批量转让，低至0.17折！消金公司加速甩卖不良资产

Core Viewpoint - Consumer finance companies are accelerating the disposal of non-performing assets, indicating a trend towards market-oriented resolution of bad debts in the industry [1][5][8]. Group 1: Non-Performing Asset Transfer - In September, nine licensed consumer finance companies, including Ant Consumer Finance and Zhongyin Consumer Finance, have announced personal non-performing loan transfers, characterized by "large volume and low price" [1][3]. - Zhongyin Consumer Finance is particularly active, planning to transfer a batch of non-performing loans with an outstanding principal and interest of 527 million yuan, involving 4,674 borrowers, with an average overdue period of approximately 1,920 days [1][4]. - The transfer prices for these non-performing loans are significantly discounted, with Zhongyin's recent transfer starting at 562,000 yuan, equating to a discount of only 0.17 [1][4]. Group 2: Market Dynamics - The market for non-performing asset transfers has seen a substantial increase, with the total transaction volume for personal business reaching 37.04 billion yuan in the first quarter of 2025, marking a year-on-year growth of 760% [3]. - The structure of the assets being transferred shows that personal consumer loans account for 72.4% of the total, followed by credit card overdrafts at 14% and personal business loans at 13.5% [3]. - The trend of low-priced sales of non-performing assets has become commonplace, driven by increased supply and a buyer's market, leading to lower recovery expectations [5][8]. Group 3: Future Outlook - As the scale of non-performing assets continues to grow, it is expected that more consumer finance companies will join the ranks of those transferring bad loans [7]. - Companies are encouraged to enhance their marketing efforts and leverage financial technology to reduce operational costs and improve profitability [7][9]. - The ongoing trend of transferring non-performing loans reflects a strategic shift towards managing post-loan asset quality and mitigating potential risks, while also aligning with regulatory pressures to address bad asset management [8][9].