您能讀懂財務報表，也能確認財務數據。即便如此，您是否能自信地回答「這筆交易是否可以進行」的問題？Nakamura Rating Institute, Inc.（總公司：神奈川縣川崎市，代表取締役社長：中村裕幸）將於 2026 年 4 月 1 日推出網頁應用程式「NRPD Web App」。此應用程式支援從財務分析到信用額度計算及交易判斷的一系列流程，其基礎是來自全球企業的財務報表 PDF，無論企業國內外。
將分析結果直接連結至交易判斷
透過匯入目標企業的財務報表 PDF，經過確認與修正後，即可一併確認信用額度（總額/淨額）、交易判斷、財務指標及評論。系統會將計算出的淨額信用額度與使用者輸入的實際交易金額進行比對，並提供一個判斷基礎，以決定是否「可批准」、「需注意」或「否決」。本服務的價值不僅在於顯示數字，更在於深入探討「這筆交易是否應該進行」的實際業務問題。
可自行選擇比較對象企業進行對比
透過同時上傳使用者自行選擇的企業（如競爭對手或同業公司）的財務報表 PDF，即可將 NRPD、財務指標、NCRI（現金充裕指標）等與目標企業並列比較。這能將單獨評估難以顯現的相對優劣勢視覺化，提高判斷的說服力。
確認財務數據的可靠性，並透過易懂的評論防止「照單全收」
透過比較多年期的財務數據，從銷售額與應收帳款的差異、純利益與應收帳款的急劇增加、資產的急劇膨脹、庫存比率的急劇增加、短期借款的急劇增加等 7 個方面顯示警示。使用者可以同時確認作為信用判斷基礎的財務數據是否存在異常。此外，評論將分為財務摘要、基準比較、NRPD 計算依據、粉飾風險解讀、NCRI、信用額度依據、交易判斷等 7 個類別進行整理，並以文字補充數據的背景和注意事項。此設計旨在讓使用者在考量比較和脈絡後能更容易做出判斷，而非盲目接受結果。
常見問題
What is the NRPD Web App?
The NRPD Web App is a web application developed by Nakamura Rating Institute, Inc. that analyzes PDF financial statements of companies worldwide to provide credit assessment, calculate credit limits, and assist in transaction decision-making.
When will the NRPD Web App be available?
The NRPD Web App is scheduled to be launched on April 1, 2026.
What are the main features of the NRPD Web App?
Key features include analyzing financial statements to determine credit limits (Gross/NET), providing transaction decision support ('Approvable,' 'Cautionary,' 'Rejectable'), enabling comparison with selected peer companies, and offering alerts for financial data inconsistencies with explanatory comments.
Can I compare my target company with its competitors using this app?
Yes, you can upload financial statements of competitor or peer companies alongside the target company's statement to perform comparative analysis of financial indicators and other metrics.
How does the app help ensure the reliability of financial data?
The app compares financial data over multiple periods and flags potential issues such as discrepancies between sales and receivables, rapid increases in assets or debt, and provides alerts based on seven key indicators. It also offers comments to explain the context and potential risks.
