Research On The Disposal Mode Of Non-performing Assets Of State-owned Commercial Banks Under The Background Of "Internet +"

At present,our country is in the key stage of continuous optimization of economic structure and transformation of new and old kinetic energy.In addition to the slowdown of economic growth,the adjustment of value chain and industrial chain in macroeconomic structure has brought tremendous pressure to state-owned commercial banks.Especially,the continuous increase of the total amount of non-performing assets of state-owned commercial banks will have an impact on the operational efficiency and development prospects of banks,which will not only damage our country.National financial enterprises have more adverse effects on the healthy and stable growth of the national economy.Therefore,how to deal with non-performing assets of state-owned commercial banks has far-reaching significance.With the rapid development of the "Internet +" mode and rising to the national development strategy,the rapid growth of Internet technology in traditional industries has made the application of Internet + normal.Due to the narrow channels of investors' docking and inefficient disposal methods,the traditional disposal methods of non-performing assets of state-owned commercial banks are inefficient.And the use of Internet technology and the Internet platform business model can well solve these unfavorable factors.More and more experts and scholars begin to pay attention to the study of the Internet + bad assets disposal mode,and more and more asset management financial institutions emerge in the society to shift the direction of business development to the Internet + mode.At present,the research and application of Internet disposal mode of non-performing assets has gradually formed four main service modes: data service mode,Taobao auction mode,crowdsourcing investment mode and matching collection mode.Although some achievements have been made,the existing Internet disposal modes have their limitations,such as: large number of users but difficult to match the target customers,Internet platform.The problem of data security and information asymmetry,the non standardization of asset formats of financial institutions or Asset Management Co still restrict the development of Internet + in the field of disposal of non-performing assets.This paper puts forward a new classification model of non-performing assets of state-owned commercial banks by establishing a big data cloud platform of non-performing assets of state-owned commercial banks.That is to say,according towhether or not the creditor's rights contain collateral,the creditor's rights are divided into creditor's rights and real rights to solve the non-performing creditor's rights separately.Firstly,through the accumulation of non-performing assets data of state-owned commercial banks and non-performing assets management companies and the creditor's rights data entered by platform enterprises or individual creditors,the establishment of large data platform of state-owned commercial banks provides data support for the creditor's rights disposal platform.The creditor's rights disposal platform constructs the creditor's rights chain by analyzing the data of all non-performing assets through big data algorithm,and achieves the purpose of clearing up the non-performing assets of state-owned commercial banks by dissolving the relationship between creditor's rights and debts in the creditor's rights chain.The real right disposal platform strips off the collateral part of the non-performing assets and collects the collateral according to the type and region of the assets.At the same time,the platform introduces the third-party assets trading platform.Through the specialty of the third-party assets trading platform and the advantages of the buyer's customer quantity,the platform opens the market quickly to seek the real right buyer.This scheme has been successfully applied in an internet financial company and achieved initial results.The company has jointly established a large Internet data platform with several state-owned commercial banks and asset management companies,and disposed of non-performing assets.It has indeed improved the efficiency of asset disposal and asset recovery rate.This shows that the Internet disposal mode of non-performing assets of state-owned commercial banks proposed in this article is of great significance to broaden the disposal channels,innovate the disposal mode and improve the disposal efficiency.