METHOD AND SYSTEM FOR MANAGING FINANCIAL INSTRUMENTS WITH AUCTION OR INVERSE AUCTION

摘要

A system or method of operating financial instruments using auction or reverse auction is disclosed. The method of operating financial instruments using auction or reverse auction according to the embodiment of the present invention includes a financial instrument establishment server for setting up a plurality of interest rates, preparing a financial instrument bidding list for each of the interest rates, presenting each financial instrument of the bidding list as an auction or reverse auction instrument, performing bidding and winning process to establish a financial instrument, and an account management server for converting the financial instrument determined by a financial account establishment part into a fixed deposit and operating each financial instrument to perform reception in accordance with a predetermined condition. It allows a customer to participate in the auction of the financial instrument presented by a financial institution such as a bank and select and decide the interest rate of the financial instrument they want to join. So, it is possible to improve the financial instrument utilization of the customer and improve the satisfaction of the customer greatly.