Credit and Financial Risk Measurement of Financial Enterprises Based on PSM Model

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Yijun Chen, Yan Xiao, Qiuhong Jia

Abstract

With the rapid development of social economy and information technology, the credit risk and financial risk of my country's financial enterprises are also facing severe challenges. In financial enterprises, credit is related to the survival of the enterprise. As the business volume and scale of financial enterprises continue to expand, financial risks are correspondingly increased. Therefore, the research on financial enterprise credit and financial risks is of great significance. The research on the credit and financial risks of financial enterprises is helpful to help financial enterprises handle financial risks well and perform evasive operations on them. In addition, it can also enhance the credit awareness of enterprises and reduce the default rate in the financial industry. This paper studies and analyzes the financial enterprise credit and financial risk measurement based on the PSM model. First, it uses the literature method to study the PSM model, corporate credit, financial risk and other theoretical knowledge, and then establish a fuzzy neural network model for risk assessment. And the establishment of a PSM model to conduct a questionnaire survey experiment design, analyze the price sensitivity changes and acceptable price ranges under the PSM model, and get the optimal pricing of new financial products issued by financial companies. Finally, it analyzes the relationship between the default rate of corporate credit and internal finance. The conclusion is that when this financial product is priced at 45 yuan, the proportion of reserved recipients is the largest, reaching 66%; when the price is 75 yuan, the acceptable proportion is 23%, which is the acceptable number of people in the three price ranges. The proportion is the largest; if the price is 100 yuan, the unacceptable proportion is the largest, reaching 45%. This shows that the pricing of a new financial product is directly related to its sales. The reasonableness of the product pricing directly determines whether people are willing to pay for it and accept it.

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