Research On The Disposal Of Financial Non-performing Assets Of A Financial Asset Trading Company

China's economy has entered the transition period of economic growth,the painful period of structural adjustment and the period of policy digestion.The macro-economic growth slows down,the scale of non-performing assets and non-performing assets held by traditional financial institutions shows a "double growth" trend,and the scale of non-financial enterprise accounts receivable will continue to increase,creating a broad market for the development of local asset management companies.A financial asset trading company is a financial asset trading place registered in Qianhai,Shenzhen,approved by Shenzhen Financial Office in 2010 and funded by M commercial bank.Company A's business development is mainly to undertake the non-performing assets of M commercial bank,while facing the market,absorbing and disposing the non-performing assets.Facing the changing internal and external environment,as a local asset management platform,company A is facing great opportunities and challenges.For example,when a company disposes of non-performing assets,the cost remains high and the internal communication information lags behind.In the final analysis,the main reason for these problems is that the process management and risk control nodes of a company are partially disconnected.When a company sets the process,multiple business systems are independent of each other,resulting in the disconnection between process management and risk control management and the lag of risk prevention and control.In addition,the income from the disposal of non-performing assets of company A is one-time income,which is not stable long-term income,so it is difficult to support the future development of company A.How to solve these problems to help company a survive in the market environment of more wolves and less meat is the problem that this paper needs to answer and solve.Starting from the actual situation of China's financial market,this paper first makes a comprehensive analysis of the concept and causes of financial non-performing assets,and at the same time compares the disposal practices of domestic and foreign financial non-performing assets.Secondly,taking the disposal of non-performing assets of a financial asset trading company as the research object,this paper comprehensively summarizes the current situation of the management of non-performing financial assets of a company through practical understanding,interviews and other ways of personnel at all levels of the enterprise,and deeply analyzes the problems existing in the disposal process of non-performing financial assets of a company.Finally,according to the problems existing in the disposal of non-performing assets of company a,the corresponding countermeasures are put forward from the aspects of management and control mode,disposal mode,information construction,etc.This paper is closely related to the policy-oriented economy and the actual situation of enterprises,and has certain application value and guiding significance for the management of non-performing assets.