WO2020006836A1 - 企业投资分析方法、装置、设备及计算机可读存储介质 - Google Patents
企业投资分析方法、装置、设备及计算机可读存储介质 Download PDFInfo
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- WO2020006836A1 WO2020006836A1 PCT/CN2018/102055 CN2018102055W WO2020006836A1 WO 2020006836 A1 WO2020006836 A1 WO 2020006836A1 CN 2018102055 W CN2018102055 W CN 2018102055W WO 2020006836 A1 WO2020006836 A1 WO 2020006836A1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Definitions
- the present application relates to the field of data analysis, and in particular, to a method, device, device, and computer-readable storage medium for enterprise investment analysis.
- Financial statements are important documents that reflect an enterprise's financial position, operating results and profit distribution, cash flow and its changes.
- Financial institutions or investment companies
- the financial statements are mainly Recording the company's financial data in digital form (such as assets and liabilities, profit and loss, cash flow, etc.), but can not reflect the company's financial status, making decision-makers unable to see unobserved off-balance sheet matters, discovering related financial problems, reducing the investment analysis Accuracy may also lead to misrecognition of credit and wrong decisions.
- the main purpose of this application is to provide an enterprise investment analysis method, device, equipment, and computer-readable storage medium, which aims to improve the accuracy of enterprise investment analysis.
- this application provides a method for analyzing investment in an enterprise.
- the method for analyzing investment in an enterprise includes the following steps:
- the financial characteristic information includes a bank account
- the financial characteristic information includes land real estate information
- the financial characteristic information includes an official seal of a company and a legal document
- the financial characteristic information includes shareholder information
- the complaint record in the shareholder information it is judged whether the number of shareholder complaints is greater than a preset threshold, so that the shareholder information is suspicious.
- the method further includes:
- the step of obtaining the financial statements and financial characteristic information of the target enterprise corresponding to the enterprise investment analysis instruction includes:
- an authorization certificate of the target enterprise corresponding to the enterprise investment analysis instruction is obtained, and the financial statements and financial characteristic information of the target enterprise are obtained according to the authorization certificate.
- the present application also provides an enterprise investment analysis device, where the enterprise investment analysis device includes:
- An instruction receiving module configured to obtain financial statements and financial characteristic information of a target enterprise corresponding to the enterprise investment analysis instruction when the enterprise investment analysis instruction is received;
- An information judgment module configured to analyze the financial characteristic information according to a preset analysis rule, and determine whether the financial characteristic information is suspicious
- a suggestion generating module is configured to obtain suspicious financial data corresponding to the financial characteristics in the financial statements if the financial characteristic information is suspicious, and generate corresponding enterprise investment suggestions based on the suspicious financial data.
- the present application also provides an enterprise investment analysis device.
- the enterprise investment analysis device includes a processor, a memory, and an enterprise investment analysis device stored on the memory and executable by the processor.
- a read instruction wherein when the enterprise investment analysis readable instruction is executed by the processor, the steps of the enterprise investment analysis method as described above are implemented.
- the present application also provides a computer-readable storage medium, where the computer-readable analysis instruction for enterprise investment analysis is stored, wherein the enterprise-investment analysis readable instruction is executed by a processor To implement the steps of the business investment analysis method described above.
- FIG. 1 is a schematic diagram of a hardware structure of an enterprise investment analysis device involved in a solution according to an embodiment of the present application
- FIG. 2 is a schematic flowchart of a first embodiment of an investment analysis method for an enterprise
- FIG. 3 is a schematic flowchart of a second embodiment of an enterprise investment analysis method of the present application.
- FIG. 4 is a functional module diagram of the first embodiment of the enterprise investment analysis device of the present application.
- the enterprise investment analysis method involved in the embodiment of the present application is mainly applied to an enterprise investment analysis device, and the application performance test device may be a personal computer (personal computer). computer (PC), portable computer, mobile terminal and other devices with data processing functions.
- PC personal computer
- portable computer portable computer
- mobile terminal mobile terminal
- FIG. 1 is a schematic diagram of a hardware structure of an enterprise investment analysis device involved in a solution according to an embodiment of the present application.
- the enterprise investment analysis device may include a processor 1001 (for example, a central processor Central Processing Unit (CPU), communication bus 1002, user interface 1003, network interface 1004, and memory 1005.
- the communication bus 1002 is used to implement connection and communication between these components.
- the user interface 1003 may include a display and an input unit such as a keyboard.
- the network interface 1004 may optionally include a standard wired interface and a wireless interface.
- the memory 1005 may be a high-speed random access memory (random access memory (RAM) or non-volatile memory memory), such as a disk memory, the memory 1005 may optionally be a storage device independent of the foregoing processor 1001.
- RAM random access memory
- non-volatile memory memory such as a disk memory
- the memory 1005 may optionally be a storage device independent of the foregoing processor 1001.
- the memory 1005 as a computer-readable storage medium in FIG. 1 may include an operating system, a network communication module, and an enterprise investment analysis readable instruction.
- the network communication module is mainly used to connect to a database and perform data interaction with the database; and the processor 1001 can call the enterprise investment analysis readable instructions stored in the memory 1005 and execute the enterprise investment analysis method provided in the embodiment of the present application. .
- the embodiment of the present application provides a method for analyzing enterprise investment.
- FIG. 2 is a schematic flowchart of a first embodiment of an enterprise investment analysis method of the present application.
- the enterprise investment analysis method includes the following steps:
- Step S10 When receiving the enterprise investment analysis instruction, obtain the financial statement and financial characteristic information of the target enterprise corresponding to the enterprise investment analysis instruction;
- Financial statements are important documents that reflect an enterprise's financial position, operating results and profit distribution, cash flow and its changes.
- Financial institutions or investment companies
- the financial statements are mainly Recording the company's financial data in digital form (such as assets and liabilities, profit and loss, cash flow, etc.), but can not reflect the company's financial status, making decision-makers unable to see unobserved off-balance sheet matters, discovering related financial problems, reducing the investment analysis Accuracy may also lead to misrecognition of credit and wrong decisions.
- a business investment analysis method is proposed in this embodiment. At the same time as performing financial analysis on the enterprise, it also pays attention to the financial characteristic information outside the financial statements of the enterprise, and analyzes it by combining financial data and financial characteristic status information. And give corresponding investment advice.
- the enterprise investment analysis in this embodiment is implemented by an enterprise investment analysis device.
- the enterprise investment analysis device is described using a PC as an example.
- analysts need to perform investment analysis on the target enterprise, they can operate on the PC to trigger the enterprise investment analysis instructions.
- the PC receives the investment analysis instruction of the enterprise, the PC will first obtain the financial statements of the target enterprise corresponding to the investment analysis instruction of the enterprise; at the same time as obtaining the financial statements, the PC will also obtain the financial characteristics of the target enterprise to obtain The dimension of the state performs financial analysis on the target company.
- the financial characteristic information includes the bank account of the target company, that is, the PC will obtain all the bank accounts under the name of the target company from the financial system of the target company; of course, it may also connect the PC and the banking system from the banking system. Query all bank account opening information, fund amount, status, etc. of the target company.
- the financial characteristic information may also include land real estate information.
- the PC can first obtain the relevant certificate information of the house land owned by the target company from the financial system of the target company, and query the target in the relevant real estate agency (or other land management system) according to the house land certificate information.
- Land and real estate information under the name of the enterprise, including the land real estate address, area, useful life, status, etc.
- the financial characteristic information can also include a sample of the company's official seal and legal documents (including external letters, reports, announcements, contracts, etc.); the sample of the company's official seal can be obtained from the financial system of the target company, and legal documents can be It is obtained from the target company's document management system.
- Financial characteristics information can also include shareholder information, and shareholder information can also include shareholder credit reports, shareholder complaints records, etc.
- the shareholder credit report can be a list of shareholders provided by the target company, and the PC based on the list of shareholders Obtained from national credit agencies or third-party credit agencies; and shareholders' records of complaints can be obtained from the court system.
- Authorization certificate which can be expressed by account password, etc., or authorization certificate, authorization key, etc .; when obtaining the authorization certificate, connect with various information management systems according to the authorization certificate and obtain corresponding information. Financial statements and financial characteristics information.
- Step S20 analyze the financial characteristic information according to a preset analysis rule to determine whether the financial characteristic information is suspicious
- the PC when the PC obtains the financial characteristic information of the target enterprise, the PC will analyze the financial characteristic information to determine whether the financial characteristic information is suspicious, so as to determine whether the financial statements of the target enterprise need special attention. It is worth noting that, because the obtained financial characteristic information is of many different types, when the PC performs the analysis, it needs to select corresponding preset analysis rules for analysis according to the different types of financial characteristic information.
- the PC will query the banking system to determine whether the bank account has been frozen; if the bank account under the name of the target company is frozen, the PC will need to determine that it is frozen And then determine whether the frozen asset amount is greater than the first preset amount; if the frozen asset amount is greater than the first preset amount, the bank account may be considered suspicious.
- the reason for the freezing can also be determined at the same time; for different freezing reasons, different first preset amounts can also be set.
- the number of bank accounts of the target enterprise can also be used for judgment. For example, when the number of bank accounts in the name of the target enterprise is greater than a preset number, the bank account may be considered suspicious.
- the PC will query the relevant real estate agency (or other land management system) for the land and real estate information in the name of the target company, including the land real estate address, area, service life, status, etc., and then determine whether these land and real estate are restricted.
- the preset formula will estimate the limit value corresponding to the restricted land and real estate, and determine whether the limit value is greater than the second preset value; if the limit value is greater than the second preset amount, then The property information on this land is considered suspicious.
- the status of land and real estate outside the financial statements can be known, which is helpful to analyze the asset deficiencies of the target company.
- Sample drawings of the company's official seal and legal documents can reflect the business norms of the target company.
- the PC can identify the official seal area from the legal document according to the format of the legal document, and intercept the official seal of the document in the official seal area, and then the official seal of the document and the official seal of the enterprise Compare the sample drawings to determine whether the two match. If the two do not match, the company's official seal information and legal documents are considered suspicious. Of course, if the PC fails to intercept the official seal of the document in a legal document, the legal document can be directly considered suspicious.
- an enterprise may use different official seals under different legal documents (such as a unit contract special seal, a financial special seal, and a foreign official seal, etc.), so it is necessary to compare according to the type of legal document when making comparisons.
- the official seal management system such as the public security system
- the official seal management system such as the public security system
- shareholder information may include shareholder complaint records, which can also reflect the credit status of shareholders, which also affects the credit of the target company.
- the PC can query the shareholder's complaint records from the court system and judge whether the number of shareholders' complaints is greater than a preset threshold based on the complaint records; Shareholders have repeatedly been involved in lawsuits, and the credit status of the target company may be affected accordingly. At this time, the shareholder information may be considered suspicious.
- the shareholder information may also include a credit report of the shareholder.
- the credit report includes the credit rating of the shareholder, and the PC may determine whether the credit rating is less than a preset trust rating. If the credit rating is less than a preset trust rating, The shareholder information can be considered suspicious.
- Step S30 if the financial characteristic information is suspicious, obtain suspicious financial data corresponding to the financial characteristic in the financial statement, and generate corresponding enterprise investment advice according to the suspicious financial data.
- the PC when the PC judges that the financial characteristic information is suspicious, it will obtain suspicious financial data corresponding to the suspicious characteristic information in the financial statements, and then generate corresponding corporate investment suggestions based on the suspicious financial data.
- the financial data corresponding to the bank account can be bank deposits
- the financial data corresponding to the land and real estate information can be real estate value items (or all asset items), sample drawings of corporate seals and legal documents
- the corresponding financial data can be the transaction funds associated with a certain contract or business activity.
- the financial data corresponding to the shareholder information can be the assets owned by the shareholder (that is, the shareholder's shareholding ratio multiplied by the total assets of the target company) Are other corresponding rules.
- the investment advice for the enterprise may be related to the amount involved in the suspicious financial data, that is, when the amount involved in the suspicious financial data is greater than a certain permitted ratio (or a certain value), the PC will give a suggestion to reject the investment; For example, for the target company's bank account, 3 million (RMB) in assets were frozen by creditors, while bank deposits in the financial statements recorded "5 million (RMB)", which is related to the suspicious characteristic information
- the corresponding suspicious financial data involves 3 million, accounting for 60%, which is greater than the permitted ratio of 20%.
- the financial statements of the target company will be considered to have serious whitewashing content, and the PC will give advice on rejecting investment.
- different levels of investment advice can also be given based on the amount of money involved in the suspicious financial data, such as refusing to invest, suggesting a wait and see, recommending a second review, recommending an investment, and so on.
- the financial statements and financial characteristic information of the target enterprise corresponding to the enterprise investment analysis instruction are obtained; the financial characteristic information is analyzed according to a preset analysis rule to determine Whether the financial characteristic information is suspicious; if the financial characteristic information is suspicious, obtain suspicious financial data corresponding to the financial characteristic in the financial statement, and generate corresponding corporate investment advice based on the suspicious financial data.
- the same attention is given to the financial characteristic information outside the enterprise's financial statements.
- Combining financial data and financial characteristic status information to conduct corporate financial analysis and investment decisions is beneficial to enterprise information. Transparency improves the accuracy of enterprise investment analysis and reduces the risk of enterprise investment decisions.
- FIG. 3 is a schematic flowchart of a second embodiment of an enterprise investment analysis method of the present application.
- step S20 the method further includes:
- Step S40 if the financial characteristic information is suspicious, obtain suspicious financial data corresponding to the financial characteristic in the financial statement, and generate a corresponding correction report according to the suspicious financial data and the financial statement.
- the PC when the PC judges that the financial characteristic information is suspicious, it can determine that there is “whitewashing” in the financial statements; for this purpose, for the convenience of the analyst, the PC will generate a corresponding correction report based on the suspicious situation. Specifically, the PC first obtains suspicious financial data corresponding to the suspicious characteristic information in the financial statements; among them, in the financial statements, the financial data corresponding to the bank account can be a bank deposit item, which corresponds to the land and real estate information.
- the financial data can be real estate value items (or all asset items), the financial data corresponding to the official seal of the enterprise and legal documents can be the transaction funds associated with a contract or business activity, and the financial data corresponding to shareholder information can be It is the asset owned by the shareholder (that is, the shareholder's shareholding ratio multiplied by the total assets of the target enterprise), of course, it can also be other corresponding rules.
- the PC When obtaining suspicious financial data, the PC will screen and filter the suspicious financial data in the financial statements to obtain trusted financial data, and generate a correction report based on these trusted financial data.
- the PC may not generate a new correction report, but directly generate corresponding annotation prompts (such as highlighting, marking frozen value, etc.) in the financial statements for the convenience of analysts to view.
- annotation prompts such as highlighting, marking frozen value, etc.
- the embodiment of the present application further provides an enterprise investment analysis device.
- FIG. 3 is a schematic diagram of functional modules of a first embodiment of an enterprise investment analysis device of the present application.
- the enterprise investment analysis device includes:
- the instruction receiving module 10 is configured to obtain a financial statement and financial characteristic information of a target enterprise corresponding to the enterprise investment analysis instruction when the enterprise investment analysis instruction is received;
- An information judging module 20 configured to analyze the financial characteristic information according to a preset analysis rule, and determine whether the financial characteristic information is suspicious;
- a suggestion generating module 30 is configured to obtain suspicious financial data corresponding to the financial characteristics in the financial statements if the financial characteristic information is suspicious, and generate corresponding enterprise investment suggestions based on the suspicious financial data.
- each virtual function module of the above-mentioned enterprise investment analysis device is stored in the memory 1005 of the enterprise investment analysis device shown in FIG. 1, and is used for functions of jointly performing financial analysis and investment decision of the enterprise by combining financial data and financial characteristic status information.
- the financial characteristic information includes a bank account
- the information judgment module 20 includes:
- a first determining unit is configured to query the amount of frozen assets in the bank account, and determine whether the amount of the frozen assets is greater than a first preset amount, thereby determining whether the bank account is suspicious.
- the financial characteristic information includes land real estate information
- the information judgment module 20 includes:
- a value calculation unit configured to determine the restricted land real estate of the target enterprise according to the land real estate information, and calculate the restricted value of the restricted land real estate according to a preset formula
- a second determining unit is configured to determine whether the land real estate information is suspicious according to whether the limit value is greater than a second preset amount.
- the financial characteristic information includes an official seal of a company and legal documents
- the information judgment module 20 includes:
- a third judgment unit is configured to compare the official seal of the document in the legal document with a sample drawing of the official seal of the enterprise, and determine whether the two match, so as to determine whether the information of the official seal and the legal document are suspicious.
- the financial characteristic information includes shareholder information
- the information judgment module 20 includes:
- a fourth judging unit is configured to judge whether the number of times the shareholder is involved in the complaint is greater than a preset threshold according to the complaint record in the shareholder information, so that the shareholder information is suspect.
- the enterprise investment analysis device further includes:
- a report generating module for obtaining suspicious financial data corresponding to the financial characteristics in the financial statements if the financial characteristic information is suspicious, and generating a corresponding correction report according to the suspicious financial data and the financial statements .
- the instruction receiving module 10 is further configured to obtain an authorization certificate of the target enterprise corresponding to the enterprise investment analysis instruction when receiving the enterprise investment analysis instruction, and obtain the target enterprise's authorization certificate according to the authorization certificate. Financial statements and financial characteristics information.
- each module in the above-mentioned enterprise investment analysis device corresponds to each step in the above-mentioned embodiment of the enterprise investment analysis method, and the functions and implementation processes thereof will not be described here one by one.
- an embodiment of the present application further provides a computer-readable storage medium, and the computer-readable storage medium may be a non-volatile readable storage medium.
- the computer-readable storage medium of the present application stores readable instructions for enterprise investment analysis, wherein when the readable instructions for enterprise investment analysis are executed by a processor, the steps of the enterprise investment analysis method described above are implemented.
- the methods in the above embodiments can be implemented by means of software plus a necessary universal hardware platform, and of course, also by hardware, but in many cases the former is better Implementation.
- the technical solution of the present application in essence, or a part that contributes to the existing technology, can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM) as described above. , Magnetic disk, optical disc), including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to execute the methods described in the embodiments of the present application.
- a terminal device which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.
Abstract
本申请提供一种企业投资分析方法，该方法包括：在接收到企业投资分析指令时，获取与所述企业投资分析指令对应的目标企业的财务报表和财务特征信息；根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑；若所述财务特征信息可疑，则在所述财务报表中获取与所述财务特征对应的可疑财务数据，并根据所述可疑财务数据生成对应的企业投资建议。本申请还提供一种企业投资分析装置、设备及计算机可读存储介质。本申请结合财务数据和财务特征状态信息共同进行企业财务分析和投资决策，有利于企业信息透明化，提高了企业投资分析的准确性，降低了企业投资决策的风险。
Description
本申请要求于2018年7月3日提交中国专利局、申请号为201810722600.7、发明名称为“企业投资分析方法、装置、设备及计算机可读存储介质”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本申请涉及数据分析领域，尤其涉及一种企业投资分析方法、装置、设备及计算机可读存储介质。
背景技术
财务报表是反映企业财务状况、经营成果和利润分配情况、现金流量及其变动情况的重要文件。金融机构（或投资公司）在对企业进行投资前，往往需要根据财务报表分析企业长/短期盈利、偿债能力、营收能力、现金流等情况，并做出投资决策；但是财务报表主要是以数字形式记载企业的财务数据（如资产负债、损益、现金流等），却无法反映企业财务状态，使得决策人员未能未看清的表外事项、发现相关财务问题，降低了投资分析的准确性，还可能导致资信误评和决策错误。
发明内容
本申请的主要目的在于提供一种企业投资分析方法、装置、设备及计算机可读存储介质，旨在提高企业投资分析的准确性。
为实现上述目的，本申请提供一种企业投资分析方法，所述企业投资分析方法包括以下步骤：
在接收到企业投资分析指令时，获取与所述企业投资分析指令对应的目标企业的财务报表和财务特征信息；
根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑；
若所述财务特征信息可疑，则在所述财务报表中获取与所述财务特征对应的可疑财务数据，并根据所述可疑财务数据生成对应的企业投资建议。
可选地，所述财务特征信息包括银行账户，
所述根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑的步骤包括：
查询所述银行账户中的冻结资产金额，并判断所述冻结资产金额是否大于第一预设金额，从而判断所述银行账户是否可疑。
可选地，所述财务特征信息包括土地房产信息，
所述根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑的步骤包括：
根据所述土地房产信息确定所述目标企业的限制土地房产，并根据预设公式计算所述限制土地房产的限制价值；
判断根据所述限制价值是否大于第二预设金额，从而判断所述土地房产信息是否可疑。
可选地，所述财务特征信息包括企业公章样图和法律文件，
所述根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑的步骤包括：
将所述法律文件中的文件公章与所述企业公章样图进行对比，判断两者是否匹配，从而判断所述企业公章信息和法律文件是否可疑。
可选地，所述财务特征信息包括股东信息，
所述根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑的步骤包括：
根据所述股东信息中的涉诉记录判断股东涉诉次数是否大于预设阈值，从而所述股东信息是否可疑。
可选地，所述根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑的步骤之后，还包括：
若所述财务特征信息可疑，则在所述财务报表中获取与所述财务特征对应的可疑财务数据，并根据所述可疑财务数据和所述财务报表生成对应的校正报表。
可选地，所述在接收到企业投资分析指令时，获取与所述企业投资分析指令对应的目标企业的财务报表和财务特征信息的步骤包括：
在接收到企业投资分析指令时，获取与所述企业投资分析指令对应的目标企业的授权证明，并根据所述授权证明获取所述目标企业的财务报表和财务特征信息。
此外，为实现上述目的，本申请还提供一种企业投资分析装置，所述企业投资分析装置包括：
指令接收模块，用于在接收到企业投资分析指令时，获取与所述企业投资分析指令对应的目标企业的财务报表和财务特征信息；
信息判断模块，用于根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑；
建议生成模块，用于若所述财务特征信息可疑，则在所述财务报表中获取与所述财务特征对应的可疑财务数据，并根据所述可疑财务数据生成对应的企业投资建议。
此外，为实现上述目的，本申请还提供一种企业投资分析设备，所述企业投资分析设备包括处理器、存储器、以及存储在所述存储器上并可被所述处理器执行的企业投资分析可读指令，其中所述企业投资分析可读指令被所述处理器执行时，实现如上述的企业投资分析方法的步骤。
此外，为实现上述目的，本申请还提供一种计算机可读存储介质，所述计算机可读存储介质上存储有企业投资分析可读指令，其中所述企业投资分析可读指令被处理器执行时，实现如上述的企业投资分析方法的步骤。
本申请在对企业进行财务分析同时，给予于企业财务报表之外的财务特征信息同样关注，结合财务数据和财务特征状态信息共同进行企业财务分析和投资决策，有利于企业信息透明化，提高了企业投资分析的准确性，降低了企业投资决策的风险。
附图说明
图1为本申请实施例方案中涉及的企业投资分析设备的硬件结构示意图；
图2为本申请企业投资分析方法第一实施例的流程示意图；
图3为本申请企业投资分析方法第二实施例的流程示意图；
图4为本申请企业投资分析装置第一实施例的功能模块示意图。
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本申请实施例涉及的企业投资分析方法主要应用于企业投资分析设备，该应用性能测试设备可以是个人计算机（personal
computer，PC）、便携计算机、移动终端等具有数据处理功能的设备。
参照图1，图1为本申请实施例方案中涉及的企业投资分析设备的硬件结构示意图。本申请实施例中，企业投资分析设备可以包括处理器1001（例如中央处理器Central
Processing
Unit，CPU），通信总线1002，用户接口1003，网络接口1004，存储器1005。其中，通信总线1002用于实现这些组件之间的连接通信；用户接口1003可以包括显示屏（Display）、输入单元比如键盘（Keyboard）；网络接口1004可选的可以包括标准的有线接口、无线接口（如无线保真WIreless-FIdelity，WI-FI接口）；存储器1005可以是高速随机存取存储器（random
access memory，RAM），也可以是稳定的存储器（non-volatile
memory），例如磁盘存储器，存储器1005可选的还可以是独立于前述处理器1001的存储装置。本领域技术人员可以理解，图1中示出的硬件结构并不构成对本申请的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
继续参照图1，图1中作为一种计算机可读存储介质的存储器1005可以包括操作系统、网络通信模块以及企业投资分析可读指令。在图1中，网络通信模块主要用于连接数据库，与数据库进行数据交互；而处理器1001可以调用存储器1005中存储的企业投资分析可读指令，并执行本申请实施例提供的企业投资分析方法。
本申请实施例提供了一种企业投资分析方法。
参照图2，图2为本申请企业投资分析方法第一实施例的流程示意图。
本实施例中，所述企业投资分析方法包括以下步骤：
步骤S10，在接收到企业投资分析指令时，获取与所述企业投资分析指令对应的目标企业的财务报表和财务特征信息；
财务报表是反映企业财务状况、经营成果和利润分配情况、现金流量及其变动情况的重要文件。金融机构（或投资公司）在对企业进行投资前，往往需要根据财务报表分析企业长/短期盈利、偿债能力、营收能力、现金流等情况，并做出投资决策；但是财务报表主要是以数字形式记载企业的财务数据（如资产负债、损益、现金流等），却无法反映企业财务状态，使得决策人员未能未看清的表外事项、发现相关财务问题，降低了投资分析的准确性，还可能导致资信误评和决策错误。对此，本实施例中提出了一种企业投资分析方法，在对企业进行财务分析同时，给予于企业财务报表之外的财务特征信息同样关注，结合财务数据和财务特征状态信息共同进行分析，并给出对应的投资建议。
本实施例中的企业投资分析是由企业投资分析设备实现的，该企业投资分析设备以PC为例进行说明。分析人员在需要对目标企业进行投资分析时，可在PC上进行操作，触发企业投资分析指令。PC在接收到该企业投资分析指令时，首先会获取与该企业投资分析指令对应的目标企业的财务报表；在获取财务报表的同时，PC还将会获取目标企业的财务特征信息，以从财务状态的维度对目标企业进行财务分析。
进一步的，财务特征信息包括有目标企业的银行账户，即PC会从目标企业的财务系统中获取到目标企业名下所有的银行账户；当然也可以是PC与银行系统进行连接，从银行系统中查询目标企业名下的所有银行账户开户信息、资金金额、状态等。
财务特征信息还可以包括有土地房产信息。对于土地房产信息，可以是PC从目标企业的财务系统中先获取目标企业所拥有的房屋土地的相关证件信息，并根据该房屋土地证件信息在相关不动产机构（或其它土地管理系统）中查询目标企业名下的土地房产信息，包括土地房产地址、面积、使用年限、状态等。
财务特征信息还可以包括有企业公章样图和法律文件（包括对外的信函、报告、公告、合同等）；对于该企业公章样图，可以是从目标企业的财务系统中获得，法律文件则可以是从目标企业的文件管理系统中获得。
财务特征信息还可以包括有股东信息，股东信息又可以包括股东的征信报告、股东的涉诉记录等；其中，股东的征信报告可以是由目标企业提供股东名单后，PC根据该股东名单从国家征信机构或第三方征信机构中获得；而股东的涉诉记录则可以是从法院系统中查询得到。
再进一步的，对于上述财务报表和财务特征信息，可能将会涉及到目标企业、以及相关人员（股东）的隐私，因此在获取这些财务特征信息前，往往需要先得到目标企业、以及相关人员的授权证明，该授权证明可以是以账户密码等方式表示，也可以是授权证书、授权密钥等方式；在获得该授权证明时，再根据该授权证明与各信息管理系统进行连接，并获取相应的财务报表和财务特征信息。
步骤S20，根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑；
本实施例中，PC在获取到目标企业的财务特征信息时，将会对财务特征信息进行分析，判断这些财务特征信息是否可疑，从而确定目标企业的财务报表是否有需要值得特别关注之处。值得说明的是，由于获取到的财务特征信息是多种不同类型的，因此PC在进行分析时，需要根据财务特征信息类型的不同，选用对应的预设分析规则进行分析。
具体的，对于目标企业名下的银行账户，PC将会查询银行系统，判断银行账户是否有存在被冻结的情形；若目标企业名下的银行账户存在被冻结的情况，PC将需要确定被冻结的资产金额，然后判断该冻结资产金额是否大于第一预设金额；若该冻结资产金额大于第一预设金额，则可认为该银行账户是可疑的。当然，在确定存在被冻结的金额时，还可以同时确定冻结的原因；而对于不同的冻结原因，也可以设置不同的第一预设金额。进一步的，对于该冻结资产金额，还可以是先与财务报表中的总资产进行比较，并计算得到银行冻结资产比（银行冻结资产比=冻结资产金额/财务报表中的总资产），然后判断该银行冻结资产比是否大于预设冻结比；若该银行冻结资产比大于预设冻结比，则认为该银行账户是可疑的。再进一步的，还可以是从目标企业的银行账户数量进行判断，例如目标企业名下的银行账户数量大于预设数量时，则可认为其银行账户是可疑的。在通过以上方式对目标企业的银行账户冻结情况进行查询和分析，可以获知到财务报表之外的银行资产状态，有利于分析出目标企业的资产缺陷情况。
对于土地房产信息，则可以是根据其土地房产的限制情况判断其是否可疑；该土地房产的限制情况包括土地房产抵押、土地房产被查封、土地房产被冻结等。具体的，PC将在相关不动产机构（或其它土地管理系统）中查询目标企业名下的土地房产信息，包括土地房产地址、面积、使用年限、状态等，然后判断这些土地房产是否有被限制的情况；若土地房产有被限制的情况，则将预设公式估算限制土地房产对应的限制价值，并判断该限制价值是否大于第二预设价值；若该限制价值大于第二预设金额，则认为该土地房产信息是可疑的。而用于估算限制价值的预设公式为
；其中 为限制价值； 为土地房产所在区域的单位面积均价； 为土地房产的面积； 为修正系数，该修正系数
可根据土地房产使用年限、装修、用途、限制原因等因素进行设置。进一步的，对于该限制价值，也可以是先与财务报表中的总资产进行比较，并计算得到土地房产限制价值比（土地房产限制资产比=限制价值/财务报表中的总资产），然后判断该土地房产限制价值比是否大于预设限制比；若该银行冻结资产比大于预设冻结比，则认为该银行账户是可疑的。在通过以上方式对目标企业的土地房产限制情况进行查询和分析，可以获知到财务报表之外的土地房产状态，有利于分析出目标企业的资产缺陷情况。
对于企业公章样图和法律文件（包括对外的信函、报告、公告、合同等），则可以反映目标企业的业务规范情况。具体的，PC在获取到企业公章样图和法律文件后，可以根据法律文件的格式从法律文件中识别到公章区域，并在该公章区域中截取文件公章图样，然后将该文件公章与企业公章样图进行对比，判断两者是否匹配；若两者不匹配，则认为企业公章信息和法律文件是可疑的。当然，若PC在某个法律文件中未能截取到文件公章图样，则可直接认为该法律文件是可疑的。值得说明的是，一个企业在不同法律文件下可能会使用不同的公章（如单位合同专用章、财务专用章和对外公章等），因此在进行对比时还需要根据法律文件的类型进行比对。当然在进行比对前，还可先将企业公章样图发送至公章管理系统（如公安系统），判断该公章信息是否真实，以及是否属于该目标企业等；当企业公章样图的真实性及所属均得到确认后在进行后续的比对。通过以上方式对目标企业的公章使用情况和法律文件情况进行和分析，可以获知目标企业的业务规范程度和内控情况，有利于分析出目标企业的制度缺陷情况。
对于股东信息，可以包括股东涉诉记录，该涉诉记录也可反应股东的信用情况，从而也影响了目标企业的信用。对此，PC获得股东名单后，可从法院系统中查询得到股东的涉诉记录，并根据涉诉记录判断股东涉诉次数是否大于预设阈值；若股东涉诉次数大于预设阈值，则说明股东多次涉及到诉讼案件中，目标企业的信用情况可能会受到相应的影响，此时可认为股东信息是可疑的。当然，在查询股东的涉诉记录时，还可疑区分涉诉类型，根据不同的涉诉类型进行不同的统计和分析处理。此外，股东信息还可以包括股东的征信报告，该征信报告中包括有股东的信用等级，PC可判断该信用等级是否小于预设可信等级；若该信用等级小于预设可信等级，则可认为该股东信息是可疑的。通过以上方式对目标企业的股东情况进行分析，可以从股东的维度出发获知目标企业的信用情况，有利于分析出目标企业的隐形资产。
值得说明的是，在实际分析时还可以根据投资分析的需要增加其它的财务特征信息，并采用合适的分析规则进行分析，以从多个维度对目标企业资产和业务状况进行全面评估，提高分析的准确性。
步骤S30，若所述财务特征信息可疑，则在所述财务报表中获取与所述财务特征对应的可疑财务数据，并根据所述可疑财务数据生成对应的企业投资建议。
本实施例中，PC在判断财务特征信息可疑时，将会在财务报表中获取与该可疑特征信息相对应的可疑财务数据，然后根据可疑财务数据生成对应的企业投资建议。其中，在财务报表中，与银行账户相对应的财务数据可以是银行存款项，与土地房产信息相对应的财务数据可以是不动产价值项（或所有资产项），与企业公章样图和法律文件相对应的财务数据可以是某笔合同或业务活动关联的往来资金，与股东信息相对应的财务数据可以是该股东拥有的资产（即股东持股比例乘以目标企业总资产），当然还可以是其它的对应规则。
进一步的，对于企业投资建议，可以是与可疑财务数据涉及的金额有关，即当可疑财务数据涉及的金额大于某一许可比例（或某一数值）时，PC将会给出拒绝投资的建议；例如，对于目标企业的银行账户中，有300万（人民币）的资产是被债权人冻结的；而在财务报表的银行存款项则记录有“500万（人民币）”，则与与该可疑特征信息相对应的可疑财务数据涉及金额有300万，占比为60%，大于许可比例20%，此时将认为目标企业的财务报表中具有严重粉饰的内容，PC将会给出拒绝投资的建议。当然，还可以是根据可疑财务数据涉及的金额范围，分别给出不同级别的投资建议，例如拒绝投资、建议观望、建议进行二次复审、建议投资等。
本实施例中，在接收到企业投资分析指令时，获取与所述企业投资分析指令对应的目标企业的财务报表和财务特征信息；根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑；若所述财务特征信息可疑，则在所述财务报表中获取与所述财务特征对应的可疑财务数据，并根据所述可疑财务数据生成对应的企业投资建议。通过以上方式，本实施例在对企业进行财务分析同时，给予于企业财务报表之外的财务特征信息同样关注，结合财务数据和财务特征状态信息共同进行企业财务分析和投资决策，有利于企业信息透明化，提高了企业投资分析的准确性，降低了企业投资决策的风险。
参照图3，图3为本申请企业投资分析方法第二实施例的流程示意图。
基于上述图2所示实施例，本实施例中，步骤S20之后，还包括：
步骤S40，若所述财务特征信息可疑，则在所述财务报表中获取与所述财务特征对应的可疑财务数据，并根据所述可疑财务数据和所述财务报表生成对应的校正报表。
本实施例中，PC在判断财务特征信息可疑时，即可确定财务报表中存在有“粉饰”的内容；对此，为了方便分析人员查看，PC将会根据可疑情况生成对应的校正报表。具体的，PC首先会在财务报表中获取与该可疑特征信息相对应的可疑财务数据；其中，在财务报表中，与银行账户相对应的财务数据可以是银行存款项，与土地房产信息相对应的财务数据可以是不动产价值项（或所有资产项），与企业公章样图和法律文件相对应的财务数据可以是某笔合同或业务活动关联的往来资金，与股东信息相对应的财务数据可以是该股东拥有的资产（即股东持股比例乘以目标企业总资产），当然还可以是其它的对应规则。在获取到可疑财务数据时，PC将会把财务报表中的可疑财务数据筛选和过滤，得到可信财务数据，并基于这些可信财务数据生成校正报表。例如，对于目标企业的银行账户中，有300万（人民币）的资产是被债权人冻结的；而在财务报表的银行存款项则记录有“500万（人民币）”；对此，PC将会生成新的校正报表，校正报表中的银行存款项则记录有“200万（人民币）”（即500万银行存款扣除300万的银行冻结资产）。
当然，在具体实施中，PC也可以不生成新的校正报表，而是直接在财务报表中生成相应的批注提示（例如突出显示、标注冻结价值等），以方便分析人员查看。
此外，本申请实施例还提供一种企业投资分析装置。
参照图3，图3为本申请企业投资分析装置第一实施例的功能模块示意图。
本实施例中，所述企业投资分析装置包括：
指令接收模块10，用于在接收到企业投资分析指令时，获取与所述企业投资分析指令对应的目标企业的财务报表和财务特征信息；
信息判断模块20，用于根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑；
建议生成模块30，用于若所述财务特征信息可疑，则在所述财务报表中获取与所述财务特征对应的可疑财务数据，并根据所述可疑财务数据生成对应的企业投资建议。
其中，上述企业投资分析装置的各虚拟功能模块存储于图1所示企业投资分析设备的存储器1005中，用于结合财务数据和财务特征状态信息共同进行企业财务分析和投资决策的功能。
进一步的，所述财务特征信息包括银行账户，所述信息判断模块20包括：
第一判断单元，用于查询所述银行账户中的冻结资产金额，并判断所述冻结资产金额是否大于第一预设金额，从而判断所述银行账户是否可疑。
进一步的，所述财务特征信息包括土地房产信息，所述信息判断模块20包括：
价值计算单元，用于根据所述土地房产信息确定所述目标企业的限制土地房产，并根据预设公式计算所述限制土地房产的限制价值；
第二判断单元，用于根据所述限制价值是否大于第二预设金额，从而判断所述土地房产信息是否可疑。
进一步的，所述财务特征信息包括企业公章样图和法律文件，所述信息判断模块20包括：
第三判断单元，用于将所述法律文件中的文件公章与所述企业公章样图进行对比，判断两者是否匹配，从而判断所述企业公章信息和法律文件是否可疑。
进一步的，所述财务特征信息包括股东信息，所述信息判断模块20包括：
第四判断单元，用于根据所述股东信息中的涉诉记录判断股东涉诉次数是否大于预设阈值，从而所述股东信息是否可疑。
进一步的，所述企业投资分析装置还包括：
报表生成模块，用于若所述财务特征信息可疑，则在所述财务报表中获取与所述财务特征对应的可疑财务数据，并根据所述可疑财务数据和所述财务报表生成对应的校正报表。
进一步的，所述指令接收模块10，还用于在接收到企业投资分析指令时，获取与所述企业投资分析指令对应的目标企业的授权证明，并根据所述授权证明获取所述目标企业的财务报表和财务特征信息。
其中，上述企业投资分析装置中各个模块的功能实现与上述企业投资分析方法实施例中各步骤相对应，其功能和实现过程在此处不再一一赘述。
此外，本申请实施例还提供一种计算机可读存储介质，所述计算机可读存储介质可以为非易失性可读存储介质。
本申请计算机可读存储介质上存储有企业投资分析可读指令，其中所述企业投资分析可读指令被处理器执行时，实现如上述的企业投资分析方法的步骤。
其中，企业投资分析可读指令被执行时所实现的方法可参照本申请企业投资分析方法的各个实施例，此处不再赘述。
需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者系统不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者系统所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者系统中还存在另外的相同要素。
上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在如上所述的一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，服务器，空调器，或者网络设备等)执行本申请各个实施例所述的方法。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。
Claims (20)
- 一种企业投资分析方法，其特征在于，所述企业投资分析方法包括以下步骤：在接收到企业投资分析指令时，获取与所述企业投资分析指令对应的目标企业的财务报表和财务特征信息；根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑；若所述财务特征信息可疑，则在所述财务报表中获取与所述财务特征对应的可疑财务数据，并根据所述可疑财务数据生成对应的企业投资建议。
- 如权利要求1所述的企业投资分析方法，其特征在于，所述财务特征信息包括银行账户，所述根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑的步骤包括：查询所述银行账户中的冻结资产金额，并判断所述冻结资产金额是否大于第一预设金额，从而判断所述银行账户是否可疑。
- 如权利要求1所述的企业投资分析方法，其特征在于，所述财务特征信息包括土地房产信息，所述根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑的步骤包括：根据所述土地房产信息确定所述目标企业的限制土地房产，并根据预设公式计算所述限制土地房产的限制价值；判断根据所述限制价值是否大于第二预设金额，从而判断所述土地房产信息是否可疑。
- 如权利要求1所述的企业投资分析方法，其特征在于，所述财务特征信息包括企业公章样图和法律文件，所述根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑的步骤包括：将所述法律文件中的文件公章与所述企业公章样图进行对比，判断两者是否匹配，从而判断所述企业公章信息和法律文件是否可疑。
- 如权利要求1所述的企业投资分析方法，其特征在于，所述财务特征信息包括股东信息，所述根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑的步骤包括：根据所述股东信息中的涉诉记录判断股东涉诉次数是否大于预设阈值，从而所述股东信息是否可疑。
- 如权利要求1所述的企业投资分析方法，其特征在于，所述根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑的步骤之后，还包括：若所述财务特征信息可疑，则在所述财务报表中获取与所述财务特征对应的可疑财务数据，并根据所述可疑财务数据和所述财务报表生成对应的校正报表。
- 如权利要求1所述的企业投资分析方法，其特征在于，所述在接收到企业投资分析指令时，获取与所述企业投资分析指令对应的目标企业的财务报表和财务特征信息的步骤包括：在接收到企业投资分析指令时，获取与所述企业投资分析指令对应的目标企业的授权证明，并根据所述授权证明获取所述目标企业的财务报表和财务特征信息。
- 一种企业投资分析装置，其特征在于，所述企业投资分析装置包括：指令接收模块，用于在接收到企业投资分析指令时，获取与所述企业投资分析指令对应的目标企业的财务报表和财务特征信息；信息判断模块，用于根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑；建议生成模块，用于若所述财务特征信息可疑，则在所述财务报表中获取与所述财务特征对应的可疑财务数据，并根据所述可疑财务数据生成对应的企业投资建议。
- 如权利要求8所述的企业投资分析装置，其特征在于，所述财务特征信息包括银行账户，所述信息判断模块包括：第一判断单元，用于查询所述银行账户中的冻结资产金额，并判断所述冻结资产金额是否大于第一预设金额，从而判断所述银行账户是否可疑。
- 如权利要求8所述的企业投资分析装置，其特征在于，所述财务特征信息包括土地房产信息，所述信息判断模块包括：价值计算单元，用于根据所述土地房产信息确定所述目标企业的限制土地房产，并根据预设公式计算所述限制土地房产的限制价值；第二判断单元，用于根据所述限制价值是否大于第二预设金额，从而判断所述土地房产信息是否可疑。
- 如权利要求8所述的企业投资分析装置，其特征在于，所述财务特征信息包括企业公章样图和法律文件，所述信息判断模块包括：第三判断单元，用于将所述法律文件中的文件公章与所述企业公章样图进行对比，判断两者是否匹配，从而判断所述企业公章信息和法律文件是否可疑。
- 如权利要求8所述的企业投资分析装置，其特征在于，所述财务特征信息包括股东信息，所述信息判断模块包括：第四判断单元，用于根据所述股东信息中的涉诉记录判断股东涉诉次数是否大于预设阈值，从而判断所述股东信息是否可疑。
- 一种企业投资分析设备，其特征在于，所述企业投资分析设备包括处理器、存储器、以及存储在所述存储器上并可被所述处理器执行的企业投资分析可读指令，其中所述企业投资分析可读指令被所述处理器执行时，实现以下步骤：在接收到企业投资分析指令时，获取与所述企业投资分析指令对应的目标企业的财务报表和财务特征信息；根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑；若所述财务特征信息可疑，则在所述财务报表中获取与所述财务特征对应的可疑财务数据，并根据所述可疑财务数据生成对应的企业投资建议。
- 如权利要求13所述的企业投资分析设备，其特征在于，所述财务特征信息包括银行账户，所述根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑的步骤包括：查询所述银行账户中的冻结资产金额，并判断所述冻结资产金额是否大于第一预设金额，从而判断所述银行账户是否可疑。
- 如权利要求13所述的企业投资分析设备，其特征在于，所述财务特征信息包括土地房产信息，所述根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑的步骤包括：根据所述土地房产信息确定所述目标企业的限制土地房产，并根据预设公式计算所述限制土地房产的限制价值；判断根据所述限制价值是否大于第二预设金额，从而判断所述土地房产信息是否可疑。
- 如权利要求13所述的企业投资分析设备，其特征在于，所述财务特征信息包括企业公章样图和法律文件，所述根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑的步骤包括：将所述法律文件中的文件公章与所述企业公章样图进行对比，判断两者是否匹配，从而判断所述企业公章信息和法律文件是否可疑。
- 如权利要求13所述的企业投资分析设备，其特征在于，所述财务特征信息包括股东信息，所述根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑的步骤包括：根据所述股东信息中的涉诉记录判断股东涉诉次数是否大于预设阈值，从而所述股东信息是否可疑。
- 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有企业投资分析可读指令，其中所述企业投资分析可读指令被处理器执行时，实现如下步骤：在接收到企业投资分析指令时，获取与所述企业投资分析指令对应的目标企业的财务报表和财务特征信息；根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑；若所述财务特征信息可疑，则在所述财务报表中获取与所述财务特征对应的可疑财务数据，并根据所述可疑财务数据生成对应的企业投资建议。
- 如权利要求18的计算机可读存储介质，其特征在于，所述所述财务特征信息包括银行账户，所述根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑的步骤包括：查询所述银行账户中的冻结资产金额，并判断所述冻结资产金额是否大于第一预设金额，从而判断所述银行账户是否可疑。
- 如权利要求18的计算机可读存储介质，其特征在于，所述财务特征信息包括土地房产信息，所述根据预设分析规则对所述财务特征信息进行分析，判断所述财务特征信息是否可疑的步骤包括：根据所述土地房产信息确定所述目标企业的限制土地房产，并根据预设公式计算所述限制土地房产的限制价值；判断根据所述限制价值是否大于第二预设金额，从而判断所述土地房产信息是否可疑。
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