阿里云拍:阿里拍卖，淘宝直播，线上金融交易所等，科技赋能不良资产处置！

版块：房产信息类型：普通作者：地金网查看：102729 回复：0 获赞：0 时间：2020-06-05 16:37:04

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当前，我国重点领域突出风险得到有序处置，金融业总体平稳健康发展。有业内专家表示，在抗击新冠肺炎疫情的过程中，企业贷款逾期和违约情况会有所增加，后期银行可能会面临不良率上升、不良资产增加的压力，因而，加快不良资产处置速度、提升处置效率是十分必要的。

两会期间，全国人大代表、郑州银行(3.860, 0.04, 1.05%)董事长王天宇建议，应加强商业银行与资产管理公司合作，进一步推动不良贷款处置。王天宇认为，中小银行特别是区域性商业银行的不良资产，主要由地方资产管理公司（AMC）处置，而其只能在省内开展业务，导致中小银行不良资产处置进程缓慢。

业内人士预计，随着社会生产生活恢复正常，后期商业银行将会加大不良资产出清力度，资产管理公司也将继续加大不良资产主业经营的力度，从而缓释潜在风险，发挥金融稳定器的作用。

处置力度加大

不良贷款风险暴露存在一定滞后性，防控疫情以及推动企业复工复产，商业银行落实对企业延期还本付息等金融支持政策，在风险总体可控的大环境下，不良资产市场供给或将持续平稳增加。

根据银保监会公布的数据，商业银行不良贷款有所上升，信贷资产质量总体平稳。截至2020年一季度末，商业银行不良贷款余额2.61万亿元，较上季末增加1986亿元；商业银行不良贷款率1.91%，较上季末增加0.05个百分点。

据《金融时报》记者了解，近年来，商业银行通过核销、现金清收、市场化处置等手段加大不良贷款处置力度。2020年一季度，商业银行处置不良贷款4055亿元，同比多处置726亿元。

有业内人士告诉记者，商业银行大多采取核销方式，同时也采取综合手段，包括以物抵债、资产证券化、债转股等方式处置不良资产。资产管理公司通过市场化的手段理性收购商业银行出清的不良资产包。

近年来，金融资产管理公司不断聚焦不良资产主业，发挥处置主渠道作用。地方资产管理公司也在加大区域不良资产收购和处置的力度。面对疫情的冲击，资产管理公司在帮扶企业抗击疫情和复工复产的同时，想方设法加大主业经营力度，运用包括线上线下各种渠道，通过各种手段加大对自身存量和增量不良资产包的处置力度，抗疫和复产复工两手齐抓，发挥救助性金融功能和金融稳定器作用。

科技赋能不良资产处置

疫情的发生，给资产管理公司不良资产收购和处置带来影响，一些现场工作受疫情影响不得不停滞。在这一特殊时期，线上渠道的作用得到凸显。

随着互联网技术的兴起，资产管理公司早已经尝试并探索互联网与不良资产经营和处置的融合。无论是四大金融资产管理公司还是地方资产管理公司，早已经入驻淘宝平台以及各大金融交易所线上平台，并且成功撮合了诸多交易。

在疫情期间，四大金融资产管理公司纷纷借助各类平台在线上推介不良资产。线上推介形式也由最初的静态展示发展到如今流行的直播推介。线上直播更具多样性，可以从多个角度展示资产包的情况，有助于投资者充分获得信息，以实现交易的成功。

比如，5月20日，中国华融联合阿里拍卖，采用阿里钉钉线上直播的形式，组织上海、天津、云南等三家分公司推介金融不良资产，债权本息合计规模超过120亿元。

中国华融上海分公司主要负责人在直播中表示：“华融上海正在改变原有单一、局限的处置模式，探索以更加公开、透明的市场化模式来处置出让资产。”

业内人士表示，网络直播是不良资产线上推介的一种新尝试。5月8日，中国信达河南分公司采用四路网络直播推出不良资产包，涉及债权总额215亿元。

此前，中国长城(14.180, 0.45, 3.28%)、中国东方主动适应市场变化，也都采取了灵活多样的线上资产推介。

疫情的发生，促使金融资产管理公司转变惯性思维，寻求创新，将科技力量运用于不良资产经营中的诸多环节，客户服务、产品创新、业务运营及风险管控等领域凸显科技的力量。

处置方式将更加多元化

随着我国生产生活正常秩序的恢复，金融资产管理公司不良资产主业经营力度将会逐步加强，处置方式也将日益多元化。

有专家总结，经过多年的经营，金融资产管理公司不良资产处置方式已经从最初的“三打”（打折、打包、打官司）升级为“三重”（重组、重整、重构）。业内人士表示，不良资产处置引入了更多的投行思维，运用投行的运作能力最大限度挖掘资产价值。通过债务重组、资产重组、并购重组等方式，最终为企业重新构建管理模式，让企业焕发新的生机，实现转型，最终走向高质量发展的道路。

在不良资产处置端，市场机构将主动适应不断变化发展的市场形势，灵活运用多种渠道和手段，提升不良资产处置的效率。

来源：《金融时报》

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font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br></span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">当前，我国重点领域突出风险得到有序处置，金融业总体平稳健康发展。有业内专家表示，在抗击新冠肺炎疫情的过程中，企业贷款逾期和违约情况会有所增加，后期银行可能会面临不良率上升、不良资产增加的压力，因而，加快不良资产处置速度、提升处置效率是十分必要的。</span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">两会期间，全国人大代表、郑州银行</span>(3.860, 0.04, 1.05%)<span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">董事长王天宇建议，应加强商业银行与资产管理公司合作，进一步推动不良贷款处置。王天宇认为，中小银行特别是区域性商业银行的不良资产，主要由地方资产管理公司（</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: Calibri;">AMC</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">）处置，而其只能在省内开展业务，导致中小银行不良资产处置进程缓慢。</span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">业内人士预计，随着社会生产生活恢复正常，后期商业银行将会加大不良资产出清力度，资产管理公司也将继续加大不良资产主业经营的力度，从而缓释潜在风险，发挥金融稳定器的作用。</span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(255, 104, 39); font-size: 16px;"><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%; font-family: 宋体; box-sizing: border-box !important; overflow-wrap: break-word !important;">处置力度加大</span></strong></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">不良贷款风险暴露存在一定滞后性，防控疫情以及推动企业复工复产，商业银行落实对企业延期还本付息等金融支持政策，在风险总体可控的大环境下，不良资产市场供给或将持续平稳增加。</span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">根据银保监会公布的数据，商业银行不良贷款有所上升，信贷资产质量总体平稳。截至</span>2020<span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">年一季度末，商业银行不良贷款余额</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: Calibri;">2.61</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">万亿元，较上季末增加</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: Calibri;">1986</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">亿元；商业银行不良贷款率</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: Calibri;">1.91%</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">，较上季末增加</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: Calibri;">0.05</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">个百分点。</span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">据《金融时报》记者了解，近年来，商业银行通过核销、现金清收、市场化处置等手段加大不良贷款处置力度。</span>2020<span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">年一季度，商业银行处置不良贷款</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: Calibri;">4055</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">亿元，同比多处置</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: Calibri;">726</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">亿元。</span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">有业内人士告诉记者，商业银行大多采取核销方式，同时也采取综合手段，包括以物抵债、资产证券化、债转股等方式处置不良资产。资产管理公司通过市场化的手段理性收购商业银行出清的不良资产包。</span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">近年来，金融资产管理公司不断聚焦不良资产主业，发挥处置主渠道作用。地方资产管理公司也在加大区域不良资产收购和处置的力度。面对疫情的冲击，资产管理公司在帮扶企业抗击疫情和复工复产的同时，想方设法加大主业经营力度，运用包括线上线下各种渠道，通过各种手段加大对自身存量和增量不良资产包的处置力度，抗疫和复产复工两手齐抓，发挥救助性金融功能和金融稳定器作用。</span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: center; box-sizing: border-box !important; overflow-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: 16px; color: rgb(255, 104, 39);"><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%; font-family: 宋体; box-sizing: border-box !important; overflow-wrap: break-word !important;">科技赋能不良资产处置</span></strong></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">疫情的发生，给资产管理公司不良资产收购和处置带来影响，一些现场工作受疫情影响不得不停滞。在这一特殊时期，线上渠道的作用得到凸显。</span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">随着互联网技术的兴起，资产管理公司早已经尝试并探索互联网与不良资产经营和处置的融合。无论是四大金融资产管理公司还是地方资产管理公司，早已经入驻淘宝平台以及各大金融交易所线上平台，并且成功撮合了诸多交易。</span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">在疫情期间，四大金融资产管理公司纷纷借助各类平台在线上推介不良资产。线上推介形式也由最初的静态展示发展到如今流行的直播推介。线上直播更具多样性，可以从多个角度展示资产包的情况，有助于投资者充分获得信息，以实现交易的成功。</span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">比如，</span>5<span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">月</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: Calibri;">20</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">日，中国华融联合阿里拍卖，采用阿里钉钉线上直播的形式，组织上海、天津、云南等三家分公司推介金融不良资产，债权本息合计规模超过</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: Calibri;">120</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">亿元。</span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">中国华融上海分公司主要负责人在直播中表示：</span>“华融上海正在改变原有单一、局限的处置模式，探索以更加公开、透明的市场化模式来处置出让资产。”</span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">业内人士表示，网络直播是不良资产线上推介的一种新尝试。</span>5<span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">月</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: Calibri;">8</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">日，中国信达河南分公司采用四路网络直播推出不良资产包，涉及债权总额</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: Calibri;">215</span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">亿元。</span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">此前，中国长城</span>(14.180, 0.45, 3.28%)<span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">、中国东方主动适应市场变化，也都采取了灵活多样的线上资产推介。</span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">疫情的发生，促使金融资产管理公司转变惯性思维，寻求创新，将科技力量运用于不良资产经营中的诸多环节，客户服务、产品创新、业务运营及风险管控等领域凸显科技的力量。<br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(255, 104, 39); font-size: 16px;"><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%; font-family: 宋体; box-sizing: border-box !important; overflow-wrap: break-word !important;">处置方式将更加多元化</span></strong></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">随着我国生产生活正常秩序的恢复，金融资产管理公司不良资产主业经营力度将会逐步加强，处置方式也将日益多元化。</span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">有专家总结，经过多年的经营，金融资产管理公司不良资产处置方式已经从最初的</span>“三打”（打折、打包、打官司）升级为“三重”（重组、重整、重构）。业内人士表示，不良资产处置引入了更多的投行思维，运用投行的运作能力最大限度挖掘资产价值。通过债务重组、资产重组、并购重组等方式，最终为企业重新构建管理模式，让企业焕发新的生机，实现转型，最终走向高质量发展的道路。</span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"> </span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: justify; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; font-size: 14px;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">在不良资产处置端，市场机构将主动适应不断变化发展的市场形势，灵活运用多种渠道和手段，提升不良资产处置的效率。<br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></span></span></section><section style="color: rgb(51, 51, 51); font-family: -webkit-standard; font-size: 17px; letter-spacing: 0.544px; margin: 5px 0px; padding: 0px; max-width: 100%; line-height: 1.75em; text-align: right; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-family: 宋体; color: rgb(136, 136, 136); font-size: 12px;">来源：《金融时报》</span></section></section></section></section>

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