Enterprise Credit Assessment and Financial Statement Analysis System

Abstract

A corporate credit assessment and financial statement analysis system includes a communication module, a parsing and identification module, and a logic verification module. The communication module receives and transmits information. The parsing and identification module uses a machine learning model to perform image analysis and text recognition on the electronic files of the company's financial statements, and then identifies the columns in the financial statements to generate the financial statements. The logic verification module performs accounting standard consistency checks on the financial statements, comparing multiple financial values ​​for the current year with the corresponding financial values ​​for the previous year. When the increase or decrease rate of any financial value reaches a preset threshold or an abnormal value is detected, an anomaly warning is displayed for the corresponding column.

Claims

1. A corporate credit assessment and financial statement analysis system, installed within a bank mainframe server, comprising a plurality of hardware modules consisting of a plurality of electrically connected hardware circuits, the hardware modules including: A communication module, communicating with multiple member devices; a parsing and identification module, communicating with the communication module, receiving an electronic file of a company's financial statements transmitted by one of the member devices through the communication module; the parsing and identification module uses a machine learning model to perform image parsing and text recognition on the electronic file of the company's financial statements, and then performs field recognition on the company's financial data statements to generate the company's financial data statements; and a logic checking module, communicating with the parsing and identification module and the communication module, receiving the company's financial data statements, performing accounting standard consistency checks on the company's financial data statements, and comparing multiple financial values ​​for the current year with the corresponding financial values ​​for the previous year; when the increase or decrease rate of any financial value reaches a preset threshold or an abnormal value is detected, an abnormal warning mark is added to the field of the financial value.

2. The corporate credit assessment and financial statement analysis system as described in claim 1, wherein the staff devices include head office staff devices or branch staff devices.

3. The enterprise credit assessment and financial statement analysis system as described in claim 1, wherein the parsing and identification module transmits electronic files of the enterprise's financial statements that do not meet a preset condition back to the corresponding employee device through the communication module.

4. The enterprise credit assessment and financial statement analysis system as described in claim 3, wherein the preset conditions include situations where the electronic file of the enterprise's financial statements is not covered by a seal, the text or numbers are blurry, the text or numbers are unclear, or the text or numbers overlap.

5. The enterprise credit assessment and financial statement analysis system as described in Request 1, wherein the enterprise's financial statements include a balance sheet, a statement of changes in equity, a consolidated income statement, and a cash flow statement.

6. The enterprise credit assessment and financial statement analysis system as described in Request 1, wherein the preset threshold is 10%.

Images