Changes
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90d26a8fb7
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@ -130,153 +130,38 @@ class RatingImpl(object):
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model.cid = cid
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model.report_date = report_date
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model.eval_guaranteed_insured_balance_growth_rate(
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ap_c["担保在保余额"],
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ap_l["担保在保余额"]
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)
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model.eval_guaranteed_revenue_growth_rate(
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ap_c["当期担保业务收入"],
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ap_c["上期担保业务收入"]
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)
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model.eval_growth_rate_of_total_assets(
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ba_c["资产总计"],
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ba_l["资产总计"]
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)
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model.eval_cash_assets_ratio(
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ba_c["流动资产"]["货币资金"],
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ba_c["非流动资产"]["可供出售金融资产"],
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ap_c["存出保证金"],
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ap_c["存入保证金"],
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ba_c["资产总计"]
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)
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model.eval_current_ratio(
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ba_c["流动资产"]["流动资产合计"],
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ba_c["流动负债"]["流动负债合计"]
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)
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model.eval_compensation_reserve_ratio(
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ap_c["当期代偿金额"],
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ap_c["未到期责任准备金"],
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ap_c["担保赔偿准备金"]
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)
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model.eval_compensation_rate(
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ba_c["流动资产"]["货币资金"],
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ba_c["非流动资产"]["可供出售金融资产"],
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ap_c["存出保证金"],
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ap_c["存入保证金"],
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ap_c["最大被担保企业融资担保责任余额"]
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)
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model.eval_risk_reserve_adequacy_ratio(
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ap_c["融资担保责任余额"],
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ap_c["担保赔偿准备金"],
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ap_c["未到期责任准备金"],
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ba_c["所有者权益"]["一般风险准备金"]
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)
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model.eval_single_customer_concentration(
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ap_c["最大被担保企业融资担保责任余额"],
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ap_c["融资担保责任余额"]
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)
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model.eval_current_guarantee_compensation_rate(
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ap_c["当期代偿金额"],
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ap_c["当期解除担保责任余额"]
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)
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model.eval_current_compensation_recovery_rate(
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ap_c["当期代偿回收金额"],
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ap_c["当期代偿金额"]
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)
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model.eval_financing_guarantee_magnification(
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ap_c["融资担保责任余额"],
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ba_c["所有者权益"]["所有者权益合计"]
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)
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model.eval_industry_concentration(
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ap_c["最大单一行业融资担保责任余额"],
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ap_c["融资担保责任余额"]
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)
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model.eval_return_total_assets(
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pr_c["净利润"],
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ba_l["资产总计"],
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ba_c["资产总计"]
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)
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model.eval_operating_margin(
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pr_c["营业利润"],
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pr_c["投资收益"],
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pr_c["公允价值变动收益"],
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pr_c["营业总收入"]
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)
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model.eval_roe(
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pr_c["净利润"],
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ba_c["所有者权益"]["所有者权益合计"],
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ba_l["所有者权益"]["所有者权益合计"]
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)
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model.eval_actual_asset_liability_ratio(
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ba_c["负债合计"],
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ap_c["未到期责任准备金"],
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ap_c["担保赔偿准备金"],
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ba_c["资产总计"]
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)
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model.eval_capital_adequacy_ratio(
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ba_c["所有者权益"]["所有者权益合计"],
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ap_c["风险加权资产"]
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)
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model.eval_paid_capital(
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paid_capital
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)
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model.eval_guarantee_business_income(
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ap_c["当期担保业务收入"]
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)
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model.eval_cumulative_guarantee_compensation_rate(
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ap_c["近三年累计代偿金额"],
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ap_c["近三年累计解除担保责任金额"]
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)
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model.eval_cumulative_compensation_recovery_rate(
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ap_c["近三年累计代偿回收金额"],
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ap_c["近三年累计代偿金额"]
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)
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model.eval_risk_coverage_ratio(
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ap_c["担保赔偿准备金"],
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ap_c["近三年累计代偿金额"]
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)
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model.eval_cash_asset_compensation_rate(
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ba_c["流动资产"]["货币资金"],
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ba_c["非流动资产"]["可供出售金融资产"],
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ap_c["存出保证金"],
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ap_c["存入保证金"],
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ap_c["融资担保责任余额"]
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)
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model.eval_margin_ratio(
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ap_c["存入保证金"],
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ap_c["存出保证金"]
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)
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model.eval_proportion_investment_business_income(
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pr_c["投资收益"],
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pr_c["营业总收入"]
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)
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model.eval_investment_income_growth_rate(
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pr_l["投资收益"],
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pr_c["投资收益"]
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)
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model.eval_customer_concentration(
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ap_c["前五大被担保企业融资担保责任余额"],
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ap_c["融资担保责任余额"]
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)
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model.eval_proportion_income_guarantee_business(
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ap_c["当期担保业务收入"],
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pr_c["营业总收入"]
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)
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model.eval_one_proportion_class_assets(
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ap_c["I类资产"],
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ba_c["资产总计"],
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ba_c["流动资产"]["应收代偿款"]
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)
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model.eval_two_proportion_class_assets(
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ap_c["II类资产"],
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ba_c["资产总计"],
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ba_c["流动资产"]["应收代偿款"]
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)
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model.eval_three_proportion_class_assets(
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ap_c["III类资产"],
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ba_c["资产总计"],
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ba_c["流动资产"]["应收代偿款"]
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)
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model.eval_guaranteed_insured_balance_growth_rate(ap_c["担保在保余额"], ap_l["担保在保余额"])
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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"])
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model.eval_growth_rate_of_total_assets(ba_c["资产总计"], ba_l["资产总计"])
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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["资产总计"])
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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"])
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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"])
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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"])
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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"])
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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"])
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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"])
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model.eval_current_compensation_recovery_rate(ap_c["当期代偿回收金额"], ap_c["当期代偿金额"])
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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"])
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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"])
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model.eval_return_total_assets(pr_c["净利润"], ba_l["资产总计"], ba_c["资产总计"])
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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"])
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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"])
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model.eval_actual_asset_liability_ratio(ba_c["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["资产总计"])
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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"])
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model.eval_paid_capital(paid_capital)
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model.eval_guarantee_business_income(ap_c["当期担保业务收入"])
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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"])
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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"])
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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"])
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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"])
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model.eval_margin_ratio(ap_c["存入保证金"], ap_c["存出保证金"])
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model.eval_proportion_investment_business_income(pr_c["投资收益"], pr_c["营业总收入"])
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model.eval_investment_income_growth_rate(pr_l["投资收益"], pr_c["投资收益"])
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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"])
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model.eval_proportion_income_guarantee_business(ap_c["当期担保业务收入"], pr_c["营业总收入"])
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model.eval_one_proportion_class_assets(ap_c["I类资产"], ba_c["资产总计"], ba_c["流动资产"]["应收代偿款"])
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model.eval_two_proportion_class_assets(ap_c["II类资产"], ba_c["资产总计"], ba_c["流动资产"]["应收代偿款"])
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model.eval_three_proportion_class_assets(ap_c["III类资产"], ba_c["资产总计"], ba_c["流动资产"]["应收代偿款"])
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financial_indicators = model.fields_toggle()
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@ -358,40 +243,27 @@ class RatingImpl(object):
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def risk_analysis(**kwargs):
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"""风险分析"""
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demo = [
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{
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"风险因素": "失信人",
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"数量(近三年)": 10,
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"详情": "-"
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},
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{
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"风险因素": "限制消费令",
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"数量(近三年)": 10,
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"详情": "-"
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},
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{
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"风险因素": "终本案件",
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"数量(近三年)": 10,
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"详情": "-"
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},
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{
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"风险因素": "行政处罚",
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"数量(近三年)": 10,
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"详情": "-"
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},
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{
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"风险因素": "被执行人",
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"数量(近三年)": 10,
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"详情": "-"
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},
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{
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"风险因素": "法律诉讼(被告)",
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"数量(近三年)": 10,
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"详情": "-"
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},
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]
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cid = kwargs["cid"]
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report_date = kwargs["report_date"]
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return demo
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item = DB_GUA.find_single_data(
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"企业数据",
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"风险信息",
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{"企业ID": cid, "报告期": report_date},
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["失信被执行人", "被执行人", "终本案件", "限制消费令", "行政处罚", "法律诉讼(被告)"]
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)
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result = list()
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if item:
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for key in item:
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data = {
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"风险因素": key,
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"数量(近三年)": item[key],
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"详情": "-"
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}
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result.append(data)
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return result
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@staticmethod
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def score_and_rank(**kwargs):
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@ -79,10 +79,17 @@ def financial_analysis_routes(**kwargs):
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@verify_token
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def risk_analysis_route(**kwargs):
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"""风险分析"""
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try:
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RouteParamsCheck(req=request.args, params=['cid', 'report_date']).required()
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impl = RatingImpl()
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result = impl.risk_analysis()
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return {"info": "风险分析", "result": result}
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cid = request.args["cid"]
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report_date = request.args["report_date"]
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impl = RatingImpl()
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result = impl.risk_analysis(cid=cid, report_date=report_date)
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return {"info": "风险分析", "result": result}
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except APIReturnError as e:
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return {"info": e.__str__()}, e.status_code
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@rating_route.route('/score_and_rank', methods=['GET'])
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@ -90,12 +97,14 @@ def risk_analysis_route(**kwargs):
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def score_and_rank_route(**kwargs):
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"""得分级别"""
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rid = request.args['rid']
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impl = RatingImpl()
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result = impl.score_and_rank(rid=rid)
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return {"info": "得分级别", "result": result}
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try:
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RouteParamsCheck(req=request.args, params=['rid']).required()
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rid = request.args['rid']
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impl = RatingImpl()
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result = impl.score_and_rank(rid=rid)
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return {"info": "得分级别", "result": result}
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except APIReturnError as e:
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return {"info": e.__str__()}, e.status_code
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@rating_route.route('/rank_report', methods=['GET'])
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