import os import time from DBHelper.MongoHelperInstance import DB_GUA from Modules.Models.FinancialIndicatorsModel import FinancialIndicatorsModel from Modules.Models.ScoreAndRankModel import CreditIndexScore, ScoreAndRankModel, refs from Modules.Rating.RatingObjects import RatingRecord from Modules.Rating.RatingUtils import RatingUtils from Modules.Reports.ReportDataModel import ReportDataModel from Modules.Reports.ReportPathImpl import get_gen_report_path from Modules.Reports.ReportPdfImpl import ReportGenerator from Utils.CommonUtil import sub_dict from Utils.ErrorUtil import APIReturnError from Utils.ScoreUtils import ScoreUtils class RatingImpl(object): @staticmethod def before_create(**kwargs): """新建评级前检查""" cid = kwargs["cid"] RatingUtils.check_cid_legal(kwargs["cid"]) rating_info = RatingUtils.in_progress_rating(cid) if rating_info: item = DB_GUA.find_single_data( "评级数据", "评级记录", {"评级ID": rating_info["评级ID"]}, ["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} ) report_dates = list() for item in items: if item["报告期"][5:] == "12-31": report_dates.append(item["报告期"]) # report_dates = report_dates[:1] return_data = dict() return_data["企业名称"] = items[0]["企业名称"] return_data["报告期"] = report_dates 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 = business_info["所在省份"] rating_record.city = 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", "cid", "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"] ) if not paid_capital or not curr_financial_report or not last_financial_report: raise APIReturnError("请求失败; 原因: 财务数据缺失", 202) 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["资产总计"], ba_l["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["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["资产总计"], ba_c["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["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"]) 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["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["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["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": 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": 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": 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": sub_dict( financial_indicators, [ "实收资本(亿元)", "担保业务收入(万元)" ] ), "盈利能力": 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": 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""" cid = kwargs["cid"] report_date = kwargs["report_date"] item = DB_GUA.find_single_data( "企业数据", "风险信息", {"企业ID": cid, "报告期": report_date}, ["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)"] ) result = list() if item: for key in item: data = { "风险因素": key, "数量(近三年)": item[key], "详情": "-" } result.append(data) return result @staticmethod def score_and_rank(**kwargs): """""" rid = kwargs["rid"] rating_record = DB_GUA.find_single_data( "评级数据", "评级记录", {"评级ID": rid}, ["企业ID", "报告期"] ) if rating_record: cid = rating_record["企业ID"] report_date = rating_record["报告期"] else: raise APIReturnError("打分失败; 原因: 不存在此记录", 202) indicators = DB_GUA.find_single_data( "评级数据", "财务分析", {"评级ID": 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(%)" ] ) if not indicators: raise APIReturnError("打分失败; 原因: 不存在财务指标数据", 202) index_score = CreditIndexScore() index_score.score_compensation_rate(indicators["代偿保障率(%)"]) index_score.score_compensation_reserve_ratio(indicators["代偿准备金比率(%)"]) index_score.score_cash_assets_ratio(indicators["现金类资产比率(%)"]) index_score.score_risk_reserve_adequacy_ratio(indicators["风险准备金充足率(%)"]) index_score.score_current_ratio(indicators["流动比率(%)"]) index_score.score_compensation() index_score.score_guaranteed_insured_balance_growth_rate(indicators["担保在保余额增长率(%)"]) index_score.score_guaranteed_revenue_growth_rate(indicators["担保收入增长率(%)"]) index_score.score_growth_rate_of_total_assets(indicators["资产总额增长率(%)"]) index_score.score_growth_ability() index_score.score_single_customer_concentration(indicators["单一客户集中度(%)"]) index_score.score_current_guarantee_compensation_rate(indicators["当期担保代偿率(%)"]) index_score.score_financing_guarantee_magnification(indicators["融资担保放大倍数(倍)"]) index_score.score_industry_concentration(indicators["行业集中度(%)"]) index_score.score_current_compensation_recovery_rate(indicators["当期代偿回收率(%)"]) index_score.score_guaranteed_asset_quality() index_score.score_paid_capital(indicators["实收资本(亿元)"]) index_score.score_guarantee_business_income(indicators["担保业务收入(万元)"]) index_score.score_enterprise_size() index_score.score_return_total_assets(indicators["总资产收益率(%)"]) index_score.score_operating_margin(indicators["营业利润率(%)"]) index_score.score_roe(indicators["净资产收益率(%)"]) index_score.score_profitability() index_score.score_actual_asset_liability_ratio(indicators["实际资产负债率(%)"]) index_score.score_capital_adequacy_ratio(indicators["资本充足率(%)"]) index_score.score_capital_structure() dimension_score = sub_dict(index_score.fields_toggle(), ["代偿能力", "成长能力", "担保资产质量", "企业规模", "盈利能力", "资本结构"]) total_score = round(sum(dimension_score.values()), 2) rank_level = ScoreUtils.eval_rank_level(total_score) score_rank_model = ScoreAndRankModel() score_rank_model.rid = kwargs["rid"] score_rank_model.cid = cid score_rank_model.report_date = report_date score_rank_model.rank_score = total_score score_rank_model.rank_level = rank_level score_rank_model.credit_index_score = index_score score_rank_data = score_rank_model.fields_toggle() DB_GUA.upsert_single_data( "评级数据", "得分级别", {"评级ID": rid}, score_rank_data ) dimensions = { "代偿能力": ["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(%)"], "成长能力": ["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": ["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(%)"], "企业规模": ["实收资本(亿元)", "担保业务收入(万元)"], "盈利能力": ["总资产收益率(%)", "营业利润率(%)", "净资产收益率(%)"], "资本结构": ["实际资产负债率(%)", "资本充足率(%)"] } result = { "信用级别": score_rank_data["信用级别"], "信用得分": score_rank_data["信用得分"], "代偿能力": {"表格": [], "合计": dimension_score["代偿能力"]}, "成长能力": {"表格": [], "合计": dimension_score["成长能力"]}, "担保资产质量": {"表格": [], "合计": dimension_score["担保资产质量"]}, "企业规模": {"表格": [], "合计": dimension_score["企业规模"]}, "盈利能力": {"表格": [], "合计": dimension_score["盈利能力"]}, "资本结构": {"表格": [], "合计": dimension_score["资本结构"]}, } for dimension in dimensions: for i in dimensions[dimension]: data = { "指标": i, "数值": indicators[i], "标准分": refs[i]["weight"], "实际得分": score_rank_data["信用指标得分"][i] } result[dimension]["表格"].append(data) return result @staticmethod def report_data(**kwargs): rid = kwargs["rid"] record_item = DB_GUA.find_single_data( "评级数据", "评级记录", {"评级ID": rid}, ["企业ID", "企业名称", "报告期"] ) if not record_item: raise APIReturnError("该rid不存在", 202) cid = record_item["企业ID"] name = record_item["企业名称"] year = '{}年'.format(int(record_item["报告期"][:4])+1) industry = "货币金融服务" title = '{}-{}-主体信用评价报告'.format(year, name) model = ReportDataModel() result = model.mock_report_data( rid=rid, cid=cid, name=name, year=year, industry=industry, title=title ) return result @staticmethod def edit_report_data(**kwargs): rid = kwargs['rid'] content = kwargs['content'] DB_GUA.update_single_data( '评级数据', '报告数据', {'评级ID': rid}, {'报告内容': content, '生成日期': time.strftime('%Y-%m-%d', time.localtime())} ) @staticmethod def report_file(**kwargs): rid = kwargs["rid"] record_item = DB_GUA.find_single_data( "评级数据", "报告数据", {"评级ID": rid}, ["企业名称", "报告内容", "报告标题"] ) if not record_item: raise APIReturnError("该rid不存在", 202) record_item['生成日期'] = time.strftime('%Y-%m-%d', time.localtime()) report_file_name = '{}.pdf'.format(record_item['报告标题']) pdf_report = ReportGenerator(name=report_file_name, text_model=record_item) pdf_report.gen_report() file_id = DB_GUA.upsert_file( '评级数据', '报告PDF', report_file_name ) DB_GUA.upsert_single_data( "评级数据", "评级记录", {"评级ID": rid}, {"评级报告": file_id} ) report_path = get_gen_report_path(name=report_file_name) os.remove(report_path) # 保存PDF报告成功，返回FileID;保存PDF报告文件失败，返回False return file_id if file_id else False @staticmethod def submit(**kwargs): """""" rid = kwargs["rid"] item = DB_GUA.find_single_data( "评级数据", "得分级别", {"评级ID": rid}, ["信用得分", "信用级别"] ) item["评级时间"] = time.strftime("%Y-%m-%d %H:%M:%S", time.localtime()) item["评级状态"] = "完成" record = RatingRecord() record.set_instance(data=item) DB_GUA.update_single_data( "评级数据", "评级记录", {"评级ID": rid}, record.fields_toggle() ) @staticmethod def delete(**kwargs): """"""