低至0.15折起拍！银行加速“甩包袱”

Core Viewpoint - Banks are accelerating the disposal of non-performing assets under pressure on asset quality, with some asset packages being auctioned at prices as low as 0.15% of their value [1][5]. Group 1: Non-Performing Asset Disposal - Since August, multiple state-owned banks, joint-stock banks, and local small and medium-sized banks have been actively listing non-performing asset packages for sale [1]. - As of August 28, 18 banks had announced 71 personal non-performing asset package transfers, with some starting prices significantly discounted [3]. - The average discount rate for credit card overdraft non-performing assets is notably low, at 4.4%, indicating that banks are "selling at a loss" [4]. Group 2: Trends in Non-Performing Asset Transfers - The number of non-performing asset transfer transactions has been increasing significantly over the past three years, with a notable rise in both the number of transactions and the total amount of unpaid principal [5]. - In the first quarter of 2025, there were 159 non-performing asset transfer transactions, a year-on-year increase of 93 transactions, with the total unpaid principal amount rising from 20.23 billion to 48.3 billion [5]. - Joint-stock banks are the main force in the disposal of non-performing assets, often achieving transaction volumes 3 to 4 times larger than state-owned banks and city commercial banks [5]. Group 3: Recommendations for Banks - To optimize the disposal of non-performing assets, banks should enhance risk prevention through stronger approval processes and improve compliance in debt collection [6]. - It is suggested that banks categorize asset packages more effectively to increase transparency and attractiveness, thereby enhancing their value and pricing ability [6]. - For cardholders with stable income but temporary financial difficulties, banks could negotiate debt restructuring plans to alleviate their debt burden and encourage repayment [6].