Research On The Value Evaluation Of Non-Performing Assets Of Commercial Banks Based On The Modified Credit Evaluation Method

At present,China's economy has developed from a high-speed development to a new normal of high-quality development.The quality of commercial banks'assets has experienced a cyclical decline.In the trend of economic structure adjustment and Enterprise credit default normalization,non-performing assets and bad loan rate have been rising.Credit companies have the most direct relationship between the operating efficiency and the quality of bank assets.The credit rating and operating efficiency of enterprises directly affect the quality of the assets in banks.This paper is based on the credit rating of the application of the bank's evaluation of non-performing loan value.This paper first introduces the background and present situation of the bad assets in China,combs the relevant theories at home and abroad,and analyzes the limitations of the existing methods for evaluating the bad assets.After that,this paper mainly studies the credit evaluation method.In the course of the research,this paper does not use the subjective empowerment method used by the traditional credit evaluation method,but uses the entropy method to objectively empower the financial index.At the same time,this paper also attaches importance to the impact of non-financial indicators on the results.The evaluation of non-financial indicators by experts was collected,and the results of expert evaluation were quantified by trapezoidal fuzzy theory.Through the above research,this paper establishes an optimized enterprise credit evaluation method,which can calculate the value more scientific-Finally,the author collects the case of Sichuan Shengda Forestry Industry Co.,Ltd.and uses the optimized credit evaluation method to evaluate the value of the company's bad assets,and obtains the evaluation results which are closer to the actual situation.