Popsicle theory was put forward by Yang Kaisheng. "Disposal of non-performing assets is like selling popsicles. Popsicles melt when they are in hand for a long time, and so do bad assets. If you can't dispose of it quickly, after a long time, there will be only one stick left. " In recent years, Yang Kaisheng has often expounded his "Popsicle Theory" on various occasions. "The depreciation of non-performing assets will accelerate with time, so we should speed up the disposal as much as possible and improve the recovery rate of non-performing loans."