Financial products and operating system where lottery pension payments and dividends are calculated by using the internet to receive the number of days or winnings received from the member's fund using the portfolio corresponding to the revenue structure algorithm.

摘要

The present invention relates to a financial product and operating system in which lottery pension payments and dividends are calculated by operating profits of portfolios corresponding to the profit structure algorithm of a member receiving fund of days or winnings. Fund-type days or winning bidders are converted into institutional financial institutions using the Internet, and a certain percentage of the members are drawn in monthly pensions using only the fund's operating income. In addition, the total assets, which are accumulated cumulatively by the profitable profit calculation applied to the profit structure portfolio and the sum of asset returns (increased return on asset value) and operating expenses, are drawn up by contract ratio according to the characteristics of the investment fund and financial instruments. Dividend Financial firms predict the return on investment by fund, develop differentiated financial products, and advertise them on web hosts. Then, a certain number of member groups directly select financial products developed by each financial sector, so that they can conduct consumer-oriented financial transactions. In addition, the fund management entity can manage the funds in a stable manner and manage fair dividends by directly managing loans and receipts in the financial sector (banks, insurance companies, securities companies, investment companies, etc.). When a small group of members (consumer) by financial product is formed on a web host that manages member (consumer) management, disclosures by financial products, and monthly fixed rate lottery, each small group member group by financial product is directly transferred to the financial company. Allow incoming transactions. The web host draws a certain number of members by contract period and notifies the financial institution, and the financial institution starts to pay the pension to the winning member. In addition, a monthly pension is paid to the members who are drawn on the basis of operating income only, and the additional income, such as asset value increase, is drawn according to the characteristics of each financial company's financial instruments. Allocating the fair rate calculated in consideration of the turn, etc., that is, it is possible to prevent financial accidents, such as the damage of private finance, in a way that ensures stable payment of individual member assets and generates continuous profits. It can provide hope and long-term savings, and it is a system that provides new financial products that can contribute to revitalizing savings in institutional finance, increasing profits of common people's assets, and stabilizing households. ; Webhost, member, financial company, sign up, lottery number, receiving fund, operational profit, estimated return on assets, expected pension, estimated financing fee, estimated loss allowance, revenue fund, total expenditure fund, revenue structure algorithm, portfolio, Yeosu New Financial Transactions, Network, Financial Instruments, Math