A Asset Management Co., Ltd. Study On Disposal Methods Of Non-performing Assets

The problem of non-performing assets of banks can be said to be a global problem today,From the previous financial crisis,The financial system of countries are suffering from the problem of non-performing assets,Whether it is economic maturity or is in the process of economic transition in the country,There have been financial industry bad assets led to the economic crisis situation.How to properly handle the bank bad assets,This issue has received widespread attention from governments and the community.At present,because the domestic economic slowdown,some enterprises run difficult,cash flow is insufficient,the credit default risk increases,leading to the bank bad loan balance and the ratio of both "climbing" phenomenon.At the same time,the central authorities put forward the task of supply side reform,"to the production capacity,to inventory,to leverage",this task on some industries such as steel,coal and other have a greater impact,the financial industry involved part of the credit customers appeared mergers,restructuring or bankruptcy And other issues,this situation focused on exposing a number of non-performing assets.How to effectively release the risk of risk,to prevent its spread and spread,not only related to the commercial bank's own business safety,but also affect the financial support of the real economy and the effect.The disposal of non-performing assets on the one hand has important significance,on the other hand facing severe pressure and challenges.Established in 1999,A Asset Management Co.,Ltd.,as an important force in China's financial organization system,has been responsible for the important task of disposing of bad financial assets from banks.The operation has achieved remarkable results.In this paper,by studying the disposal of non-performing assets of A Asset Management Co.,Ltd.,we can see that the recovery rate is not high,the degree of marketization is low,the information asymmetry and so on in the traditional disposal mode,such as auction sale,debt restructuring and agreement transfer Problem,put forward the corresponding improvement measures for the above problems and improve the innovation of the bad asset disposal strategy.Through the study of A Asset Management Co.,Ltd.the traditional disposal of non-performing assets of the limitations,combined with the current situation put forward a new approach: Through the use of asset securitization,commissioned the disposal of non-performing assets,etc.,to improve the efficiency of resource allocation,revitalize and enhance the assets of enterprises,reduce disposal costs,improve the recovery rate of non-performing assets and enhance the efficiency of disposal goals.