107.89亿元信用卡坏账2.45亿元甩卖，银行出清风险向精细化运营转型？

Core Viewpoint - The banking industry is accelerating the disposal of credit card non-performing assets, indicating a shift from scale expansion to quality prioritization under regulatory guidance and market mechanisms [1][4]. Group 1: Non-Performing Asset Disposal - Since 2025, financial institutions, including state-owned banks and joint-stock commercial banks, have issued nearly a thousand announcements regarding non-performing loan transfers, with some projects exceeding 10 billion yuan [1][2]. - In the first quarter of 2025, the scale of personal non-performing loan batch transfers reached 37.04 billion yuan, a year-on-year increase of over 700%, with credit card overdraft non-performing loans accounting for 14% [2][3]. - A specific bank announced the transfer of a credit card non-performing loan package with a total principal and interest exceeding 10.7 billion yuan, at a discount rate of only 0.23 [2]. Group 2: Regulatory Support and Policy Changes - Regulatory authorities have intensified policy support for non-performing asset disposal, emphasizing the need for financial asset management companies to enhance their acquisition and management capabilities [3]. - The guidelines issued this year require banks to strengthen risk control and implement strict credit card marketing management, preventing excessive credit issuance [4][5]. Group 3: Industry Transformation and Risk Management - The current wave of credit card non-performing asset disposal is driven by changes in both banking business logic and external environments, including tightened regulations and increased judicial challenges [4][5]. - The large-scale disposal of non-performing assets helps banks reshape their asset quality baseline, utilizing big data and AI to enhance risk control and recovery efficiency [6]. - Future sustainable development of credit card business should focus on three directions: deepening scenario integration, strengthening technological empowerment, and optimizing customer segmentation strategies [6].