2.2.5 Analysis of discount debt optimization policy documents:
20216543817 October, the General Office of China Banking Regulatory Commission issued the Notice on Carrying out the Pilot Work of Non-performing Loan Transfer (Yin Bao Supervision Note [2012] No.26), hereinafter referred to as the Pilot Notice. The notice allows individual non-performing loans to be transferred in batches.
This notice officially landed in Beijing in March 2022. After more than a year's exploration and practice, this measure is in line with the people's hearts and the national conditions. Therefore, China Banking and Insurance Regulatory Commission issued a document to expand the pilot scope of transfer.
The pilot banks include six large state-owned banks (see attached table 1 for details) and 12 national joint-stock banks; The acquirer includes five major financial asset management companies and qualified local asset management companies (local AMC) and financial asset investment companies (AIC). (That is to say, A, you can write off your debt at the pilot bank with a discount of 2.5%. B If you want to be the executive office for the disposal of non-performing assets, you must first get the approval of the five AMC)
The pilot types of personal non-performing loans include personal consumption credit loans, credit card overdrafts and personal business credit loans (note: personal housing mortgage loans, personal consumption mortgage loans and personal business mortgage loans are not included in the pilot scope) (in other words, 2.5% discount is a bubble debt).
The "Pilot Notice" pointed out that asset management companies can only take measures such as self-collection and reorganization to dispose of personal loans acquired in bulk, and it is strictly forbidden to entrust institutions with records of illegal acts such as violent collection of black crimes to carry out collection work. (meaning: you can't cancel the executive office with a 25% discount if you are not innocent)
Asset management companies may not transfer personal loans again after purchasing them. It is a very big difference to prohibit the acquisition institution from transferring personal loans to the outside world again, compared with transferring corporate loans, which will greatly limit the ways of collection. Personal loan debts acquired by asset management companies will only rot in their own hands if they cannot be recovered.
The "Pilot Notice" puts forward that "local asset management companies accept personal non-performing loans in batches without geographical restrictions", which is also a major breakthrough in the non-performing asset management industry. Local asset management companies can participate in the primary market of personal loan bad batch transfer business, which can be carried out nationwide. Although the office is located in Shenzhen, it is not subject to geographical restrictions.
Banking credit assets registration and circulation center ("Yindeng Center") (meaning: everyone can believe the information released by Yindeng Center)
2022-07-20 Notice of the Ministry of Finance on Further Strengthening the Financial Management of State-owned Financial Enterprises (Jin Cai [2022] No.87) should intensify the write-off of non-performing assets and make full use of the existing write-off policy. (meaning: 2.5% write-off is a wise measure that conforms to the national conditions, benefits the country and the people, and can solve the current predicament, and should be vigorously promoted)
2022- 12-29 Notice of the General Office of China Banking Regulatory Commission on Launching the Second Batch of Pilot Work of Non-performing Loans Transfer (Memorandum of Yin Bao Supervision Office [2022] No.65438 +0 19 1), on the basis of the original scope of pilot institutions, this time it was included in the Development Bank, the Export-Import Bank and the Agricultural Development Bank. City commercial banks and rural small and medium-sized banks registered in Beijing, Hebei, Inner Mongolia, Liaoning, Heilongjiang, Shanghai, Jiangsu, Zhejiang, Henan, Guangdong and Gansu will be included in the scope of pilot institutions. Village banks can do it now, but they used to be city banks. However, basically, the release and implementation of each measure takes a quarter. So you can look forward to it)
202 1-03-0 1 In the year after the promulgation of the Regulations of Shenzhen Special Economic Zone on Individual Bankruptcy, a total of 103 1 individual bankruptcy applications were reviewed, 74 bankruptcy applications were reviewed, 25 bankruptcy proceedings were initiated, and individual bankruptcy cases were concluded/kloc-0. The examination conditions of personal bankruptcy are extremely harsh, time-consuming and labor-consuming, and it is exhausting, so it can't be widely promoted and can't solve China's debt problem. (Through the parallel comparison of the two policies, it finally shows that the 2.5% discount treatment is more suitable for China's national conditions, and it is being widely promoted at present. )
3, 2.5 fold debt optimization of the best choice:
Having said that, many people may say that there are many ways to optimize debt. Why is 2.5% discount debt optimization the best choice for debtors? Please listen to Bian Xiao's speech and discuss in detail. The quality of debt handling strategy determines the speed of debtor landing! Before the results of No.26, No.87,11and Shenzhen personal bankruptcy system come out, it may be a good choice for debtors to negotiate, personalize the installment and postpone the treatment, but then we will analyze the reasons why the next 2.5% debt optimization is the best choice for debtors as follows:
The height of dealing with debt determines the result:
2022-07-20 Notice of the Ministry of Finance on Further Strengthening the Financial Management of State-owned Financial Enterprises (Jin Cai [2022] No.87) should intensify the write-off of non-performing assets and make full use of the existing write-off policy. (meaning: 2.5% write-off is a wise measure that conforms to the national conditions, benefits the country and the people, and can solve the current predicament, and should be vigorously promoted)
2022- 12-29 Notice of the General Office of China Banking Regulatory Commission on Launching the Second Batch of Pilot Work of Non-performing Loans Transfer (Memorandum of Yin Bao Supervision Office [2022] No.65438 +0 19 1), on the basis of the original scope of pilot institutions, this time it was included in the Development Bank, the Export-Import Bank and the Agricultural Development Bank. City commercial banks and rural small and medium-sized banks registered in Beijing, Hebei, Inner Mongolia, Liaoning, Heilongjiang, Shanghai, Jiangsu, Zhejiang, Henan, Guangdong and Gansu will be included in the scope of pilot institutions. Village banks can do it now, but they used to be city banks. However, basically, the release and implementation of each measure takes a quarter. So you can look forward to it)
202 1-03-0 1 In the year after the promulgation of the Regulations of Shenzhen Special Economic Zone on Individual Bankruptcy, a total of 103 1 individual bankruptcy applications were reviewed, 74 bankruptcy applications were reviewed, 25 bankruptcy proceedings were initiated, and individual bankruptcy cases were concluded/kloc-0. The examination conditions of personal bankruptcy are extremely harsh, time-consuming and labor-consuming, and it is exhausting, which can not be widely promoted and can not solve China's debt problem. (Through the parallel comparison of the two policies, it finally shows that the 2.5% discount treatment is more suitable for China's national conditions, and it is being widely promoted at present. )
3, 2.5 fold debt optimization of the best choice:
Having said that, many people may say that there are many ways to optimize debt. Why is 2.5% discount debt optimization the best choice for debtors? Please listen to Bian Xiao's speech and discuss in detail. The quality of debt handling strategy determines the speed of debtor landing! Before the results of No.26, No.87,11and Shenzhen personal bankruptcy system come out, it may be a good choice for debtors to negotiate, personalize the installment and postpone the treatment, but then we will analyze the reasons why the next 2.5% debt optimization is the best choice for debtors as follows:
The height of dealing with debt determines the result:
Strategic arrangement for debtors to turn losses into profits;
protect
Defense prosecution? Anti-collection to protect family? Protect yourself
(of both sides) refuse to give in.
Keep in touch with foreign institutions, communicate well and report regularly.
Work hard at home, make money and live a good life.
fight back
Entrust a professional organization to optimize the 2.5% discount on debt.
4, 2.5 fold debt optimization feasibility crowd analysis:
To sum up, 2.5% debt optimization is the best choice for debtors! Having said that, what kind of person is suitable for 2.5% debt optimization?
What can those people do?
Credit cards, credit loans and online loans can do the following according to the situation.
B, those people can't do it?
1, the assets are too high: there can be a suite within 2 suites (excluding 2 suites);
(Remarks: The property cannot be a luxury villa type, and the above value shall not exceed 3 times of the total credit arrears)
2. The vehicle value cannot exceed 654.38+0 million.
3, public security law, civil servants, banks, institutions, doctors, teachers, etc.
4. Persons prosecuted by the court
5. Details of 2.5% discount debt optimization operation process: (12 step)
1, detailed credit report within 7 days (debt consolidation)
2. Preliminary review (completed on the same day)
3. Review (completed on the same day)
4. Pay off the balance with complete information.
Step 5 sign an agreement
6, delivered to the headquarters
7. Assigning legal affairs to debtors
8. After docking, enter the processing link.
9. The treatment time is 6- 18 months.
10, legal notice processing result
1 1, notify the customer to print the credit report, and the debt balance will be displayed as 0.
12, over
Remarks: The debtor shall print a detailed credit report to the local People's Bank of China (PBOC) or a local banking institution that can make a credit report (within 7 days).