Table of Contents
Section I Product Overview Section II Scope of Application (I) Disputes in the Financial Sector (II) Non-Performing Asset Disposal
Section III Core Values (I) Efficient Problem Resolution (II) Reduction of Comprehensive Costs (III) Preservation of Business Reputation (IV) Customized Solutions
Section IV Service Contents (I) Financial Dispute Resolution Services (II) Non-Performing Asset Disposal Services
Section V Working Procedures (I) Working Procedures for Financial Dispute Resolution (II) Working Procedures for Non-Performing Asset Disposal
Section VI Team Advantages (I) Solid Professional Competence (II) Standardized Service Procedures (III) Integration of Diverse Resources (IV) Strict Confidentiality Regime (V) Efficient Response Mechanism
Section VII Service Term (I) Financial Dispute Resolution (II) Non-Performing Asset Disposal
Section VIII Notes (I) Liability for Information Provision (II) Performance of Agreements (III) Decision-Making Liability (IV) Handling of Contingent Circumstances
01 Product Overview
Section I Product Overview
Our team specializes in legal services concerning financial disputes and non-performing asset disposal. Drawing on professional legal expertise and extensive practical experience, we deliver efficient and reasonable solutions for clients. Through professional legal services, we help clients mitigate economic losses and time costs arising from disputes, safeguard their legitimate rights and interests, and maintain the sound order of the financial market.
02 Scope of Application
Section II Scope of Application
This product mainly applies to various financial disputes and matters related to non-performing asset disposal, specifically including: (I) Disputes in the Financial Sector Covering bank credit card disputes, insurance recovery disputes and more. We provide legal support for all types of controversies encountered by clients in financial transactions.
(II) Non-Performing Asset Disposal We offer legal services for the efficient disposal of traditional financial non-performing assets, such as non-performing bank loans and non-performing financial products of financial institutions.
03 Core Values
Section III Core Values
(I) Efficient Problem Resolution
We optimize service workflows for financial dispute resolution and non-performing asset disposal to shorten handling cycles. Compared with traditional litigation approaches, we facilitate faster resolution and enhance dispute handling efficiency.
For straightforward negotiations over bank credit card disputes, we can facilitate communication and reach consensus between parties within a short timeframe. For non-performing asset disposal, we rationally plan procedures according to project conditions to boost disposal efficiency and enable quick asset realization.
(II) Reduction of Comprehensive Costs
Cut substantial expenses incurred by prolonged disputes and complicated litigation procedures, including litigation fees, attorney fees and time costs, so as to save expenditures for clients.
Maximize the recovery value of non-performing assets via professional disposal plans, mitigate asset losses, and realize asset preservation and appreciation.
(III) Preservation of Business Reputation
Resolving financial disputes through non-litigation or diversified methods helps protect clients’ business reputation and cooperative relationships within the industry and prevents negative impacts on corporate image caused by litigation.
We adopt standardized operational procedures during non-performing asset disposal to avoid reputational damage stemming from improper disposal and safeguard clients’ market standing.
(IV) Customized Solutions
We tailor targeted solutions for clients based on different types of financial disputes and characteristics of non-performing assets to meet personalized demands and improve the pertinence of problem-solving.
In line with legal provisions and market practices, we explore flexible disposal approaches within the scope of compliance to enhance the feasibility of solutions and guarantee smooth implementation.
04 Service Contents
Section IV Service Contents
(I) Financial Dispute Resolution Services
Consultation Services: Provide legal consultation on financial disputes via telephone, online channels or on-site visits. We analyze the nature of disputes, legal grounds and potential resolution avenues, enabling clients to understand their rights and obligations.
Solution Formulation: Develop alternative solutions including negotiation, mediation, arbitration and litigation according to dispute circumstances, analyze the pros and cons of each option, and assist clients in making appropriate decisions.
Negotiation Support: Assist clients in communicating and negotiating with counterparties to facilitate settlement agreements, guide judicial confirmation, clarify rights, obligations and performance methods, and promote amicable resolution of disputes.
Legal Representation: Where negotiation fails, represent clients in mediation, arbitration or litigation, including document preparation and court appearances, to protect clients’ legitimate rights and interests and strive for optimal outcomes.
Supervision of Agreement Performance: Monitor performance of reached settlement or mediation agreements to ensure implementation of agreed terms and realize clients’ lawful rights and interests.
(II) Non-Performing Asset Disposal Services
Due Diligence: Conduct comprehensive investigations on non-performing assets to be acquired or disposed of, covering asset ownership, creditor’s rights and debtor’s liabilities, legal risks, etc., and issue detailed due diligence reports to support clients’ decision-making.
Asset Valuation: Cooperate with professional appraisal institutions to conduct reasonable valuation of non-performing assets, provide scientific references for asset acquisition pricing and disposal, and ensure objective evaluation of asset value.
Disposal Solution Design: Formulate disposal plans such as asset transfer, debt restructuring and recovery through litigation in light of asset features and market conditions, and specify detailed implementation steps to raise the success rate of asset disposal.
Procedure Execution: Assist clients in implementing disposal plans, including participating in negotiations, signing relevant agreements and completing ownership transfer formalities to ensure smooth rollout of disposal arrangements.
Risk Prevention and Control: Identify and guard against legal risks, market risks and other hazards throughout the non-performing asset disposal process, ensure all disposal activities comply with laws and regulations, and shield clients from losses.
05 Working Procedures
Section V Working Procedures
(I) Working Procedures for Financial Dispute Resolution
The client submits an inquiry, provides information and materials related to the dispute, and elaborates on case facts.
The team analyzes the dispute, assesses the likelihood of resolution and potential risks, exchanges preliminary opinions with the client, and informs the client of prospects for resolving the dispute.
If the client entrusts our services, a service contract shall be signed to specify service contents, rights, obligations and fees, protecting the lawful interests of both parties.
The team develops a detailed solution, advances implementation upon confirmation by the client, and ensures alignment with the client’s requirements.
Assist the client in negotiating with the counterparty, or initiate mediation, arbitration or litigation procedures; select appropriate resolution channels according to actual circumstances.
After reaching a settlement or obtaining effective legal documents, supervise agreement performance or assist enforcement to secure realization of the client’s rights and interests.
Upon service completion, deliver a service summary report to the client, organize and file relevant materials for future inquiries.
(II) Working Procedures for Non-Performing Asset Disposal
The client puts forward demands for non-performing asset disposal and provides asset-related information including basic asset profiles and ownership certificates.
The team evaluates the feasibility of asset disposal, determines whether to accept the entrustment, and explains evaluation results and reasons to the client.
After signing the service contract, carry out due diligence, collect and sort relevant evidence and documents to fully understand asset status.
Conduct asset valuation based on investigation results, design disposal plans, submit them to the client for review, and revise and improve plans in accordance with the client’s feedback.
After plan confirmation, the team assists the client with implementation including negotiations, contract signing and formalities handling to ensure smooth progress of disposal work.
Complete follow-up work such as asset handover and fund settlement upon conclusion of disposal, submit a disposal report to the client stating disposal outcomes.
File all materials generated during disposal, conclude services and provide the client with a complete service archive.
06 Team Advantages
Section VI Team Advantages
(I) Solid Professional Competence
Team members possess in-depth knowledge of financial law and rich practical experience. They are familiar with financial industry regulatory policies and non-performing asset disposal workflows and can deliver professional legal services to clients.
We host multiple professionals with senior working experience in banking, insurance, asset management and other sectors, capable of accurately grasping business priorities and offering targeted solutions.
(II) Standardized Service Procedures
We have established standardized service workflows and a quality control system to guarantee orderly progress of all services, improve service efficiency and quality, and deliver standardized service experience to clients.
Strict oversight is imposed on key links during service provision to reduce operational risks and protect clients’ interests.
(III) Integration of Diverse Resources
We maintain sound cooperative ties with banks, insurance institutions, asset management companies, appraisal institutions, commercial mediation centers and other entities. We can integrate multi-party resources to provide all-round services and expand avenues for resolving issues.
Leveraging external resource strengths, we secure more channels and opportunities for non-performing asset disposal and lift the success rate of asset disposal.
(IV) Strict Confidentiality Regime
We impose strict confidentiality on clients’ trade secrets, asset information and other sensitive data involved in services to safeguard information security and clients’ commercial interests.
A sound confidentiality management system is in place to regulate staff conduct and prevent information leakage, enabling clients to entrust matters with confidence.
(V) Efficient Response Mechanism
A rapid response system applies to clients’ demands and consultations; professional personnel will be assigned promptly for follow-up and handling to deliver timely services.
Work progress is regularly updated to clients throughout service delivery to maintain open communication and allow clients to track work status at any time.
07 Service Term
Section VII Service Term
The service term shall be determined based on service contents and project complexity: (I) Financial Dispute Resolution For simple negotiation matters, major communication and coordination work can generally be completed within 15 working days. For disputes entering arbitration or litigation procedures, proceedings will be advanced in accordance with statutory time limits, normally ranging from 3 to 6 months. The term may be extended appropriately for complex cases.
(II) Non-Performing Asset Disposal The due diligence phase generally lasts 30 to 60 working days; the asset valuation and solution design phase takes 15 to 30 working days. The disposal implementation phase normally spans 3 to 12 months depending on solution complexity and execution progress, and may be extended under special circumstances.
The team will communicate work progress and estimated timelines with clients in a timely manner throughout service delivery.
08 Notes
Section VIII Notes
(I) Liability for Information Provision The client shall provide truthful information and materials and must not conceal, forge or alter any content. Otherwise, the client shall bear corresponding legal liabilities and be accountable for all losses arising from false information.
(II) Cooperation Obligations During service provision, the client shall actively cooperate with the team, provide necessary assistance and feedback in a timely manner to facilitate smooth progress of entrusted matters and improve service efficiency.
(III) Performance of Agreements The client shall voluntarily perform reached settlement agreements, mediation agreements and effective legal instruments. Breach of contract will trigger corresponding legal consequences. The team will assist the aggrieved party in safeguarding legitimate rights and interests.
(IV) Decision-Making Liability The team only provides legal services and professional advice during service provision. All final decisions are made independently by the client. The team shall not be liable for consequences resulting from the client’s decisions, and the client shall exercise caution when making decisions.
(V) Handling of Contingent Circumstances If force majeure or other unexpected events emerge during service delivery, hindering normal service performance or leading to term extensions, the team will notify the client promptly, negotiate solutions and jointly respond to emergencies.
Adhering to the service philosophy of professionalism, integrity, efficiency and accountability, our team delivers high-quality legal services covering finance and non-performing assets. We support clients in properly resolving disputes and realizing asset preservation and appreciation.