KR20200009774A - Method and system for diagnosing and analyzing fundings - Google Patents

Abstract

Disclosed are a method and a system for diagnosing and analyzing funding, which predicts the probability and directionality of funding of a corresponding company on the basis of basic information, financial information, a fund required plan, and a funding plan of the company. The method for diagnosing and analyzing funding, which is performed by the system for diagnosing and analyzing funding, connected to a company terminal and a funding support institution through a network, comprises the steps of: generating company analysis information by analyzing company information from a company terminal or a preset company information providing service device; generating funding basic information by analyzing support institution diagnosis information and company analysis information from a funding support institution; recognizing the type of funding, the kind of funding, a funding institution, a method and condition of funding, and the available amount and required period of funding on the basis of the funding basic information, and analyzing recognized data to generate funding diagnosis information; and deriving a corresponding value by matching values included in the funding diagnosis information and the support institution diagnosis information, and generating the funding diagnosis information including the corresponding value. The funding diagnosis information includes information on the funding probability and a funding directionality.

Description

Funding diagnostic analysis method and system {METHOD AND SYSTEM FOR DIAGNOSING AND ANALYZING FUNDINGS}

An embodiment of the present invention relates to a funding diagnosis technology, and more specifically, a funding diagnosis analysis method and system for predicting the funding possibility and direction of a company based on basic information, financial information, fund demand plan, and funding plan of the company. It is about.

In general, most small and medium-sized venture companies pursue their unilateral directions for financing by visiting firms directly from the financial institutions, consulting with professional management consulting firms, or even consulting with aka brokers with financial expertise. There are frequent cases of financing that is not rational, which is never favorable to the company, or that is not funded at all.

In addition, each individual company is faced with various problems for the small and medium venture company that manages the company by raising funds for a certain purpose, and even though each company has different circumstances and financing characteristics, In many cases, depending on the supplier or broker's position, procurement regardless of the characteristics of individual companies is also frequent.

In addition, many entrepreneurs are not sensitive to the strategy of various variable factors due to corporate financing, which causes the issue of unconditional financing without any detailed analysis.

In addition, some companies that need to attract investments are financed in the form of borrowing, which can lead to risks in which companies suffer from excessive debt and eventually go bankrupt.

On the other hand, in the opposite case, it is necessary to obtain financing, which attracts investment funds, which in turn causes the funds supplied by the investment to act as unreasonable variables in equity.

On the other hand, the reality is that the CEO, who is a founder and a real major shareholder, suffers from a weakening management due to excessive investment attraction and eventually hands over the company to the investor.

In addition, most companies have the most difficult assignments, so they have difficulty in raising funds and are thirsty. As a result, it may cause more trouble.

As such, most SMEs are vulnerable to financial expertise or knowledge, so if there is a system that can at least make simple predictions on financing, it can reduce or prevent the occurrence of difficulties caused by the aforementioned problems.

The prior art for improving the problems as described above is disclosed in the 'funding operating system using the open platform and its operating method' of the Republic of Korea Patent Publication No. 2014-0096676.

The prior art is connected to the open platform server system in the communication network as shown in Figure 1 to check the achievement status of the company's history and milestones and input investment intention, and to connect to the open platform server system through the communication network It operates a company terminal that registers company information and milestone achievements and inputs funding progress, a homepage that provides company information to investor terminals and company terminals connected on a communication network, and displays the milestone achievement status of each company. Disclosing the funding status of companies applying for funding, and extracting potential investors who have registered the company that started the funding as a company of interest and commences the configuration including an open platform server system that performs funding while individually notifying (S100, S200 to S800 and See S410 and S420).

In the above-described prior art, when the company information and the milestone achievement status are registered, the prospective investor who has registered the company that started the funding as the interested company is configured to be extracted. However, companies that wish to fund have limitations in not knowing what kind of funding they should receive.

In other words, each company's specific business environment, conditions and characteristics are different. Therefore, a rational financing plan is required in order to attract investment after suggesting a direction for financing based on specific analysis and diagnosis of individual companies. have.

Republic of Korea Patent Publication No. 2014-0096676 (2014.08.06. Publication)

The present invention is derived to solve the above-mentioned conventional limitations and problems, the object of the present invention is an individual company that needs to raise funds based on the basic information, financial information, financial requirements planning information and funding planning information of the company The present invention provides a funding diagnostic analysis method and system that can provide funding prediction diagnosis information that predicts funding direction and funding direction.

According to another object of the present invention, when an enterprise terminal or a user terminal inputs a specific information value to at least some of the items presented in the platform of the pre-set funding diagnostic analysis system, the terminal according to the pre-installed processing algorithm for the items presented based on the input information It is to provide a funding diagnostic analysis method and system that can provide funding direction and funding direction by calculating specific information values at each stage of input.

Another object of the present invention is to convert the specific information according to the basic information of the company, financial information, fund requirements, procurement plan into objective analysis information and numerically calculate the final result based on each result value of the analysis information. To provide a funding diagnostic analysis method and system that can be achieved.

Funding diagnostic analysis method according to an aspect of the present invention for solving the technical problem is a funding diagnostic analysis method performed by the funding diagnostic analysis system connected to the corporate terminal and the funding support organization through a network, Generating corporate analysis information by analyzing enterprise information from a predetermined enterprise information providing service device, wherein the enterprise information includes basic company information, financial information, required fund planning information, and funding plan information; Company analysis information includes basic information analysis information, financial information analysis information, required fund planning analysis information, and funding plan analysis information; Generating funding analysis information by analyzing the support organization diagnosis information and the company analysis information from the funding support organization, wherein the funding analysis information includes basic information diagnosis information, financial information diagnosis information, and required funds diagnosis information. Including; Based on the financing analysis information, identifying financing type, financing type, financing institution, financing method and condition, financing amount and required period, and analyzing the identified data to generate financing diagnosis information Wherein the funding diagnosis information includes values diagnosed by collecting basic information diagnosis information, financial information diagnosis information, and required fund diagnosis information; And deriving a corresponding value by matching values included in the funding diagnosis information with the support institution diagnosis information, and generating funding diagnosis information including the corresponding value, wherein the funding diagnosis information is available for funding. And information on funding direction.

Funding diagnostic analysis system according to another aspect of the present invention for solving the technical problem, a funding diagnostic analysis system connected to the customer company and the funding support through a network, the storage unit for storing a software module or program; And a control unit connected to the storage unit to perform the software module, wherein the software module analyzes corporate information from a terminal of a customer company or a predetermined enterprise information providing service device and generates corporate analysis information. Analysis module-wherein the company information includes the basic information, financial information, required fund planning information and funding plan information of the company, the company analysis information is the basic information analysis information, financial information analysis information, required fund planning analysis information And funding plan analysis information; A funding diagnosis module for generating funding analysis information by analyzing the support organization diagnosis information and the company analysis information from the funding support organization, wherein the funding analysis information includes basic information diagnosis information, financial information diagnosis information, and required information. Includes funding diagnostic information; Based on the financing analysis information, financing type, financing type, financing institutions, financing methods and conditions, financing amount and time required, and analyzing the identified data to generate financing diagnostic information Procurement prediction module; And an interlocking module for matching values included in the funding diagnosis information with the support institution diagnosis information to derive a corresponding value, and generating funding diagnosis information including the corresponding value, wherein the funding diagnostic information is funding. Include information on availability and funding direction.

In the case of using the funding diagnosis analysis method and system of the present invention described above, whether or not to fund the individual companies that need to raise funds based on the basic information, financial information, fund demand planning information and funding planning information of the company; Providing diagnostic information on funding forecasts that predict funding direction. In this case, there is an effect that can help the successful management of the company by establishing a reasonable financing method and strategy for the company.

In addition, according to the present invention, if specific information values are input to at least some of the items presented in the platform of the funding diagnostic analysis system set in the enterprise terminal or the user terminal, the data processing pre-installed for the items presented based on the input information By calculating specific information values according to the algorithm by the input stage, it is possible to suggest whether the funding is possible and the direction of funding up to the specific stage of the funding process. As described above, according to the present invention, there is an effect that can contribute to successful corporate activities by predicting or presenting reasonable solutions such as information and direction so as to smoothly solve the financing required by the company.

In addition, according to the present invention, by converting the specific information according to the basic information, financial information, fund requirements, procurement plan of the company into objective analysis information and calculate the final result numerically based on each result value of the analysis company It has the effect of providing services so that users or corporate personnel can intuitively and easily grasp the possibility of financing and the direction of financing.

1 is a view showing a funding operating system using a conventional open platform.
2 is a block diagram illustrating a funding diagnostic analysis system according to an embodiment of the present invention.
3 is a block diagram illustrating a detailed configuration that can be employed in the funding diagnostic analysis system of FIG.
4 is a view for explaining the principle of operation of the funding diagnostic analysis system of FIGS.
Figure 5 is a flow chart illustrating a funding diagnostic analysis method according to another embodiment of the present invention.
6 is a flowchart illustrating a funding diagnostic analysis method according to another embodiment of the present invention.

Specific features and advantages of the present invention will become more apparent from the following detailed description based on the accompanying drawings.

In the following description, the terms or words used are consistent with the spirit and scope of the present invention on the basis of the principle that the inventor can appropriately define the concept of terms in order to best describe the invention of his own. It should be interpreted as a concept.

In addition, when it is determined that the detailed description of the known function and the configuration related to the present invention may unnecessarily obscure the subject matter of the present invention, it should be noted that the detailed description is omitted.

2 is a block diagram illustrating a funding diagnostic analysis system according to an embodiment of the present invention, Figure 3 is a block diagram illustrating a detailed configuration that can be employed in the funding diagnostic analysis system of Figure 2, Figure 4 2 and 3 are diagrams for explaining the principle of operation of the funding diagnostic analysis system of FIG.

2 to 4, the funding diagnostic analysis system 100 according to the present embodiment includes a control unit 70, a storage unit 80, and a communication unit 90, and the collection unit 80 collects the storage unit 80. The module 10a, the company information analysis module 20, the funding diagnosis module 30, the funding prediction module 40, and the interworking module 50 may be stored. The collection module 10a may correspond to the company information input module 10 or may include a company information input module 10.

In addition, the storage unit 80 includes a database or a database management system, and the database includes corporate name, person in charge, contact number and e-mail information of each individual company entered through membership registration, sales information of SMEs. (E.g., sales standards can be classified into large and small, for example, large is more than 10 billion won, medium is more than 500 million to less than 10 billion, small is less than 500 million) Can be stored.

In addition, each of the company information input module 10, the company information analysis module 20, the fund raising diagnosis module 30 and the fund raising prediction module 40 according to the present embodiment is connected to the management server 60 or the management server It can be installed and implemented by running an app on a personal computer (PC) or mobile terminal capable of installing the funding diagnostic analysis algorithm downloaded from the web server. Each of the information analyzed and diagnosed by the modules 10 to 40 and the aggregated information may be displayed on a display unit such as a PC and a terminal of each customer company 200 and provided to the customer.

Specifically, the corporate information input module 10 or the collection module 10a receives basic information, financial information, required fund planning information, and funding plan of each company.

The basic information of the company includes representative name (date of birth), business number (establishment date), address, type of business, item, capital, main products, total assets, total liabilities, shareholder status, sales status (eg, three years), total sales Personnel (e.g., employee-executive, technical, research, administrative, and production), factory information (e.g. address, land area, construction area, major equipment and price), and outstanding items (e.g., amount, overdue payment , Interest and payment interest, rent not paid, wage unpaid, four major insurances)).

In this case, the financial information includes financial statements for the financial statements for three years and is uploaded by yearly selection. Funding plan information can be any one of facility funds, working capital (emergency management fund (e.g., interest, salary and raw material purchase)), commercialization of development technology, mergers and acquisitions, business transition, trade finance or new business. Includes information about funding plans for In addition, the funding plan includes information on the amount of funding of one or more of equity capital, net equity capital or others.

On the other hand, the corporate information analysis module 20 is based on the basic information of the company inputted by the enterprise information input module 10 to determine the direction of funding support, asset size, production and investment environment, more specifically, the CEO credit rating (Consideration of youth start-up), corporate credit (consideration of support for start-up corporation (1 ~ 7 years)), government funding area, direction of support, project except government support, size at the time of establishment, industry and market analysis, asset size, debt Ratio-health, identification of CEOs and actual managers, growth environment, productivity to personnel (consideration of organizational structure), production and investment assets operation environment, unpaid items (e.g., delinquent period and amount, expected payment period), or these By analyzing the combination of the 'basic information analysis information' is generated.

In addition, the company information analysis module 20 analyzes the cash flow based on the financial information received through the company information input module 10 to generate 'financial information analysis information'.

In addition, the company information analysis module 20 is based on the necessary fund planning information received through the company information input module 10, working capital and new business funds, more specifically, facility funds (eg, plant purchases, factories and office buildings) Purchase, construction fund, purchase of machinery and equipment), working capital (eg payment interest, salary and purchase fund), commercialization of technology-new business (eg facility fund, working capital and developer fund), M & A acquisition The 'fund analysis information' is generated by analyzing funds, industry conversion funds (eg facility funds and working capital), trade finance, new and old business funds (eg facility funds and working capital), or a combination thereof.

In addition, the company information analysis module 20 analyzes any one selected from among the net capital raising ability, the capital raising ability and the financing ability of others based on the fund raising plan received by the enterprise information input module 10. To generate 'financing analysis information'.

On the other hand, the funding diagnosis module 30 includes the government funding support or productivity and payment period based on the 'basic information analysis information' generated by the company information analysis module 20. More specifically, the funding diagnosis module 30 is representative credit (AD (D-class not supported)), youth start-up support (Y / N- not supported), corporate credit (AD (D-class not supported)) , Start-up support (Y / N- not supported), Local government funding support Y / N, the size at the time of establishment (more than 100 million-A, over 3000 ~ 100 million-B, over 3000-C, 1,000 Less than -D), marketability (AD (low CD amount)), net assets (more than 10 billion -A, more than 3 billion -B, more than 1 billion-C), debt ratio (more than 100% -A, more than 200%- B, more than 300% -C, more than 400% -D), CEO and actual manager (CEO is major shareholder-A, 2 major shareholders-B, no shareholder-C, not real manager-D), growth environment (3 Year Sustainable Growth-A, Sustained Growth-B, 1 Year Deficit-C, 2 Year Deficit-D, 3 Year Deficit-DD), Productivity (Very High-A, High-B, Moderate-C, Low -D), organization (well-configured-A, improvement-B, abnormal-C), pending (delinquent period (regardless -A, less than 1 month -B, more than 1 month -C, more than 2 months -D) )), Payable Liver generates (regardless -A, -B less than, less than 1 -C, 1 -D 10 month or more days) or "basic information diagnostic information, for at least one or more items selected from the aforementioned.

In addition, the financing diagnosis module 30 is based on the 'financial information analysis information' generated by the company information analysis module 20, any type of financing, that is, self-funding-investment attraction or borrowing-financing / financing Generate 'Financial Information Diagnostic Information', including whether tangible financing is available.

In addition, the funding diagnosis module 30 has a validity score or a financial soundness score (AA, BB, CC) based on the 'fund analysis information' generated by the company information analysis module 20 and the ratio of supportable funds to total required funds. , DD), supportable target ratios (30% -A, 40% -B, 50% -C, 60% -D), ratio of funds to the scope of support (60% -A, 50% -B, 40%- C, 30% -D) and analyze the data to generate 'fund diagnosis information'.

In addition, the funding prediction module 40 interoperates and aggregates the 'basic information diagnosis information', 'financial information diagnosis information' and 'necessary fund diagnosis information' generated by the funding diagnosis module 30, and whether funding is possible. Generate 'financing diagnostic information (including funding status (Y / N)'), including funding type, funding type, funding agency, funding method and condition, funding amount, and duration do.

At this time, the funding prediction module 40 diagnoses each of profitability (operating profit or net profit), cash flow (liquidity), and financial soundness (financial ratio) based on the 'financing diagnosis information', and then ranks (A, B, C, D), the debt ratio (adequacy) is diagnosed, and the grade (very good, good, poor, impossible) is given, and the total score is derived according to the assigned grade to determine whether the funding (Y / N) and funding In the unlikely event of a failure (in case of N), the reasons for non-financing and alternatives, ie problem-solving and objective prescriptions, may be suggested.

In addition, 'basic information analysis information', 'basic information diagnosis information', 'financial information analysis information', 'financial information diagnosis information', 'necessary fund analysis information', 'necessary fund diagnosis information' generated according to the present embodiment , 'Financing analysis information' and 'financing diagnosis information' are each encrypted with data and stored in internal or external storage, and each client company uses their personal information as individual or aggregated information. This can be confirmed through a computer or a mobile terminal.

In addition, the company information input module 10, the company information analysis module 20, the fund raising diagnosis module 30 and the fund raising prediction module 40 according to the present embodiment is a PC or mobile terminal authenticated through the membership registration procedure It can be operated to run in, it can be implemented to block the information leakage by hacking and insiders by recording and storing the work history performed by each module in column units.

The interlocking module 50 receives the values included in the 'financing diagnosis information' generated by the financing prediction module 40 and the management server 60 or the funding support institution received from each funding support institution 300. Match the 'fund support diagnostic information' and derive the corresponding values to generate a comprehensive 'fund diagnosis information'. The aggregated 'funding diagnosis information' may include a comprehensive self-diagnosis result of the customer company 200.

Here, the interlocking module 50 may be configured to be directly linked with a funding source, such as an investment institute, lender or guarantee institution, which is a funding support organization, through a wired / wireless information communication network, or the analysis information about these organizations may be It is configured to interwork with the database of the management server 60 is stored and wired and wireless information communication network.

The management server 60 may be configured to transmit the information derived based on the funding support agency data stored in the database to the interworking module 50 when the customer company requests.

In addition, the management server 60 is based on the funding support input received from the type of investment institution (VC, angel investment, crowdfunding, financial sector investment, small and medium business corporation, private equity, window investment company or accelerator), At least any one selected from the type of loan institution (including Small Business Corporation or the first financial sector), the type of credit guarantee institution (Technology Guarantee Fund, Credit Guarantee Fund, Small and Medium Business Corporation or Regional Credit Guarantee Fund) 'Support organization analysis information' according to one or more may be generated.

In addition, the management server 60 is based on the 'analysis information of the support organization' generated facility investment (for example, workplace lease deposit, factory site purchase, factory purchase, building construction cost or equipment cost), M & A acquisition fund, working capital (eg Purchase of raw materials, labor or marketing expenses, technology development funds, development technology commercialization funds, industry conversion funds, disaster recovery funds, total demand funds (e.g. self-funded or procurement funds), collateral (e.g., self-credit, financial collateral, guarantees, Real Estate 1, Real Estate Subordinate, Intellectual Property, Trade Receivables, Delivery Contract, Purchase Conditional Development Fund), or a combination of these, and analyzes the data to generate 'Support Agency Diagnosis Information' and generate the database. ) Can be stored.

In addition, the management server 60 transmits the 'support agency diagnostic information' stored in the DB to the interworking module 50 according to the selection of the customer company, and the interlocking module 50 receives the 'support agency diagnostic information' and funding. By collecting and matching the values included in the 'financing diagnosis information' received from the prediction module 40 to generate a comprehensive 'funding diagnosis information' and allows the customer company to check through a PC or a mobile terminal.

In this case, the integrated 'fund diagnosis information' generated by the interlocking module includes objectives of whether to raise funds (Y / N), funding agencies, funding amount, funding type and method, support negotiation details or derived values. Both prescriptions (including reasons and alternatives) may be included or at least one of them may be included.

According to the present embodiment described above, the comprehensive 'funding diagnosis information' of the customer company may be transmitted to the funding support institution according to the choice of the customer company. In addition, the funding support institution may receive the comprehensive 'funding diagnostic information' directly from the client company or access the management server to view the comprehensive 'funding diagnostic information' of the client company together with the information of the client company.

In addition, by using the funding diagnostic information generated by the diagnosis and analysis of the company information and the funding diagnostic information received from the funding support institution 300, the comprehensive funding diagnostic information for the customer company to the customer company 200 Can provide.

According to the funding diagnosis and analysis system according to the present embodiment, the funding support institution can obtain information on the financing of the companies without additional marketing, thereby minimizing the opportunity cost such as marketing between the client companies and the support organizations. The effect can be achieved.

In addition, the management server 60 is configured to interlock with a predetermined credit information company, it is possible to read the credit information for the customer company if necessary.

According to the funding diagnostic analysis system of the present embodiment as described above, it is possible to predict whether or not the necessary financing and direction of the company itself, the direction and the appropriate method (financing type, method for financing the company itself) , Amount, direction, etc.) can be known in advance, and it is possible to plan financing in favor of the company.

3, the configuration of the funding diagnostic analysis system 100 will be described in more detail. The controller 70 may include a processor, a microprocessor, a central processing unit (CPU), or the like. It may include a component for performing a function corresponding to such means. The controller 10 may include an arithmetic logic unit (ALU) for performing calculations, a register for temporarily storing data and instructions, and a controller for controlling or managing an interface device between middlewares. .

The controller 70 loads at least one or more of a plurality of modules that perform different functions into a predetermined region of a register, and in the social network service (SNS) by the action of a specific module or the interaction of the modules. It provides the environment of social funding to the user terminal, structured the big data collected from the SNS according to the request of the user terminal, analyzes the structured big data, evaluates the user's credit rating based on the big data analysis result, and then evaluates the credit rating May be stored in the memory system 12 or externally output through the network interface 13.

The control unit 70 includes Digital, Alpha, MIPS Technology, NEC, IDT, Siemens, MIPS, Intel and Cyrix, AMD, and Nexgen. It can have a variety of architectures, such as, but not limited to, the company's x86 and IBM's and Powerola's PowerPC.

The storage unit 80 may store a set of programs or instructions for performing funding diagnostic analysis. In addition, the storage unit 80 may store the company information collected during the funding diagnostic analysis process, store the analysis information obtained by analyzing the company information, or may store the diagnostic information obtained by using the analysis information.

The storage unit 80 may have various structures according to the type or form of the platform. For example, a main memory, a floppy disk, and a hard disk in a storage medium type such as random access memory (RAM) or read only memory (ROM). It may be implemented as one or more memory systems of auxiliary memory in the form of a long-term storage medium such as a solid state drive (SSD), a flash memory, a magnetic tape, etc., but is not limited thereto. The storage unit 80 may include a cloud that refers to storage on a network including the Internet.

The communication unit 90 may be referred to as a network interface, a communication interface, or the like. The communication unit 90 may be connected to the management server 60, the customer company 200, the funding support organization 300 through the network. The communication unit 90 refers to a means for exchanging signals and data or performing data communication with the management server 60, the customer company 200, the funding support organization 300, or a component for performing a function corresponding to such means. can do. The communication unit 90 may include a device (modem) connected to a network to modulate and demodulate a signal, a web server including the device, and the like.

The storage unit 80 according to the present embodiment is a collection module 10a or a company information input module 10, a company information analysis module 20, a fund raising diagnosis module 30, a fund raising prediction module 40, and interworking. Modules such as the first to fifth modules corresponding to the module 50 may be provided. In this case, the controller 70 may be configured to read the first to fifth modules from the storage 80 to perform a funding diagnostic analysis process.

On the other hand, in the present embodiment illustrates a case in which the above modules are stored in the storage unit 80, the present invention is not limited to such a configuration, the control unit corresponding to the module or the component to perform the function of the function control unit Of course, it can be implemented in a form that is integrally mounted on the 70.

5 is a flowchart illustrating a funding diagnostic analysis method according to another embodiment of the present invention.

Referring to FIG. 5, the funding diagnosis analyzing apparatus implementing the funding diagnosis analyzing method according to the present embodiment generates company analysis information based on the acquired, input or received company information (S51).

Next, the funding diagnostic analysis apparatus generates funding basic information based on the company analysis information and the support institution diagnosis information (S52). Funding basic information may correspond to the funding diagnostic information generated based on the above-described basic information diagnosis information, financial information diagnostic information and the required funds diagnostic information.

Next, the funding diagnostic analysis device generates funding diagnostic information based on the funding basic information (S53). Funding diagnostic information may correspond to funding diagnostic information described below.

In the present embodiment, the funding prediction module may be implemented to include an interworking module. That is, the funding prediction module may be implemented to generate funding diagnosis information based on basic information diagnosis information, financial information diagnosis information, and required funds diagnosis information, and to generate funding diagnosis information based on funding diagnosis information and support institution diagnosis information. Can be. The generated funding diagnostic information may be transmitted to a customer company, a management server 60, a funding support institution, etc. (see FIG. 4).

In addition, the funding diagnostic analysis system of the present embodiment may be embodied as follows.

3 to 5, an embodiment of a specific implementation is described. First, the corporate information input module 10 receives basic corporate information, financial information, required fund planning information, and financing plan information from a customer company. .

Subsequently, the corporate information analysis module 20 may be based on the basic information of the company, representative director credit, corporate credit, government funding area, support direction, government support exclusion project, size at the time of establishment, industry or market analysis, asset size identification, Debt ratio-soundness, identification of CEOs and actual managers, growth environment, productivity to personnel, production status, investment environment and outstanding items are analyzed, and the data are analyzed to generate 'basic information analysis information'.

Subsequently, the corporate information analysis module 20 identifies cash flows based on the financial information, and analyzes the identified data to generate 'financial information analysis information'.

Subsequently, the enterprise information analysis module 20 identifies facility funds, working capital, technology commercialization, M & A acquisition fund, business conversion fund, trade finance, and new business fund based on the necessary fund planning information, and analyzes the identified data. Generate 'fund analysis information'.

Subsequently, the enterprise information analysis module 20 identifies any one of net capital financing ability, capital equity financing, and other capital financing capacity for financing based on the financing plan, and analyzes the identified data to analyze net equity capital. Generate 'financing analysis information' including procurement capacity, equity capital raising capability, financing ability of others, or a combination thereof.

Subsequently, the funding diagnosis module 30 is based on the 'basic information analysis information' representative credit rating, youth start-up support, corporate credit, start-up support, regional government funding availability, size, marketability, net assets, liabilities at the time of establishment The ratio, CEO and actual manager, growth environment, productivity, organizational structure, outstanding items, and payable period are analyzed, and the collected data are analyzed to generate 'basic information diagnostic information'.

Subsequently, the funding diagnosis module 30 identifies what type of financing is possible among self-funded (including investment attraction) and other-funded funds (including borrowing or loan) based on the 'financial information analysis information', and analyzes the identified data. Analyze and generate 'financial information diagnosis information'.

Subsequently, the funding diagnosis module 30 may provide a ratio of supportable funds to total required funds, financial soundness scores (AA, BB, CC, DD), and supportable target ratios based on the 'fund analysis information'. A, 40% -B, 50% -C, 60% -D), and the ratio of required funds to the scope of support (60% -A, 50% -B, 40% -C, 30% -D) Analyze the data and generate 'fund diagnosis information'.

Next, the funding prediction module 40 collects the 'basic information diagnosis information', 'financial information diagnosis information' and 'necessary fund diagnosis information' whether funding is possible, funding type, funding type, funding agency In addition, the financing method and condition, the amount of financing available, and the required period are analyzed, and the collected data are analyzed to generate 'financing diagnosis information (including financing (Y / N)').

After generating the funding diagnosis information, the funding diagnosis information generated by the funding prediction module 40 may include the basic information diagnosis information, the financial information diagnosis information, and the necessary fund diagnosis information. Together or in combination, they can be displayed on the customer's PC or terminal.

In addition, as shown in Figure 4, the interlocking module 50 of the funding diagnostic analysis system (S) according to the present embodiment is a 'basic information diagnostic information', 'financial information diagnostic information', 'fund fund diagnostic information' Client companies raise funds by matching the values included in the 'financing diagnosis information' collected and diagnosed with the 'support agency diagnosis information' for the funding support agency received from the management server 60 and deriving respective corresponding values. It is possible to generate 'funding diagnosis information', which is the result of comprehensive self-diagnosis that can be supported by the support organization. The funding diagnosis information may be transmitted to the client company or the like, or displayed on the display device of the client company's computing device so that the person in charge of the client company may check the funding diagnosis result.

In addition, the interworking module 50 may transmit 'funding diagnosis information' to each funding support institution or management server according to the selection of the customer company.

6 is a flowchart illustrating a funding diagnostic analysis system according to another embodiment of the present invention.

Referring to FIG. 6, the funding diagnosis analyzing system 100 according to the present embodiment includes a second module 20 for generating corporate diagnosis information, a third module 30 for generating basic funding information, and funding diagnosis information. Funding prediction module (E) and additional modules (A to D) for generating a. The funding progress analysis system 100 of the present embodiment further includes a reliability determination module (A), a cash flow prediction module (B), a present value calculation module (C) of future cash flows, and a corporate information reliability determination module (D). It may include.

Since the second module 20 and the third module 30 are substantially the same as the corresponding components of the funding diagnostic analysis system described with reference to FIGS. 3 and 4, a detailed description thereof will be omitted to avoid duplication. do.

The reliability determination module (A) 22 may score the enterprise diagnosis information generated in the second module according to a predetermined reliability evaluation criterion of the company and determine the reliability of the corresponding client company according to the score of the reliability evaluation standard. Reliability evaluation criteria are implemented with reliability evaluation items that are set in advance for basic information, financial information, required fund planning information, and funding plan information of the items included in the company information, and scores determined according to the corresponding contents in each item. Can be. By using such reliability evaluation criteria, it is possible to increase the reliability of funding diagnosis information by evaluating the reliability of the company information according to the contents of company information provided by each client company or funding support institution, and reflecting it in the funding diagnosis information. Will be.

The cash flow prediction module (B) 32 evaluates the cash flow probability by calculating a score on at least some items which are preset for the items in the funding basic information generated based on the company diagnosis information and the support institution diagnosis information. Or predict. Here, some items may include items that have a larger or more significant impact on the client company's financing support agency depending on the scores of the matching items among the company diagnosis information and the support institution diagnosis information. . These items may include representative creditworthiness, corporate credit, investment inducement of equity capital, investment inducement of equity funds, or a combination thereof.

The present value calculation module (C) 34 of the future cash flows calculates the present value of the future cash flows based on the financing basic information, the cash flow prediction information, and the interest rate information from the cash flow prediction module (B). The calculated present value information and basic funding information of future cash flows are transferred to the financing prediction module (E).

The company information reliability determination module (D) 42 determines the reliability of the company information based on the company diagnosis information, the market information, and the reliability determination information or the reliability determination score of the reliability determination module (A). Market information can be obtained from external service devices or public institution devices that provide market information with an open platform that are linked through a management server or network.

The funding prediction module (E) 50 is based on the company information, the present value information of the future cash flows of the present value calculation module (C) of the future cash flows, and the company information reliability information of the corporate information reliability determination module (D). Predict financing and analyze the prediction results to generate financing diagnostic information. Funding diagnostic information may be delivered to the interworking module and used to generate funding diagnostic information (see FIG. 4).

According to this embodiment, based on the basic information, financial information, fund demand planning information and financing planning information of the company, financing prediction diagnosis information for predicting whether financing is possible and the direction of financing to the individual companies needing financing It is effective in providing an environment that supports the successful management of the company by establishing a rational financing method and strategy for the company.

Although the present invention has been described with reference to the embodiments shown in the drawings, this is merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

S or 100: Funding Diagnostic Analysis System
10: Company information input module
10a: collection module
20: company information analysis module
30: funding diagnostic module
40: funding prediction module
50: interlocking module
60: management server

Claims (2)

A funding diagnostic analysis method performed by a funding diagnostic analysis system connected to a corporate terminal and a funding support organization through a network,
Generating corporate analysis information by analyzing corporate information from a corporate terminal or a predetermined corporate information providing service device, wherein the corporate information includes basic company information, financial information, required fund planning information, and funding plan information. The corporate analysis information includes basic information analysis information, financial information analysis information, required fund planning analysis information, and funding plan analysis information;
Generating funding analysis information by analyzing the support organization diagnosis information and the company analysis information from the funding support organization, wherein the funding analysis information includes basic information diagnosis information, financial information diagnosis information, and required funds diagnosis information. Including;
Based on the financing analysis information, identifying the financing type, financing type, financing institution, financing method and condition, financing amount and required period, and analyzing the identified data to generate financing diagnosis information Wherein the funding diagnosis information includes values diagnosed by collecting basic information diagnosis information, financial information diagnosis information, and required funds diagnosis information; And
And matching the values included in the funding diagnosis information with the support agency diagnosis information to derive a corresponding value, and generating funding diagnosis information including the corresponding value, wherein the funding diagnosis information includes funding availability. A funding diagnostic analysis method comprising information about funding direction. A funding diagnostic analysis system that connects client companies and funding agencies through a network.
A storage unit for storing a software module or program; And a control unit connected to the storage unit to perform the software module.
The software module,
A company information analysis module for generating company analysis information by analyzing company information from a terminal of a customer company or a predetermined company information providing service device, wherein the company information includes company basic information, financial information, required fund planning information, and funds. Including procurement planning information, the enterprise analysis information including basic information analysis information, financial information analysis information, required fund planning analysis information, and funding plan analysis information;
A funding diagnostic module for generating funding analysis information by analyzing the support organization diagnosis information and the company analysis information from the funding support organization, wherein the funding analysis information includes basic information diagnosis information, financial information diagnosis information, and required information. Includes funding diagnostic information;
Based on the financing analysis information, financing type, financing type, financing institutions, financing methods and conditions, financing amount and time required, and analyzing the identified data to generate financing diagnostic information Procurement prediction module; And
And a linkage module for deriving a corresponding value by matching the values included in the funding diagnostic information with the support agency diagnostic information, and generating funding diagnostic information including the corresponding value.
The funding diagnostic information includes information on whether funding and funding direction, funding diagnostic analysis system.

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