中银消费金融狂甩60亿不良贷款背后：净利润节节败退，不良率再创新高

Core Viewpoint - 中银消费金融有限公司 is facing significant challenges with deteriorating asset quality and declining performance, as evidenced by its recent bulk transfer of non-performing personal consumption loans totaling 1.302 billion yuan, involving over 9,400 borrowers across multiple provinces [1][4][6]. Group 1: Financial Performance - In 2024, 中银消费金融 reported a net loss of 306 million yuan, marking the first mid-year loss in its history, making it the only loss-making company among its peers [6][10]. - The company's total assets reached 79.67 billion yuan by the end of 2024, with a net asset value of 9.1 billion yuan and a loan balance of 78.41 billion yuan [6][7]. - The net profit has seen a drastic decline from 853 million yuan in 2021 to just 59.5 million yuan in 2024, representing a nearly 90% drop [7][10]. Group 2: Asset Quality - 中银消费金融 has been actively transferring non-performing loans, with over 6 billion yuan in personal non-performing loans transferred in 2024 alone [4][6]. - The non-performing loan (NPL) ratio has increased from 2.80% in 2022 to 3.56% in 2024, indicating a worsening asset quality situation [9][10]. - The company has seen a continuous rise in the scale of non-performing loans, with figures of 1.728 billion yuan in 2022, 2.495 billion yuan in 2023, and 2.792 billion yuan in 2024 [9][10]. Group 3: Market Position and Competition - Despite its strong backing from major shareholders like 中国银行 and 百联集团, 中银消费金融 has lost its competitive edge, with peers like 中邮消金 and 宁银消金 reporting net profits of 804 million yuan and 303 million yuan respectively in 2024, both showing over 50% growth [8][10]. - The company was once a leader in the consumer finance sector but has struggled since 2018, with its growth momentum halted and profits declining [6][10]. Group 4: Regulatory Issues - 中银消费金融 has faced regulatory scrutiny, receiving fines for improper collection practices and management failures, including a fine of 900,000 yuan in December 2024 [13][15]. - The company received 503 complaints in 2024, primarily related to repayment negotiations and post-loan management, indicating customer dissatisfaction [15].