M377655 * > 五、新型說明： 【新型所屬之技術領域】 本創作係有_-種智慧型企業營運風險評㈣統，尤指一 種利用計算程式模組的財務危機預警系統。 9 【先前技術】 企業營運顺餅估可於-定程肋_企業聰未來一严 時間内的狀態’藉此評估該企業單位是否財務運作正常，或可: 於短時間内出現財務危機，該觀務評估的結果實絲多投^ 或企業進储魏巾重要鱗触標，例如銀行可麵險評估的 結果決枝謂躲普業，财人村依其·絲決定是否 增加投資金額或提早離·資市場，可說是商業金融往來的 重要指標。 S知之財務風險評估多以人力進行，因其複雜度與不可預期 性高，專業評估人S需要具有相當祕驗，並參照相當數量的資 料方可做出較佳鱗储果，但人力所做出畴估減有諸多= 以克服的問題： 卜營運資訊的數量龐大，若僅進行一個企業的評估，人力尚 堪負荷，但進行評估單位之數量一旦增加，專業人員將難 有公正理性的判斷，因此若欲維持高準確性，在實務執行上 有其相當難度。 2、一般投資人於投資行為上，針對財務皆非專業人士，且亦 在投資決策上，亦帶有其個人偏好錢盲點，倘若財務評估的項 3 :增多，或評估人員對其評估的對象帶有個人主觀意見時，則所 完成的財務評估亦有軸轉準確度的問題。 3、需要進行的評估數量持續提升，遂而造成整體人力成本上 升。 以上諸多問題反映了進行企業財務風險評估有其成本高、速 度與準確度難以提昇_題，為提升產·體發展，且又能預先 了解欲投資企她樣觀，吾人極力於思細_此一困境。 【新型内容】 本創作之主要目的在於提供一種智慧型企業營運風險評估系 統，能迅速對-企業之財務風險進行評估。 為達成上述目的，本創作提供一種具有智慧型企業營運風險 評估系，之計算機’包含—輸人單元、—處理單元與—輸出單元， 該輸入早7〇可接收待評估單位之營運資訊，該運算處理單元可自 該輸入單元接收營職訊，並自該營料賴取營運數據，隨後 ^過該運算處理單元巾之—計算程式模崎該營運數據進行運 算產生-風險值’該輸出單元並於讀取該風險值後將其輸出。 透過此種技術，摘作所提供具有智慧敎業營運風險評估 系統之异機’具有gj定化的處理流程，且可透過—可電腦執行 的運算程序直接麟評估結果，使本創作可迅速完餅估，進而 降低人員評估的失敗率’俾利於快速預漸務錢與提高準轉。 【實施方式】 本實施例僅就-較佳實施例說明本創作之技術手段，並非用 以限制本劍作之技術範轉。 可供使’本創作提供一種智慧型企業營運風險嗎統， 等餘入2 算機1 (或電腦）中使用，供使用者利用鍵盤 /二11輸人胃訊’肋分析並評估—個餅估營運單位於 Α疋時間内’其遭遇財務危機的風險性 裝置一性的相關資訊顯示或播放出來，供使=出 此外’本創作之營運顺評估純亦可供連接於網路使用，供使 用者利用其他4算機或手鱗翻裝置Μ，透過醜傳送待評估 營運單位的資料，並接收其所評估的風險值。 請參考圖1，本創作企業營運風險系統包含-輸入單元10、一 資料庫單元20、-運算處理單元3嗅—輪出單元4Q，該輸入單元 10可自-輸人裝置11接收-營運資訊，該輸人裝置n可設為電腦 之滑鼠或鍵盤等輸人裝置u ’該營運資賴為待評估營運單位之 營運資訊，該營運資訊應包含至少—營運數據，該營運數據可為 財雜據、財務比率(Finance Rati〇s)、麵務數據亦或其他與企 業營運相II之數據，其巾該財務比率可為現金流量比率、營收成 長率、債務比料務數_可為公·理之量化資料 或與人事異動有關的人事異動率等； 該資料庫料2〇包含魏筆參考資訊，該些參考資訊各包含 至少-參考數據，該參考數據可為財務數據或財務比率或其他與 營運有關之麟，喊參考輯絲運麟麟相_類之數 據’以利於參考之用’該些參考資訊被區分為高驗資訊與低風 險資訊’此-區分可事先經由專細務人員進㈣料分類，或於 貧料實際擷取的-段時間後’經由後觀察該資料所屬營運單位之 營運情形進行分類。 _ 另’該運异處理單元3〇可自該輸入單元1〇讀取該營運資訊， 亚自該營運資訊中擷取營運數據，該運算處理單元W包含一計算 程式模組’可職營·魏行運算並辑算程式模組之程序末 鳊產生風險值其中該什算程式，可為：類神經網路㈣㈣ Network)、支持向量機__赠沉machines)、基因演算法 (Genetic Algoritos)、二次規劃法、回 分析法或_分龍型㈤娜誠咖喊福⑴等於本創 作中並不以上述計算程式為限。 、該運算處理單元30可自該資料庫單元2()接收該些參考資訊 並擷取參雜據’糊該些參考輯，該處理單元％可使該運算 程序最佳化，具體舰，簡算處理單元如可事先該轉考 數據投入辑細賴_行娜，料細賴財的參考資 料’根據運算處理單元3G的參考數據改變支持向量機的結果，避 免發生該運算處理單元3〇對營運數據的運算所產生的風險值與實 際風險不符的情形’該些參考數據係作為運算處理單元π中 程序的參考資料，因此於理 麥亏貝訊與參考數據的增加可 杈升本創作評估風險性的準確度； 產生4G可触魏算㉞私3Q之計細式模組所 產生的風險值’並將該風險值傳送至_輪出裝置41，該輪出裝置 M377655 • / i. 8; • 41可設為電腦之螢幕，或-語音系統及揚聲器，或作為—風險數 值儲存至其他儲存媒體中供其他裝置讀取。 本創作中所述之計算程式模組，以支持向量機為較佳實施 例，其係為一種數值運算方法，其過程主要包含二大階段： .’ 一、學習階段： 卜利用核心函式(Kernel Funtion)將已分類之參考資訊投入至 .一特徵空間。 # 2、找出特徵空間中的超平面，該超平面係將高風險資訊盘低 風險資訊區分於該超平__，城超平面對於高風險資訊與 對於低風㈣訊具有-最大距離，使該超平面具有最佳之區分準 確度。 3、利用二次規賊出最佳權重值，該權重值係代表各參考數 據與風險值的相關度。 二、分類階段： 卜利用權重值、營運數顧-最餘策函辆算出營運資訊 的風險值，其中該風險值係為+1或4。 2、由該風險值判斷該營運資訊係為高風險f訊或低風險資 訊。 其中上述之資訊投射係利用核心函式進行高維度資料的轉 換，該核心函式可由使用者自下列三個函式中先行選擇其—.M377655 * > V. New description: [New technology field] This creation department has _---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 9 [Prior Art] The enterprise operation is estimated to be in the state of the company's future rigorous time. The result of the evaluation of the observations is more than the investment of the company or the important scales of the Weibu towel. For example, the result of the bank’s assessment of the face insurance is determined to be a sneak peek, and the financial village determines whether to increase the investment amount or early. It is an important indicator of commercial and financial exchanges. S knows that the financial risk assessment is mostly carried out by manpower. Because of its complexity and unpredictability, the professional assessor S needs to have a rather secret, and can refer to a considerable amount of data to make better scale storage, but the manpower does There are a lot of problems to be overcome = to overcome the problem: The number of operational information is huge. If only one enterprise is evaluated, the manpower is still heavy, but once the number of evaluation units increases, professionals will have a fair and rational judgment. Therefore, if you want to maintain high accuracy, it is quite difficult to implement in practice. 2. In the case of investment behavior, the general investor is not a professional for the finances, and also has a personal preference for money blindness in the investment decision. If the financial assessment item 3: increases, or the assessor evaluates the object With personal subjective opinions, the financial assessments completed also have the problem of accuracy. 3. The number of assessments that need to be carried out continues to increase, resulting in an increase in overall labor costs. Many of the above problems reflect the high cost, speed and accuracy of the company's financial risk assessment. It is difficult to improve the speed and accuracy of the enterprise. In order to improve the development of the industry and the body, and to know in advance what we want to invest in, we will try our best. A dilemma. [New Content] The main purpose of this creation is to provide a smart enterprise operational risk assessment system that can quickly assess the financial risks of the company. In order to achieve the above objectives, the author provides a smart enterprise operation risk assessment department, the computer 'container-input unit, processing unit and output unit, which can receive the operation information of the unit to be evaluated 7 hours earlier. The arithmetic processing unit can receive the battalion service from the input unit, and take the operation data from the camping material, and then pass the calculation processing unit towel-calculating the program operation data to calculate the operation result-risk value' the output unit And output the risk value after reading it. Through this technology, it is a process that provides a smart operation risk assessment system with a gj-defined process, and can directly evaluate the results through a computer-executable computing program, so that the creation can be completed quickly. The cake estimate, which in turn reduces the failure rate of the personnel assessment, is to facilitate the rapid advancement of the money and the improvement of the quasi-turn. [Embodiment] This embodiment describes the technical means of the present invention only in the preferred embodiment, and is not intended to limit the technical scope of the present invention. It can be used to enable 'this kind of creation to provide a smart enterprise operation risk system, etc., and use it in the computer 1 (or computer) for users to use the keyboard/two 11 input stomach information to analyze and evaluate the cake. Estimate that the operating unit's information on the risky device of the financial crisis is displayed or broadcasted during the period of time, and that the operation of the creation is also available for connection to the network for use. The user uses the other 4 computers or the hand scale device to transmit the information of the operating unit to be evaluated through the ugly and receives the risk value assessed. Referring to FIG. 1 , the creative enterprise operation risk system includes an input unit 10, a database unit 20, and an operation processing unit 3 sniffing-out unit 4Q, and the input unit 10 can be received from the input device 11 - operation information The operating device n can be set as a mobile device such as a computer mouse or a keyboard. The operating information is the operating information of the operating unit to be evaluated. The operational information should include at least operational data, which can be Miscellaneous data, financial ratio (Finance Rati〇s), facet data or other data related to business operations, the financial ratio of the towel can be the cash flow ratio, revenue growth rate, debt ratio of the number of services _ can be Quantitative data of public affairs or personnel transaction rate related to personnel changes; the database 2 contains Wei pen reference information, each of which contains at least - reference data, which may be financial data or financial ratio Or other operations-related lining, shouting the reference to the syllabus of the syllabus _ class of data for the purpose of reference 'the reference information is divided into high-test information and low-risk information' - this can be (Iv) The special fine feed materials classified service personnel, or to retrieve the actual lean feed - some time after 'after the operator through the viewing information relevant to the case of operating units classified. _ In addition, the transaction processing unit 3 can read the operation information from the input unit 1 , and obtain operational data from the operation information. The operation processing unit W includes a calculation program module. Wei Xun calculates and calculates the program module's program to generate risk value. The calculation program can be: neural network (4) (4) (4) Network), support vector machine __ give sink machines, genetic algorithm (Genetic Algoritos) , secondary planning method, back analysis method or _ minute dragon type (5) Nacheng coffee shouting Fu (1) is equal to the above calculation program is not limited to this creation. The operation processing unit 30 can receive the reference information from the database unit 2 () and extract the reference data to paste the reference series, and the processing unit % can optimize the operation program, the specific ship, Jane If the calculation processing unit can input the data in advance, the data can be used in detail. The reference material of the calculation processing unit 3G changes the result of the support vector machine according to the reference data of the operation processing unit 3G, so as to avoid the occurrence of the operation processing unit 3 The risk value generated by the operation data calculation is inconsistent with the actual risk. These reference data are used as reference materials for the program in the operation processing unit π. Therefore, the increase in the value of the data and the reference data can increase the risk of the creation evaluation. Sexual accuracy; generating a risk value generated by a 4G touchable 34 private 3Q meter module and transmitting the risk value to the _ wheeling device 41, the wheeling device M377655 • / i. 8; • 41 can be set as a computer screen, or - voice system and speakers, or as a risk value stored in other storage media for reading by other devices. The computing program module described in this creation is a preferred embodiment of the support vector machine, which is a numerical operation method, and the process mainly comprises two major stages: . '1. Learning phase: Bu using the core function ( Kernel Funtion) puts the classified reference information into a feature space. #2, find the hyperplane in the feature space, the hyperplane distinguishes the low-risk information of the high-risk information board from the super-level __, and the city hyperplane has the maximum distance for the high-risk information and the low-wind (four) news. This hyperplane has the best discrimination accuracy. 3. Use the secondary rule thief to get the best weight value, which represents the correlation between each reference data and the risk value. 2. Classification stage: The use of the weight value, the operation number, and the last resort letter calculate the risk value of the operational information, where the risk value is +1 or 4. 2. Judging from the risk value, the operational information is a high-risk or low-risk information. The above information projection system uses the core function to convert high-dimensional data, and the core function can be selected by the user from the following three functions first.
Gaussian(RBF) kernel ： k(xGaussian (RBF) kernel : k(x
V 7 (1) M377655 99. 1·底 * Polynomial kernel ： 也，勹)=(1+' ·χ) (2) Linear kernel ： k{Xi,Xj)=x]Xj (3) 透過上述二階段所揭示，該計算程式模組可實質包含下列數 學運算： / 2 / wia)=Σ α< - r Σ aiajyiyJ {^i, Xj)) /=1 z ij=l (4) 〇Sa,SC，/ = 1”··，/ (5) / Σα-^<=〇 i=I ⑹ w* =Σα'.少〆, /=1 ⑺ b* =yi ~w*T x. ⑻ ,. f 1 N 八x) = sign jyia:k(x )+b· Ul ) (9) 欠=其中 ，X M1’ U代表輸入的變數向量矩陣，/代表 :貝訊個數’兄代表輸出的變數向量矩陣，d代表資料的維度，〆Ά) —弋表核4函式轉換，or,代表拉氏乘數(La^mge Multiplier)，w· 表示最佳值，戌表風險值，公式⑼代表最佳決策函式。 。上述二大階段的進行係為相互獨立運作，於營運評估的領域 t可預先決定其顧值，使該分麵段_立運作成為可能，此 2學^階段可料—校正辦’透過增加本辦資料庫單元20 :§里即可大量提升本創彳情營運風險評估的準確度。 A，以上實施方式，本創作提供一種營運風險評估系統，< 十算機中執仃，於運算處理單元3〇中置入包含有支持向量機 8 0 的運π程序’以該運算程序對已分_參考資訊進行學習與分 析、~運斤程序對未分類的營運資訊進行奸估，藉此判斷該 筆營運資輯屬之#運單位是否具有高財務危機。㈣，本創作 中之分析2評估係可全部透過電腦運算完成，使本創作可快速完 成對營運單位的驗評估；此外，透過增加摘作中資料庫單元 20所含之資贿量，更可提高本鑛對驗評估的準確度，使本 創作可兼具快速與精特估的獅，實乃極具進步魏之證明。 【圖式簡單說明】 圖1係本創作之系統方塊圖。 圖2係本創作之使用示意圖。 【主要元件符號說明】 I :計算機 10 :輸入單元 II :輸入裝置 20 :資料庫單元 3〇 :運算處理單元 4〇 :輸出單元 41 :輸出裝置 5〇 :遠端裝置V 7 (1) M377655 99. 1·底* Polynomial kernel : Also, 勹)=(1+' ·χ) (2) Linear kernel : k{Xi,Xj)=x]Xj (3) Through the above two stages It is disclosed that the computing program module can substantially include the following mathematical operations: / 2 / wia) = Σ α < - r Σ aiajyiyJ {^i, Xj)) /=1 z ij=l (4) 〇Sa, SC, / = 1"··, / (5) / Σα-^<=〇i=I (6) w* =Σα'. Less than, /=1 (7) b* =yi ~w*T x. (8) ,. f 1 N 八 x) = sign jyia:k(x )+b· Ul ) (9) Under = where X M1' U represents the input variable vector matrix, / represents: the number of the number of the 'Bai Xun' output variable vector Matrix, d represents the dimension of the data, 〆Ά) — 弋 table kernel 4 function transformation, or, represents La^mge Multiplier, w· represents the best value, 风险 table risk value, formula (9) represents the most The decision-making function of the above two stages is to operate independently of each other. In the field of operational assessment, the value of the decision can be determined in advance, so that the operation of the sub-section can be made possible. The Correctional Office can greatly enhance the operating risk of the company through the addition of the database unit 20: § A. In the above embodiment, the present invention provides an operational risk assessment system, < The computing program evaluates and analyzes the classified information, and evaluates the unclassified operational information to determine whether the operating unit belongs to a high financial crisis. (4) The analysis in the creation 2 evaluation system can be completed through computer calculations, so that the creation can quickly complete the assessment of the operating organization; in addition, by increasing the amount of bribes contained in the database unit 20 of the abstract, the mine can be improved. The accuracy of the evaluation makes the creation of the lion with both fast and precise evaluation. It is a proof of the progress of Wei. [Simplified illustration] Figure 1 is the system block diagram of this creation. Schematic diagram of the use of creation. [Main component symbol description] I: Computer 10: Input unit II: Input device 20: Database unit 3: Operation processing unit 4: Output unit 41: Output device 5: Remote loading Set