未诉即卖成常态 消金公司加快处置不良贷款

Core Viewpoint - The pace of transferring non-performing loans (NPLs) by consumer finance companies has significantly accelerated in the first half of the year, with a total of over 300 billion yuan in NPL asset packages being listed for transfer, indicating a shift in strategy towards quicker asset disposal and capital recovery [1][2][4]. Group 1: NPL Transfer Trends - As of June 28, 2023, 15 consumer finance companies have listed 110 projects through the banking credit asset registration and circulation center, with a total NPL asset package size exceeding 300 billion yuan, marking a substantial increase compared to previous years [1][2]. - Among these companies, Zhaolian Consumer Finance has the largest transfer scale, with 11 projects amounting to 85.32 billion yuan, significantly surpassing other firms [2]. - Five companies, including Zhaolian, Xinyi, and Bank of China Consumer Finance, have transferred NPL asset packages exceeding 30 billion yuan, collectively accounting for 80% of the total [2]. Group 2: New Transfer Methods - A notable change in the transfer of NPLs is the direct sale of loans that have been written off without undergoing judicial proceedings, referred to as "selling without litigation" [4][5]. - For instance, Bank of China Consumer Finance recently listed a project with a total unpaid principal and interest of 21.65 million yuan, all loans being in an "unlitigated" state [4]. - This new approach allows consumer finance companies to streamline the asset disposal process, reduce operational costs, and quickly recover funds, thereby alleviating capital pressure [5]. Group 3: Financial Performance and Challenges - The consumer finance sector is facing pressure on profitability due to slow growth in consumer credit and increasing NPLs, with some leading companies experiencing a decline in asset quality [6][7]. - For example, Bank of China Consumer Finance's NPL ratio has risen from 2.8% in 2022 to 3.56% in 2024, indicating a continuous increase in NPL scale [6]. - The profitability landscape is becoming more balanced, with some companies showing significant profit declines, while others maintain stable operations [7].