1, the bank can't on time (according to the severity of the non-performing assets, can choose bank bankruptcy liquidation or according to the predetermined time limit), full specified amount (according to the predetermined rate) into the line of asset reorganization.
2, after the bank lending in the form of bank credit assets is not in conformity with the principle of safety, liquidity and profitability in overdue, dull, bad condition and some of the loans at risk.
3, bank can't normal back or not to return the loan received.
4, refers to in a good operating state, not brings to the bank in time to normal interest income and even hard to recover the principal of bank assets, mainly refers to the non-performing loans, including subprime loan and its interest, suspicious and loss.
5, Banks can't timely get in interest income and withdraw the principal assets.
6, a good management of the state of the Banks' assets, primarily non-performing loan assets, the bank can't recover the principal and interest of the loan in a timely manner. Include: failed to recover overdue loans, dull loans and non-performing loans.
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The dangers of bad bank assets
The following harm done by the huge non-performing assets to the state-owned commercial Banks:
1. The influence the bank's capital turnover. Especially in the case of austerity or deposit landslide, Banks can't increase positions through loan recovery, often appear payment difficulties, affect bank reputation.
2. Thereby causing loss to the bank's assets. Even if a pawn can be converted into cash, but there is also a certain amount of money loss. Inventory assets restricts the turnover of funds, make the bank funds could not be applied to yield larger projects, the bank financing source is a kind of loss.
(3) leads to the deterioration of the bank's financial condition. The impact on the bank's financial bad assets is twofold. On the one hand, the more interest on the loan will not be repaid, the bank will pay this money according to the facts of the interest and other related expenses. On the other hand, the national financial system regulation, whether the interest paid in within a certain time, should be included in operating income. Therefore, the enterprise due to the more interest, bank virtual surplus real kui phenomenon is more serious.
4. Reasonable allocation of social resources. Capital is a leading factor, sedimentation configuration efficiency was unable to play, which directly affect the realization of the whole national economic benefits.
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Management measures of non-performing assets of Banks
1. The formation of bad credit assets stripping system reason. National institutional debt of Banks and enterprises should take out a piece of institutional resources compensation, changed the loans to investment is the enterprise can't repay the bank loan to investment in the enterprise, is mainly refers to some of the national economy and people's livelihood and social stability of large enterprises loan defaults. 2. Professional shall carry out the corporate banking. Professional corporate bank, aims to establish property right clear, nobody is clear, from government administrative intervention, \"their own risks, and to balance, self-discipline, self-financing, self-development\" of the operating mechanism. Adhere to the principle of capital liquidity, safety and profitability, from the system to function all conform to the business principles of state-owned commercial Banks.
3. The construction of state-owned enterprise groups, to promote enterprise assets reorganization. Enterprise group is produced for the modern productive scale economy requires a form of enterprise organization. Best production scale, the lowest cost and benefit, it not only through the joint gathered huge productivity, to produce a single enterprise is difficult to realize the combination effect of rapidly meet the requirements of modern economies of scale, at the same time, its organization, which fully reflects the flexible management of commodity economy. Have fast advanced development pattern, the enterprise group is faster than any other form of organization development, role in economic life.
Scale economic benefit, the intensive production enterprise group company, there are two main ways: one is the implementation of individual enterprise scale expansion, it is a corporate restructuring, through mergers and acquisitions and other forms. Powerful group co., LTD., and the latter has become adapted to market economy development request form the mainstream of group company.
The government's assets reorganization of enterprises work to strong leadership and planning, by way of joint venture, cooperation, grafting, restructuring and resources, to achieve resource restart, restructuring must implement the bank creditor's rights at the same time, in order to achieve the purpose of credit assets.
4. Strengthening the management of bank credit. Credit assets risk prevention and management of every loan credit investigation, loan review, post-loan inspection before, strengthen credit management must be carried out on loan management responsibility system. One is to clarify the responsibilities of relevant personnel, the establishment of President responsible for the system, the separation of approving system, hierarchical examination and approval system, leaving the audit system, so as to reduce the management risk. 2 it is to correct their loans light tube phenomenon, achieve the fundamental transition from extensive to intensive management style, improve the level of management, improve the level of risk management, in particular, to prevent and reduce new bad credit assets.
5. In accordance with the loan. First of all, from the legal safeguard the autonomy of commercial Banks and the legitimate rights and interests, put an end to the government's administrative intervention of Banks; Next, want to support the bank to collect the loan principal and interest, if necessary, by means of the law, for enterprises to evade the debt restructuring of the machine or not also rich, covert auction erosion bank assets such as mortgage goods, behavior, and to maintain the legitimate rights and interests of the bank.
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