新增

1.财务分析接口

Modules/Models/FinancialIndicatorsModel.py

@@ -7,9 +7,9 @@ from Utils.ValidateUtil import ValidateAttr, Validate
 
 class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
 
-    rid = ValidateAttr(field="cid", type=str)
+    rid = ValidateAttr(field="rid", type=str)
     cid = ValidateAttr(field="cid", type=str)
-    report_date = ValidateAttr(field="cid", func=Validate.date_format)
+    report_date = ValidateAttr(field="report_date", func=Validate.date_format)
 
     fields_map = {
         "rid": "评级ID",
@@ -52,12 +52,14 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
     def eval_guaranteed_insured_balance_growth_rate(self, *args):
         """
         担保在保余额增长率(%)
-        公式: 担保在保余额增长率 = 期末担保在保余额 / 期初担保在保余额
+        公式: 担保在保余额增长率 = (期末担保在保余额 - 期初担保在保余额) / 期初担保在保余额
         args[0]: 期末担保在保余额
         args[1]: 期初担保在保余额
         """
         try:
-            self.guaranteed_insured_balance_growth_rate = (args[0] / args[1]) * 100
+            value = ((args[0]-args[1]) / args[1]) * 100
+            value = round(value, 2)
+            self.guaranteed_insured_balance_growth_rate = value
         except TypeError or ZeroDivisionError:
             self.guaranteed_insured_balance_growth_rate = None
 
@@ -69,19 +71,23 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         args[1]: 上期担保业务收入
         """
         try:
-            self.guaranteed_revenue_growth_rate = ((args[0]-args[1]) / args[1]) * 100
+            value = ((args[0]-args[1]) / args[1]) * 100
+            value = round(value, 2)
+            self.guaranteed_revenue_growth_rate = value
         except TypeError or ZeroDivisionError:
             self.guaranteed_revenue_growth_rate = None
 
     def eval_growth_rate_of_total_assets(self, *args):
         """
         资产总额增长率(%)
-        公式: 资产总额 = 期末资产总额 / 期初资产总额
+        公式: 资产总额 = (期末资产总额 - 期初资产总额) / 期初资产总额
         args[0]: 期末资产总额
         args[1]: 期初资产总额
         """
         try:
-            self.growth_rate_of_total_assets = (args[0] / args[1]) * 100
+            value = ((args[0] - args[1]) / args[1]) * 100
+            value = round(value, 2)
+            self.growth_rate_of_total_assets = value
         except TypeError or ZeroDivisionError:
             self.growth_rate_of_total_assets = None
 
@@ -96,7 +102,9 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         args[4]: 资产总额
         """
         try:
-            self.cash_assets_ratio = ((args[0]+args[1]+args[2]-args[3]) / args[4]) * 100
+            value = ((args[0]+args[1]+args[2]-args[3]) / args[4]) * 100
+            value = round(value, 2)
+            self.cash_assets_ratio = value
         except TypeError or ZeroDivisionError:
             self.cash_assets_ratio = None
 
@@ -108,7 +116,9 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         args[1]: 流动负债合计
         """
         try:
-            self.current_ratio = (args[0] / args[1]) * 100
+            value = (args[0] / args[1]) * 100
+            value = round(value, 2)
+            self.current_ratio = value
         except TypeError or ZeroDivisionError:
             self.current_ratio = None
 
@@ -116,12 +126,14 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         代偿准备金比率(%)
         公式: 代偿准备金比率 = 当期代偿金额 /（未到期责任准备金+担保赔偿准备金）
-        args[1]: 当期代偿金额
-        args[2]: 未到期责任准备金
-        args[3]: 担保赔偿准备金
+        args[0]: 当期代偿金额
+        args[1]: 未到期责任准备金
+        args[2]: 担保赔偿准备金
         """
         try:
-            self.compensation_reserve_ratio = (args[1] / (args[2]+args[3])) * 100
+            value = (args[0] / (args[1]+args[2])) * 100
+            value = round(value, 2)
+            self.compensation_reserve_ratio = value
         except TypeError or ZeroDivisionError:
             self.compensation_reserve_ratio = None
 
@@ -129,14 +141,16 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         代偿保障率(%)
         公式: 代偿保障率 ＝ (货币资金+可供出售金融资产+存出保证金-存入保证金) / 最大被担保企业融资担保责任余额
-        args[1]: 货币资金
-        args[2]: 可供出售金融资产
-        args[3]: 存出保证金
-        args[4]: 存入保证金
-        args[5]: 最大被担保企业融资担保责任余额
+        args[0]: 货币资金
+        args[1]: 可供出售金融资产
+        args[2]: 存出保证金
+        args[3]: 存入保证金
+        args[4]: 最大被担保企业融资担保责任余额
         """
         try:
-            self.compensation_rate = ((args[1]+args[2]+args[3]-args[4]) / args[5]) * 100
+            value = ((args[0]+args[1]+args[2]-args[3]) / args[4]) * 100
+            value = round(value, 2)
+            self.compensation_rate = value
         except TypeError or ZeroDivisionError:
             self.compensation_rate = None
 
@@ -145,13 +159,15 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         风险准备金充足率(%)
         公式: 风险准备金充足率＝担保风险准备金余额 / 融资担保责任余额
         其中：担保风险准备金余额=担保赔偿准备金+未到期责任准备金+一般风险准备金
-        args[1]: 担保赔偿准备金
-        args[2]: 未到期责任准备金
-        args[3]: 一般风险准备金
-        args[4]: 融资担保责任余额
+        args[0]: 担保赔偿准备金
+        args[1]: 未到期责任准备金
+        args[2]: 一般风险准备金
+        args[3]: 融资担保责任余额
         """
         try:
-            self.risk_reserve_adequacy_ratio = ((args[1]+args[2]+args[3]) / args[4]) * 100
+            value = ((args[0]+args[1]+args[2]) / args[3]) * 100
+            value = round(value, 2)
+            self.risk_reserve_adequacy_ratio = value
         except TypeError or ZeroDivisionError:
             self.risk_reserve_adequacy_ratio = None
 
@@ -159,11 +175,13 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         单一客户集中度(%)
         公式: 单一客户集中度 = 最大被担保企业融资担保责任余额 / 融资担保责任余额
-        args[1]: 最大被担保企业融资担保责任余额
-        args[2]: 融资担保责任余额
+        args[0]: 最大被担保企业融资担保责任余额
+        args[1]: 融资担保责任余额
         """
         try:
-            self.single_customer_concentration = (args[1] / args[2]) * 100
+            value = (args[0] / args[1]) * 100
+            value = round(value, 2)
+            self.single_customer_concentration = value
         except TypeError or ZeroDivisionError:
             self.single_customer_concentration = None
 
@@ -171,11 +189,13 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         当期担保代偿率(%)
         公式: 当期担保代偿率 = 当期代偿金额 / 当期解除担保责任余额
-        args[1]: 当期代偿金额
-        args[2]: 当期解除担保责任余额
+        args[0]: 当期代偿金额
+        args[1]: 当期解除担保责任余额
         """
         try:
-            self.current_guarantee_compensation_rate = (args[1] / args[2]) * 100
+            value = (args[0] / args[1]) * 100
+            value = round(value, 2)
+            self.current_guarantee_compensation_rate = value
         except TypeError or ZeroDivisionError:
             self.current_guarantee_compensation_rate = None
 
@@ -183,11 +203,13 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         当期代偿回收率(%)
         公式: 当期代偿回收率 = 当期代偿回收金额 / 当期代偿金额
-        args[1]: 当期代偿回收金额
-        args[2]: 当期代偿金额
+        args[0]: 当期代偿回收金额
+        args[1]: 当期代偿金额
         """
         try:
-            self.current_compensation_recovery_rate = (args[1] / args[2]) * 100
+            value = (args[0] / args[1]) * 100
+            value = round(value, 2)
+            self.current_compensation_recovery_rate = value
         except TypeError or ZeroDivisionError:
             self.current_compensation_recovery_rate = None
 
@@ -195,11 +217,13 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         融资担保放大倍数(倍)
         公式: 融资担保放大倍数 ＝ 融资担保责任余额 / 净资产
-        args[1]: 融资担保责任余额
-        args[2]: 净资产
+        args[0]: 融资担保责任余额
+        args[1]: 净资产
         """
         try:
-            self.financing_guarantee_magnification = args[1] / args[2]
+            value = args[0] / args[1]
+            value = round(value, 2)
+            self.financing_guarantee_magnification = value
         except TypeError or ZeroDivisionError:
             self.financing_guarantee_magnification = None
 
@@ -207,11 +231,13 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         行业集中度(%)
         公式: 行业集中度 = 最大单一行业融资担保责任余额 / 融资担保责任余额
-        args[1]: 最大单一行业融资担保责任余额
-        args[2]: 融资担保责任余额
+        args[0]: 最大单一行业融资担保责任余额
+        args[1]: 融资担保责任余额
         """
         try:
-            self.industry_concentration = (args[1] / args[2]) * 100
+            value = (args[0] / args[1]) * 100
+            value = round(value, 2)
+            self.industry_concentration = value
         except TypeError or ZeroDivisionError:
             self.industry_concentration = None
 
@@ -219,12 +245,14 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         总资产收益率(%)
         公式: 总资产收益率 = 净利润 / (期初资产总额+期末资产总额)/2
-        args[1]: 净利润
-        args[2]: 期初资产总额
-        args[3]: 期末资产总额
+        args[0]: 净利润
+        args[1]: 期初资产总额
+        args[2]: 期末资产总额
         """
         try:
-            self.return_total_assets = (args[1] / (args[2]+args[3])/2) * 100
+            value = (args[0] / (args[1]+args[2])/2) * 100
+            value = round(value, 2)
+            self.return_total_assets = value
         except TypeError or ZeroDivisionError:
             self.return_total_assets = None
 
@@ -232,13 +260,15 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         营业利润率(%)
         公式: 营业利润率 =（营业利润-投资收益-公允价值变动收益）/ 营业收入
-        args[1]: 营业利润
-        args[2]: 投资收益
-        args[3]: 公允价值变动收益
-        args[4]: 营业收入
+        args[0]: 营业利润
+        args[1]: 投资收益
+        args[2]: 公允价值变动收益
+        args[3]: 营业收入
         """
         try:
-            self.operating_margin = ((args[1]-args[2]-args[3]) / args[4]) * 100
+            value = ((args[0]-args[1]-args[2]) / args[3]) * 100
+            value = round(value, 2)
+            self.operating_margin = value
         except TypeError or ZeroDivisionError:
             self.operating_margin = None
 
@@ -246,12 +276,14 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         净资产收益率(%)
         公式: 净资产收益率 = 净利润 / (期初净资产+期末净资产)/2
-        args[1]: 净利润
-        args[2]: 期初净资产
-        args[3]: 期末净资产
+        args[0]: 净利润
+        args[1]: 期初净资产
+        args[2]: 期末净资产
         """
         try:
-            self.roe = (args[1] / (args[2]+args[3])/2) * 100
+            value = (args[0] / (args[1]+args[2])/2) * 100
+            value = round(value, 2)
+            self.roe = value
         except TypeError or ZeroDivisionError:
             self.roe = None
 
@@ -259,13 +291,15 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         实际资产负债率(%)
         公式: 实际资产负债率 = (负债合计-未到期责任准备金-担保赔偿准备金) / 资产总额
-        args[1]: 负债合计
-        args[2]: 未到期责任准备金
-        args[3]: 担保赔偿准备金
-        args[4]: 资产总额
+        args[0]: 负债合计
+        args[1]: 未到期责任准备金
+        args[2]: 担保赔偿准备金
+        args[3]: 资产总额
         """
         try:
-            self.actual_asset_liability_ratio = ((args[1]-args[2]-args[3]) / args[4]) * 100
+            value = ((args[0]-args[1]-args[2]) / args[3]) * 100
+            value = round(value, 2)
+            self.actual_asset_liability_ratio = value
         except TypeError or ZeroDivisionError:
             self.actual_asset_liability_ratio = None
 
@@ -273,11 +307,13 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         资本充足率(%)
         公式: 资本充足率 ＝ 净资产 / 风险加权资产
-        args[1]: 净资产
-        args[2]: 风险加权资产
+        args[0]: 净资产
+        args[1]: 风险加权资产
         """
         try:
-            self.capital_adequacy_ratio = (args[1] / args[2]) * 100
+            value = (args[0] / args[1]) * 100
+            value = round(value, 2)
+            self.capital_adequacy_ratio = value
         except TypeError or ZeroDivisionError:
             self.capital_adequacy_ratio = None
 
@@ -285,10 +321,12 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         实收资本（亿元）
         公式: 即实缴资本
-        args[1]: 实缴资本
+        args[0]: 实缴资本
         """
         try:
-            self.paid_capital = args[1]
+            value = args[0]/10000
+            value = round(value, 2)
+            self.paid_capital = value
         except TypeError or ZeroDivisionError:
             self.paid_capital = None
 
@@ -296,10 +334,12 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         担保业务收入(万元)
         公式: 即当期担保业务收入
-        args[1]: 担保业务收入
+        args[0]: 担保业务收入
         """
         try:
-            self.guarantee_business_income = args[1]
+            value = args[0]
+            value = round(value, 2)
+            self.guarantee_business_income = value
         except TypeError or ZeroDivisionError:
             self.guarantee_business_income = None
 
@@ -307,11 +347,13 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         近三年累计担保代偿率(%)
         公式: 近三年累计担保代偿率 ＝ 近三年累计代偿金额 / 近三年累计解除担保责任金额
-        args[1]: 近三年累计代偿金额
-        args[2]: 近三年累计解除担保责任金额
+        args[0]: 近三年累计代偿金额
+        args[1]: 近三年累计解除担保责任金额
         """
         try:
-            self.cumulative_guarantee_compensation_rate = (args[1] / args[2]) * 100
+            value = (args[0] / args[1]) * 100
+            value = round(value, 2)
+            self.cumulative_guarantee_compensation_rate = value
         except TypeError or ZeroDivisionError:
             self.cumulative_guarantee_compensation_rate = None
 
@@ -319,11 +361,13 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         近三年累计代偿回收率(%)
         公式: 近三年累计代偿回收率 ＝ 近三年累计代偿回收金额 / 近三年累计代偿金额
-        args[1]: 近三年累计代偿回收金额
-        args[2]: 近三年累计代偿金额
+        args[0]: 近三年累计代偿回收金额
+        args[1]: 近三年累计代偿金额
         """
         try:
-            self.cumulative_compensation_recovery_rate = (args[1] / args[2]) * 100
+            value = (args[0] / args[1]) * 100
+            value = round(value, 2)
+            self.cumulative_compensation_recovery_rate = value
         except TypeError or ZeroDivisionError:
             self.cumulative_compensation_recovery_rate = None
 
@@ -331,11 +375,13 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         风险覆盖率(%)
         公式: 风险覆盖率 ＝ 担保赔偿准备金 / 近三年累计代偿金额
-        args[1]: 担保赔偿准备金
-        args[2]: 近三年累计代偿金额
+        args[0]: 担保赔偿准备金
+        args[1]: 近三年累计代偿金额
         """
         try:
-            self.risk_coverage_ratio = (args[1] / args[2]) * 100
+            value = (args[0] / args[1]) * 100
+            value = round(value, 2)
+            self.risk_coverage_ratio = value
         except TypeError or ZeroDivisionError:
             self.risk_coverage_ratio = None
 
@@ -343,14 +389,16 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         现金类资产代偿保障率(%)
         公式: 现金类资产代偿保障率 ＝ (货币资金+可供出售金融资产+存出保证金-存入保证金) / 融资担保责任余额
-        args[1]: 货币资金
-        args[2]: 可供出售金融资产
-        args[3]: 存出保证金
-        args[4]: 存入保证金
-        args[5]: 融资担保责任余额
+        args[0]: 货币资金
+        args[1]: 可供出售金融资产
+        args[2]: 存出保证金
+        args[3]: 存入保证金
+        args[4]: 融资担保责任余额
         """
         try:
-            self.cash_asset_compensation_rate = ((args[1]+args[2]+args[3]-args[4]) / args[5]) * 100
+            value = ((args[0]+args[1]+args[2]-args[3]) / args[4]) * 100
+            value = round(value, 2)
+            self.cash_asset_compensation_rate = value
         except TypeError or ZeroDivisionError:
             self.cash_asset_compensation_rate = None
 
@@ -358,11 +406,13 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         保证金比率(%)
         公式: 保证金比率 = 存入保证金 / 存出保证金
-        args[1]: 存入保证金
-        args[2]: 存出保证金
+        args[0]: 存入保证金
+        args[1]: 存出保证金
         """
         try:
-            self.margin_ratio = (args[1] / args[2]) * 100
+            value = (args[0] / args[1]) * 100
+            value = round(value, 2)
+            self.margin_ratio = value
         except TypeError or ZeroDivisionError:
             self.margin_ratio = None
 
@@ -370,11 +420,13 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         投资业务收入占比(%)
         公式: 投资业务收入占比 = 投资业务收入 / 营业收入
-        args[1]: 投资业务收入
-        args[2]: 营业收入
+        args[0]: 投资业务收入
+        args[1]: 营业收入
         """
         try:
-            self.proportion_investment_business_income = (args[1] / args[2]) * 100
+            value = (args[0] / args[1]) * 100
+            value = round(value, 2)
+            self.proportion_investment_business_income = value
         except TypeError or ZeroDivisionError:
             self.proportion_investment_business_income = None
 
@@ -382,11 +434,13 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         投资收益增长率(%)
         公式: 投资收益增长率 = 期末投资收益 / 期初投资收益
-        args[1]: 期末投资收益
-        args[2]: 期初投资收益
+        args[0]: 期末投资收益
+        args[1]: 期初投资收益
         """
         try:
-            self.investment_income_growth_rate = (args[1] / args[2]) * 100
+            value = (args[0] / args[1]) * 100
+            value = round(value, 2)
+            self.investment_income_growth_rate = value
         except TypeError or ZeroDivisionError:
             self.investment_income_growth_rate = None
 
@@ -394,11 +448,13 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         客户集中度(%)
         公式: 客户集中度 ＝ 前五大被担保企业融资担保责任余额 / 融资担保责任余额
-        args[1]: 前五大被担保企业融资担保责任余额
-        args[2]: 融资担保责任余额
+        args[0]: 前五大被担保企业融资担保责任余额
+        args[1]: 融资担保责任余额
         """
         try:
-            self.customer_concentration = (args[1] / args[2]) * 100
+            value = (args[0] / args[1]) * 100
+            value = round(value, 2)
+            self.customer_concentration = value
         except TypeError or ZeroDivisionError:
             self.customer_concentration = None
 
@@ -406,11 +462,13 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         担保业务收入占比(%)
         公式: 担保业务收入占比 = 当期担保业务收入 / 营业收入
-        args[1]: 当期担保业务收入
-        args[2]: 营业收入
+        args[0]: 当期担保业务收入
+        args[1]: 营业收入
         """
         try:
-            self.proportion_income_guarantee_business = (args[1] / args[2]) * 100
+            value = (args[0] / args[1]) * 100
+            value = round(value, 2)
+            self.proportion_income_guarantee_business = value
         except TypeError or ZeroDivisionError:
             self.proportion_income_guarantee_business = None
 
@@ -418,12 +476,14 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         I类资产占比(%)
         公式: I类资产占比 = I类资产 /（资产总额-应收代偿款）
-        args[1]: I类资产
-        args[2]: 资产总额
-        args[3]: 应收代偿款
+        args[0]: I类资产
+        args[1]: 资产总额
+        args[2]: 应收代偿款
         """
         try:
-            self.one_proportion_class_assets = (args[1] / (args[2]-args[3])) * 100
+            value = (args[0] / (args[1]-args[2])) * 100
+            value = round(value, 2)
+            self.one_proportion_class_assets = value
         except TypeError or ZeroDivisionError:
             self.one_proportion_class_assets = None
 
@@ -431,12 +491,14 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         II类资产占比(%)
         公式: II类资产占比 = II类资产 /（资产总额-应收代偿款）
-        args[1]: II类资产
-        args[2]: 资产总额
-        args[3]: 应收代偿款
+        args[0]: II类资产
+        args[1]: 资产总额
+        args[2]: 应收代偿款
         """
         try:
-            self.two_proportion_class_assets = (args[1] / (args[2]-args[3])) * 100
+            value = (args[0] / (args[1]-args[2])) * 100
+            value = round(value, 2)
+            self.two_proportion_class_assets = value
         except TypeError or ZeroDivisionError:
             self.two_proportion_class_assets = None
 
@@ -444,11 +506,13 @@ class FinancialIndicatorsModel(FinancialData.FinancialIndicator):
         """
         III类资产占比(%)
         公式: III类资产占比 = III类资产 /（资产总额-应收代偿款）
-        args[1]: III类资产
-        args[2]: 资产总额
-        args[3]: 应收代偿款
+        args[0]: III类资产
+        args[1]: 资产总额
+        args[2]: 应收代偿款
         """
         try:
-            self.three_proportion_class_assets = (args[1] / (args[2]-args[3])) * 100
+            value = (args[0] / (args[1]-args[2])) * 100
+            value = round(value, 2)
+            self.three_proportion_class_assets = value
         except TypeError or ZeroDivisionError:
             self.three_proportion_class_assets = None

Modules/Rating/RatingImpl.py

@@ -2,6 +2,7 @@ from DBHelper.MongoHelperInstance import DB_GUA
 from Modules.Models.FinancialIndicatorsModel import FinancialIndicatorsModel
 from Modules.Rating.RatingObjects import RatingRecord
 from Modules.Rating.RatingUtils import RatingUtils
+from Utils import CommonUtil
 
 
 class RatingImpl(object):
@@ -77,70 +78,270 @@ class RatingImpl(object):
 
     @staticmethod
     def financial_analysis(**kwargs):
-        """"""
+        """财务分析"""
 
         rid = kwargs['rid']
         cid = kwargs['cid']
         report_date = kwargs['report_date']
 
-        data_c = DB_GUA.find_single_data(
+        paid_capital = DB_GUA.find_single_column(
+            "企业数据",
+            "工商信息",
+            {"企业ID": cid},
+            "实缴资本（万元）"
+        )
+
+        curr_financial_report = DB_GUA.find_single_data(
             "企业数据",
             "财务数据",
             {"企业ID": cid, "报告期": report_date},
             ["资产负债表", "利润表", "补充数据表"]
         )
 
-        data_l = DB_GUA.find_single_data(
+        last_financial_report = DB_GUA.find_single_data(
             "企业数据",
             "财务数据",
             {"企业ID": cid, "报告期": RatingUtils.last_report_date(report_date)},
             ["资产负债表", "利润表", "补充数据表"]
         )
 
-        ba_c = data_c["资产负债表"]
-        pr_c = data_c["利润表"]
-        ap_c = data_c["补充数据表"]
+        ba_c = curr_financial_report["资产负债表"]
+        pr_c = curr_financial_report["利润表"]
+        ap_c = curr_financial_report["补充数据表"]
 
-        ba_l = data_l["资产负债表"]
-        pr_l = data_l["利润表"]
-        ap_l = data_l["补充数据表"]
+        ba_l = last_financial_report["资产负债表"]
+        pr_l = last_financial_report["利润表"]
+        ap_l = last_financial_report["补充数据表"]
 
         model = FinancialIndicatorsModel()
 
-        model.eval_guaranteed_insured_balance_growth_rate(ap_c["担保在保余额"], ap_l["担保在保余额"])
-        model.eval_guaranteed_revenue_growth_rate(ap_c["当期担保业务收入"], ap_c["上期担保业务收入"])
-        model.eval_growth_rate_of_total_assets(ba_c["资产总计"], ba_c["资产总计"])
-        model.eval_cash_assets_ratio(ap_c["货币资金"], ap_c["可供出售金融资产"], ap_c["存出保证金"], ap_c["存入保证金"], ap_c["资产总额"])
-        model.eval_current_ratio(ba_c["流动资产合计"], ba_c["流动负债合计"])
-        model.eval_compensation_reserve_ratio(ap_c["当期代偿金额"], ap_c["未到期责任准备金"], ap_c["担保赔偿准备金"])
-        model.eval_compensation_rate(ba_c["货币资金"], ba_c["可供出售金融资产"], ap_c["存出保证金"], ap_c["存入保证金"], ap_c["最大被担保企业融资担保责任余额"])
-        model.eval_risk_reserve_adequacy_ratio(ap_c["融资担保责任余额"], ap_c["担保赔偿准备金"], ap_c["未到期责任准备金"], ap_c["一般风险准备金"])
-        model.eval_single_customer_concentration(ap_c["最大被担保企业融资担保责任余额"], ap_c["融资担保责任余额"])
-        model.eval_current_guarantee_compensation_rate(ap_c["当期代偿金额"], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_current_compensation_recovery_rate(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_financing_guarantee_magnification(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_industry_concentration(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_return_total_assets(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_operating_margin(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_roe(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_actual_asset_liability_ratio(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_capital_adequacy_ratio(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_paid_capital(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_guarantee_business_income(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_cumulative_guarantee_compensation_rate(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_cumulative_compensation_recovery_rate(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_risk_coverage_ratio(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_cash_asset_compensation_rate(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_margin_ratio(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_proportion_investment_business_income(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_investment_income_growth_rate(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_customer_concentration(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_proportion_income_guarantee_business(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_one_proportion_class_assets(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_two_proportion_class_assets(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
-        model.eval_three_proportion_class_assets(ap_c[""], ap_c[""], ap_c[""], ap_c[""], ap_c[""])
+        model.rid = rid
+        model.cid = cid
+        model.report_date = report_date
 
-        model.fields_toggle()
+        model.eval_guaranteed_insured_balance_growth_rate(
+            ap_c["担保在保余额"],
+            ap_l["担保在保余额"]
+        )
+        model.eval_guaranteed_revenue_growth_rate(
+            ap_c["当期担保业务收入"],
+            ap_c["上期担保业务收入"]
+        )
+        model.eval_growth_rate_of_total_assets(
+            ba_c["非流动资产"]["资产总计"],
+            ba_c["非流动资产"]["资产总计"]
+        )
+        model.eval_cash_assets_ratio(
+            ba_c["流动资产"]["货币资金"],
+            ba_c["非流动资产"]["可供出售金融资产"],
+            ap_c["存出保证金"],
+            ap_c["存入保证金"],
+            ba_c["非流动资产"]["资产总计"]
+        )
+        model.eval_current_ratio(
+            ba_c["流动资产"]["流动资产合计"],
+            ba_c["流动负债"]["流动负债合计"]
+        )
+        model.eval_compensation_reserve_ratio(
+            ap_c["当期代偿金额"],
+            ap_c["未到期责任准备金"],
+            ap_c["担保赔偿准备金"]
+        )
+        model.eval_compensation_rate(
+            ba_c["流动资产"]["货币资金"],
+            ba_c["非流动资产"]["可供出售金融资产"],
+            ap_c["存出保证金"],
+            ap_c["存入保证金"],
+            ap_c["最大被担保企业融资担保责任余额"]
+        )
+        model.eval_risk_reserve_adequacy_ratio(
+            ap_c["融资担保责任余额"],
+            ap_c["担保赔偿准备金"],
+            ap_c["未到期责任准备金"],
+            ba_c["所有者权益"]["一般风险准备金"]
+        )
+        model.eval_single_customer_concentration(
+            ap_c["最大被担保企业融资担保责任余额"],
+            ap_c["融资担保责任余额"]
+        )
+        model.eval_current_guarantee_compensation_rate(
+            ap_c["当期代偿金额"],
+            ap_c["当期解除担保责任余额"]
+        )
+        model.eval_current_compensation_recovery_rate(
+            ap_c["当期代偿回收金额"],
+            ap_c["当期代偿金额"]
+        )
+        model.eval_financing_guarantee_magnification(
+            ap_c["融资担保责任余额"],
+            ba_c["所有者权益"]["所有者权益合计"]
+        )
+        model.eval_industry_concentration(
+            ap_c["最大单一行业融资担保责任余额"],
+            ap_c["融资担保责任余额"]
+        )
+        model.eval_return_total_assets(
+            pr_c["净利润"],
+            ba_l["非流动资产"]["资产总计"],
+            ba_c["非流动资产"]["资产总计"]
+        )
+        model.eval_operating_margin(
+            pr_c["营业利润"],
+            pr_c["投资收益"],
+            pr_c["公允价值变动收益"],
+            pr_c["营业总收入"]
+        )
+        model.eval_roe(
+            pr_c["净利润"],
+            ba_c["所有者权益"]["所有者权益合计"],
+            ba_l["所有者权益"]["所有者权益合计"]
+        )
+        model.eval_actual_asset_liability_ratio(
+            ba_c["非流动负债"]["负债合计"],
+            ap_c["未到期责任准备金"],
+            ap_c["担保赔偿准备金"],
+            ba_c["非流动资产"]["资产总计"]
+        )
+        model.eval_capital_adequacy_ratio(
+            ba_c["所有者权益"]["所有者权益合计"],
+            ap_c["风险加权资产"]
+        )
+        model.eval_paid_capital(
+            paid_capital
+        )
+        model.eval_guarantee_business_income(
+            ap_c["当期担保业务收入"]
+        )
+        model.eval_cumulative_guarantee_compensation_rate(
+            ap_c["近三年累计代偿金额"],
+            ap_c["近三年累计解除担保责任金额"]
+        )
+        model.eval_cumulative_compensation_recovery_rate(
+            ap_c["近三年累计代偿回收金额"],
+            ap_c["近三年累计代偿金额"]
+        )
+        model.eval_risk_coverage_ratio(
+            ap_c["担保赔偿准备金"],
+            ap_c["近三年累计代偿金额"]
+        )
+        model.eval_cash_asset_compensation_rate(
+            ba_c["流动资产"]["货币资金"],
+            ba_c["非流动资产"]["可供出售金融资产"],
+            ap_c["存出保证金"],
+            ap_c["存入保证金"],
+            ap_c["融资担保责任余额"]
+        )
+        model.eval_margin_ratio(
+            ap_c["存入保证金"],
+            ap_c["存出保证金"]
+        )
+        model.eval_proportion_investment_business_income(
+            pr_c["投资收益"],
+            pr_c["营业总收入"]
+        )
+        model.eval_investment_income_growth_rate(
+            pr_l["投资收益"],
+            pr_c["投资收益"]
+        )
+        model.eval_customer_concentration(
+            ap_c["前五大被担保企业融资担保责任余额"],
+            ap_c["融资担保责任余额"]
+        )
+        model.eval_proportion_income_guarantee_business(
+            ap_c["当期担保业务收入"],
+            pr_c["营业总收入"]
+        )
+        model.eval_one_proportion_class_assets(
+            ap_c["I类资产"],
+            ba_c["非流动资产"]["资产总计"],
+            ba_c["流动资产"]["应收代偿款"]
+        )
+        model.eval_two_proportion_class_assets(
+            ap_c["II类资产"],
+            ba_c["非流动资产"]["资产总计"],
+            ba_c["流动资产"]["应收代偿款"]
+        )
+        model.eval_three_proportion_class_assets(
+            ap_c["III类资产"],
+            ba_c["非流动资产"]["资产总计"],
+            ba_c["流动资产"]["应收代偿款"]
+        )
+
+        financial_indicators = model.fields_toggle()
+
+        DB_GUA.upsert_single_data(
+            "评级数据",
+            "财务分析",
+            {"评级ID": rid},
+            financial_indicators
+        )
+
+        return_data = {
+            "代偿能力": CommonUtil.sub_dict(
+                financial_indicators,
+                [
+                    "代偿保障率(%)",
+                    "代偿准备金比率(%)",
+                    "现金类资产比率(%)",
+                    "风险准备金充足率(%)",
+                    "流动比率(%)",
+                    "现金类资产代偿保障率(%)",
+                    "保证金比率(%)"
+                ]
+            ),
+            "成长能力": CommonUtil.sub_dict(
+                financial_indicators,
+                [
+                    "担保在保余额增长率(%)",
+                    "担保收入增长率(%)",
+                    "资产总额增长率(%)"
+                ]
+            ),
+            "担保资产质量": CommonUtil.sub_dict(
+                financial_indicators,
+                [
+                    "客户集中度(%)",
+                    "单一客户集中度(%)",
+                    "当期担保代偿率(%)",
+                    "融资担保放大倍数(倍)",
+                    "行业集中度(%)",
+                    "当期代偿回收率(%)",
+                    "近三年累计担保代偿率(%)",
+                    "近三年累计代偿回收率(%)",
+                    "风险覆盖率(%)"
+                ]
+            ),
+            "企业规模": CommonUtil.sub_dict(
+                financial_indicators,
+                [
+                    "实收资本（亿元）",
+                    "担保业务收入(万元)"
+                ]
+            ),
+            "盈利能力": CommonUtil.sub_dict(
+                financial_indicators,
+                [
+                    "总资产收益率(%)",
+                    "营业利润率(%)",
+                    "净资产收益率(%)",
+                    "投资业务收入占比(%)",
+                    "投资收益增长率(%)",
+                    "担保业务收入占比(%)"
+                ]
+            ),
+            "资本结构": CommonUtil.sub_dict(
+                financial_indicators,
+                [
+                    "实际资产负债率(%)",
+                    "资本充足率(%)",
+                    "I类资产占比(%)",
+                    "II类资产占比(%)",
+                    "III类资产占比(%)"
+                ]
+            )
+        }
+
+        return return_data
 
     @staticmethod
     def risk_analysis(**kwargs):

Modules/Rating/RatingRoutes.py

@@ -57,16 +57,16 @@ def financial_analysis_routes(**kwargs):
     """财务分析"""
 
     try:
-        RouteParamsCheck(req=request.args, params=['rid', 'cid', 'mode', 'report_date']).required()
+        RouteParamsCheck(req=request.args, params=['rid', 'cid', 'report_date']).required()
 
         rid = request.args['rid']
         cid = request.args['cid']
         report_date = request.args['report_date']
 
         impl = RatingImpl()
-        impl.financial_analysis(rid=rid, cid=cid, report_date=report_date)
+        result = impl.financial_analysis(rid=rid, cid=cid, report_date=report_date)
 
-        return "111"
+        return {"info": "财务分析", "result": result}
     except AssertionError as e:
         return {"info": e.__str__()}, 200
     except AttrCheckError as e: