JP6750080B1 - Operation support device and operation support program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an operation support device and an operation support program capable of setting a goal of asset management, constructing an optimum plan, and implementing long-term asset succession measures. SOLUTION: This is an operation support device that grasps the total assets of a user and supports asset management, classifies the assets according to the asset type, and then acquires the asset amount of each asset type. An operation support device that includes a unit, an information acquisition unit that acquires deposit / withdrawal information and reference market value information for each asset type, and a support information presentation unit that presents advice to users for each classified asset type. In addition, it is an operation support program that grasps the total assets of users and executes support for asset management, and it is an asset amount acquisition step to acquire the asset amount of each asset type after classifying the assets according to the asset type. , A program that allows users to perform an information acquisition step to acquire deposit / withdrawal information for each asset type and a support information presentation step to present advice to users for each classified asset type. [Selection diagram] Fig. 1

Description

The present invention relates to an operation support device and an operation support program that enable construction of an optimal asset management plan and implementation of long-term asset succession measures.

Currently, the management of individual assets is wide-ranging, and for the users who are considering asset management, what kind of management method should be used to manage their own assets, that is, total asset allocation (asset allocation, asset allocation What to do and to what extent, how to deal with each of the allocated assets) and how to construct a specific product combination (portfolio) in the allocated assets becomes an issue. There is.
From this viewpoint, various proposals have been made, for example, Patent Document 1 proposes a system for constructing an investment portfolio for investors. The system is a computer-readable data vault, which, when executed, communicates with a computer system containing recorded computer-readable instructions to receive risk tolerance data representative of an investor's risk tolerance level. A system for receiving investment selection criteria from a user terminal, and displaying and generating a list of investees for inclusion in a portfolio ranked according to the selection criteria on a user interface of the user terminal. Is configured to run.
In addition, Patent Document 2 has a specifying unit, an acquiring unit, and a generating unit for the purpose of providing the user with appropriate information regarding future design, and the specifying unit is a predetermined target and a predetermined user. The similar unit, which is a user having similarities in the conditions, is specified, the acquisition unit acquires information about income or expenditure of the similar user specified by the specification unit, and the generation unit is based on the information acquired by the acquisition unit. Then, a device that generates information indicating the tendency of income or expenditure of similar users has been proposed.
In addition, Patent Document 3 aims at objectively evaluating whether or not a target user is able to form an asset, in comparison with a user who is said to have a high asset forming ability. The acquisition unit acquires the behavior information indicating the behavior of the user, and the calculation unit is a user determined based on the financial activity related to asset formation among the users whose behavior information is acquired by the acquisition unit. Calculation of an index value related to asset formation of the second user based on first behavior information indicating the behavior of a certain first user and second behavior information indicating the behavior of the second user who is the evaluation target user A device has been proposed.

Special Table 2014-525062 Publication JP 2017-117394 JP 2019-00834 JP

However, the above-mentioned proposals regarding asset management only allow the candidate list of investees to be displayed or be compared with those who have succeeded. No asset management method was proposed. In addition, since the proposal focuses only on financial assets in asset management, there is a problem that total asset management is insufficient from the viewpoint of asset management.
In other words, when allocating assets, there is a problem that asset allocation of total assets, and further optimization of the portfolio for each asset and construction of its planning cannot be performed efficiently, and because asset management was insufficiently controlled. There was also a problem that long-term asset succession measures could not be taken.

Therefore, an object of the present invention is to provide an operation support device and an operation support program that enable setting of asset management goals, construction of optimal planning, and implementation of long-term asset succession measures.

The present inventor, as a result of diligent study to solve the above problems, grasps not only financial assets but also various movable assets, and also grasps deposits and withdrawals and market prices of each asset, and grasps this grasped information. It has been found that the above object can be achieved by providing a system for considering asset management based on the above, and has completed the present invention.
That is, the present invention provides each of the following inventions.
1. An operation support device that grasps the total assets of users and supports asset management,
After classifying assets according to asset type, an asset amount acquisition unit that acquires the asset amount of each asset type,
An information acquisition unit that acquires deposit/withdrawal information and reference market value information for each asset type,
A support information presenting unit that presents the user with advice for each classified asset type,
An operation support device comprising:
2. The support information presenting section is
Sending deposit/withdrawal information to a registered asset specialist who has been registered in advance, prompts the asset management advice by the expert, and presents the advice of the expert to the user.
The operation support device according to 1, characterized in that.
3. An operation support program for grasping a user's total assets and causing a computer system and/or a server system to execute asset management support,
After classifying the assets according to the asset type, the asset amount acquisition step of acquiring the asset amount of each asset type,
An information acquisition step of acquiring deposit/withdrawal information of each asset type,
A program for presenting the advice for each classified asset type to the user and performing a support information presentation step.
4. The support information presentation step is
By sending deposit and withdrawal information to a pre-registered, classified asset expert and urging the expert to advise the asset management and presenting the expert's advice to the user. A program according to item 3.
5. The above asset value acquisition step is
The program according to 3, which is a step performed by displaying a display image prompting the user to input a breakdown of the amount of assets and storing the input information in a recording medium.

According to the operation support device and operation support program of the present invention, it is possible to efficiently perform asset allocation of total assets during asset management, further optimize portfolios for each asset, and construct planning thereof. It can be fully controlled and long-term asset succession measures can be implemented.
Further, according to the present invention, it is possible to instruct the user to operate the total assets of the user without limiting to financial instruments such as securities as long as they have an asset value. It is also useful from the perspective of protecting persons and investors.
Further, in the conventional device and program, the information can be obtained only from the seller's point of view from the seller side, but according to the present invention, the user can objectively obtain a useful point of view through the expert's point. It is also possible for sellers to obtain accurate marketing information.

FIG. 1 is a schematic diagram showing an embodiment of an operation support device of the present invention. FIG. 2 is a schematic diagram of a system that is operated by the operation support device and the operation support program of the present invention. FIG. 3 is a flowchart showing an embodiment of the operation support program of the present invention. FIG. 4 is a schematic diagram showing an example of an input screen shown to the user by the operation support program of the present invention. FIG. 5 is a schematic diagram showing an example of an input screen shown to an expert by the operation support program of the present invention. 6A and 6B are schematic diagrams showing an example of an input screen shown to the user by the operation support program of the present invention. FIG. 7 is a schematic diagram showing an example of an input screen shown to the user when depositing and withdrawing money. FIG. 8A is a schematic diagram showing an example of a medical questionnaire input screen used for setting a goal of asset management, and FIG. 8B is a schematic diagram showing an example of a diagnostic table showing a diagnostic result based on the medical questionnaire. is there.

1: Operation support device, 2: Asset amount acquisition unit 2, 4: Information acquisition unit, 6: Support information presentation unit, 10: Computer system, 20: Server system

Hereinafter, the present invention will be described in more detail.
<Operation support device>
As shown in FIG. 1, the operation support device 1 of the present embodiment is an operation support device that grasps the total assets of a user and supports the asset operation. Specifically, after classifying the assets according to the asset type, the asset amount acquisition unit 2 that acquires the asset amount of each asset type, and the information acquisition unit 4 that acquires the deposit/withdrawal information and the reference market price information of each asset type And a support information presentation unit 6 that presents the user with advice for each classified asset type. In addition, a deposit/withdrawal instruction unit 8 for executing deposit/withdrawal instructions is also provided.
The details will be described below.

<Overall structure>
The operation support apparatus 1 of the present embodiment shown in FIG. 2 is configured by storing a program of the present embodiment, which will be described later, in a server system 20 to which a large number of computer systems 10, 10 can be connected via the Internet I. A large number of external users and experts to be described later access the server system 20 via the computer systems 10 and 10 so that the operation support apparatus 1 can be used via the server system 20. ing.
In the present embodiment, the server system 20 and the computer system 10 have the same basic configurations, and although not shown respectively, a random access memory (RAM), at least one central processing unit (CPU), a recording medium, It includes one or more user interface devices such as a keyboard and pointing device (eg, mouse or touch pad), and a network interface for connecting the computer system to a data communication network such as the Internet. A display device such as a liquid crystal display (LCD) panel device is not particularly required in the server system, but is indispensable in the computer system 10. In the server system, a mobile terminal such as a so-called smartphone or tablet terminal may be used as a display device instead of the display device, and may serve as both a display and an input device.
In addition to the usual 32-bit or 64-bit operating system, it also includes a large number of standard software modules such as web server software and script language modules generally used in computer systems. In addition, a computer used by a user or an expert needs to store a program, which will be described later, in a similar computer system to function as the operation support device of this embodiment.

<Program>
The program of the present embodiment is stored in the server system and causes the server system and computer systems of users and experts to be executed. As shown in FIG. 3, the total assets of users are grasped, In order to make the computer execute the support of asset management,
After classifying the assets according to the asset type, an asset amount acquisition step S1 for acquiring the asset amount of each asset type,
Information acquisition step S2 for acquiring deposit/withdrawal information of each asset type,
It is a program that causes the user to perform a support information presentation step S3 that presents the user with advice for each classified asset type.
Each step will be described below.

(Asset acquisition step S1)
The asset amount acquisition step is a step performed by displaying a display image prompting the user to input a breakdown of the asset amount and storing the input information in a recording medium.
The program stored in the recording medium of the server system is started by starting the boot file. When the user activates the computer system 10 and accesses the server system to enable the program, firstly, a predetermined input screen is displayed on the display device of the user's computer system. Then, the breakdown of the asset amount is input.
At this time, as shown in FIG. 4, the input screen is provided with input fields for inputting asset types, asset details, and asset amounts. Specifically, items such as date, nominal, deposit/withdrawal type, product details, and amount are prepared as input buttons. It should be noted that these data can be set so as to be automatically input in cooperation with banks, securities companies, and real estate companies. Enter the date of deposit/withdrawal in the date, and enter in the name whether the deposit/withdrawal corresponds to cash, real estate, securities, or the like.
Specifically, nominal items include securities, real estate, deposits, insurance, collections (precious metals, etc.), debts, and the like. It is also possible to set these so that they are displayed as a so-called pull-down menu, and to allow the user to input by selecting and clicking.
Since it is necessary to finely classify the item details column depending on the name, it is set to three levels: large, medium and small. However, those that do not need to be classified so much can be classified into the middle classification and the small classification or only the small classification. Specifically, for example, if the name of the product details is securities, the product details correspond to stocks, bonds, alternatives or cash, etc. Corresponds to individual stocks, ETFs, investment trusts, etc. It is possible to set these to be displayed as a pull-down menu like the name.
If the name is real estate, it can be classified into home and commercial (building, tenant, rental, detached house rental) as a middle classification, and domestic and foreign classification as a small classification.
If the nominal amount is a deposit, it is possible to classify domestic and foreign countries into a middle classification and bank types into a small classification.
When the name is insurance, it can be subdivided into life, term, endowment, medical care, income compensation, etc.
When the name is a collection (precious metal, etc.), a subcategory such as precious metal, painting, jewelry, ship, airplane, car, clock, stamp, etc. can be set.
If the nominal is a debt, it can be set to simply enter the amount without special classification.
In the deposit/withdrawal type, the deposit or withdrawal is entered, and in the product details, in the case of a real estate, the address, acquisition form, number of square meters, etc. are entered, and in the case of securities, the type, brand, etc. are entered.
For the amount, enter the actual amount of deposit and withdrawal. The device of the present invention is preferably electrically connected to a system of a financial institution (hereinafter referred to as “other company's system”), and when an attempt is made to input by the device of the present invention, the system of the other company is activated. The input result in the system is reflected. Also, for example, when selling securities or real estate when withdrawing money, if you place an order for sale, you will receive quotes and comments from multiple vendors and you can use it as a reference for deciding which vendor to select. In addition to being settable, the selling price is reflected in the relevant amount column.

As described above, the asset type means the type of asset, securities such as real estate, stocks, bonds, cash, movables, memberships, works of art, jewelry/precious metals, automobiles, ships, aircraft, and other collected items. And so on. The above-mentioned asset details are details of real estate and securities (stocks, bonds, etc.). For example, in the case of stocks, which company's stocks, in the case of real estates, where is the land? It is a national government bond or a corporate bond of any company, and if it is cash, it is a deposit type such as ordinary deposit or fixed deposit. The asset value is the valuation value of each asset. In addition, after inputting the asset value, the information value of the bank, securities company, and real estate valuation is automatically accessed to obtain the information so that the result of the fluctuation is reflected, and the asset value is constantly changed to a new valuation value. Is configured to be displayed as an amount corresponding to. For assets for which it is difficult to obtain market value information, the market value information of total assets is displayed by obtaining reference market value information from a specialist who uses each asset.
The inputted data about the asset is directly connected to the user's personal identification information and stored in the recording medium of the server.
The personal identification information and asset data of these users are protected by a security system, and the data can be accessed only after obtaining an ID, a password and a third authentication system. Here, regarding the ID, in addition to the main ID, a plurality of sub IDs can be acquired. The sub ID can be managed for each expert by disclosing it to a plurality of experts who give advice, and the user can select the optimum advice from the advice of a plurality of experts. Further, the user's remittance operation to the bank may be complicated, but by assigning a sub ID to a person who supports such a complicated remittance operation, the limited authority is given. , You can grant the access right according to this authority.

(Information acquisition step S2)
In the information acquisition step, the deposit/withdrawal record of the user's asset and reference market value information are acquired from the bank, securities company, or real estate company. Then, the asset data is updated based on the acquired deposit/withdrawal record and the reference market price information. At this time, instead of simply updating the apparent asset data based on the deposit/withdrawal record, the apparent asset amount is converted to the fair value based on the current value of the asset data (at the time of executing this step). And grasp market value asset data. By arranging this market value asset data in time series and dividing them into respective assets, how the asset value fluctuates in time series, whether the fluctuation is due to the valuation value, whether due to deposits and withdrawals, The data is organized so that both can be seen.
Specifically, for example, as shown in FIG. 5, in a table format, the date and time of deposit and withdrawal, details of deposit and withdrawal, balance (apparent amount), and market value assets converted into market value are also displayed. As a result, it becomes possible to grasp at a glance the amount of balance on par and the actual amount of assets including market value evaluation. In addition, it is possible to grasp at a glance which of the nominal names of each asset is the bottleneck of the market price, asset allocation of total assets, and extraction and countermeasures for problems in portfolio optimization construction for each asset. It becomes easier to set up.

(Support information presentation step S3)
In the support information presenting step, the deposit/withdrawal information is transmitted to a pre-registered and classified asset expert, and the expert's advice is presented to the user while urging the expert to advise the asset management. , The steps performed by
Specialists here include financial planners, tax accountants, bank staff, securities company staff, real estate management company employees, art dealers, car dealers, membership brokers, jewelers, ship dealers, aircraft dealers, and various collectibles. A trader etc. are mentioned.
The above-mentioned specialist confirms the user and the asset information stored in the server system 20 by the computer system 10 connected to the server system 20, and the asset allocation of the total assets, and further the portfolio of each asset and the individual assets. Based on the status of, the overall asset trends, future trend predictions, classified asset statuses and forecasts should be judged, and the direction the user should take in the future should be indicated to the user by inputting on the input screen. Send information about assets to the server system.
The input screen can be configured as shown in FIG. 6, for example.
That is, as shown in FIG. 6, assets and deposit/withdrawal information of a field in which the expert specializes are disclosed to each expert. As a specific example, an input screen for a real estate agent is displayed in FIG. 6A, and an input screen for a financial planner is displayed in FIG. 6B.
In FIG. 6A, details of the real estate, the balance (balance) of the real estate, and the amount of the market value assets are displayed. The real estate agent who confirmed this, after considering which assets and how they will change in the future, fills in the deposit/withdrawal guidance column on the input screen for deposit and withdrawal, and purchases which product as the target product. Or fill in whether you want to sell and enter the reason in the reason column. Then, a recommended amount is set based on the amount of investment in the real estate and the total assets, and the recommended amount is entered.
In FIG. 6B, the total amount of the asset and its time series transition are displayed. Based on this data, the financial planner will write down which assets should be emphasized and why they should be managed.
In any of the examples, it is possible to set the columns of deposit/withdrawal instruction, target product, reason, and recommended amount of information so that provision of information from a plurality of vendors can be displayed. In this case, the provided information can be set to be displayed in a table in association with the assets at the time of providing the information. For example, it is possible to display the date and time of the proposal in April 2019 in the table of FIG. 6A so as to display the proposal date and time, and display the amount of money to be withdrawn and withdrawn in which the content of the proposal is reflected.
In addition, as shown in FIGS. 6(a) and 6(b), for each asset, the cost of ownership such as tax, management fee, and reserve fund necessary for operation management is displayed, and this cost of ownership is reflected in the market value. Show real assets. As a result, the user and each expert can obtain the true asset value and asset value management evaluation of each asset.
Then, when the information from the expert is sent to the server system, the advice from the expert is displayed to the user, and the assumed asset transition when the asset is managed according to the expert's advice is calculated. Indicate the expected asset status in this case to the user. In this way, by presenting the expected asset situation in the case of following the instructions of the expert, the user can make his/her own judgment regarding the management of his/her own asset, and which expert ( It is possible to employ one's (or one or more)'s judgments to judge whether to manage their own assets.

(Other steps)
The program of the present embodiment can assist the user in making a policy decision regarding asset management by performing the above-described steps.
However, in addition to these steps, the following steps may be performed by the computer system and the server system.
(Deposit and withdrawal instruction step S4)
It is the step of withdrawing or depositing any of the assets for cash conversion, withdrawal, etc., when adding cash and instructing to apply cash to purchase of any asset, Can be transferred to other assets. It is also possible to give an instruction to add a cash amount when simply depositing cash or to withdraw an asset by disposing of a part or all of the asset and converting the asset to withdraw cash.
Specifically, this can be done by inputting predetermined items on the input screen shown in FIG.
That is, as shown in FIG. 7, by inputting the target product, whether the product is purchased or sold, and the amount of money in the respective input fields, and pressing the execute button to execute, the target product handling organization such as a financial institution and a real estate company is selected. Give instructions to buy or sell.
It should be noted that, here, it is also possible to connect to a site of a financial institution or the like and set so that a transaction screen pops up, or it is possible to directly deposit or withdraw money. In addition, these operation screens can be set so as to be linked with the user's calendar in which the payment schedule has been entered in advance.When linked, the transaction screen pops up at the scheduled date and time according to the calendar schedule. This transaction screen allows payments to be made as scheduled.

(Advance preparation step S0)
In addition, at the start of the program, a user information input screen (not shown) is displayed so as to register the user information. The administrator or the user inputs predetermined information on the input screen and registers the personal information of the user to support the asset management of the user in the program. In addition, at this time, the current state of the user's assets and the goal of asset management consisting of the purpose of asset management and the asset management policy for achieving the purpose are set. This series of work is a preparatory step.
The purpose of asset management in the goal of asset management is to include how to make a living, for example, to obtain a percentage of interest rate per year and to double it after 10 years. For that purpose, after grasping the current assets, how to change the asset type, asset allocation of total assets of how much to change with each asset, and what kind of portfolio should be for each asset Can be calculated. This calculation can be performed in multiple ways by a well-known simulation method by reflecting the market value of each asset at the time of executing this step in advance and according to the interest rate to be obtained and the target asset amount. It is also possible to present the asset management policy by presenting the current state and purpose of the asset.
FIG. 8 shows an example of the questionnaire (displayed on the screen of the computer system) used at this time.
As shown in FIG. 8(a), the inquiry sheet displays question items and answer fields corresponding to each question item, and the user fills in the answer fields. Although all are blank in FIG. 8A, questions and answers such as questions and three-level answers that are easy to answer, and the current asset breakdown and target assets are set. A diagnostic form is created based on the entries in this form. The diagnosis table can be created by aggregating the opinions of each expert, and the answer column of the questionnaire should be scored as three-level answers (for example, yes, no, or neither). Alternatively, the evaluation may be automatically performed based on the total score.
Then, based on the data of this questionnaire, what kind of asset should be, how long and for what amount, how to manage the asset, how to understand the risk about the asset, management operation, The selection of means for achieving these goals is output as the recommended asset allocation and recommended portfolio of the diagnostic form. The step of creating the diagnosis table is performed in advance by associating the question on the questionnaire with the operation method of each asset and the like. The above-mentioned support information presentation step S3 is performed according to this goal. That is, the advice of each expert will be given in accordance with this goal, and the user can judge which advice to adopt in light of this goal.

<Operation support device>
If the server system 20 and the computer system 10 shown in FIG. 2 are combined as described above and the server system 20 and the computer system 10 are caused to perform predetermined steps by the above program, the operation support apparatus of the present invention can be operated. You can Here, returning to FIG. 1, the operation support of the present embodiment including a server system and a computer system in which the above-described program, which is the operation support apparatus of the present embodiment, is stored, and the above-described steps can be executed by the program. The outline of the apparatus will be described.
As shown in FIG. 1, the operation support device 1 of the present embodiment uses an asset amount acquisition unit 2, an information acquisition unit 4 that acquires deposit/withdrawal information of each asset type, and advice for each classified asset type. It is provided with a support information presenting unit 6 for presenting to a person, and further has a deposit/withdrawal instructing unit 8.
(Asset acquisition department)
The asset amount acquisition unit 2 is composed of a server system 20 and a user's computer system 10, and is executed by the computer system acquiring information exclusively in response to an instruction from the server system 20. For example, the display device that displays the input screen shown in FIG. 4 and the input device of the computer system 10 are operated by input.
(Information acquisition section)
The information acquisition unit 4 is composed of the server system 20 exclusively, and at any time grasps the amount of assets based on the information of deposit/withdrawal instructions and the information of financial institutions, real estate agents, etc., and acquires the grasped asset information. , Update the asset information by checking it against the asset information stored in the server system.
(Support information presentation section)
The support information presentation unit 6 includes a server system 20 and computer systems 10 and 10 for experts and users. Only in response to an instruction from the server system 20, the information is disclosed to the expert computer system 10 and the expert opinion is obtained. At this time, the updated asset information is transferred from the server system to the expert computer system 10, a predetermined input screen and asset data are displayed on the display device of the expert computer system 10, and the predetermined information is displayed using the input device. To be able to enter matters, that is, expert opinions. Then, the expert pushes the send button on the input screen when the input of the opinion is completed, so that the expert's opinion is temporarily transferred to the server system 20. In the server system 20, the expert opinion data is transferred to the computer system 10 of the user in order to present the expert opinion to the user after associating the expert opinion with the user information and the asset information of the user. Then, it can be displayed on the display device of the user's computer system 10. At this time, the asset forecast based on the expert opinion is also transferred so that the asset forecast can be displayed on the display device of the computer system 10 of the user.
(Deposit and withdrawal instruction section)
The deposit/withdrawal instruction unit 8 is composed of a server system 20 and a user's computer system 10. The deposit/withdrawal instruction section 8 displays the input screen of FIG. 7 by performing a predetermined operation exclusively on the user's computer system 10 to issue a deposit/withdrawal instruction. It is configured to prompt the user to input and transfer the input data to the server system 20.

<Operation support method>
The operation support apparatus of the present invention is configured as described above, and the above program is executed by operating the above apparatus. Therefore, the operation support method using the operation support apparatus of the present invention provides operation support in accordance with the above program flow.

It should be noted that the present invention is not limited to the above-described embodiment, and various modifications can be made without departing from the spirit of the present invention.
For example, in the embodiment described above, the asset amount acquisition step, the support information display step, and the deposit/withdrawal instruction step have been described as steps for performing input support by the user and expert opinion input support, respectively. The asset classification and asset amount input method by automatically obtaining information from a pre-registered financial institution, etc., and asset trends according to published algorithms, not experts. It may be set so as to predict and automatically present the optimum asset allocation and suggestion of the portfolio.
It is also possible to connect this device to a system of an asset management operation management company and entrust the asset management to the management company to perform precise management operation. At that time, it is possible to set to automatically perform bookkeeping for transactions using this device. It is not always necessary to display all assets because it is normal (current assets are every three months) to grasp all assets at the end of the year (year end).

Claims (3)

To grasp the total assets of the user, the support of asset management, an operation support program to be executed by the computer system及beauty service over bar system which is connected to the third-party systems, such as financial institutions,
First, on the display device of the user's computer system, an input screen provided with input fields for inputting asset type, asset details, and asset amount is displayed,
According to this input screen, let the user enter the asset type, asset details, and breakdown of the asset amount , and store the asset data related to the entered asset as it is in the recording medium of the server, linking it with the user's personal identification information. by,
After classifying the assets according to the asset type, the asset amount acquisition step of acquiring the asset amount of each asset type,
Acquire deposit/withdrawal records of users' assets and reference market value information from the systems of other companies ,
By updating the asset data based on the acquired deposit/withdrawal record and reference market value information, while acquiring the deposit/withdrawal information of each asset type ,
An information acquisition step for organizing the date and time of deposit and withdrawal, the details of the deposit and withdrawal, the balance and the market value assets converted to market value so that they can be displayed .
In the computer system of the specialist of registered assets classified in advance, the assets and deposit/withdrawal information of the field specialized in the specialist among the users and the asset information stored in the server system are displayed,
By inputting the direction that the user should take in the input screen in the future, the expert sends information about the assets that should be shown to the user to the server system and displays the advice from the expert to the user At the same time, by calculating the assumed asset transition when asset management is performed according to the advice of the expert and showing the expected asset status in that case to the user, presenting the advice for each classified asset type to the user, support to perform an information presenting step,
In the support information presenting step, there are plural experts in each field, information from multiple experts is displayed to the user, the cost of ownership is displayed as each asset, and the cost of ownership is directly reflected. A program configured to display the real assets that have been displayed, and to display the expected asset transition and the expected asset status based on the real assets .
Furthermore, it has a deposit and withdrawal instruction step and a preliminary preparation step,
The depositing/withdrawing instruction step is a step of performing cashing or withdrawing of any of the assets, and withdrawing or depositing, by inputting a target product, whether to purchase or sell, and an amount on a predetermined input screen, By executing, it is a step to instruct the target product handling organization of the above other companies to purchase and sell.
The above-mentioned preparation step displays an interview sheet as a user information input screen so that the user information is registered in the user's computer system at the start of the program, and the present asset breakdown and target are displayed on the interview sheet. By letting them fill in the assets and gathering the opinions of the above-mentioned experts based on the entries in the questionnaire, or by scoring the answers in the answer column of the questionnaire, and automatically performing the evaluation based on the total score , Creating a diagnostics table that includes recommended asset allocations and recommended portfolios,
The program according to claim 1, wherein the support information presentation step is performed with the diagnosis table as a goal . An operation support device which is a combination of a server system and a computer system, and executes the program according to claim 1 to grasp the total assets of the user and support the asset management.
After performing the above-mentioned asset amount acquisition step and classifying the assets according to the asset type, an asset amount acquisition unit that acquires the asset amount of each asset type,
An information acquisition unit that performs the above information acquisition step and acquires deposit/withdrawal information and reference market price information for each asset type,
A support information presenting unit that performs the above support information presenting step and presents the user with advice for each classified asset type;
An operation support device comprising: