Some went bankrupt due to poor management, while others managed to make ends meet.
In addition, there is a class of market players (enterprises and individuals) who are operating normally and have the repayment ability, but after the loan expires, they fail to return the corresponding money and interest to our lending institutions in time.
Because the country is too big, many of our lending institutions and borrowers are geographically separated. In this way, if all kinds of lending institutions resort to law, the litigation cost of one party is too high, and the litigation result of the other party may not be ideal.
Moreover, even when the litigation results are very favorable, our light asset lending institutions deal with all kinds of borrowers and debtors? Compensation assets? (common in all kinds of real estate), it is also very difficult.
In this context, our lending institutions tend to put such difficulties? Problem contract? , the so-called? Bad loans? , transfer to some majors? Take over the company? .
Major? Take over the company? Usually, one is located in the same geographical area as the debtor, the other is familiar with local laws and regulations and not afraid of litigation, and the third is that the heavy asset company has established various business contacts with the heavy asset company and can effectively handle various court rulings? Offset? (Typical real estate).
According to the market rules, the transfer of problem loans by lending institutions can realize the optimal allocation of resources. 1. Help lending institutions concentrate on developing their main business; 2. The corresponding creditor's rights are transferred to the same region? Take over the company? Later, after that? Take over the company? Effective disposal, the corresponding compensation assets can be quickly transferred to the same area and taken over by those more suitable commercial companies of the same type.
We can observe the Taobao auction, and those properties seized by local courts can understand that it is often not easy to find suitable buyers for such properties.
Although there are countless buyers on Taobao, most of them are individual consumers. For them, taking over this kind of property that may hide various disputes will still be a drum in their hearts and will often become stagnant.
So, does this kind of real estate often appear? Liupai? Often nobody cares. At the same time, because the corresponding assets are there? Sealed? State, but also lead to this kind of assets can not be freely circulated to the market, to all kinds of production enterprises and individuals, to play the role of the corresponding resources, which is very, very wasteful.
In this sense, after determining that non-performing loans are difficult to recover, they will be transferred to the profession before litigation? Take over the company? This is also a pragmatic move.