Study On The Disposal Of Bad Assets Of Local AMC Commercial Banks

Shift in economic groxwth and the supply side under the background of the reform,the bad assets disposal industry ushered in the rapid development stage,regional uand local risk along with our country economy into a "new normal" gradually revealed and superposition of three periods of time,commercial Banks non-performing loan balance and the non-performing loan ratio increased year by year,and in recent years due to the gradually development of city commercial Banks and rural commercial Banks,the heavy historical burden and the characteristics of high concentration in city business,bank non-p erforming loans is growing rapidly.from 2012-201 7,The average annual compound growth rate of non-performing loans of urban commercial Banks and rural commercial Banks is 34.2%and 44.6%respectively,while the non-performing loan ratio of commercial Banks in western and ccentral regions has b een around 2%in recent two years,gradually showing regional characteristics.The establishment of local AMC to prevent local financial risks has become inevitable.The four AMC trivializes situated in disposal of traditional commercial Banks non-performing assets do not have advantage,in addition,under the background of rapid development in non bank financial institutions,trust companies,consumer finance comp anies is also the objective demand of the disposal of non-performing assets,o f the rapid expansion of the scale of bad assets and the systemic risk was not four AMC to deal with,so help the local AMC arises at the historic moment,to the healthy development of the regional economy and the continuous acceleration and expansion.Compared with the four AMC,local AMC,with its prominent geographical advantages,strong and rich shareholder background and flexible disp osal strategy,is more likely to obtain abundant projects and infornation resources,so it gradually plays an important role in the disposal of non-performing assets of commercial Banks.This paper combined with the thick assets disposal of bad assets of bank of China,anhui branch this specific case,the researches in this paper,first of all is pointed out that the commercial Banks of anhui province from 2012 to 2017 total non-performing loans have been rising,the financial institutions of the bank's non-performing assets average annual compound growth rate of 23.8%,which leads to the local AMC aims to reduce the scale of non-performing assets in anhui province-'thick financial assets management co.,LTD.Then the disposal process is introduced in detail,highlighting the territorial advantages of the country's thick assets.Compared with the four AMC companies,local AMC companies are limited by the lack of financial licenses,single financling means and limited financing methods,which restrict the expansion of their business scale.In addition,they have been established for a short time,and they do not have rich experience in handling,and the corresponding judicial interpretation and tax preferential policies need to be improved.Based on the above problems,relevant Suggestions should be put forward from four aspects.First,deepen local culture and build a local comprehensive financial service platform.Second,expand financing channels and deepen cooperation with all parties.Third,promote innovation in means to build an industry chain of non-performing assets +.Fourth,systemically confirm the legal status and regulatory mode of local AMC to realize fair competition with the four AMC's.