KR20230144844A - Server and method for analyzing investment portfolio of investor - Google Patents

Abstract

The server that analyzes the investor's investment portfolio includes a keyword extraction unit that extracts at least one investment keyword associated with each investment item for each of the plurality of investment items included in the investment portfolio based on a plurality of investment-related documents collected in real time, and a plurality of A core keyword selection unit that selects core keywords for a plurality of investment items based on the proportion information of each investment item and keyword occurrence information for at least one investment keyword extracted for each of the plurality of investment items, and a plurality of preset characteristic items An investment style information derivation unit that derives investment style information for the investment portfolio based on basic data for each corresponding plurality of investment items, and analyzes the investor's investment propensity based on key keywords for each selected plurality of investment items and the derived investment style information. It may include an analysis unit.

Description

Server and method for analyzing an investor's investment portfolio {SERVER AND METHOD FOR ANALYZING INVESTMENT PORTFOLIO OF INVESTOR}

The present invention relates to a server and method for analyzing an investor's investment portfolio.

Conventional collective investment products (eg, fund-type products, etc.) are classified according to a plurality of preset classification criteria. Here, the plurality of preset classification standards are, for example, referring to Figure 1, classification standards according to domestic and foreign product classification, classification standards according to the size of stocks, classification standards according to the proportion of value stocks and growth stocks (101), holding It may include classification standards (103) according to the composition of top stocks in stock proportion, classification standards (105) according to asset composition proportions (e.g., stocks, bonds, etc.), etc.

Currently, in the case of domestic fund-type products, numerous products for various investment purposes are being released. When fund-type products are approached based on multiple existing classification criteria, investors face the difficulty of having to directly select a fund product that is suitable for them from all currently existing fund-type products.

Korean Patent Publication No. 2015-0083620 (published on July 20, 2015)

The present invention is intended to solve the problems of the prior art described above, and is based on the proportion information of each of the plurality of investment items included in the investor's investment portfolio and the keyword occurrence information for the investment keywords associated with each investment item. We select key keywords and analyze the investor's investment propensity based on key keywords for each investment item and investment style information on the investor's investment portfolio.

However, the technical challenges that this embodiment aims to achieve are not limited to the technical challenges described above, and other technical challenges may exist.

As a technical means for achieving the above-described technical problem, a server that analyzes an investor's investment portfolio according to the first aspect of the present invention analyzes a plurality of investments included in the investment portfolio based on a plurality of investment-related documents collected in real time. A keyword extraction unit that extracts at least one investment keyword associated with each investment item for each item; A core keyword selection unit that selects a core keyword for each of the plurality of investment items based on weight information for each of the plurality of investment items and keyword occurrence information for the at least one investment keyword extracted for each of the plurality of investment items; an investment style information deriving unit that derives investment style information for the investment portfolio based on basic data for each investment item corresponding to a plurality of preset characteristic items; and an analysis unit that analyzes the investor's investment propensity based on the key keywords for each of the selected plurality of investment items and the derived investment style information.

The method of analyzing an investor's investment portfolio performed by the investment propensity analysis server according to the second aspect of the present invention is to analyze each investment item for a plurality of investment items included in the investment portfolio based on a plurality of investment-related documents collected in real time. Extracting at least one investment keyword related to the item; selecting key keywords for each of the plurality of investment items based on weight information for each of the plurality of investment items and keyword occurrence information for the at least one investment keyword extracted for each of the plurality of investment items; Deriving investment style information for the investment portfolio based on basic data for each investment item corresponding to a plurality of preset characteristic items; And it may include analyzing the investor's investment propensity based on key keywords for each of the selected plurality of investment items and the derived investment style information.

The above-described means for solving the problem are merely illustrative and should not be construed as limiting the present invention. In addition to the exemplary embodiments described above, there may be additional embodiments described in the drawings and detailed description of the invention.

According to one of the above-described means for solving the problems of the present invention, the present invention provides a plurality of investment items based on weight information for each of a plurality of investment items included in the investor's investment portfolio and keyword occurrence information for investment keywords associated with each investment item. Key keywords for each investment item can be selected, and the investor's investment propensity can be analyzed based on the key keywords for each investment item and the investment style information on the investor's investment portfolio.

Through this, the present invention can analyze the investor's investment propensity more precisely by dividing the characteristics of the collective investment items comprised of the investor's investment portfolio into investment keywords and investment style information.

Figure 1 is a diagram for explaining a method of recommending a collective investment product.
Figure 2 is a block diagram of an investment propensity analysis server according to an embodiment of the present invention.
Figures 3A to 3C are diagrams for explaining a method of setting keywords for investment items according to an embodiment of the present invention.
Figures 4A to 4E are diagrams for explaining a method of selecting core keywords for each investment item and deriving investment style information for an investment portfolio, according to an embodiment of the present invention.
Figure 5 is a flowchart showing a method of analyzing an investor's investment portfolio according to an embodiment of the present invention.

Below, with reference to the attached drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily implement the present invention. However, the present invention may be implemented in many different forms and is not limited to the embodiments described herein. In order to clearly explain the present invention in the drawings, parts that are not related to the description are omitted, and similar parts are given similar reference numerals throughout the specification.

Throughout the specification, when a part is said to be "connected" to another part, this includes not only the case where it is "directly connected," but also the case where it is "electrically connected" with another element in between. . Additionally, when a part "includes" a certain component, this means that it may further include other components rather than excluding other components, unless specifically stated to the contrary.

In this specification, 'part' includes a unit realized by hardware, a unit realized by software, and a unit realized using both. Additionally, one unit may be realized using two or more pieces of hardware, and two or more units may be realized using one piece of hardware.

In this specification, some of the operations or functions described as being performed by a terminal or device may instead be performed on a server connected to the terminal or device. Likewise, some of the operations or functions described as being performed by the server may also be performed on a terminal or device connected to the server.

Hereinafter, specific details for implementing the present invention will be described with reference to the attached configuration diagram or processing flow diagram.

Figure 2 is a block diagram of the investment propensity analysis server 20 according to an embodiment of the present invention.

Referring to FIG. 2, the investment propensity analysis server 20 may include a keyword extraction unit 200, a key keyword selection unit 210, an investment style information extraction unit 220, and an analysis unit 230. However, the investment propensity analysis server 20 shown in FIG. 2 is only one implementation example of the present invention, and various modifications are possible based on the components shown in FIG. 2.

The keyword extraction unit 200 may extract at least one investment keyword associated with each investment item for each of the plurality of investment items included in the investor's investment portfolio based on a plurality of investment-related documents collected in real time for a preset period. . Here, investment-related documents may include, for example, investment reports, economic forecast reports, economic articles, investment-related e-books, etc. written by investment experts (eg, analysts, fund managers, etc.).

Here, each investment item may have a one-to-many relationship with related investment keywords, as shown in Figure 3a.

The keyword extraction unit 200 generates keyword occurrence information based on the publication date or posting date of at least one investment-related document in which each investment keyword associated with a plurality of investment items is mentioned and the number of times each investment keyword is mentioned in at least one investment-related document. can be derived. Here, the keyword occurrence information may include the elapsed days from the most recent keyword occurrence date of the investment keyword to the present.

The keyword extraction unit 200 may map each investment keyword and the keyword occurrence information of each investment keyword for each of the plurality of investment items and store them in an investment keyword table.

Specifically, the keyword extraction unit 200 determines the publication date or posting date of at least one investment-related document in which each investment keyword is most recently mentioned for each investment item among a plurality of investment-related documents collected in real time, and selects the keyword for each investment keyword. It can be set as the occurrence date.

For example, the keyword extraction unit 200 stores the investment keyword of the first investment item extracted from a plurality of investment-related documents collected during the first period and the keyword occurrence date for the investment keyword in the investment keyword table, and The new investment keyword for the first investment item extracted from a plurality of investment-related documents collected during the second period after one period and the new keyword occurrence date for the new investment keyword can be additionally stored in the investment keyword table.

The keyword extraction unit 200 may derive the keyword elapsed date for each investment keyword based on the keyword occurrence date. Here, the keyword occurrence date may be updated as each investment keyword is additionally mentioned in the investment-related document.

The keyword extraction unit 200 may store, for each investment item, the investment keyword associated with each investment item, the keyword occurrence date for the investment keyword, and the keyword elapsed date for the investment keyword in the investment keyword table.

For example, referring to FIG. 3A, the keyword extraction unit 200 extracts the first investment keyword, the second investment keyword, and the third investment keyword associated with the first investment item from a plurality of investment-related documents, and each investment keyword The keyword occurrence date corresponding to can be derived. Here, the first keyword occurrence date for the first investment keyword is derived by the period from the publication date of the investment-related document in which the first investment keyword was most recently mentioned (or the publication date on which the investment-related document was published) to the present, and the second The occurrence date of the second keyword for the investment keyword is derived from the period from the publication date of the investment-related document in which the second investment keyword was most recently mentioned to the present, and the occurrence date of the third keyword for the third investment keyword is derived from the date of occurrence of the third investment keyword. It can be derived by the period from the date of issuance of the most recently mentioned investment-related document to the present.

Referring to FIG. 3b, the keyword extraction unit 200 derives the first keyword occurrence date (Dt) from the publication date of the investment-related document in which the first investment keyword of the first investment item is most recently mentioned, and from this, the current date The first keyword elapsed date for the first investment keyword can be derived based on the elapsed date until (Dt+n). At this time, the first keyword occurrence date (Dt) for the first investment keyword may be continuously updated with the passage of time to the publication date of the investment-related document in which the first investment keyword is most recently mentioned.

Referring to FIG. 3C, the keyword extraction unit 200 matches the keyword occurrence date for each investment keyword and the keyword elapsed date for the investment keyword for each plurality of investment keywords related to the first investment item to create an investment keyword table (30). ) can be saved in . For example, the keyword extraction unit 200 maps the first investment keyword related to the first investment item, the first keyword occurrence date and the first keyword elapsed date for the first investment keyword, and stores them in the investment keyword table 30. You can.

The keyword extraction unit 200 may derive the number of times each investment keyword is mentioned for each investment keyword in each investment-related document in which each investment keyword is mentioned for each of the plurality of investment items.

The keyword extraction unit 200 may set the weight of each investment keyword differently based on the elapsed date of each keyword. Here, the weight of each investment keyword can be calculated according to [Equation 1].

[Equation 1]

Weight of investment keywords =

Here, P is a preset deceleration factor (eg, 0.98), and N is the elapsed date for the investment keyword.

According to [Equation 1], the smaller the deceleration factor, the more rapidly the weight decrease over time.

The keyword extraction unit 200 may set the weight of each investment keyword differently based on the number of times each investment keyword is mentioned.

The keyword extraction unit 200 may map the weight set for each investment keyword associated with a plurality of investment items to each investment keyword and store the weight in the investment keyword table. For example, referring to FIG. 3C, the keyword extraction unit 200 maps the weights set for each of the first investment keyword, second investment keyword, and third investment keyword associated with the first investment item to each investment keyword to create an investment keyword. It can be stored in the table 30.

The key keyword selection unit 210 derives information on the proportion of each investment item from a plurality of investment items included in the investor's investment portfolio, and selects the proportion information for each derived investment item and at least one investment keyword extracted for each investment item. Key keywords for each investment item can be selected based on keyword occurrence information.

The core keyword selection unit 210 determines the keyword importance score for each investment keyword of each investment item based on the weight according to the proportion information of each investment item and the keyword occurrence information for at least one investment keyword extracted for each investment item. It can be calculated.

The core keyword selection unit 210 may select core keywords for a plurality of investment items based on the keyword importance score for each investment keyword for each investment item.

For example, referring to FIG. 4A, the core keyword selection unit 210 may extract the investment keyword for each investment type and the keyword elapsed date for the investment keyword from the investment keyword table created for each investment type.

The core keyword selection unit 210 may generate an investment keyword status list 40 for each investment item, including weights according to proportion information for each investment item, investment keywords for each investment item, and keyword elapsed dates for the investment keywords.

The core keyword selection unit 210 selects each investment keyword for each investment item based on the weight according to the proportion information of each investment item included in the investment keyword status list 40 and the keyword elapsed date for the investment keyword for each investment item. Keyword importance scores can be calculated. At this time, the core keyword selection unit 210 calculates the keyword importance score for each investment keyword of each investment item by setting the keyword elapsed date for the investment keyword for each investment item as the exponent of the exponential function, as shown in [Equation 2]. You can.

[Equation 2]

Keyword importance score for the N investment keyword for each investment item

=

Here, wi is a weight according to the weight information of each investment item.

The core keyword selection unit 210 sums the keyword importance scores of each investment keyword calculated for each investment item among the same investment keywords, and generates a keyword importance score list 42 including the keyword importance scores summed for each same investment keyword. can do.

In the keyword importance score list 42, an investment keyword with a higher combined keyword importance score may be a keyword with higher importance.

The core keyword selection unit 210 may extract the top M investment keywords with high combined keyword importance scores from the keyword importance score list 42 and select the extracted top M investment keywords as core keywords.

Returning to FIG. 2 , the keyword extraction unit 200 may set different weights of investment keywords associated with each investment item based on weight information of a plurality of investment items included in the investor's investment portfolio.

The investment style information extraction unit 220 may derive investment style information about the investor's investment portfolio based on basic data for each investment item corresponding to a plurality of preset characteristic items. Here, referring to FIG. 4b, the plurality of preset characteristic items include the proportion of investment items (401), market item (403), market capitalization item (405), value item (407), performance item (411), and supply/demand score. It may include items (411), market reputation items (413), daily volatility items (415), medium-term volatility items (417), and industry items (419).

Here, the basic data may include market information, market capitalization information, value information, performance information, supply and demand score information, market reputation information, daily volatility information, medium-term volatility information, and industry code information for investment items. Here, value information includes, for example, price book value ratio (PBR) information, price earning ratio (PER) information, price sales ratio (PSR) information, etc. of investment items. It can be included. Performance information may include, for example, operating profit margin, net profit margin, etc. of investment items. Supply and demand score information may include, for example, the transaction amount of investment items, foreign purchase amount, etc. The market reputation score may include, for example, the target price adjustment rate of the investment item. Daily volatility information may include, for example, the true range of investment items. Medium-term volatility information may include, for example, monthly fluctuation rates of investment items.

The investment style information extraction unit 220 may derive representative values for a plurality of characteristic items based on weights according to the proportion information of each investment item and basic data of each investment item. Here, the representative value for each characteristic item means the sum of the field values of the characteristic item and the weight of the corresponding item for each characteristic item, and can be calculated, for example, based on [Equation 3].

[Equation 3]

Representative value of each characteristic item =

Here, i refers to each investment item.

For example, referring to FIG. 4B, the investment style information extraction unit 220 extracts a weight (w1) according to the proportion information of the first investment item and market information (field value: market 1) corresponding to the market item 403. A first value for the product between, a second value for the product between a weight (w2) according to the weight information of the second investment item and market information (field value: market 2) corresponding to the market item 403, and a second value for the product between 3 A third value for the product between the weight (w3) according to the weight information of the investment item and the market information (field value: market 3) corresponding to the market item 403, the weight information (w4) of the fourth investment item, and The representative value of the market item 403 can be derived by adding the fourth value of the product between the market information (field value: market 4) corresponding to the market item 403.

Meanwhile, in the case of the representative value of the industry item, the investment style information extraction unit 220 uses [Equation 4] based on the preset industry-specific weight according to the industry code information of each investment item to obtain the representative value (i.e., representative value) of the industry item. industry) can be derived. Here, the preset industry-specific weight according to the industry code information of each investment item may correspond to the weight according to the proportion information of each investment item.

[Equation 4]

Representative value of industry item (representative industry) =

Industry matching (Max( ))

For example, referring to Figure 4c, the industry weight of the first investment item whose industry code information is '11' is 2.3, and the industry weights of the second and third investment items whose industry code information is '203' is 10.4 (=4.6 + 5.8), and the industry weight of the fourth investment item whose industry code information is '210' is 6.8, the investment style information extraction unit 220 selects the second investment item and the fourth investment item with the maximum industry weight. 3 ‘203’, which is the industry code information for investment items, can be derived as a representative value of the industry item.

In this way, mathematical modeling of the characteristics of investment items can be applied by reducing the representative value of each characteristic item.

The investment style information extraction unit 220 may derive investment style information about the investment portfolio based on representative values for each characteristic item.

For example, referring to Figure 4d, market items may be classified into KOSPI market (1), KOSDAQ market (2), and other markets (3). At this time, the investment style information extraction unit 220 may determine that KOSDAQ is more preferred for investment because the representative value of the market item (eg, 1.6) is close to index 2 for the KOSDAQ market.

In addition, the investment style information extraction unit 220 determines that it prefers large-cap stocks worth over 1 trillion according to the representative value of the market capitalization item (e.g., 13,045), and according to the representative value of the value item (e.g., 58.3), it prefers large-cap stocks with high value appeal. According to the representative values of the items and supply/demand score items (for example, 69.15), it can be judged that the movement of major buyers is important.

In addition, the investment style information extraction unit 220 does not consider performance to be very important according to the representative value of the performance item (e.g., 47.1), and is neutral toward news and report information according to the representative value of the market reputation item (e.g., 50). It can be judged that this is a human position.

In addition, the investment style information extraction unit 220 may determine that it prefers stocks with somewhat high volatility according to the representative value of the daily volatility item (for example, 6.02), and prefers the 203 industry according to the representative value of the industry item.

The analysis unit 230 may analyze the investor's investment propensity based on key keywords for each selected investment item and derived investment style information.

For example, referring to Figure 4e, the analysis unit 230 calculates the weighted value of all investment keywords by calculating the keyword elapsed date for the investment keyword as an index to the weight and deceleration factor according to the weight information of each investment item. As a result of summing them up, investors prefer the 3rd investment keyword (approximately 0.42), the 6th investment keyword (approximately 0.04), and the 9th investment keyword (approximately 0.36) as core keywords, and the 3rd investment keyword (approximately 0.42) and the 9th investment keyword (approximately 0.36) It can be analyzed that preference is given to the 6th investment keyword (approximately 0.04), followed by the 9th investment keyword (approximately 0.36).

Meanwhile, those skilled in the art will know that the keyword extraction unit 200, the key keyword selection unit 210, the investment style information extraction unit 220, and the analysis unit 230 may be implemented separately, or one or more of them may be integrated and implemented. You will fully understand that it is possible.

Figure 5 is a flowchart showing a method of analyzing an investor's investment portfolio according to an embodiment of the present invention.

Referring to FIG. 5, in step S501, the investment propensity analysis server 20 determines at least one investment associated with each investment item for each of the plurality of investment items included in the investor's investment portfolio based on a plurality of investment-related documents collected in real time. Keywords can be extracted.

In step S503, the investment propensity analysis server 20 selects key keywords for each of the plurality of investment items based on the proportion information of each of the plurality of investment items and keyword occurrence information for at least one investment keyword extracted for each of the plurality of investment items. can do.

In step S505, the investment propensity analysis server 20 may derive investment style information for the investment portfolio based on basic data for each investment item corresponding to a plurality of preset characteristic items. Here, the basic data may include market information, market capitalization information, value information, performance information, supply and demand score information, market reputation information, daily volatility information, medium-term volatility information, and industry code information for investment items.

In step S507, the investment propensity analysis server 20 may analyze the investor's investment propensity based on the key keywords for each investment item selected in step S503 and the investment style information derived in step S505.

In the above description, steps S501 to S507 may be further divided into additional steps or combined into fewer steps, depending on the implementation of the present invention. Additionally, some steps may be omitted or the order between steps may be changed as needed.

One embodiment of the present invention may also be implemented in the form of a recording medium containing instructions executable by a computer, such as program modules executed by a computer. Computer-readable media can be any available media that can be accessed by a computer and includes both volatile and non-volatile media, removable and non-removable media. Additionally, computer-readable media may include all computer storage media. Computer storage media includes both volatile and non-volatile, removable and non-removable media implemented in any method or technology for storage of information such as computer-readable instructions, data structures, program modules or other data.

The description of the present invention described above is for illustrative purposes, and those skilled in the art will understand that the present invention can be easily modified into other specific forms without changing the technical idea or essential features of the present invention. will be. Therefore, the embodiments described above should be understood in all respects as illustrative and not restrictive. For example, each component described as unitary may be implemented in a distributed manner, and similarly, components described as distributed may also be implemented in a combined form.

The scope of the present invention is indicated by the claims described later rather than the detailed description, and all changes or modified forms derived from the meaning and scope of the claims and their equivalent concepts should be construed as being included in the scope of the present invention. .

20: Investment tendency analysis server
200: Keyword extraction unit
210: Key keyword selection section
220: Investment style information extraction unit
230: Analysis department

Claims (10)

In the server that analyzes the investor's investment portfolio,
a keyword extraction unit that extracts at least one investment keyword associated with each investment item for each of the plurality of investment items included in the investment portfolio based on a plurality of investment-related documents collected in real time;
A core keyword selection unit that selects a core keyword for each of the plurality of investment items based on weight information for each of the plurality of investment items and keyword occurrence information for the at least one investment keyword extracted for each of the plurality of investment items;
an investment style information deriving unit that derives investment style information for the investment portfolio based on basic data for each investment item corresponding to a plurality of preset characteristic items; and
Analysis unit that analyzes the investor's investment propensity based on the key keywords for each of the selected investment items and the derived investment style information
An investment propensity analysis server that includes a.
According to claim 1,
The keyword extraction unit derives the keyword occurrence information based on the publication date or posting date of at least one investment-related document in which each investment keyword is mentioned and the number of times each investment keyword is mentioned in the at least one investment-related document. Investment propensity analysis server.
According to claim 2,
The core keyword selection unit determines a keyword importance score for each investment keyword of each investment item based on the weight according to the proportion information of each investment item and keyword occurrence information for the at least one investment keyword extracted for each investment item. calculate,
An investment propensity analysis server that selects key keywords for each of the plurality of investment items based on the keyword importance score for each investment keyword for each investment item.
According to claim 1,
The basic data includes market information, market capitalization information, value information, performance information, supply and demand score information, market reputation information, daily volatility information, medium-term volatility information, and industry code information for investment items. An investment propensity analysis server.
According to claim 4,
The investment style information deriving unit derives a representative value for each of the plurality of characteristic items based on the weight according to the proportion information of each investment item and the basic data of each investment item,
An investment propensity analysis server that derives investment style information for the investment portfolio based on representative values for each of the plurality of characteristic items.
In a method of analyzing an investor's investment portfolio performed by an investment propensity analysis server,
Extracting at least one investment keyword associated with each investment item for each of the plurality of investment items included in the investment portfolio based on a plurality of investment-related documents collected in real time;
selecting key keywords for each of the plurality of investment items based on weight information for each of the plurality of investment items and keyword occurrence information for the at least one investment keyword extracted for each of the plurality of investment items;
Deriving investment style information for the investment portfolio based on basic data for each investment item corresponding to a plurality of preset characteristic items; and
Analyzing the investor's investment propensity based on the key keywords for each of the selected plurality of investment items and the derived investment style information
An investment propensity analysis method including.
According to claim 6,
The step of extracting the investment keywords is
Deriving the keyword occurrence information based on the publication date or posting date of at least one investment-related document in which each investment keyword is mentioned and the number of times each investment keyword is mentioned in the at least one investment-related document, Investment propensity analysis method.
According to claim 7,
The step of selecting core keywords for each of the plurality of investment items is
Calculating a keyword importance score for each investment keyword of each investment item based on the weight according to the proportion information of each investment item and keyword occurrence information for the at least one investment keyword extracted for each investment item;
An investment propensity analysis method comprising the step of selecting core keywords for each of the plurality of investment items based on the keyword importance score for each investment keyword for each investment item.
According to claim 6,
The basic data includes market information, market capitalization information, value information, performance information, supply and demand score information, market reputation information, daily volatility information, medium-term volatility information, and industry code information for investment items. Investment tendency analysis method.
According to clause 9,
The step of deriving investment style information for the investment portfolio is
Deriving representative values for each of the plurality of characteristic items based on weights according to the proportion information of each investment item and basic data of each investment item;
An investment propensity analysis method comprising deriving investment style information for the investment portfolio based on representative values for each of the plurality of characteristic items.

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