400-9090-900 服务时间 : 9:00-21:00
APP下载

一堂关于的不良资产行业基础知识的培训

发布时间:2018-11-15来源:欢乐合家
<p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">大家好,上个星期五,东融内部员工又开展了一次培训课,关于主业是不良资产处置的东融,这次主讲<strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">金融不良资产行业</strong>里面的银行逾期信贷资产,来听培训课的人多到不行,有用户也有员工,会议室里几乎坐不下了。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">这堂课让小助手更深入的了解不良资产。了解到什么是银行不良资产、不良资产的类别、行业发展趋势以及不良资产行业的基本情况等。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">讲课老师是东融内部的专业人士,八年不良资产收包、处置的实战经验,培训内容非常精彩。她讲了生活中我们知道或不知道的一些不良资产,以及不良资产的收购、处置、投资等等,对自己专业知识的提高很有帮助。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">小助手尽量用简单易懂的文字与大家分享一下。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br/><br/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">什么是银行不良资产?</span></strong></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">通俗点解释,就是因为贷款人违约导致可能或已经给银行造成本金或利息暂时不能按期收回的信贷资产,即为不良资产。不良资产所对应的资产在很多人印象中可能是破旧房屋,荒郊野地之类的,那可就错了,其实很多不良资产的底层资产还是很优质的,只是由于资金链断裂等原因导致银行贷款逾期,形成不良。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">不良资产的底层资产主要有不动产,包含:住宅、商业地产、工业土地厂房、码头等;另外还有有一些其他资产,比如:动产(汽车船舶等)、权益类(采矿权、股权等)、无形资产(商誉、知识产权等),当然还有一些是信用贷款(保证贷款、信用卡等)。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">不良资产如何收包?</strong></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></span></strong></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">我们的收购团队,在行业内也算小有名气,渠道资源丰富,可获得大量的资产包信息。海量的资产信息清单中,收购团队会根据几个标准做初步筛选。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">筛选的标准包括:资产包的规模、抵押物所在区域、抵押物类型、抵押物的变现灵活度、案件进展、司法情况、预计回收周期等,结合众多因素做一个大致的价格预判后,再确定是否参与尽调。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">我们做过一张图,各个流程一目了然。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; line-height: 28px;">如何确定债权的价值呢?</strong></span></strong></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></span></strong></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; line-height: 28px;">资产包是由许多个单项不良资产组合打包的,如何准确的评估这些资产的价值呢?<strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">尽职调查</strong>。</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; line-height: 1.6;">这是整个收包环节里非常重要的一部分,能让我们最真实地了解这个资产包,从而做出交易决策。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; line-height: 28px;">尽职调查</span>分为<strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">法律尽调</strong>和<strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">现场尽调</strong>两部分。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; line-height: 28px;">法律尽调主要是委托律所进行法律尽职调查,在调查中核实相关文件的准确性,合法性,以及是否有法律瑕疵,对案件的处置进展和处置预案的判断等都需要在报告中体现。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">除了律所案头的法律尽职调查之外,尽职调查还有第二个部分,现场尽调。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">现场尽调主要是对抵押物的勘察、当事人走访、相关部门(房管、国土、税务、法院、破产管理人等)的走访。从抵押物的基本情况、使用状态,周边环境的现场勘察,到对当事人(债务人、保证人、抵押人)的走访,到各个相关部门能够搜集到的关于案件的实际情况、前因后果、潜在事件等都需要做深入的了解,便于后续的定价以及处置。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">尽职调查后,就到了估值定价。</span></strong></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></span></strong></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">定价是不良资产收购环节里重要的一环。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">如何精准定价这是个技术活。既要能够提高参与投标的中标率,又要保证中标价不能过分偏高,这里面要考验的就是多方面的专业知识技能、信息搜集的充分程度,以及经验的积累了。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">以上就是培训主要内容了,最后,老师还讲了关于不良资产的投资价值,和不良资产行业的逆周期性。现阶段全国经济形式走低,投资风险增高,不良资产恰恰在逆势中成长的一个很好的投资产品啊。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">另外,很多投资人来问上次关于资产配置的培训资料在哪里。今天晚上我们打算开一个直播的小课堂,叶振主讲,关于<strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">资产配置</strong>,会是个基础版的讲解,简单易懂,<span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">更</span><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">适合理财新手来</strong><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">看。今天晚些时候会便签通知大家具体的直播地址。</span></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" text-align:="" white-space:="" widows:="" line-height:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">还有一件事要和大家说一下,决策委候选人名单经过几天公示后,在投资人和东融的共同物色、理性评判下,最终的人<span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">选</span>已经选出来了。最终的成员名单今天下午起会在债权登记系统里公示,里面有候选人的介绍,欢迎大家前去查看。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><br/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, " helvetica="" pingfang="" hiragino="" sans="" microsoft="" yahei="" font-size:="" font-variant-numeric:="" font-variant-east-asian:="" letter-spacing:="" line-height:="" text-align:="" white-space:="" widows:="" background-color:="" box-sizing:="" border-box="" overflow-wrap:="" break-word=""><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px;">后面,东融会和各个选中的代表进一步沟通,</span><span style="margin: 0px; padding: 0px; max-width: 100%; font-size: 15px; letter-spacing: 0.544px; line-height: 29.75px; box-sizing: border-box !important; overflow-wrap: break-word !important;">接下来,</span><strong style="margin: 0px; padding: 0px; max-width: 100%; font-size: 15px; letter-spacing: 0.544px; line-height: 29.75px; box-sizing: border-box !important; overflow-wrap: break-word !important;">我们将和新东融发展决策委、东融系债权人监督委员会一起</strong><span style="margin: 0px; padding: 0px; max-width: 100%; font-size: 15px; letter-spacing: 0.544px; line-height: 29.75px; box-sizing: border-box !important; overflow-wrap: break-word !important;">,全力推进资产处置和还款工作,争取早日还钱,早日还大家一份安心。</span></p><p><br/></p>