个贷不良处置逻辑重塑： 告别“死磕”催收 开启“短跑”模式

Core Insights - The trend of short-term bad loan transfers is increasing, with many loans entering the transfer stage with overdue days less than one year, contrasting with the industry norm where overdue days often exceed 1000 days [1][2] Group 1: Bad Loan Transfer Trends - The average overdue days for bad loans being transferred has significantly decreased, with some loans having overdue days as low as 93 days [2] - The report from the Silver Registration Center indicates that the proportion of personal consumption bad loans is continuously increasing, with a shift towards shorter overdue periods [2][9] - The average discount rate for assets overdue for less than one year is 12.6%, compared to only 1.8% for assets overdue for more than five years, highlighting the financial incentive for banks to expedite the transfer of shorter overdue loans [4] Group 2: Reasons for Accelerated Transfers - Financial institutions are motivated to accelerate bad loan transfers to reduce internal pressure on bad loan ratios and improve cash flow [4][6] - The rising proportion of non-litigation assets in bad loan transfers is contributing to the faster disposal of bad loans, as litigation processes are lengthy and costly [2][4] - The operational costs associated with collecting overdue loans are significant, prompting banks to seek quicker resolutions through asset transfers [5][6] Group 3: Industry Professionalization - The acceleration of bad loan transfers is leading to a more professional and rational division of labor within the industry, with specialized Asset Management Companies (AMCs) taking on the management of bad assets [7][8] - AMCs are employing more flexible and diverse methods for handling bad loans, which can include principal reductions to facilitate borrower debt relief [7][8] - The Silver Registration Center anticipates continued growth in the bad loan transfer market, with more participants expected to join, enhancing the overall efficiency of asset management [9]