RBF-based income sharing financing management system

Abstract

The invention relates to the field of financing information management based on reward, and discloses an RBF (Return-Based Finishing)-based income sharing financing management system, which processes collected enterprise historical operation data and financial data, extracts key feature parameters from the data, and divides the enterprise profit level into low, medium and high profit levels according to the net profit rate of an enterprise, so that the enterprise profit level is divided into the low, medium and high profit levels, and the enterprise profit level is divided into the low, medium and high profit levels according to the net profit rate of the enterprise. Whether the income has an unstable risk or not is monitored and judged in real time by carrying out volatility analysis on key characteristic parameters, a profit set is generated by screening out profit keywords, a risk set is generated by screening out risk keywords, the profit set is matched with the risk set, and the income risk level is obtained. A risk matrix is constructed based on the profit grade set and the income risk level to calculate a risk bearing capability evaluation coefficient, the overall income risk bearing capability of the enterprise is evaluated, and then the financing condition and the income sharing proportion are correspondingly adjusted and fed back according to the income risk bearing capability evaluation result.

Description

Technical Field

[0001] The present invention relates to the technical field of return-based financing information management, and more specifically to a financing management system based on RBF income sharing. Background Art

[0002] With the intensification of market competition, enterprises need to manage revenue sharing and financing activities more meticulously to reduce risks and improve competitiveness. As the RBF (Return-Based Financing) financing model becomes more popular, the demand for financing management systems is becoming increasingly urgent. Therefore, the revenue sharing financing management system has emerged. By using big data analysis and risk assessment models, a comprehensive risk assessment of financing projects is conducted, including market risk and credit risk. According to the risk assessment results, an early warning mechanism is provided to timely discover potential risks and take corresponding measures to prevent and control them.

[0003] However, the above process still has the following disadvantages:

[0004] First, the existing revenue-sharing financing management system lacks comprehensive assessment of the business conditions and risk levels of enterprises from multiple aspects, resulting in errors in the risk judgment of unstable revenue and an inability to accurately assess profit risks;

[0005] Second, the existing revenue-sharing financing management system cannot comprehensively cover multiple aspects of the business operation process to conduct a comprehensive assessment of profit risks. At the same time, it lacks real-time and flexible analysis of revenue risk tolerance. Summary of the invention

[0006] In order to overcome the above-mentioned defects of the prior art, the present invention provides a financing management system based on RBF revenue sharing to solve the problems existing in the above-mentioned background technology.

[0007] The present invention provides the following technical solution: a financing management system based on RBF income sharing, comprising:

[0008] Based on RBF income sharing financing management system, the characteristics include:

[0009] Data collection module: collects historical and real-time business data and financial data of enterprises, including unit investment amount, sales growth rate, unit investment payback period, and financial data including net profit margin, gross profit margin, and operating income, and imports the collected historical business data and financial data into the database;

[0010] Feature extraction module: Process the business data and financial data imported into the database, and extract key feature parameters from the business data and financial data, including average return on investment, average sales growth rate, average net profit growth rate, average gross profit margin change rate, average operating income, and average unit investment payback period, and transmit the key feature parameters extracted from the business data and financial data to the risk identification module;

[0011] Profit classification module: divides the enterprise profit level into low, medium and high profit levels according to the enterprise's net profit margin, and generates a profit level set;

[0012] Risk identification module: By performing volatility analysis on key characteristic parameters, the risk identification coefficient is obtained. The risk identification coefficient is used to monitor and determine whether there is an unstable risk in the income. If it is determined that there is an unstable risk in the income, the unstable risk result is transmitted to the profit risk matching module;

[0013] Profit-risk matching module: generates profit sets by screening profit keywords, generates risk sets by screening risk keywords, matches profit sets with risk sets, obtains income risk levels, and transmits income risk levels to risk tolerance assessment modules;

[0014] Risk tolerance assessment module: By constructing a risk matrix based on the profit level set and the income risk level, the risk tolerance assessment coefficient is calculated, and the overall income risk tolerance of the enterprise is assessed through the risk tolerance assessment coefficient, and the income risk tolerance assessment result is transmitted to the adjustment feedback module;

[0015] Dynamic adjustment feedback module: Make dynamic adjustments and feedback to financing conditions and income sharing ratios based on the results of income risk tolerance assessment.

[0016] Preferably, the data acquisition module automatically acquires financial data through the company's financial statements, automatically acquires the company's historical operating data through sales records in the company's sales management system, and creates operating data tables and financial data tables in the database respectively, and automatically stores the acquired company's historical and real-time operating data and financial data in corresponding data tables.

[0017] Preferably, the feature extraction module processes the historical and real-time business data and financial data of the enterprise through data cleaning, data standardization and data integration, and extracts key feature parameters from the calculated business data and financial data, including: average return on investment, average sales growth rate, average net profit growth rate, average gross profit rate of change, average operating income and average unit investment payback period, respectively. and and and The expression is as follows:

[0018]

[0019] Among them, q i represents the net profit of period i, p i represents the unit investment amount in period i, n represents the total number of periods collected; d i represents the sales growth rate in period i; m i represents the net profit margin of the i-th period; h i represents the gross profit margin in period i, h i-1 represents the gross profit margin of period i-1; x i represents the operating income of the i-th period; c i It represents the payback period of unit investment in period i.

[0020] Preferably, the profit classification module classifies the enterprise's profit level into profit grades according to the net profit margin, and classifies them into low profit grade, medium profit grade and high profit grade respectively. The net profit margin of each unit investment payback period of the enterprise is calculated through the enterprise's financial statements, and the net profit margin of each unit investment payback period of the enterprise is compared with the established profit grade classification standard to determine the profit grade to which the net profit margin of each unit investment payback period belongs. Then, all the unit investment payback period profit grades of the enterprise are aggregated to generate a profit grade set. The generated profit grade set is W = {w1, w2, w3}.

[0021] Preferably, the risk identification module analyzes and calculates the risk identification coefficient through the extracted key characteristic parameters, and the formula for calculating the risk identification coefficient is as follows:

[0022]

[0023] Among them, R i represents the return on investment in period i, represents the average return on investment, S i represents the sales growth rate in period i, represents the average sales growth rate, I i represents the net profit growth rate of period i, represents the average net profit growth rate, U i represents the rate of change of gross profit margin in period i, represents the average gross profit margin change rate, Y i represents the operating income of the i-th period, represents the average operating income, T i represents the payback period of unit investment in period i, It represents the average unit investment payback period, α1, α2, α3, α4, α5, α6 are weight coefficients, and the specific values ​​can be set according to the fluctuation of the company's historical income;

[0024] Compare the risk identification coefficient Z with the preset risk threshold z. When the risk identification coefficient Z ≤ the preset risk threshold z, it indicates that the fluctuation of income is stable, and it is determined that there is no unstable risk of income. The unstable risk of income continues to be monitored. When the risk identification coefficient Z > the preset risk threshold z, it indicates that the fluctuation of income is unstable, and it is determined that there is an unstable risk of income. The judgment result at this time is immediately transmitted to the profit risk matching module.

[0025] Preferably, the profit keywords screened by the profit risk matching module include net profit margin, gross profit margin, operating income and sales growth rate, and the generated profit set is: A = {a1, a2, a3, ..., a j}, the risk keywords screened out include market risk, credit risk, liquidity risk, legal risk and interest rate risk, and the generated risk set is: B = {b1, b2, b3, ..., b k}, match the profit set A with the risk set B, and the formula for calculating the income risk level is as follows:

[0026]

[0027] Among them, r jk =a j ×b k , j represents the jth profit keyword, and k represents the kth risk keyword.

[0028] Preferably, the risk tolerance assessment module uses the profit level set W and the income risk level Q as two dimensions to perform cross analysis, and the formula for calculating the risk tolerance assessment coefficient is as follows:

[0029]

[0030] Among them, v 3J =w3×r jk ;

[0031] Compare the risk tolerance assessment coefficient L with the risk tolerance threshold l. If the risk tolerance assessment coefficient L ≥ risk tolerance threshold l, it indicates that the company's income risk tolerance is strong and there is no need to adjust the financing conditions and income sharing ratio. If the risk tolerance assessment coefficient L < risk tolerance threshold l, it indicates that the company's income risk tolerance is weak and it is necessary to adjust the financing conditions and income sharing ratio, and transmit the adjustment instructions to the adjustment feedback module.

[0032] Preferably, when receiving the adjustment instruction, the adjustment feedback module performs adjustment operations on the financing conditions and the income sharing ratio, and generates risk tolerance assessment prompt information based on the income risk tolerance assessment result and feeds it back to the user end.

[0033] Technical effects and advantages of the present invention:

[0034] The present invention processes the collected historical and real-time business data and financial data of the enterprise, extracts key characteristic parameters from the business data and financial data of the enterprise, divides the profit level of the enterprise into low, medium and high profit levels according to the net profit margin of the enterprise, and generates a profit level set, performs volatility analysis on the key characteristic dynamic parameters to monitor and judge in real time whether there is an unstable risk of income, generates a profit set by screening out profit keywords, and generates a risk set by screening out risk keywords, matches the profit set with the risk set to obtain the income risk level, constructs a risk matrix by the profit level set and the income risk level, calculates the risk tolerance assessment coefficient, and evaluates the overall income risk of the enterprise. The ability to bear income risks is assessed, and then the financing conditions and income sharing ratio are dynamically adjusted and feedback is given accordingly based on the results of the income risk tolerance assessment. By integrating the company's historical and real-time operating data and financial data, the company's operating conditions and risk levels can be more comprehensively assessed, and the risk of income instability can be detected in a timely manner, thereby accurately assessing profit risks. By constructing a risk matrix, the profit level and income risk level are quantitatively matched, which can comprehensively cover multiple aspects of the company's operations to conduct a comprehensive assessment of profit risks, which is conducive to real-time updating of assessment results and flexible adjustment of management strategies to cope with different risk levels, thereby improving the income risk tolerance and the accuracy of profit risk assessment. BRIEF DESCRIPTION OF THE DRAWINGS

[0035] Figure 1 This is a flow chart of the RBF income sharing financing management system of the present invention. DETAILED DESCRIPTION

[0036] The technical solution of the present invention will be clearly and completely described below in conjunction with the drawings in the present invention. In addition, the forms of the various structures recorded in the following implementation modes are only examples. The RBF income sharing financing management system involved in the present invention is not limited to the various structures recorded in the following implementation modes. All other implementation modes obtained by ordinary technicians in this field without making creative work belong to the scope of protection of the present invention.

[0037] The present invention provides a financing management system based on RBF income sharing, including:

[0038] Data collection module: collects historical and real-time business data and financial data of enterprises, including business data of unit investment amount, sales growth rate, and unit investment payback period; financial data of enterprise include net profit margin, gross profit margin, and operating income, and imports the collected business data and financial data into the database.

[0039] In this embodiment, the data acquisition module automatically acquires financial data through the company's financial statements, automatically acquires the company's historical operating data through the sales records in the company's sales management system, and creates operating data tables and financial data tables in the database respectively, and automatically stores the collected historical and real-time operating data and financial data in the corresponding data tables.

[0040] Feature extraction module: Process the business operation data and financial data imported into the database, and extract key feature parameters from the business operation data and financial data, including average return on investment, average sales growth rate, average net profit growth rate, average gross profit margin change rate, average operating income and average unit investment payback period, and transmit the key feature parameters extracted from the business operation data and financial data to the risk identification module.

[0041] In this embodiment, the feature extraction module processes the historical and real-time business data and financial data of the enterprise through data cleaning, data standardization and data integration, and extracts key feature parameters from the calculated business data and financial data, including: average return on investment, average sales growth rate, average net profit growth rate, average gross profit rate of change, average operating income and average unit investment payback period, respectively. and and and The expression is as follows:

[0042]

[0043] Among them, q i represents the net profit of period i, p i represents the unit investment amount in period i, n represents the total number of periods collected; d i represents the sales growth rate in period i; m i represents the net profit margin of the i-th period; h i represents the gross profit margin in period i, h i-1 represents the gross profit margin of period i-1; x i represents the operating income of the i-th period; c i It represents the payback period of unit investment in period i.

[0044] Profit classification module: According to the net profit margin of the enterprise, the enterprise profit level is divided into low, medium and high profit levels, and a profit level set is generated.

[0045] In this embodiment, the profit classification module classifies the enterprise's profit level into profit grades according to the net profit margin, and classifies them into low profit grade, medium profit grade, and high profit grade respectively. The net profit margin of each unit investment payback period of the enterprise is calculated through the enterprise's financial statements, and the net profit margin of each unit investment payback period of the enterprise is compared with the established profit grade classification standard to determine the profit grade to which the net profit margin of each unit investment payback period belongs. Then, all the unit investment payback period profit grades of the enterprise are summarized to generate a profit grade set. The generated profit grade set is W = {w1, w2, w3}.

[0046] It should be noted that the specific scope and standards for profit classification are as follows:

[0047] a. Low profit level: Net profit margins below 30% of the industry average are classified as low profit;

[0048] b. Medium profit level: Net profit margins between 30% and 70% of the industry average are classified as medium profit;

[0049] c. High Profit Grade: The net profit margin is 70% higher than the industry average.

[0050] Risk identification module: By performing volatility analysis on key characteristic parameters, the risk identification coefficient is obtained. The risk identification coefficient is used to monitor and determine whether there is an unstable risk in the income. If it is determined that there is an unstable risk in the income, the determined unstable risk result will be transmitted to the profit risk matching module.

[0051] In this embodiment, the risk identification module analyzes and calculates the risk identification coefficient through the extracted key characteristic parameters. The formula for calculating the risk identification coefficient is as follows:

[0052]

[0053] Among them, R i represents the return on investment in period i, represents the average return on investment, S i represents the sales growth rate in period i, represents the average sales growth rate, I i represents the net profit growth rate of period i, represents the average net profit growth rate, U i represents the rate of change of gross profit margin in period i, represents the average gross profit margin change rate, Y irepresents the operating income of the i-th period, represents the average operating income, T i represents the payback period of unit investment in the i-th period, T represents the average payback period of unit investment, α1, α2, α3, α4, α5, α6 are weight coefficients, and the specific values ​​can be set according to the fluctuation of the company's historical income;

[0054] Compare the risk identification coefficient Z with the preset risk threshold z. When the risk identification coefficient Z ≤ the preset risk threshold z, it indicates that the fluctuation of income is stable, and it is determined that there is no unstable risk of income. The unstable risk of income continues to be monitored. When the risk identification coefficient Z > the preset risk threshold z, it indicates that the fluctuation of income is unstable, and it is determined that there is an unstable risk of income. The judgment result at this time is immediately transmitted to the profit risk matching module.

[0055] Profit-risk matching module: Generate profit set by screening profit keywords, generate risk set by screening risk keywords, match the profit set with the risk set to obtain the income risk level, and transmit the income risk level to the risk tolerance assessment module.

[0056] In this embodiment, the profit keywords screened by the profit risk matching module include net profit margin, gross profit margin, operating income and sales growth rate, and the generated profit set is: A = {a1, a2, a3, ..., a j}, the risk keywords screened out include market risk, credit risk, liquidity risk, legal risk and interest rate risk, and the generated risk set is: B = {b1, b2, b3, ..., b k}, match the profit set A with the risk set B, and the formula for calculating the income risk level is as follows:

[0057]

[0058] Among them, r jk =a j ×b k , j represents the jth profit keyword, and k represents the kth risk keyword.

[0059] Risk tolerance assessment module: construct a risk matrix by combining the profit level set and the income risk level, calculate the risk tolerance assessment coefficient, evaluate the company's overall income risk tolerance through the risk tolerance assessment coefficient, and transmit the income risk tolerance assessment results to the adjustment feedback module.

[0060] In this embodiment, the risk tolerance assessment module uses the profit level set W and the income risk level Q as two dimensions to perform cross analysis, and the formula for calculating the risk tolerance assessment coefficient is as follows:

[0061]

[0062] Among them, v 3J =w3×r jk ;

[0063] Compare the risk tolerance assessment coefficient L with the risk tolerance threshold l. If the risk tolerance assessment coefficient L ≥ risk tolerance threshold l, it indicates that the company's income risk tolerance is strong and there is no need to adjust the financing conditions and income sharing ratio. If the risk tolerance assessment coefficient L < risk tolerance threshold l, it indicates that the company's income risk tolerance is weak and it is necessary to adjust the financing conditions and income sharing ratio, and transmit the adjustment instructions to the adjustment feedback module.

[0064] It should be specifically explained that each cell of the risk matrix constructed by combining profit grade sets and income risk levels represents a specific profit and risk combination, and the enterprise is divided into different risk areas according to different combinations of profit grades and income risk levels.

[0065] Adjustment and feedback module: Make corresponding adjustments and feedback on financing conditions and income sharing ratios based on the results of the income risk tolerance assessment.

[0066] In this embodiment, when the adjustment feedback module receives the adjustment instruction, it performs the adjustment operation on the financing conditions and the income sharing ratio, and generates risk tolerance assessment prompt information based on the income risk tolerance assessment result and feeds it back to the user end.

[0067] It should be noted that the specific implementation process of adjusting the financing conditions and the income sharing ratio includes:

[0068] a. Formulate adjustment strategies: set specific financing conditions and revenue sharing ratio adjustment targets based on the revenue risk tolerance assessment results and the company's revenue targets;

[0069] b. Make adjustments based on the specific financing conditions. The adjustment process includes: renegotiating the financing conditions with creditors or investors, including interest rates, terms and repayment plans, and then modifying the financing contract based on the negotiation results to ensure that the terms are fair and legal to both parties, and conducting legal review to ensure that the adjusted financing conditions comply with laws and regulations;

[0070] c. Make adjustments based on the set revenue sharing ratio. The adjustment process includes: formally implementing the new financing conditions and revenue sharing ratio, notifying all relevant departments and employees of the adjustments to ensure that all employees understand and comply with the new regulations, and informing customers, suppliers and other external stakeholders of the adjustments;

[0071] d. Continuously evaluate the income risk tolerance, monitor in real time whether the adjustment achieves the expected effect based on the evaluation results of the income risk tolerance, ensure that the new financing conditions and profit-sharing ratio do not lead to unacceptable risk levels, and make further adjustments and optimizations to the financing conditions and profit-sharing ratio based on the monitoring results;

[0072] e. Record all key decisions and changes during the adjustment process and report regularly to management and the board of directors on the adjusted financial position and risk tolerance.

[0073] Finally: The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the protection scope of the present invention.

[0074] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

Claims

1. Based on RBF income sharing financing management system, it is characterized by: include: Data collection module: collects historical and real-time business data and financial data of enterprises, including unit investment amount, sales growth rate, unit investment payback period, and financial data including net profit margin, gross profit margin, and operating income, and imports the collected historical business data and financial data into the database; Feature extraction module: Process the business data and financial data imported into the database, and extract key feature parameters from the business data and financial data, including average return on investment, average sales growth rate, average net profit growth rate, average gross profit margin change rate, average operating income, and average unit investment payback period, and transmit the key feature parameters extracted from the business data and financial data to the risk identification module; Profit classification module: divides the enterprise profit level into low, medium and high profit levels according to the enterprise's net profit margin, and generates a profit level set; Risk identification module: By performing volatility analysis on key characteristic parameters, the risk identification coefficient is obtained. The risk identification coefficient is used to monitor and determine whether there is an unstable risk in the income. If it is determined that there is an unstable risk in the income, the unstable risk result is transmitted to the profit risk matching module; Profit-risk matching module: generates profit sets by screening profit keywords, generates risk sets by screening risk keywords, matches profit sets with risk sets, obtains income risk levels, and transmits income risk levels to risk tolerance assessment modules; Risk tolerance assessment module: By constructing a risk matrix based on the profit level set and the income risk level, the risk tolerance assessment coefficient is calculated, and the overall income risk tolerance of the enterprise is assessed through the risk tolerance assessment coefficient, and the income risk tolerance assessment result is transmitted to the adjustment feedback module; Dynamic adjustment feedback module: Make dynamic adjustments and feedback to financing conditions and income sharing ratios based on the results of income risk tolerance assessment.

2. The RBF income sharing financing management system according to claim 1 is characterized in that: The data collection module automatically obtains financial data through the company's financial statements, automatically collects the company's historical operating data through the sales records in the company's sales management system, and creates operating data tables and financial data tables in the database respectively, and automatically stores the collected company's historical and real-time operating data and financial data in the corresponding data tables.

3. The RBF income sharing financing management system according to claim 1 is characterized in that: The feature extraction module processes the historical and real-time business data and financial data of the enterprise through data cleaning, data standardization and data integration, and extracts key feature parameters from the calculated business data and financial data, including average return on investment, average sales growth rate, average net profit growth rate, average gross profit rate of change, average operating income and average unit investment payback period, respectively. and and and The expression is as follows: Among them, q i represents the net profit of period i, p i represents the unit investment amount in period i, n represents the total number of periods collected; d i represents the sales growth rate in period i; m i represents the net profit margin of the i-th period; h i represents the gross profit margin in period i, h i-1 represents the gross profit margin of period i-1; x i represents the operating income of the i-th period; c i It represents the payback period of unit investment in period i.

4. The RBF income sharing financing management system according to claim 1, characterized in that: The profit classification module classifies the enterprise's profit level into profit grades according to the net profit margin, and classifies them into low profit grade, medium profit grade, and high profit grade respectively. The net profit margin of each unit investment payback period of the enterprise is calculated through the enterprise's financial statements, and the net profit margin of each unit investment payback period of the enterprise is compared with the established profit grade classification standard to determine the profit grade to which the net profit margin of each unit investment payback period belongs. Then, all the unit investment payback period profit grades of the enterprise are summarized to generate a profit grade set, and the generated profit grade set is W = {w1, w2, w3}.

5. The RBF income sharing financing management system according to claim 1 is characterized in that: The risk identification module analyzes and calculates the risk identification coefficient through the extracted key characteristic parameters. The formula for calculating the risk identification coefficient is as follows: Among them, R i represents the return on investment in period i, represents the average return on investment, S i represents the sales growth rate in period i, represents the average sales growth rate, I i represents the net profit growth rate of period i, represents the average net profit growth rate, U i represents the rate of change of gross profit margin in period i, represents the average gross profit margin change rate, Y i represents the operating income of the i-th period, represents the average operating income, T i represents the payback period of unit investment in period i, It represents the average unit investment payback period, α1, α2, α3, α4, α5, α6 are weight coefficients, and the specific values ​​can be set according to the fluctuation of the company's historical income; Compare the risk identification coefficient Z with the preset risk threshold z. When the risk identification coefficient Z ≤ the preset risk threshold z, it indicates that the fluctuation of income is stable, and it is determined that there is no unstable risk of income. The unstable risk of income continues to be monitored. When the risk identification coefficient Z > the preset risk threshold z, it indicates that the fluctuation of income is unstable, and it is determined that there is an unstable risk of income. The judgment result at this time is immediately transmitted to the profit risk matching module.

6. The RBF income sharing financing management system according to claim 1, characterized in that: The profit keywords screened by the profit risk matching module include net profit rate, gross profit rate, operating income and sales growth rate. The generated profit set is: A = {a1, a2, a3, ..., a j }, the risk keywords screened out include market risk, credit risk, liquidity risk, legal risk and interest rate risk, and the generated risk set is: B = {b1, b2, b3, ..., b k }, match the profit set A with the risk set B, and the formula for calculating the income risk level is as follows: Among them, r jk =a j ×b k , j represents the jth profit keyword, and k represents the kth risk keyword.

7. The RBF income sharing financing management system according to claim 1 is characterized in that: The risk tolerance assessment module uses the profit level set W and the income risk level Q as two dimensions for cross analysis. The formula for calculating the risk tolerance assessment coefficient is as follows: Among them, v 3J =w3×r jk ; Compare the risk tolerance assessment coefficient L with the risk tolerance threshold l. If the risk tolerance assessment coefficient L ≥ risk tolerance threshold l, it indicates that the company's income risk tolerance is strong and there is no need to adjust the financing conditions and income sharing ratio. If the risk tolerance assessment coefficient L < risk tolerance threshold l, it indicates that the company's income risk tolerance is weak and it is necessary to adjust the financing conditions and income sharing ratio, and transmit the adjustment instructions to the adjustment feedback module.

8. The RBF income sharing financing management system according to claim 1, characterized in that: When receiving the adjustment instruction, the adjustment feedback module performs adjustment operations on the financing conditions and the income sharing ratio, and generates risk tolerance assessment prompt information based on the income risk tolerance assessment result and feeds it back to the user end.

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