“互联网+”背景下不良资产业务模式创新研究  

作　　者：何力军[1,2] 袁满[1,3] 

机构地区：[1]中国华融资产管理股份有限公司博士后科研工作站,北京100033 [2]中国社会科学院金融研究所博士后流动站,北京100028 [3]中国科学院大学管理学院博士后流动站,北京100190

出　　处：《浙江金融》2015年第12期7-13,共7页Zhejiang Finance

摘　　要：随着我国经济发展逐渐步入下行周期,不良资产市场出现新一轮的增长趋势。在新一轮不良资产产生周期中,不良资产业务已开始显现不同于以往的特点,并且大部分不良资产表现出"资源错配"的特点。基于互联网平台的不良资产业务的创新为这一问题带来了可能的解决方案。"互联网+"模式特有的快速"价值发现"和"市场发现"功能,可以拓宽处置途径并加速处置效率,但同时也存在着业务模式弱化、目标客户不清晰、线下依赖度高、信息不对称和平台建设有待加强等问题。本文在深入分析"互联网+不良资产业务"模式现状的基础上,对"互联网+"背景下不良资产业务模式的创新进行探讨,并提出相关建议。As China＇ s economic development gradually entered downward cycle, there is a remarkable growth trend in the non- performing asset market. In this trend, the non-performing assets business has shown different features comparingwith the past, and most of the non-performing assets is of great ＂resource mismatch＂ characteristics. Innovation of non-performing assets business based on Internet platform provides possible solutions to this problem. ＂Intemet＋＂ mode＇ s specific ＂value oriented＂ and ＂market oriented＂ functions, can broaden the disposal channels and accelerate the disposal efficiency, but there are still some problems such as weak business model, unclear customer target, off-line dependent, asymmetry information and defective platform construction. In this paper, based on in-depth analysis of the ＂Intemet ＋ non-performing assets business＂ mode, we discuss the innovation of the business model of non-performing assets under the background of ＂lnternet ＋ ＂, and put forward some related suggestions.

关 键 词：金融资产管理公司 不良资产业务 互联网金融 

分 类 号：F832.5[经济管理—金融学]