Change strategies and business models more than before .

不断革新战略与商业模式。

The three companies have different business models , of course .

这三家公司当然拥有不同的业务模式。

And those risk models are regularly updated depending on the economic environment .

取决于经济环境，这些风险模型定期更新。

When in fact it 's the business models that are problematic .

实际上它们的商业模式才是罪魁祸首。

He provides a superb riff on " overfitting " in statistical models .

他非常出色地反复阐述了“过度拟合的”统计模型。