KR20090076673A - Investment management system of investment limitation by stock level - Google Patents

Abstract

An investment management system of investment limitation by stock level is provided to allow a use to trade all stocks by making the investment management fitted with the property of each stock through the rating of stocks. A stock grading unit(410) gives the score to the stocks through the stock evaluating point calculation standard which is periodically determined for each stock. A loan multiple calculator by grade(420) produces a loan multiple from 0.2 to N in the class applied to each stock. By loan multiple calculator by grade produces the loan multiple according to the investment product grade which the user chooses and maximum loan price. A risk management unit by grade(430) applies the risk management standard which is set up as each by grade in advance to each stock.

Description

Investment management system of investment limitation by stock level

The present invention relates to a securities investment management system, and more particularly to an investment-limited investment management system according to the securities category.

In general, the Internet is an open network configured to be freely connected by applying a common protocol called TCP / IP (Transmission Control Protocol / Internet Protocol) to a computer that anyone wants to access anywhere in the world. In addition to information exchange functions such as transmission and WWW (World Wide Web), securities transactions are actively conducted through the Internet these days.

As such, when computer users conduct securities transactions on the Internet, a dedicated emulator supporting a home trading system (HTS), which is produced and distributed by each securities company, may be installed on the user's computer or may be established on the Internet. You can access the web page of a specific securities company, or use a mobile terminal with a built-in web browser.

In particular, in order to maximize the return on investment and minimize the risk of investment, there are increasing cases of using a dedicated emulator that supports the investment management system produced and distributed by each securities company or system developer. Equity loan service market is also on the rise.

Currently, the investment management system that users generally use when trading securities is established in the system by establishing trading principles such as account loss, stock loss, target rate of return, portfolio ratio, etc. The amount of funds is set and trading is carried out under the set investment principle. In addition, the user can use the stock purchase money loan service on the premise of buying and selling according to the set investment principle.

However, in the conventional investment management system as described above, it is difficult for the user to establish trading principles through various analyzes such as industry analysis, basic analysis, technical analysis, etc., as well as exchange rate, interest rate, trade balance, and foreign exchange reserves. It is also difficult to establish the investment fund size through macroeconomic analysis such as economic and economic volatility indexes.

In addition, since the conventional investment management system does not have the function of applying the trading principle to the characteristics of each individual item, the user has to apply the simple investment management principle to all the items uniformly, which increases the possibility of the user's investment loss. This is happening.

In addition, the conventional investment management system has a problem that the user is not able to cope with the risk of stock price fluctuations of the holding stock in real time because the function to constantly check the holding stock of the user and the investment management is excluded.

In addition, in the case of using the stock loan service using the conventional investment management system as described above, the conventional investment management system uniformly enforces the investment ratio for the same item to be below a specific ratio (for example, 40%). By applying this, there is a problem that prevents users from accessing the service, which has a high proportion of investment per item. In addition, since there are too many trading items, the user may not select a trading item widely. Due to these problems, users who want to trade restricted trading stocks or those who have a high share of investment in the same stocks may use the stock purchase loan service with high interest rates (eg, at least 24% annually, or about 48% annually) in the bond market. As a result, the user has a problem that the possibility of investment loss is increased due to the burden of high interest rate, and a huge economic loss occurs in the country.

The present invention is to solve the conventional problems as described above, the object of the present invention is to classify stocks so that a thorough investment management for successful investment instead of allowing the trading freedom of securities investors, the rating of the stocks According to the grade selected by the user, the loan cut, the account length, the maximum possible purchase rate, the risk burden, etc. It is to provide investment-limited investment management system according to securities stocks class that restricts investment amount or investment items by applying as a risk management standard.

In order to achieve the object of the present invention as described above, investment-limited investment management system according to the class of securities, according to the present invention, through the evaluation score calculation criteria for each item in the stock exchange that is predetermined in a specific cycle An item grading unit that scores and applies a grade from 1 to N to each item based on the calculated evaluation score; Loan multiples of 0.2 to N are applied to the grades applied to each item by the item grading unit, and when the user wants to use the loan service for the security of the securities account, the loan multiples and the maximum according to the investment item grade selected by the user. Loan allocation and government, which calculates loan allowances and manages loan application, loan extension, and loan cancellation; And a risk management unit for each user by applying a risk management standard preset for each class according to the grade applied to each item by the item grading unit and the loan multiple calculated by each class by the loan allocation government for each class. It is characterized by consisting of;

According to the investment-limited investment management system according to the class of securities, according to the present invention, the stocks are classified to receive the detailed investment management according to the characteristics of about 1,800 stocks listed on the exchange market and the KOSDAQ market. According to this, it is possible to manage investment according to the characteristics of each item by applying loan multiples, investment amount, and investment items, so that users can buy and sell all the items, and the share of investment per same item can be applied up to 100% of the working capital. When applying for a loan service, a relatively low interest rate (eg, 12 to 14%) is applied compared to the conventional bond market loan rate (eg, at least 24% per year, and an average of about 48% per year) depending on the number of loans by grade. As a result, it has the effect of attracting users of the high interest rate bond market (stock purchase loan), which has the effect of generating a large economic profit nationally.

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

Referring to FIG. 1, the investment-limited investment management system 400 according to the securities item rating according to the present invention operates in connection with the user terminal 100, the securities company server 200, the financial server 300, and the item rating. It comprises a fire department 410, the grade loan allocation and government 420, and the grade risk management unit 420.

The user terminal 100 is a laptop, desktop, mobile communication terminal, etc., which are manufactured and distributed by each securities company, and have a dedicated emulator installed to support a home trading system (HTS) of the securities company server 200. Securities trading can be performed by accessing the webpage of a specific securities company via wired or wireless Internet.

The securities firm server 200 supports the securities transaction and loan service through the user terminal 100 in connection with the investment-limited investment management system 400 according to the securities category according to the present invention.

The financial server 300 supports a loan service through the securities company server 200.

The item grading unit 410 of the investment management system 400 scores the securities stocks being traded on the stock exchange through a predetermined evaluation score calculation criteria for each item at a specific period, and 1 to each item based on the calculated evaluation score. After applying the grade to N, the grade information of each item is transmitted to the loan allocation and distribution government 420 and the risk management unit 430 for each grade.

The item grading unit 410 selects an industrial analysis, a company analysis, a technology analysis, a stock price analysis as an analysis item, and assigns 1 to N points to each analysis item to determine the evaluation score for each analysis item. According to the total score obtained, the grade of each securities item is applied from 1 to N.

The item grading unit 410 divides the industry into major, medium, and small categories, and micro-category, and each business category, due diligence index (BSI), manufacturing operation index, service industry activity index, production index by item, shipment index, inventory The index is normally distributed to obtain a normal distribution value in the range of 0 to 1, and then the industrial analysis evaluation score is calculated according to the range of the sum of the normal distribution for each sector by adding the specific weight to the normal distribution value for each classification.

The stock grading unit 410 is evaluated as a company value, a return on equity (ROE), and a return on assets (ROA) value, which are measured by sales weight, operating profit weight, net profit weight, market capitalization weight, and current asset weight. The company's analysis score is calculated using the stability assessed by profitability, sales growth rate, sales profit growth rate, operating profit growth rate, EBITA growth rate, net profit growth rate, and debt ratio, current ratio, interest compensation ratio, and financial cost burden ratio. do.

The item grading unit 410 calculates a technical analysis evaluation score using the stock index and the trading volume index.

The stock rating unit 410 calculates a stock price analysis analysis score using the stock price quote.

The loan allocation calculation unit 420 for each grade of the investment management system 400 calculates a loan multiple of 0.2 to N in the grade applied to each item by the item rating unit 410, and the user secures the securities account. When you want to use the loan service to calculate the loan multiples and the maximum loan possible amount according to the investment item grade selected by the user, and manages loan application, loan extension, and loan termination.

The loan allocation government 420 for each grade shows the state of the economic trend based on actual effective exchange rate, interest rate, trade balance, foreign exchange reserve, and economic fluctuation index. It is defined as a long-term downturn, and the loan rating of the highest grade is raised or lowered according to each state value.

The risk management unit 430 for each grade of the investment management system 400 is based on the grade applied to each item by the item grader 410 and the loan multiple calculated by each grade by the loan allocation calculation unit 420 for each grade. Restrict the user's investment by applying the preset risk management criteria for each level.

The risk management unit 430 for each grade applies a loss-cut item that sells automatically when the loss rate of the item owned by the user as a risk management standard exceeds the loss rate per item set according to the grade.

The risk management unit for each grade 430 applies an account loss cut that automatically sells if the user's account loss rate exceeds a predetermined account loss rate according to the grade of the investment item set by the user as a risk management standard.

The risk management unit for each grade 430, the risk management criteria, if the user buys less than the grade of the investment item, the maximum buyable ratio limiting the maximum available amount that the user can invest in one item to the total operating funds Apply. However, when buying more than investment grade items, there is no limit on the maximum purchase price per item.

The risk management unit 430 for each grade limits the maximum purchase amount per item by applying the maximum purchase rate to Equation 1 below.

The risk management unit 430 for each grade is determined in advance according to the difference between the loan multiple set by the user in the securities account and the loan multiple of the buy stock when the stock is less than the grade of the investment item set by the user as the risk management standard. The cash at risk rate (N%) is set as a risk contribution and tied up so that it cannot be traded.

The risk-bearing rate (N%) is a predetermined ratio set by the risk management unit 430 for each grade according to the difference between the loan multiple set by the user and the loan multiple of the purchase item. For example, when the grade difference is 1, the rate difference is 3%. In case of 2, it can be set as 6%.

The risk management unit for each grade 430, in order to secure a risk burden calculated by Equation 2 below, when a deposit is in the user's securities account, the deposit is forced to be designated as a risk burden and cannot be bought and sold. The Company's holdings are sold as cash, and the cash is designated as risk. In addition, the risk contribution will be recalculated if the holding of the risk-bearing stock is sold or if the class of the investment changes.

The investment-limited investment management system 400 according to the securities item grade according to the present invention configured as described above operates as follows.

Referring to FIG. 2, the item grading unit 410 of the investment management system 400 may evaluate the securities items that are traded on the stock exchange in a predetermined period (eg, once a day or several times a day). Score through the calculation criteria, apply a grade from 1 to N to each item based on the calculated evaluation score, and transfer the grade information of each item to the loan allocation and government 420 and the risk management unit 430 for each grade do.

That is, the item grading unit 410 sets the analysis item, industry analysis, company analysis, technology analysis, stock price analysis as an analysis item, and assigns 1 to N points for each analysis item (S100). Based on the total score obtained by accumulating the valuation scores for each item (S110), the grade of each securities item is calculated and applied to 1 to N (S120). Subsequently, the reclassification is calculated at a specific cycle (for example, once a day or several times a day) for securities stocks that are traded on the stock exchange, and if the grade of the stock changes (S130), the changed grade information is recalled. The loans are assigned to the grade allocation government 420 and the risk management unit 430 by grade.

In this case, the item grading unit 410 calculates the evaluation score of the industry analysis is as follows, the item grading unit 410 is an industry analysis, such as the Bank of Korea, the Industrial Bank, Korea Chamber of Commerce, National Federation of Businessmen, Statistics Office, etc. Among the indices surveyed and published by the specialized institutions quarterly or monthly, the industry economic index (BSI), manufacturing utilization index, service activity index, production index by item, shipment index and inventory index can be used to identify the industry trend. Reflect on the evaluation score of the analysis.

First, the sectors are classified into major, medium, and small, and micro-category.By business economic index (BSI), manufacturing operation rate index, service activity index, production index by item, producer shipment index, inventory index ( Producers inventory index) is normally distributed to obtain a normal distribution value ranging from 0 to 1.

For example, the major classification is the normalized BSI index of each industry, which is quantified to a value of 0 to 1, the middle classification is the manufacturing operation index, and the service sector is the normal distribution of service activity index. Numeric value of. In addition, the sub-categories are the manufacturing industry utilization rate index for the manufacturing industry and the service industry activity index for the normal distribution, and the numerical value is 0-1, and the micro-classification is the normal distribution of the production index, shipment index, and inventory index for each item. It is digitized to a value of 0 to 1. At this time, the normal distribution value of the service sector in the fine classification is replaced by the small classification normal distribution value.

When the normal distribution value for each classification is calculated as described above, the sum of the normal distribution for each sector of the stock is then calculated by reflecting a specific weight.

For example, A is a large classification normal distribution value to which a specific item belongs, and a specific gravity is 10%, B is a middle classification normal distribution value to which a specific item belongs, and a specific gravity is 15%, and C is a small classification normal distribution to which a specific item belongs. Value, the specific gravity of 25%, D is a fine classification normal distribution value that a particular item belongs to, and the specific gravity 50%, especially when the D defined by the following equation (3), the sum of the normal distribution of each specific sector Is obtained by the following equation (4).

As shown in Table 1 below, when the sum of the normal distributions of each of the sectors, which is added by reflecting a specific gravity to the normal distribution value of each category, is calculated as described above, the predetermined score is applied according to the sum of the normal distributions of the sectors. To calculate the industrial analysis score.

For example, Company A is classified into manufacturing industry, heavy category is steel / mineral, small category is steel / mineral, and microclassification is hot rolled / cold rolled / stainless, and the BSI of manufacturing industry (major category) is 110. Accordingly, the normal distribution value is 0.2, the service activity activity index of steel / minerals (medium classification) is 150, and accordingly, the normal distribution value is 0.5, the service activity activity index of steel / mineral (small classification) is 150, and thus the normal distribution value is 0.5. For example, if the microdistribution normal distribution according to production, shipment, and inventory index for each microclassification item is 0.8, then the sum of the normal distribution of item A is 0.623.

That is, according to Equation 4, the sum of the normal distribution of the item A = (0.2 × 10%) + (0.5 × 15%) + (0.5 × 25%) + (0.8 × 50%) = 0.623, accordingly, Based on the above Table 1, the industry analysis evaluation score of item A is 7 points.

In the present invention, the reason for applying the industry analysis for item grading is to analyze the industry and industry flow to which the item belongs, so that the items belonging to the upstream industry are rated high so that customers can make more stable profits. To help. In fact, stocks in the downtrend industry are often poorer in growth and profitability than stocks in the uptrend industry. For example, stocks in the apparel / fur sector, which are downstream businesses, have tended to shrink or go out of business in the past decade because the domestic apparel / fur industry has been losing competitiveness due to China's cheap labor costs.

The item grading unit 410 calculates an evaluation score of a company analysis as follows. The item grading unit 410 uses a company's financial statements to be announced quarterly, monthly or from time to time by the Financial Supervisory Service. We analyze the company's value, profitability, growth potential, and stability against market valuation and reflect it in the company's analysis score.

When analyzing the enterprise value compared to the market valuation, the value of sales, operating profit, net profit, market capitalization, and current asset weight is used.In analyzing the profitability, return on equity (ROE) and total return on assets ( ROA), and the likelihood of analyzing the growth potential, using sales growth rate, sales profit growth rate, operating profit growth rate, EBITA growth rate, net profit growth rate, etc., and analyzing the stability, debt ratio, current ratio, Use interest reward ratios and financial cost burdens.

For example, the firm's value compared to the market valuation is obtained from a deviation between the sales ratio, the operating profit ratio, the net profit ratio, and the market capitalization ratio of the specific firm, and the market valuation of the specific firm is undervalued compared to the enterprise value. This is useful for determining whether you are overvalued.

In the conventional company analysis, if only the performance of an item is analyzed, or if it is judged to be overvalued or undervalued by comparing with the same company or the average of the industry to which the item belongs, the enterprise value compared to the market valuation is the actual market. It is effective in that it can be judged how the evaluation is performed and whether it is undervalued or overvalued compared to other stocks.

The enterprise value compared to the market valuation can be obtained as shown in Equation 5 below, ranking the stocks in the order of the highest enterprise value (F) compared to the market valuation, and reflecting the score applied to the range to which the ranking belongs to the valuation score. It is preferable.

For example, if the sales of a specific item is 100 billion, and the sum of the sales of all listed items is 100 billion, the proportion of sales of the specific item (A) is 0.01%. In this way, if the operating profit ratio (B) 0.02%, net profit ratio (C) 0.03%, and market capitalization (E) 0.01% are obtained, the firm's value-to-market value (F) is F = ((0.01-0.01 ) + (0.02-0.01) + (0.03-0.01)) / 3 = 0.01. If the company value compared to the market value (F) value compared to the market value (F) value of the entire item and the ranking is 200, the item grading unit 410 is preset by rank or range of ranking Appraisal scores are reflected in the company analysis scores for a particular item.

The debt ratio is an index used when analyzing the stability of a company and can be obtained as shown in Equation 6 below.

If the value of the debt ratio is assumed to be X, the item grading unit 410 indicates that -1 point for 100≤X <150, -2 point for 150≤X <200, and -3 point for 200≤X <250 As such, the points set according to the range of debt ratio are reflected in the valuation scores of a company's analyses.

The return on equity (ROE) is an index used when analyzing the profitability of a company and can be obtained as shown in Equation 7 below.

If the return on equity (ROE) value is assumed to be X, the item grading unit 410 shows 1 point if 10% ≤X <15%, 2 points if 15% ≤X <20%, and 20% ≤X If it is <25%, the score set according to the range of Return on Equity (ROE) value, such as 3, is reflected in the company analysis score of a specific item.

In addition, the item grading unit 410 calculates the technical analysis evaluation score using the stock price index and the trading volume index, and calculates the stock price analysis analysis score using the stock price change price.

Referring to FIG. 3, the loan allocation calculation unit 420 for each grade of the investment management system 400 calculates a loan multiple of 0.2 to N at a grade applied to each item by the item rating unit, and the user has a stock account. In order to use the lending service with the security, the loan multiples and the maximum loan allowance are calculated according to the investment item grade selected by the user, and the loan application, loan extension, and loan termination are managed.

At this time, the loan allocation government 420 by grade analyzes the economic trend based on the actual effective exchange rate, interest rate, trade balance, foreign exchange reserves, and the economic fluctuation index (S200), the state of the economic trend flow short-term rise, short-term It is defined as a drop, a medium-term rise, a medium-term fall, a long-term rise, and a long-term fall, and calculate each state value (S210), and calculate by changing the loan multiple of the highest grade up or down according to each calculated state value (S220). Thereafter, the economic trend flow is re-analyzed at a specific cycle (for example, once a day or several times a day), and as a result, when the loan drainage for each grade is changed (S230), the changed loan drainage information for each grade is managed by the risk management unit 430. To pass).

For example, the loan allocation government 420 for each grade is an index of real effective exchange rate, economic fluctuation index, trade balance, etc., which can grasp the economic trend, among indexes surveyed and released by the National Statistical Office. It is used in the trend analysis to reflect the status value, and the maximum loan multiple is calculated by summing the status value obtained as a result of the economic trend analysis and the preset default multiple. In this case, the basic multiple may be changed based on the multiple of 4, and items for analyzing the economic trend may be added or excluded depending on the impact on the economic trend.

When explaining the manner in which the loan allocation calculation unit 420 for each grade calculates the loan distribution using the real effective exchange rate, the economic fluctuation index, and the trade balance.

First, a 12-month weighted average of the real effective exchange rate A, the economic fluctuation index B, and the balance of trade C are compared.

At this time, the real effective exchange rate A is obtained by the actual effective exchange rate of the current month-the real effective exchange rate of the previous month, the economic fluctuation index B is obtained by the current economic fluctuation index-the previous month's economic fluctuation index, and the trade balance C is the current trade balance-the previous month's trade balance, A, B, and C are all based on a 12-month weighted average.

 In addition, the points A, B, and C are all treated as one point in the case of ascending, 0 points in case of the fall or consolidation, and the sum of each score of A, B, and C (A + B + C) is obtained and reflected in the economic trend trend score. .

For reference, Table 2 below shows an embodiment in which the maximum loan multiple is obtained by reflecting the basic multiple 4 above the sum of the economic trend trend scores obtained as described above.

As described above, the grade applied to each item by the item grading unit 410 and the loan allocation calculated by each grade by the loan allocation calculation unit 420 for each grade, the risk management unit for each grade of the investment management system 400 430 The risk management unit 430 for each grade is linked with the user terminal 100, the securities company server 200, and the financial server 300 to apply for a loan, extend the loan, and terminate the loan according to the grade selected by the user. In accordance with the degree of the item that the user trades, the item loss cut, account loss cut, maximum buyable ratio, and risk contribution are applied as risk management criteria to limit the investment amount or investment item.

First, before the user accesses the web page of the specific securities company operating in the securities company server 200 and starts securities trading, the user's item rating setting screen and the detailed setting for each item grade are shown as shown in FIGS. 4 and 5. Select the grade of the stock you want to invest by querying the stock investment stock grade through the screen, and accordingly, the user's investment grade, loan multiple and maximum operating amount corresponding to the loan multiple are set. Loan service application and securities transactions can be performed using the user terminal 100.

6 is an embodiment showing a loan application process according to the present invention, and is performed as follows.

First, the user terminal 100 has opened an account in the securities company server 200 (S300), and has agreed to the terms of use of the system (S301). In addition, a loan service is provided to the financial server 300 for the corresponding account. Suppose that the pledge for the state is set (S302).

In addition, as described above, the user completes the investment item grade setting through the screens shown in FIGS. 4 and 5 displayed on the user terminal 100 (S310), checks the loan drainage setting contents (S311), and risk management. After checking the setting contents (S312), it is assumed that the mortgage deposit is completed in the account (S312).

In this state, when the user applies for a loan to the financial server 300 (S320), the financial server 300 determines whether the loan is available for the corresponding account and determines whether or not to loan (S330). The city shall notify the loan side of the user.

On the other hand, when it is determined that the loan is possible, the financial server 300 requests the security confirmation to the securities company server 200 (S340), and if the security is confirmed (S341), and checks the loan generation to the securities company server 200 (S342) successively, the securities firm server 200 confirms the occurrence of the loan to the loan allocation government 420 for each grade of the investment management system 400 according to the present invention (S343), accordingly the item rating unit 410 Is applied to the investment grade and loan multiples for the loan account (S344), the risk management unit for each grade 430 applies the risk management for the loan account (S345). In addition, the securities firm server 200 notifies the securities firm server 200 that the loan is completed in the account after checking the loan occurrence (S350), and then notifies the user terminal 100 of the loan processing result (S360). Loan application is complete.

In this case, the loan amount is a relatively low interest rate (eg, 12 to 14%) compared to the conventional bond market loan rate (e.g., at least 24% per year, and an average of about 48% per year) depending on the number of loans for each grade set by the user. Apply.

7 is an embodiment showing a risk management process for each grade through the item and account loss cut according to the present invention, the risk management unit for each grade 430 is performed in connection with the user terminal 100 and the securities company server 200 as follows: do.

The risk management unit 430 for each grade checks the price change at any time (S400) and determines whether the account loss rate held by the user exceeds the preset account loss rate according to the grade of the investment item set by the user (S410).

If the grade risk management unit 430 informs that the account loss rate exceeds the set loss rate, the securities company server 200 generates an account loss cut that automatically executes counter trading for all items of the account (S420). By notifying the result of the countermeasurement processing to the risk management unit 430 and the user terminal 100 for each grade (S430), the investment risk is reduced.

On the other hand, if the holding account loss rate does not exceed the set loss rate, the risk management unit for each grade 430 determines whether the loss rate of the item held by the user exceeds the preset loss rate per item according to the grade (S44).

If the grade risk management unit 430 notifies that the corresponding item loss rate exceeds the set loss rate, the securities company server 200 generates an item loss cut that automatically executes the counter item trading (S450), and the result of the counter item trading process By notifying the risk management unit 430 and the user terminal 100 by the grade (S460) to reduce the investment risk.

8 is an embodiment showing a risk management process for each grade using the maximum possible purchase rate according to the present invention, wherein the risk management unit 430 for each grade is performed in connection with the user terminal 100 and the securities company server 200 as follows. .

When the user makes a purchase order to the securities firm server 200 through the user terminal 100 (S500), the securities firm server 200 inquires whether the purchase is possible to the risk management unit 430 for each grade (S510).

Accordingly, the risk management unit for each grade 430 does not limit the maximum purchase amount per item when the user buys more than the investment grade, but the user is total management if the user buys less than the grade of the investment item It is determined by applying the maximum buyable ratio limiting the maximum buyable amount (see Equation 1) that can be invested in one item compared to the funds (S520).

If the current purchase order is within the maximum purchase amount per item, the risk management unit 430 for each grade confirms the order, and accordingly, the securities company server 200 processes the order normally (S530).

On the other hand, if the current purchase order is not within the maximum purchase amount per one item, the risk management unit 430 for each grade reduces the investment risk by notifying the sale of the user to the terminal (100).

9 is an embodiment showing a risk management process for each grade using a risk burden according to the present invention, wherein the risk management unit 430 for each grade is linked with an item grader 410, a user terminal 100, and a securities company server 200. Do the following:

When the user makes a purchase order to the securities company server 200 through the user terminal 100 (S600), the securities company server 200 requests whether the order is possible to the risk management unit 430 for each grade (S610).

Accordingly, the risk management unit 430 for each grade checks the case of purchasing items below the grade of the investment item set by the user by requesting the grade information of the order item to the item grader 410 (S620). It is determined whether the deposit of the securities account is less than the risk contribution of the stock item (S630).

If the deposit amount is less than the risk burden of the buy item, the risk management unit 430 for each grade informs the user of the available purchase amount considering the risk burden (S631).

On the contrary, if the deposit amount is not less than the risk burden of the buy item, the risk management unit 430 according to the rating is determined in advance according to the difference between the loan multiple set by the user and the loan multiple of the buy item in the user's securities account (N%). Set the cash at risk (see Equation 2), bind it so that it cannot be traded (S640), and allow the securities firm server 200 to process the order (S650). Thereafter, the securities company server 200 transfers the result of the order processing to the risk management unit 430 for each grade (S651). Accordingly, the risk management unit 430 for each grade is the risk burden set to the user terminal 100 and the order processing result. By notifying (S660), the investment risk is reduced.

On the other hand, the risk management unit for each grade 430, from time to time requesting the rating information of the order item to the item grading unit 410 in order to secure a risk burden (S700), the deposit of the user's securities account is less than the risk contribution of the holding stock Determine whether or not (S710).

If the deposit is not less than the risk contribution of the stock holding, the grade risk management unit 430 resets the risk burden according to the grade of the holding stock (S711).

On the contrary, if the deposit amount is less than the risk burden of the holding stock, the risk management unit 430 for each grade notifies the securities company server 200, and accordingly, the securities company server 200 calculates the selling quantity and then holds the user's stock. Counter the trade as much as the risk burden (S720). Subsequently, the securities company server 200 transmits the result of counter-trafficking processing to secure a risk burden to the risk management unit 430 for each grade (S721), and accordingly, the risk management unit 430 for each grade corresponds to the corresponding cash formed as counter-sale. By designating a risk burden and notified the result of the countermeasurement processing for securing the risk burden and the risk burden set by the user terminal 100 (S730), the investment risk is reduced.

10 is an embodiment showing a risk management cancellation process and a loan cancellation process for each grade through an account loss cut according to the present invention.

The risk management unit 430 for each grade checks the price change at any time (S800) and determines whether the account loss rate held by the user exceeds the preset account loss rate according to the grade of the investment item set by the user (S810).

If, by the risk management unit for each grade 430 notifies that the holding account loss rate exceeds the set loss rate, the securities company server 200 generates an account loss cut to automatically execute the counter-sale for all items of the account (S820) After freezing (S821), by notifying the account counter-measurement processing result to the grade risk management unit 430 and the user terminal 100 (S830) to reduce the investment risk.

Then, if the user maintains the termination of the contract for risk management of the investment management system 400 according to the present invention through the user terminal (100) (S840), the loan allocation and mountain government 420 for each grade while maintaining the service After resetting the loan doubling using the item grade information of the item grading unit 410 and notifying the reset loan doubling to the risk management unit 430 for each grade (S841), the fact is notified to the financial server 300 by the loan. Reference to the service (S842).

On the other hand, if the user requests cancellation of the contract for risk management of the investment management system 400 according to the present invention through the user terminal 100 (S840), the risk management contract cancellation request is transmitted to the financial server 300 (S843), accordingly, when the financial server 300 makes a request for repayment of the loan to the securities company server 200 (S850), the securities company server 200 corresponds to the loan multiple of the loan allocation and mountain government 420 for each grade. After checking the repayment amount (S851), it is determined whether the repayment amount is insufficient (S860).

In this case, if the repayment amount is insufficient, the securities company server 200 requests the insufficient payment of the repayment amount to the user terminal 100 (S861), and if the repayment amount is not insufficient, the securities company server 200 sends the loan and interest to the financial server 300. Repayment (S862), accordingly, the financial server 300 is notified to the user terminal 100, the termination is completed (S870).

On the other hand, when the user uses the risk management of the investment management system 400 according to the present invention, if the loan cancellation request (S900), the loan cancellation request is transmitted to the financial server 300, accordingly the financial server When 300 requests a loan repayment to the securities company server (200) (S910), the securities company server (200) checks the repayment amount corresponding to the loan multiples of the loan distribution government (420) for each grade (S911), It is determined whether the repayment amount is insufficient (S920).

In this case, if the repayment amount is insufficient, the securities company server 200 requests the insufficient payment of the repayment amount to the user terminal 100 (S921), on the contrary, if the repayment amount is not insufficient, the securities company server 200 sends the loan and interest to the financial server 300. Reimbursement (S922), accordingly, the financial server 300 is notified to the user terminal 100, the completion of the termination (S930).

Investment-limited investment management system according to the class of securities according to the present invention described above is not limited to the above embodiment, in the field to which the present invention belongs without departing from the gist of the present invention as claimed in the following claims. Anyone with ordinary knowledge has the technical spirit to the extent that various changes can be made.

1 is an embodiment showing an investment-limited investment management system according to the securities item grade according to the present invention.

2 is an embodiment showing a process for grading sports according to the present invention.

Figure 3 is an embodiment showing a loan drainage calculation process for each grade according to the present invention.

4 is a user rating class setting screen.

5 is a detailed view screen for each item grade.

6 is an embodiment showing a loan application process according to the present invention.

7 is an embodiment showing a risk management process for each grade through the item and account loss cut according to the present invention.

8 is an embodiment showing a risk management process for each grade using the maximum possible purchase rate according to the present invention.

9 is an embodiment showing a risk management process for each grade using the risk contribution according to the present invention.

10 is an embodiment showing a risk management cancellation process and a loan cancellation process for each grade through an account loss cut according to the present invention.

<Description of the symbols for the main parts of the drawings>

100: user terminal 200: brokerage company server

300: financial server 400: investment management system

410: Stock Grading Division 420: Loan and Distribution Administration by Grade

430: risk management by grade

Claims (13)

A stock grading unit that scores the securities stocks being traded on the stock exchange through a predetermined evaluation score calculation criterion for a specific period, and applies a rating from 1 to N to each stock based on the calculated evaluation score; Loan multiples of 0.2 to N are applied to the grades applied to each item by the item grading unit, and when the user wants to use the loan service for the security of the securities account, the loan multiples and the maximum according to the investment item grade selected by the user. Loan allocation and government, which calculates loan allowances and manages loan application, loan extension, and loan cancellation; And A grade risk management unit for limiting the user's investment by applying a preset risk management standard for each grade according to the grade applied to each item by the item grader and the loan multiple calculated by each grade by the loan allocation government for each grade; Investment-limited investment management system according to the class of securities, characterized in that consisting of. The method of claim 1, wherein the item grading unit selects an industrial analysis, a company analysis, a technology analysis, and a stock price analysis as an analysis item based on the evaluation score of each item, and assigns 1 to N points to each analysis item for each analysis item. An investment-limited investment management system based on the grade of each securities item, which applies the rating of each securities item from 1 to N according to the total score obtained by accumulating the evaluation scores. The method of claim 2, wherein the stock classification unit divides the industry into major, mid, small, and fine categories, and each business classification index (BSI), manufacturing operation rate index, service industry activity index, production index for each item, shipment index After calculating the normal distribution value in the range of 0 to 1 by normalizing the inventory index, the industry analysis valuation score is calculated according to the range of the normal distribution sum of each industry by adding the specific weight to the normal distribution value for each classification. Investment-limited investment management system according to the securities item grades, characterized in that. The method of claim 2, wherein the item grading unit is a company value, a return on equity (ROE), a return on equity (ROA), and a return on equity, which are evaluated in terms of sales, operating profit, net profit, market cap, and current asset weight. Evaluation of corporate analysis using stability evaluated by profitability, sales growth rate, sales profit growth rate, operating profit growth rate, EBITA growth rate, net profit growth rate, and debt ratio, current ratio, interest compensation ratio, and financial cost burden rate Investment-limited investment management system according to the class of securities, characterized in that for calculating the score. The investment limiting investment management system of claim 2, wherein the item grading unit calculates a technical analysis evaluation score using a stock index and a trading volume index. The investment-limited investment management system according to the securities item grade according to claim 2, wherein the item grading unit calculates the price fluctuation analysis evaluation score using the stock price fluctuation price. According to claim 1, The loan allocation and mountain government for each grade is based on the actual effective exchange rate, interest rates, trade balance, foreign exchange reserves, economic fluctuation index, the state of the economic trend flow short-term rise, short-term down, mid-term rise, mid-term down, long-term An investment-limited investment management system according to the class of securities, which is defined as rising, long-term falling, and changing the number of loans of the highest grade up or down according to each state value. According to claim 1, wherein the risk management unit for each grade according to the securities category according to the rating of the securities, characterized in that to apply the item to sell automatically if the loss rate of the stock held by the user as a risk management standard exceeds the loss rate per item set according to the grade Limited investment management system. The method of claim 1, wherein the risk management unit for each grade applies an account loss cut that automatically sells when the user's account loss rate exceeds a predetermined account loss rate according to the grade of the investment item set by the user as a risk management standard. Limited investment management system based on securities stocks. According to claim 1, wherein the risk management unit for each grade, if the user buys an item of less than the grade of the investment item on the basis of risk management criteria, the maximum number of purchases limiting the maximum available amount that the user can invest in one item to the total operating funds Investment-limited investment management system according to the securities category, characterized by applying the possible ratio. The method of claim 10, wherein the risk management unit for each grade is the following equation,

The investment limit type investment management system according to the class of securities, characterized by limiting the maximum possible amount of purchase per item by applying the maximum possible purchase rate. According to claim 1, wherein the risk management unit for each grade, if the purchase of stocks less than the grade of the investment item set by the user on the basis of risk management, the difference between the loan multiple set by the user and the loan multiple of the buy item in the user's securities account According to the securities, the investment limited investment management system according to the class of securities, characterized in that the cash of the predetermined risk-bearing rate (N%) is set as a risk-bearing and not traded. The method of claim 12, wherein the risk management unit for each grade is the following equation,

If there is a deposit in the user's securities account, the deposit shall be forced to be traded by designating the deposit as a risk contribution. Investment-limited investment management system according to the securities item grade, characterized in that cash is designated as a risk burden.

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