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通过拍卖处置不良资产,已经成为我国金融机构普遍采取的手段,也是我国拍卖行这些年来的重要业务。各拍卖行竞引金融机构业务源泉,争分处置不良资产杯羹,竞争日趋激烈。针对这种局面,各金融机构陆续开始采用竞标方式和收取保证金的做法来确定委托拍卖标的事宜。金融机构希望通过这一方法规范自身的业务行为,规避道德风险,提高回收率,同时以此制约拍卖行的无序行为。这一方式的逐步推广对拍卖行确是一次严峻的挑战,它既促使各拍卖行在业务开展中量力而行,谨慎行事,同时也进一步加剧了拍卖行之间的竞争。
Disposal of non-performing assets through auction has become a commonly adopted method by China’s financial institutions and an important business of our auction houses over the years. All auction houses are bidding for the business sources of financial institutions and competing for the cup of non-performing assets, with increasingly fierce competition. In response to this situation, various financial institutions have gradually started to use the bidding method and the method of deposit to determine the commissioned bidding matters. Financial institutions hope that through this method of regulating their own business practices, to avoid moral hazard and improve recovery rate, at the same time to restrict the auction disorder. The gradual promotion of this approach is indeed a serious challenge to the auction houses. It not only prompts the auction houses to act in a cautious manner while doing business, but also further aggravates the competition among auction houses.