The present invention relates to an asset distribution service method and an asset distribution system using a model portfolio which diagnose a past result and a future perspective by comparing a portfolio for assets possessed by a customer and a model portfolio suggested by an asset management server, check a diversified investment level of the customer, and suggest an asset distribution plan following the model portfolio if a diagnosed result is poorer than the model portfolio to diversify investment. According to an embodiment of the present invention, the model portfolio-type asset distribution system comprises: a portfolio selection unit to receive an analysis target possession account from a customer terminal to select a customer portfolio, and suggest a model portfolio to the customer terminal to receive one type among a high profit, a mid-profit, and a stable type; a portfolio analysis unit to compare the customer portfolio and the model portfolio to analyze results for a customer return rate, a customer risk, investment efficiency, and a diversified investment level, and analyze a perspective by items of an expected return rate, an expected risk, investment efficiency, and a diversified investment level for the customer portfolio to compare the customer portfolio with the model portfolio; an analysis result providing unit to supply whether asset distribution is needed to the customer terminal in accordance with a weight incorporation value where a weight is incorporated in each item; and an asset distribution unit to follow the model portfolio by selection of the customer terminal to distribute assets.
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