Port communicationRegister a non-performing asset processing company. Strictly speaking, the non-performing assets of banks are also called non-performing debts.，The main ones are non-performing loans，It means that the borrower cannot meet the deadline、Loan with principal and interest repaid according to quantity。
That is to say，Loans issued by banks cannot be based on pre-agreed terms、Interest rate recovery of principal and interest，Non-performing assets of banks mainly refer to non-performing loans， 98After 2000, China introduced Western risk control mechanisms.，Classify assets as "normal"、"focus on"、"Secondary"、"suspicious"、"Loss" five-level classification，which would be "normal"、"Focus" on existing assets classified as banks，Will "secondary"、"suspicious"、The three categories of "loss" are classified as non-performing assets of banks.。
Except *major non-performing loans，Bank’s non-performing assets include non-performing bonds, etc.。Jiancheng Assets pointed out that in the NPL cycle，With the securitization of non-performing assets、The implementation of debt-for-equity swaps，Banks' non-performing assets can also be flexibly involved in corporate equity and production operations.，and assign supervisory functions to。
Non-performing asset disposal company registration Government’s non-performing assets，securities、Insurance、fund、non-performing assets of trust，Unified accounting standards apply to non-performing assets of non-financial enterprises，This type of non-performing assets refers to the net losses and potential losses of assets that the company has not yet dealt with.(funds)Debt pending，As well as the estimated loss amount of various problematic assets that should be provided with no asset impairment provisions according to the financial accounting system.。
Discount income: Anyone who has ever taken a loan from a bank will know this.，The biggest feature of bank loans now is that they are fully collateralized，The collateral is mostly houses、land、Lin Quan et al.;Mortgage rates are generally between 30% and 70%，50%Mostly;And the bank’s credit is high，The generation and disposal of non-performing assets are relatively standardized，Overall quality is better。 For disposal companies，What is recovered is mainly debts or mortgages。
For creditors，I bought this debt back at a 20% discount.，I'm going to negotiate with the debtor，You can't pay back the full amount，Then you can pay back 50%，If you pay back 50%, I will cancel your debt.。In this way, the debtor pays less than half of the money，Earned;The asset management company buys it back at 20% of the cost，Take back 50%，Earned 30%。
For collateral，A similar approach to the above can be adopted，Release the mortgage after repayment，Or apply to the court to seal it and then auction it publicly.，The auction proceeds minus the cost of acquiring non-performing assets is the profit。 Asset Appreciation Securities included in some asset packages、Fixed assets, etc., all have greater room for value appreciation.，This part of assets is in a cycle where the market trend is upward.，Created considerable value-added benefits for the company。
The investment philosophy of non-performing assets can actually be summarized simply and crudely as:A change from quantity to quality，buy low sell high，Countercyclical process。during economic downturn，Buy in bulk at low prices，As the economy improves，Some of these good assets are starting to appreciate at a premium，resell。
About Hong Kong Xintong
Hong Kong Xintong focuses onGuangdong and Hong Kong license plates、Shenzhen Hazardous Chemicals Business License、Shenzhen labor dispatch licenseandShenzhen Charity Foundationapplication services，Assist customers to applyShenzhen travel agency business license、Shenzhen pawn shop business license、Shenzhen auction house license and other mainstream domestic financial licenses，Support enterprises to achieve compliance expansion of cross-border financial business。Also availableODI overseas investment registration、International travel agency registration and other services，Help enterprises expand their presence in international markets。Provide one-stop compliance solutions for enterprises。To learn more，Please contactHong Kong Information Communications Consultant。
