蚂蚁消金再转6亿不良资产 12万借款人涉小额多贷

Group 1 - Ant Consumer Finance Co., Ltd. is transferring a personal non-performing loan asset package with an outstanding principal and interest totaling 600 million yuan, covering 120,000 borrowers, with a starting price set at 72.1 million yuan, which is just over 10% of the asset package value [1][4] - The asset package has a weighted average overdue period of 335.8 days, and all loans have been classified as "loss" in the five-level classification system, indicating a pessimistic recovery expectation from the institution [4][11] - The average outstanding principal and interest balance per borrower is over 5,000 yuan, and all loans are pure credit loans that have not entered litigation [4][11] Group 2 - In May 2025, multiple licensed consumer finance companies, including South Silver Fa Ba, Bank of China Consumer Finance, and others, transferred non-performing assets exceeding 7.5 billion yuan [5] - Bank of China Consumer Finance notably listed 20 non-performing asset packages in May, totaling 2.17 billion yuan, with starting prices as low as 10% of their value [5][8] - The non-performing loans from Bank of China Consumer Finance show a wide overdue time span, with most classified as "substandard" and "loss," indicating deteriorating asset quality [5][8] Group 3 - The consumer finance industry is experiencing rapid expansion alongside increasing asset quality pressure, with total assets of 31 licensed consumer finance companies reaching 1.374731 trillion yuan, a historical high [11] - The non-performing loan ratio for Bank of China Consumer Finance increased from 2.80% in 2022 to 3.56% in 2024, reflecting a broader trend among consumer finance companies [12] - The industry is showing signs of significant differentiation, with leading institutions like Ant Consumer Finance and Bank of China Consumer Finance dominating the market, holding over 60% of the total market share [12]