Financial data intelligent acquisition, analysis and management system and method based on Internet

Abstract

The invention discloses an internet-based financial data intelligent acquisition, analysis and management system and method, and relates to the technical field of financial data analysis and management, and the system comprises a financial data acquisition module, a financial data analysis module and an enterprise development analysis module. The debt paying ability, the profitability and the cost control ability of the enterprise are analyzed from multiple aspects, then whether financial data of the enterprise is abnormal or not is judged, decisions are made for financial data abnormity of the enterprise in each month, fluctuation coefficients of the debt paying ability, the profitability and the cost control ability of the enterprise are analyzed, and whether the enterprise has development prospects or not is judged accordingly.

Description

Technical Field

[0001] The present invention relates to the technical field of financial data analysis and management, and in particular to an intelligent collection, analysis and management system and method for financial data based on the Internet. Background Art

[0002] Corporate financial data is an important cornerstone of corporate management and development. Corporate financial data can fully display the status of corporate assets, liabilities, owner's equity and operating activities. Through these data, corporate management and investors can clearly understand the real financial status of the company and make more informed decisions. It is not only an important basis for corporate management and investors to understand the company's financial status and operating capabilities, but also the key to the company's development strategy, optimization of resource allocation, reduction of operating risks, and enhancement of corporate image and reputation. Therefore, it is particularly important to invent an Internet-based financial data intelligent collection and analysis management system and method.

[0003] Prior art, such as the invention application patent with announcement number: CN 114648400 B, discloses a mobile Internet-based intelligent financial data collection and analysis management system. The application obtains the basic procurement information of each building material in the construction project to be managed and the basic construction information of each construction worker, analyzes the compliance of the construction material procurement data of the construction project to be managed with the weight index and the construction worker salary data with the weight index, and further realizes the tracking and verification of the financial data of the construction project, thereby avoiding the false reporting of some financial data. At the same time, the accuracy coefficient of the financial data of the construction project to be managed is obtained by comprehensive evaluation, and corresponding management is performed according to the comparison results, thereby realizing a comprehensive evaluation of the financial data of the construction project, ensuring the accuracy of the analysis results of the financial data of the construction project, and thus meeting the needs of the construction project for financial data management and improving the financial management level of the construction project.

[0004] The existing technology still has some shortcomings, which are specifically reflected in: 1. The existing Internet-based intelligent financial data collection, analysis and management system has a relatively single level of analysis of corporate financial data, which may lead to misjudgment of the overall financial status of the company, affect the company's investment and financing decisions, and fail to promptly detect potential risks in the company's operations, thereby increasing the risk of bad debts and the probability of potential risks occurring.

[0005] 2. The existing Internet-based intelligent financial data collection, analysis and management systems do not pay much attention to the tracing of abnormal financial data of enterprises. When abnormal financial data occurs, it cannot be discovered in time, which may damage the reputation of the enterprise, reduce the trust of investors, the support of partners, and the recognition of consumers, and have a serious negative impact on the long-term development of the enterprise. Summary of the invention

[0006] The purpose of the present invention is to provide an Internet-based financial data intelligent collection, analysis and management system and method, which solves the problems existing in the background technology.

[0007] To solve the above technical problems, the present invention adopts the following technical solution: The present invention provides an Internet-based financial data intelligent collection, analysis and management system, including: a financial data acquisition module for acquiring the monthly financial data of an enterprise.

[0008] The financial data analysis module is used to analyze the company's monthly financial data, evaluate the company's monthly debt-paying ability coefficient, the company's monthly profitability coefficient and the company's monthly cost control ability coefficient, determine whether the company's monthly financial data is abnormal, and make decisions based on the company's monthly financial data anomalies.

[0009] The enterprise development analysis module evaluates the fluctuation coefficients of the enterprise's debt-paying ability, profitability and cost-control ability based on the enterprise's monthly debt-paying ability coefficient, profitability coefficient and cost-control ability coefficient, and determines whether the enterprise has development prospects.

[0010] The display terminal shows whether the company's monthly financial data is abnormal, the decisions made in response to the abnormal financial data of the company each month, and whether the company has development prospects.

[0011] Preferably, the debt-paying capacity coefficient of each month of the enterprise is evaluated by a specific analysis method: extracting the current ratio, quick ratio and debt-to-asset ratio of each month of the enterprise, and comparing them with the preset enterprise safety current ratio, safety quick ratio and safety debt-to-asset ratio, respectively, and then evaluating the debt-paying capacity coefficient of each month of the enterprise, and the calculation formula is: ,in represents the enterprise's solvency coefficient in the i-th month, represents the current ratio of the enterprise in the i-th month, Indicates the preset enterprise safety current ratio, represents the quick ratio of the enterprise in the i-th month, Indicates the preset enterprise safety quick ratio, represents the debt-to-asset ratio of the enterprise in the i-th month, represents the preset enterprise safety asset-liability ratio, e represents a natural constant, i represents the number of each month, , j is a positive integer greater than 2.

[0012] Preferably, the profitability coefficient of each month of the enterprise is evaluated by a specific analysis method: extracting the gross profit margin, net profit margin and return on equity of the enterprise in each month, and comparing them with the gross profit margin, net profit margin and return on equity preset by the enterprise, and then evaluating the profitability coefficient of each month of the enterprise. The calculation formula is: ,in represents the profitability coefficient of the enterprise in the i-th month, represents the gross profit margin of the enterprise in the i-th month, Indicates the preset enterprise gross profit margin, represents the net profit margin of the enterprise in the i-th month, Indicates the preset corporate net profit margin, represents the return on net assets of the enterprise in the i-th month, Represents the preset return on net assets of the enterprise.

[0013] Preferably, the cost control capability coefficient of each month of the enterprise is evaluated by a specific analysis method: extracting the direct cost, indirect cost and return on assets of the enterprise each month, and comparing them with the average direct cost, average indirect cost and average return on assets of the same industry of the enterprise, and then evaluating the cost control capability coefficient of each month of the enterprise. The calculation formula is: ,in represents the cost control capability coefficient of the enterprise in the i-th month, represents the direct cost of the enterprise in the i-th month, represents the average direct cost of the enterprise in the same industry, represents the indirect cost of the enterprise in the i-th month, represents the average indirect cost of the enterprise in the same industry, represents the return on assets of the enterprise in the i-th month, Represents the average return on assets of the company in the same industry.

[0014] Preferably, the specific analysis method for determining whether the monthly financial data of the enterprise is abnormal is as follows: extracting the monthly debt-paying ability coefficient, profitability coefficient and cost control ability coefficient of the enterprise, and comparing them with the preset debt-paying ability coefficient threshold, profitability coefficient threshold and cost control ability coefficient threshold stored in the database, respectively.

[0015] If the debt-paying ability coefficient of an enterprise in a certain month is lower than the preset debt-paying ability coefficient threshold stored in the database, it is determined that the debt-paying ability of the enterprise in that month is abnormal.

[0016] If the profitability coefficient of an enterprise in a certain month is lower than a preset profitability coefficient threshold stored in the database, the profitability of the enterprise in that month is determined to be abnormal.

[0017] If the cost control capability coefficient of an enterprise in a certain month is lower than a preset cost control capability coefficient threshold stored in the database, it is determined that the cost control capability of the enterprise in that month is abnormal.

[0018] To sum up, the abnormality of the monthly financial data of an enterprise can be judged from multiple aspects such as the enterprise's debt-paying ability, profitability and cost control ability. If the debt-paying ability, profitability or cost control ability of an enterprise in a certain month is abnormal, the financial data of the enterprise for that month is judged to be abnormal. If the debt-paying ability, profitability and cost control ability of an enterprise in a certain month are normal, the financial data of the enterprise for that month is judged to be normal.

[0019] Preferably, the decision is made for the abnormal financial data of each month of the enterprise, and the specific analysis method is: if the debt repayment ability of the enterprise in a certain month is abnormal, the collection frequency of the accounts receivable of the enterprise in that month is obtained, the accounts receivable collection frequency of that month is compared with the accounts receivable collection frequency of the previous normal month, and the difference in the accounts receivable collection frequency between that month and the previous normal month is calculated; if the accounts receivable collection frequency of that month is lower than the accounts receivable collection frequency of the previous normal month, it is determined that the collection frequency of the accounts receivable of the enterprise in that month is abnormal, and then the difference in the accounts receivable collection frequency between that month and the previous normal month is added to the accounts receivable collection frequency of the enterprise in the next month.

[0020] If the profitability of an enterprise in a certain month is abnormal, the market price and sales quantity of the enterprise's products in that month are obtained, the market price and sales quantity of the same products in the market are obtained, and the difference between the market price of the enterprise's products in that month and the market price of the same products in the market is calculated; if the market price of the enterprise's products in that month is higher than the market price of the same products in the market, and the sales quantity of the enterprise's products in that month is lower than the sales quantity of the same products in the market, then it is determined that the market price of the enterprise's products in that month is abnormal, and the difference between the market price of the enterprise's products in that month and the market price of the same products in the next month is reduced.

[0021] If the cost control ability of an enterprise is abnormal in a certain month, obtain the purchase price of the raw materials of the enterprise in that month, obtain the estimated purchase price of the raw materials of the enterprise. If the purchase price of the raw materials of the enterprise in that month is higher than the estimated purchase price of the raw materials of the enterprise, then it is determined that the purchase price of the raw materials of the enterprise in that month is abnormal, and then obtain the information of each raw material supplier of the enterprise, evaluate the matching coefficient between the enterprise and each raw material supplier, and screen out suitable raw material suppliers for the enterprise.

[0022] Preferably, the matching coefficient between the evaluation enterprise and each raw material supplier is analyzed by the following specific method: From the information of each raw material supplier of the enterprise, extract the purchase price, delivery speed and inventory of each raw material supplier, calculate the average purchase price, average delivery speed and average inventory of the raw materials of the raw material supplier, and then evaluate the matching coefficient between the enterprise and each raw material supplier. The calculation formula is: ,in represents the matching coefficient between the enterprise and the pth raw material supplier, represents the purchase price of raw materials from the pth raw material supplier, represents the average purchase price of raw materials from raw material suppliers, represents the speed of raw material distribution of the pth raw material supplier, Indicates the average delivery speed of raw materials from raw material suppliers. represents the inventory of raw materials of the pth raw material supplier, represents the average inventory of raw materials of raw material suppliers, p represents the number of each raw material supplier, , q is a positive integer greater than 2.

[0023] Preferably, the specific analysis method for evaluating the fluctuation coefficient of the debt-paying ability of the enterprise is as follows: extracting the debt-paying ability coefficient of each month of the enterprise, with the horizontal axis being the number of each month of the enterprise and the vertical axis being the debt-paying ability coefficient of the enterprise, drawing a fluctuation graph of the debt-paying ability of the enterprise, and then evaluating the fluctuation coefficient of the debt-paying ability of the enterprise, and the calculation formula is: ,in The volatility coefficient of the company's debt-paying ability, Indicates the enterprise The monthly solvency coefficient, j represents the number of enterprise months.

[0024] Preferably, the specific analysis method for judging whether an enterprise has development prospects is: extracting the volatility coefficient of the enterprise's debt-paying ability, the volatility coefficient of profitability and the volatility coefficient of cost control ability, and comparing them with the preset debt-paying ability volatility coefficient, the volatility coefficient of profitability and the volatility coefficient of cost control ability of the enterprise stored in the database.

[0025] If the volatility coefficient of the enterprise's debt-paying ability is higher than the preset volatility coefficient of the enterprise's debt-paying ability stored in the database, the enterprise is judged to have development prospects. Conversely, if the volatility coefficient of the enterprise's debt-paying ability is lower than the preset volatility coefficient of the enterprise's debt-paying ability stored in the database, the enterprise is judged to have no development prospects.

[0026] If the volatility coefficient of an enterprise's profitability is higher than the preset profitability volatility coefficient of the enterprise stored in the database, the enterprise is judged to have development prospects. Conversely, if the volatility coefficient of an enterprise's profitability is lower than the preset profitability volatility coefficient of the enterprise stored in the database, the enterprise is judged to have no development prospects.

[0027] If the fluctuation coefficient of the enterprise's cost control capability is lower than the fluctuation coefficient of the enterprise's preset cost control capability stored in the database, the enterprise is judged to have development prospects. Conversely, if the fluctuation coefficient of the enterprise's cost control capability is higher than the fluctuation coefficient of the enterprise's preset cost control capability stored in the database, the enterprise is judged to have no development prospects.

[0028] A second aspect of the present invention provides a method for an intelligent collection, analysis and management system of financial data based on the Internet, characterized by comprising: Step 1: Financial data acquisition, used to obtain the company's monthly financial data.

[0029] Step 2: Financial data analysis is used to analyze the company's monthly financial data, evaluate the company's monthly debt-paying ability coefficient, the company's monthly profitability coefficient and the company's monthly cost control ability coefficient, determine whether the company's monthly financial data is abnormal, and make decisions based on the company's monthly financial data anomalies.

[0030] Step 3: Enterprise development analysis: Based on the monthly debt-paying ability coefficient, profitability coefficient and cost control ability coefficient of the enterprise, evaluate the fluctuation coefficient of the enterprise's debt-paying ability, profitability and cost control ability to determine whether the enterprise has development prospects.

[0031] The beneficial effects of the present invention are: 1. In the present invention, not only the debt-paying ability, profitability and cost control ability of the enterprise are taken into consideration, but also the volatility coefficients of the debt-paying ability, profitability and cost control ability of the enterprise are further analyzed in depth, thereby achieving a more comprehensive and detailed evaluation of the financial status of the enterprise, improving the accuracy of investment decisions and financing decisions, reducing the probability of potential risks in the operation of the enterprise, and reducing the probability of bad debts.

[0032] 2. In the present invention, the attention paid to the abnormal tracing of corporate financial data is increased, and the accuracy and authenticity of corporate financial information are improved. Enterprises can better grasp market trends, industry competition and their own operating conditions, and then adjust strategic planning, which helps enterprises to timely discover potential risk factors, enhance corporate reputation, enhance investor trust, partner support, and consumer recognition, and lay a solid foundation for the long-term development of the enterprise. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0034] Figure 1 It is a schematic diagram of the system structure connection of the present invention.

[0035] Figure 2 The present invention is a schematic flow chart of the steps for implementing the method. DETAILED DESCRIPTION

[0036] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0037] Reference Figure 1 As shown, the present invention provides an Internet-based financial data intelligent collection, analysis and management system, including: a financial data acquisition module for acquiring the monthly financial data of an enterprise.

[0038] It should be noted that the monthly financial data of the enterprise include the enterprise's current ratio, quick ratio and debt-to-asset ratio each month, the enterprise's gross profit margin, net profit margin and return on equity each month, and the enterprise's direct cost, indirect cost and return on assets each month.

[0039] The financial data analysis module is used to analyze the company's monthly financial data, evaluate the company's monthly debt-paying ability coefficient, the company's monthly profitability coefficient and the company's monthly cost control ability coefficient, determine whether the company's monthly financial data is abnormal, and make decisions based on the company's monthly financial data anomalies.

[0040] In a specific embodiment, the evaluation of the monthly solvency coefficient of the enterprise is carried out by extracting the monthly current ratio, quick ratio and debt-to-asset ratio of the enterprise, and comparing them with the preset enterprise safety current ratio, safety quick ratio and safety debt-to-asset ratio, and then evaluating the monthly solvency coefficient of the enterprise. The calculation formula is: ,in represents the enterprise's solvency coefficient in the i-th month, represents the current ratio of the enterprise in the i-th month, Indicates the preset enterprise safety current ratio, represents the quick ratio of the enterprise in the i-th month, Indicates the preset enterprise safety quick ratio, represents the debt-to-asset ratio of the enterprise in the i-th month, represents the preset enterprise safety asset-liability ratio, e represents a natural constant, i represents the number of each month, , j is a positive integer greater than 2.

[0041] It should be noted that the preset enterprise safety current ratio, safety quick ratio and safety debt-to-asset ratio respectively represent the average current ratio, average quick ratio and average debt-to-asset ratio of the same industry of the enterprise.

[0042] In the present invention, not only the debt-paying ability, profitability and cost control ability of the enterprise are taken into consideration, but also the volatility coefficients of the debt-paying ability, profitability and cost control ability of the enterprise are further analyzed in depth, thereby achieving a more comprehensive and detailed assessment of the financial status of the enterprise, improving the accuracy of investment decisions and financing decisions, reducing the probability of potential risks in the operation of the enterprise, and reducing the probability of bad debts.

[0043] In a specific embodiment, the profitability coefficient of each month of the enterprise is evaluated by a specific analysis method: extracting the gross profit margin, net profit margin and return on equity of the enterprise in each month, and comparing them with the gross profit margin, net profit margin and return on equity preset by the enterprise, and then evaluating the profitability coefficient of each month of the enterprise. The calculation formula is: ,in represents the profitability coefficient of the enterprise in the i-th month, represents the gross profit margin of the enterprise in the i-th month, Indicates the preset enterprise gross profit margin, represents the net profit margin of the enterprise in the i-th month, Indicates the preset corporate net profit margin, represents the return on net assets of the enterprise in the i-th month, Represents the preset return on net assets of the enterprise.

[0044] It should be noted that the gross profit margin, net profit margin and return on equity preset by the enterprise respectively represent the average gross profit margin, average net profit margin and average return on equity of the enterprise in the same industry.

[0045] In a specific embodiment, the cost control capability coefficient of each month of the enterprise is evaluated by a specific analysis method: extracting the direct cost, indirect cost and return on assets of the enterprise each month, and comparing them with the average direct cost, average indirect cost and average return on assets of the same industry of the enterprise, and then evaluating the cost control capability coefficient of each month of the enterprise. The calculation formula is: ,in represents the cost control capability coefficient of the enterprise in the i-th month, represents the direct cost of the enterprise in the i-th month, represents the average direct cost of the enterprise in the same industry, represents the indirect cost of the enterprise in the i-th month, represents the average indirect cost of the enterprise in the same industry, represents the return on assets of the enterprise in the i-th month, Represents the average return on assets of the company in the same industry.

[0046] In a specific embodiment, the specific analysis method for determining whether the monthly financial data of the enterprise is abnormal is as follows: extracting the monthly debt-paying ability coefficient, profitability coefficient and cost control ability coefficient of the enterprise, and comparing them with the preset debt-paying ability coefficient threshold, profitability coefficient threshold and cost control ability coefficient threshold stored in the database, respectively.

[0047] If the debt-paying ability coefficient of an enterprise in a certain month is lower than the preset debt-paying ability coefficient threshold stored in the database, it is determined that the debt-paying ability of the enterprise in that month is abnormal.

[0048] If the profitability coefficient of an enterprise in a certain month is lower than a preset profitability coefficient threshold stored in the database, the profitability of the enterprise in that month is determined to be abnormal.

[0049] If the cost control capability coefficient of an enterprise in a certain month is lower than a preset cost control capability coefficient threshold stored in the database, it is determined that the cost control capability of the enterprise in that month is abnormal.

[0050] To sum up, the abnormality of the monthly financial data of an enterprise can be judged from multiple aspects such as the enterprise's debt-paying ability, profitability and cost control ability. If the debt-paying ability, profitability or cost control ability of an enterprise in a certain month is abnormal, the financial data of the enterprise for that month is judged to be abnormal. If the debt-paying ability, profitability and cost control ability of an enterprise in a certain month are normal, the financial data of the enterprise for that month is judged to be normal.

[0051] In the present invention, the attention paid to the abnormal tracing of corporate financial data is increased, and the accuracy and authenticity of corporate financial information are improved. Enterprises can better grasp market trends, industry competition and their own operating conditions, and then adjust strategic planning, which helps companies to timely discover potential risk factors, enhance corporate reputation, enhance investor trust, partner support, and consumer recognition, and lay a solid foundation for the long-term development of the company.

[0052] In a specific embodiment, the decision is made based on the abnormal financial data of each month of the enterprise. The specific analysis method is: if the debt repayment ability of the enterprise in a certain month is abnormal, the collection frequency of the accounts receivable of the enterprise in that month is obtained, the collection frequency of the accounts receivable of that month is compared with the collection frequency of the accounts receivable of the previous normal month, and the difference in the collection frequency of the accounts receivable between that month and the previous normal month is calculated. If the collection frequency of the accounts receivable of that month is lower than the collection frequency of the accounts receivable of the previous normal month, it is determined that the collection frequency of the accounts receivable of the enterprise in that month is abnormal, and then the difference in the collection frequency of the accounts receivable between that month and the previous normal month is added to the collection frequency of the accounts receivable of the enterprise in the next month.

[0053] It should be noted that the frequency of collection of the company's accounts receivable for that month is obtained by collecting the company's internal collection records, including telephone collection records, email collection records, and collection letter sending records.

[0054] If the profitability of an enterprise in a certain month is abnormal, the market price and sales quantity of the enterprise's products in that month are obtained, the market price and sales quantity of the same products in the market are obtained, and the difference between the market price of the enterprise's products in that month and the market price of the same products in the market is calculated; if the market price of the enterprise's products in that month is higher than the market price of the same products in the market, and the sales quantity of the enterprise's products in that month is lower than the sales quantity of the same products in the market, then it is determined that the market price of the enterprise's products in that month is abnormal, and the difference between the market price of the enterprise's products in that month and the market price of the same products in the next month is reduced.

[0055] If the cost control ability of an enterprise is abnormal in a certain month, obtain the purchase price of the raw materials of the enterprise in that month, obtain the estimated purchase price of the raw materials of the enterprise. If the purchase price of the raw materials of the enterprise in that month is higher than the estimated purchase price of the raw materials of the enterprise, then it is determined that the purchase price of the raw materials of the enterprise in that month is abnormal, and then obtain the information of each raw material supplier of the enterprise, evaluate the matching coefficient between the enterprise and each raw material supplier, and screen out suitable raw material suppliers for the enterprise.

[0056] It should be noted that the specific method for obtaining the information of each raw material supplier of the enterprise is to require each raw material supplier to provide financial statements.

[0057] It should be noted that the screening method for obtaining suitable raw material suppliers for the enterprise is to obtain the matching coefficients between the enterprise and each raw material supplier, compare them with each other, obtain the raw material supplier corresponding to the maximum value of the matching coefficient between the enterprise and each raw material supplier, and use it as the suitable raw material supplier for the enterprise.

[0058] In a specific embodiment, the matching coefficient between the enterprise and each raw material supplier is evaluated by a specific analysis method: extracting the purchase price, delivery speed and inventory of the raw materials of each raw material supplier from the information of each raw material supplier of the enterprise, calculating the average purchase price, average delivery speed and average inventory of the raw materials of the raw material supplier, and then evaluating the matching coefficient between the enterprise and each raw material supplier. The calculation formula is: ,in represents the matching coefficient between the enterprise and the pth raw material supplier, represents the purchase price of raw materials from the pth raw material supplier, represents the average purchase price of raw materials from raw material suppliers, represents the speed of raw material distribution of the pth raw material supplier, Indicates the average delivery speed of raw materials from raw material suppliers. represents the inventory of raw materials of the pth raw material supplier, represents the average inventory of raw materials of raw material suppliers, p represents the number of each raw material supplier, , q is a positive integer greater than 2.

[0059] The enterprise development analysis module evaluates the fluctuation coefficients of the enterprise's debt-paying ability, profitability and cost-control ability based on the enterprise's monthly debt-paying ability coefficient, profitability coefficient and cost-control ability coefficient, and determines whether the enterprise has development prospects.

[0060] In a specific embodiment, the volatility coefficient of the debt-paying ability of the enterprise is evaluated by a specific analysis method: extract the debt-paying ability coefficient of each month of the enterprise, with the horizontal axis being the number of each month of the enterprise and the vertical axis being the debt-paying ability coefficient of the enterprise, and drawing a volatility graph of the debt-paying ability of the enterprise, and then evaluating the volatility coefficient of the debt-paying ability of the enterprise. The calculation formula is: ,in The volatility coefficient of the company's debt-paying ability, Indicates the company The monthly solvency coefficient, j represents the number of enterprise months.

[0061] It should be noted that by the same token, we can obtain the volatility coefficient of the enterprise's profitability and the volatility coefficient of the enterprise's cost control ability.

[0062] In a specific embodiment, the specific analysis method for determining whether an enterprise has development prospects is as follows: extracting the volatility coefficient of the enterprise's debt-paying ability, the volatility coefficient of profitability, and the volatility coefficient of cost control ability, and comparing them with the enterprise's preset debt-paying ability volatility coefficient, profitability volatility coefficient, and cost control ability volatility coefficient stored in a database.

[0063] If the volatility coefficient of the enterprise's debt-paying ability is higher than the preset volatility coefficient of the enterprise's debt-paying ability stored in the database, the enterprise is judged to have development prospects. Conversely, if the volatility coefficient of the enterprise's debt-paying ability is lower than the preset volatility coefficient of the enterprise's debt-paying ability stored in the database, the enterprise is judged to have no development prospects.

[0064] If the volatility coefficient of an enterprise's profitability is higher than the preset profitability volatility coefficient of the enterprise stored in the database, the enterprise is judged to have development prospects. Conversely, if the volatility coefficient of an enterprise's profitability is lower than the preset profitability volatility coefficient of the enterprise stored in the database, the enterprise is judged to have no development prospects.

[0065] If the fluctuation coefficient of the enterprise's cost control capability is lower than the fluctuation coefficient of the enterprise's preset cost control capability stored in the database, the enterprise is judged to have development prospects. Conversely, if the fluctuation coefficient of the enterprise's cost control capability is higher than the fluctuation coefficient of the enterprise's preset cost control capability stored in the database, the enterprise is judged to have no development prospects.

[0066] The display terminal shows whether the company's monthly financial data is abnormal, the decisions made in response to the abnormal financial data of the company each month, and whether the company has development prospects.

[0067] The financial data acquisition module is connected to the financial data analysis module, the financial data analysis module is connected to the enterprise development analysis module, and the financial data analysis module and the enterprise development analysis module are connected to the database and the display terminal at the same time.

[0068] It should be noted that the present invention also includes a database, including a preset enterprise safety current ratio, safety quick ratio and safety debt-to-asset ratio, a preset gross profit margin, net profit margin and return on equity, the average direct cost, average indirect cost and average industry return on assets of the enterprise in the same industry, a preset debt-paying ability coefficient threshold, a profitability coefficient threshold and a cost control ability coefficient threshold, the enterprise's preset debt-paying ability fluctuation coefficient, profitability fluctuation coefficient and cost control ability fluctuation coefficient, and the estimated purchase price of the enterprise's raw materials.

[0069] refer to Figure 2 , a method for intelligent collection, analysis and management of financial data based on the Internet, comprising: Step 1: Financial data acquisition, used to obtain the company's monthly financial data.

[0070] Step 2: Financial data analysis is used to analyze the company's monthly financial data, evaluate the company's monthly debt-paying ability coefficient, the company's monthly profitability coefficient and the company's monthly cost control ability coefficient, determine whether the company's monthly financial data is abnormal, and make decisions based on the company's monthly financial data anomalies.

[0071] Step 3: Enterprise development analysis: Based on the monthly debt-paying ability coefficient, profitability coefficient and cost control ability coefficient of the enterprise, evaluate the fluctuation coefficient of the enterprise's debt-paying ability, profitability and cost control ability to determine whether the enterprise has development prospects.

[0072] The above contents are merely examples and explanations of the concept of the present invention. Those skilled in the art may make various modifications or additions to the specific embodiments described or replace them in a similar manner. As long as they do not deviate from the concept of the invention or exceed the scope defined by the present invention, they shall all fall within the protection scope of the present invention.

Claims

1. An Internet-based intelligent financial data collection, analysis and management system, characterized by: include: Financial data acquisition module, used to obtain the monthly financial data of the enterprise; The financial data analysis module is used to analyze the monthly financial data of the enterprise, evaluate the monthly debt repayment coefficient, monthly profitability coefficient and monthly cost control coefficient of the enterprise, determine whether the monthly financial data of the enterprise is abnormal, and make decisions based on the abnormal monthly financial data of the enterprise; The enterprise development analysis module evaluates the volatility coefficients of the enterprise's solvency, profitability and cost control capabilities based on the monthly solvency coefficients, profitability coefficients and cost control coefficients of the enterprise, and determines whether the enterprise has development prospects; The display terminal shows whether the company's monthly financial data is abnormal, the decisions made in response to the abnormal financial data of the company each month, and whether the company has development prospects.

2. The Internet-based financial data intelligent collection, analysis and management system according to claim 1 is characterized in that: The specific analysis method for evaluating the monthly solvency coefficient of the enterprise is as follows: Extract the current ratio, quick ratio and debt-to-asset ratio of each month of the enterprise, and compare them with the preset enterprise safety current ratio, safety quick ratio and safety debt-to-asset ratio, and then evaluate the monthly debt-paying capacity coefficient of the enterprise. The calculation formula is: ,in represents the enterprise's solvency coefficient in the i-th month, represents the current ratio of the enterprise in the i-th month, Indicates the preset enterprise safety current ratio, represents the quick ratio of the enterprise in the i-th month, Indicates the preset enterprise safety quick ratio, represents the debt-to-asset ratio of the enterprise in the i-th month, represents the preset enterprise safety asset-liability ratio, e represents a natural constant, i represents the number of each month, , j is a positive integer greater than 2.

3. The Internet-based financial data intelligent collection, analysis and management system according to claim 2 is characterized in that: The specific analysis method for evaluating the profitability coefficient of each month of the enterprise is as follows: Extract the monthly gross profit margin, net profit margin and return on equity of the enterprise, and compare them with the preset gross profit margin, net profit margin and return on equity of the enterprise, and then evaluate the profitability coefficient of the enterprise in each month. The calculation formula is: ,in represents the profitability coefficient of the enterprise in the i-th month, represents the gross profit margin of the enterprise in the i-th month, Indicates the preset enterprise gross profit margin, represents the net profit margin of the enterprise in the i-th month, Indicates the preset corporate net profit margin, represents the return on net assets of the enterprise in the i-th month, Represents the preset return on net assets of the enterprise.

4. The Internet-based financial data intelligent collection, analysis and management system according to claim 3 is characterized in that: The specific analysis method for evaluating the cost control capability coefficient of each month of the enterprise is as follows: Extract the direct cost, indirect cost and return on assets of the enterprise in each month, compare them with the average direct cost, average indirect cost and average return on assets of the same industry, and then evaluate the cost control ability coefficient of the enterprise in each month. The calculation formula is: ,in represents the cost control capability coefficient of the enterprise in the i-th month, represents the direct cost of the enterprise in the i-th month, represents the average direct cost of the enterprise in the same industry, represents the indirect cost of the enterprise in the i-th month, represents the average indirect cost of the enterprise in the same industry, represents the return on assets of the enterprise in the i-th month, Represents the average return on assets of the company in the same industry.

5. The Internet-based financial data intelligent collection, analysis and management system according to claim 4 is characterized in that: The specific analysis method for judging whether the monthly financial data of an enterprise is abnormal is as follows: Extract the monthly solvency coefficient, profitability coefficient and cost control coefficient of the enterprise, and compare them with the preset solvency coefficient threshold, profitability coefficient threshold and cost control coefficient threshold stored in the database respectively; If the debt-paying capacity coefficient of an enterprise in a certain month is lower than the preset debt-paying capacity coefficient threshold stored in the database, the debt-paying capacity of the enterprise in that month is determined to be abnormal; If the profitability coefficient of an enterprise in a certain month is lower than the preset profitability coefficient threshold stored in the database, the profitability of the enterprise in that month is determined to be abnormal; If the cost control capability coefficient of an enterprise in a certain month is lower than the preset cost control capability coefficient threshold stored in the database, the cost control capability of the enterprise in that month is determined to be abnormal; To sum up, the abnormality of the monthly financial data of an enterprise can be judged from multiple aspects such as the enterprise's debt-paying ability, profitability and cost control ability. If the debt-paying ability, profitability or cost control ability of an enterprise in a certain month is abnormal, the financial data of the enterprise for that month is judged to be abnormal. If the debt-paying ability, profitability and cost control ability of an enterprise in a certain month are normal, the financial data of the enterprise for that month is judged to be normal.

6. The Internet-based financial data intelligent collection, analysis and management system according to claim 5, characterized in that: The specific analysis method for making decisions based on the abnormal financial data of each month of the enterprise is as follows: If the debt repayment capacity of an enterprise in a certain month is abnormal, the collection frequency of accounts receivable of the enterprise in that month is obtained, and the collection frequency of accounts receivable of that month is compared with the collection frequency of accounts receivable of the previous normal month, and the difference between the collection frequency of accounts receivable of that month and the previous normal month is calculated. If the collection frequency of accounts receivable of that month is lower than the collection frequency of accounts receivable of the previous normal month, it is determined that the collection frequency of accounts receivable of the enterprise in that month is abnormal, and then the difference between the collection frequency of accounts receivable of that month and the previous normal month is added to the collection frequency of accounts receivable of the enterprise in the next month; If the profitability of an enterprise in a certain month is abnormal, the market price and sales volume of the enterprise's products in that month are obtained, the market price and sales volume of the same products in the market are obtained, and the difference between the market price of the enterprise's products in that month and the market price of the same products in the market is calculated. If the market price of the enterprise's products in that month is higher than the market price of the same products in the market, and the sales volume of the enterprise's products in that month is lower than the sales volume of the same products in the market, it is determined that the market price of the enterprise's products in that month is abnormal, and then the difference between the market price of the enterprise's products in that month and the market price of the same products in the market in the next month is reduced; If the cost control ability of an enterprise is abnormal in a certain month, obtain the purchase price of the raw materials of the enterprise in that month, obtain the estimated purchase price of the raw materials of the enterprise. If the purchase price of the raw materials of the enterprise in that month is higher than the estimated purchase price of the raw materials of the enterprise, then it is determined that the purchase price of the raw materials of the enterprise in that month is abnormal, and then obtain the information of each raw material supplier of the enterprise, evaluate the matching coefficient between the enterprise and each raw material supplier, and screen out suitable raw material suppliers for the enterprise.

7. The Internet-based financial data intelligent collection, analysis and management system according to claim 6, characterized in that: The specific analysis method for the matching coefficient between the evaluation enterprise and each raw material supplier is as follows: From the information of each raw material supplier of the enterprise, extract the purchase price, delivery speed and inventory of each raw material supplier, calculate the average purchase price, average delivery speed and average inventory of the raw materials of the raw material supplier, and then evaluate the matching coefficient between the enterprise and each raw material supplier. The calculation formula is: ,in represents the matching coefficient between the enterprise and the pth raw material supplier, represents the purchase price of raw materials from the pth raw material supplier, represents the average purchase price of raw materials from raw material suppliers, represents the speed of raw material distribution of the pth raw material supplier, Indicates the average delivery speed of raw materials from raw material suppliers. represents the inventory of raw materials of the pth raw material supplier, represents the average inventory of raw materials of raw material suppliers, p represents the number of each raw material supplier, , q is a positive integer greater than 2.

8. The Internet-based financial data intelligent collection, analysis and management system according to claim 7, characterized in that: The specific analysis method for evaluating the volatility coefficient of the debt repayment ability of the enterprise is as follows: Extract the monthly solvency coefficient of the enterprise, with the horizontal axis as the monthly number of the enterprise and the vertical axis as the solvency coefficient of the enterprise, draw the fluctuation graph of the solvency of the enterprise, and then evaluate the fluctuation coefficient of the solvency of the enterprise. The calculation formula is: ,in The volatility coefficient of the company's debt-paying ability, Indicates the enterprise The monthly solvency coefficient, j represents the number of enterprise months.

9. The Internet-based financial data intelligent collection, analysis and management system according to claim 8, characterized in that: The specific analysis method for judging whether an enterprise has development prospects is as follows: Extracting the volatility coefficient of the enterprise's solvency, profitability and cost control ability, and comparing them with the preset volatility coefficients of the enterprise's solvency, profitability and cost control ability stored in the database; If the volatility coefficient of the enterprise's solvency is higher than the preset volatility coefficient of the enterprise's solvency stored in the database, the enterprise is judged to have development prospects; conversely, if the volatility coefficient of the enterprise's solvency is lower than the preset volatility coefficient of the enterprise's solvency stored in the database, the enterprise is judged to have no development prospects; If the volatility coefficient of the profitability of an enterprise is higher than the volatility coefficient of the profitability of an enterprise preset and stored in the database, the enterprise is determined to have development prospects. On the contrary, if the volatility coefficient of the profitability of an enterprise is lower than the volatility coefficient of the profitability of an enterprise preset and stored in the database, the enterprise is determined to have no development prospects. If the fluctuation coefficient of the enterprise's cost control capability is lower than the fluctuation coefficient of the enterprise's preset cost control capability stored in the database, the enterprise is judged to have development prospects. Conversely, if the fluctuation coefficient of the enterprise's cost control capability is higher than the fluctuation coefficient of the enterprise's preset cost control capability stored in the database, the enterprise is judged to have no development prospects.

10. A method for executing the Internet-based financial data intelligent collection, analysis and management system according to claims 1 to 9, characterized in that: include: Step 1: Financial data acquisition, used to obtain the monthly financial data of the enterprise; Step 2: Financial data analysis is used to analyze the monthly financial data of the enterprise, evaluate the monthly debt repayment coefficient, monthly profitability coefficient and monthly cost control coefficient of the enterprise, determine whether the monthly financial data of the enterprise is abnormal, and make decisions based on the abnormal monthly financial data of the enterprise; Step 3: Enterprise development analysis: Based on the monthly debt-paying ability coefficient, profitability coefficient and cost control ability coefficient of the enterprise, evaluate the fluctuation coefficient of the enterprise's debt-paying ability, profitability and cost control ability to determine whether the enterprise has development prospects.

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