KR101550973B1 - Company consulting information providing method - Google Patents

Abstract

The present invention includes a step of a financial server collecting financial information of a company, a step of a financial server analyzing financial information to generate consulting information on an enterprise based on financial information, and a step of a financial server providing consulting information .

Description

{COMPANY CONSULTING INFORMATION PROVIDING METHOD}

The present invention relates to a method of providing an enterprise consulting information, and more particularly, to a method of providing an enterprise consulting information by analyzing a company's financial information and identifying detailed causes of the financial situation and providing consulting information based thereon.

With the advent of the global economic era, there are numerous situations affecting the operation of institutions and corporations. Organizations and corporations that fall into financial crisis or bankruptcy due to domestic and foreign variables such as financial crisis, real estate contraction, .

Accordingly, it is imperative that financial plans be established or checked against future variables or risks that may arise in the operation of the organization or the enterprise. Therefore, public institutions and private companies are conducting irregular financial analysis of companies and projects to actively cope with changes in business environment and business conditions, such as expansion of new business areas.

However, the conventional financial analysis is limited to the accounting ratios analysis, which simply analyzes the financial statements and derives the analysis results, and is insufficient to provide meaningful business analysis information based on the overall financial situation of the enterprise.

Background Art [0002] The present invention relates to a method of classifying evidence, a method of analyzing a financial situation using the same, and a computer readable recording medium storing a program implementing the method, in Korean Patent Publication No. 10-2012-0076472 (July 07, 2012) Lt; / RTI >

SUMMARY OF THE INVENTION The present invention has been made in order to overcome the above problems, and an object of the present invention is to utilize financial information of an individual company and enterprise information data of the same industry to analyze a company's financial information, And provides consulting information based on the extracted information, thereby providing an enterprise consulting information providing method for inducing deepening consulting for the enterprise.

Another object of the present invention is to perform financial analysis with a minimum amount of information input and to use the company data in the same industry to which the analyst company belongs rather than a simple accounting ratio analysis to determine the market status, And to provide a method of providing corporate consulting information that can improve the understanding of the entire company by identifying the current position of the analysis company in the industry.

Another object of the present invention is to find out the issues of the company using the financial statements and to derive the merits and improvement areas of the detailed causes that affect the analysis results of the financial statements, And provides a method for providing enterprise consulting information for providing information.

Another object of the present invention is to provide a method of providing corporate consulting information that automatically generates various information including analysis results of a company's financial statements, such as graphs, letters, images, etc., .

It is still another object of the present invention to provide an enterprise consulting information providing method which supports the growth of a company and provides a high quality financial service to a company by automatically discovering and providing fields requiring deepening consulting, .

According to an aspect of the present invention, there is provided a method for providing enterprise consulting information, comprising: collecting financial information of a corporation by a financial server; Analyzing the financial information by the financial server to generate consulting information on the company based on the financial information; And the financial server providing the consulting information.

In the present invention, the financial information includes the company's financial statements and the company information on the performance of the business activities of the company.

In the present invention, the consulting information may include at least one of corporate diagnostic information for the enterprise, financial diagnostic information for analyzing the financial information for each diagnostic section, and financial diagnosis result information of the company based on the financial diagnostic information .

In the present invention, the enterprise diagnostic information may include at least one of the current status of the enterprise in the same kind of industry and the business performance information of the enterprise.

In the present invention, the financial diagnostic information is generated for each predetermined diagnosis section, and includes detailed cause analysis information for analyzing the detailed cause of each of the categories.

In the present invention, the diagnosis section is characterized by including at least one of a profitability section, an efficiency section, a liquidity and stability section, a breakeven point section, and a cash flow section.

In the present invention, the financial diagnosis result information includes diagnostic section characteristic information indicating characteristics of each of the diagnostic sections based on the detailed cause analysis information analyzed for each diagnostic section.

In the present invention, the diagnosis section characteristic information is characterized in that it includes an improvement section and an improvement section for each of the diagnosis sections.

In the present invention, the financial diagnosis result information includes improvement management section information indicating at least one of the diagnoses analyzed as requiring consulting.

In the present invention, the improvement management section information is characterized in that the consulting section firstly presents a diagnostic section required for priority.

In the present invention, the improvement management section information is provided for each of the diagnostic items.

In the present invention, the consulting information is automatically output in a report format according to a predetermined template.

In the present invention, the consulting information is provided in at least one of graphic, image, and text.

In the present invention, the step of providing the consulting information may further include registering the deepening consulting request of the enterprise according to whether the financial server requests the deepening consulting of the enterprise.

The present invention utilizes financial information of an individual company and enterprise information data of the same type of business to analyze the financial information of a company to find out the detailed cause of the financial situation and provide consulting information based on the result, Automatically discover areas.

The present invention performs financial analysis with minimal information input and utilizes company data in the same industry in which the analyst company belongs rather than a simple accounting ratio analysis to determine the market status, By understanding the current position of the analyst firm, it improves the understanding of the company as a whole.

The present invention utilizes financial statements to identify issues of the enterprise, and derives the merits and improvement areas of the detailed causes that affect the analysis results of the financial statements, thereby providing meaningful information to financial persons and companies .

The present invention automatically generates a variety of information including analysis results of a company's financial statements, such as graphs, texts, and images, and improves the understanding of the results of analysis by the enterprise and the non-specialist.

The present invention automatically discovers and provides fields that require deepening consulting as well as meaningful enterprise analysis information to support growth of the enterprise and provide high quality financial service to the enterprise.

1 is a service flowchart of an enterprise consulting information providing apparatus according to an embodiment of the present invention.
2 is a block diagram of a financial server according to an embodiment of the present invention.
3 is a diagram illustrating an example of corporate information of a company displayed through an output according to an exemplary embodiment of the present invention.
4 is a view illustrating an example of profitability information displayed through an output according to an embodiment of the present invention.
5 is a view showing another example of profitability information displayed through an output according to an embodiment of the present invention.
6 is a diagram illustrating another example of profitability information displayed through an output according to an embodiment of the present invention.
7 is a diagram illustrating an example of efficiency information displayed through an output according to an embodiment of the present invention.
FIG. 8 is a view illustrating an example of the flowability and stability information displayed through the output according to an embodiment of the present invention.
9 is a diagram illustrating an example of breakeven point information displayed through an output according to an embodiment of the present invention.
10 is a diagram illustrating an example of cash flow information displayed through an output according to an embodiment of the present invention.
11 is a diagram illustrating an example of diagnostic result information displayed through an output according to an embodiment of the present invention.
12 is a view showing an example of the deepening consulting presentation information displayed through the output according to an embodiment of the present invention.
13 is a flowchart of a method for providing enterprise consulting information according to an embodiment of the present invention.

Hereinafter, a method for providing enterprise consulting information according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings. In this process, the thicknesses of the lines and the sizes of the components shown in the drawings may be exaggerated for clarity and convenience of explanation. In addition, the terms described below are defined in consideration of the functions of the present invention, which may vary depending on the intention or custom of the user, the operator. Therefore, definitions of these terms should be made based on the contents throughout this specification.

1 is a service flowchart of an enterprise consulting information providing apparatus according to an embodiment of the present invention.

Referring to FIG. 1, an apparatus for providing enterprise consulting information according to an embodiment of the present invention includes a financial manager terminal 10, an enterprise terminal 20, an external institution server 30, and a financial server 40, The financial manager terminal 10, the enterprise terminal 20, the external institution server 30, and the financial server 40 are connected through a communication network to transmit and receive various information.

A financial manager terminal (10) is a terminal device possessed by a financial manager who provides information on corporate finance through consultation with an employee of a company, and consults various matters concerning corporate finance.

The financial manager terminal 10 inputs and outputs various kinds of information and transmits and receives various data through a communication network. The financial manager terminal 10 may include various terminal devices that provide Internet / financial services such as a personal computer (PC), a laptop computer, a notebook computer, a smartphone, and the like. In particular, the financial contact terminal 10 inputs financial information of a company, requests consulting information, and outputs and outputs an output according to a consulting information request.

The communication network may be a second generation based on CDMA (Code Division Multiple Access), a third generation based on WCDMA (Wideband Code Division Multiple Access), a wireless environment supporting fourth generation or later generation based on Long Term Evolution (LTE) , And a short-range wireless communication service including a WiFi may be all included. In addition, the communication network may include all internal communication networks of financial institutions.

Here, the consulting information includes at least one of corporate diagnostic information for the enterprise, financial diagnosis information for analyzing the financial information, and information about the financial diagnosis result of the company based on the financial diagnosis information.

The financial diagnosis information is generated by a financial information analysis unit 421 described later, and the financial diagnosis result information is generated in a financial diagnosis result generation unit 428 described later. This will be described later.

The enterprise terminal 20 is a terminal device provided by an employee of an enterprise. The enterprise terminal 20 may include various terminal devices for providing Internet / financial services such as a personal computer (PC), a laptop computer, a notebook computer, a smartphone, and the like. When the enterprise terminal 20 inputs financial information of a company or requests consulting information, the enterprise terminal 20 receives an output according to a request for consulting information.

Here, the financial information includes both the company's financial statements and information on the performance of the company's business activities.

Financial statements are information on the flow of funds that arise from the management process of a company. It is a calculation sheet that periodically establishes the financial performance of the financial side based on accounting information recorded in accordance with certain principles.

These financial statements include statement of financial position, statement of comprehensive income, statement of cash flows, statement of changes in equity and statement of appropriations of retained earnings. In addition, in the case of manufacturing, the analysis of the manufacturing cost statement in the statement attached to the financial statement is included in the analysis.

A statement of financial position is a table showing the financial status of a company at a certain point in time. The statement of financial position includes assets and liabilities, capital, etc.

Comprehensive Income Statement is a table showing business performance for a certain period of time. Comprehensive Income Statement includes Income and Expense, Net Income, and Company Income Result.

The cash flow statement shows the inflow and outflow of cash for a certain period of time into business activities, investment activities, and financial activities. The cash flow statement includes cash increase / decrease, basic cash, and end cash.

The capital statement is a financial report that provides information on the size and changes in capital. The statement of capital includes comprehensive information on capital stock, capital surplus, capital adjustments, accumulated other comprehensive income and retained earnings, which constitute capital .

The Statement of Appropriations of Retained Earnings represents the disposition of retained earnings, which shows how the retained earnings before disposal were disposed of as dividends, statutory reserves and voluntary reserves.

The manufacturing cost statement shows detailed information of the finished product cost in the current period such as direct material cost, direct labor cost, manufacturing overhead cost, etc., and includes important information for analysis in the case of manufacturing industry.

Meanwhile, as described above, the financial information may include not only financial statements and company information, but also various information necessary for generating consulting information.

The external institution server 30 provides the company's financial information. External organizations may include various agencies, including tax accountants' offices.

As described above, the financial information may be provided from the external institution server 30 to the financial server 40, but may also be provided from the enterprise terminal 20 or the financial contact terminal 10. Further, the company data other than the financial statements are provided to the financial server 40 from the enterprise terminal 20 or the financial manager terminal 10. On the other hand, the financial server 40 may use the company data provided by itself.

The financial server 40 collects financial information of the company, analyzes the collected financial information to generate consulting information for the company, and provides the generated consulting information to the company terminal 20 or the financial contactor terminal 10 do.

The financial server 40 will be described in detail with reference to FIG. 2 to FIG.

FIG. 2 is a block diagram of a financial server according to an embodiment of the present invention, FIG. 3 is a diagram illustrating an example of company information displayed through an output according to an embodiment of the present invention, and FIG. FIG. 5 is a view illustrating another example of profitability information displayed through an output according to an embodiment of the present invention. FIG. 5 is a view illustrating an example of profitability information displayed through an output according to an embodiment of the present invention. FIG. 6 is a diagram illustrating another example of profitability information displayed through an output according to an embodiment of the present invention. FIG. 7 is a diagram illustrating an example of efficiency information displayed through an output according to an embodiment of the present invention. FIG. 8 is a view illustrating an example of the flowability and stability information displayed through an output according to an embodiment of the present invention, and FIG. 9 is a flowchart illustrating an example of the flow and stability information output through an output according to an embodiment of the present invention An exposed hand FIG. 10 is a diagram illustrating an example of cash flow information displayed through an output according to an embodiment of the present invention. FIG. 11 is a flowchart illustrating an example of cash flow information according to an embodiment of the present invention. FIG. 12 is a view illustrating an example of detailed diagnosis information displayed through an output according to an exemplary embodiment of the present invention. Referring to FIG.

2, the financial server 40 includes a financial information collecting unit 41, a consulting information generating unit 42, an output generating unit 43, and a main server 44.

The financial information collection unit 41 collects financial information from at least one of the enterprise terminal 20, the financial contact terminal 10 and the external institution server 30.

The consulting information generating unit 42 analyzes the financial information collected by the financial information collecting unit 41 to generate consulting information for the company and thereby generates the consulting information for the financial information analyzing unit 421 and the financial diagnosis result generating unit 428, .

The financial information analyzing unit 421 analyzes the financial information collected by the financial information collecting unit 41 to generate financial diagnostic information.

The financial information analysis unit 421 further includes a profitability analysis unit 423, an efficiency analysis unit 424, a fluidity and stability analysis unit 425, a break-even point analysis unit 426, and a cash- (427). Diagnostics include profitability, efficiency, liquidity and stability, break-even point and cash flow.

The enterprise information analysis unit 422 generates enterprise diagnostic information for the enterprise.

In this case, the company information analyzing unit 422 stores the company's financial information of the Korean industry classification code, sales amount, and operating profit data program internal variables for each company. If the company's industrial classification code is inputted from the manager, The analysis of the companies that are classified according to the industry classification codes and the analysis of the financial information of these companies shows that the total number of companies analyzed, the market share and operating profit rate of the analyzed companies, the ranking within the industry, Average operating margin, etc., and record them in the report.

The corporate diagnostic information includes at least one of the status information of the enterprise in the same kind of industry and the business performance information of the enterprise.

Referring to FIG. 3, the status information of the same kind of industry includes the market share, the operating margin, and the sales amount in the same kind of industry. This enables the employees of the company to recognize the current position of the company in the same industry. The information on the status of companies in the same industry is provided as a bubble chart so that it can be intuitively understood by the employees of the company and displayed in text.

In addition, the information on business performance of a company includes the average annual growth rate of sales during the survey period, the annual average growth rate of total assets, the change ratio of sales, the ratio of total assets to net change, Of the total assets of the company. These business performance information is provided in a variety of tables, texts, and graphs, so that the employees of the company can easily understand the enterprise diagnosis information intuitively.

Here, the company information analysis unit 422 extracts the business performance index, sales amount, total assets, operating profit and net profit of the analysis company, analyzes the annual sales growth rate and the annual average growth rate of the asset, This information should be included in the report by comparing and analyzing the increase / decrease of profit rate and net profit rate.

Furthermore, the company information analyzing unit 422 can additionally provide various additional information for enhancing the understanding degree of the consulting information, such as the terms provided in the enterprise diagnostic information and the calculation method, so that the understanding information can be enhanced. This is also applied to the financial diagnostic information described later.

In addition, each financial diagnostic information is provided in at least one of text, image, table and graph, so that it can be intuitively understood by the employees of the company.

The profitability analysis part 423 analyzes the profitability part of the diagnosis part and provides a trend of ROIC and weighted average cost of capital (WACC) as shown in FIG. 4 and FIG.

In particular, the profitability analysis unit 423 provides trends in ROIC and weighted average capital cost (WACC), return on equity (ROE) and return on assets (ROA) (ROIC) and the weighted average cost of capital (WACC), as well as the analysis.

Here, the profitability analysis unit 423 extracts a five-year financial statement, current assets, non-current assets, short-term borrowings, long-term borrowings, long-term investment assets, operating current liabilities and operating fixed liabilities, And net operating assets, and record them in the report.

In addition, the profitability analysis unit 423 calculates ROIC by dividing the net operating profit after tax by the average investment capital, and evaluates the return trend by comparing the year-on-year comparison of the ROE. In this case, the profitability analysis unit 423 determines the detailed cause that affects the increase / decrease of the return on capital investment, records it in the following report, and compares the return on capital investment with the weighted average cost of capital, Or overruns, and determines the trends in the three-year return on capital investment and weighted average cost of capital, and then lists these information in the report.

The profitability analysis unit 423 calculates the return on equity (ROE) by multiplying the net profit margin, total asset turnover and financial leverage. The profitability analysis unit 423 analyzes the result of the increase and decrease in the calculation parameters of the return on equity capital and the increase / decrease in the return on equity capital, thereby deducing the detailed cause of the increase or decrease in the return on equity capital and records it in the report. In addition, the profitability analysis unit 423 determines the trend of the return on the basis of the comparison of the return on equity capital with the year-on-year comparison.

In addition, the profitability analysis unit 423 calculates the ROA by multiplying the net profit margin and the total asset turnover ratio. The profitability analysis unit 423 compares the year-on-year changes in the total assets yields and draws out the detailed causes based on the variables that affect the increase / decrease of the total assets yield, and records the results in the report. do. Also, the rate of return analysis section 423 evaluates the sales amount and the achievement of the net profit per 10,000 won and the trend thereof, and records it in the report.

This allows the company's employees to understand clearly the cause of the outcome, rather than simply providing numerical information about the financial analysis.

Thus, the result of analyzing the financial information and providing the detailed cause thereof is not limited to the profitability category, and applies equally to all of the financial diagnostic information described below.

In addition, management performance and improvement points can be derived based on the detailed cause of each diagnostic information. This will be described later.

The efficiency analysis section 424 analyzes the efficiency section of the diagnosis section. As shown in FIG. 7, the efficiency analysis unit 424 provides the efficiency of the inventory asset and the receivables management and the efficiency of the business circulation cycle, and analyzes the detailed cause of the efficiency of the inventory asset and the receivables management do.

The efficiency analysis unit 424 analyzes the relationship between the cost of goods sold and the average inventory assets to calculate the inventory turnover period and to derive the detailed causes affecting the long and short term of the inventory turnover period. To determine efficiency trends and to include them in the report.

In addition, the efficiency analysis unit 424 analyzes the relationship between the sales amount and the average trade receivable, calculates the turnover period of the receivables, and automatically compares the long-term and short- To improve understanding of management efficiency.

The efficiency analysis unit 424 finalizes the business cycle period by subtracting the average payment date from the business cycle period and derives the detailed cause of the change from the purchase of raw materials to the recovery stage of the receivables through comparison with the previous year And report it in the report. Furthermore, the efficiency analysis unit 424 analyzes the change in the cash telephone cycle and the average payment due for the three years, and determines the efficiency trend and records it in the report.

FIG. 7 shows an analysis result on the efficiency of inventory asset management and its detailed cause. In particular, in the efficiency section generated by the efficiency analysis section 424, the business cycle period is displayed in a graph as well as numbers and tables, thereby enhancing the understanding degree. In particular, we analyze the detailed flow of working capital by analyzing the retention period of each stage from the raw material input stage to the production process input and inventory receivable receivable recovery, so that the pros and cons of management activities at each stage can be grasped.

The flowability and stability analysis unit 425 analyzes the liquidity and stability of the diagnostics sector and provides cash ratios, swift ratios, flow rate analysis, and EBITDA compensation multiples.

The liquidity and stability analysis unit 425 calculates the cash ratio, the rapid rate and the flow rate, and judges the stability trend by comparing and analyzing the rapid rate of the rapid rate with respect to the year before. Based on the variables affecting the increase / , And the stability trend is determined by comparison of the cash ratio and the flow rate increase / decrease analysis for three years, and they are described in the report.

In addition, the liquidity and stability analysis unit 425 calculates the EBITDA compensation multiples, the interest compensation multiples, the financial leverage ratio, and the non-deficit ratio, and compares the EBITDA compensation multiples with the previous year to determine the stability trend. The details of the causes are derived based on the variables that affect the increase and decrease, and the stability trends are analyzed by analyzing the three-year interest compensation multiples, the financial leverage ratio and the absence ratio, and they are described in the report.

FIG. 8 shows the analysis result of the cash ratio, which is the strongest indicator of the liquidity diagnosis, and its detailed cause.

The breakeven point analyzing unit 426 analyzes breakeven points in the diagnostic unit. In particular, the break-even point is displayed through a 2 × 2 matrix analysis as shown in FIG. 9, so that a company employee can accurately understand the break-even point situation and trend.

In particular, the breakeven point analysis unit 426 extracts the sales, the change rate, the contribution margin, the fixed cost, the BEP sales, the BEP rate, and the safety margin sales of the analyzed companies constituting the BEP analysis unit, Based on the comparison, the detailed cause of the recent year's year-to-year location change on the BEP 2 × 2 matrix graph is derived based on the variables that have influenced the main cause of the location change. Also, the break-even point analysis unit 426 generates a break-even point 2 × 2 matrix graph using the calculated BEP ratio and the fixed ratio as variables, Darting the company location for 5 years and include it in the report.

The cash flow analysis unit 427 can calculate the cash flow from the operating activities that can be calculated based on the information of each account item in the financial state diagram associated with the profit and loss statement that causes cash flow, Analysis by direct method. 10, cash flows from operating activities include cash inflows from customers, cash payments such as raw material purchases, cash payments for sales and general management activities, cash payments for interest expenses, cash inflows from other income such as interest, Cash payments from other expenses, cash payments from corporations and net cash flows from operating activities.

The cash flow analysis unit 427 creates a cash flow statement using the financial status table and the profit and loss statement, and compares the cash flow and the net profit on the profit and loss statement for two years to find a difference between the net operating cash flow and the accounting profit And analyze the main causes of the details. That is, the cash flow analysis unit 427 tracks the cash flows of two years and derives the detailed cause of the cash flow change irrespective of the accounting profit, and records them in the report.

In particular, the cash flow analysis unit 427 analyzes only the cash flow from the monthly activity, which is useful for the analysis purpose, using the direct method. In general, financial activities and investment activities can be enhanced by obtaining individual information within companies other than financial statements. In addition, most SMEs do not have to disclose cash flow statements because they are not required. It can be an analysis. The graph on the right side of FIG. 10 shows that when the analysis is performed on a cash basis, each item indicating a positive cash effect on the left side and a cash base negative effect on the left side are shown from the zero point on the horizontal axis in comparison with the accounting profit.

The financial diagnosis result generation unit 428 generates the financial diagnosis result 428 from the profitability analysis unit 423, the efficiency analysis unit 424, the flowability and stability analysis unit 425, the break-even point analysis unit 426, and the cash flow analysis unit 427 And the information of the diagnosis section and the information of the improvement management section are generated for each diagnostic section.

As shown in FIG. 11, the diagnosis section characteristic information is used to indicate an advantage section and an improvement need section for each diagnosis section, respectively, and particularly, for each diagnosis section, Ensure that the employees of the enterprise understand exactly what needs to be improved. In addition, the characteristic information of the diagnosis section is displayed in a graph form so that the enterprise person can intuitively understand the diagnostic section which needs to be improved first among each diagnosis section.

In addition, the improvement management section information indicates one or more of the diagnostic sections that are analyzed as requiring consulting. Thus, as shown in FIG. 12, the diagnosis sections that require priority improvement are displayed . In addition, the improvement management section information is provided for each diagnostic section, so that the employees of the enterprise can understand the improvement direction accurately.

In other words, the financial diagnosis result generation unit 428 derives the fields requiring improvement from among the various detailed causes generated as a result of the financial diagnosis, provides text for suggesting deepening consulting, thereby inducing deepening consulting, Based on the results, we provide graphs that enable us to visually judge good and poor areas.

The output generation unit 43 generates the consulting information generated by the financial diagnosis result generation unit 428, the financial information analysis unit 421 and the company information analysis unit 422 in the form of an output, It is provided in the form of a report.

In this case, as shown in FIG. 3 to FIG. 12, the output generation unit 43 provides consulting information using at least one of text, image, table, and graph, So that you can understand it correctly.

The main server 44 generally controls the financial server 40 so that when the consulting information is requested from either of the financial contact terminal 10 or the enterprise terminal 20, Collect financial information. The main server 44 then generates the consulting information through the consulting information generating unit 42. When the output of the consulting information is generated in the output generating unit 43, And transfers the output to the terminal 20.

Thereafter, the main server 44 determines whether deepening consulting is requested from the financial contact terminal 10 or the enterprise terminal 20. When the deepening consulting is requested as a result of the determination, the main server 44 registers a deepening consulting request for the enterprise.

Hereinafter, a method for providing enterprise consulting information according to an embodiment of the present invention will be described in detail with reference to FIG.

13 is a flowchart of a method for providing enterprise consulting information according to an embodiment of the present invention.

Referring to FIG. 13, the main server 44 determines whether consulting information is requested from the financial contact terminal 10 or the enterprise terminal 20 (S10).

If the consulting information is received from any of the financial contact terminal 10 and the enterprise terminal 20 as a result of the determination in the step S10, the financial information collecting unit 41 acquires the consulting information from the financial contact person terminal 10, ) And the external institution server 30 (S20).

When the financial information is collected in the financial information collecting unit 41, the financial information analyzing unit 421 analyzes the financial information inputted from the financial information collecting unit 41, and determines the profitability, efficiency, (S30 to S70), which shows the detailed cause of the respective departments, the break-even point and the cash flow section, and each of these diagnostic sections.

The financial information analysis unit 421 then inputs the analyzed financial diagnosis information to the financial diagnosis result generation unit 428. The financial diagnosis result generation unit 428 generates the financial diagnosis information 421, (S80), and inputs the financial diagnosis result information to the output generation unit (43).

Accordingly, the output generation unit 43 inputs the financial diagnosis result information received from the financial diagnosis result generation unit 428 and the financial diagnosis information received from the financial information analysis unit 421 into a predetermined template, And generates an output (S90).

Next, the main server 44 delivers the output generated by the output generation unit 43 to the financial contact terminal 10 or the corporate terminal 20 that has requested the consulting information (S100).

Thereafter, the main server 44 determines whether there is a consulting request from the financial contact terminal 10 or the enterprise terminal 20. If there is a consulting request, the main server 44 registers a deepening consulting request for the corresponding company (S110).

As a result, financial consultants in financial institutions conduct deepening consulting based on the output of the companies concerned.

As described above, the present invention finds the main causes of the financial analysis result for the enterprise, provides the enterprise analysis information, and automatically finds the deepening consulting area.

The present invention performs financial analysis with minimum information input and improves the understanding of the whole company by not only the simple ratio analysis but also the industry situation, the market situation, and the present position of the enterprise in the industry.

The present invention utilizes financial statements to identify issues of the enterprise and provides the meaningful information to financial persons and companies by deriving the merits and improvement areas of the detailed causes that affect the analysis result of the financial statements .

The present invention automatically generates a variety of information including analysis results of a company's financial statements, such as graphs, texts, and images, and improves the understanding of the results of analysis by the enterprise and the non-specialist.

The present invention supports the growth of the enterprise and provides high quality financial service to the enterprise by automatically discovering and providing the deepening consulting area as well as the enterprise analysis information meaningful to the enterprise.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims. will be. Accordingly, the true scope of the present invention should be determined by the following claims.

10: financial manager terminal 20: enterprise terminal
30: external institution server 40: financial server
41: financial information collecting unit 42: consulting information generating unit
421: financial information analysis section 422: enterprise information analysis section
423: profitability analysis section 424: efficiency analysis section
425: Flowability and stability analysis part 426: Break-even point analysis part
427: Cash flow analysis unit 428: Financial diagnosis result generation unit
43: output generation unit 44: main server

Claims (14)

The financial server collecting financial information of the enterprise;
Analyzing the financial information by the financial server to generate consulting information on the company based on the financial information; And
The financial server providing the consulting information,
The financial information includes the financial statements of the company and the company information on the performance of the business activities of the company,
Wherein the consulting information includes at least one of corporate diagnostic information for the enterprise, financial diagnostic information for analyzing the financial information for each diagnostic section, and financial diagnosis result information of the company based on the financial diagnostic information,
Wherein the enterprise diagnostic information includes at least one of the current status information of the enterprise in the same kind of industry and the business performance information of the enterprise,
The information on the status of the above companies in the same kind of industry includes the market share, the operating margin and the sales in the same industry,
The financial diagnostic information is generated for each predetermined diagnosis section and includes detailed cause analysis information for analyzing the detailed cause affecting the analysis result of each diagnosis section,
The diagnostics sector includes at least one of profitability sector, efficiency sector, liquidity and stability sector, break-even sector, and cash flow sector,
The financial server analyzes the relationship between the cost of goods sold and the average inventory asset in the efficiency section to calculate the inventory asset turnover period and then derives the detailed cause affecting the turnover period of the inventory turnover period, We analyze efficiency trends by comparison with previous year,
In the efficiency section, the financial server analyzes the relationship between the sales amount and the average trade receivable, calculates the turnover period of the receivables, and analyzes the meaning of the long-term and short-
In the efficiency section, the financial server calculates the business cycle period by subtracting the average payment date from the business cycle period and calculates the detailed cause of the change from the purchase of raw materials to the recovery phase of the receivables Wherein the efficiency trend is determined by analyzing the change in the cash conversion cycle and the average payment date.
delete delete delete delete delete The method according to claim 1, wherein the financial diagnosis result information comprises
And diagnosis section characteristic information indicating characteristics of each of the diagnosis sections based on the detailed cause analysis information analyzed for each diagnosis section.
8. The method according to claim 7,
Wherein each of the diagnosis sections includes an advantageous part and an improvement necessary part of each detailed item.
The system of claim 7, wherein the financial diagnostic result information comprises:
And the improvement management section information indicating at least one of the diagnoses analyzed as a need for consulting.
10. The system according to claim 9, wherein the improvement management section information
Wherein the consulting first presents a diagnosis section required first.
10. The system according to claim 9, wherein the improvement management section information
Wherein the diagnostic consulting information is provided for each diagnostic item.
The method of claim 1, wherein the consulting information is automatically output in a report format according to a preset template.
The method of claim 1, wherein the consulting information is provided in at least one of graphic, image, and text.
The method according to claim 1, further comprising the step of registering the deepening consulting request of the enterprise according to whether the financial server requests the deepening consulting of the enterprise after the step of providing the consulting information Way.

Images