密集清仓不良资产，银行急甩消费贷坏账“包袱”

Core Viewpoint - Banks are accelerating the transfer of non-performing loans, particularly focusing on personal consumer loans, indicating a rise in personal credit risk and a new adjustment phase in the consumer finance market [1][4][6]. Group 1: Non-Performing Loan Transfer Trends - Multiple banks, including China Construction Bank, Ping An Bank, and others, are actively listing non-performing loans for transfer, with personal consumer loans being a significant focus [1][3]. - In the first quarter, the transaction volume of non-performing loan transfers reached 483 billion, with banks accounting for over 70% of the transactions [5][6]. - The scale of personal non-performing loan transfers surged to 370.4 billion, a year-on-year increase of 761.4%, with personal consumer loans making up over 70% of this amount [5][6]. Group 2: Reasons for Accelerated Transfers - The increase in non-performing loans is attributed to a decline in repayment ability among residents and businesses due to macroeconomic conditions, prompting banks to actively manage risks [4][6]. - Regulatory policies are pushing banks to enhance their non-performing asset management, encouraging quicker disposal of non-performing loans to prevent risk accumulation [4][6]. - The rapid growth of personal consumer loans, coupled with economic downturns and excessive leverage in consumer credit, has led to rising non-performing loan rates, making them a priority for banks [4][6]. Group 3: Future Directions and Recommendations - It is suggested that banks should continue to optimize the non-performing asset transfer mechanism, promote bulk transfers, and enhance market pricing to improve asset disposal efficiency [6][7]. - Banks are encouraged to strengthen post-loan management, improve risk monitoring using big data and AI, and enhance credit management to prevent new risks [7][8]. - Collaboration with third-party institutions for asset transfers and better identification of high-risk borrowers is recommended to increase recovery rates [7][8].