Research On The Evaluation And Disposal Of Ownership Of Property In Non-Performing Loans Of Finance Investment Institution

The Non-performing Loans (NPLs) is a globalized question, and it's one of the important questions that affect the economy and the reform of finance system in China. Especially our country's finance market was already opened to the outside world comprehensively ever since 2007, and the domestic financial competition drama is intense. Moreover, in 2008 the global financial crisis trigged by the American loans crisis was also affecting our country. Under its influence, the amount of the small and medium-sized enterprises going out of business is considerable, then our country faces the aspect which once more NPLs storage quantity increasing, the large amount bad assets already became the huge hidden danger of our country economy movement. How to effectively disposal and stimulate Commercial bank's bad assets, and how to safeguard the finance and the economical in the normal order development will be the key point of our country's finance work in the future. At the present, the amount of the bad assets in China was still big, and the most important reason is that the appraisal and the handling of the bad assets were not well solved theoretically and practically, which causes the handling efficiency to be low. Simultaneously, following with the extension of its handling time, the property value risk increased. This kind of aspect already brought to the home money Control section's attention, then, how to solve bad assets handling question in advance through the fundamental research to cause it to work the instruction function and the standard function to the bad assets handling practice, thus promoting the advancement of the bad assets handling already became is relatively important.On the foundation of summarizing earnestly and evaluating objectively the research on the bad assets appraisal and the handling question at home and abroad, embarking from the marketability handling of the real right class bad assets, the paper fixes its key points on the duteous investigation for the real right class bad assets, the appraisal of the bad assets and the evaluation of the bad assets' handling program. Finally, this paper carries on the examination through the real diagnosis.Begin at the selection of the persons handling the bad assets, the paper explains the complexity of the bad assets through the massive realistic material, which requests higher quality of the person handling the bad assets. Using of the newest theory of the human resources competence strength management, this paper constructs the model of the post competence strength of the person handling the bad assets, and performs the foll and accurate elaboration and the explanation to the model content.On the basis of the model of the post competence strength of the person handling the bad assets, the paper constructs the evaluating indicator system of the personnel selection. Then this paper gives the assessment method of the personnel selection, which adopts the method which combines the subjective fuzzy appraisal with the objective score on the test appraisal. The subjective fuzzy appraisal uses the triangle fuzzy number to carry on the quantification transformation of the appraise expert's evaluation, and the objective evaluation carries on normalized processing of the total result of the test to make the appraisal to be more direct-viewing.The paper elaborates in detail the real right class bad assets existing appraisal method as well as the appraisal influencing factor, and aims at the reset cost law, the market comparison test and the current value income method appraisal procedure and the appraisal computing technique performs to introduce in detail, had pointed out the sole appraisal method's insufficiency and the flaw, and proposed the real right class bad assets combination appraisal forecast's thought that this thought overall evaluation each sole forecast technique's characteristic, the forecasting result which obtained according to the different forecast technique, selected the suitable weight to carry on the weighted average, thus obtained one newly, many models to combine in together forecast model.This paper proposes the bad assets appraise its essence are appraise the value realization degree appraisal the viewpoint, namely to handles the realization returns-ratio the appraisal, based on this viewpoint, needs to handle the realization returns-ratio to carry on the science the appraisal. This article uses the trapezoid fuzzy theory to appraise the bad assets handling realization returns-ratio. First through the construction bad assets evaluating indicator system, the union trapezoid fuzzy theory, invites the expert to the bad assets evaluating indicator weight, the target score value and so on to carry on the allocation, then the utilization fuzzy judgment method carries on the appraisal, finally the measure results and the bad assets combination forecast's evaluation value will unify, may calculate is appraised the bad assets handling realization the value.The bad assets handling realization transaction is the last part of the handling link of the bad assets, and is also the final reflection stage of the invests' effect. Therefore, appraises the optimal plan in the limited plan to put into practice is the investment institution needs the key consideration. According to the real right class bad assets the characteristic, this paper uses the incomplete multi-objective decision making theory, proposes the real right class bad assets handling plan's assessment method, and gives the appraisal step.Finally, the paper conducts the empirical study based on the handling of the real right class bad assets of the investment institution. First, this paper uses the personnel evaluating indicator system based on the competent strength model to conduct the research on the personnel selection; then the paper uses three appraisal methods to carry on the appraisal separately to the property, gives the realization estimate method according to the paper, obtains this bad assets through the computation the handling appraisal price; Finally, this paper uses the theory of the utilization incomplete multi-objective decision-making to carry on the optimal appraisal under two condition's handling plans.