Research On The Model Of Account Sale Expected Profit Evaluation On The Basis Of The Measuring Of Information Acquisition Degrees

In the modern market economy, the world market has shown the characteristics of a buyer’s market, surplus goods, and fierce competition among enterprises. Credit has become the dominant international trading settlement. However, credit is a double-edged sword that can help enterprises reduce inventory, expand sales and occupy a vast market, in order to strengthen the competitive position and strength, and ultimately achieve profitable growth; also enable enterprises to bear too much because Of the cost of capital, management costs and bad debts, all those maybe made enterprises find themselves in financial difficulties, even bankruptcy. Face the objective fact that credit risks and benefits is concomitant, enterprises must effectively measure the net amount between revenue and cost. The premise is that enterprises must do adequate research to ensure they make the right credit assessment of their customers. However, the opportunities may be lost at any time. Enterprises will not have a long research and decision-making time. In the actual credit decision-making process, decision makers need to fully reconcile the adequacy of effective information acquisition with non-sustainable business opportunities. Trading market is huge and flow of information is poor, so there are serious information asymmetries in the course of market transactions. This underscores the need for research, but also illustrates the difficulty of access to effective information. This article is based on the perspective of the seller enterprises. It studies how to choose the best investigation method in the situation that the opportunities may be lost at any time, in order to acquire more information to make credit decisions more accurately. It is of great significance for the seller enterprises. This article regards the process of credit products risk-benefit estimation in incomplete information state as a continuous state, discrete time stochastic process. It takes full account of the risk of the loss of business opportunities. Based on fully considering the effect of different investigation methods on discrimination accuracy of customer credit rating, the article establishes a model of customer credit assessment on the basis of different information acquisition degrees. This model borrows some notes from the method of spatial analysis. Then the article references the idea of discriminatory analysis to discriminate the accuracy of the customer credit assessment in asymmetric information state. At last, the article establishes the expected profit evaluation of the account sale model by borrowing the thought of risk decision.