Three years after the epidemic, the number of debtors in China reached 780 million, and a considerable number of people's credit cards, credit loans and online loans were overdue. Everyone is sincere and fearful, and they are all carrying heavy burdens. 2. How to understand the discount of 100% debt? In fact, it is the centralized treatment of personal debts. I believe many people have heard that Mihang packaged debts and sold them to Xiaocui Company. Therefore, the new policy now is to skip Xiao Cui's company and contact individuals directly, and only 25% of the debt can be paid off at one time. That is to say, the debt of 654.38+00,000 only needs to pay back the debt of 250,000, and the debt of 654.38+00 only needs to pay back 25,000, so that the credit record can go ashore.
202 1 65438 10 On 7 October, the General Office of China Banking Regulatory Commission issued the Notice on Launching the Pilot Work of Non-performing Loan Transfer (Yin Bao Supervision Note [2021] No.26). Officially approved the pilot units to carry out bulk transfer of personal non-performing loans.
The pilot banks include six large state-owned banks (see attached table 1 for details) and 12 national joint-stock banks; The acquirer includes five major financial asset management companies and qualified local asset management companies (local AMC) and financial asset investment companies (AIC). (That is to say, A, you can write off your debt at the pilot bank with a discount of 2.5%. B If you want to be the executive office for the disposal of non-performing assets, you must first get the approval of the five AMC)
The pilot types of personal non-performing loans include personal consumption credit loans, credit card overdrafts and personal business credit loans (note: personal housing mortgage loans, personal consumption mortgage loans and personal business mortgage loans are not included in the pilot scope) (in other words, 2.5% discount is a bubble debt).
The "Pilot Notice" pointed out that asset management companies can only take measures such as self-collection and reorganization to dispose of personal loans acquired in bulk, and it is strictly forbidden to entrust institutions with records of illegal acts such as violent collection of black crimes to carry out collection work. (meaning: you can't cancel the executive office with a 25% discount if you are not innocent)
Asset management companies may not transfer personal loans again after purchasing them. It is a very big difference to prohibit the acquisition institution from transferring personal loans to the outside world again, compared with transferring corporate loans, which will greatly limit the ways of collection. Personal loan debts acquired by asset management companies will only rot in their own hands if they cannot be recovered.
The "Pilot Notice" puts forward that "local asset management companies accept personal non-performing loans in batches without geographical restrictions", which is also a major breakthrough in the non-performing asset management industry. Local asset management companies can participate in the primary market of personal loan bad batch transfer business, which can be carried out nationwide. Although the office is located in Shenzhen, it is not subject to geographical restrictions.
Banking credit assets registration and circulation center ("Yindeng Center") (meaning: everyone can believe the information released by Yindeng Center)
2022-07-20 Notice of the Ministry of Finance on Further Strengthening the Financial Management of State-owned Financial Enterprises (Jin Cai [2022] No.87) should intensify the write-off of non-performing assets and make full use of the existing write-off policy. 2.5% write-off is a wise measure that conforms to the national conditions, benefits the country and the people, and can solve the current predicament. It should be vigorously promoted.
2022- 12-29 Notice of the General Office of China Banking Regulatory Commission on Launching the Second Batch of Pilot Work of Non-performing Loans Transfer (Memorandum of Yin Bao Supervision Office [2022] No.65438 +0 19 1), on the basis of the original scope of pilot institutions, this time it was included in the Development Bank, the Export-Import Bank and the Agricultural Development Bank. City commercial banks and rural small and medium-sized banks registered in Beijing, Hebei, Inner Mongolia, Liaoning, Heilongjiang, Shanghai, Jiangsu, Zhejiang, Henan, Guangdong and Gansu will be included in the scope of pilot institutions. Village banks can do it now, but they used to be city banks. However, basically, the release and implementation of each measure takes a quarter. So you can look forward to it)
202 1-03-0 1 The year after the promulgation of the Regulations on Individual Bankruptcy in Shenzhen Special Economic Zone: * * 103 1 individual bankruptcy applications were reviewed, 74 cases entered the bankruptcy application review procedure, 25 bankruptcy procedures were initiated, and individual bankruptcy cases were concluded1. The examination conditions of personal bankruptcy are extremely harsh, time-consuming and labor-consuming, and it is exhausting, which can not be widely promoted and can not solve China's debt problem. (Through the parallel comparison of the two policies, it finally shows that the 2.5% discount treatment is more suitable for China's national conditions, and it is being widely promoted at present. )
In short, the rise of non-performing assets in banks will inevitably lead to the disposal of non-performing assets, and the disposal of personal non-performing assets is directly related to the quality of life happiness index of 800 million indebted people in China. We also believe that under the leadership of the * * * production party in China, debtors will be able to go ashore smoothly, the people will be better and better, and we will make the country rich and strong!