Improvement Research Of Asset Recovery Rate Method In Evaluation Of Non-performing Assets Of Huarong Company

The fact that the US subprime mortgage crisis in 2008 and the on-going European debt crisis shows that the massive accumulation of non-performing assets not only impacts the financial market,but also poses a huge hidden danger to the stable development of the financial market.With the rapid development of China's economy in recent years,the scale of corporate loans has continued to expand,and the risk of default has increased.The rebound of non-performing loans in some areas,some regions and some institutions has emerged.Therefore,it is imperative to solve the problems lie in the disposal of non-performing assets as soon as possible.In the process of disposing of non-performing assets,asset valuation plays a vital role in determining the value of non-performing assets.To get a proper evaluation of non-performing assets to determine its objective and reasonable value and provide advice and reference for the disposal pricing of non-performing assets is imperative.The current research on the theory and method of non-performing asset assessment methods is lacking,and it is difficult to solve various problems encountered in practice.In that background,the irregularity of assessment behavior occurs and the assets valuation can not play a real role in the pricing of non-performing assets disposal.In the classification of non-performing assets,non-performing debt assets account for a large proportion.Therefore,how to properly value the bad debt assets has become an urgent problem to be solved in the disposal of non-performing assets.The main contribution of this paper is to think about the significance of the valuation of bad debt assets for asset management companies from the perspective of asset management companies,and discuss the process of acquisition and disposal of large-scale non-performing debt assets in the asset management of asset recovery.In the process of applying the asset recovery rate method,the influencing factors of non-performing assets were discussed comprehensively,and a predictive model for the recovery rate of non-performing debt assets applicable to the Chinese financial management company in the past year was established.I believe that the establishment of the forecasting model not only has practical practical value for asset management companies,but also has important reference value for the disposal of non-performing assets of commercial banks.