Recovering non-performing loan is a key issue in the innovation and reform of China financial industry.Batch-package method is one of the first alternatives to do with non-performing loan recovering.The core issue in the recovering procedure is to estimate Loss Given Default(LGD) of non-performing loan portfolios.Based on the bi-peak feature of recovery rate,we classify non-performing loans into low-recovery loans and high-recovery loans,and prove that the recovery rate of non-performing loan co...