多措并舉(ju) 協同發力 公司成功(gong)化解一起(qi)代(dai)償風險
2022-07-14
受疫情影(ying)響，公司(si)在保(bao)客戶、江蘇某建設集(ji)(ji)團公司(si)主營的海(hai)外工程步履維艱，企業現(xian)金(jin)流(liu)嚴重短缺，最終(zhong)因(yin)無力還款導致斷貸。由于該項(xiang)目反擔保(bao)措施(shi)為網(wang)簽房備案(an)，而我司(si)對(dui)(dui)房產處置沒有優先權，面對(dui)(dui)即將形成(cheng)的代(dai)償(chang)風險，公司(si)快速應對(dui)(dui)，科學制定有效處置措施(shi)，通過與集(ji)(ji)團及當(dang)地政府(fu)密切聯動(dong)，最終(zhong)得以成(cheng)功化解(jie)。
當(dang)該項(xiang)目(mu)出現預警時，公(gong)(gong)(gong)司第一時間成立風(feng)險項(xiang)目(mu)應急處(chu)置工(gong)作領(ling)導小組(zu)，制(zhi)(zhi)定(ding)預警方案(an)，壓實(shi)工(gong)作責任。考慮到(dao)風(feng)險項(xiang)目(mu)主(zhu)(zhu)(zhu)體(ti)在(zai)淮(huai)安，為有(you)(you)(you)效依托集團(tuan)區域資(zi)(zi)(zi)源(yuan)優勢，公(gong)(gong)(gong)司積極與集團(tuan)資(zi)(zi)(zi)金(jin)運營(ying)部、集團(tuan)淮(huai)安分(fen)公(gong)(gong)(gong)司聯動，發揮集團(tuan)綜合金(jin)融服(fu)務優勢，同(tong)時，主(zhu)(zhu)(zhu)動與當(dang)地(di)政府溝通，為后(hou)續工(gong)作爭取(qu)有(you)(you)(you)利條件(jian)。在(zai)集團(tuan)和當(dang)地(di)政府的幫助和支(zhi)持(chi)下，公(gong)(gong)(gong)司與當(dang)地(di)幾家平臺(tai)公(gong)(gong)(gong)司進行多次磋商，成功對接一國(guo)有(you)(you)(you)資(zi)(zi)(zi)產(chan)(chan)投資(zi)(zi)(zi)管理公(gong)(gong)(gong)司，并達成網簽房收(shou)(shou)購(gou)(gou)意向。此后(hou)，公(gong)(gong)(gong)司不定(ding)期召開專題研判會，與地(di)方國(guo)投公(gong)(gong)(gong)司、房地(di)產(chan)(chan)開發公(gong)(gong)(gong)司以(yi)及(ji)擔保主(zhu)(zhu)(zhu)體(ti)共同(tong)制(zhi)(zhi)定(ding)回購(gou)(gou)方案(an)，商議(yi)資(zi)(zi)(zi)產(chan)(chan)收(shou)(shou)購(gou)(gou)、貸款償還和過戶等辦理細節。最(zui)終，四方順(shun)利簽署資(zi)(zi)(zi)產(chan)(chan)收(shou)(shou)購(gou)(gou)協議(yi)，擔保主(zhu)(zhu)(zhu)體(ti)的資(zi)(zi)(zi)產(chan)(chan)被盤(pan)活，我司的代償風(feng)險也(ye)得以(yi)化解。
將(jiang)(jiang)企業的“死”資產(chan)轉化(hua)為可在經濟循(xun)環中傳遞的“活”資產(chan)，化(hua)解(jie)僵(jiang)持近半年(nian)的代償(chang)風(feng)險，既(ji)是公(gong)(gong)司(si)與集團分子(zi)聯動(dong)的積極(ji)實踐，也是與地(di)方政府合作共贏的成功案(an)例。面對擔保風(feng)險，下一步，公(gong)(gong)司(si)將(jiang)(jiang)上下同心，進一步筑牢風(feng)險防(fang)控“生命之線”，同時，強化(hua)集團分子(zi)聯動(dong)，密切與地(di)方政府合作，共同編織風(feng)險處置“天羅地(di)網”。