Hypothesis Clearing Algorithm Applied To Optimization Research Of Bank Non-performing Assets Valuation

The problem of non-performing assets of banks is related to the financial stability and even social stability of a country.Since the 18 th National Congress,China's economy has changed from pursuing high-speed development to pursuing high-quality.The government has put forward a new policy of three to one,one to one,and so on.As a result,the excess capacity and high leverage risks in the business process have been released,leading to commercial banks.The scale of non-performing assets and the ratio of non-performing assets showed a double upward trend.Scientifically assessing the value of banks' non-performing assets will help banks to effectively dispose of non-performing assets,which will play a major role in improving the bank's ability to resist risks,and thus escort the country's economic restructuring and the healthy operation of the national economy.Based on the bank's evaluation of non-performing assets,it has practical significance.After reviewing the existing literature,this paper analyzes the relevant theories of bank non-performing asset valuation,comprehensively analyzes the pros and cons of five commonly used methods in bank non-performing asset evaluation,analyzes the status of its evaluation problems,and finds that although the hypothesis clear algorithm More applicability,but also has certain limitations.In particular,when using the hypothesis clearing algorithm to evaluate the bank's non-performing assets,the non-performing assets are evaluated directly under the assumption of the debtor's bankruptcy liquidation,ignoring the consideration of the non-financial factors on the valuation.In this regard,this paper attempts to optimize the theoretical framework and model of the hypothesis algorithm,and proposes to divide the bank's non-performing asset assessment into two parts: one is to calculate the recoverable bottom line value of the non-performing asset value through the traditional hypothesis clearing algorithm;the second is to pass The analytic hierarchy process quantifies the non-financial factors and measures the uncertain risk value of the value of non-performing assets.On this basis,taking Jiangsu Changzhou** company arrears bank loans into non-performing assets as an example,the optimized hypothesis clearing algorithm is applied to its non-performing asset evaluation and case analysis.The study believes that the optimized hypothesis clearing algorithm is conducive to improving the rationality of the bank's evaluation of non-performing assets.