KR20100003154A - Method to forecast financial state and system thereof - Google Patents

Abstract

The present invention relates to a financial state prediction method and system for predicting the future financial state by analyzing the relationship between net assets and fixed assets (especially residential assets) over time.

Financial state prediction system according to the present invention, a data input unit for receiving asset / liabilities information and income / expenses / other information from the customer; A fixed asset analysis unit that detects a change in the value of all fixed assets over time based on real estate asset information and other fixed asset information included in the asset / liability information; A liquid asset analysis unit which grasps a change in the value of a liquid asset that can be cashed over time, based on the asset / liability information and income / expenditure / other information; A residential asset analysis unit which grasps a change in the value of the residential asset over time based on the real estate asset information included in the asset / liability information; A net asset analysis unit for detecting a change in the value of the net assets of the customer over time based on the change in the value of the fixed asset and the change in the value of the current asset, as identified by the fixed asset analysis unit and the current asset analysis unit; And a result output unit which displays the result values of the fixed asset analyzer, the current asset analyzer, the residential asset analyzer and the net asset analyzer over time.

Description

METHOOD TO FORECAST FINANCIAL STATE AND SYSTEM THEREOF

The present invention relates to a financial state prediction method and system for predicting the future financial state by analyzing the relationship between net assets and fixed assets (especially residential assets) over time.

Financial management is used in two different ways. Financial management in its broadest sense includes investment finance related to corporate finance, analysis and evaluation of asset investment, financial institution management related to management of financial institutions, and monetary finance theory related to financial institutions and financial institutions.

On the other hand, financial management in a narrow sense is a sub-system of corporate management, and it is necessary to rationally raise and raise funds necessary for the company to efficiently manage the company such as personnel management, production management, marketing management and accounting. It is a management function that invests funds in assets and manages them efficiently.

In recent years, the general public is also interested in how to effectively manage and multiply their financial resources. Therefore, there is a demand for a method of identifying the overall financial status of individual deposits, insurance and real estate, and in particular, a method of identifying the overall financial status in relation to residential assets.

The technical problem to be achieved by the present invention is to provide a financial state prediction method and system for predicting the future financial state by analyzing the relationship between the net assets and fixed assets (especially residential assets) over time. In addition, to provide a financial state prediction method and system for predicting the change in financial position according to the time of economic death.

According to one aspect of the invention, a financial position prediction system is provided.

The financial condition prediction system includes a data input unit for receiving asset / liability information and income / expenditure / other information from a customer; A fixed asset analysis unit that detects a change in the value of all fixed assets over time based on real estate asset information and other fixed asset information included in the asset / liability information; A liquid asset analysis unit which grasps a change in the value of a liquid asset that can be cashed over time, based on the asset / liability information and income / expenditure / other information; A residential asset analysis unit which grasps a change in the value of the residential asset over time based on the real estate asset information included in the asset / liability information; A net asset analysis unit for detecting a change in the value of the net assets of the customer over time based on the change in the value of the fixed asset and the change in the value of the current asset, as identified by the fixed asset analysis unit and the current asset analysis unit; And a result output unit which displays the result values of the fixed asset analyzer, the current asset analyzer, the residential asset analyzer and the net asset analyzer over time.

The asset / liability information includes real estate asset information, other fixed asset information, debt information, general financial information, investment finance information, insurance information, and the income / expenditure / other information includes income information, expected income information, and asset purchase information. , Child expenses information, monthly living expenses information.

In addition, the real estate asset information includes the residential assets, non-residential assets, the current price for the land, the current and future expected increase and decrease rates, the time of disposal, and the other fixed asset information includes the current price for fixed assets, except for real estate, The debt information includes the repayment method, the starting and remaining repayment period, the interest rate, and the monthly repayment amount, and the general financial information includes the amount currently deposited in the customer's account and future accumulation. The investment financial information includes the current price, monthly payment amount, the number of months passed, and the annual rate of return for funds, stocks, bonds, etc. held by the customer, and the insurance information includes monthly payments and residuals for various insurances held by the customer. It may include a period and expiration date.

In addition, the income information includes the type of income, start time, end time, expected increase and decrease rate for the regular income of the customer, the expected income information includes the current price, steaming time, increase and decrease rate for the irregular income of the customer, The asset purchase information includes estimated prices for residential, non-residential and other assets that the client expects to purchase in the future, and the purchase time, and the child expenditure information includes the customer's current child and the number of children born in the future, and each child. It may include the cost of raising children.

The change in the value of the fixed asset identified by the fixed asset analysis unit is calculated as the sum of the values of real estate assets and other fixed assets over time, and the value of the real estate assets over time is determined by the customer. The current price entered for the asset is calculated based on the current and future anticipated rate of increase and disposal, and the value of the other fixed assets over time, based on the current price and return time entered by the customer for each asset. Can be.

The change in the value of the current asset identified by the current asset analysis unit is the sum of the values of the general financial information, investment financial information, income information, expected income information input by the customer, debt information, insurance information, asset purchase information, children It can be calculated by subtracting the sum of the expenditure information and the value of monthly living expenses information.

The change in the value of the residential asset identified by the residential asset analysis unit may be calculated based on the present price of the residential asset input by the customer and the expected increase and decrease of the present and future.

According to another aspect of the present invention, a method of predicting a financial condition of a customer is provided by the financial condition prediction system.

The method of predicting the financial state of the customer by the financial condition prediction system includes: receiving asset / liability information and income / expenditure / other information from the customer; Identifying a change in the value of all fixed assets over time based on real estate asset information and other fixed asset information included in the asset / liability information; Identifying a change in the value of a cashable liquid asset over time based on the asset / liability information and income / expenditure / other information; Identifying a change in the value of a residential asset over time based on the real estate asset information included in the asset / liability information; Identifying a change in the value of the net asset of the customer over time based on the change in the value of the fixed asset and the change in the value of the current asset, which are identified by the fixed asset analysis unit and the current asset analysis unit; And displaying a change in value of the fixed assets, current assets, residential assets, and net assets over time.

According to another feature of the present invention, a financial state prediction system is provided.

According to another aspect of the present invention, a financial state prediction system includes: a data input unit for receiving a death point of an economic subject in addition to basic data on asset / liability information and income / expenditure / other information from a customer; A death reflecting unit for changing the asset / liability information and income / expenditure / other information based on the death point; A fixed asset analysis unit that detects a change in the value of all fixed assets over time based on real estate asset information and other fixed asset information included in the asset / liability information; A liquid asset analysis unit which grasps a change in the value of the cashable liquid asset based on the information changed by the death reflecting unit in the asset / liability information and the income / expenditure / other information; A residential asset analysis unit which grasps a change in the value of the residential asset over time based on the real estate asset information included in the asset / liability information; A net asset analysis unit for detecting a change in the value of the net assets of the customer over time based on the change in the value of the fixed asset and the change in the value of the current asset, as identified by the fixed asset analysis unit and the current asset analysis unit; And a result output unit which displays the result values of the fixed asset analyzer, the current asset analyzer, the residential asset analyzer and the net asset analyzer over time.

The data input unit may include a basic data input unit for receiving asset / liability information and income / expenditure / other information; And a death point input unit configured to receive an expected death point of the economic subject of the customer family.

The asset / liability information may include real estate asset information, other fixed asset information, debt information, general financial information, investment finance information, insurance information, and the income / expenditure / other information includes income information, expected income information, and assets. It may include purchase information, child expenditure information, monthly living expenses information.

The death reflecting unit may delete the earned income received after the economic agent's death, and if the income of the non-deceased spouse can be generated, the income of the non-deceased spouse may be added to the earned income. After this point, the monthly living expenses information may be changed to an amount determined at the time of survival of the spouse alone.

According to another aspect of the present invention, a method of predicting a financial condition of a customer is provided by the financial condition prediction system.

The method of predicting the financial state of the customer by the financial condition prediction system may include receiving input from the customer of the economic subject's death in addition to basic data on asset / liability information and income / expenditure / other information; Changing the asset / liability information and income / expenditure / other information based on the death point; Identifying a change in the value of all fixed assets over time based on real estate asset information and other fixed asset information included in the asset / liability information; Identifying a change in the value of the cashable current asset on the basis of information changed in the death reflecting unit in asset / liability information and income / expenditure / other information; Identifying a change in the value of a residential asset over time based on the real estate asset information included in the asset / liability information; Identifying a change in the value of the net asset of the customer over time based on the change in the value of the fixed asset and the change in the value of the current asset, which are identified by the fixed asset analysis unit and the current asset analysis unit; And displaying a change in value of the fixed assets, current assets, residential assets, and net assets over time.

According to the present invention, it is possible to provide a financial state prediction method and system for predicting a future financial state by analyzing the relationship between a net asset and a fixed asset (especially a residential asset) over time. In addition, it is possible to provide a financial state prediction method and system for predicting the change in the financial state according to the death of the economic subject.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. In addition, the terms “… unit”, “… unit”, “module”, etc. described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software. have.

As used herein, "assets" refer to goods of economic value and include funds, deposits, pensions, insurance, real estate, cash, and the like. In addition, the term "debt" refers to the obligation to repay the money paid on the premise of borrowing goods or services, and short-term debt (minus passbook, bank loan, card loan, etc.) and long-term debt. Include debt (real estate loans, mortgages, etc.).

In this specification, "fixed assets" includes "real estate assets" for housing, non-residential, land, and the like, and "other fixed assets" for lease deposits, rental rights, etc., except for real estate related matters. In addition, "residential asset" means an asset for housing among "real estate assets."

In the present specification, "current assets" are assets that can be cashed at any time, and "regular finance" and stocks and bonds for the MMDA, money market funds, term deposits, etc. And "investment financing" for derivatives, etc.

In this specification, "net asset" refers to the amount of money less a debt.

Now, a financial state prediction method and system according to an embodiment of the present invention will be described in detail with reference to the drawings.

<Example 1>

Embodiment 1 of the present invention predicts the future financial state of the customer over time, based on the information input by the customer.

1 is a block diagram of a financial state prediction system according to Embodiment 1 of the present invention.

Referring to FIG. 1, the financial state prediction system 100 according to the first embodiment of the present invention includes a data input unit 110, a fixed asset analysis unit 120, a current asset analysis unit 130, and a residential asset analysis unit 140. ), The net asset analysis unit 150, a result output unit 160 and the control unit 170. Each structure of FIG. 1 is demonstrated as follows.

The data input unit 110 receives information of a customer for predicting the financial condition. In this case, the information received from the customer includes "assets / liabilities information" and "import / expense / other information", and the "assets / liabilities information" includes real estate assets, other fixed assets, liabilities, general finance, investment finance, and insurance. "Income / Expenditure / Other Information" includes information on income, expected income, asset purchases, child expenses, monthly living expenses, and retirement plans. Hereinafter, each information received from the customer will be described in detail. 2A, 2B, 2C, and 2D are examples of screens for receiving information from a customer through the data input unit 110 of the present invention.

"Real Estate Property Information" includes residential property, non-residential property owned by the customer, current prices for the land, current and future expected rates of increase and decrease, and timing of disposal.

“Other fixed assets information” includes lease deposits, current prices for lease rights, and timing of recovery, except for real estate matters.

"Debt Information" includes the method of repayment of the debt held by the customer, the starting and remaining repayment period, interest rate, monthly payment, and so on. At this time, the repayment method is "payment of maturity", which is repaid at the time of maturity, "equal payment of principal" which repays principal and interest uniformly during repayment period, or "equal repayment of principal" which repays principal regularly during repayment period. Or the like.

"General financial information" includes the amount currently deposited in the customer's account and the amount to be accumulated.

"Investment financial information" includes current prices, monthly payments, past months, annual returns, etc. on funds, stocks, bonds, etc. held by the customer. At this time, the fund may be earned or deferred.

"Insurance information" includes monthly payments, remaining period, expiration date, etc. for various insurances held by the customer. The insurance held by the customer may vary from life, pension, variable pension, term, cancer, health, injury and death insurance.

"Income Information" refers to the customer's regular income, including the type of income, start, end, and expected rates of increase, including work, business, pensions, interest, dividends, leases and other income. In this case, the expected increase and decrease rate is a 'change rate' input by predicting how much the corresponding income will increase each year, and may store the price increase rate as a default value.

"Expected income information" refers to the customer's irregular income, classified as inheritance, gift, and other income items, including the current price, time of receipt, and rate of increase and decrease for each item.

"Asset purchase information" is about residential, non-residential, and other assets that the client expects to purchase in the future. It includes expected prices and timing of purchases for residential, non-residential and other property items.

"Child Spending Information" includes the client's current child, the number of children born in the future, and the cost of raising each child. In this case, the cost of raising the child includes cost information necessary for preschool, elementary, middle, high school, university, graduate school, study abroad, etc., and each cost information is pre-stored with statistics, and the customer adjusts the ratio to the child. You can control how much you spend.

"Monthly living expenses information" refers to the expenses necessary for daily life of the customer.

"Information about retirement plans" refers to the costs of daily living from the next year when the customer's income stops working. In this case, the expenditure may be set as a default value of the final monthly living expenses, deducting a certain ratio, and when the spouse alone survives, 60% of the amount deducted by the constant ratio may be set as a default value.

The fixed asset analysis unit 120 determines the change in the value of the entire fixed asset over time based on the "real estate asset information" and "other fixed asset information" input by the customer.

Specifically, the change in the value of a "real estate asset" over time is calculated based on the present price, the current and future expected increase and decrease, and the timing of disposition, entered by the customer for each asset. Assets entered by the customer are calculated by changing the value over time to reflect the expected increase and decrease from the current price.When the asset is disposed of, each asset is deleted from the fixed asset, and the future value of the asset at the time of disposal is fixed. Is added to the asset.

In addition, the change in the value of the “other fixed assets” over time is calculated based on the present price and recovery timing entered by the customer for each asset. When each asset entered by the customer reaches its recovery time, each asset is removed from the fixed asset and the future value of the asset at the time of recovery is added to the current asset.

Fixed assets are calculated as the sum of "real estate assets" and "other fixed assets," and changes in the value of fixed assets over time are the sum of the values of "real estate assets" and "other fixed assets" over time. Is calculated.

The liquid asset analysis unit 130 calculates the value of the asset that can be cashed at any time, based on the information input by the customer through the data input unit 110. The value of current assets over time is the sum of the values of general financial information, investment financial information, income information, and expected income information entered by the customer, debt information, insurance information, asset purchase information, child expenditure information, monthly It is calculated by subtracting the sum of the values of the cost of living information (or the information about the retirement plan). Specifically, the method of calculating the current asset is as follows.

"General financial information" refers to the amount of money currently deposited in the customer's account and the amount to be accumulated later. The liquid asset analysis unit 130 may calculate the amount of the general financial information input by the customer within the number of months and the remaining period. The increased value based on annual returns is added to the current asset, and after a certain period of time, it is added to the current asset at a predetermined deposit rate.

"Investment finance information" refers to the present price, monthly payment, number of months passed, and annual return on funds, stocks, bonds, etc. held by the customer, and the liquid asset analysis unit 130 expires for each investment finance information input by the customer. When it arrives, the value reflecting the annual return over the investment period is added to the current asset, and after the investment period has elapsed, it is added to the current asset at the pre-determined deposit rate.

"Income information" is about the regular income of the customer, the liquid asset analysis unit 130 calculates the liquid assets based on the start time, end time, expected increase and decrease rate of each income input by the customer. In the case of earned income, the severance pay is calculated according to the number of working years and added to the current asset at the time of retirement.

"Expected income information" refers to the irregular income of the customer, such as inheritance, gift, etc., the liquid asset analysis unit 130 calculates the current assets, based on the current price, steaming time, increase and decrease rate for each item entered by the customer do. The liquid asset analysis unit 130 adds a future value reflecting the increase / decrease rate to the current asset when the steam reaches the time of receipt.

"Debt Information" Information on the debt held by the customer, the liquid asset analysis unit 130 subtracts the repayment cost for each debt at the time of repayment of each debt in the calculated liquid assets.

"Insurance information" refers to monthly payments, remaining period, and maturity of various insurances held by customers, each of which is reflected in current assets in accordance with the applicable terms and conditions. For example, mortality insurance is added to current assets as cash income at the expected life expectancy and pension insurance is added to current assets as a continuous cash income after a certain point in accordance with the relevant terms.

"Asset purchase information" refers to residential, non-residential, and other assets that the customer expects to purchase in the future. The liquid asset analysis unit 130 is based on the estimated price and purchase time of each item entered by the customer. At the time of purchase, the expected price is subtracted from the current asset. On the other hand, assets purchased at the time of purchase are added to residential and fixed assets by the purchase price.

"Child spending information" is the customer's current child and the number of children born in the future, the cost required to raise each child, the liquid asset analysis unit 130 each expense entered by the customer in each period from the sum of the liquid assets Subtract.

"Monthly living expenses information" is a cost required for everyday life, the liquid asset analysis unit 130 subtracts the monthly living expenses information input by the customer from the total of the liquid assets. In addition, the liquid asset analysis unit 130 subtracts the cost input by the customer as "information about the plan after retirement" from the following year when the customer's income is stopped.

The residential asset analysis unit 140 calculates a change in the value of the residential asset over time. The residential asset analysis unit 140 calculates a change in the value of the residential asset based on the present price inputted by the customer and the expected increase and decrease of the present and future. Thereafter, when the disposal time input by the customer is reached, the residential asset analysis unit 140 deletes the residential asset input by the customer. On the other hand, the future value of the residential asset at the time of disposal is added to the current asset in the current asset analysis unit 130.

The net asset analysis unit 150 determines the net asset of the customer over time based on the information input by the customer. Specifically, the net asset analysis unit 150 calculates by adding the sum of the "fixed assets" to the sum of the "current assets" over time.

Net assets are the total assets held by a customer, less liabilities, of available assets throughout the customer's life. If the net asset value calculated by the net asset analysis unit 150 is less than 0, it means that "there is nothing left to dispose of everything."

The result output unit 160 displays the result values of the fixed asset analyzer 120, the current asset analyzer 130, the residential asset analyzer 140, and the net asset analyzer 150 over time.

That is, the results of the fixed asset analysis unit 120, the current asset analysis unit 130, the residential asset analysis unit 140, the net asset analysis unit 150 are all "fixed assets", "current assets" that differs over time , "Dwelling assets" and "net assets" is a change in the value, the result output unit 160 displays each value change graph on one screen. 3 is an example of a screen output from the result output unit 160 according to an embodiment of the present invention.

The graph of the change in the values of "fixed assets", "current assets", "residential assets" and "net assets" displayed in the result output unit 160 shows the weight and the overall flow of each asset. This allows customers to determine the adequacy of financial flows. For example, the point at which the value change graph of "net assets" goes below the value change graph of "residential assets" can be understood as "nothing but home."

The controller 170 operates the data input unit 110, the fixed asset analysis unit 120, the current asset analysis unit 130, the residential asset analysis unit 140, the net asset analysis unit 150, and the result output unit 160. To control.

Now, a financial state prediction method according to Embodiment 1 of the present invention will be described with reference to the drawings.

4 is a flowchart illustrating a financial state prediction method according to Embodiment 1 of the present invention.

Referring to FIG. 4, the financial state prediction system 100 according to the first embodiment of the present invention receives customer information for financial state prediction (S101). In this case, the information received from the customer includes "assets / liabilities information" and "import / expense / other information", and the "assets / liabilities information" includes real estate assets, other fixed assets, liabilities, general finance, investment finance, and insurance. "Income / Expenditure / Other Information" includes information on income, expected income, asset purchases, child expenses, monthly living expenses, and retirement plans.

Financial state prediction system 100, based on the "real estate asset information" and "other fixed asset information" entered by the customer, to grasp the change in the value of the entire fixed asset over time (S102).

The financial state prediction system 100 grasps the change of the value of the current asset over time based on the information input by the customer (S103). The value of current assets over time is the sum of the values of general financial information, investment financial information, income information, and expected income information entered by the customer, debt information, insurance information, asset purchase information, child expenditure information, monthly It is calculated by subtracting the sum of the values of the cost of living information (or the information about the retirement plan).

The financial state prediction system 100 grasps the change in the value of the residential asset over time (S104).

The financial state prediction system 100 grasps the change in the value of the net asset over time based on the information input by the customer (S105). Specifically, it is calculated by adding the sum of "fixed assets" to the sum of "current assets" over time.

Thereafter, the financial condition prediction system 100 displays a graph of changes in values of other "fixed assets", "current assets", "residential assets" and "net assets" over time (S106).

At this time, the step of identifying the change in the value of the fixed asset (S102), the step of identifying the change in the value of the current asset (S103), the step of identifying the change in the value of the residential asset (S104) and the step of identifying the change in the value of the net assets of the customer S105 may be changed in order, or may be performed in parallel.

According to the first embodiment of the present invention, the result output unit 160 displays the change in the value of the net assets and residential assets over time. This allows the customer to determine the adequacy of the net asset in relation to the residential asset. In other words, the future financial stability can be identified through the relationship between net assets and fixed assets (especially residential assets) over time.

Specifically, the point in time when the value change graph of the net asset output from the result output unit 160 goes down below the value change graph of the residential asset has a meaning of "nothing is left except for the house," and the value change graph of the net asset is "0." "If you go down, it means" there is nothing left to dispose of all the assets you have. "

<Example 2>

Embodiment 2 of the present invention predicts a changing financial position when the economic subject of a customer's household dies.

5 is a block diagram of a financial state prediction system according to a second embodiment of the present invention.

Referring to FIG. 5, the financial state prediction system 200 according to the second embodiment of the present invention includes a data input unit 210, a death reflecting unit 220, a fixed asset analyzing unit 230, and a liquid asset analyzing unit 240. , The residential asset analyzer 250, the net asset analyzer 260, a result output unit 270, and a controller 280. Each configuration of FIG. 5 will be described below.

The data input unit 210 includes a basic data input unit 211 and the time of death input unit 212, in addition to the basic data on the customer's "assets / liabilities information" and "import / expenditure / other information", Enter the time of death. Looking at each configuration of the data input unit 210 as follows.

Basic data input unit 211 performs the same operation as the data input unit 110 of the first embodiment of the present invention. Specifically, the basic data input unit 211 receives "asset / liabilities information" and "import / expenditure / other information" from the customer, "asset / liabilities information" is real estate assets, other fixed assets, liabilities, general finance, It includes information on investment finance, insurance, and "income / expenditure / other information" includes information on income, expected income, asset purchases, child expenses, monthly living expenses, and retirement plans.

The death point input unit 212 receives an expected death point of the economic subject of the customer's household. In this case, the time of death may be input by a method in which a customer directly inputs a number or moves a scroll for setting a time of death on a screen.

The death reflection unit 220 is based on the death point of the economic subject input through the death point input unit 212, the "assets / liabilities information" and "import / expenditure /" of the customer input through the basic data input unit 211 Other information ".

Specifically, looking at the operation of the death time reflecting unit 220 is as follows.

After the death point of the economic subject, the death reflecting unit 220 deletes the labor income received through the basic data input unit 211. On the other hand, if the income of the spouse who has not died is possible, the death reflection unit 220 adds the income of the spouse who has not died. At this time, the income of the spouse may be arbitrarily set.

The death reflecting unit 220 changes the monthly living expenses information (or information on the retirement plan) to the amount determined at the time of survival of the spouse alone. In addition, an item is created at the time of the economic death of the subject for additional expenditures incurred in the event of economic death (eg, funeral costs and other possible costs).

The fixed asset analysis unit 230 determines a change in the value of the entire fixed asset over time based on the "real estate asset information" and "other fixed asset information" input by the customer. That is, the fixed asset analysis unit 230 performs the same operation as in the first embodiment of the present invention.

The liquid asset analysis unit 240 calculates the value of an asset that can be cashed at any time, based on the information of the customer input through the basic data input unit 211 and the information modified by the death reflecting unit 220.

Specifically, the value of current assets over time is the sum of the values of general financial information, investment financial information, income information, and expected income information input by the customer, debt information, insurance information, asset purchase information, and child expenditure. It is calculated by subtracting the sum of the value of the information and monthly living expenses information (or information about the retirement plan).

In this case, the income information, monthly living expenses information is calculated as a value modified in the death reflecting unit 220, and also additional expenses (eg, funeral expenses, etc.) generated in the death reflecting unit 220 incurred Possible costs) are subtracted from the total of current assets.

The residential asset analysis unit 250 calculates a change in the value of the residential asset over time. That is, the residential asset analysis unit 250 performs the same operation as in the first embodiment of the present invention.

The net asset analysis unit 260 determines the net asset of the customer over time based on the information input by the customer. The net asset analysis unit 260 is calculated by adding the value of the "current assets" calculated by the floating asset analysis unit 240 to the value of the "fixed asset" calculated by the fixed asset analysis unit 230.

The result output unit 270 displays the results of the fixed asset analysis unit 230, the current asset analysis unit 240, the residential asset analysis unit 250 and the net asset analysis unit 260 over time. That is, the results of the fixed asset analysis unit 230, the current asset analysis unit 240, the residential asset analysis unit 250 and the net asset analysis unit 260 are all "fixed assets", "current assets" over time , “Residential assets” and “net assets” are the changes in value, and the result output unit 270 outputs a graph of each value change, thereby displaying the changed financial state according to the death of the economic subject on one screen.

The control unit 280 is a data input unit 210, death reflecting unit 220, fixed asset analysis unit 230, current asset analysis unit 240, residential asset analysis unit 250, net asset analysis unit 260 and results The operation of the output unit 270 is controlled.

6 is a flowchart showing a method of predicting financial condition according to Embodiment 2 of the present invention.

Referring to FIG. 6, the financial state prediction system 200 according to the second embodiment of the present invention receives “asset / liability information” and “import / expenditure / other information” from a customer (S201). Thereafter, the financial state prediction system 200 receives the expected death time of the economic subject of the customer's family (S202).

Subsequently, the financial state prediction system 200 changes the "entertainment / debt information" and "import / expenditure / other information" of the input customer based on the death point of the economic subject (S203).

Specifically, the step (S203) of changing the "asset / liabilities information" and "import / expenditure / other information" of the input customer can be implemented as follows.

i) The earned income of the economic subject after the economic subject's death is deleted; iii) monthly living expenses information (or information about retirement plans) is changed to the amount determined at the time of spouse's sole survival, and iv) additional expenses incurred in the event of death of the economic entity (e.g. Is generated).

Thereafter, the financial condition prediction system 200 determines the change in the value of the entire fixed asset over time based on the "real estate asset information" and "other fixed asset information" input by the customer (S204).

Financial state prediction system 200, based on the information input by the customer, to grasp the change in the value of the current asset over time (S205).

The financial state prediction system 200 detects a change in the value of the residential asset over time (S206).

The financial state prediction system 200 grasps the change in the value of the net asset over time based on the information input by the customer (S207). Specifically, it is calculated by adding the sum of "fixed assets" to the sum of "current assets" over time.

Thereafter, the financial state prediction system 200 displays a graph of changes in values of other "fixed assets", "current assets", "residential assets" and "net assets" over time (S208).

At this time, determining the change in the value of the fixed asset (S204), the step of identifying the change in the value of the current asset (S205), the step of identifying the change in the value of the residential asset (S206) and the step of identifying the change in the value of the net assets of the customer The order S207 may be changed, or may be performed in parallel.

According to the second embodiment of the present invention, the customer can grasp the change in the overall financial condition according to the change in the death point of the economic subject. Therefore, the customer can easily grasp the net asset flow according to the death of the economic subject, and can accurately compare and analyze the degree of financial risk according to the death of the economic subject.

The embodiments of the present invention described above are not implemented only through the apparatus and the method, but may be implemented through a program for realizing a function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded. Implementation may be easily implemented by those skilled in the art from the description of the above-described embodiments.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

1 is a block diagram of a financial state prediction system according to Embodiment 1 of the present invention.

2A, 2B, 2C, and 2D are examples of screens for receiving information from a customer through the data input unit 110 of the present invention.

3 is an example of a screen output from the result output unit 160 according to an embodiment of the present invention.

4 is a flowchart illustrating a financial state prediction method according to Embodiment 1 of the present invention.

5 is a block diagram of a financial state prediction system according to a second embodiment of the present invention.

6 is a flowchart showing a method of predicting financial condition according to Embodiment 2 of the present invention.

Claims (14)

A data input unit for receiving asset / liability information and income / expenditure / other information from a customer; A fixed asset analysis unit that detects a change in the value of all fixed assets over time based on real estate asset information and other fixed asset information included in the asset / liability information; A liquid asset analysis unit which grasps a change in the value of a liquid asset that can be cashed over time, based on the asset / liability information and income / expenditure / other information; A residential asset analysis unit which grasps a change in the value of the residential asset over time based on the real estate asset information included in the asset / liability information; A net asset analysis unit for detecting a change in the value of the net assets of the customer over time based on the change in the value of the fixed asset and the change in the value of the current asset, as identified by the fixed asset analysis unit and the current asset analysis unit; And It includes a result output unit for displaying the result of the fixed asset analysis unit, current asset analysis unit, residential asset analysis unit and net asset analysis unit over time Financial Prediction System. The method of claim 1, The asset / liability information includes real estate asset information, other fixed asset information, debt information, general financial information, investment finance information, insurance information, and the income / expenditure / other information includes income information, expected income information, and asset purchase information. , Child expenses information, monthly living expenses information Financial Prediction System. The method of claim 2, The real estate asset information includes the customer's residential assets, non-residential assets, the current price of the land, the current and future expected increase and decrease rates, the timing of disposal, The other fixed asset information includes the current price and recovery time for fixed assets, except for real estate, The debt information includes the repayment method, start time and remaining repayment period, interest rate, monthly payment amount for the debt held by the customer, The general financial information includes the amount currently deposited in the customer's account and the amount to be accumulated later, The investment financial information includes the current price, monthly payment, number of months passed, and annual rate of return for funds, stocks, bonds, etc. held by the customer, The insurance information includes monthly payments, remaining periods, and maturity points for various insurances held by the customer. Financial Prediction System. The method of claim 3, The income information includes the type of income, start time, end time, expected increase and decrease rate for the regular income of the customer, The expected income information includes the current price, steaming period, increase and decrease rate of the customer's irregular income, The asset purchase information includes expected prices for residential, non-residential and other assets, and timing of purchase, which the client expects to purchase in the future. The child spending information includes the current child and the number of children to be born in the future, characterized in that the costs required for raising each child Financial Prediction System. The method of claim 4, wherein The change in the value of the fixed asset identified by the fixed asset analysis unit is calculated as the sum of the values of real estate assets and other fixed assets over time, The value of a real estate asset over time is calculated based on the current price, current and future expected rate of increase and decrease, and when the customer entered for each asset. The value of other fixed assets over time is calculated on the basis of the present price and time of recovery entered by the customer for each asset. Financial Prediction System. The method of claim 5, The change in the value of the current asset identified by the current asset analysis unit is the sum of the values of the general financial information, investment financial information, income information, expected income information input by the customer, debt information, insurance information, asset purchase information, children It is calculated by subtracting the sum of the value of expenditure information and monthly living expenses information. Financial Prediction System. The method of claim 6, The change in the value of the residential asset identified by the residential asset analysis unit is calculated based on the present value of the residential asset input by the customer, the present and future expected increase and decrease rates. In the way the financial forecasting system predicts the financial status of a customer, Receiving asset / liability information and income / expenditure / other information from the customer; Identifying a change in the value of all fixed assets over time based on real estate asset information and other fixed asset information included in the asset / liability information; Identifying a change in the value of a cashable liquid asset over time based on the asset / liability information and income / expenditure / other information; Identifying a change in the value of a residential asset over time based on the real estate asset information included in the asset / liability information; Identifying a change in the value of the net asset of the customer over time based on the change in the value of the fixed asset and the change in the value of the current asset, which are identified by the fixed asset analysis unit and the current asset analysis unit; And Displaying a change in value over time of the identified fixed asset, current asset, residential asset and net asset; Method of forecasting financial position. A data input unit for receiving an economic entity's death point in addition to basic data on asset / liability information and income / expenditure / other information from a customer; A death reflecting unit for changing the asset / liability information and income / expenditure / other information based on the death point; A fixed asset analysis unit that detects a change in the value of all fixed assets over time based on real estate asset information and other fixed asset information included in the asset / liability information; A liquid asset analysis unit which grasps a change in the value of the cashable liquid asset based on the information changed by the death reflecting unit in the asset / liability information and the income / expenditure / other information; A residential asset analysis unit which grasps a change in the value of the residential asset over time based on the real estate asset information included in the asset / liability information; A net asset analysis unit for identifying a change in the value of the customer's net assets over time based on the change in the value of the fixed asset and the change in the value of the current asset identified by the fixed asset analysis unit and the current asset analysis unit; And It includes a result output unit for displaying the result of the fixed asset analysis unit, current asset analysis unit, residential asset analysis unit and net asset analysis unit over time Financial Prediction System. The method of claim 9, The data input unit, Basic data input unit for receiving asset / liabilities information and income / expenses / other information; And A financial condition forecasting system comprising a death point input section for receiving an estimated death point for an economic subject of a customer's household. The method of claim 10, The asset / liability information includes real estate asset information, other fixed asset information, debt information, general financial information, investment finance information, insurance information, and the income / expenditure / other information includes income information, expected income information, and asset purchase information. , Child expenses information, monthly living expenses information Financial Prediction System. The method of claim 11, The death reflecting unit, After the death of the economic subject, the earned income received is deleted, If the income of the spouse who has not died is possible, the income of the spouse who has not died is added to the earned income. Financial Prediction System. The method of claim 12, The death reflecting unit, After the death of the economic subject, the monthly living expenses information is changed to the amount determined at the time of survival of the spouse alone. Financial Prediction System. In the way the financial forecasting system predicts the financial status of a customer, Receiving a death point of an economic subject in addition to basic data on asset / liability information and income / expenditure / other information from the customer; Changing the asset / liability information and income / expenditure / other information based on the death point; Identifying a change in the value of all fixed assets over time based on real estate asset information and other fixed asset information included in the asset / liability information; Identifying a change in the value of the cashable current asset based on the changed information in the death reflecting unit in the asset / liability information and the income / expenditure / other information; Identifying a change in the value of a residential asset over time based on the real estate asset information included in the asset / liability information; Identifying a change in the value of the net asset of the customer over time based on the change in the value of the fixed asset and the change in the value of the current asset, which are identified by the fixed asset analysis unit and the current asset analysis unit; And Displaying a change in value over time of the identified fixed asset, current asset, residential asset and net asset; Method of forecasting financial position.

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