Research On Credit Risk Assessment Of Software Enterprises From The Perspective Of Business Model

The process in which a bank provides financial services is essentially the process of taking and controlling risks.The risk management level of a bank determines the survival and development ability of a bank to a large extent.Credit risk is the main risk faced by Banks.To grasp credit risk and ensure the safety of financial assets is a huge and complex systematic engineering and long-term task for commercial Banks.The credit risk assessment system of commercial Banks also needs to be constantly improved and enriched with The Times.At present,domestic commercial Banks have gradually formed a relatively fixed credit risk assessment system for traditional industries.However,in recent years,with the high rate of non-performing assets,commercial Banks began to shift their capital investment from the traditional industries to the hot emerging industries,so as to optimize the efficiency of credit resource allocation and prevent credit risks.However,the existing credit risk assessment system is generally applicable to traditional industries.For some emerging industries,if the existing assessment system is applied,the characteristics of their own industries will be ignored.On the one hand,credit resources cannot be smoothly transferred to some high-quality enterprises;on the other hand,it also increases the difficulty and accuracy of bank credit evaluation personnel.Therefore,it is urgent to optimize the credit risk assessment system for emerging industries.Softw-are and information service industry is the national strategic emerging industries,is also the focus of the commercial bank assets structure adjustment target industry,commercial bank credit policy will tilt to the software industry,so a lot of credit funds will flow to the software enterprise,so this article from the selection of the software industry in the emerging industry focus.According to the author's work experience and research findings,for the software industry with rapid technological iteration and rapid development,the business model plays an important role,but at present,commercial Banks' examination of enterprise business model is often empirical,lacking a unified and quantifiable standard,A business model is not only how an enterprise obtains revenue and profit,but also how it operates to deliver value to customers at a reasonable cost.Paper use theoretical analysis first combed the present domestic and foreign academic research on credit risk assessment and business model at the forefront of theory,the credit risk assessment system to add to the software evaluation of enterprise business model,by establishing the model,then using expert scoring method,selection in the commercial bank personnel engaged in credit evaluation of more than 5 years of model element weighted scores,will be in the process of softvware enterprise business model to investigate standard quantitative empirical work content,finally selected by applying the method of case 1 set of typical enterprise case to verify this model and analysis.The application of business models is not limited to providing guidance for entrepreneurs or business managers.For the credit risk assessment of commercial Banks,the importance of business models has been largely ignored.The existing credit risk assessment management system of commercial Banks is not comprehensive and perfect in the practical application process,and the quality of risk control is largely dependent on the work experience and ability of credit assessment staff.This paper puts forward some Suggestions on how to improve the credit risk assessment system from the perspective of business model innovation in the software industry,and constructs a quantitative model.On the one hand,it is an innovation to the commercial credit risk assessment system;on the other hand,it is an innovation to the application of business model.