Legal.
In recent years, with the deepening of domestic deleveraging and structural adjustment, the number of participants in the non-performing asset market has gradually expanded, gradually expanding from the original "four major AMCs" to "5+2+ banking system AIC+ N” diversified pattern, the number of participants in the non-performing asset market is expanding day by day, and the market levels are differentiated. As regulatory authorities standardize and standardize the management of non-performing asset disposals, financial institutions have an increasing demand for the introduction of external professional teams to provide non-performing asset disposal services.
According to the main regulatory indicator data of commercial banks released by the China Banking and Insurance Regulatory Commission, as of the end of the fourth quarter of 2021, the balance of non-performing loans of my country's commercial banks was RMB 2.84 trillion, an increase of approximately RMB 0.15 trillion from the end of 2020; The non-performing loan ratio of commercial banks is 1.73%, slightly lower than that at the end of 2020. The negative impact of the sudden COVID-19 epidemic on the business environment of enterprises in 2020 continues to spread. The policy of deferred principal and interest payments during the epidemic will cause the risk exposure of some non-performing loans to lag. The current epidemic spreads at multiple points, and many enterprises, especially small ones, Micro-enterprises and individual industrial and commercial households still face difficulties in production and operation. Against the background of increasing downward pressure on the macro economy and tightening financial supervision, the scale of non-performing loans of commercial banks may continue to increase. In 2021, the banking industry has disposed of a total of RMB 3.13 trillion of non-performing assets, a year-on-year increase of RMB 0.11 trillion. Industry insiders predict that the disposal of non-performing assets in my country's banking industry will still maintain a scale of "3 trillion +" in 2022.