A few pictures help you clarify "China's financial institution system"

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A few pictures help you straighten out , The relationship between Chinese financial institutions …

What are the financial businesses ？

Financial business includes ： banking 、 securities business 、 The insurance industry 、 Trust industry 、 The leasing industry 、 fund 、 lending （P2P）.

The four pillar industries of finance ： Bank 、 negotiable securities 、 insurance 、 trust .

What does bank bad debt mean ？

The bad debt of the bank is actually that the funds released cannot be recovered , Also known as bad debts , There are mainly these reasons ：

1、 Overdue loans , The principal and interest payments are in arrears 180 More than days have not been returned , It is classified as bad debt .

2、 Bad loans , The loan is overdue for three years .

3、 Bad loans , The lender dies or flees , There are also some special accounts approved by the State Council , Also bad debts .

How will bank bad debts be handled ？

1、 Auction collateral or a good guarantor to repay , If at the time of loan application , There is collateral or guarantor , You can sell assets to recover funds .

2、 If the lender dies , Then the legacy left during his lifetime needs to be used to pay off the debt . If the inheritance is not paid off , The heir will repay , Of course, the heir can also choose not to inherit the estate , Bank recognition .

3、 If the enterprise owes money and has no money to repay the loan , But there is broad market space , Banks will provide liquidity to enterprises , Let the business continue , Repay the loan slowly by borrowing the new and paying back the old .

4、 Collect bad debts from banks through asset management companies , At present, China Huarong Asset Management Company has been established 、 China Great Wall Asset Management Company 、 China Eastern Asset Management Corporation 、 China Cinda Asset Management Co., Ltd

Asset management company , Special collection of bad debts , That is, official collection . In the last century 90 s , In order to put the four lines （ in 、 farmers 、 work 、 build ） Divestiture of non-performing assets , The state has set up four asset treatment companies to be responsible for docking with the four counterparts

Disposal of non-performing assets of the bank . Generally speaking, the four asset management companies correspond to the four banks , for example ： Huarong corresponds to China Construction Bank .

How do banks sell non-performing loans to asset management companies ？ for instance , China Construction Bank has made a fortune 5000 Ten thousand yuan of non-performing loans . In this loan , China Construction Bank is the creditor , At present, the law of our country stipulates , debt

The transfer of the obligee does not require the consent of the debtor . therefore , China Construction Bank can transfer this 5000 The 10000 yuan loan is transferred to Huarong Asset treatment company at an agreed price . For example, CCB takes 500 Sell non-performing loans at a price of 10000 yuan

Gave Huarong assets , Then CCB has recovered 550 Loss of ten thousand yuan （ Selling non-performing assets 500 Ten thousand yuan + Provision for loan losses 50 Ten thousand yuan ）. Huarong assets are represented by 500 After buying back this debt at the price of 10000 yuan , It can be disposed of

This loan , For example, auction the creditor's collateral , Or negotiate with the debtor .