Assessment of non-performing assets of jewelry The meaning of a, jewelry of non-performing assets Jewelry jewelry itself does not mean non-performing assets and of better quality, but the jewelry asset and asset owner after the judgement, a kind of economics from the Angle of the banking financial institutions, such as understanding of related jewelry of creditor's rights. Usually in the sense of jewelry is a kind of luxury, has the characteristics of beautiful, rare and durable, more because of its high value and high liquidity, has a certain function of currency. However, do have a lot of jewelry in the abnormal circulation state, can not give the owner or the actual controller with normal profits, and even some jewelry principal recovery is very difficult. Jewelry class physical liquid assets to be the bearer of loan fraud phenomenon is relatively common. These bad assets such as imitation Cartier love bracelet jewelry mainly precipitation in financial institutions, such as banking, asset management companies, trust investment companies, etc. Some for the restructuring of state-owned jewelry jewelry enterprises also have a batch of long-term inventory or slow circulation. Second, the characteristics of non-performing assets of jewelry For jewelry the reason of bad assets and analysis of the characteristics of the possession of party belongs to the category of social science, this article discusses. The following will only discussed from the Angle of assets of the objective material. From the objective entity state of non-performing assets of jewelry, it can simply divided into three categories, both inlaid jewelry, jade and special types. Three kinds of characteristics of each are not identical. Categorizing jade alone because many non-performing assets have jade jade finished products or raw materials. 1. Jewelry: including all kinds of precious metals products and precious metal Mosaic products, such as various k gold products, silver products, k gold or pt/jewelry and so on. Such assets are usually quantity is more, many of the old style, gem quality is generally poor, even there are broken or precious metals become angry phenomenon. 2. Jade categories: including jade raw material and finished and semi-finished products jade carving. Such assets are often poor quality of a material, process, rare high-grade materials and works, but for various reasons, the asset value of the bubble burden by the large amount. 3. Special categories: including arts and crafts, such as large and medium-sized precious metal products, precious metals with precious stones products, large coral, ivory carvings) and special gem raw materials and finished products (such as a large black diamond, diamond embryo, ruby crystal, "pearl", etc.). Such assets are usually good and bad are intermingled, or due to various reasons, the cognition of the value differences. According to these three kinds of assets, mainly using the cost method and market comparison method, combined with professional experience for proper adjustment of the evaluation conclusion to the final conclusion. Is important to note that in all kinds of evaluation objects, the second and the third type of asset, jade raw material and special jewelry crafts, art collection evaluation is difficult. As nonrenewable natural resources, personality characteristics of jadeite raw materials is more obvious, jade raw material condition of the internal quality of great uncertainty, jade raw material is more or less "gambling". On the one hand, the purchase of raw material cost (can check if there is historical cost) no significant evidence of value Replica Cartier jewelry evaluation, on the other hand, jade raw material to the occupant have certain unpredictability of future economic benefits, so the evaluation personnel's professional experience is extremely important, professional risk assessment conclusion. As the fusion of scarce resources and traditional handicraft skills as a special arts and crafts, usually has a uniqueness, such as dimension, and the uniqueness of, such as subject matter, also due to the confidentiality, trade directly using the market comparison method is rather difficult, so according to the principle of caution, as bad assets, the replacement cost method in the value conclusion weights is more obvious. Three, jewellery evaluation characteristics of non-performing assets Jewelry non-performing assets evaluation in terms of assessment itself, working procedures and work method and there is no essential difference between the normal evaluation, its property is relatively clear, usually owned by creditors or actual control, its evaluation purpose is very clear: provide reference basis for the disposal of cash. For assessment of non-performing assets of jewelry, therefore, can be more accurately described as is for the purpose of bad assets disposal to evaluate jewelry asset related activities. Appraiser only fully grasp this, can better communicate with the client, to correctly choose the right evaluation value type, to the value of the effective and reasonable conclusions. In the evaluation work of non-performing assets of jewelry, some issues should always pay attention to, and as far as possible in accordance with the physical features of the evaluation object in the assessment report to give explanation and disclosure. Choose jewelry gold bug eye how not Gold and silver jewelry fans no longer eye, jewelry appraisal experts to teach you the trick of choose and buy of all kinds of jewelry. Diamond: in addition to pay attention to the so-called, cut grinding, colour, clarity of the weight of the "4 c" indicators, more careful pseudo drill. The expert reminds, many alternative diamond come from similar to diamond cubic zirconia CZ. In the case of the same size, CZ is more than 1 times heavier than real diamonds, diamonds imitation cartier love bracelet and CZ on pieces of paper with the words together, the extent of CZ perspective will be slightly better than real diamonds. Red sapphire: red, sapphire, the choose and buy, colour and lustre is one of important factors. Shades of color, luster, enough will affect the value of high and low. Besides clarity, Turner also wants into consideration factors, should try to choose and buy more than one carat gem, there will be a good protection effect. Jade: expert introduction, buy jade to first figure out what is A, B, C. A cargo refers to the natural jade, without any artificial processing. B goods refers to using acid soaking after filling in the vacuum reduction of jadeite, B is for the sake of shoddy goods. C goods refers to the dyed jade, C goods often will be the color of the dye products of high-grade jade, as bright green, yellow, purple. In the jewelry market and inferior commodities is jade. The expert reminds, some businesses will be sold by the artificial processing ACTS as a natural jadeite jade, cause consumer fraud. So buy jade to choose ugly don't beautiful. Many consumers when buying jade are selected that without blemish, and think that "the more the better the green, the more transparent, the better". Actually, this kind if jade is not particularly high price, most of them are processed goods C. Suggest to buy jade color should choose the bean sprouts, glossiness need not too high, flawed. Gold: gold 995 pure gold, and 999 pure gold, and 9.999 million pure gold, according to the relevant provisions of the state, in assaying the fineness of gold, as long as it is in commonly 99.5%, can be called pure gold or 24 k gold; Gold colour is 999 ‰, namely, 999 pure gold; The purity is up to 99.99% of the 9.999 million pure gold. Act the role of gold of choose and buy when, can examine first should be labeled in assaying the necklace of retaining ring, ring, inner ring or on the back of the pendant, in order to avoid Cartier love bracelet replica dispute. Gold has three tricks of choose and buy, a look, as the saying goes, "7 8 yellow green red 95," gold content up to seventy percent of the ornament color is cyan, yellow eighty percent content, achieve the ninth into a red; Two phase modulation, to weigh the gold with the hand, true gold weight is heavy. 3 listen, listen to the voice of gold fell, authentic gold jewelry fall backward, and metal sounds boring.