A Study of Non-performing Loan Disposal Strategies
Date Issued
2004
Date
2004
Author(s)
Rｙａｎ Ｗａｎｇ
DOI
zh-TW
Abstract
The non-performing loan (NPL) disposal mechanism could be government organizations (such as KAMCO in Korea, or RTC in Taiwan), asset management companies (AMC) or financial institutions themselves. This study aims at providing a model of NPL disposal strategies for financial institutions via empirical cases studied both domestically and abroad. In coping with NPL, financial institutions can resort to legal process, auction to AMC or securitization. The current study introduces these three methods and makes a comparison between them. Finally, in dealing with NPL, how to select the best modes is the first step towards achieving efficient NPL disposal for financial institutions. Therefore, the current study suggests that in coping with NPL, financial institutions need to have systematic analysis of their NPL as well as careful evaluation of these three methods. It is only after cross-examination that applicable strategies in dealing with NPL can hereafter come out.
Subjects
金融資產證券化
不良債權
資產管理公司
不良債權組合區隔分析
不良債權證券化
Securitization
NPL
AMC
NPL Segmentation Analysis
NPL Securitization
Type
thesis
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