Multi-dimensional financial analysis method and system

Abstract

The invention discloses a multi-dimensional financial analysis method and system, and the method comprises the steps: obtaining financial data of an enterprise, and carrying out the analysis and classification of the financial data according to a preset dimension, and obtaining a plurality of pieces of financial dimension data; determining a risk evaluation index corresponding to each dimension, analyzing and evaluating the financial dimension data based on each risk evaluation index, and determining a corresponding risk evaluation value; determining a comprehensive risk evaluation value of each piece of financial dimension data based on each risk evaluation value and a preset conversion coefficient; determining a risk value of the financial data based on each comprehensive risk evaluation value and a preset weight, and determining a risk level of the financial data according to the risk value; and sending out a corresponding financial risk early warning prompt according to the level of the risk level. According to the invention, financial data analysis is carried out based on multiple dimensions, so that an enterprise is helped to better discover and understand financial risks, targeted risk management suggestions and early warning prompts can be provided, and the enterprise is helped to adjust operation strategies in time, so that the operation risk of the enterprise is reduced.

Description

Technical Field

[0001] The present invention relates to the technical field of financial analysis, and particularly to a multi-dimensional financial analysis method and system. Background Art

[0002] In today's complex and ever-changing business environment, enterprises face numerous financial risks, such as market fluctuations, competition pressure, capital tension, etc. These risks pose potential threats to the operation and development of enterprises. In order to better manage and control these risks, traditional financial risk analysis methods can no longer meet the needs of enterprises for comprehensive risk assessment. Therefore, a multi-dimensional financial risk analysis method has emerged as the times require.

[0003] The multi-dimensional financial risk analysis method classifies and evaluates financial data according to different dimensions, comprehensively analyzes the financial status and risk status of enterprises from multiple perspectives, and helps to reveal potential risk points and problems. By comprehensively considering multiple dimensions such as profitability, solvency, growth ability, and operation efficiency, the financial status of enterprises can be more comprehensively understood, the risk level can be accurately evaluated, and more powerful support can be provided for the risk management and decision-making of enterprises. Summary of the Invention

[0004] In order to solve the above technical problems, the present invention provides a multi-dimensional financial analysis method and system, including:

[0005] Obtain the financial data of an enterprise, analyze and classify the financial data according to preset dimensions, and divide the financial data into several types of financial dimension data;

[0006] Determine the risk evaluation indicators corresponding to each dimension, and analyze and evaluate the financial dimension data based on each risk evaluation indicator to determine the risk evaluation values corresponding to each risk evaluation indicator;

[0007] Determine the comprehensive risk evaluation value of each financial dimension data based on the risk evaluation value corresponding to each risk evaluation indicator and a preset conversion coefficient;

[0008] Determine the risk value of the financial data based on the comprehensive risk evaluation value corresponding to each financial dimension data and a preset weight, and determine the risk level of the financial data according to the risk value of the financial data;

[0009] Judge the level of the risk level of the financial data, and issue a corresponding financial risk warning prompt according to the level of the risk level.

[0010] Further, the obtaining the financial data of an enterprise, analyzing and classifying the financial data according to preset dimensions, and dividing the financial data into several types of financial dimension data includes:

[0011] Obtain the financial data of the enterprise and determine the preset dimensions, where the preset dimensions include the profitability dimension, the debt-paying ability dimension, the growth ability dimension, and the operation efficiency dimension;

[0012] Analyze the data types related to the profitability dimension, the debt-paying ability dimension, the growth ability dimension, and the operation efficiency dimension in the financial data, and classify the financial data into profitability data, debt-paying ability data, growth ability data, and operation efficiency data according to the data types.

[0013] Furthermore, determining the risk evaluation indicators for each dimension, and analyzing and evaluating the financial dimension data based on each risk evaluation indicator to determine the risk evaluation values corresponding to each risk evaluation indicator, including:

[0014] Determine the risk evaluation indicators corresponding to each dimension, and determine the values corresponding to each risk evaluation indicator from the financial dimension data;

[0015] Obtain the standard values of each preset risk evaluation indicator, and calculate the difference between the value of each risk evaluation indicator and the corresponding standard value;

[0016] Evaluate and obtain the risk evaluation values corresponding to each risk evaluation indicator for each difference.

[0017] Furthermore, the risk evaluation indicators corresponding to each dimension are:

[0018] The risk evaluation indicators corresponding to the profitability dimension are gross profit margin, net profit margin, return on equity, and return on total assets;

[0019] The risk evaluation indicators corresponding to the debt-paying ability dimension are current ratio and asset-liability ratio;

[0020] The risk evaluation indicators corresponding to the growth ability dimension are revenue growth rate, net profit growth rate, and R & D expense rate;

[0021] The risk evaluation indicators corresponding to the operation efficiency dimension are inventory turnover, accounts receivable turnover days, and total asset turnover.

[0022] Furthermore, determining the comprehensive risk evaluation value of each financial dimension data based on the risk evaluation values corresponding to each risk evaluation indicator and the preset weights, including:

[0023] Obtain the risk evaluation values corresponding to each risk evaluation indicator and the preset conversion coefficients corresponding to the risk evaluation values;

[0024] Multiply the risk evaluation values of each risk evaluation indicator by the preset conversion coefficients of each risk evaluation indicator to obtain the comprehensive risk evaluation value of each financial dimension data.

[0025] Further, determining the risk value of financial data based on the comprehensive risk evaluation values corresponding to the financial dimension data and the preset weights includes:

[0026] Obtaining the comprehensive risk evaluation values corresponding to the financial dimension data and the preset weights corresponding to the financial dimension data;

[0027] Multiplying the comprehensive risk evaluation values of the financial dimension data by the preset weights of the financial dimension data to obtain the weighted risk values of the financial data;

[0028] Dividing the weighted risk values of the financial data by the number of items of the dimension to obtain the risk values of the financial data.

[0029] Further, determining the risk level of the financial data based on the risk value of the financial data includes:

[0030] Pre-setting the corresponding relationship between the risk level and the risk value interval. For each risk value interval, a corresponding risk level is associated;

[0031] Obtaining the risk value of the financial data, and based on the mapping relationship of the risk value interval to which the risk value belongs in the corresponding relationship between the risk level and the risk value interval, selecting the risk level corresponding to the risk value interval as the risk level of the financial data.

[0032] Further, judging the level of the risk level of the financial data and sending out the corresponding financial risk warning prompt according to the level of the risk level includes:

[0033] The risk level of the financial data, judging the level of the risk level, and determining the financial risk warning prompt according to the level of the risk level;

[0034] If the risk level is level one, the corresponding financial risk warning prompt is that the financial data shows stability, meets expectations and industry standards;

[0035] If the risk level is level two, the corresponding financial risk warning prompt is that the financial data shows slight fluctuations, and it is necessary to deeply analyze the reasons for the fluctuations and adjust the enterprise's business strategy;

[0036] If the risk level is level three, the corresponding financial risk warning prompt is that the financial data shows obvious abnormalities, there are potential financial crises, and it is necessary to immediately activate the emergency plan.

[0037] The present invention also provides a multi-dimensional financial analysis system, including:

[0038] An acquisition module, configured to acquire the financial data of an enterprise, analyze and classify the financial data according to the preset dimensions, and divide the financial data into several types of financial dimension data;

[0039] An evaluation module, which is used to determine risk evaluation indicators corresponding to each dimension, analyze and evaluate the financial dimension data based on each risk evaluation indicator, and determine the risk evaluation values corresponding to each risk evaluation indicator;

[0040] A calculation module, which is used to determine the comprehensive risk evaluation value of each financial dimension data based on the risk evaluation value corresponding to each risk evaluation indicator and a preset conversion coefficient;

[0041] A determination module, which is used to determine the risk value of the financial data based on the comprehensive risk evaluation value corresponding to each financial dimension data and a preset weight, and determine the risk level of the financial data according to the risk value of the financial data;

[0042] An early warning module, which is used to judge the level of the risk level of the financial data, and issue a corresponding financial risk early warning prompt according to the level of the risk level.

[0043] Compared with the prior art, the multi-dimensional financial analysis method and system according to the embodiments of the present invention have the following beneficial effects:

[0044] By integrating and analyzing the financial data of an enterprise, the present invention can help the enterprise better understand its financial status and operation conditions, and provide data support for decision-making;

[0045] By evaluating and warning the risks of financial data, the enterprise can timely discover potential financial risks and take corresponding risk management measures to reduce the impact of risks on the enterprise;

[0046] By classifying and evaluating the financial data according to preset dimensions, the present invention can more comprehensively understand the risk status of the enterprise in different aspects and formulate risk management strategies targeted;

[0047] Through data analysis and evaluation, the enterprise can make more objective and scientific decisions, reduce the interference of subjective factors, and improve the accuracy and effectiveness of decisions;

[0048] According to the evaluation results of the risk level, the present invention timely issues a risk early warning prompt to help the enterprise management take corresponding risk control and response measures to ensure the stable development of the enterprise;

[0049] Through a systematic risk assessment process, the enterprise can improve work efficiency, reduce risk management costs, and better cope with market fluctuations and challenges;

[0050] Generally speaking, the present invention can help the enterprise establish a set of scientific and effective financial risk assessment and early warning mechanisms, improve the enterprise's risk management level, and ensure the stable operation and sustainable development of the enterprise. Description of the Drawings

[0051] Figure 1It is a schematic flowchart of the multi-dimensional financial analysis method in the embodiments of the present invention;

[0052] Figure 2 It is a schematic diagram of the composition of the multi-dimensional financial analysis system in the embodiments of the present invention. Detailed implementation manners

[0053] The following combines the accompanying drawings and embodiments to further describe the detailed implementation manners of the present application in detail. The following embodiments are used to illustrate the present invention, but are not used to limit the scope of the present invention.

[0054] In the description of the present application, it should be understood that the orientation or positional relationship indicated by the terms "center", "upper", "lower", "front", "rear", "left", "right", "vertical", "horizontal", "top", "bottom", "inner", "outer", etc. is based on the orientation or positional relationship shown in the accompanying drawings, and is only for the convenience of describing the present application and simplifying the description, rather than indicating or implying that the platform or element referred to must have a specific orientation, be constructed and operated in a specific orientation, and therefore cannot be understood as a limitation to the present application.

[0055] The terms "first", "second" are only used for descriptive purposes, and cannot be understood as indicating or implying relative importance or implicitly indicating the number of the indicated technical features. Thus, the features defined with "first", "second" may explicitly or implicitly include one or more of such features. In the description of the present application, unless otherwise specified, the meaning of "a plurality" is two or more.

[0056] In the description of the present application, it should be noted that unless otherwise clearly specified and limited, the terms "installed", "connected", "connected" should be understood in a broad sense. For example, it may be a fixed connection, a detachable connection, or an integral connection; it may be a mechanical connection or an electrical connection; it may be directly connected, or indirectly connected through an intermediate medium, and it may be the communication inside two elements. For those of ordinary skill in the art, the specific meanings of the above terms in the present application can be understood according to specific situations.

[0057] Such as Figure 1As shown, in an embodiment of the present application, a multi-dimensional financial analysis method is provided, including: S100: Obtain the financial data of an enterprise, analyze and classify the financial data according to preset dimensions, and divide the financial data into several types of financial dimension data; S200: Determine the risk evaluation indicators corresponding to each dimension, and analyze and evaluate the financial dimension data based on each risk evaluation indicator to determine the risk evaluation values corresponding to each risk evaluation indicator; S300: Determine the comprehensive risk evaluation values of each financial dimension data based on the risk evaluation values corresponding to each risk evaluation indicator and a preset conversion coefficient; S400: Determine the risk value of the financial data based on the comprehensive risk evaluation values corresponding to each financial dimension data and a preset weight, and determine the risk level of the financial data according to the risk value of the financial data; S500: Judge the level of the risk level of the financial data, and issue corresponding financial risk warning prompts according to the level of the risk level.

[0058] Furthermore, through the integration and analysis of the enterprise's financial data, the present invention can help the enterprise better understand its financial status and operation conditions, providing data support for decision-making; through the risk assessment and early warning of financial data, the enterprise can timely discover potential financial risks and take corresponding risk management measures to reduce the impact of risks on the enterprise; by classifying and evaluating financial data according to preset dimensions, the present invention can more comprehensively understand the risk status of the enterprise in different aspects and formulate targeted risk management strategies; through data analysis and evaluation, the enterprise can make more objective and scientific decisions, reducing the interference of subjective factors and improving the accuracy and effectiveness of decision-making; according to the evaluation results of the risk level, the present invention timely issues risk warning prompts to help the enterprise management take corresponding risk control and response measures to ensure the stable development of the enterprise; through a systematic risk assessment process, the enterprise can improve work efficiency, reduce risk management costs, and better cope with market fluctuations and challenges; overall, the present invention can help the enterprise establish a scientific and effective financial risk assessment and early warning mechanism, improve the enterprise's risk management level, and ensure the stable operation and sustainable development of the enterprise.

[0059] In an embodiment of the present application, a multi-dimensional financial analysis method is provided. The obtaining of the financial data of an enterprise and the analysis and classification of the financial data according to preset dimensions, and dividing the financial data into several types of financial dimension data include: obtaining the financial data of the enterprise, determining the preset dimensions, where the preset dimensions include the profitability dimension, the solvency dimension, the growth ability dimension, and the operation efficiency dimension; analyzing the data types related to the profitability dimension, the solvency dimension, the growth ability dimension, and the operation efficiency dimension in the financial data, and dividing the financial data into profitability data, solvency data, growth ability data, and operation efficiency data according to the data types.

[0060] Specifically, when conducting multi-dimensional financial risk analysis, it is necessary to obtain the financial data of the enterprise and determine the preset dimensions, such as profitability, debt repayment ability, growth ability, and operation efficiency. These dimensions can help comprehensively evaluate the financial performance and risk status of the enterprise in different aspects; the relevant data types for the profitability dimension include: net profit, gross profit, operating income, net profit margin, gross profit margin, etc., which are used to evaluate the profit level and profitability of the enterprise; the relevant data types for the debt repayment ability dimension include: total assets, total liabilities, asset-liability ratio, current ratio, quick ratio, etc., which are used to evaluate the strength of the enterprise's ability to repay debts; the relevant data types for the growth ability dimension include: operating income growth rate, net profit growth rate, asset growth rate, earnings per share, etc.; the relevant data types for the growth ability data include: data such as the operating income growth rate and net profit growth rate of the enterprise, which are used to evaluate the growth potential and development ability of the enterprise; the relevant data types for the operation efficiency dimension include: inventory turnover rate, accounts receivable turnover rate, total asset turnover rate, operating cycle, etc., which are used to evaluate the performance of the enterprise in terms of asset utilization and operation efficiency. This step can comprehensively evaluate the performance of the enterprise in terms of profitability, debt repayment ability, growth ability, and operation efficiency by classifying financial data according to different dimensions, helping the enterprise fully understand its own financial situation; analyzing the data types for each dimension can accurately diagnose the problems and challenges of the enterprise in different aspects, providing strong support for risk management and decision-making; dividing financial data into different categories based on data types helps the enterprise management make decisions based on objective data and reduces the interference of subjective factors; through the analysis of profitability, debt repayment ability, growth ability, and operation efficiency data, the enterprise can timely discover potential risks, formulate corresponding risk control strategies, and improve the enterprise's risk response ability. Generally speaking, multi-dimensional analysis of financial data can provide the enterprise with deeper financial insights, helping the enterprise better manage risks, formulate strategies, and achieve sustainable development.

[0061] In an embodiment of the present application, a multi-dimensional financial analysis method is provided. The method for determining the risk evaluation indicators for each dimension and analyzing and evaluating the financial dimension data based on the risk evaluation indicators to determine the risk evaluation values corresponding to the risk evaluation indicators includes: determining the risk evaluation indicators corresponding to each dimension and determining the values corresponding to the risk evaluation indicators from the financial dimension data; obtaining the standard values of the preset risk evaluation indicators for each dimension and calculating the difference between the value of each risk evaluation indicator and the corresponding standard value; respectively evaluating and taking values for each difference to obtain the risk evaluation values corresponding to the risk evaluation indicators.

[0062] Specifically, this step realizes the quantitative assessment of the enterprise's financial risks by comparing the risk assessment indicators with the standard values, helping the enterprise to more intuitively understand its own risk situation; according to the differences of each risk assessment indicator, the risks and problems existing in the enterprise's profitability, solvency, growth ability and operation efficiency can be quickly identified; customized standard values can be set according to the specific conditions of different enterprises to achieve personalized risk assessment and management; based on the results of the risk assessment values, the enterprise management can formulate risk management strategies and decisions more scientifically, improving the accuracy and effectiveness of the decisions. Generally speaking, the enterprise can more accurately evaluate its risk level under different financial dimensions, formulate risk management measures targeted, and ensure the steady development of the enterprise.

[0063] In the embodiments of the present application, a multi-dimensional financial analysis method is provided. The risk assessment indicators corresponding to each dimension are as follows: the risk assessment indicators corresponding to the profitability dimension are gross profit margin, net profit margin, return on net assets, and return on total assets; the risk assessment indicators corresponding to the solvency dimension are current ratio and asset-liability ratio; the risk assessment indicators corresponding to the growth ability dimension are revenue growth rate, net profit growth rate, and R & D expense rate; the risk assessment indicators corresponding to the operation efficiency dimension are inventory turnover rate, accounts receivable turnover days, and total asset turnover rate.

[0064] In the embodiments of the present application, a multi-dimensional financial analysis method is provided. The comprehensive risk assessment value of each financial dimension data is determined based on the risk assessment values corresponding to each risk assessment indicator and the preset weights, including: obtaining the risk assessment values corresponding to each risk assessment indicator and the preset conversion coefficients corresponding to the risk assessment values; multiplying the risk assessment values of each risk assessment indicator by the preset conversion coefficients of each risk assessment indicator to obtain the comprehensive risk assessment value of each financial dimension data.

[0065] Specifically, according to the differences calculated previously, evaluate and obtain corresponding risk evaluation values for each risk evaluation indicator; set a preset conversion coefficient for each risk evaluation indicator to convert each risk evaluation value to the same magnitude, enabling reasonable calculation of the comprehensive risk evaluation value; multiply the risk evaluation values of each risk evaluation indicator by their corresponding preset conversion coefficients respectively, and then add these products together to obtain the comprehensive risk evaluation value of the financial dimension data. By multiplying the risk evaluation values of each risk evaluation indicator by the preset conversion coefficients to calculate the comprehensive risk evaluation value in this step, it is possible to comprehensively consider the risk situations under multiple financial dimensions and more comprehensively evaluate the risk level of the enterprise; the preset conversion coefficient can be set according to the importance of different risk evaluation indicators, thereby realizing different weight distributions for each indicator in the comprehensive evaluation and making the evaluation more in line with the actual situation; converting the numerical values of the risk evaluation indicators into risk evaluation values and performing weighted summation realizes the quantitative evaluation of the enterprise's financial risks, making the risk assessment more objective and comparable; the comprehensive risk evaluation value can provide important decision-making support for the enterprise management, helping them better understand the overall risk situation of the enterprise and formulate corresponding risk management strategies and measures. Generally speaking, the enterprise can comprehensively consider the risk situations under multiple financial dimensions, more comprehensively understand its own risk situation, and formulate targeted risk management strategies, thereby reducing potential risks and improving the enterprise's risk resistance ability.

[0066] In an embodiment of the present application, a multi-dimensional financial analysis method is provided. Determining the risk value of financial data based on the comprehensive risk evaluation value corresponding to each financial dimension data and the preset weight includes: obtaining the comprehensive risk evaluation value corresponding to each financial dimension data and the preset weight corresponding to each financial dimension data; multiplying the comprehensive risk evaluation value of each financial dimension data by the preset weight of each financial dimension data to calculate the weighted risk value of the financial data; dividing the weighted risk value of the financial data by the number of items of the dimension to obtain the risk value of the financial data.

[0067] Specifically, for the comprehensive risk evaluation values calculated from the financial dimension data, a preset weight is set for each financial dimension data, which is used to allocate weights to the risks of different dimensions in the comprehensive risk assessment; multiply the comprehensive risk evaluation values of each financial dimension data by the corresponding preset weights respectively, and then add these products to obtain the weighted risk value of the financial data; divide the weighted risk value by the number of items in the financial dimension to obtain the risk value of the financial data. This step can comprehensively consider the risk situations of different dimensions by calculating the comprehensive risk values of each financial dimension data, and more comprehensively evaluate the overall risk level of the enterprise; the preset weights can be set according to the importance and influence degree of each financial dimension data, so as to realize different weight allocations for the risks of different dimensions in the comprehensive evaluation, making the evaluation more objective and accurate; by dividing the weighted risk value by the number of items in the financial dimension, the risk value of the financial data can be obtained, which helps the enterprise to more intuitively understand the overall risk level; the calculated risk value of the financial data can provide important decision-making support for the enterprise management, helping them to better formulate risk management strategies and plan the future development direction. Generally speaking, the enterprise can comprehensively consider the risk situations of each financial dimension data, allocate weights to the risks according to the importance of different dimensions, and finally obtain the risk value of the financial data, providing a more comprehensive and objective risk assessment result for the enterprise management, which helps to formulate effective risk management measures and decisions.

[0068] In an embodiment of the present application, a multi-dimensional financial analysis method is provided. Determining the risk level of financial data according to the risk value of the financial data includes: presetting the corresponding relationship between the risk level and the risk value interval. For each risk value interval, a corresponding risk level is associated; obtaining the risk value of the financial data, and based on the mapping relationship of the risk value interval to which the risk value belongs in the corresponding relationship between the risk level and the risk value interval, selecting the risk level corresponding to the risk value interval as the risk level of the financial data.

[0069] Specifically, set corresponding risk value intervals for different risk levels to ensure that each risk value can be mapped to the corresponding risk level; based on the risk value of the financial data calculated previously; according to the interval to which the risk value of the financial data belongs, find the corresponding risk level in the risk level - risk value interval correspondence; select the risk level corresponding to the risk value interval of the financial data as the risk level of the financial data. By mapping the risk value of the financial data to the corresponding risk level, this step can classify the risk values according to certain criteria, making the risk levels more readable and comparable; after mapping the financial data to specific risk levels, the risk level of the financial data can be more intuitively identified, helping the enterprise management better understand the risk situation; determining the risk level of the financial data through the mapping relationship helps to conduct more accurate risk assessments and provide more targeted decision-making support for the enterprise management; based on the risk level of the financial data, a corresponding risk monitoring mechanism can be established to timely monitor and respond to problems that may occur at different risk levels, ensuring the stable operation of the enterprise. Generally speaking, by mapping the risk value of the financial data to the risk level - risk value interval correspondence, the enterprise can more clearly understand the risk level of the financial data, which helps risk management and decision-making, and further improves the enterprise's risk response ability and operation efficiency.

[0070] In an embodiment of the present application, a multi-dimensional financial analysis method is provided. Determine the level of the risk grade of the financial data and issue a corresponding financial risk warning prompt according to the level of the risk grade, including: the risk grade of the financial data, determine the level of the risk grade, and determine the financial risk warning prompt according to the level of the risk grade; if the risk grade is level one, then the corresponding financial risk warning prompt issued is that the financial data shows stability, meets expectations and industry standards; if the risk grade is level two, then the corresponding financial risk warning prompt issued is that the financial data shows slight fluctuations, and it is necessary to deeply analyze the reasons for the fluctuations and adjust the enterprise's business strategy; if the risk grade is level three, then the corresponding financial risk warning prompt issued is that the financial data shows obvious abnormalities, there are potential financial crises, and it is necessary to immediately activate the emergency plan.

[0071] Specifically, according to the risk levels of the financial data calculated previously, classify the risk levels into first-level, second-level, and third-level. Based on the levels of the risk levels, issue corresponding financial risk warning prompts. This step can achieve real-time monitoring and warning of financial data by setting different levels of financial risk levels and combining corresponding financial risk warning prompts, helping enterprises detect risks in a timely manner and take corresponding measures; based on the judgment of the levels of the risk levels, the risk situation of financial data can be evaluated more comprehensively, which helps the enterprise management formulate corresponding risk management strategies; determining corresponding financial risk warning prompts according to different levels of risk levels can provide clear guidance for the enterprise management and help them make decisions and response measures quickly; different levels of financial risk warning prompts can guide the enterprise management to take different risk management measures, so as to more effectively respond to potential financial risks and ensure the stable operation of the enterprise. Generally speaking, by setting different levels of financial risk levels and determining corresponding financial risk warning prompts based on the levels, enterprises can timely understand the risk status of financial data, make quick responses, effectively reduce the impact brought by risks, ensure the stable operation of the enterprise's finances, help improve the enterprise's risk identification and management capabilities, strengthen the enterprise's risk prevention awareness, and enhance the overall operation efficiency.

[0072] As Figure 2 shown, in the embodiment of the present application, a multi-dimensional financial analysis system is provided, including: an acquisition module, configured to acquire the financial data of an enterprise, analyze and classify the financial data according to preset dimensions, and divide the financial data into several types of financial dimension data; an evaluation module, configured to determine the risk evaluation indicators corresponding to each dimension, and analyze and evaluate the financial dimension data based on each risk evaluation indicator to determine the risk evaluation values corresponding to each risk evaluation indicator; a calculation module, configured to determine the comprehensive risk evaluation value of each financial dimension data based on the risk evaluation values corresponding to each risk evaluation indicator and a preset conversion coefficient; a determination module, configured to determine the risk value of the financial data based on the comprehensive risk evaluation values corresponding to each financial dimension data and a preset weight, and determine the risk level of the financial data according to the risk value of the financial data; an early warning module, configured to judge the level of the financial data risk level and issue a corresponding financial risk warning prompt according to the level of the risk level.

[0073] In summary, the embodiments of the present invention provide a multi-dimensional financial analysis method and system, which include: obtaining the financial data of an enterprise, analyzing and classifying it according to preset dimensions to obtain several financial dimension data; determining the risk evaluation indicators corresponding to each dimension, and analyzing and evaluating the financial dimension data based on each risk evaluation indicator to determine the corresponding risk evaluation values; determining the comprehensive risk evaluation values of each financial dimension data based on each risk evaluation value and a preset conversion coefficient; determining the risk value of the financial data based on each comprehensive risk evaluation value and a preset weight, and determining the risk level of the financial data according to the risk value; and sending a corresponding financial risk warning prompt according to the level of the risk level. Through the multi-dimensional analysis of financial data, the present invention not only helps enterprises better discover and understand financial risks, but also provides targeted risk management suggestions and warning prompts, helping enterprises adjust their business strategies in a timely manner to reduce the operational risks of enterprises.

[0074] Finally, it should be noted that: Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalent technologies, the present invention is also intended to include these changes and modifications.

[0075] The above is only one embodiment of the present invention, but it cannot be used to limit the scope of the present invention. Any structural changes made according to the present invention, as long as they do not deviate from the essence of the present invention, should be regarded as falling within the protection scope of the present invention and being restricted. Those skilled in the art can clearly understand that for the convenience and brevity of description, the specific working process and related descriptions of the above-described platform can refer to the corresponding process in the foregoing platform embodiments and will not be repeated here.

[0076] The term "including" or any other similar term is intended to cover non-exclusive inclusion, so that a process, platform, article, or device / platform including a series of elements not only includes those elements, but also includes other elements not explicitly listed, or also includes the elements inherent in these processes, platforms, articles, or devices / platforms.

[0077] So far, the technical solutions of the present invention have been described in conjunction with the further embodiments shown in the drawings. However, it is easy for those skilled in the art to understand that the protection scope of the present invention is obviously not limited to these specific embodiments. Without departing from the principle of the present invention, those skilled in the art can make equivalent changes or substitutions to closely related technical features, and the technical solutions after these changes or substitutions will fall within the protection scope of the present invention.

[0078] The above is only the preferred embodiment of the present invention and is not used to limit the protection scope of the present invention.

Claims

1. A multi-dimensional financial analysis method, characterized in that: include: Obtain the financial data of the enterprise, analyze and classify the financial data according to pre-set dimensions, and divide the financial data into several types of financial dimension data; Determine the risk assessment indicators corresponding to each dimension, and analyze and evaluate the financial dimension data based on each risk assessment indicator to determine the risk assessment value corresponding to each risk assessment indicator; Determine the comprehensive risk assessment value of each financial dimension data based on the risk assessment value corresponding to each risk assessment indicator and the preset conversion coefficient; Determine the risk value of financial data based on the comprehensive risk assessment value and preset weights corresponding to each financial dimension data, and determine the risk level of financial data based on the risk value of financial data; Determine the risk level of financial data and issue corresponding financial risk warning prompts based on the risk level.

2. A multi-dimensional financial analysis method according to claim condition 1, characterized in that: The financial data of the enterprise is obtained, and the financial data is analyzed and classified according to the pre-set dimensions, and the financial data is divided into several types of financial dimension data, including: Obtaining the financial data of the enterprise and determining the pre-set dimensions, wherein the pre-set dimensions include profitability dimension, debt-paying ability dimension, growth ability dimension and operating efficiency dimension; Analyze the data types related to profitability, solvency, growth and operating efficiency dimensions in the financial data, and divide the financial data into profitability data, solvency data, growth data and operating efficiency data according to the data type.

3. A multi-dimensional financial analysis method according to claim condition 2, characterized in that: The step of determining the risk assessment indicators of each dimension, analyzing and evaluating the financial dimension data based on each risk assessment indicator, and determining the risk assessment value corresponding to each risk assessment indicator includes: Determine the risk assessment indicators corresponding to each dimension, and determine the corresponding values ​​of each risk assessment indicator from the financial dimension data; Obtaining the pre-set standard values ​​of each risk assessment indicator, and calculating the difference between the value of each risk assessment indicator and the corresponding standard value; Each difference is evaluated and valued respectively to obtain the risk assessment value corresponding to each risk assessment indicator.

4. A multi-dimensional financial analysis method according to claim condition 3, characterized in that: The risk assessment indicators corresponding to each dimension are: The risk assessment indicators corresponding to the profitability dimension are gross profit margin, net profit margin, return on net assets, and return on total assets; The risk assessment indicators corresponding to the solvency dimension are the current ratio and the debt-to-asset ratio; The risk assessment indicators corresponding to the growth capability dimension are revenue growth rate, net profit growth rate and R&D expense rate; The risk assessment indicators corresponding to the operational efficiency dimension are inventory turnover rate, accounts receivable turnover days and total asset turnover rate.

5. A multi-dimensional financial analysis method according to claim condition 3, characterized in that: The comprehensive risk assessment value of each financial dimension data is determined based on the risk assessment value corresponding to each risk assessment indicator and the preset weight, including: Obtain the risk assessment value corresponding to each risk assessment indicator and the preset conversion coefficient corresponding to the risk assessment value; The risk assessment value of each risk assessment indicator is multiplied by the preset conversion coefficient of each risk assessment indicator to obtain the comprehensive risk assessment value of each financial dimension data.

6. A multi-dimensional financial analysis method according to claim condition 5, characterized in that: The step of determining the risk value of the financial data based on the comprehensive risk assessment value corresponding to each financial dimension data and the preset weight includes: Obtain the comprehensive risk assessment value corresponding to each financial dimension data and the preset weight corresponding to each financial dimension data; The comprehensive risk assessment value of each financial dimension data is multiplied by the preset weight of each financial dimension data to obtain the weighted risk value of the financial data; Divide the weighted risk value of the financial data by the number of items in the dimension to obtain the risk value of the financial data.

7. A multi-dimensional financial analysis method according to claim condition 6, characterized in that: Determining the risk level of the financial data according to the risk value of the financial data includes: Pre-set risk level-risk value interval correspondence For each risk value interval, there is a corresponding risk level associated with it; The risk value of the financial data is obtained, and based on a mapping relationship between the risk value interval to which the risk value belongs and within a risk level-risk value interval correspondence relationship, a risk level corresponding to the risk value interval is selected as the risk level of the financial data.

8. A multi-dimensional financial analysis method according to claim condition 7, characterized in that: The step of determining the risk level of financial data and issuing corresponding financial risk warnings according to the risk level includes: Financial data risk level, and determine the level of risk level, and determine financial risk warning prompts based on the level of risk level; If the risk level is level one, the corresponding financial risk warning will be issued, indicating that the financial data is stable and in line with expectations and industry standards; If the risk level is level 2, a corresponding financial risk warning will be issued, indicating that the financial data has slightly fluctuated, requiring in-depth analysis of the causes of the fluctuations and adjustment of the business strategy; If the risk level is level three, a corresponding financial risk warning will be issued, indicating that the financial data is obviously abnormal and there is a potential financial crisis, and the emergency plan needs to be activated immediately.

9. A multi-dimensional financial analysis system, characterized in that: include: The acquisition module is used to acquire the financial data of the enterprise, analyze and classify the financial data according to the pre-set dimensions, and divide the financial data into several types of financial dimension data; The evaluation module is used to determine the risk evaluation indicators corresponding to each dimension, and analyze and evaluate the financial dimension data based on each risk evaluation indicator to determine the risk evaluation value corresponding to each risk evaluation indicator; A calculation module, used to determine the comprehensive risk assessment value of each financial dimension data based on the risk assessment value corresponding to each risk assessment indicator and a preset conversion coefficient; A determination module, used to determine the risk value of the financial data based on the comprehensive risk assessment value corresponding to each financial dimension data and the preset weight, and determine the risk level of the financial data according to the risk value of the financial data; The early warning module is used to determine the risk level of financial data and issue corresponding financial risk early warning prompts according to the risk level.

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