To settle debts with assets is an important means to make bad assets living, but the risk from non-performing loan will probably shift to mortgaged assets. 以资抵债是盘活不良贷款的重要手段,但不良贷款所产生的风险同时也可能随之转移到了抵债资产上。
Now the main risks on mortgaged assets are evaluation, market, loss, operation, intermediary agent, morality, and flaw. 当前,抵债资产风险主要表现形式有:评估、灭失、市场、操作、中介机构、道德、瑕疵等风险。
Research shows that mortgaged assets do not have a high appraisal quality with low liquidity ratio and function poorly as a risk bumper. 调研结果显示,抵押资产的变现清偿比率不高,抵押评估质量低下,抵押的风险缓释作用远没有得到发挥。
His business is failing; he's mortgaged all his assets to try to save it. 他的企业在亏损,他抵押了所有资产企图挽救它。
The Research on the Mortgaged Assets Appraisal 抵押资产价值评估问题研究
Compared with the developed countries, our researches on the mortgaged assets appraisal are insufficient and lag behind the practice. 与发达国家相比,我国抵押资产价值评估理论还缺乏系统、深入的研究,远远滞后于实践的发展。
A New Method of Mortgaged Assets Appraisal 抵押资产价值评估方法的创新
Current study result is very meaningful to establishing a mortgaged assets appraisal theory with Chinese characteristics, to regulating practical behavior, urging banks to make right decisions on loans and preventing financial risks. 研究结果对构建中国特色的抵押资产评估理论体系,规范评估执业行为,促进银行正确进行信贷决策,防范金融风险具有重要意义和作用。
Chapter I is Introduction. It focuses on the value of mortgaged assets at home and abroad, research background and research significance. 其中第一章引言,主要论述了抵押资产价值评估的国内外现状、研究背景和研究意义。
Based on the mortgaged assets of the theory and methods of appraisal research, it provides theoretical and methodological support to the value of mortgaged assets. 本文通过对抵押资产评估基本理论和方法的研究,为科学评估抵押资产的价值提供理论和方法上的支持。
Floating mortgage system advantage is wide range includes the mortgaged property movable property, real estate, tangible assets, intangible assets and future property, registration in a flexible and easy, low cost. 浮动抵押制度的优势就是抵押财产范围广泛包含动产、不动产、有形资产、无形资产及未来财产,登记灵活、简便,成本低。
Therefore, the mortgaged asset evaluation is important for the security of the mortgaged loans and the financial assets. So it is necessary to study the mortgaged assets evaluation based on the security of financial assets. 本文认为抵押资产评估对于增强抵押贷款的安全性,维护金融资产安全具有重要意义,基于金融资产安全目标对抵押资产评估进行研究具有较高价值。
Chapter III is the basic theoretical analysis of the value of mortgaged assets. It discusses the principle, purpose, the value type, the appraisal date and the hypothesis of the mortgaged assets. 第三章是抵押资产价值评估基本理论问题分析,对抵押资产价值评估的评估原则、评估目的、价值类型、评估假设及评估基准日等基本问题展开讨论。