CN107563892B - Analysis method and analysis system of co-construction financing object - Google Patents
Analysis method and analysis system of co-construction financing object Download PDFInfo
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Abstract
The invention discloses an analysis method and an analysis system of a co-construction financing object. The analysis method of the co-construction financing object utilizes an analysis system of the co-construction financing object, and comprises a financing object information completion step, a grading standard design and investigation step, a financing object primary screening confidence analysis step, a matching degree calculation preparation step, a financing object evaluation analysis step and a financing object evaluation analysis confidence analysis step.
Description
Technical Field
The invention relates to the technical field of investment object information analysis, in particular to an analysis method and an analysis system of a co-construction financing object.
Background
In the prior art, the analysis of investment information is usually to analyze small and medium-sized enterprises needing investment or to analyze products and projects of the enterprises, and mainly serves investors, but at present, for most of the small and medium-sized enterprises, especially innovative enterprises, when the products are preliminarily approved and are expected to be generous and splendid, the A round of financing is expected to be introduced, so that the products can smoothly go on the track. However, for how to select a proper co-construction financing object for the entrepreneurship owners, the prior art lacks an effective information support means, and the owners often lack information and possible means for knowing the suppliers seriously, so that the information in the so-called business negotiation is seriously asymmetric, or good co-construction suppliers are missed, or co-construction suppliers which only pay interest and do not pay value are selected, or the co-construction suppliers which really interest in the technical field cannot be contacted. The method is a serious disadvantage in the prior art because entrepreneurial enterprise owners are in serious information blind areas and lack of effective information analysis means for supporting the entrepreneurial enterprise owners to make correct and effective investment choices, and lack of effective information analysis supporting means in the investment choice process.
Disclosure of Invention
The invention aims to solve the problem that information support means for effectively analyzing and selecting co-construction investors is lack in the entrepreneurial enterprises in the prior art, and provides an analysis system for co-construction financing objects. The second purpose is that a technical scheme of utilizing an analysis system of the co-construction financing object to develop an analysis method of the co-construction financing object does not exist in the prior art at present, and the analysis method of the co-construction financing object fills the gap.
An analysis system for co-building financing objects, comprising the following components:
the central computer is responsible for all information processing and computer functions and is provided with a central storage.
A financing object information storage, on which a financing object information database is stored, entries recorded by the financing object information database including, but not limited to, the fund size of the financing object, the self-owned rate of the fund, the requirement for a recovery period, the secondary investment strength, the actual rate at which secondary investment is performed, the required profit margin, the investment history data, the financial data itself, the tolerance level of risk, the tolerance level of the profit margin change in a long period, the total amount of the company assets, the possibility of being cleared or closed over in the next several years, the health level of the financial information, and audit information in the last N years.
The system comprises a scoring standard storage, a scoring standard information database and a scoring grade standard, wherein the scoring standard information database is stored with initial scoring values Bscore of financing objects and specific scoring standards, the scoring standards comprise but are not limited to the size of capital scale, whether investment willingness is strong, risk bearing capacity, length of investment return cycle, bearing capacity for instable degree of profit rate, whether value investors are investors, whether growth investors are investors, the self constitution and stability degree of companies, past investment history and investment willingness for the same type of companies and credit degree of capital transfer, and the scoring grade standard is generated by the scoring standard information database.
And the financing object information primary screening memory is used for storing a financing object information primary screening database, calculating the score of each financing object recorded in the financing object information database according to the starting score Bscore in the score standard database and each specific score standard, grading and storing all financing objects according to the grade standard confidence edition, defining primary screening qualification score lines and forming a primary screening qualified financing object set.
The matching degree calculation memory is stored with an evaluation information database of the financing party and an information database of the products to be invested, wherein the evaluation information database of the financing party records the expected relevant information of all collected financing parties on the products to be invested, and the information database of the products to be invested records the expected information of all collected products to be invested of all the parties and the technical information of the products to be invested.
The co-construction financing object evaluation and analysis memory is stored with a co-construction financing object evaluation and analysis database, takes the expected relevant information of all collected investors to-be-invested products as one party data, takes the collected expected information of all the collected investors to-be-invested products and the technical information of the to-be-invested products as the other party data, forms corresponding N items on the basis of the relevant points of the one party data and the other party data respectively, calculates the matching degree, generates a co-construction financing object evaluation and analysis report on the basis of the calculation result of the matching degree, generates a financing object matching ranking on the basis of initially-screened qualified financing objects, and modifies or does not modify the co-construction financing object evaluation and analysis report on the basis of confidence degree evaluation to generate a co-construction financing object evaluation and analysis report confidence edition.
Further, the analysis system of the co-construction financing object is characterized in that:
the system also comprises N information interaction terminals, wherein the N information interaction terminals are used for evaluating the confidence degree evaluation of the analysis report for the grading grade standard and the co-established financing object, a terminal user forms questionnaire answers containing the confidence degree evaluation for the N secondary decomposition indexes, and the questionnaire answers are subjected to machine screening to obtain at least 500-2000 effective questionnaires.
A method for analyzing a co-established financing object, which utilizes the system for analyzing a co-established financing object as described above, comprising the steps of:
1) and (3) financing object information completion step: before the overall analysis, the information of the financing object is fully complemented, wherein the fully complemented information comprises but is not limited to the fund scale of the financing object, the fund self-rate, the requirement of a recovery period, the secondary investment strength, the actual rate of carrying out secondary investment, the required profit margin, the historical investment data, the financial data per se, the risk tolerance degree, the tolerance degree of the profit margin change in a long period, the total amount of the company assets, the possibility of being cleared or closed over in the next several years, the health degree of the financial information and the auditing information in the last three years.
2) Grading standard design and investigation steps: generating an initial version of the grade standard on the basis of the information in the grade standard information database, giving confidence evaluation information to the initial version of the grade standard on the basis of at least N information interaction terminals, modifying at least M confidence evaluation reports formed according to the confidence evaluation information to obtain a grade standard confidence version, if the total confidence score of the obtained grade standard confidence version is higher than P%, performing the following steps, and if the total confidence score of the obtained grade standard confidence version is still lower than or equal to P%, repeating the steps until the total confidence score of the obtained grade standard version is higher than P%.
3) Initial screening of financing objects: according to the starting scoring value Bscore of the financing object recorded in the scoring standard information database and each specific scoring standard, each scoring standard comprises but is not limited to the size of the capital scale, whether the investment will is strong or not, the risk bearing capacity, the length of the return on investment cycle, the bearing capacity to the unstable degree of the profit rate, whether the investor is worth, whether the investor is lengthened, the constitution and the stability degree of the company, the past investment history and the investment will of the same type of company, and the credit degree of capital transfer; the scoring grade standard is the score corresponding to the concrete condition of each scoring standard, wherein each scoring standard has a score condition of 0, at least a plurality of adding grades and a plurality of subtracting grades, the score of each financing object corresponding to each scoring standard is given according to each scoring standard, and the score of each scoring standard corresponding to each financing object is summed up by taking Bscore as a reference to obtain the scoring value of the financing object.
4) Initial screening confidence analysis of financing objects: taking the L financing objects with the lowest scoring values in the financing object set which forms the primary screening qualification and the L financing objects with the highest scoring values in the financing object set which forms the primary screening qualification, forming a primary screening qualification margin report, giving confidence evaluation information to the primary screening qualification margin report based on at least N information interaction terminals, if the total confidence score of the obtained scoring level standard confidence edition is higher than U%, performing the following steps, if the total confidence score of the obtained scoring level standard confidence edition is still lower than or equal to U%, adjusting the primary screening qualification line, and performing the steps again until the total confidence score of the obtained scoring level standard confidence edition is higher than U%.
5) A matching degree calculation preparation step: and taking all the collected information related to the expectation of the product to be invested by the sponsor as one party data, taking all the collected information related to the product to be invested by all the parties and the technical information of the product to be invested as the other party data, forming corresponding N items on the basis of the relevant points of the one party data and the other party data, and calculating the matching degree, wherein the matching degree is 100% as the upper limit, and the lowest value is 0%.
6) Evaluation and analysis of financing objects: and generating a co-construction financing object evaluation analysis report on the basis of the matching degree calculation results, and generating a financing object matching degree rank on the basis of initially screened qualified financing objects, wherein the matching degree rank is the sum of each matching degree datum of Q corresponding items formed on the basis of the relevant points of each financing object, the maximum value is Q multiplied by 100%, and the minimum value is Q multiplied by 0%.
7) Evaluation analysis confidence analysis step of financing object: on the basis of initially screening qualified financing objects, the N information interaction terminals are utilized to perform confidence coefficient evaluation on the co-constructed financing object evaluation analysis report, when the average confidence coefficient evaluation is higher than W%, a confidence plate of the co-constructed financing object evaluation analysis report is generated, and when the average confidence coefficient evaluation is lower than or equal to W%, the steps are repeated until the average confidence coefficient evaluation is higher than W%; and generating a financing object matching degree ranking confidence edition while generating a co-established financing object evaluation analysis report confidence edition.
Further, the steps 1 to 7 are specifically:
1) and (3) financing object information completion step: before the overall analysis, the information of the financing object is fully complemented, wherein the fully complemented information comprises but is not limited to the fund scale of the financing object, the fund self-rate, the requirement of a recovery period, the secondary investment strength, the actual rate of carrying out secondary investment, the required profit margin, the historical investment data, the financial data per se, the risk tolerance degree, the tolerance degree of the profit margin change in a long period, the total amount of the company assets, the possibility of being cleared or closed over in the next several years, the health degree of the financial information and the auditing information in the last three years.
2) Grading standard design and investigation steps: generating an initial version of the grade standard on the basis of the information in the grade standard information database, giving confidence evaluation information to the initial version of the grade standard on the basis of at least N information interaction terminals, modifying at least M confidence evaluation reports formed according to the confidence evaluation information to obtain a grade standard confidence version, and if the total confidence score of the obtained grade standard confidence version is higher than P%, performing the following steps, if the total confidence score of the obtained grade standard confidence version is still lower than or equal to P%, repeating the steps until the total confidence score of the obtained grade standard version is higher than P%; the specific number of the N units is not less than 100, the number of the M parts is not less than 500 parts, and the numerical value of the P is between 60 and 70.
3) Initial screening of financing objects: according to the starting scoring value Bscore of the financing object recorded in the scoring standard information database and each specific scoring standard, each scoring standard comprises but is not limited to the size of the capital scale, whether the investment will is strong or not, the risk bearing capacity, the length of the return on investment cycle, the bearing capacity to the unstable degree of the profit rate, whether the investor is worth, whether the investor is lengthened, the constitution and the stability degree of the company, the past investment history and the investment will of the same type of company, and the credit degree of capital transfer; the scoring grade standard is the score corresponding to the concrete condition of each scoring standard, wherein each scoring standard has a score condition of 0, at least a plurality of adding grades and a plurality of subtracting grades, the score of each financing object corresponding to each scoring standard is given according to each scoring standard, and the score of each scoring standard corresponding to each financing object is summed up by taking Bscore as a reference to obtain the score of the financing object; if the scoring criteria only relates to a determination of whether positive or negative, a value of +5-10 is assigned in the positive case and a value of-5-10 is assigned in the negative case.
4) Initial screening confidence analysis of financing objects: taking the L financing objects with the lowest scoring values in the financing object set which forms the primary screening qualification and the L financing objects with the highest scoring values in the financing object set which forms the primary screening qualification, forming a primary screening qualification margin report, giving confidence evaluation information to the primary screening qualification margin report based on at least N information interaction terminals, if the total confidence score of the obtained scoring level standard confidence edition is higher than U%, performing the following steps, if the total confidence score of the obtained scoring level standard confidence edition is still lower than or equal to U%, adjusting the primary screening qualification score line, and performing the steps again until the total confidence score of the obtained scoring level standard confidence edition is higher than U%; l is not less than 10, the specific number of the N units is not less than 100, and the value of U is between 70 and 80.
5) A matching degree calculation preparation step: and taking all the collected information related to the expectation of the product to be invested by the sponsor as one party data, taking all the collected information related to the product to be invested by all the parties and the technical information of the product to be invested as the other party data, forming corresponding N items on the basis of the relevant points of the one party data and the other party data, and calculating the matching degree, wherein the matching degree is 100% as the upper limit, and the lowest value is 0%.
6) Evaluation and analysis of financing objects: and generating a co-construction financing object evaluation analysis report on the basis of the matching degree calculation results, and generating a financing object matching degree rank on the basis of initially screened qualified financing objects, wherein the matching degree rank is the sum of each matching degree datum of Q corresponding items formed on the basis of the relevant points of each financing object, the maximum value is Q multiplied by 100%, the minimum value is Q multiplied by 0%, and the sum of the matching degree data can be expressed by percentage or by a numerical value with a decimal number.
7) Evaluation analysis confidence analysis step of financing object: on the basis of initially screening qualified financing objects, the N information interaction terminals are utilized to perform confidence coefficient evaluation on the co-constructed financing object evaluation analysis report, when the average confidence coefficient evaluation is higher than W%, a confidence plate of the co-constructed financing object evaluation analysis report is generated, and when the average confidence coefficient evaluation is lower than or equal to W%, the steps are repeated until the average confidence coefficient evaluation is higher than W%; and generating a financing object matching degree ranking confidence edition while generating a co-construction financing object evaluation analysis report confidence edition, wherein the specific number of the N units is not less than 100, and the numerical value of W is between 75 and 85.
Further, for the scoring standard design and inspection step in step (2), when the confidence evaluation value is lower than or equal to P%, the evaluation that the value of each item in the scoring standard is higher or lower is given at the same time of collecting the confidence score for guiding the re-calculation adjustment. And (4) for the financing object primary screening confidence analysis step, when the confidence evaluation value is lower than or equal to U%, the evaluation that the numerical value of the primary screening qualified score line is higher or lower is given while the confidence score is collected, and the evaluation is used for guiding the calculation and adjustment to be carried out again. And (4) for the financing object evaluation analysis confidence analysis step in the step (7), when the confidence evaluation value is lower than or equal to W%, the evaluation that the value of the co-construction financing object evaluation analysis report is higher or lower is given while the confidence score is collected, and the evaluation is used for guiding the calculation and adjustment to be carried out again.
The method has the advantages that the method can be mainly divided into two points, firstly, on the basis of comprehensively recording and indexing information of the co-constructed financing object, a scoring standard is designed to grade the financing object, so that the financing object with a certain grade and credit degree can be considered under the condition of grading with a certain scoring standard, and the time waste on the financing object with over-low scoring is avoided; secondly, after the financing object meets the basic object, all the collected information related to the expectation of the capital object to-be-invested products is taken as one party data, the matching degree is analyzed on the basis that all the collected information related to the investment object to-be-invested products and the collected technical information of the investment object to-be-invested products are taken as the other party data, the matching degree is the most important factor for whether the benign cooperation can be carried out, if the difference between the financing co-construction party and the capital object which are actually concerned values is larger, the financing co-construction party is not a good partner, the obtained financing object matching degree ranking confidence edition can further assist in screening the financing object according to policy regulations, regional preferences and specific requirements.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a flow chart of a method of analyzing a co-built financing object of the present invention.
Detailed Description
The preferred embodiments of the present invention will be described in detail below with reference to the accompanying drawings so that the advantages and features of the present invention can be more easily understood by those skilled in the art, and the scope of the present invention will be more clearly and clearly defined.
Example 1
An analysis system for co-building financing objects, comprising the following components:
the central computer is responsible for all information processing and computer functions and is provided with a central storage.
A financing object information storage, on which a financing object information database is stored, entries recorded by the financing object information database including, but not limited to, the fund scale of the financing object, the fund's own rate, the requirement for a recovery period, the secondary investment strength, the actual rate at which secondary investment is performed, the required profit margin, the investment history data, the financial data itself, the risk tolerance level, the tolerance level of the profit margin change in a long period, the total amount of the company's assets, the possibility of being cleared or closed over in the next several years, the financial information health level, and audit information in the last N years; the more important information is the specific conditions of the past investment history of the financing object, such as what kind of products are invested in what field, whether the financing is full on time, whether multiple rounds of financing are carried out and the like, and whether the supported products are successful or successful in a certain sense.
A scoring standard memory, on which a scoring standard information database is stored, wherein the scoring standard information database records the initial scoring value Bscore of the financing object and each specific scoring standard, and each scoring standard comprises but is not limited to the size of capital scale, whether the financing will be strong, the risk bearing capacity, the length of return on investment cycle, the bearing capacity for the unstable degree of profit rate, whether the investor is valuable, whether the investor is growth-type, the constitution and stability degree of the company, the past investment history and investment will of the same type of company, and the credit degree of capital transfer, and also records a scoring grade standard, and the scoring grade standard generates an initial edition from the scoring standard information database; the starting score value Bscore may be 0, or may be a natural number greater than 0, such as 20, 50, 100; the positive and negative values of each specific scoring standard are determined according to the property decision effect of the scoring standard on financing objects, and the extreme value interval of the values can be +/-1, +/-2, +/-5, +/-10, +/-20 and the like.
The financing object information primary screening memory is stored with a financing object information primary screening database, the scoring value of each financing object recorded in the financing object information database is calculated according to the starting scoring value Bscore in the scoring standard database and each specific scoring standard, all financing objects are stored in a grading mode according to a scoring level standard confidence plate, primary screening qualification score lines are defined, and a primary screening qualified financing object set is formed; the qualification score line is defined for filtering out low-quality co-construction financing parties with low value, wherein the reasonable definition of the qualification score line is referred to the following method part and mainly focuses on whether financing objects above and below a qualified line are reasonable.
The matching degree calculation memory is stored with an evaluation information database of the financing party and an information database of the products to be invested, wherein the evaluation information database of the financing party records the expected relevant information of all collected financing parties on the products to be invested, and the information database of the products to be invested records the expected information of all collected products to be invested of all the parties and the technical information of the products to be invested.
The co-construction financing object evaluation and analysis memory is stored with a co-construction financing object evaluation and analysis database, takes the expected relevant information of all collected investors to-be-invested products as one party data, takes the collected expected information of all the collected investors to-be-invested products and the technical information of the to-be-invested products as the other party data, forms corresponding N items on the basis of the relevant points of the one party data and the other party data respectively, calculates the matching degree, generates a co-construction financing object evaluation and analysis report on the basis of the calculation result of the matching degree, generates a financing object matching ranking on the basis of initially-screened qualified financing objects, and modifies or does not modify the co-construction financing object evaluation and analysis report on the basis of confidence degree evaluation to generate a co-construction financing object evaluation and analysis report confidence edition. The above-mentioned corresponding N entries include, but are not limited to, expected values of attributes such as return on investment period, return on investment rate, profit growth amplitude, cost additional expenditure amplitude, and capability of resisting market fluctuation of the product to be invested.
The system also comprises N information interaction terminals, wherein the N information interaction terminals are used for evaluating the confidence degree evaluation of the analysis report for the grading grade standard and the co-established financing object, a terminal user forms questionnaire answers containing the confidence degree evaluation for the N secondary decomposition indexes, and the questionnaire answers are subjected to machine screening to obtain at least 500-2000 effective questionnaires.
A method for analyzing a co-established financing object, which utilizes the system for analyzing a co-established financing object as described above, comprising the steps of:
1) and (3) financing object information completion step: before the overall analysis, the information of the financing object is fully complemented, wherein the fully complemented information comprises but is not limited to the fund scale of the financing object, the fund self-rate, the requirement of a recovery period, the secondary investment strength, the actual rate of carrying out secondary investment, the required profit margin, the historical investment data, the financial data per se, the risk tolerance degree, the tolerance degree of the profit margin change in a long period, the total amount of the company assets, the possibility of being cleared or closed over in the next several years, the health degree of the financial information and the auditing information in the last three years.
2) Grading standard design and investigation steps: generating an initial version of the grade standard on the basis of the information in the grade standard information database, giving confidence evaluation information to the initial version of the grade standard on the basis of at least N information interaction terminals, modifying at least M confidence evaluation reports formed according to the confidence evaluation information to obtain a grade standard confidence version, and if the total confidence score of the obtained grade standard confidence version is higher than P%, performing the following steps, if the total confidence score of the obtained grade standard confidence version is still lower than or equal to P%, repeating the steps until the total confidence score of the obtained grade standard version is higher than P%; the specific number of the N units is not less than 100, the number of the M parts is not less than 500 parts, and the numerical value of the P is between 60 and 70; when the confidence evaluation value is lower than or equal to P%, the evaluation that the numerical value of each item in the evaluation grade standard is higher or lower is given while the confidence score is collected, and the evaluation is used for guiding the calculation adjustment to be carried out again.
3) Initial screening of financing objects: according to the starting scoring value Bscore of the financing object recorded in the scoring standard information database and each specific scoring standard, each scoring standard comprises but is not limited to the size of the capital scale, whether the investment will is strong or not, the risk bearing capacity, the length of the return on investment cycle, the bearing capacity to the unstable degree of the profit rate, whether the investor is worth, whether the investor is lengthened, the constitution and the stability degree of the company, the past investment history and the investment will of the same type of company, and the credit degree of capital transfer; the scoring grade standard is the score corresponding to the concrete condition of each scoring standard, wherein each scoring standard has a score condition of 0, at least a plurality of adding grades and a plurality of subtracting grades, the score of each financing object corresponding to each scoring standard is given according to each scoring standard, and the score of each scoring standard corresponding to each financing object is summed up by taking Bscore as a reference to obtain the score of the financing object; if the scoring criteria only relates to a determination of whether positive or negative, a value of +5-10 is assigned in the positive case and a value of-5-10 is assigned in the negative case.
4) Initial screening confidence analysis of financing objects: taking the L financing objects with the lowest scoring values in the financing object set which forms the primary screening qualification and the L financing objects with the highest scoring values in the financing object set which forms the primary screening qualification, forming a primary screening qualification margin report, giving confidence evaluation information to the primary screening qualification margin report based on at least N information interaction terminals, if the total confidence score of the obtained scoring level standard confidence edition is higher than U%, performing the following steps, if the total confidence score of the obtained scoring level standard confidence edition is still lower than or equal to U%, adjusting the primary screening qualification score line, and performing the steps again until the total confidence score of the obtained scoring level standard confidence edition is higher than U%; l is not less than 10, the specific number of the N units is not less than 100, and the value of U is 70-80; and when the confidence evaluation value is lower than or equal to U%, giving the evaluation that the numerical value of the primary screening qualified score line is higher or lower while collecting the confidence score for guiding to calculate and adjust again.
5) A matching degree calculation preparation step: and taking all the collected information related to the expectation of the product to be invested by the sponsor as one party data, taking all the collected information related to the product to be invested by all the parties and the technical information of the product to be invested as the other party data, forming corresponding N items on the basis of the relevant points of the one party data and the other party data, and calculating the matching degree, wherein the matching degree is 100% as the upper limit, and the lowest value is 0%.
6) Evaluation and analysis of financing objects: and generating a co-construction financing object evaluation analysis report on the basis of the matching degree calculation results, and generating a financing object matching degree rank on the basis of initially screened qualified financing objects, wherein the matching degree rank is the sum of each matching degree datum of Q corresponding items formed on the basis of the relevant points of each financing object, the maximum value is Q multiplied by 100%, the minimum value is Q multiplied by 0%, and the sum of the matching degree data can be expressed by percentage or by a numerical value with a decimal number.
7) Evaluation analysis confidence analysis step of financing object: on the basis of initially screening qualified financing objects, the N information interaction terminals are utilized to perform confidence coefficient evaluation on the co-constructed financing object evaluation analysis report, when the average confidence coefficient evaluation is higher than W%, a confidence plate of the co-constructed financing object evaluation analysis report is generated, and when the average confidence coefficient evaluation is lower than or equal to W%, the steps are repeated until the average confidence coefficient evaluation is higher than W%; and generating a financing object matching degree ranking confidence edition while generating a co-construction financing object evaluation analysis report confidence edition, wherein the specific number of the N units is not less than 100, and the numerical value of W is between 75 and 85. And when the confidence evaluation value is lower than or equal to W%, giving the evaluation of higher or lower numerical value of the co-construction financing object evaluation analysis report while collecting the confidence score for guiding the calculation adjustment again.
The above description is only an embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that are not thought of through the inventive work should be included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope defined by the claims.
Claims (3)
1. An analysis method of co-construction financing object, which is implemented by using an analysis system of co-construction financing object, characterized in that:
the analysis system of the co-construction financing object comprises the following components:
a central computer, which is responsible for all information processing and computer functions and is provided with a central memory;
a financing object information storage, on which a financing object information database is stored, entries recorded by the financing object information database including, but not limited to, the fund scale of the financing object, the fund's own rate, the requirement for a recovery period, the secondary investment strength, the actual rate at which secondary investment is performed, the required profit margin, the investment history data, the financial data itself, the risk tolerance level, the tolerance level of the profit margin change in a long period, the total amount of the company's assets, the possibility of being cleared or closed over in the next several years, the financial information health level, and audit information in the last N years;
a scoring standard memory, on which a scoring standard information database is stored, wherein the scoring standard information database records the initial scoring value Bscore of the financing object and each specific scoring standard, and each scoring standard comprises but is not limited to the size of capital scale, whether the financing will be strong, the risk bearing capacity, the length of return on investment cycle, the bearing capacity for the unstable degree of profit rate, whether the investor is valuable, whether the investor is growth-type, the constitution and stability degree of the company, the past investment history and investment will of the same type of company, and the credit degree of capital transfer, and also records a scoring grade standard, and the scoring grade standard generates an initial edition from the scoring standard information database;
the financing object information primary screening memory is stored with a financing object information primary screening database, the scoring value of each financing object recorded in the financing object information database is calculated according to the starting scoring value Bscore in the scoring standard database and each specific scoring standard, all financing objects are stored in a grading mode according to a scoring level standard confidence plate, primary screening qualification score lines are defined, and a primary screening qualified financing object set is formed;
the matching degree calculation memory is stored with an financer evaluation information database and a to-be-invested product information database, wherein the financer evaluation information database records the expected relevant information of all collected financers to-be-invested products, and the to-be-invested product information database records the expected information of all collected products to be-invested by one party and the technical information of the to-be-invested products;
a co-construction financing object evaluation analysis memory, on which a co-construction financing object evaluation analysis database is stored, taking all the collected expected relevant information of the product to be invested by the sponsor as one party data, taking all the collected expected information of the product to be invested by all the parties and the technical information of the product to be invested as the other party data, forming corresponding N items on the one party data and the other party data based on the relevant points, respectively, calculating the matching degree, generating a co-construction financing object evaluation analysis report on the basis of the calculation results of the matching degree, and generating a financing object matching ranking on the basis of the initially screened qualified financing object, wherein the co-construction financing object evaluation analysis report is modified or not modified on the basis of the confidence degree evaluation, and generating a co-construction financing object evaluation analysis report confidence edition;
the analysis system of the co-construction financing object also comprises N information interaction terminals, wherein the N information interaction terminals are used for evaluating the grade standard and the confidence degree of the co-construction financing object evaluation analysis report, and forming questionnaire answers containing the confidence degree evaluation for N secondary decomposition indexes by a terminal user, and the questionnaire answers are screened by a machine to obtain at least 500-2000 effective questionnaires;
the analysis method of the co-construction financing object comprises the following steps:
(1) and (3) financing object information completion step: fully complementing information of the financing object before all analysis, wherein the fully complemented information comprises but is not limited to fund scale of the financing object, fund self-rate, requirement of recovery period, secondary investment strength, actual rate of secondary investment, required profit margin, investment history data, self financial data, risk tolerance degree, tolerance degree of profit margin change in long period, total amount of company assets, possibility of being cleared or closed over in a plurality of years, financial information health degree and audit information in three years;
(2) grading standard design and investigation steps: generating an initial version of the grade standard on the basis of the information in the grade standard information database, giving confidence evaluation information to the initial version of the grade standard on the basis of at least N information interaction terminals, modifying at least M confidence evaluation reports formed according to the confidence evaluation information to obtain a grade standard confidence version, and if the total confidence score of the obtained grade standard confidence version is higher than P%, performing the following steps, if the total confidence score of the obtained grade standard confidence version is still lower than or equal to P%, repeating the steps until the total confidence score of the obtained grade standard version is higher than P%;
(3) initial screening of financing objects: according to the starting scoring value Bscore of the financing object recorded in the scoring standard information database and each specific scoring standard, each scoring standard comprises but is not limited to the size of the capital scale, whether the investment will is strong or not, the risk bearing capacity, the length of the return on investment cycle, the bearing capacity to the unstable degree of the profit rate, whether the investor is worth, whether the investor is lengthened, the constitution and the stability degree of the company, the past investment history and the investment will of the same type of company, and the credit degree of capital transfer; the scoring grade standard is the score corresponding to the concrete condition of each scoring standard, wherein each scoring standard has a score condition of 0, at least a plurality of adding grades and a plurality of subtracting grades, the score of each financing object corresponding to each scoring standard is given according to each scoring standard, and the score of each scoring standard corresponding to each financing object is summed up by taking Bscore as a reference to obtain the score of the financing object;
(4) initial screening confidence analysis of financing objects: taking the L financing objects with the lowest scoring values in the financing object set which forms the primary screening qualification and the L financing objects with the highest scoring values in the financing object set which forms the primary screening qualification, forming a primary screening qualification margin report, giving confidence evaluation information to the primary screening qualification margin report based on at least N information interaction terminals, if the total confidence score of the obtained scoring level standard confidence edition is higher than U%, performing the following steps, if the total confidence score of the obtained scoring level standard confidence edition is still lower than or equal to U%, adjusting the primary screening qualification score line, and performing the steps again until the total confidence score of the obtained scoring level standard confidence edition is higher than U%;
(5) a matching degree calculation preparation step: taking all the collected information related to the expectation of the product to be invested by the sponsor as one party data, taking all the collected information related to the product to be invested by all the parties and the technical information of the product to be invested as the other party data, respectively forming corresponding N items on the basis of the relevant points of the one party data and the other party data, and calculating the matching degree, wherein the matching degree is 100% as the upper limit, and the lowest value is 0%;
(6) evaluation and analysis of financing objects: generating a co-construction financing object evaluation analysis report on the basis of the matching degree calculation results, and generating a financing object matching degree rank on the basis of initially-screened qualified financing objects, wherein the matching degree rank is the sum of each matching degree datum of Q corresponding items formed on the basis of the relevant points of each financing object, the maximum value is Q multiplied by 100%, and the minimum value is Q multiplied by 0%;
(7) evaluation analysis confidence analysis step of financing object: on the basis of initially screening qualified financing objects, the N information interaction terminals are utilized to perform confidence coefficient evaluation on the co-constructed financing object evaluation analysis report, when the average confidence coefficient evaluation is higher than W%, a confidence plate of the co-constructed financing object evaluation analysis report is generated, and when the average confidence coefficient evaluation is lower than or equal to W%, the steps are repeated until the average confidence coefficient evaluation is higher than W%; and generating a financing object matching degree ranking confidence edition while generating a co-established financing object evaluation analysis report confidence edition.
2. The method for analyzing co-construction financing objects as recited in claim 1, wherein the steps (1) - (7) are specifically:
(1) and (3) financing object information completion step: fully complementing information of the financing object before all analysis, wherein the fully complemented information comprises but is not limited to fund scale of the financing object, fund self-rate, requirement of recovery period, secondary investment strength, actual rate of secondary investment, required profit margin, investment history data, self financial data, risk tolerance degree, tolerance degree of profit margin change in long period, total amount of company assets, possibility of being cleared or closed over in a plurality of years, financial information health degree and audit information in three years;
(2) grading standard design and investigation steps: generating an initial version of the grade standard on the basis of the information in the grade standard information database, giving confidence evaluation information to the initial version of the grade standard on the basis of at least N information interaction terminals, modifying at least M confidence evaluation reports formed according to the confidence evaluation information to obtain a grade standard confidence version, and if the total confidence score of the obtained grade standard confidence version is higher than P%, performing the following steps, if the total confidence score of the obtained grade standard confidence version is still lower than or equal to P%, repeating the steps until the total confidence score of the obtained grade standard version is higher than P%; the specific number of the N units is not less than 100, the number of the M parts is not less than 500 parts, and the numerical value of the P is between 60 and 70;
(3) initial screening of financing objects: according to the starting scoring value Bscore of the financing object recorded in the scoring standard information database and each specific scoring standard, each scoring standard comprises but is not limited to the size of the capital scale, whether the investment will is strong or not, the risk bearing capacity, the length of the return on investment cycle, the bearing capacity to the unstable degree of the profit rate, whether the investor is worth, whether the investor is lengthened, the constitution and the stability degree of the company, the past investment history and the investment will of the same type of company, and the credit degree of capital transfer; the scoring grade standard is the score corresponding to the concrete condition of each scoring standard, wherein each scoring standard has a score condition of 0, at least a plurality of adding grades and a plurality of subtracting grades, the score of each financing object corresponding to each scoring standard is given according to each scoring standard, and the score of each scoring standard corresponding to each financing object is summed up by taking Bscore as a reference to obtain the score of the financing object; if the scoring criteria only relates to a determination of whether positive or negative, then a value of +5-10 is assigned in the positive case and a value of-5-10 is assigned in the negative case;
(4) initial screening confidence analysis of financing objects: taking the L financing objects with the lowest scoring values in the financing object set which forms the primary screening qualification and the L financing objects with the highest scoring values in the financing object set which forms the primary screening qualification, forming a primary screening qualification margin report, giving confidence evaluation information to the primary screening qualification margin report based on at least N information interaction terminals, if the total confidence score of the obtained scoring level standard confidence edition is higher than U%, performing the following steps, if the total confidence score of the obtained scoring level standard confidence edition is still lower than or equal to U%, adjusting the primary screening qualification score line, and performing the steps again until the total confidence score of the obtained scoring level standard confidence edition is higher than U%; l is not less than 10, the specific number of the N units is not less than 100, and the value of U is 70-80;
(5) a matching degree calculation preparation step: taking all the collected information related to the expectation of the product to be invested by the sponsor as one party data, taking all the collected information related to the product to be invested by all the parties and the technical information of the product to be invested as the other party data, respectively forming corresponding N items on the basis of the relevant points of the one party data and the other party data, and calculating the matching degree, wherein the matching degree is 100% as the upper limit, and the lowest value is 0%;
(6) evaluation and analysis of financing objects: generating a co-construction financing object evaluation analysis report on the basis of the matching degree calculation results, and generating a financing object matching degree ranking on the basis of initially screened qualified financing objects, wherein the matching degree ranking is the sum of each matching degree data of Q corresponding items formed on the basis of the relevant cut points of each financing object, the maximum value is Q multiplied by 100%, the minimum value is Q multiplied by 0%, and the sum of the matching degree data is expressed by percentage or expressed by a decimal value;
(7) evaluation analysis confidence analysis step of financing object: on the basis of initially screening qualified financing objects, the N information interaction terminals are utilized to perform confidence coefficient evaluation on the co-constructed financing object evaluation analysis report, when the average confidence coefficient evaluation is higher than W%, a confidence plate of the co-constructed financing object evaluation analysis report is generated, and when the average confidence coefficient evaluation is lower than or equal to W%, the steps are repeated until the average confidence coefficient evaluation is higher than W%; and generating a financing object matching degree ranking confidence edition while generating a co-construction financing object evaluation analysis report confidence edition, wherein the specific number of the N units is not less than 100, and the numerical value of W is between 75 and 85.
3. A method of analyzing co-built financing objects as claimed in claim 2, characterized in that:
for the scoring standard design and inspection step in the step (2), when the overall confidence score is lower than or equal to P%, the evaluation that the numerical value of each item in the scoring standard is higher or lower is given while the confidence score is collected, and the evaluation is used for guiding the calculation and adjustment to be carried out again;
for the financing object initial screening confidence analysis step in the step (4), when the total confidence score is lower than or equal to U%, the evaluation that the numerical value of the initial screening qualified score line is higher or lower is given according to the collection of the confidence score, and the evaluation is used for guiding the calculation and adjustment to be carried out again;
and (4) for the financing object evaluation analysis confidence analysis step in the step (7), when the average confidence evaluation is lower than or equal to W%, the evaluation that the numerical value of the co-construction financing object evaluation analysis report is higher or lower is given while the confidence score is collected, and the evaluation is used for guiding the calculation and adjustment to be carried out again.
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| EP2102804A1 (en) * | 2006-10-24 | 2009-09-23 | ATURELIYA, Senake | A system to enable collaborative investment |
| CN103208081A (en) * | 2013-03-01 | 2013-07-17 | 杭州智才广赢信息技术有限公司 | Investment and financing risk assessment method |
| CN104361463A (en) * | 2014-11-21 | 2015-02-18 | 上海财安金融服务股份有限公司 | Small and medium-sized enterprise network financing system and method |
| CN105205719A (en) * | 2014-05-30 | 2015-12-30 | 武汉元宝创意科技有限公司 | Financing method and system based on project relevancy |
| CN105844392A (en) * | 2016-03-21 | 2016-08-10 | 武汉大学 | Method and system for matching technology transaction |
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| EP2102804A1 (en) * | 2006-10-24 | 2009-09-23 | ATURELIYA, Senake | A system to enable collaborative investment |
| CN103208081A (en) * | 2013-03-01 | 2013-07-17 | 杭州智才广赢信息技术有限公司 | Investment and financing risk assessment method |
| CN105205719A (en) * | 2014-05-30 | 2015-12-30 | 武汉元宝创意科技有限公司 | Financing method and system based on project relevancy |
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