investment information is input at the member registration stage, and the database is used as a data for consulting on financial products. Is utilized. The webpage receives and analyzes information on the investment propensity of investors, the establishment of investment principles, investment preferences, and the like. (S20) In parallel with the above step, the financial market information is read from the financial market database to determine the current financial market. (S22) Search for a financial product group in accordance with the basic investment information and financial market information from the financial product group database to construct and present a portfolio most suitable for the corresponding investor. (S24)

Providing the financial consulting presentation web page to the investor (S26) When receiving the data requesting consulting according to the key operation input by the investor, (S28) The financial product investment information webpage is provided to the investor through the client computer. . (S40) Through the web page, the investor receives information such as a major category of investment product group, investment fund size, investment time, investment period, and the like, and additionally inputs the investor's requirements for each major category of investment product group. (S42) If the financial consulting is not requested, the financial product group to be invested is input to the financial product group of the small classification level. The received data is analyzed, and the financial market is determined from the financial market database (S50). From this, the optimal investment product is selected in the small class product group unit. (S52) The results are presented to the investor through the investment product proposal web page, the proposal basis for each product group is called from the investment proposal evidence database and linked to the investment product proposal web page. The product selected by the investor from the recommended financial products is traded through reverse auction. (S54) Accordingly, the financial product list corresponding to the selected small-class product group is called from the database and provided to the investor in the form of a web page of the investment target product list, and at this time, the product information web page provided by the financial institution for each product is linked. Provide more detailed information if the investor wishes. (S60) When the investor selects a financial product to be finally invested from the list of investment target products (S62), information for contacting the investor to a financial institution selling the financial product is transmitted. (S70) After the above step, the transaction may be made through an electronic commerce method provided at the site according to the present invention, or the transaction may be made by directly contacting the investor and the financial institution offline.

The drawings and detailed description of the invention are merely exemplary of the invention, which are used for the purpose of illustrating the invention only and are not intended to limit the scope of the invention as defined in the appended claims or claims. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible from this. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the following claims.

Financial product consulting and reverse auction system and method according to the present invention has the following differences and effects as compared to the existing Internet financial site and financial product reverse auction site.

First, the existing internet financial technology site does not provide comparative consulting services among financial product classification areas based on the financial market. Although we provide comparative information on the rate of return or insurance rate between products in each product category, we are unable to suggest the optimal product range between product areas based on market conditions and investment periods. In this respect, the present invention divides financial products into large, medium, and small classes, and considers both profitability and stability based on customer demand and market conditions. For example, if the stock market is in a recession, the stability side and the profitability side should be presented as a basis for investment proposals.

Second, in the investment process, there is no separate investment process for the existing Internet financial technology site, and the financial product reverse auction site takes a single process, whereas the financial product consulting and reverse auction system and method according to the present invention are invested. The consulting phase is set up as a previous step, making it available to investors who have only basic knowledge of financial products, and other investors can directly participate in reverse auctions of financial products, making it easier for investors to select investment targets.

Third, if the investment group is classified or not, the financial product reverse auction site does not have a separate investment group classification, but according to the present invention, the classification is made according to the investment propensity and the principle of investment. Do.

Fourth, unlike other financial product reverse auction sites, the present invention proposes a financial product that reflects the propensity of the investment group, the current investment portfolio, the existence of investment principles, the investment preference stocks, and the current financial market situation. This allows for the selection and investment of more sophisticated financial products.

Fifth, while existing sites uniformly input data regardless of the product group, according to the present invention, more sophisticated financial technology proposals and investment portfolios can be configured by receiving data differentiated according to each product classification group.

Sixth, in the conventional financial reverse auction system, the investor's basic information is transmitted to the financial institution as it is, whereas in the present invention, only the contact means that the investor wishes to allow to the financial institution selected by the investor is disclosed to the financial institution so that the financial institution may invest The security of the investor's information is further strengthened by contacting and providing a process to continue trading consultations offline.

Claims (15)

In the method of suggesting medium and small class financial products and financial products best suited for individual investors on the network, and brokering transactions of financial products between the investors and financial institutions, A first step of receiving financial product investment information including additional requirements according to a major classification financial product group, investment fund information, and investment financial product group to be invested by the investor; A second step of analyzing the data inputted from the first step and financial market information called from a pre-established financial market database, selecting a small and medium-sized financial product group most suitable for the investor and proposing to the investor; A third step of providing to the investor a list of financial products that can be traded with respect to the small and medium classified financial product group selected by the investor from the proposed medium and small classified financial product group; A fourth step of transmitting information of the investor to a financial institution selling the financial instrument selected by the investor from the list of financial instruments provided to the investor; Financial product investment proposal and reverse auction brokerage method comprising a. In claim 1, The first step, Step 1-1 receiving information on the investment propensity of the investor, whether or not the investment principle is established, and a target for investment preference; Steps 1-2 receiving financial market information including stock quotes, bank interest rates, and bond interest rates, and determining the financial market conditions from the information; Steps 1 to 3, which provide the investor by searching the established financial product group database for the basic investment information received in the first step and the most suitable investment class for the financial market determined in the second step. A financial product investment proposal further comprising a reverse auction brokerage method. In claim 1, The first step, Steps 1-4 in which the investor selects a major category of financial products to invest and receives input from the investor whether to select a financial consulting proposal step belonging to the classification; A financial product investment proposal further comprising a reverse auction brokerage method. In claim 3, The first to fourth steps, If the investor chooses a financial consulting proposal stage, In the inputting of the requirements of the major classification financial product group to be invested by the investor, steps 1-5 of receiving a requirement for the major classification level product group among preset financial product classification systems A financial product investment proposal further comprising a reverse auction brokerage method. In claim 3, The first to fourth steps, If the investor does not choose a financial product offer step, In the inputting of the requirements of the group of financial products to be invested by the investor, steps 1-6 of receiving a requirement for a group of products at a small classification level among the predetermined financial product classification systems A financial product investment proposal further comprising a reverse auction brokerage method. In claim 1, The first step, The received investment fund information includes steps 1-7 including investment fund size, investment time, and investment period A financial product investment proposal further comprising a reverse auction brokerage method. In claim 1, The second step, A step 2-1 of selecting the small and medium-sized financial product group most suitable for the investor by analyzing the financial market information called from the data input in the first step and the financial market database already established; Step 2-2 providing the selected financial product group to the investor through the investment product group proposal web page and presenting the detail to the level of the small group product group A financial product investment proposal further comprising a reverse auction brokerage method. In claim 7, Step 2-2, The financial product investment proposal and reverse auction brokering method further comprises a step 2-3 of calling the investment proposal basis for each financial product group proposed to the investor from the investment proposal evidence database and linking it to each of the sub-class product groups. In claim 1, The third step, Steps 3-1 to receive a result selected by the investor from the investment financial group proposed investment, Step 3-2 of searching and providing a list of financial products belonging to the small classification financial product group selected by the investor A financial product investment proposal further comprising a reverse auction brokerage method. In claim 9, In step 3-2, Steps 3 to 3, wherein a web page including product-specific information provided by a financial institution is linked to each financial product included in the small category financial product list. A financial product investment proposal further comprising a reverse auction brokerage method. In claim 1, The fourth step, The information of the investor sent to the financial institution is limited to the extent allowed by the investor financial product investment proposal and reverse auction brokerage method. In the system for suggesting a small group of financial products and financial products best suited for individual investors on the network, and brokering the trading of financial products between the investors and financial institutions, Analyzes the data inputted from the investor including financial product group information, investment fund information, and financial product investment information including additional requirements according to the investment financial product group, and financial market information called from the existing financial market database. Selecting a suitable financial product group and providing the investor with a list of tradeable financial products belonging to the financial product group selected by the investor from among the proposed financial product groups; A financial product investment proposal and reverse auction brokerage system that transmits the investor's information to a selling financial institution. In claim 12, After selecting a major category of financial products to receive consulting, financial information including investment time, investment period, and investment amount data for each financial product is input.In addition, the financial product investment information web that receives investors' requirements for each major product group. Page; An investment product group proposal web page that presents the investment product group most suitable for the selected investor based on various data inputted from the investor in detail, and presents the recommendation basis for each financial product group; And Web page of the list of target financial products that retrieves the list of financial products corresponding to the small category investment product selected by the investor from the database and provides the results. Financial product investment proposal and reverse auction brokerage system further comprising. The method of claim 12 or 13, Member registration web page that is sent when the investor wants to register as a member on the Internet site provided through the system according to the present invention, provides a guide for joining the membership, and receives basic personal information necessary for member registration from the investor; A basic investment information web page for inputting data on the investor's propensity to invest, whether or not to invest in investment principles, and who would like to invest; An investment portfolio web page that provides the investor with an optimal investment portfolio selected from information about the investor's investment type received; And A financial consulting presentation web that describes the financial consulting proposal provided on the Internet site according to the present invention and receives the results of the investor's selection of whether to receive the financial consulting proposal or to select a financial product to be invested at the investor's own discretion. Page Financial product investment proposal and reverse auction brokerage system further comprising. The method of claim 12, wherein Including basic personal information, basic investment information, financial product investment information, basic personal information includes data including the investor's name, age, gender, occupation, career, family details, residence information, membership identification number and password. The basic investment information includes data on the investor's propensity to invest, the establishment of investment principles, investment preferences, etc. The financial product investment information includes information on the product group, time of investment, investment period, and investment amount of the customer. An investor database containing data; The financial market database storing financial market information such as stock quotes, bank interest rates, and bond interest rates received from systems of various financial institutions and related computing companies and financial market analysis information determined from the financial market information; A financial product group database for classifying and storing financial products to be invested according to their characteristics and characteristics; Investment proposal evidence database that stores and organizes the reasons for selecting product groups that match investor information. Reverse auction transaction database that stores data on reverse auctions for the financial instruments selected by the investor. Financial product proposal and reverse auction brokerage system further comprising.