1. A method of insuring investment using a server system, comprising: receiving electronically an insurance certificate and an insurance application by the server system, wherein both the insurance certificate and the insurance application are provided by an applicant; implementing a capital bidding mechanism by the server system, wherein the capital bidding mechanism comprises determining a contribution amount of each payment term, a payment interval, and a number of payment terms; receiving a bid price for bidding on a total payment receivable by the server system, wherein the bid price is paid by the applicant and provided to the capital bidding mechanism according to the insurance certificate; calculating, analyzing, and comparing a plurality of bid prices by the server system to select an applicant from applicants participating in the capital bidding mechanism as a bid winner, the bid winner having a highest bid among the applicants participating in the capital bidding mechanism, and performing an investment management process for the bid winner by the server system; depositing the total payment receivable into an investment management account of the bid winner by the server system for performing an investment operation process on the investment management account; and depositing a deposit amount at an exclusive personal account by the server system for each applicant who neither wins the bid nor participates in the capital bidding mechanism; wherein the bid winner is anticipated to make a repayment at each of the remaining payment terms of the capital bidding mechanism; wherein a total payment is determined as follows: 
 An= ( U−ln )×(( N−n )+( U× ( n− 1)) wherein ‘An’ indicates the total payment at the n-th payment term, ‘N’ indicates the number of payment terms, ‘n’ indicates a placed payment term, ‘ln’ indicates an amount of the winning bid from the bid winner at the n-th payment term; and wherein the deposit amount is determined to be equal to (U-ln), and the repayment is determined to be U.