In recent years, with the growth rate of China's economy into the shift period and pre stimulus digestion period, which is mainly driven by dependence on production factors driving change for more rely on capital investment. Some long-term dependence on investment driven development of industry, business in the absence of liquidity, and very prone to appear difficult, cash flow, solvency and debt service will fall. The current banking risk prevention and disposal of non-performing assets is facing new pressures and challenges. Facing the new economic and financial form, how to solve problems and defuse the risks. With the idea of reform and innovation to do a good job of non-performing assets disposal, is a new challenge.

　　The disposal of recovery stage is reflects the investment recovery and return. This phase of the work is often required for the understanding and use of the law, regulations, policy. And good communication between the governments at all levels administrative party, workers, the debtor, all the information on the project in-depth understanding of have a thorough grasp, grounding operation, this stage can Seiko secret agents, is directly related to the project success and failure is test each business non-performing assets of professional companies, the main indicators of the effectiveness.