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The Present Situation and Problems of non-performing loans

  • Legal Theory & Practice Review
  • Abbr : LTPR
  • 2015, 3(2), pp.281-299
  • Publisher : The Korea Society for Legal Theory and Practice Inc.
  • Research Area : Social Science > Law

신세덕 1

1배화여자대학교

ABSTRACT

Non-performing loans (npl) the risk investment, increasing problems, and the reality is that they are extremely exposed. But loans (npl) A Study on the leading research and resources are lacking is the issue no reliable data about loans and (npl) reality. Grasp the meaning and status of the (npl) non performing loans and the purpose of this study, therefore, what causes these problems, explore the bad debts and changing (npl) the market Looking for improvements that can adapt staple, while the buyers for all of this kind of developmental direction could break the market for (npl) bad debts as they search for the course of the purpose. Normal private investor buying and selling of the auction method have not become commonplace information gathering is hard and I returned with the accurate analysis No, you can be hard to get knocked down. Also in the way in the resolution of non-performing loans non-performing loan disposal the financial services company, quick redemption of securities, including the integrity of the recovery in shipments as the main goal should be insolvent bondsDebt for the protection of the institutional and legal instruments is not enough. An alternative way for this purpose and npl the sine non for buying bonds in order to assess the value of bonds of an object of real estate valuation should be prioritized. And npl of creditors that can be made public in more detail the institutional information system is needed. Also, npl and real estate collateral information for assessing the value of bonds, real estate collateral should be opened any type of information, including senior debt, limitations that Point. Though the expansion of transparency of the Organization through the establishment of the trading intermediary was no longer on investing npl It's time to examine it. Non-performing loan disposal in the process of debt criteria as for a system to protect the financial company's sale of non-performing loans and sale procedures and statutory issue at the relevant laws such as punitive measure Need to define. And financial company's sale of non-performing loans career management system for the introduction of the need is trying to think. Finally, unfair collection from the continuing efforts to protect the debtor is required. The government prepare for the long-term low growth and real estate market's future long-term depression it through a proactive policy generated by establishing effective policies and is now about npl expect to be managed efficiently.

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