银行业不良资产处置:基于互联网平台的模式创新

发布时间：2018-09-14 08:59

【摘要】：在中国银行业新一轮不良资产形成的周期中,大部分不良资产具有因经济周期而导致的"资源错配"特点。如何重新发现这些不良资产的价值,成为当前维护金融体系稳定需要研究和解决的重要问题。基于互联网平台的不良资产处置模式创新为这一问题带来了可能的解决方案。近年来,网络化的不良资产处置平台开始出现,如金融资产交易所、淘宝资产处置平台等。然而,现有平台权威性和专业性不足、目标客户和业务属性尚不清晰,加上不良资产处置作为非标业务,线上化难度大,因而目前银行业不良资产处置在很大程度上仍然依赖线下工作。为此,要以"互联网+"为指引,加强专业化的不良资产网络交易平台建设,发挥平台效应,联接各方面的资源和需求,提高不良资产处置的效率。
[Abstract]:In the new round of non-performing assets formation cycle in China's banking industry, most of the non-performing assets have the characteristics of "resource mismatch" caused by the economic cycle. How to rediscover the value of these bad assets has become an important problem to be studied and solved to maintain the stability of financial system. The innovation of bad assets disposal mode based on Internet platform brings possible solutions to this problem. In recent years, the network of non-performing assets disposal platform began to appear, such as financial asset exchange, Taobao asset disposal platform. However, the existing platform is not authoritative and professional enough, the target customers and business attributes are not clear, and the disposal of non-performing assets, as a non-standard business, is very difficult. As a result, the current disposal of non-performing assets in the banking industry is still largely dependent on offline work. Therefore, under the guidance of "Internet", we should strengthen the construction of specialized network trading platform for non-performing assets, bring into play the platform effect, link up the resources and demands of all aspects, and improve the efficiency of the disposal of non-performing assets.
【作者单位】：中国华融资产管理股份有限公司博士后科研工作站;中国科学院大学管理学院博士后流动站;中国社会科学院金融研究所博士后流动站;
【分类号】：F832.2;F724.6

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