TW201301187A - Optimal financial statement analysis and stock picking information system and method - Google Patents

Abstract

The present invention relates to an optimal financial statement analysis and stock picking information system and a method thereof, which are based on the financial statement of an enterprise to automatically analyze the performance of the stock according to various financial index of the same industry so as to provide the enterprise stock in the industry which meets the standard value or has the best performance. The system consists of a financial information server, an optimal financial statement analysis and stock picking information system and a plurality of CPE (Customer Premise Equipment). The financial information server is for saving the information required by the optimal financial statement analysis and stock picking information system. The optimal financial statement analysis and stock picking information system consists of a stock picking main website, a stock appraisal subsystem and an expert suggestion subsystem. The membership certification and information setting portion consists of a member registration module of the stock picking main website, a member log-in module, and a financial information update/setup module. User ends are connected via the Internet to the optimal financial statement analysis and stock picking information system to proceed member registration and log-in verification according to the member ID so as to set the receiving interval of various information and proceed the update operation. The best stock appraisal part consists of a best stock appraisal module of the stock appraisal subsystem, a best valued stock module, a best managed stock module, a best revenue stock module, a best potential stock module, a best debt-service stock module and a high risk stock module, allowing remote users to proceed stock appraisal according to the various updated information. Furthermore, the expert suggestion part consists of a stock suggestion module of the expert suggestion subsystem and a general output module, thereby providing suggestion in real time according to the result of stock appraisal and performing general output operation with respect to the appraisal data and the suggestions for reference by investors during stock picking. With the present invention, optimal financial analysis information can be generated automatically according to the actual financial situation of an enterprise and the performance of stock market value, thereby effectively reducing the difficulty of financial information analysis for investors and the risk of wrong decisions.

Description

Information system and method for optimal financial analysis and stock selection

The invention relates to an information system and method for analyzing and selecting stocks of the best financial statements, in particular, based on the financial statement data of the enterprise, in order to obtain an analysis of the advantages and disadvantages of the individual stocks in the industry, and obtain the same Corporate stocks that meet the standard value or best performance in the industry.

Due to the vigorous development of the financial industry, the pattern of financial products has changed more and more, and it has also made it necessary for general investors to find reports and investment policies with investment reference value in the information flow.

Before the investment of the general investors, the overall assessment of the investment stocks was carried out through the three fundamental aspects of “Fundamental”, “Message Face” and “Technology”. Among them, the “Fundamental” assessment of the investment stocks was conducted. It is particularly important, including the disclosure information of the four major financial statements of the investment stock companies, as an important reference for the company's future development forecast and evaluation.

However, because the average investor may not accept complete financial training, the information disclosed by the company cannot be effectively analyzed or the meaning of the data is understood; it is more difficult to analyze many indicators or data in order to combine the technical aspects. To present future trends through financial technology tools (eg, KD lines, RSI).

In the above-mentioned problem, the patent of US Patent No. 2005144096 A1, which is entitled "Financial visualization and analysis systems", is the main technical feature of which the user can use the interface to query a financial report. After the financial statements of the enterprise in the database, and using an analytical method, the obtained financial statements of the enterprise are classified and presented in a time point (eg, month, season, year) to achieve the financial statements of the enterprise. The effect of data visualization and time.

The patent of "Computer based device to report the results of codified methodologies of financial advisors applied to a single security or element", the main technology of which is disclosed in the U.S. Patent No. 6,037,516, filed on Apr. 9, 2002. It is characterized by the financial statements of listed companies, and further integrates indicators such as pre-tax net profit, after-tax net profit, shareholders' equity, asset remuneration, profit growth, gross profit growth, post-tax net profit growth, asset compensation growth, and shareholder equity growth. The analysis and calculation module performs financial information or financial indicator reorganization, so that the information collector can effectively obtain the status of the company's fundamentals.

The above two patents are mainly obtained for the financial statements of the company and stored in a database, so that users can quickly carry out index classification and information reorganization through an analytical calculation program for a large number of information and indicators of financial statements. Efficacy, and can be presented in a simple and easy to understand graphic. However, due to the large number of entrepreneurs in the listed cabinets, the average consumer cannot analyze the financial statements of the company one by one, and it is even more difficult to combine financial technology tools to obtain better investment targets.

Therefore, the Taiwan Intellectual Property Office published the No. 200636533 on October 16, 2006, and its patent titled “Automatic Analysis System for Financial Statements of Listed Companies” provides an analysis based on the “fundamental” financial statements of the company. The main technical feature is that the automatic analysis system is used to obtain the financial statement data of the listed company, and an analysis program is used to perform index classification and information reorganization on the financial statement data; The standard value of each financial technology tool is set so that the system can perform judgment operations based on the standard value set by the investor to provide individual stock information in accordance with the standard value. However, because the general investors do not necessarily have the expertise of financial finance, and the theory and significance behind the various financial technology tools are not clear, there is not enough ability to judge the signals generated by the financial technology tools.

Secondly, the standard methods and forms of the financial technology tools are not the same, and the timing of each tool will change due to the type of financial investment products. Therefore, the average investor cannot accurately determine which analysis time to use. Financial technology tools; moreover, it can be used as a financial investment judgment by setting the standard value of the financial technology tool.

In view of this, it is still necessary to provide an information system and method for the analysis and stock selection of the best financial statements, and to further solve the shortcomings of the above-mentioned TW No. 200636533 patent technology, in addition to being based on the financial statements of the enterprise, in order to automatically Providing corporate stocks that meet the standard value or best performance of various financial indicators in the industry to understand the advantages and disadvantages, and better provide expert advice through the current status of the industry, so as to effectively provide general investors as a reference for stock selection decisions. And reduce the risk of investors' financial analysis information is difficult and wrong decision-making.

The information system and method for the best financial statement analysis and stock selection of the present invention are mainly obtained through the selection of the main website of the best financial statement analysis and stock selection information system according to the needs of the member financial update. The financial statement data of the enterprise in the financial server, and the stock selection subsystem automatically selects the individual stocks in the same industry that meet the standard value or the best performance of the financial indicators in order to understand the advantages and disadvantages, and achieve the most automatic acquisition by investors. The effect of good stock selection information.

The invention provides an information system and method for optimal financial statement analysis and stock selection, and another purpose thereof is to automatically filter enterprise stocks that meet the standard value or the best performance for the stock selection subsystem, which can be immediately The investment suggestion information of the company's individual stocks is generated as a reference for investors to make stock selection decisions, and can effectively reduce the risk of investors' financial analysis information being difficult and wrong to make decisions.

The optimal financial statement analysis and stock selection information system proposed by the invention comprises: a financial server, a best financial statement analysis and stock picking information system and a plurality of user equipment; the financial server is used for Store all kinds of relevant information required for the analysis of the best financial statements and the stock picking information system; for the best financial statement analysis and stock picking information system to receive the relevant information, and then screen the industry to meet the standard value or the most Good performance of individual stocks, and immediate investment advice information to achieve the best automatic stock selection.

The method for analyzing and selecting stocks of the best financial statements provided by the present invention comprises the steps of: obtaining a member registration data of an investor by using a stock selection main website, and providing for setting the verification after completing the verification of the membership status The time interval for receiving various related information, so that the stock selection subsystem can receive the financial statement data of the required individual stocks, and can automatically screen out the individual stocks of the same industry that meet the standard value or best performance according to the evaluation standard value. It can also generate investment advice information provided by an expert for transmission to the user equipment as a reference for investors to make stock selection decisions.

The objects and features of the present invention are described by the following embodiments and drawings, which are set forth by way of example only. Other advantages and effects are not intended to limit the scope of the invention.

As shown in the first figure, it is a schematic diagram of the information system and method for analyzing and selecting stocks of the best financial statements of the present invention. The information system of the best financial statement analysis and stock selection comprises a financial server 5, a best financial statement analysis and stock picking information system 3 and a plurality of end users 1; wherein the best financial statement analysis and The stock picking information system 3 is connected to the remote end user 1 via an Internet 2 and connected to the database server 5 via an internal network (Intranet) 4.

As shown in the second figure, it is the best financial statement analysis and stock selection information system function module diagram of the best financial statement analysis and stock selection information system and method of the present invention. The best financial statement analysis and stock picking information system 3 includes a stock picking main website 31, a stock selection subsystem 32, and an expert suggestion subsystem 33. The stock picking main website 31 provides the user equipment 1 for the member registration and login operation, so that the specific time interval is set by the financial update setting module 313 to provide energy according to the time interval (for example, The date, week, season, and year are set to obtain all kinds of related information provided by the financial server.

Secondly, the stock selection subsystem 32 includes an optimal selection unit module 321, a best value stock module 322, a best value stock module 323, a best operating stock module 324, and an optimal potential stock. The module 325, an optimal debt service module 326 and a high risk stock module 327 are formed. The user selects the module of the stock selection subsystem 32 to determine whether the value measured by the selection index meets the standard value of each industry indicator, and sorts the enterprise stocks that meet the standard value (for example, If the user selects the best operation module 323 of the stock selection subsystem 32, the best financial statement analysis and stock selection information system 3 will automatically obtain the selection indicators required by the best operation module 323 [such as , the sales force capacity indicator, the shipping speed indicator, the collection speed indicator, the fixed asset operation indicator, the total asset utilization indicator, the comprehensive leverage indicator, etc., and other financial indicators are on the financial server 5, and according to the After the industry's average level automatically generates a standard value, the best operating order for the same industry or cross-industry stocks that meet the standard value is provided to the user). Therefore, after the completion of the time interval, according to the user's choice, the best selection unit module 322 can be used to perform the full indicator (including the best value indicator, the best business indicator, and the best value indicator for the standard value of the selection indicator. Best revenue indicators, best potential indicators and best debt repayment indicators) screening operations to automatically provide the best performing stocks in the same industry or across industries; and users only need to change the net value per share of the company's stocks, Then, the best value stock module 322 is used to obtain the standard value judgment of the best value selection index, and the best value ranking is performed for the same industry or cross-industry stocks that meet the standard value, so as to understand that the analysis stocks are in the same industry. The advantages and disadvantages of the situation.

Further, the user can also analyze the status of the "fundamental" of the individual stocks through the best operating module 323, the best-paying stock module 324 and the best paying stock module 326, The assessment indicators are used to analyze and judge whether they meet the standard values of the same industry average, and to perform the best operations, the best revenue and the best debt-paying enterprise stocks, and the users can also use the best The potential stock module 326, based on the standard value of the evaluation index for evaluating the best potential, is used to quickly find and sort the enterprises with excellent growth potential; and can borrow from the individual stocks whose standard value does not meet a preset value. The high risk stock module 327 is sorted to find out which of the current industry or cross-industry stocks are highly risky stocks.

In addition, after the user completes the analysis and judgment and sorting operation of the stock selection subsystem 32, the expert suggestion module 331 in the expert suggestion subsystem 33 can use the expert suggestion data according to the enterprise stock selected by the user. The library is used to provide investment advice for the stock, and an integrated output module 332 can be used to obtain individual recommendation information of the sorted corporate stocks and overall comprehensive recommendation information to generate a comprehensive assessment report for transmission via the Internet. To the user device 1 as a reference when making a stock selection decision.

As shown in the third figure, it is the financial server function module diagram of the information system and method of the best stock selection of the present invention. The financial server 5 includes a member database 51, a corporate financial database 52, a stock database 53, and an expert suggestion database 54. The member database 51 is used for storing the basic information of the member registered on the website and the member number information, so that the member registration and verification operation can be performed for the user, and the time interval setting can be set by setting the time interval of the data. The homework includes a member basic data file 511, a member number data file 512, and a time interval setting data file 513. The enterprise financial report database 52 is used for storing the financial statements of the company with public financial statements, including an asset and liability data file 521, a shareholder equity data file 522, a cash flow data file 523 and an enterprise profit and loss data file. 524 consists of. The data file includes information of indicators required by each module of the stock selection subsystem 32 (for example, if the asset and liability data file 521 includes an evaluation index of the best operating stock [for example, the use of fixed assets and the use of total assets] Indicators, etc.], the evaluation indicators of the best operating stocks included in the cash flow data file 523 [for example, sales force indicators, shipping speed indicators, collection speed indicators, etc.], and enterprise profit and loss data files The evaluation index of the best operating stock included in 524 [for example, comprehensive leverage indicators...etc.). In addition, the stock database 53 is used to store the stock price and stock information of the listed cabinet company, which includes a keyword data file 531, a stock data file 532, an instant stock price file 533 and a historical stock price data file. 534, which provides users with the keyword or stock type to quickly find the enterprise stocks to be evaluated, and is also an evaluation indicator required to provide the best value stock module 322 [e.g., the net value index per share, Intrinsic value indicators...etc.

In addition, the expert recommendation database 54 is composed of a stock recommendation data file 541 and a comprehensive recommendation data file 542; it is mainly for storing experts' suggestions for individual stocks, and can generate a comprehensive evaluation report based on the selection results. To the user device.

As shown in the fourth figure, it is the flow chart of the information system and method for the analysis and stock selection of the best financial statements of the present invention. The user equipment 1 is connected to the stock selection main website 31 in the best financial statement analysis and stock selection information system 3 via the Internet 2, and a member registration operation is performed by the member registration module 311. Obtaining a member number information; and when the user wants to use, the member login module 312 obtains the user's member authentication data, and determines whether it is a registered member, and provides the member who completes the login through the financial update setting mode. The group 313 performs the time interval setting of a financial update, and can notify the member who has not set the time limit for the financial update, so that the financial statement data and the stock data can be obtained according to the set time interval.

Secondly, according to the modules in the stock selection subsystem selected by the member (for example, 321~327), it is used to judge whether the value measured by the selection index meets the standard value of the industry average; for example, the selected module If there is no enterprise stock that meets the standard value, the user is informed to re-select the module for evaluation; however, the enterprise stocks that meet the standard value of the module evaluation index selected by the user are sorted to provide energy for the expert recommendation. The individual stock recommendation module 331 of the system 33 is used to obtain the individual recommendation information of the ranking company stocks and the overall comprehensive suggestion information for the user equipment 1 to utilize an integrated output module 332 for obtaining the comprehensive evaluation of the generation. Report as a reference for stock selection decisions.

As shown in the fifth-A diagram and the fifth-B, it is a flow chart for evaluating the indicators of the information system and method for the best stock selection of the present invention. It is used to obtain the financial statement data and stock data of the financial server 5 according to the time interval set by the user, and further automatically obtain the full indicator standard value (including the best value indicator and the best value) of the required evaluation industry. Operating indicators, best revenue indicators, best potential indicators and best debt repayment indicators), first determine whether the stock data meets the standard value of the full indicator, if the value of the full indicator meets the standard value of the same industry average, then For the matching of individual stocks, the same industry or cross-industry stocks will be ranked in the best ranking; and if the selected individual stocks are unable to meet the standard value of the full indicator, then it can be further judged whether the stock information of the individual stocks meets the best value selection. The standard value of the indicator, and can rank the best value of the same industry or cross-industry stocks for the corresponding individual stocks, and can be returned to the users; secondly, to clearly understand the "fundamental" of the individual stocks, Corporate stocks that meet the standard value of the best value selection indicators are further analyzed by the standard value of the best management selection indicator. Breaking individual stocks and ranking the best business for the same industry or cross-industry stocks that meet the standard value; and, for those who do not meet the best business evaluation criteria, use the best revenue selection indicators for analysis and judgment to understand the enterprise Revenue status and capacity, and for the enterprise stocks that meet the standard value to generate the best revenue sorting operation for the same industry or cross-industry stocks; furthermore, the user can use the best potential selection indicators for evaluation and judgment. To find the best stocks of the company's stocks, and to rank the best potential for the same industry or cross-industry stocks that meet the best potential selection criteria; and, for the debt status of the company, it can provide users with stocks. After the data, the best debt repayment selection index is used to conduct judgment analysis of the individual stocks of the enterprise, and the best debt repayment order is ranked for the same industry or cross-industry stocks that meet the standard value; finally, the users of the stock database 53 The stock information transmitted is not in line with the standard value of the above all indicators, and the company stocks below a preset value are carried out together. Industry or cross-industry high-risk sorting operations.

For the user to perform the indicator judgment analysis through the module selected by the stock selection subsystem 32 and generate the same industry or cross-industry stock that meets the standard value, the expert suggestion module 331 of the expert suggestion subsystem 33 may The individual stocks are sorted to generate individual recommendation information and overall comprehensive recommendation information for the user equipment 1 to utilize an integrated output module 332 for obtaining the generated comprehensive evaluation report.

1. . . User equipment

2. . . Internet

3. . . Best Financial Statement Analysis and Stock Information System

31. . . Stock picking website

311. . . Member registration module

312. . . Member login module

313. . . Financial update setting module

32. . . Stock selection subsystem

321. . . Best selection stock module

322. . . Best value stock module

323. . . Best operating stock module

324. . . Best revenue stock module

325. . . Best potential stock module

326. . . Best debt repayment module

327. . . High risk stock module

33. . . Expert advice subsystem

331. . . Stock recommendation module

332. . . Integrated output module

4. . . Internal network

5. . . Financial server

51. . . Member database

511. . . Member basic profile

512. . . Member number data file

513. . . Time setting data file

52. . . Corporate financial report database

521. . . Asset and liability data file

522. . . Shareholders' equity data file

523. . . Cash flow data file

524. . . Enterprise profit and loss data file

53. . . Stock database

531. . . Keyword data file

532. . . Shareholders' equity data file

533. . . Instant stock data file

534. . . Historical stock data file

54. . . Expert suggestion database

541. . . Stock recommendation data file

542. . . Comprehensive recommendation information

The first figure is a schematic diagram of the information system and method for the best stock selection of the present invention.

The second figure is the best financial statement analysis and stock selection information system function module diagram of the best financial statement analysis and stock selection information system and method of the present invention.

The third figure is a functional diagram of the financial server function module of the information system and method for the best stock selection of the present invention.

The fourth figure is a flow chart of the operation of the information system and method for the best stock selection of the present invention.

The fifth-A, five-B diagram is a flow chart for evaluating the indicators of the information system and method for the best stock selection of the present invention.

1. . . User equipment

2. . . Internet

3. . . Best Financial Statement Analysis and Stock Information System

31. . . Stock picking website

311. . . Member registration module

312. . . Member login module

313. . . Financial update setting module

32. . . Stock selection subsystem

321. . . Best selection stock module

322. . . Best value stock module

323. . . Best operating stock module

324. . . Best revenue stock module

325. . . Best potential stock module

326. . . Best debt repayment module

327. . . High risk stock module

33. . . Expert advice subsystem

331. . . Stock recommendation module

332. . . Integrated output module

4. . . Internal network

5. . . Financial server

Claims (10)

An information system for optimal stock selection, the system comprising a financial server, a best financial statement analysis and stock picking information system and a plurality of user equipments, wherein: a financial server is used for storing the information The best financial statement analysis and various information required for the stock picking information system; a best financial statement analysis and stock picking information system is used to receive all kinds of relevant information of the financial server for the financial statements of the company. Based on the data, the selection of corporate stocks in which the financial indicators in the same industry meet the standard value or the best performance is characterized in that the best financial statement analysis and stock selection information system includes: a stock selection main website for providing The user performs member registration and login operations to set the receiving time of various related information, and can update the related information; a stock selection subsystem provides the user equipment by updating each Class-related information for the selection of corporate stocks in the same industry that meet the standard value or best performance; an expert recommendation subsystem, based on the stock selection As a result, real-time information to provide recommendations of, and may be sent to the user terminal device integrated output job information and recommendations for the selection of information. For example, the information system of the best stock selection mentioned in the first paragraph of the patent application, wherein the related information in the financial server includes: a member database for storing the basic information of the members registered on the website and Member number information, so that the user can register and verify the operation for the user, and set the operation time by setting the time interval of the data; a corporate financial report database is used for storing the financial statements of the company with public financial statements; A stock database for storing the stock price and stock data of the listed cabinet company, which can be used for stock selection operations; an expert suggestion database, which stores the suggestions made by experts for individual stocks, and can be combined with the selection results A comprehensive evaluation report is generated to the user equipment. For example, the information system for the analysis and stock selection of the best financial statements mentioned in item 1 of the patent application, wherein the main website of the stock selection in the best financial statement analysis and stock selection information system comprises: a member registration module, For receiving the registration information of the user equipment, and returning the registered member information to the member database for the member data storage operation; a member login module is used to obtain the login input by the user terminal device The information is checked and checked with the member data of the member database; a financial update setting module is provided for the user to set a specific time interval for the purpose of obtaining the financial servo according to the time interval. Various types of information provided by the device. For example, the information system of the best stock selection mentioned in the first paragraph of the patent application, wherein the setting of the time interval can be divided into any combination of day, week, season, year or any of the time intervals. For example, the information system of the best stock selection mentioned in the first paragraph of the patent application, wherein the stock selection subsystem in the best financial statement analysis and stock picking information system comprises: an optimal stock selection module, which is used In order to obtain the financial statement data and stock data in the financial server, and perform the full indicator screening operation according to the standard value of the selection indicators provided by the manager setting module; a best value stock module is to obtain the stock in the financial server. The stock price information and stock data of the database, and filter and sort the enterprise stocks with the best value of the industry or cross-industry according to the standard value of the selection index; the best operating stock module provides users with the database of corporate financial reports. The financial statement data, according to the standard value of the selection indicators, select and rank the enterprise stocks with the best operating performance of the same industry or cross-industry; the best revenue stock module provides the financial statement data of the user to obtain the enterprise financial report database, and According to the standard value of the selection indicators, the enterprise stocks with the best revenue capability of the same industry or cross-industry are selected and ranked; the best potential stock module is based on the enterprise wealth. Obtaining the financial statements in the database, and screening and sorting the individual stocks with the best potential development of the industry or cross-industry based on the standard values of the selection indicators; one of the best debt-paying stock modules, through the enterprise financial report database The financial statement data is obtained, and the company's stocks with the best solvency of the same industry or cross-industry are screened and sorted according to the standard value of the selection indicators; a high-risk stock module, which screens the full indicator for the best stock selection module The standard value of the selection indicator is lower than a preset value for screening and sorting the same industrial enterprise stocks. For example, the information system of the best stock selection mentioned in the first paragraph of the patent application, wherein the expert suggestion subsystem in the best financial statement analysis and stock selection information system includes: a stock recommendation module, which is a stock selection After the selection result of the subsystem, the expert recommendation database can be used to provide investment suggestions for the stock according to the company's selected stocks; a manager setting module provides a manager for the stock selection subsystem. The selection criteria are required to set the standard value for the user to automatically generate the best stock picking information required after completing the financial update operation. An integrated output module is capable of generating information according to the standard value of the same industry or cross-industry enterprise stocks according to the selection of the modules in the stock selection subsystem, and combining the stocks provided in the expert suggestion database. Investment advice to generate a comprehensive assessment report and transmit it to the consumer device via a network transmission. The information system of the best stock selection as described in claim 1, wherein the user equipment comprises a desktop computer, a notebook computer and a portable network device. An information method for optimal stock selection is based on the financial statement data of the enterprise, and is used to provide users with automatic acquisition of enterprise stocks that meet the standard value or best performance in the same industry, and is characterized by the following steps: The device performs a member registration operation through an internet connection and obtains a member number information; obtains the user's member authentication information through a stock selection main website, and determines whether it is a registered member; and provides a member who completes the login to make a fortune The time interval of the update is set, and the financial statement data and the stock data are obtained according to the set time interval; and the module in the stock selection subsystem selected by the member is used to judge whether the value measured by the selection index is Aligning with the standard values set by the manager; sorting the individual stocks that meet the standard value; and using the expert advice subsystem to obtain the individual recommendation information of the sorted corporate stocks and the overall comprehensive recommendation information; The device can utilize a comprehensive output module to obtain a comprehensive evaluation report of the production as a stock selection decision Of reference. For example, the information method of the best stock selection described in claim 8 includes the following steps: receiving the time interval set by the user, and obtaining the time in the financial server according to the time point of the time interval. Financial statement data, stock data; according to the expert suggestion, the manager in the subsystem sets the module to obtain the standard value of the full indicator; for the user's choice, through the best selection stock module in the stock selection subsystem Determine whether the stock data meets the standard value of the full indicator, and rank the best selection for the same industry or cross-industry stocks that meet the standard value; and the standard value of the best value selection index for the stock data that does not meet the full indicator standard value Judging and ranking the best value for the same industry or cross-industry stocks that meet the standard value; secondly, for the stock data that does not meet the standard value of the best value selection index, the standard value judgment of the best business indicator is made, and the standard is met. Value of the same industry or cross-industry stocks to produce the best business order; and the best camp for the remaining stock data that does not pass the standard value Judging the standard value of the indicator, and ranking the best revenue for the same industry or cross-industry stocks that meet the standard value; further, for the stock data that the above indicators do not meet, the standard value judgment of the best potential indicator is made, and The best potential ranking of the same industry or cross-industry stocks in accordance with the standard value; and the use of the standard value of the best debt repayment index to judge the stock data that does not meet the standard value of the best potential selection index, and for the same industry that meets the standard value Or the cross-industry stocks produce the best sort of debt repayment; when the stock data is lower than the default value of the full indicator standard value, it is used to generate and rank high-risk stocks of the same industry or cross-industry stocks. For example, the information method of the best stock selection mentioned in claim 9 of the patent scope includes the best value indicator, the best business indicator, the best revenue indicator, the best potential indicator and the best debt repayment indicator.