In 2In the process of business development with 5% off debt optimization, we often encounter such questions: "2.After the 5% discount debt optimization is completed, will the remaining arrears be repaid? ”
The answer, of course, is: no, 2The result of the optimization of 5% off debt is no collection, no prosecution, no repayment, and zero debt.
First of all, will the transferor (bank or non-bank institution) recover after the transfer of the creditor's rights?
As 2An important part of the optimization of 5% off debt, the transfer of creditor's rights is that the transferor (bank non-bank institution) transfers the personal credit non-performing loans to the transferee (AMC) in batches at a very low level according to the pilot notice of batch transfer of personal loan non-performing loans, so as to efficiently reduce the non-performing loan ratio and the balance of non-performing loans, and increase part of the funds as soon as possible. When the assignment of creditor's rights takes effect, the transferor completely withdraws from the original debt relationship, loses the status of a creditor, and no longer enjoys the right to directly request the debtor to perform the debt, such as collection and litigation, and the transferee and the debtor form a new creditor's rights and debts relationship.
Compared with banks or non-bank institutions such as self-collection, legal reminder enforcement, non-performing assets and internal write-offNon-performing personal loansTreatment, the batch transfer of non-performing personal loans can be regarded as a more efficient and innovative treatment under certain conditionsway, quickly reducing their disposal costs and operating risks.
Second, will the transferee (AMC) recover the debt after acquiring it?
As a professional disposal institution for non-performing assets, AMC is the backbone of the country's prevention and resolution of financial risks, maintaining the stability of the financial system, and supporting and serving the real economy. AMC can dispose of individual non-performing loans acquired in batches by means of self-collection, litigation recovery, debt extension, restructuring and other methods. In these NPL portfolios, the debtors are in different situations, with passive debtors who are able but unwilling, and difficult debtors who are willing but incapable. Among them, a small number of debtors can be included in the share of special groups of people with factual difficulties, and the corresponding share of creditor's rights accounts for a small proportion of the non-performing assets package of personal loans, and practitioners cannot induce debtors to maliciously overdue and maliciously evade debts, and the empirical evidence cannot be leaked (cases cannot be displayed), so as not to affect the financial order.
Based on the information and funds of special debtors with factual difficulties (which can cover costs and profits and achieve profits) strictly reviewed and screened by Weifeng Legal and cooperative law firms, AMC includes debtors in the share of special debtors with factual difficulties, optimizes debts and zeros them out, helps them tide over difficulties and return to normal life, which reflects the social temperature and social value of AMC. At the same time, AMC writes off the difference between the disposal of ** funds and the balance of creditor's rights, terminates the creditor's rights and debts relationship, and does not include it in the asset management of the account write-off case.
In short, this will help resolve systemic financial risks, maintain social stability, and promote healthy economic development, and is an innovative way to solve the problem of high bad debts of banks and non-bank institutions and the debt of the whole people, and a wise measure to solve the current dilemma and pain points of all parties.