Our Country Commercial Bank Bad Assets Value Assessment Method Study, The Hypothesis Liquidation Method Of Applied Research

In2008the United States sub-loan crisis triggered by the European debt crisis is not yet over the fact that:accumulation of non-performing assets, which impacted the stability of financial markets, but also restricts the healthy financial markets, the rapid development of the huge potential. With the rapid development of China’s banking industry in recent years, the banking industry continues to expand the scale, the banking industry in recent years, the high growth of the problem may appear gradually, may increase the risk of default, part of the field, some bad loans institutions, there have been signs of a rebound in some areas. Appraisal of non-performing asset non-performing assets can mining real value, promote the flow of non-performing assets, improve the market of non-performing assets in China, the maintenance of financial stability and safety in china. This paper from the assets appraisal basic theory, firstly analyzes the difference between common assets evaluation and asset evaluation, summed up the characteristics and evaluation method of evaluation of non-performing assets of the special. From the definition, theoretical basis, methods and steps, need to consider the issue as well as the advantages and disadvantages of existing bad assets evaluation methods are summarized, and the methods of comparative analysis, analysis of the limitations of each method. Then from the angle of repayment will commonly used methods of existing assessment methods of hypothesis please optimized algorithm, a typical case of bad assets Qing algorithm X bank was evaluated using optimization hypothesis, then draws the conclusion, and to improve the bad assets assessment advice.This paper is divided into6chapters as follows:The first chapter, introduction. The first chapter introduces the research background and the significance of this study, secondly elaborated on the research ideas and research framework. Then the existing research results of evaluation of non-performing assets are reviewed, mainly concentrated in the non-performing assets assessment method, assessment of the value of type selection and evaluation of non-performing assets problems, and made comments on their.The second chapter, the theoretical analysis of asset appraisal. This chapter introduces the definition, basic assets assessment of eight elements, basic assumptions, values of type selection, evaluation methods are introduced, and introduces the characteristics and methods of general assets assessment.The third chapter, analysis of China’s commercial banks non-performing assets appraisal theory. The first chapter of non-performing assets are defined expounded, and illustrates the non-performing asset classification, forms and different forms of value. Then analyzes our country commercial bank bad assets assessment of the significance of the evaluation, evaluation of non-performing assets and assets are compared from the evaluation object, evaluation characteristics, evaluation methods, summed up the characteristics of non-performing assets assessment. Further analysis of the existing practice of evaluation of non-performing assets in commercial banks of China problem.The fourth chapter, methods of China’s commercial banks non-performing assets assessment. The first chapter of the existing non-performing assets appraisal method,4methods of hypothetical liquidation, credit analysis, case comparison method and Delphi method were summarized, the definition, basic principles of each method, steps, the need to pay attention to use of the problem, analyzes the advantages and disadvantages of each method, and comparison of several methods. Finally, based on summarizing and comparing the repayment will, from the point of view, through the use of AHP, that please the optimization algorithm.The fifth chapter, analysis using assumptions please algorithm. In this chapter the author takes X bank as the research object, field to bank survey, reading files to dispose of its part of the non-performing loan, according to the typical case of Y, using assumptions please algorithm to evaluate its, then draws the conclusion.The sixth chapter, policy suggestion and conclusion. This chapter focuses on the our country commercial bank bad assets assessment of the problem, put forward to perfect the non-performing assets of commercial evaluation in China suggestions. And come to a conclusion.The innovation of this paper lies in:mainly lies in the innovation of the case, field trips through to X bank survey, according to X bank bad assets Y typical cases, using assumptions please algorithm for the value assessment and analysis. In the evaluation method summarizes existing bad assets, and through the comparative analysis of the advantages and disadvantages of the existing methods, and willingness to repay perspective, using the analytic hierarchy process, from two levels of environmental factors and their own subjective factors, on the assumption that please algorithm is optimized to a certain degree. For X bank non-performing assets disposal of pricing, provide a reference, it also makes a contribution for the perfection of the system of evaluation of non-performing assets of China’s banks, to provide a reference for practitioners.