论数字经济背景下非标准化不良资产的互联网模块化处置

随着不良资产处置业务的触网,互联网技术处置不良资产越来越普遍,然而不良资产的非标准化特性与互联网模块化、程式化之间的冲突使得互联网平台的价值与优势难以凸显。信息披露存在不对称性与有限性的问题,在很大程度上影响了评估定价的准确性,再加之监管机制的缺失加剧了互联网不良资产处置平台的风险。因此,我们应当制定针对不良资产特性的信息披露标准,构建全国性的不良资产网络交易平台以增强信息披露的维度、提高信息披露的权威性;同时,将互联网的大数据挖掘功能与不良资产处置创新业务相结合,寻求非标准化不良资产的公允价值并力求将其转化为标准化不良资产;此外,还应完善互联网处置非标准化不良资产的法律规制及行业规范,以保障互联网处置不良资产的健康运行,维护投资者的合法权益。

On the Internet Modular Disposition of Non-standardized Non-performing Assets in the Background of Digital Economy

With the application of network into non-performing assets disposal,the Internet technology has become more and more common in dealing with non-performing assets.However,the conflict between the non-standardized characteristics of non-standard assets and the modularization and stylization of the Internet make the value and advantages of the Internet platform difficult to highlight.The problem of asymmetry and finiteness in information disclosure has greatly affected the accuracy of evaluation pricing.In addition,the lack of regulatory mechanism has aggravated the risk of the Internet platform of non-performing assets disposal.Therefore,we should develop information disclosure standards targeting at non-performing assets characteristics,build a nationwide network trading platform of non-performing assets to enhance the dimension of information disclosure and improve the authority of information disclosure.Meanwhile,through the integration of the Internet big data mining functions and the innovative business of the disposal of non-performing assets,we can seek the fair value of non-standardized non-performing assets and strive to convert them into standardized non-performing assets.Additionally,we should also improve the legal regulation and industry norms for the disposal of non-standardized non-performing assets on the Internet to ensure the safe operation of the disposal of non-performing assets on the Internet,and protect the legitimate rights and interests of investors.