The Research On Problem Asset Disposal Scheme Of D Team Of Special Branch Of China Minsheng Bank

Finance is the core of modern economy.As an important part of financial institutions,banks are closely related to domestic economy.Under the new normal,the growth rate of bank's income and profit is obviously reduced.With the acceleration of interest rate marketization,the gradual normalization of strict financial supervision and the constant impact of Internet finance,many problems have appeared in the banking industry.Different from the impact of transformation and upgrading,the growth of the problem assets brings a lot of losses and provisions to the banking industry,which directly affects the bank profits,and then affects the security,liquidity and efficiency of the banks.Therefore,the ability to deal with troubled assets will be one of the key competitive advantages of banks in the future.This paper takes Group D of Minsheng Bank Special assets Department as the research object.This unit not only has the common problems encountered by financial institutions in dealing with the problem assets,but also has its own characteristics of the start-up team.In this paper,based on the related theory and disposal principle of the problem assets,the paper describes and analyzes the current situation of D team problem assets in the special capital department of Minsheng Bank,and finds out the problems existing in the four main disposal methods.Secondly,on the basis of the analysis and study of the four main disposal methods,the corresponding improvement strategies are put forward: to set up the standard of reorganization according to the principle of part-time work in the bank,and to optimize the evaluation process;Enterprises entering the bankruptcy reorganization process should adopt different strategies before and after the bankruptcy reorganization process to minimize the losses of financial institutions;to select the target enterprises in the way of debt-to-equity swap,to perfect the exit mechanism,to do a good job of bottom plan,and to take an active part in the company.Governance ensures shareholders' rights and interests;the customer suggestion of litigation recovery is treated by layers,the procedure of litigation examination and approval is simplified,the risk agency mechanism is introduced,and so on.