How to register a non-performing asset disposal company

How to register a non-performing asset disposal company to transfer non-performing financial assets，including auction、bid、Bidding transfer and agreement transfer, etc.。

1. Disposal of assets by auction，Relevant national auction laws and regulations should be observed，Strictly supervise the auction process，Prevent collusion to lower prices、Collusion to cheat、Behaviors such as exclusion of competition。
2. Disposal of assets through competitive bidding，Please refer to relevant national laws and regulations on bidding and tendering.，Standardize bidding procedures。

How to register a non-performing asset disposal company

1. Disposal of assets by means of bidding transfer，All bidders should be given equal opportunity to bid。
2. When using auction、bid、Public disposal methods such as bidding are not economically feasible，or do not have the ability to use auctions、bid、When the conditions for public disposal methods such as bidding are，Can be disposed of by agreement transfer，At the same time, the principle of caution should be adhered to，Transparent operation，Actually record，Effectively prevent risks。
3. Auction、bid、Transfer of non-performing financial assets through bidding, agreement, etc.，Information related to transferred assets should be disclosed in accordance with relevant regulations，*Maximize transparency in the transfer process。
4. When transferring assets，In principle

Require

one time payment。

If it is necessary to pay in installments，The payment term should be、The number of times and other conditions are used as factors in determining the transfer object and price.，After implementing effective performance guarantee measures,，Part or all of the asset warrants may be handed over to the transferee。

Article 29 Disposal of non-performing financial assets by converting debt into equity or by investing in shares with physical assets，The value of convertible debt or physical assets should be comprehensively considered、The management level and development prospects of the participating enterprises and the future value trend of the converted equity, etc.，Make sound investment decisions。

Article 30: Restrictions due to objective conditions，Leasing assets that cannot be disposed of temporarily，Should comply with relevant national regulations，and without affecting the disposal of assets，Reasonably determine lease conditions，Ensure the safety of leased assets and rental income。

Article 31 Internal write-off of losses from qualified non-performing financial assets，Should comply with relevant national regulations，Develop operating procedures for write-off business，Strict write-off procedures and conditions，Review the legality and authenticity of application materials，Establish a supervision system and confidentiality system，Prevent fraud。A management system should be established for written-off non-performing financial assets，Strengthen management，And choose the opportunity to collect and dispose of。

Article 32 Acceptance of entrustment，An agency agreement should be signed when disposing of non-performing financial assets as an agent.，and handle it diligently and diligently in accordance with the agreement。Agency business should be strictly distinguished from self-operated business，Account management。 Article 33 Banking financial institutions and financial asset management companies hire intermediaries to provide services for asset disposal，Market mechanism should be introduced，Review their industry qualifications，Prioritize intermediaries with good performance，Also pay attention to cost control

cost

。

Asset disposal pricing due diligence

Require

Article 34 Banking financial institutions and financial asset management companies shall formulate management measures for the pricing of non-performing financial assets.，Clarify pricing procedures、pricing factors、Pricing methods and pricing methods，Gradually establish a market-oriented、Standardized and reasonable pricing mechanism for non-performing financial assets，Strictly guard against various risks in the pricing process。

Banking financial institutions and financial asset management companies should strengthen exploration and research on pricing methods，Gradually realize quantitative management of non-performing financial asset pricing。 Article 35 Banking financial institutions and financial asset management companies are responsible for internal assessment、The pricing department should be independent in structure and personnel from the department responsible for asset disposal.。

Article 36 Banking financial institutions and financial asset management companies shall comply with applicable accounting standards or prudent accounting principles.，Regularly (at least once every six months) revaluate the actual value of non-performing financial assets。

Article 37 The pricing of non-performing financial assets shall comprehensively consider relevant national policies.、market factors、on the basis of environmental factors，Focus on the validity of legal rights、Assessment (consulting) report and due diligence report、The solvency and willingness of the debtor (guarantor) or debt-bearing merger party、Business operating status and net asset value、Fair value of real assets and transaction cases、Market investment situation and potential investor quotes and other factors that affect transaction pricing，At the same time, attention should also be paid to the achievability of pricing、Cost and time to implement。

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