Risk Management Research On Non-performing Assets Acquisition Due Diligence Of XC Asset Management Company

Affected by global public health events and major domestic and international changes,China’s macroeconomic and financial environment is facing severe challenges,with the scale of non-performing loans in banking financial institutions rising and credit risks in key areas further exposed.In order to resolve the risks of key areas and troubled institutions,further improve the financing supply environment,and increase the relief efforts for market players,the state has introduced a series of new regulatory policies to promote asset management companies to focus on their main business and innovate new means of non-performing asset disposal,and the industry of non-performing asset management has been given a new mission to reform and transform the risks.As a purchaser in the secondary market of non-performing assets,local and municipal non-licensed institutions play an important role in resolving regional financial risks,revitalizing the stock assets of local enterprises in difficulty and keeping local high-quality resources from being lost.In the process of non-performing asset acquisition,due diligence on target claims is the primary task of the acquisition process and the first line of defense for risk prevention.This paper takes the risk points of XC Asset Management Company in the due diligence process of non-performing asset acquisition as the case study object,enumerates in detail the processes,methods and contents of the case company in the due diligence process of non-performing asset acquisition,and identifies the risk points in the business process by using Delphi method and questionnaire survey method,then establishes the risk assessment index system by using hierarchical analysis method,calculates the index weights of each risk factor,and finally Finally,we propose corresponding risk control measures based on the weight calculation results.From the research results,we can see that for the whole due diligence business,risks exist in three dimensions: inherent risk,control risk and inspection risk;they can be divided into four levels: risk of debt itself,risk of due diligence operation,risk of internal control and risk of external environment;the risk factors ranked in the top five in terms of weight are: adequacy of information,quality of collateral,debtor’s willingness to repay,personnel’s business ability and risk management system.Finally,according to the different risk categories,the article proposes measures such as integrating information resources through multiple channels,making full use of information-based due diligence tools,conducting compliant transactions to avoid risks,reasonably grouping packages to appropriately bear risks,optimizing staffing to transfer risks,and improving the risk management organizational structure.The purpose is to assist XC Asset Management and similar asset management companies to prevent and control risks in a timely manner during the business process,lay a good foundation for subsequent acquisitions and disposals,and improve efficiency and effectiveness.