Abstract: An aspect of the present disclosure may provide an apparatus for assessing a risk of a company’s stock as collateral. The apparatus according to the present disclosure may include at least one processor configured to: determine, based on a financial statement of the company, data relating to a first attribute group including at least one attribute relating to the company’s financial statement, input the data relating to the first attribute group into the first artificial neural network, determine, based on an output of the first artificial neural network, a first risk value indicating a degree of risk of a financial status of the company, and determine a final risk value of stocks of the company as collateral, based on the first risk value.