After the market-oriented reform of China's financial industry, there have been some problems in financial risk assessment. In recent years, commercial bank finance has made rapid development, but on the whole, the financial risk assessment of commercial banks is still the weakest link in the Chinese financial system. This experiment selects data from state-owned commercial banks and foreign-funded commercial banks. Through the analysis and deconstruction of the macroenvironment, participants, and business models, this paper systematically combines the factors influencing the financial risk of commercial banks, which can identify the main sources of financial risk in this complex way of financing and clarify the effects of the transfer of financial risk between different participants. Based on this, the paper studies the differences between the assets and liabilities between banks on the risk-taking of banks and the reform of the organizational evolution of fuzzy system. According to the application scenarios and actual needs of commercial banks' financial risks, the entropy weight analysis method is used to reflect the weight of indicators by the difference degree of observed index values. The information quantity of indicators is measured to ensure that the established indicators can reflect most of the initial information. The experimental results show that, compared with state-owned banks, the proportion of foreign banks' assets in 2018 is very small. The highest value of public debt assets is 9.2 billion yuan, followed by financial institutions with 2.58 billion yuan, and deposit institutions with 280 million yuan. The central bank has no debt amount.
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