TWI780321B - Credit maintenance rate trial calculation system and method and computer readable medium - Google Patents
Credit maintenance rate trial calculation system and method and computer readable medium Download PDFInfo
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Abstract
本發明揭露一種信用維持率試算系統，包括：一交易內容存儲裝置，配置成存儲至少一股票交易資訊；一股票資訊收集裝置，配置成根據所述股票交易資訊收集一最新的股票資訊；一警示通知產生裝置，配置成當根據所述最新的股票資訊所得出的一最新維持率小於定義之一指定維持率時，傳送一警示通知到一客戶端裝置，並提供一功能選單顯示於所述客戶端裝置，且接收來自所述客戶端裝置回傳的一試算資訊；以及一資訊產生裝置，配置成根據所述試算資訊，進行試算以產生一結果提供至所述客戶端裝置；其中所述試算資訊包括新維持率、增加現金、增加新股或賣出持股至少其中之一。 The present invention discloses a credit maintenance rate trial calculation system, comprising: a transaction content storage device configured to store at least one stock transaction information; a stock information collection device configured to collect the latest stock information according to the stock transaction information; a warning The notification generating device is configured to send a warning notification to a client device and provide a function menu to be displayed on the client when a latest maintenance rate obtained according to the latest stock information is less than a defined specified maintenance rate A terminal device, and receives a trial calculation information returned from the client device; and an information generating device configured to perform a trial calculation according to the trial calculation information to generate a result and provide it to the client device; wherein the trial calculation Information includes at least one of new maintenance ratios, increased cash, increased new shares, or sold holdings.
Description
本發明揭露一種和金融服務相關之試算系統與方法以及電腦可讀取媒體，尤其是一種信用維持率試算系統與方法以及電腦可讀取媒體。 The present invention discloses a trial calculation system and method related to financial services and a computer-readable medium, especially a credit maintenance rate trial calculation system and method and a computer-readable medium.
目前金融機構如：證券公司可提供客戶貸款，以融資融券方式來買賣股票，使股票交易具有多樣性，但是，客戶與金融機構間的利潤及損失也將相互關聯。而信用維持率就是用以參考的指標，簡單來說，將股票市價除以信用交易金額所計算出來的比例用來做為基準值，就單一股票的算法如下：假設融資買進一檔1000元的股票，融資成數六成，當股價在1000元時的維持率=1000/60×100%=167%，股票現值為分子，融資金額為分母，再乘上100%就是融資維持率。當股價跌到78元時，維持率將降為78/60×100%=130% At present, financial institutions such as securities companies can provide loans to customers and buy and sell stocks in the form of margin financing and securities lending, which makes stock trading more diverse. However, the profits and losses between customers and financial institutions will also be related to each other. The credit maintenance rate is an indicator for reference. Simply put, the ratio calculated by dividing the stock market price by the credit transaction amount is used as a benchmark value. The calculation for a single stock is as follows: Assume that financing buys a tranche of 1,000 yuan For stocks, the financing ratio is 60%. When the stock price is 1,000 yuan, the maintenance rate = 1000/60×100%=167%. When the stock price falls to 78 yuan, the maintenance rate will be reduced to 78/60×100%=130%
提供融資、融券的金融機構為保障自身權益，下文將以證券公司為金融機構的範例進行說明。證券公司在計算維持率時，是以整戶為單位進行計算，也就是針對某個客戶的一個戶頭裡所有的股票，只要是以融資融券方式進行交易的部份都將一併計算。因應股價的漲跌，若使得某個客戶之整戶維持率低於指定維持率時，證券公司會通知該客戶需於指定期限內補繳差額現金，以提高整戶維持率，若該客戶未能於指定期限內補繳而股價續跌到指定維持率 以下，則會遭證券公司強制賣出融資的股票或買回融券的股票，也就是所謂的「斷頭」。 In order to protect their own rights and interests, financial institutions that provide financing and securities lending will be explained below using a securities company as an example of a financial institution. When a securities company calculates the maintenance rate, it calculates the whole account as a unit, that is, all the stocks in one account of a certain customer, as long as they are traded in the form of margin trading and securities lending, they will be calculated together. In response to the rise and fall of the stock price, if the entire account maintenance rate of a certain customer is lower than the specified maintenance rate, the securities company will notify the customer to pay the difference in cash within the specified time limit to improve the entire account maintenance rate. Able to make up payment within the specified period and the stock price continues to fall to the specified maintenance rate After that, the securities company will be forced to sell the stocks for financing or buy back the stocks for securities lending, which is the so-called "decapitation".
根據目前的中華民國之財政部規定，信用交易最低整戶擔保維持率自104年5月4日起為130%，即代表如果某個客戶的維持率低於指定維持率即130%以下，就有追繳現金的壓力。因此，在上面的範例中，證券公司通常會將指定維持率定為130%。指定維持率會根隨財政部依市場狀況而定的標準不同，證券公司也可在這標準中做彈性調整。 According to the current regulations of the Ministry of Finance of the Republic of China, the minimum guarantee maintenance rate for credit transactions is 130% from May 4, 2014, which means that if a customer's maintenance rate is lower than the specified maintenance rate, which is below 130%, it will be There is pressure to go after cash. Therefore, in the above example, the securities company usually sets the specified maintenance rate at 130%. The designated maintenance rate will vary according to the standards determined by the Ministry of Finance according to market conditions, and securities companies can also make flexible adjustments in this standard.
回到上面的範例，若指定維持率為130%，證券公司接受操作金額上限通常為當初融資的1.3倍(維持率130%)也就是78萬(60萬×1.3)，股價低於78萬，就至少得補繳保證金到78萬。若目前的股價跌到只剩70萬，原先保證金若不足，就得被追繳現金。 Going back to the above example, if the designated maintenance rate is 130%, the upper limit of the securities company’s acceptance of the operation amount is usually 1.3 times the original financing (130% maintenance rate), which is 780,000 (600,000 × 1.3), and the stock price is lower than 780,000. You have to pay at least 780,000 as a security deposit. If the current stock price drops to only 700,000 yuan, if the original margin is insufficient, the cash will have to be called.
若因信用交易股票損失過大，使得融資維持率低於標準，證券公司追繳保證金若客戶又無法如期繳交，證券公司就會在市場上自行處理該股票，收回融資借款及相關費用後，將餘款還給客戶，這就是斷頭，也就是證交所替客戶設立的法定停損點。所以一旦被斷頭，客戶的損失將會非常巨大。然而，提高維持率並非只有補繳現金，投資人還有增加融資或融券，或補繳部分現金配合增加融資或融券等不同的方式，但是投資人在先前技術的投資系統下沒有維持率試算的功能，投資人也不易自行計算維持率，使得投資人無法得知採取不同的方式可以試算其維持率是否達到指定維持率。因此，本發明提供一種信用維持率試算系統與方法，將有助於產業利用性。 If the stock loss due to credit trading is too large, the financing maintenance rate is lower than the standard, and the securities company calls for the margin. If the customer fails to pay the deposit on time, the securities company will dispose of the stock in the market by itself, and after recovering the financing loan and related expenses, the remaining If the money is returned to the client, this is a broken head, which is the statutory stop loss point set up by the stock exchange for the client. So once the head is cut off, the customer's loss will be huge. However, increasing the maintenance rate is not limited to supplementing cash. Investors also have different ways to increase financing or securities lending, or supplement part of the cash to cooperate with increasing financing or securities lending. However, investors have no maintenance rate under the investment system of the previous technology. With the function of trial calculation, it is not easy for investors to calculate the maintenance rate by themselves, so that investors cannot know whether the maintenance rate reaches the specified maintenance rate by adopting different methods. Therefore, the present invention provides a credit maintenance rate trial calculation system and method, which will contribute to industrial applicability.
本發明的目的在於提供一種信用維持率試算系統與方法以及電 腦可讀取媒體，於符合現行法律規範下，將同時保障金融機構之權益並同時提供金融機構之客戶更快速且更簡易之信用維持率試算方式，其一方面可以減少金融機構的作業成本，另一方面能節省金融機構之客戶的時間成本。 The purpose of the present invention is to provide a credit maintenance rate trial calculation system and method and electronic Brain-readable media, in compliance with current laws and regulations, will simultaneously protect the rights and interests of financial institutions and at the same time provide customers of financial institutions with a faster and easier way to calculate the credit maintenance ratio. On the one hand, it can reduce the operating costs of financial institutions. On the other hand, it can save the time cost of customers of financial institutions.
本發明的另一目的在於提供一種信用維持率試算系統與方法以及電腦可讀取媒體，於客戶最新的股票資訊所得出的最新維持率小於指定維持率時，即時地傳送警示通知，並即時地建議客戶以有利方式處理其投資之股票，以保護客戶的財產並減少客戶的損失。 Another object of the present invention is to provide a credit maintenance rate trial calculation system and method and a computer-readable medium. When the latest maintenance rate obtained from the latest stock information of the customer is lower than the specified maintenance rate, a warning notification is sent in real time, and the Advise customers to deal with their invested stocks in a favorable manner to protect the customer's property and reduce the customer's loss.
本發明的又一目的在於提供一種信用維持率試算系統與方法以及電腦可讀取媒體，於客戶最新的股票資訊所得出的最新維持率小於指定維持率時，由客戶選擇不同投資處理方式試算維持率，以利客戶更快速且更簡易做出投資決策，進而保護客戶的財產。 Another object of the present invention is to provide a credit maintenance rate trial calculation system and method and a computer-readable medium. When the latest maintenance rate obtained by the customer's latest stock information is lower than the specified maintenance rate, the customer can choose different investment processing methods to try out the maintenance rate, so that customers can make investment decisions faster and easier, thereby protecting customers' property.
為達到發明目的，本發明揭露一種信用維持率試算系統，包括：一交易內容存儲裝置，配置成存儲至少一股票交易資訊；一股票資訊收集裝置，配置成根據所述股票交易資訊收集一最新的股票資訊；一警示通知產生裝置，配置成當根據所述最新的股票資訊所得出的一最新維持率小於定義之一指定維持率時，傳送一警示通知到一客戶端裝置，並提供一功能選單顯示於所述客戶端裝置，且接收來自所述客戶端裝置回傳的一試算資訊；以及一資訊產生裝置，配置成根據所述試算資訊，進行試算以產生一結果提供至所述客戶端裝置；其中所述試算資訊包括新維持率、增加現金、增加新股或賣出持股至少其中之一。 To achieve the purpose of the invention, the present invention discloses a credit maintenance rate trial calculation system, comprising: a transaction content storage device configured to store at least one stock transaction information; a stock information collection device configured to collect the latest Stock information; a warning notification generating device configured to send a warning notification to a client device and provide a function menu when a latest maintenance rate obtained according to the latest stock information is less than a defined specified maintenance rate displaying on the client device, and receiving trial calculation information returned from the client device; and an information generating device configured to perform a trial calculation based on the trial calculation information to generate a result and provide it to the client device ; wherein said trial calculation information includes at least one of new maintenance rate, increased cash, increased new shares or sold holdings.
為達到發明之目的，本發明還揭露一種信用維持率試算方法，包括下列步驟：存儲至少一股票交易資訊；根據所述股票交易資訊收集一最新的 股票資訊；當根據所述最新的股票資訊所得出的一最新維持率小於定義之一指定維持率時，傳送一警示通知到一客戶端裝置，並提供一功能選單顯示於所述客戶端裝置，且接收來自所述客戶端裝置回傳的一試算資訊，其中所述試算資訊包括新維持率、增加現金、增加新股或賣出持股至少其中之一；以及根據所述試算資訊，進行試算以產生一結果提供至所述客戶端裝置。 In order to achieve the purpose of the invention, the present invention also discloses a method for calculating the credit maintenance ratio, which includes the following steps: storing at least one stock transaction information; collecting a newest one according to the stock transaction information Stock information; when a latest maintenance rate obtained according to the latest stock information is less than a defined specified maintenance rate, a warning notification is sent to a client device, and a function menu is provided to be displayed on the client device, And receive a trial calculation information returned from the client device, wherein the trial calculation information includes at least one of new maintenance rate, increase in cash, increase of new shares, or sell holdings; and according to the trial calculation information, perform trial calculation to A result is generated and provided to the client device.
為達到發明之目的，本發明還揭露一種非暫時性電腦可讀取媒體，其上儲存有一軟體程式，該軟體程式執行時，將使具有一運算能力之至少一電子裝置進行上述之信用維持率試算方法。 To achieve the purpose of the invention, the present invention also discloses a non-transitory computer-readable medium on which a software program is stored. When the software program is executed, at least one electronic device with a computing capability will perform the above-mentioned credit maintenance rate Trial method.
本發明另外還揭露一種非暫時性電腦可讀取媒體，儲存有一軟體程式，該軟體程式執行時，將使一客戶端裝置接收一關於補繳現金以提高維持率之警示通知後，回傳一試算資訊以獲得一結果，其中所述試算資訊為新維持率，所述結果為一建議資訊，其中所述試算資訊為增加現金、增加新股或賣出持股至少其中之一，所述結果為一試算維持率。 The present invention also discloses a non-transitory computer-readable medium, which stores a software program. When the software program is executed, a client device will receive a warning notification about paying cash to improve the maintenance rate, and then send back a Trial calculation information to obtain a result, wherein the trial calculation information is a new maintenance rate, and the result is a suggestion information, wherein the trial calculation information is at least one of increasing cash, increasing new shares, or selling holdings, and the result is Calculate the retention rate.
實現本發明方法與系統，投資者在最新的股票資訊所得出的一最新維持率小於定義之一指定維持率時，其客戶端裝置收到一警示通知可獲得一功能選單，以選擇回傳一試算資訊來獲得一建議資訊或一試算維持率之結果，俾使投資者更快速且更簡易做出投資決策。 To implement the method and system of the present invention, when the latest maintenance rate obtained by the latest stock information is less than a defined specified maintenance rate, the client device receives a warning notification and can obtain a function menu to choose to return a Trial calculation information is used to obtain a recommendation information or a trial maintenance rate result, so that investors can make investment decisions more quickly and easily.
對於相關領域一般技術者而言這些與其他的觀點與實施例在參考後續詳細描述與伴隨圖示之後將變得明確。 These and other aspects and embodiments will become apparent to those of ordinary skill in the relevant art upon reference to the ensuing detailed description and accompanying drawings.
100:信用維持率試算系統 100: Credit Maintenance Ratio Trial Calculation System
110:交易內容存儲裝置 110: transaction content storage device
120:股票資訊收集裝置 120:Stock information collection device
130:警示通知產生裝置 130: warning notification generation device
140:資訊產生裝置 140: Information generating device
142:建議資訊產生裝置 142: Suggested information generating device
144:維持率計算裝置 144: Maintenance rate calculation device
146:個股資訊產生裝置 146: Individual stock information generating device
148:個股維持率計算裝置 148:Individual stock maintenance rate calculation device
150:網路 150: Network
160:客戶端裝置 160: client device
S202:步驟 S202: step
S204:步驟 S204: step
S206:步驟 S206: step
S208:步驟 S208: step
300:個股信用交易資訊 300: Individual stock credit transaction information
302:資料欄位 302: data field
304:資料欄位 304: data field
306:資料欄位 306: data field
350:整戶信用交易資訊 350: Entire Account Credit Transaction Information
352:資料欄位 352: data field
400:建議資訊功能 400: Suggest information function
402:資料欄位 402: data field
404:試算按鈕 404: trial calculation button
406:建議資訊 406: Suggested information
408:資料欄位 408: data field
410:資料欄位 410: data field
412:詳細資料按鈕 412:Detail button
450:建議資訊詳細資料 450:Proposal Information Details
500:維持率計算功能 500:Maintenance rate calculation function
502:資料欄位 502: data field
504:試算按鈕 504: trial calculation button
506:資料欄位 506: data field
700:增加新股功能 700: Add new share function
710:顯示增加新股模組 710: Displays the addition of new stock modules
712:新增按鈕 712: Add button
720:增加新股模組 720: Add new stock module
722:確定按鈕 722: OK button
900:個股維持率試算功能 900: trial calculation function of individual stock maintenance rate
902:個股選擇功能 902: Individual stock selection function
904:資料欄位 904: data field
912:功能選單 912: Function menu
914:資料欄位 914: data field
916:試算按鈕 916: trial calculation button
918:建議資訊 918: Advice Information
1014:資料欄位 1014: data field
1018:試算結果 1018: Trial calculation results
1114:資料欄位 1114: data field
1118:試算結果 1118: Trial calculation results
302_1~302_16:記錄 302_1~302_16: record
800:賣出持股功能 800: function of selling shares
本發明描述之線上開戶系統與方法以及電腦程式產品，將以各 種實施例進一步說明。該等實施例詳細描述皆以附圖為參考依據，且屬非限制性實施例，其中類同的元件符號係標示不同視角的圖示之間呈現之類似結構，且其中：第一圖係依據本發明實施例之信用維持率試算系統的系統架構圖。 The online account opening system and method and computer program products described in the present invention will use various A kind of embodiment is further described. The detailed descriptions of these embodiments are all based on the accompanying drawings, and are non-limiting embodiments, wherein the same reference numerals indicate similar structures presented between the figures of different viewing angles, and wherein: the first figure is based on A system architecture diagram of the credit maintenance ratio trial calculation system of the embodiment of the present invention.
第二圖係依據本發明實施例之信用維持率試算方法的流程圖。 The second figure is a flow chart of the credit maintenance ratio trial calculation method according to the embodiment of the present invention.
第三A圖及第三B圖係用於本發明實施例之客戶信用交易資訊。 The third picture A and the third picture B are customer credit transaction information used in the embodiment of the present invention.
第四A圖及第四B圖係依據本發明實施例之整戶維持率試算功能的一範例的示意圖。 The fourth figure A and the fourth figure B are schematic diagrams of an example of the trial calculation function of the whole household maintenance rate according to the embodiment of the present invention.
第五圖係依據本發明實施例之進行整戶維持率試算功能的另一範例的示意圖。 The fifth figure is a schematic diagram of another example of the trial calculation function of the whole household maintenance rate according to the embodiment of the present invention.
第六圖係依據第五圖之進行整戶維持率試算功能當試算資訊為指定交易資訊之第一範例的示意圖。 The sixth picture is a schematic diagram of the first example of the trial calculation function of the entire account maintenance rate based on the fifth picture when the trial calculation information is the specified transaction information.
第七A圖及第七B圖係依據第五圖之進行整戶維持率試算功能當試算資訊為指定交易資訊之第二範例的示意圖。 The seventh picture A and the seventh picture B are schematic diagrams of the second example of the trial calculation function of the entire account maintenance rate based on the fifth picture when the trial calculation information is the designated transaction information.
第八A圖及第八B圖係依據第五圖之進行整戶維持率試算功能當試算資訊為指定交易資訊之第三範例的示意圖。 The eighth picture A and the eighth picture B are schematic diagrams of the third example of the trial calculation function of the entire account maintenance rate based on the fifth picture when the trial calculation information is the designated transaction information.
第九圖係依據本發明實施例之個股維持率試算功能之第一範例的示意圖。 Figure 9 is a schematic diagram of the first example of the trial calculation function of individual stock maintenance rate according to the embodiment of the present invention.
第十圖係依據本發明實施例之個股維持率試算功能之第二範例的示意圖。 Figure 10 is a schematic diagram of the second example of the trial calculation function of individual stock maintenance ratio according to the embodiment of the present invention.
第十一圖係依據本發明實施例之個股維持率試算功能之第三範例的示意圖。 Figure 11 is a schematic diagram of the third example of the trial calculation function of individual stock maintenance rate according to the embodiment of the present invention.
現在將參考本發明之伴隨圖式詳細描述實施例。在該伴隨圖式中，相同及/或對應元件系以相同參考符號所表示。 Embodiments will now be described in detail with reference to the accompanying drawings of the present invention. In the accompanying drawings, identical and/or corresponding elements are denoted by identical reference symbols.
在此將揭露各種實施例；然而，要瞭解到所揭露之實施例只用於作為可體現為各種形式之例證。此外，連接各種實施例所給予之每一範例都預期作為例示，而非用於限制。進一步的，該圖式並不一定符合尺寸比例，某些特徵係被放大以顯示特定元件之細節(且該圖式中所示之任何尺寸、材料與類似細節都預期僅為例示而非限制)。因此，在此揭露之特定結構與功能細節並不被解釋做為限制，而只是用於教導相關領域技術人員實作所揭露之實施例的基礎。 Various embodiments will be disclosed herein; however, it is to be understood that the disclosed embodiments are merely illustrative of the various forms that can be embodied. Furthermore, each example given in conjunction with the various embodiments is intended to be illustrative, not limiting. Further, the drawings are not necessarily to scale and certain features are exaggerated to show details of particular elements (and any dimensions, materials and similar details shown in the drawings are intended to be illustrative only and not limiting) . Therefore, specific structural and functional details disclosed herein are not to be interpreted as limiting, but merely as a basis for teaching one skilled in the relevant art to practice the disclosed embodiments.
在以下多個示例具體實施例的詳細敘述中，對該等隨附圖式進行參考，該等圖式形成本發明之一部分。且係以範例說明的方式顯示，藉由該範例可實作該等所敘述之具體實施例。提供足夠的細節以使該領域技術人員能夠實作該等所述具體實施例，而要瞭解到在不背離其精神或範圍下，也可以使用其他具體實施例，並可以進行其他改變。此外，雖然可以如此，但對於「一實施例」的參照並不需要屬於該相同或單數的具體實施例。因此，以下詳細敘述並不具有限制的想法，而該等敘述具體實施例的範圍係僅由該等附加申請專利範圍所定義。 In the following detailed description of a number of exemplary embodiments, reference is made to the accompanying drawings, which form a part hereof. It is shown by way of illustration by way of example by which the described embodiments can be practiced. Sufficient detail is provided to enable those skilled in the art to practice the described embodiments, but it is understood that other embodiments may be utilized, and other changes may be made, without departing from the spirit or scope thereof. Furthermore, while it may be, references to "an embodiment" do not necessarily pertain to that same or singular specific embodiment. Therefore, the following detailed description is not intended to be limiting, and the scope of the described embodiments is defined only by the appended claims.
第一圖係依據本發明實施例之信用維持率試算系統的系統架構圖。本發明實施例之信用維持率試算系統100可利用於可提供客戶貸款以融資融券方式來買賣股票之金融機構，下文將以證券公司為金融機構的範例進行說明。
The first figure is a system architecture diagram of a credit maintenance ratio trial calculation system according to an embodiment of the present invention. The credit maintenance rate
如第一圖所示，本發明實施例之信用維持率試算系統100包括交
易內容存儲裝置110、股票資訊收集裝置120、警示通知產生裝置130以及資訊產生裝置140。在本實施例中，交易內容存儲裝置110、股票資訊收集裝置120、警示通知產生裝置130以及資訊產生裝置140配置於伺服器端(圖中未顯示)，信用維持率試算系統100透過網路150與證券公司的客戶之客戶端裝置160連結。
As shown in the first figure, the credit maintenance ratio
在本實施例中，交易內容存儲裝置110用以存儲客戶的至少一股票交易資訊。股票資訊收集裝置120用以根據該客戶的股票交易資訊收集最新的股票資訊，在此為股票之目前市價。
In this embodiment, the transaction
警示通知產生裝置130用以當根據最新的股票資訊所得出的最新維持率小於定義之指定維持率時，傳送警示通知到客戶端裝置160，並提供功能選單顯示於客戶端裝置160，且接收來自客戶端裝置160回傳的試算資訊。客戶端裝置160回傳的試算資訊可為新維持率、增加現金、增加新股或賣出持股至少其中之一種。
The warning
在本發明的其它實施例中，警示通知產生裝置130可傳送附帶有功能選單的網址到客戶端裝置160，客戶端裝置160可點擊網址以根據客戶端裝置160的硬體設備開啟相對應之功能選單。
In other embodiments of the present invention, the warning
根據目前的中華民國之財政部規定，信用交易最低整戶擔保維持率為130%，因此，根據財政部之規定指定維持率最少需為130%，指定維持率可隨財政部依市場狀況而定的標準不同，證券公司也可在這標準以上做彈性調整，例如將指定維持率定為160%，即當根據最新的股票資訊所得出的最新維持率小於160%時，即傳送警示通知到客戶端裝置160。
According to the current regulations of the Ministry of Finance of the Republic of China, the minimum guarantee maintenance rate for credit transactions is 130%. Therefore, according to the regulations of the Ministry of Finance, the designated maintenance rate must be at least 130%. The designated maintenance rate can be determined by the Ministry of Finance according to market conditions. According to different standards, securities companies can also make flexible adjustments above this standard. For example, the specified maintenance rate is set at 160%, that is, when the latest maintenance rate based on the latest stock information is less than 160%, a warning notice will be sent to the customer.
資訊產生裝置140根據試算資訊，進行試算以產生結果提供至客戶端裝置160。在本實施例中，功能選單包括整戶維持率試算功能以及個股維持
率試算功能，整戶維持率試算功能更包括建議資訊功能以及維持率計算功能，因此，試算資訊將可為新維持率、指定交易資訊、對應目標個股之新維持率以及對應目標個股之指定交易資訊，資訊產生裝置140將根據不同之試算資訊，進行試算以產生結果。
The
在本實施例中，資訊產生裝置140包括建議資訊產生裝置142、維持率計算裝置144、個股資訊產生裝置146以及個股維持率計算裝置148。
In this embodiment, the
建議資訊產生裝置142用以於試算資訊為新維持率時，利用新維持率產生建議資訊作為所述結果。建議資訊產生裝置142更可用以將建議資訊提供於客戶端裝置160顯示，建議資訊包括至少一檔建議之融資賣出股票或增加現金至少其中之一，並接收來自客戶端裝置160回傳的建議交易命令，其中所述建議交易命令選自所述建議資訊包括的其中之一者。
The suggestion
維持率計算裝置144用以於試算資訊為指定交易資訊時，根據指定交易資訊算出試算維持率作為結果，並將試算維持率提供於自客戶端裝置160顯示，指定交易資訊包括增加現金、增加新股或賣出持股至少其中之一。其中之指定交易資訊由客戶端裝置160經由維持率計算功能所輸入，維持率計算功能包括接收增加現金、增加新股或賣出持股至少其中之一輸入。
The maintenance
個股資訊產生裝置146用以於試算資訊為對應目標個股之新維持率時，利用新維持率產生建議資訊作為結果，其中建議資訊包括目標股價或補繳現金。
The individual stock
個股維持率計算裝置148用以於試算資訊為對應目標個股之指定交易資訊時，根據指定交易資訊算出試算維持率作為結果，並將試算維持率提供於客戶端裝置160顯示，其中指定交易資訊包括補繳現金或新目標價。
The individual stock maintenance
第二圖係依據本發明實施例之信用維持率試算方法的流程圖。 The second figure is a flow chart of the credit maintenance ratio trial calculation method according to the embodiment of the present invention.
為詳細說明本發明實施例之信用維持率試算方法，請一併參考第一圖，如圖所示，在步驟S202，存儲至少一股票交易資訊。 For the detailed calculation method of the credit maintenance ratio of the embodiment of the present invention, please refer to the first figure together. As shown in the figure, in step S202, at least one stock transaction information is stored.
在步驟S204，根據股票交易資訊收集最新的股票資訊。 In step S204, the latest stock information is collected according to the stock transaction information.
在步驟S206，當根據最新的股票資訊所得出的最新維持率小於定義之指定維持率時，傳送警示通知到客戶端裝置160，並提供功能選單顯示於客戶端裝置160，且接收來自客戶端裝置160回傳的試算資訊，其中試算資訊可為新維持率、增加現金、增加新股或賣出持股至少其中之一種。
In step S206, when the latest maintenance rate obtained according to the latest stock information is less than the defined specified maintenance rate, a warning notification is sent to the
在步驟S208，根據試算資訊，進行試算以產生結果提供至客戶端裝置160。在本實施例中，由於功能選單包括整戶維持率試算功能以及個股維持率試算功能，整戶維持率試算功能更包括建議資訊功能以及維持率計算功能，因此，試算資訊可為新維持率、指定交易資訊、對應目標個股之新維持率以及對應目標個股之指定交易資訊，下文將舉詳細之實施例分別說明根據不同之試算資訊，進行試算以產生結果。
In step S208 , according to the trial calculation information, a trial calculation is performed to generate a result and provide it to the
在此之前，請先參考第三A圖及第三B圖，第三A圖及第三B圖用於說明本發明實施例之客戶信用交易資訊，客戶信用交易資訊包括兩個主要部份，第一部份為第三A圖所示之個股信用交易資訊300，第二部份則為第三B圖所示之整戶信用交易資訊350。
Before that, please refer to the third figure A and the third figure B. The third figure A and the third figure B are used to illustrate the customer credit transaction information of the embodiment of the present invention. The customer credit transaction information includes two main parts, The first part is the individual stock
個股信用交易資訊300包含客戶的至少一股票交易資訊以及根據該股票交易資訊收集最新的股票資訊。如第三A圖所示，個股信用交易資訊300包括記錄302_1~302_16，每筆記錄302_1~302_16代表了該客戶的一檔庫存個股，每筆記錄302_1~302_16包括股票名稱、委託別、成交均價、個股維持率、
庫存股數、融資自備款、融資金額、融資擔保品、融劵擔保品、融劵擔保品、預股利息、市價以及市值之資料欄位。
The individual stock
在本實施例中，股票交易資訊包含股票名稱、委託別、成交均價、庫存股數、融資自備款、融資金額、融資擔保品、融劵擔保品、融劵擔保品、預股利息之資料欄位以及其所對應之資訊。在本實施例中，最新的股票資訊為市價之資料欄位302以及其所對應之資訊。另外，為了讓客戶了解其庫存之市值，在本實施例中，股票交易資訊更包含市值之資料欄位304，其所對應之資訊為庫存股數乘以市價所得。另外，根據最新的股票資訊所算出的最新維持率也將儲存在個股維持率之資料欄位306。
In this embodiment, the stock transaction information includes the name of the stock, entrustment type, average transaction price, number of treasury shares, self-provided funds for financing, financing amount, financing collateral, securities lending collateral, securities lending collateral, and pre-stock interest. Data fields and their corresponding information. In this embodiment, the latest stock information is the
個股維持率的計算方式分列如下：當委託別為融資時，融資標的之維持率=(融資標的證券市值)÷(融資金額)×100%。 The calculation method of the maintenance rate of individual stocks is as follows: When the entrustment is financing, the maintenance rate of the financing target = (market value of the financing target securities) ÷ (financing amount) × 100%.
當委託別為融券時，融券標的之維持率=(融券擔保品及保證金)÷(融券標的證券市值)×100%。 When the entrustment is securities lending, the maintenance rate of the securities lending target = (short lending collateral and deposit) ÷ (market value of the securities lending target) × 100%.
以記錄302_1為例說明之，記錄302_1所對應之股票名稱為應華(5392)，融資標的證券市值為35,400，融資金額為31,000，因此，融資標的之維持率=(融資標的證券市值)÷(融資金額)×100%=35,400/31,000×100%=114.19%。 Taking record 302_1 as an example, the name of the stock corresponding to record 302_1 is Yinghua (5392), the market value of the financing target securities is 35,400, and the financing amount is 31,000. Therefore, the maintenance rate of the financing target = (market value of the financing target securities) ÷ ( Financing amount)×100%=35,400/31,000×100%=114.19%.
整戶信用交易資訊350為該客戶之融資額度、融劵額度以及統計個股信用交易資訊300中16筆股票交易資訊所得的統計資料，具體來說包含融資額度、融資餘額、勝餘融資餘額、擔保品市值、融資證劵市值、融劵額度、融劵餘額、勝餘融劵餘額、融劵擔保品及保證金、融劵證劵市值之資料欄位以
及其所對應之資訊。另外，將根據這些資訊出整戶維持率個股維持率並在資料欄位352中顯示，在本實施例中，資料欄位352顯示為158.40%。
Whole-account
整戶維持率的計算公式如下：擔保維持率=(融資擔保品證券市值+融券擔保品及保證金+抵繳有價證券或其他商品市值)÷(融資金額+融券標的證券市值)×100% The formula for calculating the entire account maintenance rate is as follows: Guarantee maintenance rate = (Market value of financing collateral securities + securities lending collateral and margin + market value of marketable securities or other commodities paid in) ÷ (financing amount + market value of underlying securities for securities lending) × 100%
詳細計算的方法可參考證券商辦理有價證券買賣融資融券業務操作辦法第53條，此為臺灣證券交易所所公開之資訊。 For the detailed calculation method, please refer to Article 53 of the Operational Measures for Margin Trading and Securities Lending by Securities Firms, which is the information published by the Taiwan Stock Exchange.
如上所述，在本實施例中，功能選單包括整戶維持率試算功能，整戶維持率試算功能更包括建議資訊功能以及維持率計算功能，因此，試算資訊可為新維持率以及指定交易資訊。下文將配合第四A圖及第四B圖並同時參考第一圖，說明功能選單為整戶維持率試算功能中的建議資訊功能且試算資訊為新維持率時，進行試算以產生結果，提供至客戶端裝置160的範例。
As mentioned above, in this embodiment, the function menu includes the trial calculation function of the entire account maintenance rate, and the trial calculation function of the entire account maintenance rate further includes the function of suggesting information and the function of calculating the maintenance rate. Therefore, the trial calculation information can be the new maintenance rate and specified transaction information . The following will cooperate with the fourth picture A and the fourth B picture and refer to the first picture at the same time, explaining that the function menu is the suggested information function in the trial calculation function of the whole account maintenance rate, and when the trial calculation information is the new maintenance rate, perform a trial calculation to generate the result, and provide To the example of the
如第四A圖所示，建議資訊功能400將顯示於客戶端裝置160，客戶將經由客戶端裝置160輸入試算資訊。在本實施例中，試算資訊為新維持率，客戶經由客戶端裝置160於建議資訊功能400中「目標維持率：」旁邊的資料欄位402輸入試算資訊即新維持率，在本實施例中，新維持率為170%。
As shown in FIG. 4A , the suggested
接著，客戶經由客戶端裝置160按下試算按鈕404後，客戶端裝置160將此試算資訊即新維持率170%回傳到資訊產生裝置140的建議資訊產生裝置142中。建議資訊產生裝置142利用新維持率產生建議資訊406並將建議資訊406提供於客戶端裝置160顯示，建議資訊406包括至少一檔建議之融資賣出股票或增加現金至少其中之一。
Then, after the customer presses the
在本實施例中，於客戶端裝置160顯示的建議資訊406包含增加
現金之資料欄位408、減碼部份之資料欄位410及其所對應之資訊。具體來說，增加現金之資料欄位408及其所對應之資訊顯示為$20,400元，代表客戶若增加現金$20,400元時，將達成目標維持率170%。
In this embodiment, the suggested
減碼部份之資料欄位410及其所對應之資訊顯示資賣：應華(5392)1張、資賣：佳必琪(6197)1張、資賣：華邦電(2344)1張以及資賣：品安(8088)1張，客戶可按下詳細資料按鈕412後得到更多如第四B圖所示之建議資訊詳細資料450，代表客戶若依建議資訊詳細資料450中融資賣出股票時，將達成目標維持率170%。在本實施例中，產生建議資訊詳細資料450從客戶之個股信用交易資訊300中選擇並產生，其先選擇個股維持率之資料欄位中資料數值較低者並找出其對應之記錄並開始產出建議，在此即選擇了股票名稱之資料欄位為應華(5392)、佳必琪(6197)、華邦電(2344)以及品安(8088)的記錄，並顯示對應之股票名稱、委託別、庫存股數、成交均價、個股維持率、融資自備款之資料欄位以及其所對應之資訊。在本實施例中，建議資訊詳細資料450還包括建議資訊產生裝置142所新增之減碼類型、減碼/償還股數、成交日期、委託書號之資料欄位以及其所對應之資訊。
The
另外，當客戶依此建議資訊詳細資料450可回傳建議交易命令以通知業務員進行此建議資訊406所建議之交易，在此即代表融資賣出應華(5392)、佳必琪(6197)、華邦電(2344)以及品安(8088)各1張。
In addition, when the customer can return the suggested transaction order according to the
下文將配合第五圖並同時參考第一圖，說明功能選單為整戶維持率試算功能中的維持率計算功能且試算資訊為指定交易資訊時，進行試算以產生結果，提供至客戶端裝置160的範例。
The following will cooperate with the fifth figure and refer to the first figure to explain that when the function menu is the maintenance rate calculation function in the whole account maintenance rate trial calculation function and the trial calculation information is the specified transaction information, the trial calculation is performed to generate the result and provided to the
如第五圖所示，維持率計算功能500將顯示於客戶端裝置160，客
戶將經由客戶端裝置160於輸入試算資訊。在本實施例中，試算資訊為客戶所輸入的指定交易資訊其包括增加現金、增加新股或賣出持股至少其中之一，當客戶經由客戶端裝置160於「選項」之資料欄位502選擇輸入「$輸入金額」、「請選擇欲加碼部份」或「請選擇欲減碼部份」至少其中之一時，指定交易資訊即為客戶所輸入的資訊。具體來說，當客戶於「選項」之資料欄位502選擇輸入「$輸入金額」時，表示客戶想補繳所輸入之金額，因此，指定交易資訊即為增加現金。當客戶於「選項」之資料欄位502選擇輸入「請選擇欲加碼部份」時，表示客戶想增加新股，指定交易資訊即為增加新股。當客戶於「選項」之資料欄位502選擇輸入「請選擇欲減碼部份」時，表示客戶想賣出持股，指定交易資訊即為賣出持股。
As shown in the fifth figure, the maintenance
接著，客戶經由客戶端裝置160按下試算按鈕504後，客戶端裝置160將此指定交易資訊回傳到資訊產生裝置140的維持率計算裝置144中。維持率計算裝置144根據指定交易資訊算出試算維持率作為結果，並將試算維持率506提供於自客戶端裝置160顯示。
Next, after the customer presses the
第六圖係說明當客戶經由客戶端裝置於「選項」之資料欄位502選擇輸入「$輸入金額」時的情形。如圖所示，當客戶經由客戶端裝置160輸入指定交易資訊，即於「選項」之資料欄位502選擇輸入「$輸入金額」，表示客戶想補繳所輸入之金額，因此，指定交易資訊即為增加現金，在此時為想增加現金$26,000。接著，客戶經由客戶端裝置160按下試算按鈕504後，客戶端裝置160將此指定交易資訊回傳到資訊產生裝置140的維持率計算裝置144中。維持率計算裝置144根據指定交易資訊算出試算維持率即173.54%作為結果，將試算維持率即173.54%提供於自客戶端裝置160，並顯示於資料欄位506。
The sixth figure illustrates the situation when the customer chooses to input "$ input amount" in the
第七A圖及第七B圖係說明當客戶經由客戶端裝置於「選項」之資料欄位502選擇輸入「請選擇欲加碼部份」時的情形。如第七A圖所示，當客戶於「選項」之資料欄位502選擇輸入「請選擇欲加碼部份」時，表示客戶想增加新股，指定交易資訊即為增加新股。
The seventh figure A and the seventh figure B illustrate the situation when the customer chooses to input "please select the part to be added" in the
在本實施例中，當客戶想增加新股時，如第七B圖所示之增加新股功能700將於客戶端裝置160顯示。增加新股功能700包含顯示增加新股模組710以及增加新股模組720，當客戶於顯示增加新股模組710按下新增按鈕712時，將於客戶端裝置160顯示增加新股模組720，客戶可於增加新股模組720增加新股。當客戶於增加新股模組720按下確定按鈕722後，客戶端裝置160將回到顯示增加新股模組710，顯示其所新增的新股。
In this embodiment, when the customer wants to add new shares, the
在本實施例中，客戶所輸入的指定交易資訊包括融資買進台積電(2330)1張價格為$230以及融劵賣出統一超(2912)1張價格為$315。接著，客戶經由客戶端裝置160按下試算按鈕504後，客戶端裝置160將此指定交易資訊回傳到資訊產生裝置140的維持率計算裝置144中。維持率計算裝置144根據指定交易資訊算出試算維持率即172.95%作為結果，將試算維持率即172.95%提供到客戶端裝置160，並顯示於資料欄位506。
In this embodiment, the specified transaction information input by the customer includes financing to buy TSMC (2330) at $230 and securities lending to sell Uni-President Super (2912) at $315. Next, after the customer presses the
第八A圖及第八B圖係說明當客戶經由客戶端裝置於「選項」之資料欄位502選擇輸入「請選擇欲減碼部份」時的情形。如第八A圖所示，當客戶於「選項」之資料欄位502選擇輸入「請選擇欲減碼部份」時，表示客戶想賣出持股，指定交易資訊即為賣出持股。
The eighth figure A and the eighth figure B illustrate the situation when the customer chooses to input "please select the part to be reduced" in the
在本實施例中，當客戶想賣出持股時，如第八B圖所示之賣出持股功能800將於客戶端裝置160顯示。賣出持股功能800包含個股庫存資訊以及
對應個股之指定交易命令，個股庫存資訊取自客戶的個股信用交易資訊300中的記錄，其包含股票名稱、委託別、庫存股數、成交均價、個股維持率、融資自備款之資料欄位以及所對應的資訊，對應個股之指定交易命令為減碼舊部份、現金償還、現劵償還、股數之資料欄位以及所對應的資訊，客戶可針對每筆記錄分別輸入指定交易命令。
In this embodiment, when the client wants to sell the shares, the
在本實施例中，客戶所輸入的指定交易資訊包括減碼舊部份應華(5392)1張、減碼舊部份佳必琪(6197)1張以及現金償還華邦電(2344)1張。接著，客戶經由客戶端裝置160按下試算按鈕504後，客戶端裝置160將此指定交易資訊回傳到資訊產生裝置140的維持率計算裝置144中。維持率計算裝置144根據指定交易資訊算出試算維持率即168.86%作為結果，將試算維持率即168.86%提供於自客戶端裝置160，並顯示於資料欄位506。
In this embodiment, the specified transaction information input by the customer includes 1 piece of Yinghua (5392) for the old part of the reduced code, 1 piece of Jiabiqi (6197) for the old part of the reduced code, and 1 piece of Huabangdian (2344) repaid in cash open. Next, after the customer presses the
另外，在本發明的其它實施例中，客戶經由客戶端裝置160於「選項」之資料欄位502選擇輸入「$輸入金額」、「請選擇欲加碼部份」或「請選擇欲減碼部份」至少其中之一，即代表客戶可於資料欄位502選擇輸入「$輸入金額」及「請選擇欲加碼部份」、「$輸入金額」及「請選擇欲減碼部份」、「請選擇欲加碼部份」及「請選擇欲減碼部份」或者「$輸入金額」、「請選擇欲加碼部份」及「請選擇欲減碼部份」，客戶於資料欄位502中所輸入之資料都將成為指定交易資訊。
In addition, in other embodiments of the present invention, the customer chooses to input "$ input amount", "please select the part to be added" or "please select the part to be subtracted" in the
在本實施例中，功能選單包括個股維持率試算功能，試算資訊可為對應目標個股之新維持率以及對應目標個股之指定交易資訊。下文將配合第九圖並同時參考第一圖，說明功能選單為個股維持率試算功能且試算資訊為新維持率時，進行試算以產生結果，提供至客戶端裝置160的範例。
In this embodiment, the function menu includes a trial calculation function of the maintenance rate of individual stocks, and the trial calculation information may be the new maintenance rate of the corresponding target stocks and the designated transaction information of the corresponding target stocks. The following will refer to the ninth figure and refer to the first figure to illustrate an example of performing a trial calculation to generate a result when the function menu is a trial calculation function of individual stock maintenance rate and the trial calculation information is a new maintenance rate, and providing the result to the
如第九圖所示，個股維持率試算功能900將顯示於客戶端裝置160，客戶將經由客戶端裝置160於輸入試算資訊。
As shown in FIG. 9 , the
個股維持率試算功能900包括個股選擇功能902，客戶可於個股選擇功能902中選擇個股庫存資訊，個股庫存資訊取自客戶的個股信用交易資訊300中的記錄，包含股票名稱、委託別、市價、庫存股數、個股維持率之資料欄位以及所對應的資訊。具體而言，客戶透過股票名稱之資料欄位904選擇自己關心的個股記錄，選擇完成後，將產生委託別、市價、庫存股數、個股維持率之資料欄位以及所對應的資訊。
Individual stock maintenance ratio
在本實施例中，客戶透過股票名稱之資料欄位904選擇應華(5392)這隻股票對應之記錄，因此，於客戶端裝置160顯示應華(5392)這隻股票於客戶的個股信用交易資訊300中對應記錄的委託別、庫存股數、市價、個股維持率之資料欄位以及所對應的資訊。
In this embodiment, the customer selects the record corresponding to the stock Ying Hua (5392) through the
此外，個股維持率試算功能900包括功能選單912，客戶可選擇於「目標維持率」、「新目標價」或者「補繳現金」所對應之資料欄位輸入資料，試算資訊即為客戶所輸入的資料。在本實施例中，由於應華(5392)這隻股票的維持率過低，客戶想提高維持率，客戶將經由客戶端裝置160於功能選單912選擇「目標維持率」並於資料欄位914輸入，在此，以輸入180%為例，試算資訊將為新維持率180%。
In addition, the
接著，客戶經由客戶端裝置160按下試算按鈕916後，客戶端裝置160將此試算資訊即新維持率180%回傳到資訊產生裝置140的個股資訊產生裝置146中。
Next, after the customer presses the
個股資訊產生裝置146利用此試算資訊即新維持率180%產生建
議資訊918，並將建議資訊918提供於客戶端裝置160顯示，建議資訊918包括至少一檔建議之融資賣出股票或增加現金至少其中之一。在本實施中，建議資訊918包含目標股價、目標維持率以及補繳金額之資料欄位，具體來說，目標股價之資料欄位顯示為55.8元，即代表應華(5392)這隻股票之股價為55.8時，將達成目標維持率180%。另外，補繳金額之資料欄位顯示為11,333，代表客戶若增加現金$11,333元時，也將達成目標維持率180%。
The individual stock
另外，在本發明的其它實施例中，客戶可經由客戶端裝置160於功能選單912選擇「目標維持率」並於資料欄位914輸入其它維持率，試算資訊則為客戶所輸入的資訊。
In addition, in other embodiments of the present invention, the customer can select "target maintenance rate" in the
下文將配合第十圖及第十一圖並同時參考第一圖及第九圖，說明功能選單為個股維持率試算功能且試算資訊為對應目標個股之指定交易資訊時，進行試算以產生結果，提供至客戶端裝置160的兩個範例。
The following will cooperate with Figure 10 and Figure 11 and refer to Figure 1 and Figure 9 at the same time to explain that when the function menu is the trial calculation function of individual stock maintenance rate and the trial calculation information is the specified transaction information corresponding to the target stock, perform trial calculation to generate results. Two examples are provided to
如第十圖所示，個股維持率試算功能900將顯示於客戶端裝置160，客戶將經由客戶端裝置160於輸入試算資訊。在範例中，和第九圖技術相同的部份省略相關之說明。
As shown in FIG. 10 , the
此外，個股維持率試算功能900包括功能選單912，客戶可選擇於「目標維持率」、「新目標價」或者「補繳現金」所對應之資料欄位輸入資料，試算資訊即為客戶所輸入的資料。在本實施例中，由於應華(5392)這隻股票的維持率過低，客戶想若股價上升將有助於提高維持率，客戶將經由客戶端裝置160於功能選單912選擇「新目標價」並於資料欄位1014輸入指定交易資訊，在此，以輸入60為例，試算資訊將為指定交易資訊即目標股價60。
In addition, the
接著，客戶經由客戶端裝置160按下試算按鈕916後，客戶端裝置
160將此指定交易資訊回傳到資訊產生裝置140的個股維持率計算裝置148中。個股維持率計算裝置148中根據所述指定交易資訊算出試算維持率，並將試算維持率提供於客戶端裝置160，並顯示於試算結果1018中。
Then, after the client presses the
在本實施例中，試算維持率將顯示於試算結果1018中目標維持率的資料欄位。此外，輸入之指定交易資訊即新目標價股價60也將顯示於試算結果1018中目標股價的資料欄位，代表應華(5392)這隻股票之股價為60時，將達成目標維持率193.5%。
In this embodiment, the trial calculation maintenance rate will be displayed in the data field of the target maintenance rate in the
另外，在本發明的其它實施例中，客戶可經由客戶端裝置160於功能選單912選擇「新目標價」並於資料欄位1014輸入其它指定交易資訊，試算資訊則為客戶所輸入的指定交易資訊。
In addition, in other embodiments of the present invention, the customer can select "New Target Price" in the
如第十一圖所示，個股維持率試算功能900將顯示於客戶端裝置160，客戶將經由客戶端裝置160於輸入試算資訊。在範例中，和第九圖技術相同的部份省略相關之說明。
As shown in the eleventh figure, the
此外，個股維持率試算功能900包括功能選單912，客戶可選擇於「目標維持率」、「新目標價」或者「補繳現金」所對應之資料欄位輸入資料，試算資訊即為客戶所輸入的資料。在本實施例中，由於應華(5392)這隻股票的維持率過低，客戶想若補繳現金將有助於提高維持率，客戶將經由客戶端裝置160於功能選單912選擇「補繳現金」並於資料欄位1014輸入指定交易資訊，在此，以輸入12,000為例，試算資訊將為指定交易資訊即補繳現金12,000。
In addition, the
接著，客戶經由客戶端裝置160按下試算按鈕916後，客戶端裝置160將此指定交易資訊回傳到資訊產生裝置140的個股維持率計算裝置148中。個股維持率計算裝置148中根據所述指定交易資訊算出試算維持率，並將試算
維持率提供於客戶端裝置160，並顯示於試算結果1118中。
Next, after the customer presses the
在本實施例中，試算維持率將顯示於試算結果1118中目標維持率的資料欄位。此外，輸入之指定交易資訊即補繳現金12,000也將顯示於試算結果1118中補繳現金的資料欄位，代表客戶若補繳現金12,000時，應華(5392)這隻股票將達成目標維持率186.3%。
In this embodiment, the trial calculation maintenance rate will be displayed in the data column of the target maintenance rate in the
另外，在本發明的其它實施例中，客戶可經由客戶端裝置160於功能選單912選擇「補繳現金」並於資料欄位1114輸入其它指定交易資訊，試算資訊則為客戶所輸入的指定交易資訊。
In addition, in other embodiments of the present invention, the customer can select "Supplementary cash payment" in the
另外，本發明實施例之信用維持率試算方法也可利用存儲在非暫時性電腦可讀取媒體中的軟體程式執行，軟體程式可由有運算能力之一般電子裝置執行，換句話說，具有運算能力之一般電子裝置執行將可藉由執行存儲在非暫時性電腦可讀取媒體中的軟體程式所定義之操作，進行本發明實施例之信用維持率試算方法。 In addition, the credit maintenance ratio trial calculation method in the embodiment of the present invention can also be executed by using a software program stored in a non-transitory computer-readable medium. The software program can be executed by a general electronic device with computing power, in other words, it has computing power A general electronic device can execute the operation defined by the software program stored in the non-transitory computer-readable medium to perform the credit maintenance ratio trial calculation method of the embodiment of the present invention.
此外，本發明實施例之信用維持率試算方法也可利用存儲在非暫時性電腦可讀取媒體中的軟體程式執行，該軟體程式執行時，將使客戶端裝置接收關於補繳現金以提高維持率之警示通知後，回傳試算資訊以獲得一結果，其中所述試算資訊為新維持率，所述結果為建議資訊，其中所述試算資訊為增加現金、增加新股或賣出持股至少其中之一，所述結果為試算維持率。 In addition, the method for calculating the credit maintenance ratio in the embodiment of the present invention can also be executed by using a software program stored in a non-transitory computer-readable medium. After the warning notice of the rate, return the trial calculation information to obtain a result, wherein the trial calculation information is the new maintenance rate, and the result is the suggestion information, wherein the trial calculation information is to increase cash, increase new shares or sell at least one of the holdings One, the result is the trial maintenance rate.
綜上所述，本發明提供一種信用維持率試算系統與方法以及電腦可讀取媒體，於符合現行法律規範下，將同時保障金融機構之權益並同時提供金融機構之客戶更快速且更簡易之信用維持率試算方式，一方面可以達成減少金融機構作業成本的目的，另一方面能達成節省金融機構之客戶時間成本的 目的。此外，本發明能於客戶最新的股票資訊所得出的最新維持率小於客戶或者金融機構所定之指定維持率時，即時地傳送警示通知，並即時地建議客戶如何處理其投資之股票，達成保護客戶財產並減少客戶損失的目的。另外，本發明能於客戶最新的股票資訊所得出的最新維持率小於指定維持率時，即時地傳送警示通知，並由客戶選擇如何處理其投資之股票並計算出新的維持率，將達成提供客戶更快速且更簡易之信用維持率試算方式，進而達成保護客戶財產之目的。 To sum up, the present invention provides a credit maintenance ratio trial calculation system and method and computer-readable media, which will simultaneously protect the rights and interests of financial institutions and provide customers of financial institutions with faster and easier The trial calculation method of credit maintenance ratio, on the one hand, can achieve the purpose of reducing the operating cost of financial institutions, and on the other hand, can achieve the goal of saving time and cost of customers of financial institutions Purpose. In addition, the present invention can send a warning notification in real time when the latest maintenance rate obtained by the customer's latest stock information is lower than the specified maintenance rate set by the customer or financial institution, and immediately advise the customer how to deal with the stocks they invest in, so as to protect the customer property and reduce customer losses. In addition, the present invention can send a warning notification in real time when the latest maintenance rate obtained from the latest stock information of the customer is lower than the specified maintenance rate, and the customer can choose how to deal with the stocks he invests in and calculate the new maintenance rate, which will achieve the goal of providing A faster and easier way to calculate the credit maintenance ratio for customers, so as to achieve the purpose of protecting customers' property.
100:信用維持率試算系統 100: Credit Maintenance Ratio Trial Calculation System
110:交易內容存儲裝置 110: transaction content storage device
120:股票資訊收集裝置 120:Stock information collection device
130:警示通知產生裝置 130: warning notification generation device
140:資訊產生裝置 140: Information generating device
142:建議資訊產生裝置 142: Suggested information generating device
144:維持率計算裝置 144: Maintenance rate calculation device
146:個股資訊產生裝置 146: Individual stock information generating device
148:個股維持率計算裝置 148:Individual stock maintenance rate calculation device
150:網路 150: Network
160:客戶端裝置 160: client device
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| TW436720B (en) * | 1998-06-04 | 2001-05-28 | Systex Corp | Method and system for real-time risk control in the dealing of futures |
| TW200517907A (en) * | 2003-07-10 | 2005-06-01 | Finalabo Co Ltd | Management system for open position with indication for loss cut and held stock management system with indication for loss cut |
| TWM540337U (en) * | 2016-12-28 | 2017-04-21 | Jih Sun Securities Co Ltd | Mobile financial management secretary system |
| TWM583982U (en) * | 2019-04-09 | 2019-09-21 | 中國信託綜合證券股份有限公司 | Credit maintenance rate calculation system |
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| TW436720B (en) * | 1998-06-04 | 2001-05-28 | Systex Corp | Method and system for real-time risk control in the dealing of futures |
| TW200517907A (en) * | 2003-07-10 | 2005-06-01 | Finalabo Co Ltd | Management system for open position with indication for loss cut and held stock management system with indication for loss cut |
| TWM540337U (en) * | 2016-12-28 | 2017-04-21 | Jih Sun Securities Co Ltd | Mobile financial management secretary system |
| TWM583982U (en) * | 2019-04-09 | 2019-09-21 | 中國信託綜合證券股份有限公司 | Credit maintenance rate calculation system |
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