Research On The Disposal Of Non-performing Assets Securitization In JNNS Bank

In recent years,commercial banks Chinese overall non-performing loans and non-performing loan ratio continued to rise into the channel;frequently,in the enterprise of high risk of adverse environment,the disposal of non-performing assets has become a major focus of the work of China's banking industry,the current commercial bank non-performing loan is the most commonly used method in accordance with the law,routine collection,verification and the reorganization,but 67% of bankers believe that the next three years of bad asset securitization will become more suitable for one of the bad disposal of commercial banks in china.JNNS bank was established by reorganization and merger of rural credit cooperatives and rural cooperative banks.Besides the bad assets formed by history,the newly formed bad assets and potential bad loans risk seriously affected the operation and development of JNNS banks.In the traditional method of recovery and disposal of non-performing assets is difficult and difficult to achieve efficient batch processing,for the disposal of non-performing assets can be described as a means of new urgent.Through the methods of literature research,investigation and comparative analysis,this paper analyses the disposal methods of the existing non-performing assets of JNNS bank and the experience of foreign non-performing assets securitization,and designs a scheme for the disposal of non-performing assets.First of all,this paper analyzes the present situation of JNNS bank non-performing assets disposal and the traditional disposal methods of NPL,and analyzes its existing experience and deficiency,and then analyzes the overall background of JNNS bank non-performing asset securitization,and then analyzes the necessity and feasibility of developing NPL securitization.Secondly,it is the experience of foreign experience.Then,it analyzes the experience and Enlightenment of the disposal of non-performing assets in the major and domestic advanced countries,and provides a reference for the following countermeasures.Furthermore,it puts forward a design scheme for the securitization of asset pool,investigation assets and forecast cash flow,the establishment of SPV,credit rating and rating,pricing,sales and follow-up management.Finally,the conclusions and policy recommendations are summarized,and the conclusions are summarized,and the policy suggestions are put forward from the macro aspects,including the further improvement of the laws and regulations,the further expansion of the pilot scope and so on.