信用风险与中国抵押制度——信达资产管理公司地视角和经验.pptVIP

信用风险与中国抵押制度——信达资产管理公司的视角和经验Credit Risk and Mortgage System in ChinaThe View and Experience of Cinda Asset Management Corporation 2008年6月 June,2008 目录Contents 一、金融资产管理公司与信用风险 1. Asset management corporation and credit risk 二、中国抵押制度的基本知识 2. Basic ABC of China mortgage system 三、抵押担保制度优劣的评判标 3. Standards of mortgage guarantee system 四、中国抵押制度的评判：现状和问题 4. Comment of China mortgage system: current status and problems 五、中国抵押担保制度下AMC的策略 5. Strategies of AMC under China mortgage guarantee system 一、金融资产管理公司与信用风险Asset management corporation and credit risk （一）信达金融资产管理公司概况 I. Introduction of Cinda Asset Management Corporation 1、组建背景： Establishment background 2、基本情况：General introduction 3、业务运作模式：Operating patterns （1）收购 Acquisition （2）管理 Management （3）处置 Disposal 一、金融资产管理公司与信用风险（续）Asset management corporation and credit risk (Cont’d) （二）信用风险 Credit risk 1、信用风险的认识 Understand credit risk （1）风险承继 risk inheritance （2）二次风险防范 The second risk prevention 2、风险防范与抵押品的管理 Risk prevention and management of the mortgaged properties （1）不良债权类型及维护 categories of non-performed loans and its maintenance （2）抵押债权维护 Maintenance of mortgage-backed loans （3）抵押物管理、处置 The management and disposal of the mortgaged properties 二、中国抵押制度的基本知识Basic ABC of China mortgage system （一）基本法律框架 Basic framework of the laws and regulations 1、《担保法》 Guaranty Law of the Peoples Republic of China 2、《物权法》 Property Rights Law of the Peoples Republic of China 3、其它法律、法规、规章及相关的司 法解释：例如《海商法》等 Other laws, rules, regulations and judicial interpretations, e.g. Maritime Code of PRC, etc. 4、法律冲突的化解 Conciliation of the conflicts of laws 二、中国抵押制度的基本知识（续）Basic ABC of China mortgage system (Cont’d) （二）抵押担保类型 Categories of mortgage guarantee 1、不动产抵押 mortgaged real estate 2、动产抵押 mortgaged movable 3、非典型抵押担保方式： the categories of non-typical mortgage guarantee （1）方式例举：examples （2）司法态度：judicial attitude