Keeping Loans on Track by IMM

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  IMM mathematical framework

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  Selecting effective firms

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  Identifying Bubbles

Inspiration

Our cloud-based service expedites economic analysis of corporate financial data for credit assessment, allowing for swift identification of high-performing companies that are promising candidates for lending, thereby mitigating default risks and maximizing returns on financing. Particular emphasis is placed on detecting economic bubbles and underperforming companies that fail to incorporate innovation into their business practices

What it does

The software is founded on our proprietary Innovation-Market Model (IMM). We have developed a cloud-based service to optimize efficiency and processing speed for automated analysis of corporate reporting data through our IMM-based BI model. Our solution evaluates the ongoing operations of selected companies and delivers investment recommendations by verifying operational efficiency through comparative analysis of sales growth velocity against expenditure rates per our model specifications. Furthermore, companies undergo market valuation assessment by correlating profit growth rates with stock price movements to detect economic bubbles that elevate default risk. Our Innovation-Market Model characterizes and predicts corporate sales and profit dynamics based on information accumulation within economic systems, consistent with the model's theoretical foundation that information constitutes the third critical innovative production factor—a proposition substantiated by global economic data. Modeling executes according to the Innovation-Market Model algorithm employing the random walk statistical framework (gambler's ruin problem) across defined transaction volumes, leveraging our BI architecture. The methodology incorporates non-economic preferences and innovations pursuant to our IMM mathematical framework

How we built it

We created a working chatbot based on business analytics, using our own mathematical model of the investment market, written in Python.

Challenges we ran into

Writing chatbot code based on business analytics using an investment market model and the availability of necessary statistics.

Accomplishments that we're proud of

We have created a working chatbot model based on business analytics, based on the investment market model.

What we learned

We've developed a technology integrating the Innovation-Market Model with business intelligence to accelerate corporate financial analysis for lending decisions. This enables rapid identification of creditworthy companies while avoiding default risks and maximizing returns. The solution specifically targets economic bubbles and innovation-deficient companies to eliminate default risk.

What's next for Keeping Loans on Track by IMM

We will create a service for analyzing the economic performance of IPO firms and generating investor recommendations for effective capital deployment in these companies, thereby eliminating default risk.

Built With

• innovation-market-model
• python