365 lines
12 KiB
Python
365 lines
12 KiB
Python
from DBHelper.MongoHelperInstance import DB_GUA
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from Modules.Models.FinancialIndicatorsModel import FinancialIndicatorsModel
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from Modules.Rating.RatingObjects import RatingRecord
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from Modules.Rating.RatingUtils import RatingUtils
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from Utils import CommonUtil
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class RatingImpl(object):
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@staticmethod
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def before_create(**kwargs):
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"""新建评级前检查"""
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cid = kwargs["cid"]
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RatingUtils.check_cid_legal(kwargs["cid"])
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rid = RatingUtils.in_progress_rating(cid)
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if rid:
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item = DB_GUA.find_single_data(
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"评级数据",
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"评级记录",
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{"评级ID": rid},
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["企业名称", "报告期"]
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)
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return_data = dict()
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return_data["企业名称"] = item["企业名称"]
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return_data["报告期"] = item["报告期"]
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else:
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items = DB_GUA.find_all_data_with_single_sort(
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"企业数据",
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"财务数据",
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{"企业ID": cid},
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["企业名称", "报告期"],
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{"报告期": -1}
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)
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return_data = dict()
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return_data["企业名称"] = items[0]["企业名称"]
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return_data["报告期"] = [item["报告期"] for item in items]
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return return_data
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@staticmethod
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def create(**kwargs):
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"""新建评级"""
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cid = kwargs["cid"]
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report_date = kwargs["report_date"]
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existed_rating = RatingUtils.in_progress_rating(cid)
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# 继续评级
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if existed_rating:
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return existed_rating, "继续评级"
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# 开始评级
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else:
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business_info = DB_GUA.find_single_data(
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"企业数据",
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"工商信息",
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{"企业ID": cid},
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["企业名称", "所在省份", "所在城市"]
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)
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rating_record = RatingRecord()
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rating_record.rid = RatingUtils.make_new_rid()
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rating_record.report_date = report_date
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rating_record.status = "进行"
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rating_record.cid = cid
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rating_record.company_name = business_info["企业名称"]
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rating_record.province_and_city = business_info["所在省份"] + business_info["所在城市"]
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DB_GUA.insert_single_data(
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"评级数据",
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"评级记录",
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rating_record.fields_toggle()
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)
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return rating_record.fields_toggle(fields=["rid", "company_name", "report_date"]), "开始评级"
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@staticmethod
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def financial_analysis(**kwargs):
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"""财务分析"""
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rid = kwargs['rid']
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cid = kwargs['cid']
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report_date = kwargs['report_date']
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paid_capital = DB_GUA.find_single_column(
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"企业数据",
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"工商信息",
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{"企业ID": cid},
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"实缴资本（万元）"
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)
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curr_financial_report = DB_GUA.find_single_data(
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"企业数据",
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"财务数据",
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{"企业ID": cid, "报告期": report_date},
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["资产负债表", "利润表", "补充数据表"]
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)
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last_financial_report = DB_GUA.find_single_data(
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"企业数据",
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"财务数据",
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{"企业ID": cid, "报告期": RatingUtils.last_report_date(report_date)},
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["资产负债表", "利润表", "补充数据表"]
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)
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ba_c = curr_financial_report["资产负债表"]
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pr_c = curr_financial_report["利润表"]
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ap_c = curr_financial_report["补充数据表"]
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ba_l = last_financial_report["资产负债表"]
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pr_l = last_financial_report["利润表"]
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ap_l = last_financial_report["补充数据表"]
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model = FinancialIndicatorsModel()
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model.rid = rid
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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["非流动资产"]["资产总计"],
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ba_c["非流动资产"]["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["非流动资产"]["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["非流动资产"]["资产总计"],
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ba_c["非流动资产"]["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["非流动负债"]["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["非流动资产"]["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["非流动资产"]["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["非流动资产"]["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["非流动资产"]["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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financial_indicators = model.fields_toggle()
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DB_GUA.upsert_single_data(
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"评级数据",
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"财务分析",
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{"评级ID": rid},
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financial_indicators
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)
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return_data = {
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"代偿能力": CommonUtil.sub_dict(
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financial_indicators,
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[
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"代偿保障率(%)",
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"代偿准备金比率(%)",
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"现金类资产比率(%)",
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"风险准备金充足率(%)",
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"流动比率(%)",
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"现金类资产代偿保障率(%)",
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"保证金比率(%)"
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]
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),
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"成长能力": CommonUtil.sub_dict(
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financial_indicators,
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[
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"担保在保余额增长率(%)",
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"担保收入增长率(%)",
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"资产总额增长率(%)"
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]
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),
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"担保资产质量": CommonUtil.sub_dict(
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financial_indicators,
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[
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"客户集中度(%)",
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"单一客户集中度(%)",
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"当期担保代偿率(%)",
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"融资担保放大倍数(倍)",
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"行业集中度(%)",
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"当期代偿回收率(%)",
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"近三年累计担保代偿率(%)",
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"近三年累计代偿回收率(%)",
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"风险覆盖率(%)"
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]
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),
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"企业规模": CommonUtil.sub_dict(
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financial_indicators,
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[
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"实收资本（亿元）",
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"担保业务收入(万元)"
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]
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),
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"盈利能力": CommonUtil.sub_dict(
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financial_indicators,
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[
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"总资产收益率(%)",
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"营业利润率(%)",
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"净资产收益率(%)",
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"投资业务收入占比(%)",
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"投资收益增长率(%)",
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"担保业务收入占比(%)"
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]
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),
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"资本结构": CommonUtil.sub_dict(
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financial_indicators,
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[
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"实际资产负债率(%)",
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"资本充足率(%)",
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"I类资产占比(%)",
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"II类资产占比(%)",
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"III类资产占比(%)"
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]
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)
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}
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return return_data
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@staticmethod
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def risk_analysis(**kwargs):
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""""""
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@staticmethod
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def score_and_rank(**kwargs):
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""""""
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@staticmethod
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def rank_report(**kwargs):
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""""""
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@staticmethod
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def submit(**kwargs):
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""""""
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@staticmethod
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def delete(**kwargs):
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""""""
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