Study On The Management Of Debt-service Asset At Bank Of Qinhuangdao

In the context of the rapid development of the banking industry,the management of debt-service assets has gradually become a realistic problem that banks need to solve.Based on the actual situation of Qinhuangdao Bank's debt-service asset management,this paper analyzes the problem of debt-service asset management that plagues the development of banks,and propounds some pointed solutions to provide guidance for banks to carry out debt-service asset management.This paper analyzes the conditions and problems of Qinhuangdao Bank's debt repayment assets by means of literature data method,field investigation method and other methods,combined with the concept of debt-service assets,scope,and the relationship between assets and non-performing assets.The analysis shows that 90% of the bank's current debt-service assets are immovable and movable property such as housing property and vehicles.The method combined with custody and self-management is adopted to manage different types of debt-service assets by special personnel.These assets are disposed of in accordance with procedures such as market research,asset valuation and public auctions.At the same time,the analysis also found several major problems in the disposal of debt-service assets: In the asset assessment stage,the bank's failure to adopt an effective asset value assessment method leads to a false high asset value,resulting in the loss of bank funds;During the asset receiving stage,the bank passively received a large number of indebted assets with invalid,duplicate or incomplete documents,resulting in poor quality of the assets being repaid.In the asset holding stage,the bank failed to realize the commercial operation of the assets,causing a large number of assets to be idle,lost or damaged,resulting in excessive asset loss.In the asset disposal stage,affected by the market and internal management,the bank's low disposal efficiency has caused the bank to bear large losses.In view of the problems of management of debt-service assets,this paper proposes some solutions.For scientific evaluation of asset value,the banks should introduct professional external agencies,optimization of asset valuation methods,and establishment of asset pricing processes;Prudently accept debt-reducing assets,simplify the process of debt-for-transfer transfer,and regulate the process of asset receipt,so as to achieve effective control of asset quality;Strengthen the internal governance of banks,realize the commercialization of assets management,develop asset management systems,with the aim of ensuring the preservation and appreciation of assets;Adopt a multi-disposal method such as an innovative trading model,strengthen asset audit management,implement asset disposal assessment,improve asset disposal efficiency,and inteoduct innovate products to maximize asset disposal income.The biggest highlight of this article is that the author originally developed a docking product that provides effective write-offs of the debt-service assets.This product is a perfect combination of auction loan and collateral front-end business,forming a risk-free closed loop.Not only can it accelerate the disposal and circulation of the assets indebted,but also hold down the debt assets from the origin.Furthermore at present,similar prototype products were found only in a small area in Jiangsu and Zhejiang provinces.Therefore,we can say that this upgraded product has a broad space for promotion in China,and will effectively help banks reduce the bad loans,solve the current problems that plague banks,especially small and medium-sized banks,and finally realize the accelerated disposal and effective management of debt assets.