KR20200049553A - Method for providing financial product for investment - Google Patents

Abstract

The present invention relates to a method for providing an investment product to directly invest in North Korea. According to an embodiment of the present invention, the method comprises: a North Korea investment product subscription guide providing process of allowing a financial institution server to provide an investor terminal with subscription guide for a North Korea investment product including a North Korea investment fund invested in North Korea and a unification subscription deposit which provides preference for using facilities in North Korea, a rental real estate subscription chance, and hiring priority; a North Korea investment product subscription guide display process of allowing the investor terminal to display the subscription guide for the North Korea investment product provided from the financial institution server; a North Korea investment product subscription application process of allowing the investor terminal to receive investor subscription information from an investor to apply the North Korea investment product; an investor subscription information providing process of allowing the investor terminal to provide the investor subscription information inputted from the investor to the financial institution server; and an investor subscription approval determination process of allowing the financial institution server to determine whether the investor is subscribed for the North Korea investment product based on the investor subscription information received from the investor terminal. The North Korea investment fund includes a general fund invested regardless of a kind of a development project and a development project fund invested in each North Korea development project and an investment ratio between the general fund and the development project fund is changed.

Description

Method for providing financial product for investment

The present invention relates to a method for providing an investment financial product, which is capable of directly investing in North Korea.

Recently, real estate prices have skyrocketed and the advent of the peace era in North and South Korea has become an issue.

In relation to the real estate price skyrocketing issue, the sudden rise in prices in Seoul and some parts of the province has become a problem because the floating funds, which are overflowing in the market today, are more than 1200 trillion won, but there are no reasonable investment alternatives other than real estate. Although policy makers have announced various measures to curb demand, they are expected to have no effect without addressing the excess liquidity while opening the course for sale to real estate holders in key areas.

Regarding the issue of peace between the two Koreas, North and South Korea are leading in the current government so that the two Koreas first create an atmosphere and take steps toward peace and unification, so that conservative hardliners in the United States or Japan will dismiss the lukewarm attitude and agree to the inter-Korean relations of peace and reconciliation. As it announces measures for reconciliation of cooperation, it is pursuing a multilateral foreign policy that seeks the cooperation and understanding of internationally influential countries and organizations.

North Korea has transferred energy resources such as crude oil and gas from China and Russia free of charge, and has transferred numerous resource mining and development rights to the two countries in exchange. The reconciliation between the two Koreas is expected to require tens of trillion won in the cost of installing North Korea's basic network (railway, road, electricity, communication), and it is reported that the budget for North Korea in 2019 will be at least 450 billion won.

North Korea's resource development, tourism, railway, road, and telecommunications projects will be the best investment alternative in Northeast Asia.

However, large group participation in North Korea's initial development project is expected to result in the fact that the large group-led growth of the Park Jeong-hee era is similarly applied to North Korea again, resulting in fattening of large-scale financial companies. Also, the government's budget for investing North Korea's initial development costs for several years seems unlikely to be actively opposed by some conservative groups and far-right political forces. Therefore, it would not be feasible to expect that the National Assembly would make a preliminary agreement with the DPRK to execute tens of trillion won in advance investment in North Korea.

In the event that the government is unable to put in the budget and is delaying time, Korea's rapid investment is requested because the US and Japanese funds will make bold pre-investments in the areas where they benefit.

Meanwhile, about 150 trillion won of fund products have been launched in the domestic financial market, and among them, a unified fund related to North Korean investment has been released and sold.

However, the unified funds currently being sold are only securities portfolio products that invest in the stocks of companies entering North Korea, companies related to North Korea, and listed companies that are promising to enter North Korea.

Currently, domestic laws do not allow individuals to send money directly to North Korea, and of course there is no direct way for North Korean government, affiliated organizations, or individuals with Korean citizenship to invest in industrial or commercial facilities. Even if a domestic company invests in North Korea's infrastructure or development projects, it requires a government-authorized permit process, which is currently impossible.

The United States-led sanctions against North Korean investment, trade bans and funding bans, which are also sanctioned by the United Nations, are also making direct investment in North Korea impossible and making it difficult for Korean companies to enter North Korea.

If South Korea and North Korea signed a peace treaty and agreed to open a tourism agreement, free trade, free trade, and joint development of North Korea, the United States and Japan, for whatever reason, would have their business advance into North Korea and retain them. It will pressure South Korea and North Korea to secure preferential investment conditions for technology and capital.

As a result, while seeking ways to enable South Korea to invest directly in North Korea, while finding ways to ensure that all citizens can participate, they raise funds to invest in North Korea while addressing domestic opposition and delays in budget support. We really need a realistic way to do it.

Korean Registered Patent No. 10-0524822

The technical problem of the present invention is to provide a North Korean investment financial product that can directly invest in North Korea so as to solve the opposition and the delay in the North Korean aid project.

An embodiment of the present invention is a North Korean investment financial product that includes a unified subscription savings in which a financial institution server provides preferential benefits to North Korean investment funds invested in North Korean development projects, facility use in North Korea, and provides real estate rental subscription opportunities and employment priorities. A process for providing a guide to signing up for a North Korean investment financial product that provides a guide to joining an investor; A North Korean investment financial product subscription guide display process in which the investor terminal displays a North Korean investment financial product subscription guide provided from a financial institution server; The investor terminal receives an investment subscription information from an investor, and receives a North Korean investment financial product subscription application process; An investor subscription information providing process in which the investor terminal provides investor subscription information input from an investor to a financial institution server; And the financial institution server, based on the investor subscription information provided from the investor terminal, the investor approval approval decision process for determining whether to invest in North Korean investment financial products; includes, the North Korean investment fund, the type of development business It includes a comprehensive fund that is invested regardless of, and a development project fund that is invested by each North Korean development project, and it can be characterized by that the investment ratio is differently configured between the general fund and the development business fund.

In the case of providing the North Korean Investment Fund's subscription information to the investor terminal, the North Korean investment financial product subscription guidance provision process includes the basic investment in which the North Korean investment method information including the total amount of investment, the investment period, the target rate of return, and the method of refunding the investment is recorded. The intent can be sent to the investor terminal.

In the case where the investment ratio between the comprehensive fund and the development business fund is different from each other, the investment amount of the basic investment ratio set in advance among the subscription amounts of the comprehensive fund is firstly recruited, and the first investment is not enough, and the second investment is additionally recruited. The investment may be characterized in that the second investment is recruited from the subscription amount of the development business fund matching the business to be invested.

If the subscription amount of the development business fund matching the project to be invested does not meet the set second investment recruitment amount, within the limit of the under-recruitment amount, additional investment intentions to subscribers of the general fund or subscribers of unified subscription savings will be sent to the investor terminal. Can be.

In the process of applying for the subscription to the North Korean investment financial product, a certain percentage of the investment allocation amount is given to the depositor for each fund that is subsequently invested in an agreement in which the investment of the basic investment ratio, which is set in advance among the subscription amounts of the comprehensive fund, is collectively agreed to the primary investment recruitment. It can be submitted at the time of initial sign-up of the comprehensive fund by indicating that it does not notify whether or not to agree to a separate investment.

The development business fund includes a resource fund invested in a resource-related business located in North Korea; Tourism funds invested in North Korea's tourism-related projects; A railroad fund invested in North Korea's transportation network-related projects; Electricity / electronics / communication funds invested in North Korea's electricity / electronics / communications related businesses; A culture and arts fund invested in North Korea's culture and arts related projects; Light industry funds invested in North Korea's light industry-related projects; Heavy industry funds invested in North Korea's heavy industry-related projects; Health drug funds invested in North Korea's health-related businesses; And real estate funds invested in North Korea's real estate-related businesses; Any one or more may be included.

It may be characterized by first providing a guarantee of employment when there is an opportunity to hire a foreigner in North Korea for the savings and the immediate family of savings who have saved more than the standard period and the standard amount set for saving the unified subscription.

Priority can be given to real estate rental subscriptions in certain areas where foreign investment in North Korea is possible, and certain benefits can be given to tourists, lodging, roads, railroads, etc. have.

The North Korean investment fund may be characterized as a fund in which the North Korean government and the South Korean government guarantee payment for principal and interest, and a joint guarantee for payment is provided by financial institutions that handle and sell products.

The development project fund may be characterized in that only the development project fund matching the North Korean development project whose issue rating calculated for each North Korean development project exceeds a preset reference rating.

Development of the project fund whose issue rating exceeds the standard rating is guaranteed to be paid to the North Korean government agency server and the South Korean government agency server, and the payment guarantee for the principal and interest has been confirmed by both the North Korean government agency and the South Korean government agency. It can be characterized by commercialization only for business funds.

According to the embodiment of the present invention, it is possible to provide an opportunity for direct investment in North Korea, in which the nationwide spread of unification enthusiasm and the majority of the citizens can participate equally. In addition, it is possible to resolve the failure of the North Korean aid project and the delay in the development investment project due to controversy over whether or not the North Korean government will over-supply the North Korean government and controversy over budgeting. In addition, it is possible to form a national consensus as a project in which all citizens participate in a state-led, large-scale, pre-investment method in which only large and foreign companies are forced to take profits. In addition, it will help to recover 1,500 trillion dollars of floating funds on the market, and it is expected to have some effect on preventing the spread of real estate speculation.A lot of North Korean funds and unification subscription savings form a national consensus, surpassing the existing indirect investment funds related to North Korea. If the savings are received, the ripple effect can have a great ripple effect on the domestic and international unification conditions.

1 is a block diagram of a system for providing investment financial products according to an embodiment of the present invention.
Figure 2 is a block diagram of a financial institution server according to an embodiment of the present invention.
Figure 3 is a flow chart of a method for providing investment financial products according to an embodiment of the present invention.
Figure 4 is a diagram showing a procedure in which payment guarantees are made for a North Korean investment fund according to an embodiment of the present invention.
Figure 5 is an illustration showing an icon that can receive information on the North Korean investment financial products according to an embodiment of the present invention.

Hereinafter, advantages and features of the present invention, and methods for achieving them will be clarified with reference to embodiments described below in detail together with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but will be implemented in various different forms, and is provided to completely inform the person of ordinary skill in the art to which the present invention belongs. As such, the invention is only defined by the scope of the claims. In addition, in the description of the present invention, if it is determined that related known technologies may obscure the subject matter of the present invention, detailed descriptions thereof will be omitted.

1 is a block diagram of a system for providing an investment financial product according to an embodiment of the present invention, and FIG. 2 is a block diagram of a financial institution server according to an embodiment of the present invention.

In this specification, the term "North Korea Investment Fund" refers to a financial product in which a financial institution that is a specialized investment institution collects money from the general public to invest in the North Korean development business and distribute the profits raised there back to investors.

The investment financial product providing system of the present invention may include a wired / wireless communication network 100, an investor terminal 200, and a financial institution server 300, as shown in FIG.

The wired / wireless communication network 100 is a communication network supporting wired communication or wireless communication between the investor terminal 200 and the financial institution server 300. When the wired / wireless communication network 100 is implemented as a wireless communication network, a wireless mobile communication network including a base transceiver station (BTS), a mobile switching center (MSC), and a home location register (HLR) may be used. Data communication. In addition, when the wired / wireless communication network 100 is implemented as a wired communication network, data communication may be performed according to an Internet protocol such as Transmission Control Protocol / Internet Protocol (TCP / IP).

Investor terminal 200 is a North Korean investment fund that is invested in North Korean development projects, North Korean investment including unified subscription savings, including unified subscription savings that give preferential benefits to the use of facilities in North Korea and provide real estate rental subscription opportunities and employment priorities. As a terminal used by investors who want to join financial products, a smartphone is used as an example in the drawings, but not only a smartphone but also a desktop PC, a tablet PC, and a slate PC. ), A notebook computer, and the like. Of course, the terminal to which the present invention is applicable is not limited to the above-described types, and it is natural that it can include all terminals capable of communicating with external devices.

For reference, a smart phone is an intelligent terminal in which a computer support function such as Internet communication and information retrieval is added to a mobile phone, and an application desired by a user can be installed. Unlike existing mobile phones, hundreds of different applications (applications) can be installed and added or deleted as desired by users, so users can create their own applications and implement various interfaces suitable for them through various applications. have. Therefore, the investor terminal 200 downloads and installs the North Korean investment application provided by each financial institution, thereby driving the North Korean investment application to apply for investment subscription.

The investor terminal 200 displays a subscription guide for North Korean investment financial products provided from the financial institution server 300. In addition, after receiving the investment subscription information from the investor, the application for joining the North Korean investment financial product is received, and the investor subscription information input from the investor is provided to the financial institution server 300.

The financial institution server 300 is a server operated by a financial institution such as an investment institution, a bank, or a securities company, and has the same configuration as a typical web server in hardware, and C, C ++, Java, and Visual in software. It includes program modules that are implemented through various types of languages such as Basic and Visual C and perform various functions. In addition, it can be implemented using web server programs provided in various ways according to operating systems such as DOS, Windows, Linux, Unix, and Macintosh on general server hardware. have.

The financial institution server 300 includes a North Korea investment fund that is invested in a North Korean development project, a North Korea including a unified subscription savings, including a unified subscription savings that gives preferential benefits to the use of facilities in North Korea and gives real estate rental subscription opportunities and employment priorities. Investor terminal 200 is provided with information on subscription of investment financial products. In addition, based on the investor subscription information provided from the investor terminal 200, it is determined whether to invest in North Korean investment financial products.

To this end, the financial institution server 300, as shown in FIG. 2, the server communication unit 300, the North Korean investment financial product establishment unit 320, the North Korean investment financial product subscription information unit 330, the North Korean investment financial product subscription processing unit (340), investment and dividend processing unit 350 may be included.

The server communication unit 300 supports hardware and software protocols that communicate with each investor terminal 200. The server communication unit 300 may perform data communication according to an Internet protocol such as Transmission Control Protocol / Internet Protocol (TCP / IP).

The North Korean investment financial product establishment unit 320 performs a function of establishing a North Korean investment financial product. As a North Korean investment financial product, it may include a North Korean investment fund that is invested in a North Korean development project, and a unified subscription savings benefiting from discounted access to facilities in North Korea.

The North Korean Investment Financial Products Subscription Guide (330) includes North Korean investment funds invested in North Korean development projects, North Korean investment financing including preferential benefits for the use of facilities in North Korea, and unified subscription savings that give real estate rental opportunities and employment priorities. It performs the function of providing the subscription information of the product to the investor terminal 200.

The North Korean investment financial product subscription processing unit 340 determines whether to invest in North Korean investment financial products based on the investor subscription information provided from the investor terminal 200.

The investment and dividend processing unit 350 collects investments from subscribers who have subscribed to North Korea's investment financial products and invests in North Korea's development projects. The designated financial institution is a South Korean investment agency that withdraws the funds agreed to invest from the fund account. And transfer to the North Korean investment agency under the approval of the Korean government, and then enter into an investment agreement. In addition, it performs the function of paying dividends to investors for the profits generated in relation to investments.

3 is a flowchart of a method for providing an investment financial product according to an embodiment of the present invention, and FIG. 4 is a diagram showing a procedure for guaranteeing payment of a North Korean investment fund according to an embodiment of the present invention, and FIG. 5 is a flowchart of the present invention This is an illustration of an icon that can receive information on joining North Korean investment financial products according to an embodiment.

In the present invention, the North Korean direct investment fund and unification subscription savings, in which a large number of citizens participate, can be a good alternative and can be a model for a unification campaign that can spread the nation's passion for unification. Also, since only citizens who want to participate as investors need to sign up for funds or savings products, there will be no reason for criticism such as the unconditional spread of opponents, and the controversy and budget fights will be meaningless.

To this end, the method of providing an investment financial product of the present invention, as shown in FIG. 3, a process for establishing a North Korean investment financial product (S310), a process for signing up for a North Korean investment financial product (S320), and a process for displaying a North Korean investment financial product subscription (S330) ), North Korea investment financial product subscription process (S340), investor subscription information provision process (S350), and investor subscription approval decision process (S360).

The North Korean investment financial product new process (S310) is a North Korean investment fund where North and South Korean investment agencies are invested in North Korean development projects, giving preferential benefits to the use of facilities in North Korea, and providing unified subscription savings that offer opportunities for real estate rentals and priorities for employment. It performs the function of establishing new North Korean investment financial products.

1. North Korea Investment Fund

When development investment in a specific region is decided, the total amount of investment, duration of investment, target rate of return, and method of refunding investment are led by the investment agencies dedicated to the North and South, and the financial institutions to be handled are determined.

Such a North Korean investment fund is a fund in which the North Korean government and the South Korean government guarantee payment for principal and interest, and a joint guarantee for payment is provided by financial institutions that handle and sell products. Therefore, payment guarantees and solidarity guarantees for North Korean investment funds can be made according to the procedure shown in FIG. 4.

Anyone who is above the minimum amount to join the North Korean investment fund can make a payment in a lump sum payment or a savings payment system, and the government can apply a regular periodic deposit or a regular rate + @ unified preferential interest rate.

The North Korean investment fund may include a comprehensive fund and a development business investment fund as follows.

 ① Comprehensive fund (pre-investment method): Priority is given to a certain portion of the fund's subscription amount (for example, the 10% to 30% limit of the total amount of investment, and the pre-allocation ratio adjusted according to the size of the total investment) As a fund that invests, additional consent for preferential investment is not received by the subscribers of the fund, and at the time of signing up for the first time, the amount of investment allocation at a certain rate for each fund that invests later in the agreement is indicated by notifying the depositor of whether or not to consent to a separate investment. Obtain collective consent. It is a fund in which subscribers are given the consent of additional investment only when additional investment is allocated.

② Resource Fund: A fund that is invested in resource-related businesses located in North Korea. In other words, it is a fund that invests in the development of mines located in North Korea, mining and processing of minerals, export of resources, natural mineral water and agricultural and livestock products, natural resources, and natural gas piping refining facilities business.

③ Tourism Fund: A fund that is invested in tourism related projects in North Korea. In other words, it is a fund that invests in the development of tourism projects, tourism facilities, and tourism complexes in North Korea.

④ Railway Road Fund: This fund is invested in North Korea's transportation network related projects. In other words, it is a fund that invests in the railroad network business linking the North and South Korea and the continent, the railroad linking project between North and South Korea, and the road network improvement project in North Korea.

⑤ Telecommunication Fund: This is a fund invested in North Korea's electricity / electronic / communication related business. In other words, it is a fund that is invested in North Korea's electric facility business, power generation industry, communication network facility, mobile communication business, mobile Internet network, and electronics industry.

⑥ Culture and Art Fund: This fund is invested in North Korea's cultural and art related projects. In other words, it is a fund invested in North Korea's media broadcasting network, advertising industry, entertainment performance business, music, art, dance, design literature and other creative arts industry and cultural property related projects.

⑦ Heavy Industry Fund: It is a fund invested in North Korea's heavy industry related business. In other words, it is a fund invested in heavy chemical, energy, construction equipment, machinery equipment, land and sea transportation equipment, and electrical and electronic equipment industries.

⑧ Light Industry Fund: It is a fund invested in North Korea's light industry related business. In other words, it is a fund invested in major household goods, beauty cosmetics, clothing, and food industries.

⑨ Health Medicine Fund: A fund invested in North Korea's health-related businesses. In other words, it is a fund that is invested in hospital facilities, drug development production and distribution, medicine-related device industry, medical personnel training and training facilities, and natural treatment research and development projects.

⑩ Real Estate Fund: A fund invested in North Korea's real estate-related business. In other words, it is a fund that is invested in real estate development business, real estate rental business, real estate sale business, real estate management and transaction-related business in areas where foreign investment is permitted, such as the Special Zone for Tourism Development, Free Trade Zone, and Foreign Investment Attraction Zone.

2. Unification subscription savings

The product development fee of unified subscription savings and the sales and operation fees are limited to prevent deduction of more than the average ratio compared to the fees levied on savings by existing investment funds, so that the minimum amount is paid to the savings. This restricts savings from being arbitrarily prescribed by the handling financial institution when the savings amount is not invested in a specific development project or a target product and remains in the passbook in the savings state while the savings are subscribed to a North Korean investment fund or unified subscription savings. This is a measure to prevent product developers and handling finance companies from burdening savings with excessive development fees or handling fees.

It is a pan-national deposit product similar to housing subscription savings as a passbook that spreads the unification of the nationwide and prides itself on contributing to unification by signing up for deposits even if the majority of the people are small. All citizens of Korean nationality are eligible to join, and they can freely accumulate at least a minimum of 1,000 won per month to a certain amount (for example, 1 million won), and a predetermined preferential interest rate (or duty-free application) can be applied when signing up.

By establishing an online financial company as a government-driven government (or designating a government-owned bank) without having to go to the bank in a similar way to Kakao's bankbook, anyone can easily open a bankbook on the Internet or mobile, and automatically transfer a certain amount each month from a bank account designated by the subscriber. Or make a random transfer. If you apply online, the refund will be refunded to the bank account of your name on the designated date.

Therefore, if the promotion of unification subscription savings is promoted as a national campaign, if the nation spreads the heat of unification and spreads the movement of having a single passbook for the nation, like the old gold-raising fever, the ripple effect will be great, and neighboring countries that do not want inter-Korean unification. However, it is expected that it will play a big role in creating a unified atmosphere through the creation of a national consensus that cannot be helped by domestic opponents, as well as by creating public opinion and promoting public opinion. It will also be effective in the sense that the majority of the people sympathize and participate even in small amounts, giving them pride that they helped unification.

The payment of unified subscription savings can be used for:

-Priority investment in North Korea's national infrastructure (disaster prevention, quarantine, water and sewage, and public facilities), led by the South and North Korean government.

-Supported at a low rate with the consent of the savings as a loan source to Korean SMEs entering North Korea.

-The government of Korea or its affiliated organizations borrows funds for purchase of daily necessities to North Korea and uses them first, and the government guarantees a refund after a certain period of time.

-For savings of a certain amount or more over a certain period of time, opportunities for real estate rental in North Korea's free economic zones or investment zones are provided according to conditions.

-Priority is given to North Korean tourism products for savings over a certain period of time.

-A certain amount of benefits are given to travelers who save a certain amount of money over a certain period of time when traveling on rail roads in North Korea

-Priority reservation is given to the use of tourist facilities and accommodations in North Korea for savings over a certain period of time.

-If there is a chance to hire foreigners in North Korea, priority will be given to immediate family members of savings over a certain period. In other words, if there is an opportunity to hire foreigners in North Korea, a guarantee of employment will be provided to savings and immediate family members who have saved more than the standard period and the standard amount set for saving the unified subscription.

In the North Korean investment financial product subscription process (S320), the financial institution server 300 unifies the North Korean investment fund invested in the North Korean development project, preferential use of facilities in North Korea, and provides real estate rental subscription opportunities and employment priority. This is the process of providing the investment terminal 200 with a subscription guide for North Korean investment financial products, including subscription savings. That is, as shown in FIG. 5, each North Korean investment icon capable of receiving subscription guidance of a North Korean investment fund and unified subscription savings is displayed on the investor terminal 200.

Here, in the case where the investment terminal 200 is provided with a guide to signing up for a North Korean investment fund, the North Korean investment financial product subscription guide provision process includes information on the North Korean investment method including the total amount of investment, the investment period, the target rate of return, and the method of refunding the investment. The basic investment intent to record is transmitted to the investor terminal 200.

The North Korean investment financial product subscription guide display process (S330) is a process in which the investor terminal 200 displays the North Korean investment financial product subscription guide provided from the financial institution server 300. That is, the North Korean investment financial product subscription guide selected from the investor among the North Korean investment financial product icons shown in FIG. 5 is displayed. For example, if a North Korean investment fund is selected, a basic investment intent that provides information on the North Korean investment method, including the total amount of investment, the duration of the investment, the target rate of return, and the method of refunding the investment, is provided.

In the North Korean investment financial product subscription application process (S340), the investor terminal 200 receives the investment subscription information from the investor and receives the North Korean investment financial product subscription application. If the subscriber of the fund wants to invest in the development investment business, he or she specifies the limit of his or her investment application on the Internet or mobile and receives it in the financial institution server 300. An individual investor who joins each individual fund can select and invest in North Korea's desired development project to avoid indiscriminate or unwanted investment by the receiving financial institution, and does not have to pay excessive handling fees for the receiving financial institution. .

In particular, when applying to join a comprehensive fund as a North Korean investment financial product, a collective agreement in which the investment of the basic investment ratio, which is set in advance among the subscription amounts of the comprehensive fund, is collectively agreed to the first investment recruitment is to be submitted at the time of the first subscription of the comprehensive fund. do.

In the investor subscription information providing process (S350), the investor terminal 200 provides the investor subscription information input from the investor to the financial institution server 300.

The investor subscription approval decision process (S360) is a process in which the financial institution server 300 determines whether to invest in North Korean investment financial products based on the investor subscription information provided from the investor terminal 200. When an application for investment exceeding the recruitment amount is received, the financial company notifies each fund subscriber by determining the investment amount for each individual at a certain amount or at a certain ratio in consultation with an investment-only institution. After the investment amount is raised from each designated fund, the investment amount that is not reached can be additionally recruited from a general fund (first-investment) fund, or additional subscription to unified subscription savings subscribers or open subscription.

Furthermore, financial companies that deal with funds can only see the effect of increasing receipts in a form similar to regular deposits and regular deposits, and when the funds withdraw funds that have been determined to invest in specific development projects and remit them to the dedicated investment institution and the investment profits When depositing money back to the fund account, make sure to collect the minimum agency fee. The mid-term termination of the investment fund deposit and the mid-term transfer of the investment in a specific business are set in advance and the cancellation rate and investment profit realization rate of each period must be disclosed online.

Meanwhile, the North Korean investment fund includes a comprehensive fund that is invested regardless of the type of development project, and a development business fund that is invested by each North Korean development project. In the present invention, the investment ratio is different between the comprehensive fund and the development business fund. It is characterized by being configured. That is, by constructing different investment ratios between the comprehensive fund and the development business fund, it is possible to help the investor to determine the fund by judging the execution efficiency of the investment.

To this end, different investment ratios are formed between the comprehensive fund and the development business fund. Pre-allocated according to the size of the total investment amount, for example, a preset basic investment ratio (eg, 10% to 30% of the total investment amount). The investment of the proportion adjustment allocation) is recruited for the first investment, and the investment for the additional investment is secondarily recruited from the subscription amount of the development business fund matching the project being invested because the initial investment recruitment is insufficient.

If the subscription amount of the development business fund matching the project to be invested does not meet the set second investment recruitment amount, the investor terminal will make an additional investment intent to the subscriber of the general fund or the subscriber of the unified subscription savings within the limit of the unsuccessful recruitment. (200).

On the other hand, unlike the general fund, the development project fund is a fund that is invested in each development project of the industry in North Korea, and is a fund that is closely related to the international situation in real time and the situation inside North Korea. Therefore, the development business fund needs to be composed of funds that invest in efficient development projects with good profitability.

To this end, the development project fund of the present invention ensures that only development project funds matching the North Korean development project whose issue ratings calculated for each North Korean development project exceed a preset reference rating are commercialized. Investors or financial institutions, in real time, receive international affairs and North Korean internal news into a pre-registered issue evaluation algorithm, calculate issue ratings, and recommend only development business funds that are issues based on the calculated issue ratings as managers of commercialization funds It is provided to the terminal.

For example, it is decided to carry out the East Sea Railway connection project between the two Koreas, and if the issue rating of the East Sea Railway exceeds the standard rating, the East Sea Railway Road Fund can be commercialized. In addition, it is decided that a joint hospital between North and South Korea will be established in Kaesong, and if the issue rating of the health and medicine industry exceeds a preset standard rating, the Kaesong Hospital Health Medicine Fund can be commercialized.

Furthermore, in order to secure the stability of the North Korean investment fund, it transmits to the North Korean government agency server and the South Korean government agency server whether the guarantee of payment for the principal and interest of the development project fund whose issue rating exceeds the standard rating. In addition, it can be implemented to ensure the stability of the North Korean investment fund by allowing commercialization only for development business funds that have been guaranteed payment of principal and interest from both North Korean government agencies and South Korean government agencies.

The above-described embodiments in the description of the present invention are selected and presented as the most preferable examples to help those skilled in the art from among various possible examples, and the technical spirit of the present invention is not necessarily limited to or limited by these embodiments. , Various changes and modifications and other equivalent embodiments are possible without departing from the technical spirit of the present invention.

100: wired or wireless communication network
200: investor terminal
300: financial institution server

Claims (5)

First-country investment financing, including unified subscription savings, where a financial institution server provides preferential benefits to the use of first-country investment funds invested in first-country development projects, first-class facilities, and real estate rental subscription opportunities and employment priorities. An investment financial product subscription guide providing process of providing a product subscription guide to an investor terminal;
An investment financial product subscription guide display process in which the investor terminal displays a subscription guide for investment financial products of a first country provided from a financial institution server;
An investment financial product subscription application process in which the investor terminal receives an investment subscription information from an investor and receives a subscription application for investment financial products of a first country;
An investor subscription information providing process in which the investor terminal provides investor subscription information input from an investor to a financial institution server; And
Includes; the financial institution server, an investor subscription approval process for determining whether to invest in a first-country investment financial product based on the investor subscription information provided from the investor terminal;
The first country investment fund includes a comprehensive fund that is invested regardless of the type of development business, and a development business fund that is invested by each first country development project, and the investment ratio is different between the comprehensive fund and the development business fund. Method for providing investment financial products, characterized in that.
The method according to claim 1, In the case of providing a guide to joining an investment fund of a first country to an investor terminal, the process of providing a guide to joining an investment financial product is
A basic investment intent that records investment method information of the first country including the total amount of investment, the investment period, the target rate of return, and the method of refunding the investment is transmitted to the investor terminal,
Among the subscription amounts of the above-mentioned comprehensive fund, the investment of the predetermined basic investment ratio is recruited for the first investment, and the investment for which additional investment is secondarily recruited is insufficient due to the initial investment recruitment alone. Investment is being recruited,
If the subscription amount of the development business fund matching the project to be invested does not meet the established second investment recruitment amount, the additional investment intention is sent to the investor terminal to the subscriber of the general fund or to the subscriber of the unified subscription savings within the limit of the unsuccessful recruitment. How to provide investment financial products.
The method according to claim 1, The development business fund,
A resource fund invested in a resource-related business located in a first country;
Tourism funds invested in tourism-related projects in the first country;
A railroad fund invested in projects related to transportation networks in the first country;
Electricity / electronics / communication funds invested in electricity / electronics / communication related businesses in the first country;
A culture and arts fund invested in projects related to culture and arts of the first country;
Light industry funds invested in light industry related projects in the first country;
Heavy industry funds invested in heavy industry related projects in the first country;
Health medication funds invested in health-related businesses in the first country; And
Real estate funds invested in real estate-related businesses in the first country;
A method of providing an investment financial product including any one or more of the following.
The method according to claim 1,
If there is an opportunity to hire a foreigner in the first country to the savings and the immediate family of the savings family who have saved more than the standard period and the standard amount set in the savings for unification subscription, the employment guarantee is provided first.
Priority is given to real estate lease subscriptions in certain areas where foreign investors can invest in the first country, and certain benefits are given to tourists, lodging, roads, and railroads. Method for providing investment financial products, characterized in that.
The method according to claim 1, The first country investment fund,
This is a fund where the government of the first country and the government of the second country guarantees payment for principal and interest, and the financial institutions that deal with products sell and sell.
The development business fund,
Only the development project funds that match the first country development projects whose issue ratings calculated for each first country development project exceed the preset reference rating are commercialized,
Whether the guarantee of payment for principal and interest of the development project fund whose issue rating exceeds the standard rating is transmitted to the first government agency server and the second government agency server,
A method for providing investment financial products, characterized in that commercialization is only made for development business funds that have been guaranteed payment of principal and interest by both government agencies of the first country and government agencies of the second country.

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