KMV模型用来估计借款企业违约概率的方法。该模型认为，贷款的信用风险是在给定负债的情况下由债务人的资产市场价值决定的。该模型了债务人的债权和股权的市场公允价值.-KMV model is used to estimate the probability of default of the borrower methods. The model considers the credit risk of loans given in the case of liability is determined by the market value of the debtor s assets. The model of the fair value of the debtor s debt and equity markets.