本文使用LossMetrics数据库中处置结束的不良资产,研究不同处置方式下不良资产回收率差异及影响因素。研究发现,不同处置方式之下不良资产回收率存在比较大的差异;不同处置方式的选择主要取决于不良资产的质量特征,但处置方式的选择对不良资产的回收也有显著的影响,资产管理公司在不良资产处置的实践中更多地采用了相对好的处置方式。
This paper studies the recovery rate difference of non-performing loans with various disposal manner and its influencing factors based on the disposed non-performing Loans in the LossMetrics database.Results show that great difference exists in the recovery rate of Non-performing loans with different disposal manner.Selection of disposal manner is dependent on the quality characteristics of non-performing loans,however,the selection also exhibits a significant impact on the recovery rate of non-performing loans.Asset Management Companies choose relatively appropriate disposal manner in practice.