Study On The Evaluation Of Bad Assets Of State-owned Banks Based On The Modified Hypothesis Clearing Method

After the 19 th CPC National Congress,the prevention of financial risks has become the top arrangement of the country,and it is also the top priority of the current financial work.The disposal of non-performing assets of banks as an important link to guard against financial risks has become a key issue urgently needed to be solved in the current financial industry.To properly and quickly dispose of non-performing assets in the financial industry,only if they are accurately assessed.For the purpose of solving financial non-performing assets,this paper studies the evaluation of non-performing loans of state-owned commercial banks by using the modified hypothesis clearing algorithm.First of all,on the basis of analyzing the research background and current situation of financial non-performing assets evaluation,this paper defines the concept,value form and realization of financial non-performing assets.Path and current major asset evaluation methods and bank non-performing assets evaluation methods.Secondly,this paper analyzes the present situation of non-performing loans of commercial banks in China by using big data,analyzes the influencing factors of non-performing assets of state-owned commercial banks from the internal and external angles,and summarizes the present situation of the evaluation of non-performing loans of state-owned banks.After analyzing and comparing the applicability of several existing non-performing assets evaluation methods,this paper finds that the hypothetical clearing algorithm is the most suitable method for evaluating this case.Thirdly,this paper uses the optimized hypothesis clearing algorithm to carry on the case analysis,applies the analytic hierarchy process(AHP)to the false by taking into account the influencing factors of the debt enterprise's willingness to pay back.Set up the algorithm to optimize,and apply the modified model to the actual case to provide reference for its disposal pricing,and find out through the calculation and analysis,The results obtained by using the modified hypothesis clearing algorithm are more reasonable and closer to the actual realizable value than the results obtained by the modified hypothesis clearing algorithm.Finally,this paper puts forward some policy suggestions on the evaluation of non-performing assets of banks from many angles,in order to contribute to the further improvement of the evaluation method system of non-performing assets of banks.This paper attempts to make a comprehensive analysis of the two factors directly related to the realized value of non-performing claims,namely,the debtor's solvency and the debtor's willingness to repay debt,and optimizes the application of the hypothetical liquidation method in practice.In order to make the evaluation results more scientific and objective,the parameter correction method is used to optimize the evaluation framework,and the analytic hierarchy process(AHP)is introduced to comprehensively consider the repayment willingness and solvency,so as to evaluate the realized value of non-performing assets.By comparing the evaluation value before and after the correction with the actual due diligence value,it is found that the evaluation result is closer to the actual recovery value,which shows that the modified hypothesis cleaning algorithm is in the evaluation.In practice,it is more reasonable and scientific.