Company A’s Business Model Innovation And Financial Risk Research

Business model is the basic operating system of enterprise operation,which reflects how to organically combine internal and external elements in the process of enterprise operation and maximize benefits.Innovative business models can help enterprises update their operation methods or reallocate resources,so as to enhance the operating efficiency of enterprises.However,benefits and risks are always accompanied by each other.Enterprises changing the existing business model from the strategic height will inevitably cause changes in the factors of production and operation.It is worth thinking about how to identify the financial risks brought by changes and how to avoid them.Based on this,this paper selects Company A in the real estate industry in the stage of deep adjustment as the main research object.Due to the aggravation of the trend of survival of the fittest in the industry,Company A has been constantly exploring new business models in recent years and adopting a variety of innovative means,which has great research value.Then,combined with the business model canvas theory,the business model innovation path is analyzed and explained from the three levels of value delivery,value creation and value acquisition,and the financial analysis indicators are used to gradually identify whether the business model innovation at each level brings financial risks,and the Z-score model and F-score model are used to comprehensively evaluate the identified financial risks.The research found that the innovation of Company A at the value delivery level brought about financial risks such as reduced profit space,insufficient solvency and lower than expected return;the innovation at the value creation level brought about financial risks such as decreased revenue growth,insufficient turnover capacity and slowing down scale expansion;and the innovation at the value acquisition level brought about financial risks such as improper cost control and weakened asset profitability.According to this,targeted risk prevention suggestions are put forward,and it is necessary to adjust financing methods and scientifically plan investment when innovating at the value delivery level.Promote digital and intelligent transformation,combine compliance and innovation when innovating at the value creation level.Strengthen cost control and tap asset value when innovating at the value acquisition level.