| In October 2012,the CBRC issued to four Asset Management Co "financial Asset Management Co acquisition of non-performing assets management measures for non-financial institutions(solicitation draft)",and began to encourage Asset Management Co to carry out non-financial assets acquisition business.In 2014,Huarong H branch began to expand the acquisition of non financial debt.By the end of 2017,Huarong H branch business invested in many industries,such as real estate,new energy,agriculture,heat of people’s livelihood,tourism and so on,which strongly supported the local economic development in Heilongjiang.But in Huarong H branch’s development of non financial debt business,how to identify risks and control risks is still an urgent problem.First of all,this article has carried on the background analysis of the subject and the article research at home and abroad,It is found that there are no mature theories and technologies at home and abroad to solve the issues of risk identification,prevention,management and control of financial asset management companies.And there is a lack of effective solutions to the risk control of the acquisition and restructuring of non-financial debt.Secondly,this paper makes an in-depth analysis on the trading structure,transaction operation arrangement and repayment source of the commercial acquisition and restructuring non financial debt project of Huarong H branch,and identifies the risk factors of the project by the classic effective risk identification methods such as the specialized method financial analysis and the environmental observation method.Then,risk assessment is achieved by establishing risk assessment indicators and scoring the index weights in a combination of theory and practice.Finally,regarding the results of the risk assessment,H branch company is improving the credit evaluation system,Building a High Reliability Risk Indicator Evaluation System,Advised on establishing risk management and control mechanisms and strengthening financial and legal services. |
