If the online loan is not repaid and is transferred to non-performing asset disposal, it is a very serious situation. The assets in the name of the lender may be reorganized or sold in various ways, such as a public sale agreement. Transfer, transfer by bidding, transfer by bidding, packaging and disposal, etc.

1. What are non-performing assets?

Non-performing assets are a very broad concept. Different industries and fields refer to different meanings of non-performing assets. They refer to the non-performing assets in accounting subjects. Bad debt accounts include bank non-performing assets, securities non-performing assets, insurance non-performing assets, corporate non-performing assets, etc. For example, bank non-performing assets mainly refer to non-performing loans or bad debts and bad debts, and corporate non-performing assets refer to asset losses that have not been dealt with by the company. and potential losses are posted, and the estimated loss amounts for various problematic assets due to unprovisioned asset impairment provisions are formulated in accordance with the financial accounting system.

2. What is the disposal of non-performing assets?

The disposal of non-performing assets refers to the value realization and value enhancement activities of assets through the comprehensive use of all means and methods within the scope of laws and regulations. , the scope of asset disposal can be divided into equity assets, debt assets and physical assets according to asset form. The method of organizing assets and assets is divided into final disposal and phased disposal according to the realization of assets. Final disposal mainly includes bankruptcy liquidation, auction, bidding, agreement transfer, discount realization and other methods; phased measures mainly include debt-for-equity swap and debt restructuring. , litigation and litigation preservation, debt repayment with assets, asset replacement, corporate restructuring, physical asset reinvestment and improvement, physical asset leasing, asset restructuring, physical asset investment, etc.

3. What are the ways to dispose of non-performing assets?

The simplest way to dispose of non-performing assets is collection. When collection fails, there are other methods. Disposal of non-performing assets: including asset restructuring, litigation recovery, debt-to-equity swap, diversified sales, asset replacement, leasing, bankruptcy liquidation, etc. Diversified sales, including public auction, agreement transfer, bidding transfer, pricing transfer, packaging and disposal, and subcontracting.