JX Branch Of N Bank Financial Risk Assessment On Fuzzy Comprehensive Evaluation Method

At present,the world’s major economies are affected by the previous economic crisis,economic growth weak,the Federal Reserve continued to raise interest rates and the world situation is volatile,unilateralism and trade protectionism,further exacerbating the complexity and variability of the world economic pattern.China’s socialist development process into a new era,the economy gradually from rapid development to high-quality development,with the supply-side structural reform continues to deepen,China’s financial industry has also ushered in a new period of transformation and development.With the continuous opening of market access,financial institutions continue to explode new economic vitality,in the arrival of new opportunities at the same time also appeared new challenges,the sustainable expansion and development of the main business in bringing rich economic benefits,but also brought a certain degree of financial risk.Because of the special business of commercial banks,the operation of commercial banks is born with a certain high risk,the continuous expansion of financial risk will inevitably bring about the concentration of financial risks,the commercial banks themselves and even the financial industry as a whole has a significant negative impact.In this context,this paper takes JX branch of N bank as an example from the following aspects to carry out research.Taking the time node as the vein,through the collation and compilation of the literature,this paper makes a comprehensive review of the financial risk evaluation methods of commercial banks at home and abroad,and analyzes the advantages and limitations of each evaluation method in the course of the review.This paper expounds the concept and evaluation method of financial risk of commercial banks,introduces the theory of Fuzzy mathematics,and analyzes the financial risk status of JX branch by using the current financial evaluation method of JX branch.From four aspects of capital liquidity,asset quality,profitability and capital adequacy ratio,the index system of financial risk evaluation is determined,and the financial risk evaluation model of JX branch is constructed by fuzzy comprehensive evaluation method.Extracting the relevant index data of the unit,the Fuzzy comprehensive evaluation and analysis of the financial index of JX branch in 2014-2017,the evaluation results are obtained,according to the data reflected in the model,combined with the problems of JX itself.