CN108550001A - A kind of financial risk dynamic assessment method and device - Google Patents
A kind of financial risk dynamic assessment method and device Download PDFInfo
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Abstract
The invention discloses a kind of method and device of financial risk dynamic evaluation, this method includes：It obtains and is evaluated unit in the first financial data for assessing the period；The first numerical value of the crucial financial ratios of items for being evaluated unit is calculated according to the first financial data；The second financial data for comparing industry in the assessment period is obtained, it is the industry specified by evaluated unit to compare industry；According to the second financial data calculating ratio to the second value of the crucial financial ratios of the items of industry；Using the first numerical value and second value, the compa-ratios score value of each crucial financial ratios of evaluated unit is determined respectively；The compa-ratios assessment result for being evaluated unit is determined according to compa-ratios score value.Compared with the existing technology, the present invention realizes the automatic assessment to the financial risk of enterprise, can not only save the assessment time, and do not have to human intervention, accuracy rate is high.
Description
Technical field
The present invention relates to risk assessment technology fields, more particularly to a kind of financial risk dynamic assessment method and device.
Background technology
As Enterprise Diversification, International Operation become normality, business finance matters are increasingly sophisticated, and risk is gradually increased,
One side enterprise needs are planned sth. ahead to every economic activity such as operation, financing, tissue and transaction and overall arrangement, enterprise
Need not only to know finance but can control risk there are the compound administrative staff of smell of powder to carry out control financial risk, avoid because of finance
Problem threatens the development of enterprise and manages safety；Another aspect enterprise normally tends to good with financial situation when commencing business
Good business tie-up, avoids affiliate that from cannot undertaking financial responsibility because of financial risk.
The assessment of financial risk at this stage needs to be included, collated using a large amount of artificial datas, using prolonged meter
Financial risk is assessed in point counting analysis, and not only process time is long, and human intervention, it is error-prone situations such as happen occasionally.
Invention content
In order to solve the above technical problems, an embodiment of the present invention provides a kind of financial risk dynamic assessment method and device,
Technical solution is as follows：
A kind of financial risk dynamic assessment method, including：
It obtains and is evaluated unit in the first financial data for assessing the period；
The first numerical value of the crucial financial ratios of items of the evaluated unit is calculated according to first financial data；
The second financial data for comparing industry in the assessment period is obtained, the comparison industry is the evaluated unit
Specified industry；
The second value of the every crucial financial ratios for comparing industry is calculated according to second financial data；
Using first numerical value and the second value, each crucial financial ratio of the evaluated unit is determined respectively
The compa-ratios score value of rate；
The compa-ratios assessment result of the evaluated unit is determined according to the compa-ratios score value.
Preferably, using first numerical value and the second value, each pass of the evaluated unit is determined respectively
The compa-ratios score value of key financial ratios, including：
According to preset strategy, using belong in the second value numerical value of each crucial financial ratios, determine it is N number of
Compa-ratios analyze interval, and each section corresponds to a score value, and N is positive integer；
Determine the section belonging to the numerical value of each crucial financial ratios of the evaluated unit；
Using the corresponding score value in the affiliated section as the compa-ratios score value.
Preferably, the compa-ratios assessment result includes：
Comments corresponding with the compa-ratios score value and reference evaluation；
Correspondingly, the method further includes：
It generates and sends the report of compa-ratios financial risk to user, the compa-ratios financial risk report includes described
Belong to mean value, the institute of the numerical value of each crucial financial ratios in the numerical value of each crucial financial ratios, the second value
State compa-ratios score value, the comments and the reference evaluation.
Preferably, further include：
For each described crucial financial ratios, obtain the evaluated unit the first assessment period third value and
In the 4th numerical value of the second assessment period, the first assessment period is often identical as the second assessment period；
According to the third value and the 4th numerical value, trend ratio corresponding with each described key financial ratios is determined
Rate；
According to the trend ratio, trend score value corresponding with each described key financial ratios is determined；
The ratio trend evaluation conclusion of the evaluated unit is determined according to the trend score value.
Preferably, according to the trend ratio, trend score value corresponding with each described key financial ratios, packet are determined
It includes：
N number of trend ratio section is pre-set, N is positive integer；
Determine the trend ratio section belonging to the trend ratio；
Using score value corresponding with the affiliated trend ratio section as the trend score value.
Preferably, the ratio trend evaluation conclusion, including：
Comments corresponding with the trend score value and reference evaluation；
Correspondingly, the method further includes：
It generates and sends the report of ratio trend financial risk to user, the ratio trend financial risk report includes described
Third value, the 4th numerical value, the trend score value, the comments and the reference evaluation.
Preferably, further include：
The financial data of sample companies is obtained in advance；
Correspondingly, the second financial data for comparing industry in the assessment period is obtained, including：
Using in the sample companies, belong to industry specified by the evaluated unit enterprise financial data as institute
State the second financial data.
A kind of financial risk dynamic evaluation device, including：
First acquisition unit, for obtaining evaluated unit in the first financial data for assessing the period；
First computing unit, the crucial finance of items for calculating the evaluated unit according to first financial data
First numerical value of ratio；
Second acquisition unit, for obtaining the second financial data for comparing industry in the assessment period, the comparison row
Industry is the industry specified by the evaluated unit；
Second computing unit, for calculating the every crucial wealth for comparing industry according to second financial data
The second value for ratio of being engaged in；
First determination unit determines the evaluated list respectively for utilizing first numerical value and the second value
The compa-ratios score value of the crucial financial ratios of each of position；
Second determination unit, for determining that the compa-ratios of the evaluated unit are commented according to the compa-ratios score value
Estimate conclusion.
Preferably, first determination unit, including：
Third determination unit, for according to preset strategy, using belonging to each described crucial finance in the second value
The numerical value of ratio determines that N number of compa-ratios analysis interval, each section correspond to a score value, and N is positive integer；
4th determination unit, for determine the evaluated unit each crucial financial ratios numerical value belonging to
Section；
5th determination unit, for using the corresponding score value in the affiliated section as the compa-ratios score value.
Preferably, further include：
Third acquiring unit, for for each described crucial financial ratios, obtaining the evaluated unit and being commented first
Estimate the third value of period and the 4th numerical value in the second assessment period, the first assessment period assesses the period with described second
It is often identical；
6th determination unit, for according to the third value and the 4th numerical value, determining and each described crucial wealth
The corresponding trend ratio of ratio of being engaged in；
7th determination unit, for according to the trend ratio, determine it is corresponding with each described key financial ratios become
Gesture score value；
8th determination unit, the ratio trend evaluation knot for determining the evaluated unit according to the trend score value
By.
Technical solution provided in an embodiment of the present invention is evaluated the first financial data of unit by acquisition, compares industry
The second financial data, and the first numerical value of the crucial financial ratios of items for being evaluated unit is calculated according to the first financial data,
According to the second financial data calculating ratio to the second value of the crucial financial ratios of items of industry, to utilize the first numerical value and the
Two numerical value determine the compa-ratios score value of each crucial financial ratios, and are finally determined and be evaluated according to compa-ratios score value
The compa-ratios assessment result of unit.Compared with the existing technology, the present invention realizes the automatic assessment to the financial risk of enterprise,
The assessment time can not only be saved, and does not have to human intervention, accuracy rate is high.
Description of the drawings
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention without having to pay creative labor, may be used also for those of ordinary skill in the art
With obtain other attached drawings according to these attached drawings.
A kind of flow diagram for the financial risk dynamic assessment method that Fig. 1 is provided by the embodiment of the present invention；
Another flow diagram for the financial risk dynamic assessment method that Fig. 2 is provided by the embodiment of the present invention；
Another flow diagram for the financial risk dynamic assessment method that Fig. 3 is provided by the embodiment of the present invention；
A kind of structural schematic diagram for the financial risk dynamic evaluation device that Fig. 4 is provided by the embodiment of the present invention.
Specific implementation mode
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation describes, it is clear that described embodiment is only a part of the embodiment of the present invention, instead of all the embodiments.Based on this
Embodiment in invention, every other reality obtained by those of ordinary skill in the art without making creative efforts
Example is applied, shall fall within the protection scope of the present invention.
Referring to Fig. 1, Fig. 1 is a kind of a kind of realization stream of financial risk dynamic assessment method provided in an embodiment of the present invention
Cheng Tu, this method include：
Step S101, it obtains and is evaluated unit in the first financial data for assessing the period.
Evaluated unit is the enterprise for needing to carry out Estimation of Financial Risk of Health, and the first financial data includes：Balance sheet, profit
Moisten table, cash flow statement and financial statement supplementary table.
The assessment period is divided into, the first quarter (quarterly report), half a year (middle report), the third quater (three quarterly reports) and whole year (annual report).Its
In, there are more phase financial statements in the assessment period, quotes day posterior report replacement and quotes day preceding report.
Step S102, the first numerical value of the crucial financial ratios of items for being evaluated unit is calculated according to the first financial data.
Shown in crucial financial ratios, definition and calculation formula such as following table (one) involved in the present embodiment：
Wherein：
Operation ability (OC) includes stock turnover rate (ITR), the turnover of total assets (TATR), accounts receivable turnover
(ARTR), turnover rate of fixed assets (FATR), the velocity of liquid assets (CATR), turnover of payable (APR), working capital
Turnover rate (WCTR) and free cash flow (FCF)；
Profitability (EP) includes Return on Total Assets (ROTA), net assets income ratio (ROE), income from main operation rate
(ROPB), money-income ratio (MIR), gross operating spread rate (OPMR), net operating profit rate (NPOR), net profit cash ratio (NPC
) and cost net profit margin (NPC Ratio) Rate；
Debt paying ability includes asset-liability ratio (DAR), liquidity ratio (CR), current rate (QR), cash flow debt ratio
Rate (CCLR), equity ratio (DER), equity multiplier (EM), interest cover ratio (IPM), cash flow ratio (CFR) and cash
Flow debt ratio (OCF)；
Developing ability (DC) includes net profit growth rate (NPGR), main business income growth rate (MBIRI), total assets increasing
Long rate (TAGR) and net assets growth rate (NAGR).
It is one group of numerical value based on the first numerical value known to crucial financial ratios shown in table (one), in this group of numerical value, except battalion
Capacity power (OC), profitability (EP), debt paying ability include other passes except asset-liability ratio (DAR) and developing ability (DC)
The numerical value of key financial ratios is is calculated according to the first financial data, and operation ability (OC), profitability (EP), payment of debts energy
Power includes asset-liability ratio (DAR) and developing ability (DC) is calculated by its included crucial financial ratios.
Step S103, it obtains and compares industry in the second financial data for assessing the period.
It is the industry specified by evaluated unit to compare industry.In practical application, the comparison industry and evaluated unit institute
Industry can be same industry, or similar industries, the present embodiment are not specifically limited.If can not find and be commented
Estimate the comparison industry that unit belongs to same industry, can be replaced with approximate industry.
Industry and the second financial data of acquisition are compared in order to quickly determine, the present embodiment can be in advance from " ND10000 " wealth
Business database obtains the financial data of sample companies, wherein sample companies refer to " ND10000 " the financial data Committee of Experts
10000 or so local and overseas listing (listed) enterprises according to the authorization of " ND10000 " financial data management rule.
Correspondingly, obtain compare industry assess the period the second financial data when, by sample companies, belong to and commented
The financial data of the enterprise of the industry specified by unit is estimated as the second financial data.
Step S104, according to the second financial data calculating ratio to the second value of the crucial financial ratios of the items of industry.
The process that second value is calculated according to the second financial data can be found in table (one), not repeat herein.
Step S105, using the first numerical value and second value, each crucial financial ratios of evaluated unit are determined respectively
Compa-ratios score value.
Compa-ratios analyze (comparative ratio analysis) method, are used for each of evaluated unit is crucial
Financial ratios carry out cross-sectional analysis with corresponding each crucial financial ratios for comparing industry, to obtain each crucial finance
The compa-ratios score value of ratio.
Step S106, the compa-ratios assessment result for being evaluated unit is determined according to compa-ratios score value.
In the present embodiment, compa-ratios assessment result is arranged to each compa-ratios score value in advance, so that when true
After the compa-ratios score value of each crucial financial ratios of surely evaluated unit, it can be determined according to the compa-ratios score value
Compa-ratios assessment result.
Comparative assessment conclusion may include comments corresponding with compa-ratios score value and reference evaluation.
Correspondingly, the present embodiment can also include：
It generates and sends the report of compa-ratios financial risk to user, the report of compa-ratios financial risk includes each key
Belong to the mean value of the numerical value of each crucial financial ratios, compa-ratios score value, assessment in the numerical value of financial ratios, second value
Opinion and the reference evaluation.
As shown in table (two), table (two) is the compa-ratios financial risk report that the present embodiment generates：
Table (two)
Technical solution provided in an embodiment of the present invention is evaluated the first financial data of unit by acquisition, compares industry
The second financial data, and the first numerical value of the crucial financial ratios of items for being evaluated unit is calculated according to the first financial data,
According to the second financial data calculating ratio to the second value of the crucial financial ratios of items of industry, to utilize the first numerical value and the
Two numerical value determine the compa-ratios score value of each crucial financial ratios, and are finally determined and be evaluated according to compa-ratios score value
The compa-ratios assessment result of unit.Compared with the existing technology, the present invention realizes the automatic assessment to the financial risk of enterprise,
The assessment time can not only be saved, and does not have to human intervention, accuracy rate is high.
Based on a upper embodiment, the present invention provides a kind of another implementation processes of financial risk dynamic assessment method
Figure, wherein as shown in Fig. 2, step S105, may include：
Step S201, according to preset strategy, using belonging to the numerical value of each crucial financial ratios in second value, determine N
A compa-ratios analyze interval, and each section corresponds to a score value, and N is positive integer.
It is below 7 realizations for illustrating step S201 with N for each crucial financial ratios：
Determining 7 compa-ratios analysis interval can be (+∞, optimal value], (optimal value, the secondary figure of merit], (suboptimum
Value, compared with the figure of merit], (compared with the figure of merit, more bad value], (more bad value, secondary bad value], (secondary bad value, most bad value] and (most bad value ,-∞)；
Wherein, optimal value be compare in industry, the mean value of the crucial financial ratios in first three or first five enterprise,
Most bad value to compare in industry, the mean value in latter five or the crucial financial ratios of rear three enterprises, and it is the secondary figure of merit, more excellent
Value, more bad value, secondary bad value be respectively it is by optimal value and most inferior between data divide equally after four values.
Step S202, the section belonging to the numerical value of each crucial financial ratios of evaluated unit is determined.
Step S203, using the corresponding score value in affiliated section as compa-ratios score value.
Based on the first two embodiment, the present invention provides a kind of realization stream that risk assessment is carried out using ratio trend analysis method
Cheng Tu, as shown in figure 3, including：
Step S301, it for each crucial financial ratios, obtains and is evaluated the third value that unit assesses the period first
With the 4th numerical value in the second assessment period.
First assessment period is often identical as the second assessment period.
Third value is numerical value of the same crucial financial ratios in the different assessment periods from the 4th numerical value.
Step S302, according to third value and the 4th numerical value, trend ratio corresponding with each key financial ratios is determined.
Trend ratio defined in the present embodiment=current period ratio/last issue ratio, therefore when third value is current period ratio, the
When four numerical value are last ratio, the numerical value of trend ratio=third value/the 4th, when third value is last ratio, the 4th numerical value
For current period ratio when, trend ratio=four numerical value/third value.
Step S303, according to trend ratio, trend score value corresponding with each key financial ratios is determined.
Preferably, step S303 can be realized when realizing by trend ratio section, specifically：
N number of trend ratio section is pre-set, N is positive integer；
Trend ratio section belonging to determination trend ratio；
Using score value corresponding with affiliated trend ratio section as trend score value.
It is below 7 realizations for illustrating book trend ratio section with N：
" 130% ", " 120% ", " 110% ", " 90% ", " 80% ", " 70% " six numerical value are rule of thumb pre-set,
Interval be divided into " being substantially increased ", " middle width rising ", " slightly rise ", " basicly stable ", " slightly declining ", " under middle width
Drop ", seven sections of " declining to a great extent " are evaluated, and section is as follows：
It is substantially increased：(+∞, 130%]；
Middle width rises：(130%, 120%]；
Slightly rise：(120%, 110%]；
It is basicly stable：(110%, 90%]；
Slightly decline：(90%, 80%]；
Middle width declines：(80%, 70%]；
It declines to a great extent：(70% ,-∞).
Step S304, the ratio trend evaluation conclusion for being evaluated unit is determined according to trend score value.
Ratio trend evaluation conclusion includes comments corresponding with trend score value and reference evaluation.
Correspondingly, the present embodiment can also include：
It generates and sends the report of ratio trend financial risk to user, the report of ratio trend financial risk includes third number
Value, the 4th numerical value, trend score value, comments and the reference evaluation.
As shown in table (three), table (three) is the ratio trend financial risk report that the present embodiment generates：
The ratio trend financial risk of the report of compa-ratios financial risk and table (three) based on table (two) is reported, of the invention
It can also determine the risk class of evaluated unit, wherein the correspondence for pre-setting score value and risk class, in table
(2) after the compa-ratios score value for obtaining each crucial financial ratios in, it is summed up, to obtain each crucial financial ratio
The total compa-ratios score value of rate determines total comparison ratio according to the correspondence of pre-set score value and risk class
Risk class corresponding to rate score value.Similarly reason is suitable for the ratio trend financial risk report of table (three).
Table (four) and table (five) each provide financial risk grade (ratio trend analysis) grade meaning and explanation, finance
Risk class (ratio trend analysis) grade meaning and explanation, it is specific as follows shown：
Financial risk grade (ratio trend analysis) grade meaning and explanation
Financial risk grade (ratio trend analysis) grade meaning and explanation
Technical solution provided in an embodiment of the present invention, obtain be evaluated unit first assessment the period third value and
The 4th numerical value of second assessment period, and according to third value and the 4th numerical value determination trend ratio, determined according to trend ratio
Trend score value, to determine the ratio trend evaluation conclusion for being evaluated unit according to trend score value.As it can be seen that the present embodiment is real
The comparison to being evaluated unit in the financial risk of different assessment periods is showed.
Referring to Fig. 4, Fig. 4 is a kind of structural schematic diagram of risk assessment device provided in an embodiment of the present invention, the structure
The course of work of each module in schematic diagram referring to Fig.1 in corresponding embodiment method implementation procedure, which includes：
First acquisition unit 410, for obtaining evaluated unit in the first financial data for assessing the period.
First computing unit 420, for calculating the crucial financial ratios of items for being evaluated unit according to the first financial data
The first numerical value.
Second acquisition unit 430, for obtaining the second financial data for comparing industry in the assessment period, comparison industry is quilt
Assess the industry specified by unit.
Second computing unit 440 is used for according to the second financial data calculating ratio to the crucial financial ratios of the items of industry
Second value.
First determination unit 450 determines each pass of evaluated unit respectively for utilizing the first numerical value and second value
The compa-ratios score value of key financial ratios.
Second determination unit 460, for determining the compa-ratios assessment knot for being evaluated unit according to compa-ratios score value
By.
Preferably, the first determination unit, including：
Third determination unit, for according to preset strategy, utilize and belong to the number of each crucial financial ratios in second value
It is worth, determines that N number of compa-ratios analysis interval, each section correspond to a score value, N is positive integer；
4th determination unit, for determining the section belonging to the numerical value for each the crucial financial ratios for being evaluated unit；
5th determination unit, for using the corresponding score value in affiliated section as compa-ratios score value.
Preferably, further include：
Third acquiring unit, for for each crucial financial ratios, obtaining and being evaluated unit in the first assessment period
Third value and the 4th numerical value for assessing the period second, the first assessment period are often identical as the second assessment period；
6th determination unit, it is corresponding with each crucial financial ratios for according to third value and the 4th numerical value, determining
Trend ratio；
7th determination unit, for according to trend ratio, determining trend score value corresponding with each key financial ratios；
8th determination unit, for determining the ratio trend evaluation conclusion for being evaluated unit according to trend score value.
Technical solution provided in an embodiment of the present invention is evaluated the first financial data of unit by acquisition, compares industry
The second financial data, and the first numerical value of the crucial financial ratios of items for being evaluated unit is calculated according to the first financial data,
According to the second financial data calculating ratio to the second value of the crucial financial ratios of items of industry, to utilize the first numerical value and the
Two numerical value determine the compa-ratios score value of each crucial financial ratios, and are finally determined and be evaluated according to compa-ratios score value
The compa-ratios assessment result of unit.Compared with the existing technology, the present invention realizes the automatic assessment to the financial risk of enterprise,
The assessment time can not only be saved, and does not have to human intervention, accuracy rate is high.
Term " first ", " second ", " third " " in description and claims of this specification and above-mentioned attached drawing
The (if present)s such as four " are for distinguishing similar object, without being used to describe specific sequence or precedence.It should manage
The data that solution uses in this way can be interchanged in the appropriate case, so that the embodiment of the present invention described herein for example can be to remove
Sequence other than those of illustrating or describe herein is implemented.In addition, term " comprising " and " having " and theirs is any
Deformation, it is intended that cover it is non-exclusive include, for example, containing the process of series of steps or unit, method, system, production
Product or equipment those of are not necessarily limited to clearly to list step or unit, but may include not listing clearly or for this
The intrinsic other steps of processes, method, product or equipment or unit a bit.
For device or system embodiment, since it essentially corresponds to embodiment of the method, so related place referring to
The part of embodiment of the method illustrates.Device or system embodiment described above is only schematical, wherein described
The unit illustrated as separating component may or may not be physically separated, and the component shown as unit can be with
It is or may not be physical unit, you can be located at a place, or may be distributed over multiple network units.It can
It is achieved the purpose of the solution of this embodiment with selecting according to the actual needs some or all of module therein.This field is common
Technical staff is without creative efforts, you can to understand and implement.
In several embodiments provided by the present invention, it should be understood that disclosed system, device and method are not having
It has more than in the spirit and scope of the present invention, can realize in other way.Current embodiment is a kind of demonstration
Example, should not be taken as limiting, given particular content should in no way limit the purpose of the present invention.For example, the unit or
The division of subelement, only a kind of division of logic function, formula that in actual implementation, there may be another division manner, such as multiple lists
First or multiple subelements combine.In addition, multiple units can with or component may be combined or can be integrated into another and be
System, or some features can be ignored or not executed.
In addition, the schematic diagram of described system, device and method and different embodiments, without departing from the scope of the present invention
It is interior, it can be combined with other systems, module, techniques or methods or integrated.Another point, shown or discussed mutual coupling
It closes or direct-coupling or communication connection can be INDIRECT COUPLING or communication connections by some interfaces, device or unit, it can be with
It is electrical, mechanical or other forms.
The above is only the specific implementation mode of the present invention, it is noted that for the ordinary skill people of the art
For member, various improvements and modifications may be made without departing from the principle of the present invention, these improvements and modifications are also answered
It is considered as protection scope of the present invention.
Claims (10)
1. a kind of financial risk dynamic assessment method, which is characterized in that including：
It obtains and is evaluated unit in the first financial data for assessing the period；
The first numerical value of the crucial financial ratios of items of the evaluated unit is calculated according to first financial data；
The second financial data for comparing industry in the assessment period is obtained, the comparison industry is that the evaluated unit is signified
Fixed industry；
The second value of the every crucial financial ratios for comparing industry is calculated according to second financial data；
Using first numerical value and the second value, each crucial financial ratios of the evaluated unit are determined respectively
Compa-ratios score value；
The compa-ratios assessment result of the evaluated unit is determined according to the compa-ratios score value.
2. according to the method described in claim 1, it is characterized in that, using first numerical value and the second value, respectively
Determine the compa-ratios score value of each crucial financial ratios of the evaluated unit, including：
According to preset strategy, using belonging to the numerical value of each crucial financial ratios in the second value, determine N number of comparison
Ratio analysis interval, each section correspond to a score value, and N is positive integer；
Determine the section belonging to the numerical value of each crucial financial ratios of the evaluated unit；
Using the corresponding score value in the affiliated section as the compa-ratios score value.
3. method according to claim 1 or 2, which is characterized in that the compa-ratios assessment result includes：
Comments corresponding with the compa-ratios score value and reference evaluation；
Correspondingly, the method further includes：
Generate and simultaneously send the report of compa-ratios financial risk to user, compa-ratios financial risk report include it is described each
Belong to the mean value of the numerical value of each crucial financial ratios, the ratio in the numerical value of crucial financial ratios, the second value
Compared with ratio score value, the comments and the reference evaluation.
4. method according to claim 1 or 2, which is characterized in that further include：
For each described crucial financial ratios, the evaluated unit is obtained in the third value of the first assessment period and the
The 4th numerical value of two assessment periods, the first assessment period are often identical as the second assessment period；
According to the third value and the 4th numerical value, trend ratio corresponding with each described key financial ratios is determined；
According to the trend ratio, trend score value corresponding with each described key financial ratios is determined；
The ratio trend evaluation conclusion of the evaluated unit is determined according to the trend score value.
5. according to the method described in claim 4, it is characterized in that, according to the trend ratio, determine and each described key
The corresponding trend score value of financial ratios, including：
N number of trend ratio section is pre-set, N is positive integer；
Determine the trend ratio section belonging to the trend ratio；
Using score value corresponding with the affiliated trend ratio section as the trend score value.
6. method according to claim 4 or 5, which is characterized in that the ratio trend evaluation conclusion, including：
Comments corresponding with the trend score value and reference evaluation；
Correspondingly, the method further includes：
It generates and sends the report of ratio trend financial risk to user, the ratio trend financial risk report includes the third
Numerical value, the 4th numerical value, the trend score value, the comments and the reference evaluation.
7. according to the method described in claim 1, it is characterized in that, further including：
The financial data of sample companies is obtained in advance；
Correspondingly, the second financial data for comparing industry in the assessment period is obtained, including：
Using in the sample companies, belong to industry specified by the evaluated unit enterprise financial data as described
Two financial datas.
8. a kind of financial risk dynamic evaluation device, which is characterized in that including：
First acquisition unit, for obtaining evaluated unit in the first financial data for assessing the period；
First computing unit, the crucial financial ratios of items for calculating the evaluated unit according to first financial data
The first numerical value；
Second acquisition unit, for obtaining the second financial data for comparing industry in the assessment period, the comparison industry is
Industry specified by the evaluated unit；
Second computing unit, for calculating the every crucial financial ratio for comparing industry according to second financial data
The second value of rate；
First determination unit determines the evaluated unit respectively for utilizing first numerical value and the second value
The compa-ratios score value of each crucial financial ratios；
Second determination unit, for determining that the compa-ratios of the evaluated unit assess knot according to the compa-ratios score value
By.
9. the apparatus according to claim 1, which is characterized in that first determination unit, including：
Third determination unit, for according to preset strategy, using belonging to each described crucial financial ratios in the second value
Numerical value, determine that N number of compa-ratios analysis interval, each section correspond to a score value, N is positive integer；
4th determination unit, for determine the evaluated unit each crucial financial ratios numerical value belonging to area
Between；
5th determination unit, for using the corresponding score value in the affiliated section as the compa-ratios score value.
10. device according to claim 8 or claim 9, which is characterized in that further include：
Third acquiring unit, for for each described crucial financial ratios, obtaining the evaluated unit when first assesses
Section third value and second assessment the period the 4th numerical value, it is described first assessment the period with it is described second assess the period when
Chang Xiangtong；
6th determination unit, for according to the third value and the 4th numerical value, determining and each described crucial financial ratio
The corresponding trend ratio of rate；
7th determination unit, for according to the trend ratio, determining that trend corresponding with each described key financial ratios is commented
Score value；
8th determination unit, the ratio trend evaluation conclusion for determining the evaluated unit according to the trend score value.
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| CN201810777417.7A CN108550001A (en) | 2018-07-16 | 2018-07-16 | A kind of financial risk dynamic assessment method and device |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109214904A (en) * | 2018-10-11 | 2019-01-15 | 平安科技（深圳）有限公司 | Acquisition methods, device, computer equipment and the storage medium of financial fraud clue |
| CN109784779A (en) * | 2019-03-04 | 2019-05-21 | 广州杰赛科技股份有限公司 | Financial risk prediction technique, device and storage medium |
| CN111798297A (en) * | 2020-06-19 | 2020-10-20 | 中国经济信息社有限公司 | Financial risk early warning analysis method and device |
-
2018
- 2018-07-16 CN CN201810777417.7A patent/CN108550001A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109214904A (en) * | 2018-10-11 | 2019-01-15 | 平安科技（深圳）有限公司 | Acquisition methods, device, computer equipment and the storage medium of financial fraud clue |
| CN109784779A (en) * | 2019-03-04 | 2019-05-21 | 广州杰赛科技股份有限公司 | Financial risk prediction technique, device and storage medium |
| CN109784779B (en) * | 2019-03-04 | 2021-06-18 | 广州杰赛科技股份有限公司 | Financial risk prediction method, device and storage medium |
| CN111798297A (en) * | 2020-06-19 | 2020-10-20 | 中国经济信息社有限公司 | Financial risk early warning analysis method and device |
| CN111798297B (en) * | 2020-06-19 | 2023-12-19 | 中国经济信息社有限公司 | Financial risk early warning analysis method and device |
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