Method for analyzing operation conditions of small and medium-sized enterprises

Abstract

The present invention discloses a method for analyzing operation conditions of small and medium-sized enterprises, characterized by acquiring enterprise operation data and industry information for analysis, extracting enterprise data, and performing calculation according to a preset model to obtain an assessment result. The method concretely comprises the following steps: S1, acquiring enterprise operation data and industry information, and transmitting the enterprise operation data and the industry information to a preset data mirroring area for storage, wherein the enterprise operation data comprises ERP system data, HR system data and financial system data of the enterprise; S2, processing the enterprise operation data in combination with the industry information, extracting credible operation data and storing the credible operation data to a preset data warehouse area; and S3, extracting the credible operation data of the data warehouse area for performing model calculation according to a preset data model, so as to obtain an assessment result. By combining the enterprise operation data with the industry information to analyze the operation condition of the enterprise, the method of present invention can perform more comprehensive and more accurate assessment for the operation condition of the enterprise.

Description

technical field [0001] The invention relates to the technical field of enterprise risk assessment, in particular to a method for analyzing the operating conditions of small and medium-sized enterprises. Background technique [0002] At present, the widely used enterprise risk assessment software uses the enterprise's financial statements as the basic data for evaluation. Based on these credible financial basic data, the enterprise's operating conditions are calculated through the risk control model. [0003] Many small and medium-sized enterprises in China have difficulty in financing and must obtain financing through mortgages and pledges. It is very necessary to establish a series of early warning software for small and medium-sized enterprises to assist financial institutions in making credit decisions and credit risk management for small and medium-sized enterprises. The traditional corporate credit risk research mainly takes credible corporate financial data as the eva...

AI Technical Summary

Problems solved by technology

The traditional corporate credit risk research mainly takes credible corporate financial data as the evaluation standard. However, due to the low quality of financial statement information of small and medium-sized enterprises, the credit risk of small and medium-sized enterprises is highly influenced by the person in charge of the enterprise, and the credibility of financial statement information is extremely high. Low, there are often inconsistencies between internal and external accounts

Therefore, when the traditional enterprise risk prediction model is applied to small and medium-sized enterprises, there will inevitably be structural errors, resulting in a reduction in the prediction ability, which will inevitably affect the bank's credit test and increase the credit risk of the bank.

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