from DBHelper.MongoHelperInstance import DB_GUA from Modules.Models.FinancialIndicatorsModel import FinancialIndicatorsModel from Modules.Models.ScoreAndRankModel import CreditIndexScore, ScoreAndRankModel from Modules.Rating.RatingObjects import RatingRecord from Modules.Rating.RatingUtils import RatingUtils from Utils import CommonUtil class RatingImpl(object): @staticmethod def before_create(**kwargs): """新建评级前检查""" cid = kwargs["cid"] RatingUtils.check_cid_legal(kwargs["cid"]) rid = RatingUtils.in_progress_rating(cid) if rid: item = DB_GUA.find_single_data( "评级数据", "评级记录", {"评级ID": rid}, ["企业名称", "报告期"] ) return_data = dict() return_data["企业名称"] = item["企业名称"] return_data["报告期"] = item["报告期"] else: items = DB_GUA.find_all_data_with_single_sort( "企业数据", "财务数据", {"企业ID": cid}, ["企业名称", "报告期"], {"报告期": -1} ) return_data = dict() return_data["企业名称"] = items[0]["企业名称"] return_data["报告期"] = [item["报告期"] for item in items] return return_data @staticmethod def create(**kwargs): """新建评级""" cid = kwargs["cid"] report_date = kwargs["report_date"] existed_rating = RatingUtils.in_progress_rating(cid) # 继续评级 if existed_rating: return existed_rating, "继续评级" # 开始评级 else: business_info = DB_GUA.find_single_data( "企业数据", "工商信息", {"企业ID": cid}, ["企业名称", "所在省份", "所在城市"] ) rating_record = RatingRecord() rating_record.rid = RatingUtils.make_new_rid() rating_record.report_date = report_date rating_record.status = "进行" rating_record.cid = cid rating_record.company_name = business_info["企业名称"] rating_record.province_and_city = business_info["所在省份"] + business_info["所在城市"] DB_GUA.insert_single_data( "评级数据", "评级记录", rating_record.fields_toggle() ) return rating_record.fields_toggle(fields=["rid", "company_name", "report_date"]), "开始评级" @staticmethod def financial_analysis(**kwargs): """财务分析""" rid = kwargs['rid'] cid = kwargs['cid'] report_date = kwargs['report_date'] 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"] ) 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 = 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 = 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.rid = rid model.cid = cid model.report_date = report_date 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): """风险分析""" demo = { "info": "风险分析", "result": [ { "风险因素": "失信人", "数量（近三年）": 10, "详情": "-" }, { "风险因素": "限制消费令", "数量（近三年）": 10, "详情": "-" }, { "风险因素": "终本案件", "数量（近三年）": 10, "详情": "-" }, { "风险因素": "行政处罚", "数量（近三年）": 10, "详情": "-" }, { "风险因素": "被执行人", "数量（近三年）": 10, "详情": "-" }, { "风险因素": "法律诉讼（被告）", "数量（近三年）": 10, "详情": "-" }, ] } return demo @staticmethod def score_and_rank(**kwargs): """""" indicators = DB_GUA.find_single_data( "评级数据", "财务分析", {"评级ID": kwargs['rid']}, [ "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(%)", "担保在保余额增长率(%)", "担保收入增长率(%)", "资产总额增长率(%)", "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(%)", "实收资本(亿元)", "担保业务收入(万元)", "总资产收益率(%)", "营业利润率(%)", "净资产收益率(%)", "实际资产负债率(%)", "资本充足率(%)" ] ) index = CreditIndexScore() index.score_compensation_rate(indicators["代偿保障率(%)"]) index.score_compensation_reserve_ratio(indicators["代偿准备金比率(%)"]) index.score_cash_assets_ratio(indicators["现金类资产比率(%)"]) index.score_risk_reserve_adequacy_ratio(indicators["风险准备金充足率(%)"]) index.score_current_ratio(indicators["流动比率(%)"]) index.score_compensation() index.score_guaranteed_insured_balance_growth_rate(indicators["担保在保余额增长率(%)"]) index.score_guaranteed_revenue_growth_rate(indicators["担保收入增长率(%)"]) index.score_growth_rate_of_total_assets(indicators["资产总额增长率(%)"]) index.score_growth_ability() index.score_single_customer_concentration(indicators["单一客户集中度(%)"]) index.score_current_guarantee_compensation_rate(indicators["当期担保代偿率(%)"]) index.score_financing_guarantee_magnification(indicators["融资担保放大倍数(倍)"]) index.score_industry_concentration(indicators["行业集中度(%)"]) index.score_current_compensation_recovery_rate(indicators["当期代偿回收率(%)"]) index.score_guaranteed_asset_quality() index.score_paid_capital(indicators["实收资本(亿元)"]) index.score_guarantee_business_income(indicators["担保业务收入(万元)"]) index.score_enterprise_size() index.score_return_total_assets(indicators["总资产收益率(%)"]) index.score_operating_margin(indicators["营业利润率(%)"]) index.score_roe(indicators["净资产收益率(%)"]) index.score_profitability() index.score_actual_asset_liability_ratio(indicators["实际资产负债率(%)"]) index.score_capital_adequacy_ratio(indicators["资本充足率(%)"]) index.score_capital_structure() model = ScoreAndRankModel() model.rid = "" model.cid = "" model.report_date = "" model.rank_score = "" model.rank_level = "" return 0 @staticmethod def rank_report(**kwargs): """""" @staticmethod def submit(**kwargs): """""" @staticmethod def delete(**kwargs): """"""