平安银行：积极探索特殊资产经营模式转型

Core Viewpoint - The current logic of non-performing asset disposal is changing due to the combined effects of economic and debt cycles, prompting banks and other stakeholders to rethink how to mitigate risks, revitalize existing assets, and optimize resource allocation [1] Group 1: Industry Trends - The scale of non-performing assets listed for sale in 2024 is expected to be approximately 286.2 billion, with a transaction scale of 225.8 billion, both showing a year-on-year increase of over 80% [1] - The average discount rate for corporate non-performing assets is 18.6%, which represents a year-on-year decrease of 35 percentage points [1] - The special asset industry is undergoing profound structural changes, with traditional recovery models facing significant challenges [1] Group 2: Bank Strategies - Ping An Bank is actively exploring various methods such as restructuring, operational revitalization, and resource injection to restore the value of special assets and even cultivate new growth points [2] - The bank has successfully revitalized a large residential project in a provincial capital city by coordinating with local governments and introducing state-owned enterprises as investors, ensuring project resumption and high-quality delivery [2] - Ping An Bank has established a special asset expert working mechanism to promote the restructuring and operational revitalization of special assets [2] Group 3: Evolving Role of Banks - The role of banks in asset recovery is shifting from a singular focus on disposal to diversified operations, balancing short-term gains with long-term value, and moving from risk control to risk innovation [3]