CN110874792A - Method and system for checking and activating bad asset project - Google Patents
Method and system for checking and activating bad asset project Download PDFInfo
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Abstract
The invention discloses a method and a system for inventorying an adverse asset project, which are used for obtaining the account values pi of all assets of a current project and calculating the total asset evaluation value totalA according to an asset adjustment ratio; calculating the total liability of the current project based on the account liability in the balance sheet and the asset adjustment ratio r, and sequentially distributing the compensation amount according to the total asset evaluation value totalA, wherein the compensation amount corresponds to the total liability; calculating circulation interest corresponding to the amount of the clearing; the method comprises the steps of circulating a voucher to disk up a bad asset, wherein the voucher corresponds to a clearing amount; the project inventory method does not need to inject funds, helps the project to restore the construction by rapidly clearing and distributing the debt rights, reduces the asset disposal loss as much as possible, and realizes the inventory of the tail rot project.
Description
Technical Field
The invention relates to the technical field of bad asset inventory activity, in particular to a bad asset project inventory activity method and system.
Background
In the implementation process of the project, the project is shut down due to the fact that a developer on a building construction plate breaks down the property, lacks of construction funds, involves economic disputes and violates laws and regulations of the developer, most of the project is that the fund chain is broken, the project is not completed, the developer cannot take out money, a bank does not wish to continue loan, the project cannot be transferred to other investors, and the like, so that the 'tailgating' is caused.
The project of the rotten tail building seriously damages the vital interests of the masses, destroys the development image and the operator environment of the city, and often needs to introduce a large amount of funds to carry out the sale according to the existing market sale mode, and various complicated debt and debt relationships behind the rotten tail building project are careless and prudent by fund parties, so that a large number of rotten tail building projects are in the state of being difficult to deal with the sale.
Disclosure of Invention
Based on the technical problems in the background art, the invention provides a method and a system for checking the bad asset project, which can help the project to restore the construction by rapidly clearing and distributing the debt without injecting funds, reduce the asset disposal loss as much as possible and realize the checking of the tail-rot project.
The invention provides a bad asset project inventory method, which comprises the following steps:
acquiring the account values pi of all the assets of the current project, and calculating to obtain a total asset evaluation value totalA according to the asset adjustment ratio;
calculating the total liability of the current project based on the account liability in the balance sheet and the asset adjustment ratio r, and sequentially distributing the compensation amount according to the total asset evaluation value totalA, wherein the compensation amount corresponds to the total liability;
calculating circulation interest corresponding to the amount of the clearing;
and (4) circulating the voucher to disk up the bad assets, wherein the voucher corresponds to the clearing amount.
Further, the total asset evaluation value totalA. The calculation formula of (a) is as follows:
totalA＝∑pi×r×dis
pi＝∑C×(1+λ)
wherein pi is the account value of each asset; r is the asset adjustment ratio, dis is the discount rate, C is the fixed asset area, and λ is the asset valuation coefficient.
Further, the asset evaluation coefficient λ is calculated by:
establishing a hierarchical structure model based on an analytic hierarchy process;
constructing a comparison matrix based on the hierarchical structure model, and comparing every two schemes in the hierarchical structure model under the same criterion to obtain a judgment matrix;
carrying out consistency detection on the judgment matrix; if the detection is passed, calculating a weight vector of the judgment matrix; if the detection fails, the contrast matrix is reconstructed
Further, the total liability includes in-table liability and out-table liability, and the in-table liability includes priority security liability, employee liability and tax liability.
The calculation formula of the clearing amount Vg is as follows:
Vg＝V×γ
vg is the clearing amount, V is the credit amount, and gamma is the clearing coefficient.
Further, in the sequential distribution of the compensation amount according to the total asset evaluation value totalA, sequential 100% compensation is performed according to the distribution sequence, and when the sequentially distributed compensation amount is not enough to compensate the ordinary debt right at the end of the distribution sequence, discount calculation is performed through a compensation rate Q, wherein the calculation formula of the compensation rate Q is as follows:
wherein, PaIs an amount, T, that can be used to pay off a common claimaIs to requireLiquidated general debt, PaTotal asset assessment totalA-priority underwriting-employee underwriting-tax owed, TaTotal liability-priority guarantee liability-employee liability-tax liability.
A bad asset project inventory system comprises an asset evaluation module, an asset distribution module, an interest calculation module and a circulation liquidation module;
the asset assessment module is used for acquiring the asset account values pi of all items of the current project and calculating the total asset assessment value totalA according to the asset adjustment ratio;
the asset allocation module is used for calculating the total liability of the current project based on the account liability in the asset liability table and the asset adjustment ratio r, and sequentially allocating the compensation amount according to the total asset assessment value totalA, wherein the compensation amount corresponds to the total liability;
the interest calculation module is used for calculating circulation interest corresponding to the clearing amount
The flow transfer clearing module is used for transferring the voucher to disk the bad assets, and the voucher corresponds to the clearing amount.
Further, the asset assessment module comprises an accounting asset unit, an adjustment ratio unit and an asset calculation unit;
the account asset unit is used for calculating the account values pi of all the assets in the asset liability statement to obtain the daily capital account values;
the adjusting ratio unit is used for calculating an asset adjusting ratio r according to the daily asset account value;
and the asset calculation unit is used for calculating a total asset evaluation value totalA according to the asset account values pi and the asset adjustment ratio r.
A computer readable storage medium having stored thereon a number of get classification programs for being invoked by a processor and performing the steps of:
acquiring the account values pi of all the assets of the current project, and calculating to obtain a total asset evaluation value totalA according to the asset adjustment ratio;
calculating the total liability of the current project based on the account liability in the balance sheet and the asset adjustment ratio r, and sequentially distributing the compensation amount according to the total asset evaluation value totalA, wherein the compensation amount corresponds to the total liability;
calculating circulation interest corresponding to the amount of the clearing;
and (4) circulating the voucher to disk up the bad assets, wherein the voucher corresponds to the clearing amount.
The method and the system for inventing the bad asset project have the advantages that: according to the method and the system for disqualified asset project inventory, provided by the structure of the invention, the settlement rate of the project total assets, total liabilities and various types of liabilities is determined through the debt and debt relationship of the rapid settlement project. The method has the advantages that the corresponding assets are locked by calculating the credit amount distributable by various creditors, creditors are issued and creditor certificates are issued for circulation, capital injection is not needed, project restoration is helped through creditor circulation, asset disposal loss is reduced as much as possible, tail-rotting project inventory is realized, city grade is promoted, the environment of a carrier is optimized, and the livelihood is improved.
Drawings
FIG. 1 is a schematic illustration of the steps of a method for inventorying an undesirable asset project;
FIG. 2 is a schematic flow diagram of an undesirable asset project inventory system of the present invention;
the system comprises an asset evaluation module 100, an asset distribution module 200, an interest calculation module 300, a circulation settlement module 400, an accounting asset unit 101, an adjustment ratio unit 102 and an asset calculation unit 103.
Detailed Description
The present invention is described in detail below with reference to specific embodiments, and in the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention. This invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein, but rather should be construed as broadly as the present invention is capable of modification in various respects, all without departing from the spirit and scope of the present invention.
As shown in fig. 1, the method for inventively inventorying a bad asset project includes steps S1 to S4:
s1: acquiring the account values pi of all the assets of the current project, and calculating to obtain a total asset evaluation value totalA according to the asset adjustment ratio;
totalA＝∑pi×r×dis
pi＝∑C×(1+λ)
wherein pi is the account value of each asset; r is an asset adjustment ratio, the value range of r is 0-1, dis is a discount rate, the value range of dis is between 0 and 1, C is a fixed asset area, such as a floor area, a building area, a construction land area and the like, and lambda is an asset evaluation coefficient.
The asset adjustment ratio r is the asset account value of each current asset/the account asset value of each previous asset, the range of the asset adjustment ratio r is between 0 and 1, and when the asset adjustment ratio r is less than 1, the asset is discounted; the account value of each current asset and the account value of each previous asset are estimated through pi in the item liability statement.
The asset valuation coefficient λ calculating step includes S11 to S15:
s11: establishing a hierarchical structure model based on an analytic hierarchy process;
the practical problem is deeply analyzed, the related factors are layered from top to bottom (target-criterion or index-scheme or object), the upper layer is influenced by the lower layer, and the factors in the layers are basically relatively independent.
The top layer is the target layer, usually only 1 factor, the bottom layer is usually the scheme or object layer, there may be one or several layers in the middle, usually the criterion or index layer.
S12: constructing a comparison matrix based on the hierarchical structure model, and comparing every two schemes in the hierarchical structure model under the same criterion to obtain a judgment matrix;
comparing every two factors with each other for all the factors influencing the assets; the two factors compared with each other have greater commonality, so as to reduce the difficulty of comparing different factors with each other as much as possible, and improve the accuracy.
Starting from level 2 of the hierarchical model, the contrast matrix is constructed using pairwise comparisons and 1-9 comparison scales for the same level of factors that depend on (or influence) each factor of the previous level, up to the lowest level.
An important feature of the analytic hierarchy process is to represent the corresponding importance degree grades of the two schemes in the form of the ratio of two importance degrees. If a certain criterion is met, comparing every two schemes below the certain criterion, and grading according to the importance degree of each scheme. And recording the importance ratio of the mth factor and the qth factor, and taking a matrix formed by two comparison results as a judgment matrix.
S13: carrying out consistency detection on the judgment matrix; if the detection is passed, the process proceeds to step S14, and if the detection is not passed, the process proceeds to step S15;
the step of detecting the consistency of the judgment matrix in the step S13 comprises the following steps:
s131: calculating the characteristic root in the judgment matrix to obtain the characteristic vector rho corresponding to the maximum characteristic root in the judgment matrixmax，
S132: normalizing the feature vector (making the sum of elements in the vector be 1) and then recording as W; the elements of W are the ranking weights of the relative importance of the same level element to the previous level factor.
S133: defining a consistency index CI:
wherein ρ represents a feature vector in the determination matrix, n represents the order of the matrix, and CI is 0, which indicates that there is complete consistency; CI is close to 0, indicating satisfactory consistency; the larger the CI, the more serious the inconsistency.
To measure the magnitude of CI, a random consistency index RI is introduced and a consistency ratio CR is defined:
generally, when CR < 0.1, the degree of inconsistency of the judgment matrix is considered to be within the allowable range.
The RI randomly selects an n-order matrix from the comparison matrix to form a random comparison matrix, and when the n-order matrix contains sufficiently large samples, the average value of the maximum eigenvalue in the n-order matrix is the RI, so the RI is only related to the order number n of the matrix; generally n and RI are assigned according to the following table:
| n | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 |
| RI | 0 | 0.1 | 0.32 | 0.45 | 0.80 | 1.0 | 1.02 | 1.05 | 1.54 | 1.64 | 1.70 | 1.83 | 1.95 |
when the judgment matrix meets consistency, namely the judgment matrix is within a certain degree, namely the consistency detection is met, and a weight vector obtained according to the judgment matrix represents a certain object rule and can be used as an asset evaluation coefficient; however, when the judgment matrix does not satisfy the consistency, the obtained weight vector does not represent a certain object rule, and thus cannot be used as an asset evaluation coefficient.
S14: calculating a weight vector of the judgment matrix, wherein the weight vector is used as an asset evaluation coefficient;
and carrying out normalization calculation on the judgment matrix to obtain a weight vector, wherein the knowledge of the regularity of the object can be realized through the weight vector, and a scientific basis is provided for decision making.
S15: the contrast matrix is reconstructed.
The account asset value of the current project is calculated, at least comprising inventory, accounts receivable and other accounts receivable, invested real estate, fixed assets, construction projects, long-term equity investment and other assets in an asset liability table, and generally, the most important assets of the project of the tail-rot building are established and non-established unsold real estate values.
S2: calculating the total liability of the current project based on the account liability in the balance sheet and the asset adjustment ratio r, and sequentially distributing the compensation amount according to the total asset evaluation value totalA, wherein the compensation amount corresponds to the total liability;
the calculation formula of the clearing amount Vg is as follows:
Vg＝V×γ
vg is a clearing amount, V is a bond amount, V is a total asset evaluation value totalA-the amount of an unpaid part left after clearing, gamma is a clearing coefficient, and gamma takes a value of 0-1.
The total liability is the sum of the in-table liability and the out-table liability, and the out-table liability is mainly the open-stock liability of the non-unifrom sub-company.
The in-table liability includes a priority security liability, an employee liability and a tax liability. The in-table liability evaluation value is equal to the product of each item of the asset account value pi in the balance table and the liability adjustment ratio;
priority guaranteed credit ═ collateral and pledge borrowings in ((short term borrowing + long term liability due within one year) — (rate of asset adjustment r);
employee creditor ═ (payable account value + long payable account value) asset adjustment ratio r;
the tax credit account value of the tax due and the asset adjustment ratio r;
as entered into the bankruptcy program, but also bankruptcy costs and liabilities. Meanwhile, for the recovery construction of the unestablished housing and property, project money, material money, tax money to be paid and the like are estimated to be calculated together.
Specifically, for the debt of the project of the rotten tail building, the respective settlement amounts can be calculated according to the following sequence according to the priority:
(1) if the process of bankruptcy is entered, the bankruptcy cost and the public welfare debt exist;
(2) owed staff wages, social security, etc.;
(3) recovering the tax owed and the project to build and sell the tax due to payment;
(4) buying house money by the owner;
(5) project construction side stock claim and project recovery construction predicted project money;
(6) the bank claim;
(7) common debt rights such as folk loans, material purchases, and the like;
when the total asset evaluation value totalA is sufficient, performing 100% full compensation according to the sequence; when the total asset evaluation value totalA is insufficient, sequentially clearing 100% of the balance from (1) to (6) with a clearing coefficient gamma of 1, and then discounting and clearing (7) with a clearing coefficient gamma of 0-1, which indicates that the debt discounting condition exists in (7); but when the total asset assessment value totalA is insufficient to pay off the footage in order of (1) to (6), the rotten tail building project is not suitable for the inventory method; when discount compensation is performed on the (7), discount calculation is performed through the compensation rate Q, and the calculation formula of the compensation rate Q is as follows:
wherein, PaIs an amount, T, that can be used to pay off a common claimaIs a common claim, P, to be paidaTotal asset assessment totalA-priority underwriting-employee underwriting-tax owed, TaTotal liability-priority guarantee liability-employee liability-tax liability. The value of the discount rate dis is equal to the clearing rate Q.
S3: calculating circulation interest corresponding to the amount of the clearing;
circulation interest is calculated by the following formula:
where h is the amount of compensation, δ is the annual rate, s is the holding start date, E is the holding end date, and the annual rate δ is the bank's contemporaneous rate.
And further calculating the credit amount to be paid by each credit bearer according to the calculated credit settlement rates with different priorities, wherein the calculation result is used as the specific credit amount which can be predicted to be distributed by each credit bearer, and the respective credit and debit are locked according to the calculation result.
After the further credit allocation amount is determined, the adjustment authority can be adjusted through adjustment organizations established by various laws such as the consultation adjustment, the people adjustment and the like, and the judicial confirmation of the adjustment agreement by the people court can be applied as required and a civil adjudication book (with mandatory execution effectiveness) for confirming the effectiveness of the adjustment agreement can be issued.
Meanwhile, in order to guarantee the normal construction and sale of the project, all court execution cases related to the project can be concentrated to the court of the project location for execution, and a third party with public trust (such as a local country enterprise) checks and seals all unsold properties and land uniformly, and is responsible for monitoring the project property sale fund account so as to guarantee that the sale fund is used according to the convention.
S4: and (4) circulating the voucher to disk up the bad assets, wherein the voucher corresponds to the clearing amount.
The method is characterized in that transferable creditor certificates are opened according to creditor amounts to be paid out by creditors, and after the creditors take the certificates, the creditors can transfer to buy house money through circulation, can transfer, cancel and the like in a certain range such as a tail-rot project business district, or can be paid out after holding due, and the main purpose is to coil the creditors which cannot be paid out. And each construction unit reworks, resumes project construction, and releases the asset seal check by each creditor, thereby ensuring normal sale and selling one set which is unsealed by a third party which checks the seal uniformly. After the specific right of debt expires, the following cases are respectively treated:
(1) the house-buying user pays for house-buying money
If the claim before expiration has been paid for house purchases at the developer, the corresponding claim liability is automatically cancelled without processing.
(2) The revival of the rotten tail project is successful, and the normal sale is realized
If the house money is not paid before due but the tail rot item is successfully revived, normal house property sales and fund refunding are realized, and the developer pays according to the agreement and pays to the final creditor in the form of currency.
(3) Initial creditor buys back according to agreement
If the house payment is not withheld before the expiration, and the project is not paid by the final inventory developer, and the initial creditor promises to buy the return payment, the initial creditor promises to buy the return payment (such as a construction unit) pays, and the final creditor buys the full amount of the credit. After buyback, the construction unit can reach a new repayment agreement again according to the agreement to continue to transfer the debt right.
(4) Continue to circulate
As both fail, the party may also re-enter a new repayment agreement by the agreement and continue to transfer the creditor.
According to the steps S1-S4, bad asset items such as the rotten tail building items are stocked, in the process of stocking the rotten tail building items, liabilities are sequentially distributed to all creditors in the form of the creditors, the creditors circulate with issued creditor certificates, automatic cancellation of the creditors and the creditors is achieved in circulation, the final creditors are paid off in the form of money, circulation is continued after new repayment agreements are agreed again, and the like, so that the stocking of the rotten tail building items is achieved. The interest which the creditor should obtain during circulation exists in the voucher, so that the enthusiasm of the creditor for the startup of the rotten-tail building is improved, and the startup period of the project of the rotten-tail building is shortened.
As shown in fig. 2, an undesirable asset project inventory system includes an asset assessment module 100, an asset allocation module 200, an interest calculation module 300, and a circulation liquidation module 400;
the asset assessment module 100 is configured to obtain asset account values pi of each item of a current project, and calculate a total asset assessment value totalA according to an asset adjustment ratio;
the asset allocation module 200 is configured to calculate a total liability of a current project based on the account liability and the asset adjustment ratio r in the asset liability table, and sequentially allocate a compensation amount according to the total asset assessment value totalA, where the compensation amount corresponds to the total liability;
the interest calculating module 300 is used for calculating the circulation interest corresponding to the clearing amount
The circulation liquidation module 400 is used for circulating the voucher corresponding to the liquidation amount to disk up the bad assets.
Further, the asset valuation module 100 includes an accounting asset unit 101, an adjustment ratio unit 102, and an asset calculation unit 103;
the account asset unit 101 is used for calculating account values pi of various assets in the asset liability statement to obtain daily capital account values;
the adjusting ratio unit 102 is used for calculating an asset adjusting ratio r according to the daily asset account value;
the asset calculation unit 103 is configured to calculate a total asset evaluation value totalA according to each asset account value pi and the asset adjustment ratio r.
A computer readable storage medium having stored thereon a number of get classification programs for being invoked by a processor and performing the steps of:
acquiring the account values pi of all the assets of the current project, and calculating to obtain a total asset evaluation value totalA according to the asset adjustment ratio;
calculating the total liability of the current project based on the account liability in the balance sheet and the asset adjustment ratio r, and sequentially distributing the compensation amount according to the total asset evaluation value totalA, wherein the compensation amount corresponds to the total liability;
calculating circulation interest corresponding to the amount of the clearing;
and (4) circulating the voucher to disk up the bad assets, wherein the voucher corresponds to the clearing amount.
Those of ordinary skill in the art will understand that: all or part of the steps for implementing the method embodiments may be implemented by hardware related to program instructions, and the program may be stored in a computer readable storage medium, and when executed, the program performs the steps including the method embodiments; and the aforementioned storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic or optical disks.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art should be considered to be within the technical scope of the present invention, and the technical solutions and the inventive concepts thereof according to the present invention should be equivalent or changed within the scope of the present invention.
Claims (9)
1. A method for inventorying an undesirable asset item, comprising:
acquiring the account values pi of all the assets of the current project, and calculating to obtain a total asset evaluation value totalA according to the asset adjustment ratio;
calculating the total liability of the current project based on the account liability in the balance sheet and the asset adjustment ratio r, and sequentially distributing the compensation amount according to the total asset evaluation value totalA, wherein the compensation amount corresponds to the total liability;
calculating circulation interest corresponding to the amount of the clearing;
and (4) circulating the voucher to disk up the bad assets, wherein the voucher corresponds to the clearing amount.
2. The method of claim 1 wherein the total asset assessment value totalA is calculated as follows:
totalA＝∑pi×r×dis
pi＝∑C×(1+λ)
wherein pi is the account value of each asset; r is the asset adjustment ratio, the value range is 0-1, dis is the discount rate, C is the fixed asset area, and lambda is the asset evaluation coefficient.
3. The method of claim 2, wherein the step of calculating the asset valuation factor λ is:
establishing a hierarchical structure model based on an analytic hierarchy process;
constructing a comparison matrix based on the hierarchical structure model, and comparing every two schemes in the hierarchical structure model under the same criterion to obtain a judgment matrix;
carrying out consistency detection on the judgment matrix;
if the detection is passed, calculating a weight vector of the judgment matrix; and if the detection fails, reconstructing the contrast matrix.
4. The method of claim 1 wherein said total liabilities include both in-sheet liabilities and out-of-sheet liabilities, and wherein in-sheet liabilities include priority security liabilities, employee liabilities, and tax rate liabilities.
5. The method of claim 4 wherein the liquidation amount Vg is calculated as follows:
Vg＝V×γ
vg is the clearing amount, V is the credit amount, and gamma is the clearing coefficient.
6. The method for disqualified project inventory of claim 1, wherein in the sequential distribution of the liquidity amounts according to the total asset evaluation value totalA, the sequential 100% liquidity is performed in the distribution sequence, and when the liquidity amounts after the sequential distribution are not enough to liquidity the ordinary debt right at the end of the distribution sequence, the discount calculation is performed on the ordinary debt right through a liquidity rate Q, and the calculation formula of the liquidity rate Q is as follows:
wherein, PaIs an amount, T, that can be used to pay off a common claimaIs a common claim, P, to be paidaTotal asset assessment totalA-priority underwriting-employee underwriting-tax owed, TaTotal liability-priority guarantee liability-employee liability-tax liability.
7. An undesirable asset project inventory system, comprising an asset assessment module (100), an asset allocation module (200), an interest calculation module (300) and a circulation liquidation module (400);
the asset assessment module (100) is used for acquiring the asset account values pi of all items of the current project and calculating the total asset assessment value totalA according to the asset adjustment ratio; (ii) a
The asset allocation module (200) is used for calculating the total liability of the current project based on the account liability and the asset adjustment ratio r in the asset liability table, and sequentially allocating the compensation amount according to the total asset assessment value totalA, wherein the compensation amount corresponds to the total liability;
the interest calculation module (300) is used for calculating the circulation interest corresponding to the clearing amount
The circulation compensation module (400) is used for circulating the voucher to compensate the total liability and the circulation interest, and the voucher corresponds to the compensation amount.
8. The bad asset item inventory system as claimed in claim 7, wherein the asset valuation module (100) comprises an accounting asset unit (101), an adjustment ratio unit (102) and an asset calculation unit (103);
the account asset unit (101) is used for calculating account values pi of all assets in the asset liability statement to obtain daily capital account values;
an adjustment ratio unit (102) for calculating an asset adjustment ratio r from the daily asset account value;
the asset calculation unit (103) is used for calculating a total asset evaluation value totalA according to the asset account values pi and the asset adjustment ratio r.
9. A computer readable storage medium having stored thereon a number of get classification programs for being invoked by a processor and performing the steps of:
acquiring the account values pi of all the assets of the current project, and calculating to obtain a total asset evaluation value totalA according to the asset adjustment ratio;
calculating the total liability of the current project based on the account liability in the balance sheet and the asset adjustment ratio r, and sequentially distributing the compensation amount according to the total asset evaluation value totalA, wherein the compensation amount corresponds to the total liability;
calculating circulation interest corresponding to the amount of the clearing;
and carrying out circulation on the voucher so as to clear out the total liability and the interest, wherein the voucher corresponds to the clearing amount.
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