KMV model is one of the credit measurement methods. KMV model is a method established by KMV company in San Francisco in 1997 to estimate the default probability of borrowing enterprises. The model considers that the loan understands that credit risk is determined by the market value of the debtor's assets under a given liability. However, in fact, assets are not really traded in the market, and the market value of assets cannot be directly observed. For this reason, KMV model turns the loan problem of the bank to one side, and studies the problem of loan repayment from the perspective of the owner of the borrowing enterprise.