企业不良资产使企业赢利能力下降，引发企业财务危机，并最终使银行产生不良贷款。GDP增速下降与银行业不良率的上升存在显著相关关系。中国经济步入增长率下降的阶段，危机企业数量将增多，银行不良贷款将可能大幅增加。大批的不良资产将通过专业机构进行处置、重组，重新配置资源，恢复资本的流动性。预计不良资产主要产生于地方融资平台、房地产和部分产业。投资机构可投资于多种形态的不良资产，通过不同方式挖掘与提升其价值。投资机构可以较低的成本收购资产，为危机企业提供专业化服务，设立重组基金，促进产业兼并重组。
Corporate's non-performing assets ruin the industrial sector's profitability, trigger financial crisis, and, ultimately, the banks will be dragged by the bad loans. The decreasing of GDP growth is significantly correlated with the rising of non-performing rate of the banking sector. As the Chinese economy is entering a downturn stage of growth, the number of firms in crisis will increase, and banks' bad loans will also increase. A large number of non-performing assets will be disposed, restructured, re-allocated by the professional institutions in order to restore the liquidity of capital. Non-performing assets is estimated to come from provincial or local financing platforms, real estates, and some other industries. Investment institutions may invest in varieties of non-performing assets and increase their values in different ways. Investment institutions can lower the cost of acquisition, provide professional services to enterprises in crisis, and establish the Restructuring Fund to promote industrial mergers and restructuring.
