KR20050047246A - Method and system which is setting the porperty to achieve the financial target - Google Patents

Abstract

The present invention can confirm the achievement of the financial target by linking the client's assets with a specific financial target and calculating the degree of achievement of the financial target. Moreover, the financial target can be quickly adjusted by realigning or allocating the assets to the specific financial target of the priorities. It relates to an asset adjustment method and system for achieving a financial goal that can be designed to achieve in time.

Asset adjustment method for achieving the financial objective of the present invention, the first step of inputting a specific financial target to be achieved in the future of a certain point in time; A second step of inputting financial information including assets, liabilities, expenses, income, and setting a financial target tag associated with the specific financial target for each asset; A third step of diagnosing the financial condition of the assets, liabilities, income, and expenditure in the current state and displaying the achievement of the financial target by using the financial information input in the second step; A fourth step of re-adjusting or distributing the financial target tag for each asset using the financial goal achievement level in the third step; And a fifth step of completing the setting of the asset for the financial target by reflecting the asset updated in the fourth step as a reserve fund or setting a new asset.

Description

Asset reconciliation method and system to achieve financial goals {Method and system which is setting the porperty to achieve the financial target}

The present invention can confirm the achievement of the financial target by linking the client's assets with a specific financial target and calculating the degree of achievement of the financial target. Moreover, the financial target can be quickly adjusted by realigning or allocating the assets to the specific financial target of the priorities. It relates to an asset adjustment method and system for achieving a financial goal that is designed to be achieved in time.

As a means of guaranteeing an uncertain future, pensions, insurance and / or savings are common risk guarantees. However, the conventional insurance or saving is not made scientifically and analytically in accordance with the income level or living pattern of the person, but subjective waste is generated because it is made subjectively according to the income level of the person or spouse. On the other hand, pensions such as national pensions cannot be found during the contract period, so they cannot be used when necessary.

In order to solve these problems, there is increasing interest in financial management to efficiently manage and multiply assets. Financial management is provided by financial institutions such as insurance companies or banks to efficiently use the income or available assets of the person or spouse.

However, the conventional financial management method has a limitation that is limited only in analyzing and determining the individual's financial condition. In other words, it is advantageous to collect the income, assets and liabilities of an individual or spouse and to grasp the current financial status of the individual or spouse. There was a limit to being inefficient. These limitations do not remove uncertainty about the future.

The present invention is to solve the above problems, an object of the present invention is to determine the achievement of the financial target by linking the customer's assets with a specific financial target and calculating the degree of achievement of the corresponding financial target, furthermore prioritized assets The present invention provides an asset adjustment method and system for achieving financial goals that can be designed to achieve the financial targets quickly by realigning or allocating them to specific financial targets.

Another object of the present invention is to provide an asset adjustment method and system for achieving a financial target that can prevent unnecessary waste of cash or assets by re-adjusting the financial target of a specific asset owned by a customer.

Asset adjustment method for achieving the financial objective of the present invention for achieving the above object, the first step of inputting a specific financial target to be achieved in the future of a certain point in time; A second step of inputting financial information including assets, liabilities, expenses, income, and setting a financial target tag associated with the specific financial target for each asset; A third step of diagnosing the financial condition of the assets, liabilities, income, and expenditure in the current state and displaying the achievement of the financial target by using the financial information input in the second step; A fourth step of re-adjusting or distributing the financial target tag for each asset using the financial goal achievement level in the third step; And a fifth step of completing the setting of the asset for the financial target by reflecting the asset updated in the fourth step as a reserve fund or setting a new asset.

In addition, the asset adjustment system for achieving the financial target of the present invention, the financial target input module for inputting a specific financial target to be achieved in the future of a certain point in time; A financial information input module for inputting financial information including assets, liabilities, expenses, income, and setting a financial target tag associated with the specific financial target for each asset; A financial diagnosis module for diagnosing the financial condition of the assets, liabilities, income, and expenses in the current state and displaying the achievement of the financial target by using the financial information input by the financial information input module; A financial target adjustment module for re-adjusting or distributing a financial target tag for each asset by using the financial target achievement degree by the financial diagnosis module; And a financial target design module for completing the setting of the asset for the financial target by reflecting the asset updated by the financial target adjustment module as a reserve fund or setting a new asset.

Hereinafter, the asset adjustment method and system for achieving the financial target of the present invention will be described in detail with reference to the accompanying drawings.

The present invention utilizes current financial information, such as income, expenses, liabilities, assets, etc. of an individual (customer) himself and / or spouse, to provide financial goals, for example, family security funds, retirement funds, and educational funds. And a method and system for adjusting or allocating the allocation of assets to achieve financial objectives (acquisition of required funds), such as marriage, marriage funds, real estate purchase funds, and other funds. These methods and systems allow customers to efficiently use their assets to achieve their desired financial goals in the shortest possible time.

1 is a block diagram of an asset adjustment system according to the present invention.

Asset adjustment system according to the present invention is configured in the form of an internal computer network (Intra-net) using a conventional computer server 10 and a plurality of clients (50, 52) connected thereto or a web server (40, 60) connected to the Internet ) May be provided to external clients 70, 72, and 74.

The server 10 is loaded with a program for carrying out the method of the present invention. In particular, when the web servers 40 and 60 are added and used, the service can be provided through the Internet. In FIG. 1, reference numeral 20 is a computer for customer management as a CRM DW server. In addition, reference numeral 30 is a report server for reporting the result of the asset adjustment made by the present invention.

The server 10 includes a function performing module for performing a specific function as shown in FIG. 2: a financial goal input module 101 for inputting a specific financial goal to be achieved in the future at a certain point in time; A financial information input module 102 for inputting financial information including assets, liabilities, expenses, income, and setting a financial target tag associated with the specific financial target for each asset; A financial diagnosis module 103 for diagnosing the financial condition of the assets, liabilities, income, and expenses in the current state and displaying the achievement of the financial target by using the financial information input by the financial information input module 102; A financial target adjustment module 104 for re-adjusting or distributing a financial target tag for each asset by using the financial target achievement degree by the financial diagnosis module 103; And a financial target design module 105 for completing the setting of the asset for the financial target by reflecting the asset updated by the financial target adjustment module 104 as a reserve fund or setting a new asset.

In addition, the financial target adjustment module 104 includes: a target allocation module 104a for target unused assets; A target allocation module 104b for the target subsidiary acid; A goal adjustment module 104c for living expenses / current savings power; And a target adjustment module 104d for future savings potential.

In addition, the asset adjustment method of the present invention carried out in the asset adjustment system having the above configuration, as shown in the flowchart of Figure 4, the first step of inputting a specific financial target to be achieved in the future of a certain point in time; A second step of inputting financial information including assets, liabilities, expenses, income, and setting a financial target tag associated with the specific financial target for each asset; A third step of diagnosing the financial condition of the assets, liabilities, income, and expenditure in the current state and displaying the achievement of the financial target by using the financial information input in the second step; A fourth step of re-adjusting or distributing the financial target tag for each asset using the financial goal achievement level in the third step; And a fifth step of completing the setting of the asset for the financial target by reflecting the asset updated in the fourth step as a reserve fund or setting a new asset.

It is assumed that before the method of the present invention is performed, personal information for each of the individual customer and the spouse has been input and stored in advance. Personal information is information such as the name of the person or spouse, resident registration number, work, education, child's name, child's resident registration number, child's education, and whether the child is married or not. Also, although not shown, it is possible to add more information about yourself, your spouse's personal information, your child's personal information, and the prospective children. A prospective child is information about a child who will be born later.

As the first step S1 of the method of the present invention, a financial target is input. Financial objectives are the objectives of the customer to achieve at some point in the future, such as family security, retirement funds, education funds, marriage funds, real estate funds, and other funds, as described above. The first step S1 is performed by the financial goal input module 101. In actual input, data is input using a keyboard or a mouse, and the financial goal input module 101 processes data input using a keyboard or a mouse.

5 through 11 illustrate examples of screens for setting the financial target.

5 is a screen for selecting a family security as a financial goal. In the Family Security screen, the customer's expected survivor's living expenses (before and after the independence of the youngest child), life expectancy, household labor cost reflecting ratio / reflection period, spouse income reflecting rate, self-income reflecting rate, hope securing ratio to current income, Make corrections. It is obvious that each piece of information is expected for the future. The data can be directly input by using a keyboard or by using a mouse in a pull-down menu.

6 is a screen for selecting a retirement fund as a financial target. Register and revise financial targets related to retirement such as expected old living expenses, expected retirement period, life expectancy of the person / spouse. However, in the retirement fund, the expected retirement living expenses must be entered before the retirement fund is input.

7 is a screen for selecting an education fund as a financial goal. As shown, the name of the pre-registered child is displayed, and input of study abroad, university, annual average school expenses, men's military service period, etc. is required. Register and revise financial goals related to your child's educational funds.

In addition, FIG. 8 shows a pop-up window showing statistical data on education funds when the education fund is selected as the financial target. Based on these statistics, the client can adjust the amount and ratio of educational funds. Statistical data displayed in the pop-up window is previously input by being investigated by the system administrator of the present invention, and can be updated every year or every semester.

9 is a screen for selecting a marriage fund as a financial target. Register and revise financial targets for marriage funds for children (including pre-weds). This item is available when you have children. Enter your child's name, expected age of marriage, lethargy, honeymoon, ceremonial expenses, housing expenses, and marriage expenses. When entering coma expenses, honeymoons, wedding expenses, and housing expenses, the sum of the marriage expenses is automatically calculated. Although not shown, clicking on statistics shows the statistics related to marriage funds. The statistical data related to marriage funds can be updated weekly or monthly as data such as coma expenses, honeymoons, wedding expenses, and housing expenses.

10 is a screen for selecting real estate funds as a financial target. You can enter and modify your target real estate information. Enter the expected owner, asset type, real estate type, address, time of purchase, asset value (valuation amount, expected rate of increase, public / standard market price) and other information. On the other hand, floor space and land become essential items depending on the type of property. For example, apartments require floor input, land requires land, and other floor spaces are required.

11 is a screen for selecting other targets as the financial targets. The financial objectives related to the customer's other funds are registered and corrected and deleted. Other targets are items such as emergency fund, car purchase fund, founder fund, other fund, and inheritance.

After selecting the financial goals as above, the customer can give priority to each financial goal. At this time, family security is first set as a default value of "0", and it is desirable to fix it impossible.

After inputting the financial target as described above, as the second step (S2) of the present invention, the financial information of the customer and / or spouse is input. The second step S2 is performed by the financial information input module 102.

The financial information is information related to assets, liabilities, expenses and income of the customer or spouse. The asset information is, for example, expected returns, deposits, trusts / funds, stocks, bonds, insurance, non-financial investment assets, and living assets. Debt information may also be, for example, credit / mortgage loans, lease deposits, and other liabilities. On the other hand, income information, such as salary, rent, expenditure information, such as utility bills, school expenses, taxes, etc., which will be described later.

12 to 18 illustrate examples of input screens of asset information.

12 is an embodiment of an information input screen for an expected rate of return in asset information. You can enter, save, and modify the expected rates of return for your customers. Expected returns here mean expectations for the future of financial assets, real estate investments, and other investments. In this case, no financial target linkage tag (set as "investment objective" in the drawing) is set for the asset.

13 is an embodiment of an information input screen for a trust / fund of asset information. The customer's trust information (bank's savings trust) is entered and corrected. Trust assets are set differently depending on the type of deferred and non-deposited items. For example, a deferred type of investor, investment product, financial institution, bank trust subject, operation type, investment product name, year of subscription, investment amount, rate of return, investment period, investment purpose, tax classification, and tax exemption are entered.

On the other hand, as shown in the drawing, the voting ceremony includes investor, investment product, financial institution, bank trust subject, operation type, investment product name, monthly payment year, investment amount, rate of return, investment period, investment purpose and tax classification Enter whether you are exempt from tax. In addition, according to bank selection and trust subjects, taxation classification and livelihood taxation are automatically set. In particular, in the case of banquet ceremony, the amount of investment is automatically calculated to the present time through monthly payment amount and year of subscription. The above formula for automatic calculation is preset and stored by the administrator.

According to the present invention, in addition to the above-described information input, the financial target linkage tag (investment objective) is further set. Referring back to the drawings, it can be seen that the financial target linkage tag is set to "no purpose".

 14 is an embodiment of an inquiry screen of a trust / fund. The list of beneficiary certificates, trusts, and mutual fund information of the customer can be inquired and can be added or deleted from the screen. In the figure, only the trust and bond funds are displayed, but the beneficiary certificates, trusts, and mutual fund information registered in the financial information are basically inquired. If you want to modify among the inquired data, click the customer's name and the edit screen is popup window.

15 is an embodiment of a stock information input screen of asset information. The customer's stock classification, item name, quantity held, investment amount, investment purpose and investment termination date can be entered and modified. As shown, it can be seen that the investor, item name, holding amount, investment amount, investment period, investment purpose (retirement fund) (financial target linkage tag) is entered.

The stock classification can search for stocks according to kOSPI and KOSDAQ. When selecting stocks in the stock search, the average closing price is set for 2 months. If you enter the amount of reserve, the investment amount is automatically calculated. The stock price information is input by the manager every day or every hour.

16 is an embodiment of an inquiry screen of stock information. Search the customer's stock information list and add or delete. Basically registered stock information is inquired. If you want to modify among the inquired data, click the customer's name and the edit screen is popup window.

17 is an embodiment of an insurance information input screen of asset information. The insurance information of the customer can be entered and corrected. In case of amendment, the contents of insurance information are inquired basically. When entering rider information in insurance information, add the items to be covered, the period of coverage, the amount of coverage, and click the "Add" button. If multiple entries are entered, you can continue to enter them in the same way. If all the information has been entered, click the Register button to save it. Here, it can be seen that the financial target linkage tag is set to "subject to" as "purpose of subscription".

18 is an embodiment of an insurance inquiry screen. All the insurance information of the customer can be entered, inquired and deleted. The financial target linkage tag of the present invention is set only for the asset and not for the remaining financial information.

19 is an embodiment of an input screen of credit security loan in debt information. You can enter and modify your credit and mortgage information. Basically, the basic information is searched so that the loan information of the customer can be entered and the input screen is composed. If you want to enter the loan information, enter the details and click the register button. In the case of modification, the loan information selected by the customer is inquired.

20 shows an embodiment of an inquiry screen of a credit loan. View and manage information such as credit and mortgages held by the customer. Basically registered credit and mortgage information is inquired. If you want to modify among the inquired data, you can edit the information by clicking the owner's name.

FIG. 21 illustrates a screen for inputting income information, and inputs, stores, and corrects various kinds of income information (salary, bonus, retirement, other earned income, etc.) of the customer. In this section, enter your and your spouse's earned and business income. In addition, you and your spouse can directly enter real estate rental income, financial income, public pension information, financial income, and other income, and real estate rental income can display a list of non-financial investment assets with rental income.

FIG. 22 is a screen for inputting expenditure information, and inputs, stores, and corrects various expenditure information of the corresponding customer (eating out expenses, clothing expenses, attendance management expenses, health care expenses, culture / entertainment expenses, transportation expenses, communication expenses, etc.). In addition, the monthly loan repayment amount entered in the asset information is automatically set on the screen, and when the automatic calculation button is pressed, the monthly loan repayment amount is automatically calculated. The automatic calculation formula is set in advance and stored.

Also, enter your living expenses and your monthly payments. In addition, the premium payment amount and tax entered in the asset information is automatically set on the screen. If you press the automatic calculation button, insurance premiums and taxes are automatically calculated. Enter your and your spouse's premium payment amount, educational expenses information, and tax.

As described above, the input of the financial information is completed. The input of the financial information is shown by way of example, and it should be understood that all of the above-mentioned financial information (assets, liabilities, income, expenses, etc.) is performed.

After the input of the financial information is completed as described above, as a third step (S3) of the present invention, the diagnosis of the financial condition is performed on the assets, liabilities, income, and expenses in the present state and the achievement of the target is displayed. The financial status diagnosis and the display of the target achievement degree are performed by the financial diagnostic module 103 of the present invention.

Financial status diagnosis includes: 1) Determining the status of asset liabilities, which calculates the statement of financial position, the status of asset liabilities, the list of financial asset details and the list of loan details; 2) Asset liability analysis step of calculating financial asset liquidity, debt ratio and financial asset stability; 3) import expenditure analysis; 4) import expenditure analysis step of calculating average comparison by age, average income comparison, and additional low spending; 5) identifying financial ratios for calculating household spending indicators and other indicators; 6) debt management step of calculating debt repayment schedule, loan repayment, loan refinancing; And 7) the financial target diagnosis step of calculating the current target objective diagnosis and income expenditure flow. The financial state diagnosis is automatically calculated by the financial diagnosis module 103, and displayed on the screen according to the call request of the administrator.

23 to 28 illustrate one embodiment of the financial state diagnosis screen.

23 and 24 are screens showing the current status of the total assets and liabilities in the 1) asset liabilities status. Referring to the drawings, the information on the cash and investment assets and debt information of the customer is shown. At this time, each asset information and liability information is shown by type and the sum of each is displayed.

In addition, Figures 25 and 26 is one embodiment of a screen showing the 3) income spending status. As shown in the figure, the present income / expenditure of the customer is shown, and the current monthly income and expenditure of the customer are summarized.

In addition, FIG. 27 is an embodiment of a screen showing a result of analyzing additional savings capacity through 4) import expenditure analysis.

Fig. 28 shows the result of diagnosis 8) of the financial target, and the degree of achievement is displayed for each financial target. Referring to the drawings, it can be seen that the achievement of retirement funds is 31.65%, and the achievement of family security is 30.75%.

With respect to the above achievement, as the fourth step S4 of the present invention, financial adjustment and / or distribution are performed. The fourth step (S4) is carried out by the financial goal adjustment module 104, which includes 1) allocation of unpaid target assets, 2) allocation of target participant funds, 3) adjustment of living expenses / current savings capacity, 4) adjustment of future savings capacity, etc. Is achieved through

29 to 35 illustrate one embodiment of financial adjustment and / or allocation, and FIG. 36 illustrates an updated financial achievement after adjustment of financial goals.

Fig. 29 is for setting a financial target to be adjusted, and the amount of money against the necessary funds, the prepared funds, and the prepared funds after the adjustment is displayed. Such financial adjustment is carried out through the adjustment of items such as target non-existing assets, target non-existing assets, living expenses / current savings capacity, and future savings capacity. In this case, the target unused asset refers to an asset that does not link the asset to a specific financial target (financial target linkage tag) when the financial information is entered, and the target subsidiary refers to an asset that has already been linked to the specific financial target. On the other hand, living costs, current savings, future savings is calculated in the third step (S3).

30 is a screen displaying a target unpaid asset, and it can be seen that a financial target is not set in a trust, a mutual fund, or a bond. As for the assets that have not been given the target as described above, referring to FIG. 31, it can be seen that the trust (earning trust) is distributed to 30% of retirement fund, 30% of education-love, and 40% of education-Lee Honam. The content distributed as described above is immediately reflected when the confirmation button is pressed.

FIG. 32 is a screen displaying a target surplus asset, in which deposits (periodic deposits, preferential savings for workers), stocks, and non-financial assets (for investment property) have already been executed. In this state, as shown in FIG. 33, it can be seen that the deposits (periodical deposits) are allocated to 50% of retirement funds and 50% of education-love, respectively. The content distributed as described above is immediately reflected when the confirmation button is pressed.

In addition, Figure 34 is a screen for displaying the cost of living before and after adjustment of the current savings, it can be seen that the cost of living is adjusted to 5.0% of retirement funds, 5.0% of education-love.

35 is a view of achieving the financial target reflecting the newly changed contents through the financial adjustment as described above. Referring to the drawings, for each financial goal, the present achievement and the achievement after adjustment are displayed. For example, retirement funding can be seen to increase from 31.7% to 42.0%. However, emergency funding fell from 45.1% to 0%.

As described above, after the achievement of the financial target is changed by the financial adjustment, the new asset may be set by fixing this adjustment state as a reserve fund or by recommending a budget proposal to achieve the financial target in a short time. This is the fifth step S5 of the present invention. The budget could be, for example, insurance, deposits, or new financial instruments.

According to the present invention, it is possible to confirm the achievement of the financial target by linking the client's assets with a specific financial target and calculating the degree of achievement of the financial target. It can be designed to achieve the goal quickly, and it is effective to prevent unnecessary waste of cash or assets by realigning the financial targets of specific assets owned by customers.

1 is a block diagram of an asset adjustment system of the present invention;

2 is a block circuit diagram of a server of the present invention;

3 is a block circuit diagram of a financial goal adjustment module of the server of the present invention;

4 is a flowchart showing the asset adjustment method of the present invention;

Figure 5 is an embodiment of a financial target (family security) setting screen according to the present invention,

Figure 6 is an embodiment of a financial target (retirement fund) setting screen according to the present invention,

Figure 7 is an embodiment of a financial target (education fund) setting screen according to the present invention,

8 is an embodiment of a pop-up window when setting a financial target (education fund) according to the present invention;

Figure 9 is an embodiment of a financial target (marriage fund) setting screen according to the present invention,

10 is an embodiment of a financial target (real estate) setting screen according to the present invention;

Figure 11 is an embodiment of a financial target (other) setting screen according to the present invention,

12 is an embodiment of an asset information (expected rate of return) input screen according to the present invention;

Figure 13 is an embodiment of the asset information (trust / fund) input screen according to the present invention,

14 shows an embodiment of an asset information (trust / fund) inquiry screen according to the present invention;

15 is an embodiment of an asset information (stock) input screen according to the present invention;

Figure 16 is an embodiment of the asset information (stock) inquiry screen according to the present invention,

17 shows an embodiment of an asset information (insurance) input screen according to the present invention;

18 shows an embodiment of an asset information (insurance) inquiry screen according to the present invention;

19 is an embodiment of a debt information (credit loan) input screen according to the present invention;

20 is an embodiment of a debt information (credit loan) inquiry screen according to the present invention,

21 is an embodiment of an import information input screen according to the present invention;

Figure 22 is an embodiment of the expenditure information input screen according to the present invention,

Figure 23 is an embodiment of the financial status diagnosis (assets / liabilities status) screen according to the present invention,

24 is one embodiment of the financial status diagnosis (assets / liabilities status) screen according to the present invention,

25 is an embodiment of the financial status diagnosis (import / expenditure status) screen according to the present invention,

Figure 26 is an embodiment of the financial status diagnosis (import / expenditure status) screen according to the present invention,

Figure 27 is an embodiment of the financial status diagnosis (net savings) screen according to the present invention,

28 is an embodiment of a financial state diagnosis (financial goal achievement) screen according to the present invention;

29 shows an embodiment of a financial target adjustment (adjustment item) screen according to the present invention;

30 is an embodiment of a financial target adjustment (target unused acid distribution) screen according to the present invention;

31 is an embodiment of a screen showing a state of change after a target grant of a financial target adjustment (target non-additional asset allocation) according to the present invention;

32 shows an embodiment of the financial target adjustment (target subsidiary adjustment) screen according to the present invention;

33 is an embodiment of a screen showing a state of change after the target allocation of the financial target adjustment (target subsidiary adjustment) according to the present invention;

34 is an embodiment of a screen showing the current cost of living savings according to the present invention;

35 is an example of a screen showing the financial achievement after adjusting the financial target according to the present invention.

※ Explanation of symbols about main part of drawing ※

10: server 20: customer management server

30: report server 40, 60: web server

50, 52, 70, 72, 74: Client 101: Financial goal input module

102: financial information input module 103: financial diagnostic module

104: Financial Goal Adjustment Module 105: Financial Goal Design Module

104a: Target Allocation Module for Target Migrants

104b: Target Allocation Module for Target Subcontribution

104c: Goal adjustment module for living expenses / current savings

104d: Goal Adjustment Module for Future Savings

Claims (9)

A first step of inputting a specific financial goal to be achieved in the future at a certain point in time; A second step of inputting financial information including assets, liabilities, expenses, income, and setting a financial target (link) tag associated with the specific financial target for each asset; A third step of diagnosing the financial condition of the assets, liabilities, income, and expenditure in the current state and displaying the achievement of the financial target by using the financial information input in the second step; A fourth step of re-adjusting or distributing the financial target tag for each asset using the financial goal achievement level in the third step; And a fifth step of completing the setting of the asset for the financial target by reflecting the asset updated in the fourth step as a reserve fund or setting a new asset. The method of claim 1, The specific financial target in the first step, family security, retirement funds, educational funds, marriage funds, real estate funds, other funds, any one or a combination of two or more assets adjustment method for achieving financial goals. The method according to claim 1 or 2, The specific financial target may set the priority, family security is set to the "0" rank characterized in that the asset adjustment method for achieving the financial target. The method of claim 1, In the third stage, the financial diagnosis includes: 1) an asset liability status calculation step of calculating a financial statement, an asset liability status, a financial asset detail list and a loan detail list; 2) Asset liability analysis step of calculating financial asset liquidity, debt ratio and financial asset stability; 3) import expenditure analysis; 4) import expenditure analysis step of calculating average comparison by age, average income comparison, and additional low spending; 5) identifying financial ratios for calculating household spending indicators and other indicators; 6) debt management step of calculating debt repayment schedule, loan repayment, loan refinancing; And 7) a financial target diagnosis step of calculating the current target diagnosis and the flow of income expenditure. The method of claim 1, In the fourth step, the re-adjustment / distribution of the financial target (linked) tag is carried out through 1) allocation of unpaid target assets, 2) allocation of target contribution funds, 3) adjustment of living expenses / current savings capacity, and 4) adjustment of future savings capacity. Asset adjustment method for achieving financial objectives, characterized in that performed. A financial target input module 101 for inputting a specific financial target to be achieved in the future at a certain point in time; A financial information input module 102 for inputting financial information including assets, liabilities, expenses, income, and setting a financial target tag associated with the specific financial target for each asset; A financial diagnosis module 103 for diagnosing the financial condition of the assets, liabilities, income, and expenses in the current state and displaying the achievement of the financial target by using the financial information input by the financial information input module 102; A financial target adjustment module 104 for re-adjusting or distributing a financial target tag for each asset by using the financial target achievement degree by the financial diagnosis module 103; And a financial target design module 105 for completing the setting of the asset for the financial target by reflecting the asset updated by the financial target adjustment module 104 as a reserve fund or setting a new asset. And Asset adjustment system for achieving the financial goal, characterized in that composed of a plurality of clients connected to the server (10). The method of claim 6, The financial item adjustment module 104 includes: a target distribution module 104a for target unused assets; A target allocation module 104b for the target subsidiary acid; A goal adjustment module 104c for living expenses / current savings power; And a target adjustment module (104d) for future savings potential. The method of claim 6, Asset management system for achieving financial goals, characterized in that the server 10 and a plurality of clients are connected through the Internet. The method of claim 6, Asset management system for achieving financial goals, characterized in that the server (10) and a plurality of clients are connected through an intranet.