# core/external_score.py from __future__ import annotations from typing import Dict, Any, List, Tuple import pandas as pd __all__ = [ "get_external_template_df", "fill_missing_with_external", "score_external_from_df", "apply_llm_signals_to_df", ] _TEMPLATE_ROWS: List[Tuple[str, str]] = [ # 成長性をより定量化 ("成長率","市場CAGR(%)"), ("成長率","売上_期3(最新期)"), ("成長率","売上_期2"), ("成長率","売上_期1(最古期)"), ("成長率","営業利益_期3(最新期)"), ("成長率","営業利益_期2"), ("成長率","営業利益_期1(最古期)"), ("成長率","主力商品数"), ("成長率","成長中主力商品数"), # 経営者能力 ("経営者能力","予実達成率_3年平均(%)"), ("経営者能力","監査・内部統制の重大な不備 件数(過去3年)"), ("経営者能力","重大コンプライアンス件数(過去3年)"), ("経営者能力","社外取締役比率(%)"), ("経営者能力","代表者の業界経験年数"), ("経営者能力","現預金(円)"), ("経営者能力","月商(円)"), ("経営者能力","担保余力評価額(円)"), ("経営者能力","倒産歴の有無(TRUE/FALSE)"), ("経営者能力","倒産からの経過年数"), ("経営者能力","重大事件・事故件数(過去10年)"), # 安定性 ("安定性","自己資本比率(%)"), ("安定性","利益剰余金(円)"), ("安定性","支払遅延件数(直近12ヶ月)"), ("安定性","不渡り件数(直近12ヶ月)"), ("安定性","平均支払遅延日数"), ("安定性","メインバンク明確か(TRUE/FALSE)"), ("安定性","借入先数"), ("安定性","メインバンク借入シェア(%)"), ("安定性","コミットメントライン等の長期与信枠あり(TRUE/FALSE)"), ("安定性","担保余力評価額(円)"), ("安定性","月商(円)_再掲"), ("安定性","主要顧客上位1社売上比率(%)"), ("安定性","主要顧客上位3社売上比率(%)"), ("安定性","主要顧客の平均信用スコア(0-100)"), ("安定性","不良債権件数(直近12ヶ月)"), ("安定性","業歴(年)"), # 公平性 ("公平性・総合世評","有価証券報告書提出企業か(TRUE/FALSE)"), ("公平性・総合世評","決算公告や官報での公開あり(TRUE/FALSE)"), ("公平性・総合世評","HP/IRサイトで財務資料公開あり(TRUE/FALSE)"), ("公平性・総合世評","直近更新が定め通りか(TRUE/FALSE)"), ] def get_external_template_df() -> pd.DataFrame: return pd.DataFrame([(c,i,"") for c,i in _TEMPLATE_ROWS], columns=["カテゴリー","入力項目","値"]) def fill_missing_with_external(df: pd.DataFrame, company: str = "", country: str = "") -> pd.DataFrame: return df.copy() # === LLMの抽出結果をテンプレに反映 === def apply_llm_signals_to_df(df: pd.DataFrame, signals: Dict[str, Any]) -> pd.DataFrame: df2 = df.copy() def setv(field: str, val): m = df2["入力項目"].eq(field) if m.any(): df2.loc[m, "値"] = "" if val is None else val if signals: mkt = signals.get("market", {}) prod = signals.get("products", {}) setv("市場CAGR(%)", mkt.get("cagr_pct")) setv("主力商品数", prod.get("count")) setv("成長中主力商品数", prod.get("growing_count")) return df2 # ===== スコア計算 ===== _WEIGHTS = { # 成長の定量性を強化 ("成長率","市場成長率"): 12, ("成長率","売上高伸長性"): 10, ("成長率","利益伸長性"): 10, ("成長率","商品"): 6, ("経営者能力","経営姿勢"): 8, ("経営者能力","事業経験"): 5, ("経営者能力","資産担保力"): 6, ("経営者能力","減点事項"): 7, ("安定性","自己資本"): 8, ("安定性","決済振り"): 10, ("安定性","金融取引"): 6, ("安定性","資産担保余力"): 6, ("安定性","取引先"): 6, ("安定性","業歴"): 4, ("公平性・総合世評","ディスクロージャー"): 8, } _WEIGHT_NORM = 100.0 / float(sum(_WEIGHTS.values())) def _clamp(v, a, b): return max(a, min(b, v)) def _add(items, cat, name, raw, weight, reason): if raw is None: raw = 5.0 items.append({ "category": cat, "name": name, "raw": round(raw,2), "weight": round(weight*_WEIGHT_NORM,2), "score": round((raw/10.0)*weight*_WEIGHT_NORM,2), "reason": reason }) def _to_float(x): if x is None: return None try: return float(str(x).replace(",","").replace("▲","-").replace("△","-")) except Exception: return None def _to_bool(x): if x is None: return None s = str(x).strip().lower() if s in ("true","t","1","yes","y","有","あり"): return True if s in ("false","f","0","no","n","無","なし"): return False return None def _ratio(a,b): if a is None or b is None or b == 0: return None return a/b def _ramp(x, good, bad, lo=0.0, hi=10.0, neutral=None): if x is None: return neutral if neutral is not None else (lo+hi)/2.0 if good > bad: if x <= bad: return lo if x >= good: return hi return lo + (hi-lo) * (x-bad)/(good-bad) else: if x >= bad: return lo if x <= good: return hi return lo + (hi-lo) * (x-good)/(bad-good) def score_external_from_df(df: pd.DataFrame) -> Dict[str, Any]: def ref(label: str): m = df["入力項目"].eq(label) return df.loc[m, "値"].values[0] if m.any() else None items = [] # ---- 成長率(定量) ---- market_cagr=_to_float(ref("市場CAGR(%)")) s1=_to_float(ref("売上_期1(最古期)")); s2=_to_float(ref("売上_期2")); s3=_to_float(ref("売上_期3(最新期)")) p1=_to_float(ref("営業利益_期1(最古期)")); p2=_to_float(ref("営業利益_期2")); p3=_to_float(ref("営業利益_期3(最新期)")) prod_n=_to_float(ref("主力商品数")); prod_g=_to_float(ref("成長中主力商品数")) def cagr(v1, v3): if v1 is None or v3 is None or v1 <= 0: return None try: return (v3/v1)**(1/2) - 1.0 except Exception: return None s_cagr = cagr(s1, s3); p_cagr = cagr(p1, p3) # 市場CAGR 12%で満点、-3%で0点(景気循環を意識しやや厳しめ) _add(items,"成長率","市場成長率", _ramp(market_cagr,12,-3), _WEIGHTS[("成長率","市場成長率")], f"市場CAGR {market_cagr if market_cagr is not None else '—'}%") _add(items,"成長率","売上高伸長性", _ramp(s_cagr,0.10,-0.05), _WEIGHTS[("成長率","売上高伸長性")], f"CAGR売上{round((s_cagr or 0)*100,1) if s_cagr is not None else '—'}%") _add(items,"成長率","利益伸長性", _ramp(p_cagr,0.10,-0.05), _WEIGHTS[("成長率","利益伸長性")], f"CAGR営業{round((p_cagr or 0)*100,1) if p_cagr is not None else '—'}%") # 製品ポートフォリオの定量化(成長中比率) grow_ratio = _ratio(prod_g, prod_n) _add(items,"成長率","商品", _ramp(grow_ratio,0.6,0.1), _WEIGHTS[("成長率","商品")], f"成長中比率{round((grow_ratio or 0)*100,1) if grow_ratio is not None else '—'}%") # ---- 経営者能力 ---- yoy3=_to_float(ref("予実達成率_3年平均(%)")) audit_bad=_to_float(ref("監査・内部統制の重大な不備 件数(過去3年)")) comp_bad=_to_float(ref("重大コンプライアンス件数(過去3年)")) indep=_to_float(ref("社外取締役比率(%)")) exp_years=_to_float(ref("代表者の業界経験年数")) cash=_to_float(ref("現預金(円)")) sales_m=_to_float(ref("月商(円)")) collat=_to_float(ref("担保余力評価額(円)")) has_bk=_to_bool(ref("倒産歴の有無(TRUE/FALSE)")) bk_years=_to_float(ref("倒産からの経過年数")) incidents=_to_float(ref("重大事件・事故件数(過去10年)")) cash_to_ms=_ratio(cash, sales_m) mg_att = (_ramp(yoy3, 90,50)+_ramp(0 if not audit_bad else -audit_bad,0,-3)+_ramp(0 if not comp_bad else -comp_bad,0,-2)+_ramp(indep,33,0))/4 _add(items,"経営者能力","経営姿勢",mg_att,_WEIGHTS[("経営者能力","経営姿勢")],f"予実{yoy3 or '—'}%/監査{audit_bad or 0}/違反{comp_bad or 0}/社外{indep or '—'}%") mg_exp = _ramp(exp_years if exp_years is not None else 5.0, 15, 0) _add(items,"経営者能力","事業経験",mg_exp,_WEIGHTS[("経営者能力","事業経験")],f"経験{exp_years if exp_years is not None else '不明→中立'}年") mg_asset = _ramp(cash_to_ms, 1.5, 0.2) _add(items,"経営者能力","資産担保力",mg_asset,_WEIGHTS[("経営者能力","資産担保力")],f"現預金/月商≈{round(cash_to_ms,2) if cash_to_ms else '—'}") if incidents and incidents>0: pen=0.0; rs=f"重大事故{int(incidents)}件→大幅減点" elif has_bk: pen=6.0 if (bk_years and bk_years>=10) else 3.0; rs=f"倒産歴あり({bk_years or '不明'}年)" else: pen=10.0; rs="事故/倒産なし" _add(items,"経営者能力","減点事項",pen,_WEIGHTS[("経営者能力","減点事項")],rs) # ---- 安定性 ---- equity=_to_float(ref("自己資本比率(%)")) delay_cnt=_to_float(ref("支払遅延件数(直近12ヶ月)")) boun_cnt=_to_float(ref("不渡り件数(直近12ヶ月)")) delay_days=_to_float(ref("平均支払遅延日数")) mainbank=_to_bool(ref("メインバンク明確か(TRUE/FALSE)")) main_share=_to_float(ref("メインバンク借入シェア(%)")) has_line=_to_bool(ref("コミットメントライン等の長期与信枠あり(TRUE/FALSE)")) coll_to_ms=_ratio(_to_float(ref("担保余力評価額(円)")), _to_float(ref("月商(円)_再掲")) or sales_m) _add(items,"安定性","自己資本", _ramp(equity,40,5), _WEIGHTS[("安定性","自己資本")], f"自己資本比率{equity or '—'}%") if (delay_cnt is not None) or (boun_cnt is not None) or (delay_days is not None): sc=( _ramp(- (delay_cnt or 0),0,-6) + _ramp(- (boun_cnt or 0),0,-1) + _ramp(- (delay_days or 0),0,-30) )/3 rs=f"遅延{int(delay_cnt or 0)}/不渡{int(boun_cnt or 0)}/平均{int(delay_days or 0)}日" else: sc=_ramp(cash_to_ms,1.0,0.2); rs=f"代理:現預金/月商≈{round(cash_to_ms,2) if cash_to_ms else '—'}" _add(items,"安定性","決済振り", sc, _WEIGHTS[("安定性","決済振り")], rs) sc_mb = 5.0 sc_mb += 2.0 if mainbank else (-0.5 if mainbank is False else 0) sc_mb += 1.0 if has_line else 0 sc_mb = _clamp(sc_mb,0,10) _add(items,"安定性","金融取引", sc_mb, _WEIGHTS[("安定性","金融取引")], f"メイン{'有' if mainbank else '無' if mainbank is False else '—'}/与信枠{'有' if has_line else '無' if has_line is False else '—'}") _add(items,"安定性","資産担保余力", _ramp(coll_to_ms,4.0,0.0), _WEIGHTS[("安定性","資産担保余力")], f"担保/月商≈{round(coll_to_ms,2) if coll_to_ms else '—'}") top1=_to_float(ref("主要顧客上位1社売上比率(%)")) cust_score=_to_float(ref("主要顧客の平均信用スコア(0-100)")) npl_cnt=_to_float(ref("不良債権件数(直近12ヶ月)")) _add(items,"安定性","取引先", ( _ramp(- (top1 or 50),0,-80) + _ramp(cust_score,80,50) + _ramp(- (npl_cnt or 1),0,-3) )/3, _WEIGHTS[("安定性","取引先")], f"上位1社{top1 or '—'}%/信用{cust_score or '—'}/不良{int(npl_cnt or 0)}") years=_to_float(ref("業歴(年)")) _add(items,"安定性","業歴", _ramp(years,20,1), _WEIGHTS[("安定性","業歴")], f"{years or '—'}年") # ---- 公平性 ---- has_sec=_to_bool(ref("有価証券報告書提出企業か(TRUE/FALSE)")) pub_off=_to_bool(ref("決算公告や官報での公開あり(TRUE/FALSE)")) pub_web=_to_bool(ref("HP/IRサイトで財務資料公開あり(TRUE/FALSE)")) upd_on=_to_bool(ref("直近更新が定め通りか(TRUE/FALSE)")) sc_dis = 0.0 sc_dis += 10.0 if has_sec else (7.0 if (pub_off or pub_web) else 4.0) sc_dis += 1.0 if upd_on else 0.0 sc_dis = _clamp(sc_dis,0,10) _add(items,"公平性・総合世評","ディスクロージャー", sc_dis, _WEIGHTS[("公平性・総合世評","ディスクロージャー")], f"{'有報' if has_sec else '公開あり' if (pub_off or pub_web) else '公開乏しい'} / 更新{'◯' if upd_on else '—'}") total = round(sum(x["score"] for x in items),1) return {"name":"企業評価(外部)","external_total": total, "items": items, "notes":"欠損は中立、連続スコア×重み(自動正規化)"}