Financial risk early warning analysis method and device

Abstract

The invention provides a financial risk early warning analysis method and device. The method comprises steps of obtaining original financial statement data of an asset debt table, a profit table and acash flow table inputted by an enterprise; based on the original financial statement data of the asset debt table, the profit table and the cash flow table of the enterprise, calculating financial indexes according to a pre-configured index calculation rule; according to the financial indexes and the financial data of the industry, risk early warning calculation being carried out on the finance of the enterprise, and a risk early warning signal and risk early warning text description being generated; and displaying the financial indexes, the risk early warning signals and the risk early warning text description information through a risk early warning report. The device comprises an original financial statement data acquisition module, a financial index calculation module, a risk early warning signal and text description calculation module and a risk early warning report display module.

Description

technical field [0001] The invention relates to the field of computer application technology and financial analysis, in particular to the field of automatic early warning and analysis of enterprise financial risks. Background technique [0002] As a risk management tool to identify financial crises and provide early warning signals for corporate investors, creditors and managers, financial early warning plays an important role in investment and risk management. [0003] At present, the main analytical methods in the industry include qualitative and quantitative methods. Among them, qualitative analysis methods include standardized survey method, four-stage symptom analysis method, capital turnover table analysis method, management scoring method and other methods. Analysis and evaluation, it is difficult to quantify the financial risk of the enterprise. Quantitative analysis methods include univariate analysis methods, multiple linear discriminant models, Logistic regressi...

AI Technical Summary

Problems solved by technology

Among them, qualitative analysis methods include standardized survey method, four-stage symptom analysis method, capital turnover table analysis method, management scoring method and other methods. Analysis and evaluation, it is difficult to quantify the financial risk of the enterprise

Quantitative analysis methods include univariate analysis methods, multiple linear discriminant models, Logistic regression models, Probit financial crisis early warning models, neural network analysis models and other models. Quantitative analysis methods analyze financial data and extract financial indicators to analyze and construct The early warning scoring model conducts early warning analysis of financial risks. This type of model lacks the logic of financial analysis and cannot intuitively grasp the financial risk points existing in the enterprise

The current financial risk early warning mainly analyzes the threshold set for a single indicator, and outputs a risk early warning signal, which cannot capture the linkage relationship between individual financial indicators

[0004] Aiming at the shortcomings of the single-indicator risk threshold early warning method or statistical method in the prior art, the present invention proposes a financial risk early warning analysis device and method, which can automatically conduct multi-dimensional cross-analysis on the financial risk of the enterprise, and use the financial indicators to The linkage logic between them can discover the risk anomalies in the process of corporate financial development, build a multi-dimensional risk early warning indicator system, build automatic financial risk cross-analysis rules, and implement automatic early warning devices and methods for financial risks

Images