Study On Improvement Strategy Of Credit Non-performing Assets Disposal Business Of Asset Management Service Company B

Since 2020,affected by factors such as the COVID-19 epidemic and the global economic downturn,the business environment at home and abroad has become more complex and changeable,and domestic non-performing assets have gradually increased.According to the data from the China Banking and Insurance Regulatory Commission,the non-performing loans of commercial banks continue to rise,especially by the end of the first quarter of 2022.The balance of non-performing loans of commercial banks will reach 2.9 trillion yuan.The data of various non-performing assets outside the statistics of the China Banking and Insurance Regulatory Commission are not optimistic.As a special asset that affects the healthy development of the financial industry,non-performing assets seriously affect the stability of the financial order and the benign operation of the socialist market ec onomy,which is an urgent problem to be solved.How private enterprises can timely and effectively dispose of non-performing assets within the scope of th eir participation,improve their disposal capabilities,and speed up the disposal process is of great significance to the stability of my country’s financial industry and economic growth.This thesis introduces the situation of the private B asset management service company(referred to as B company),uses the PESTEL theory and 3C theory to analyze the internal and external environment of B company,uses the value chain theory to find out t he problems that B company is currently facing and draws.The improvement measures that Company B needs to make if it wants to improve its revenue target and competitive advantage.Generally speaking,Company B needs to actively adjust its operating model following policy changes.In addition,it needs to change its current disposal status in terms of its own disposal methods.In the market,it should pay attention to the growth of existing customers,do a good job in maintaining customer relationships,and actively develop banking customers to enrich its disposal volume.Cooperate in many ways to achieve the goal of increasing its own revenue and enhancing its competitiveness.In terms of the general environment,with the economic downturn,non-performing assets are still increasing.In addition to the investment of nationa l and local asset management companies,more and more private capital is also optimistic about the investment opportunities of non-performing assets.There are few works of literature on the participation of private institutions in the disposal of non-performing assets,especially the research on the participation in the disposal of non-performing assets of credit.Through the introduction and research of B company,I hope to provide some reference for other private companies to participate in the disposal of non-performing assets.