ROC financial institution''s classification and deposal method of the non-performing loans

• Main Authors: Keen Shin Chen, 陳可欣
• Other Authors: Frank Yang
• Format: Others
• Language: zh-TW
• Published: 2002
• Online Access: http://ndltd.ncl.edu.tw/handle/49252801004160836392

碩士 === 國立臺北大學 === 企業管理學系 === 90 === Abstract Financial institution is a adjust institution between creditor and loaner . If financial institution can do its duty , social fun can operate successfully and international economic can develop soundly . If financial institution has a lot of NPL , it not only lower the liquidity of fund , but also can’t recover financial assets . It also makes enterprise lead to its fund shortage and influence the credit quality of financial institution . due to tremendous change of international financial environment, our domestic economics structure is facing a lot of problems, economics declines, the financial institutions being influenced, and percentage of non-performance loan(NPL) being soared. In addition, in order to ensure their creditor’s rights, the financial institutions took the way of legal auction, but still cannot meet their practical needs and make the problems of non-performing loans more seriously. In this study, documents analysis, experts’ conferences, and interviews are mainly adopted. The discovery and conclusion are as follows: We can utilizes the following measures to deal with the non-performing loans : A Sale after repackaging assets: Bulk Sale, Issue of Assets Backed Assets (ABS) and Equity Partnerships. B. Individual Sale: Individual Public Auction, Court Auction and Individual Loan Sale .C. Using non-performing loans to form a joint-venture partnership with foreign institutions. In order to help corporations under reconstruction to restore normal operations and upgrade recycling value, the study also provides the following measures for those companies with residual management value: suspension of legal action and foreclosure, lend working capital, rescheduling, debt/equity swap, etc. The study suggests that the non-performing loans can classify into two category. One is that the non-performing loans suit aggressive deposal method and another is which suit gradual deposal method .