不良资产评估咨询
收藏资源简介：
1） 个贷批转NPL定价：个贷批转流程较长，涉及资产组包、尽调评估、资产推介、挂牌转让等多个环节，我司在个贷批转过程中根据委托人提供的资料，在可取得资料、可获取调查途径并实施调查的基础上，对借款人及保证人的偿债能力进行全面的分析和测算，提供分析意见。2） 对公资产包估值：在银行支持企业发展或企业发展借助杠杆的动作下，银行与企业至今存在借贷关系，后续由于经济环境变化等多重因素下导致不良，银行对这部分债权资产有处置需求，因而委托资产评估公司对该类债权资产分析定价。我司可提供不良债权处置或收购价值估算、多户不良债权重组后价值估算分析服务。3） 不良证券化(ABS)定价：不良贷款证券化能够拓宽商业银行处置不良贷款的渠道，加快不良贷款处置速度有利于提高商业银行资产质量；同时，能够更好地发现不良贷款价格，有利于提高银行对于不良贷款的回收率水平。我司在此过程中协助银行进行不良证券化价值评估服务，协助企业合理确定融资规模。4） 尾包回购定价：尾包回购是原始权益人的一项选择，需回购的资产一般为难以处置的资产。当原始权益人出于按期结束项目等需求时会进行回购，我司对回购资产进行评估，为原始权益人提供合理参考。5） 不良债权质押物定价：债权人为尽快收回不良资产，改善资产质量而处置抵质押物；同时，投资人在收购不良资产时，会重点关注抵质押价值。我司在此过程中对抵质押物的现状和登记的有效性进行核查，关注抵质押品的合法性、变现的可能性，对抵质押物的变现价值进行分析。6） 债转股定价咨询：债转股多为AMC收购银行不良资产后，将债权关系转变为持有标的企业的股权，促使企业重组的一种方式。债转股完成后，投资人会参与公司重大事务决策，但不参与企业的正常生产经营活动，在企业经济状况好转后，再通过合适的途径退出标的企业回收投资。投资人计划债转股的过程中，我司可根据债权情况，客观公允地给出合适的转股价格。7） 清算定价咨询：我司可对企业清算定价提供咨询定价服务。
1) Consumer Loan Batch Transfer to Non-Performing Loan (NPL) Pricing: The consumer loan batch transfer process is lengthy, involving multiple stages such as asset packaging, due diligence and assessment, asset promotion, and public listing and transfer. During the process, our company conducts comprehensive analysis and calculation on the debt repayment capabilities of borrowers and sureties based on the materials provided by the client, available obtainable data and investigatory approaches, and implemented investigations, and provides professional analytical opinions. 2) Corporate Asset Package Valuation: When banks support enterprise development or enterprises leverage their operations, a lending relationship is established between banks and enterprises. Subsequently, non-performing loans may arise due to multiple factors including changes in the economic environment, and banks have disposal needs for such creditor's rights assets, thus entrusting asset appraisal companies to analyze and price these assets. Our company can provide services including value estimation for non-performing creditor's rights disposal or acquisition, as well as value estimation and analysis for multiple non-performing creditor's rights after restructuring. 3) Non-Performing Loan Securitization (ABS) Pricing: Non-performing loan securitization can broaden the channels for commercial banks to dispose of non-performing loans, accelerate the disposal speed and help improve the asset quality of commercial banks; meanwhile, it can better discover the fair price of non-performing loans and improve the recovery rate of such loans for banks. Our company assists commercial banks in providing non-performing securitization value assessment services during this process, and helps enterprises reasonably determine their financing scale. 4) Residual Package Repurchase Pricing: Residual package repurchase is an option available to the original equity holder, and the assets to be repurchased are generally difficult-to-dispose assets. When the original equity holder needs to complete the project on schedule or for other operational needs, they will initiate the repurchase process. Our company evaluates the repurchased assets and provides reasonable reference opinions for the original equity holder. 5) Pricing for Collateral of Non-Performing Creditor's Rights: Creditors dispose of collateral to recover non-performing assets as soon as possible and improve asset quality; meanwhile, when investors acquire non-performing assets, they will focus heavily on the value of the collateral. During this process, our company verifies the current status and registered validity of the collateral, pays attention to the legality of the collateral and its possibility of realization, and analyzes the realized value of the collateral. 6) Debt-to-Equity Swap Pricing Consulting: Most debt-to-equity swaps refer to a restructuring method where Asset Management Companies (AMCs) first acquire non-performing assets from banks, then convert the creditor's rights into equity stakes in the target enterprises to promote corporate restructuring. Upon completion of the swap, investors will participate in major corporate decision-making but not engage in daily production and operation activities. After the enterprise's financial situation improves, investors will exit the target enterprise via appropriate channels to recoup their investment. During the investor's planned debt-to-equity swap process, our company can objectively and fairly provide a reasonable swap price based on the specific circumstances of the creditor's rights. 7) Liquidation Pricing Consulting: Our company can provide consulting and pricing services for enterprise liquidation pricing.
