【判断题】
市县行社应按月对抵债资产逐项进行检查,对预计可收回金额低于其账面价值的,应当计提减值准备。
A. 对
B. 错
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答案
B
解析
暂无解析
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当采用公开转让方式只产生一个符合条件的意向受让方时,可采用协议转让方式。
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批量转让是指各市县行社对3户/项及以上的不良资产进行组包,公开定向转让给资产管理公司的行为。
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市县行社审计部门应在核销前对每笔呆账进行责任认定。
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以物抵债要通过法院、仲裁机构裁决、协议接受抵债。
A. 对
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市县行社应尽量避免接收抵债资产,在采取有效处置途径后还没有成交的,方可接收抵债资产。
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市县行社接收抵债资产时,只有法院判决或仲裁裁决的,才可以向债务人支付补价,不得以私下协议的方式向债务人支付补价。
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【判断题】
经法院仲裁机构裁决以物抵债的,市县行社应指定双人尽快办理抵债资产的接收过户等相关手续。
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【判断题】
市县行社发布标的前,应对此贷款责任落实情况进行梳理,应首先进行责任追究。
A. 对
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【判断题】
市县行社发布不良贷款委托清收和信息征集信息时,由竞价系统后台端直接发起。
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个人类贷款只能发布在内部职工清收大厅。
A. 对
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【判断题】
小额不良贷款和表外不良贷款可以优先发布在内部职工清收大厅,内部职工清收大厅本行社浏览人数达不到20%的,竞价开始日期自动延后两日,连续延后两次浏览人数仍达不到标准的,标的自动下架,不得继续发布。
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【判断题】
资产管理委员会采取无记名投票方式,每人享有一票表决权,主任委员不参与投票,但对表决结果享有一票否决权。
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【判断题】
发生竞得不买时,买受人参与竞价时缴纳的保证金将赔付给资产处置机构。
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【判断题】
对于核销后的呆账,市县行社要继续尽职追偿,尽最大可能实现回收价值最大化。
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【判断题】
市县行社是本行社呆账核销工作的主体,由资产管理部门牵头负责本行社呆账核销具体工作。
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【判断题】
市县行社核销呆账,应提供合理的内、外部证据。内部证据根据对应的呆账认定标准搜集提供,外部证据是必要条件。
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B. 错
【判断题】
竞买人参与竞价时锁定的保证金将赔付给资产处置机构。
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当标的物的竞价时间只剩最后3分钟时,如果有竞买人出价,则该标的物的竞价时间在此次出价的时间基础上自动延时3分钟,直至无人再次出价时,竞价结束。
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B. 错
【判断题】
在竞价开始后,只要有一笔出价达到或超过保留价,则此次竞价有效。
A. 对
B. 错
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若所有出价都未达到或超过保留价,则此次竞价无效。
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请说出成交不卖的三种特殊情形?
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请至少说出5种核销呆账外部证据?
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请至少说出5种核销呆账内部证据?
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不良贷款管理应遵循的原则是什么?
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资产管理委员会的工作职责有哪些?
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