Pricing Research Of Acquisition And Disposal Of "Chuang Xuan Commercial" Bad Assets Package Of Bank Of Communications By G Company

Since 2012,with China's economic growth has slowed,structural reforms have been deepening,and the real economy continues to be under pressure,marking China's entry into a new round of economic adjustment cycle.Influenced by the downward trend of the economy,the scale of non-performing assets of banks across the country continued to increase,credit risk gradually increased,market interest rates continued to decline,and investment projects were obviously insufficient.How to revitalize bad assets has an important impact on resolving the financial crisis and promoting economic development.On December 1,2016,the Supreme People's Court promulgated the Provisions of the Supreme People's Court on Several Issues Concerning the Amendment of Additional Parties in Civil Execution,and subsequently issued the latest judicial interpretation on the transfer of creditor's rights.The judicial interpretation clarifies that both the natural person and the legal person can become the transferee of the creditor's rights,and the right to claim can be granted.The promulgation of this judicial interpretation broke the complete monopoly position of the original asset management company's acquisition and disposal of non-performing assets of the bank,and opened up new channels for the acquisition and disposal of non-performing assets of banks.The case of this paper is the first acquisition and disposal of bank non-performing assets by a non-asset management company in Anhui province,and the whole process of the acquisition and disposal of bank non-performing assets is sorted out.Therefore,based on this case,this paper is based on the perspective of non-performing asset disposal pricing.Firstly,the background and significance of the research,the research status at home and abroad,the research ideas and methods,and the innovation and shortcomings of the research are explained.Secondly,the basic theory of non-performing assets,the acquisition and disposal of non-performing assets,the evaluation method of non-performing assets and the important principles of evaluation are explained.The second part describes the case of G company's acquisition and disposal of the bad assets package of bank of communications,including the introduction of G company and bank of communications,the details of the assets in the bad assets package,the process of G company's acquisition and disposal of the bad assets package of bank of communications,the investment logic of G company and the disposal result of the bad assets package.Finally,the asset disposal pricing is analyzed,the residential and commercial real estate is valued,and then the realization discount rate,discount rate and other costs are calculated to finally calculate the asset disposal price.Summarize the full text,draw the enlightenment given by this case,and put forward Suggestions for investors to acquire and dispose of non-performing assets.This paper holds that,with the scale of non-performing assets of commercial Banks increasing year by year,and the disposal policy and legal environment of non-performing assets improving,the market begins to convert to the buyer,and how to determine the disposal price of the assets in the non-performing assets package is of crucial significance to the feasibility of acquiring and disposing the non-performing assets package.