十月以来不良资产转让超百亿，银行加速风险出清，关注板块投资机会

Core Insights - Nearly 90 banks have announced non-performing loan (NPL) transfers since October, involving amounts exceeding 100 billion yuan [1] - Banks are transferring non-performing assets to reduce NPL balances and free up capital tied to inefficient assets, creating a "risk clearance-capital circulation" mechanism [1] - The concentrated efforts of domestic banks in NPL transfers are expected to enhance bank stock valuations further this year, with investment opportunities available through index investment tools like bank ETFs (515020) [1] Summary by Categories - NPL Transfers - Approximately 90 banks, including state-owned, joint-stock, and city commercial banks, have issued announcements regarding NPL transfers since October [1] - The total amount involved in these transfers exceeds 100 billion yuan [1] - Capital Management - The transfer of non-performing assets allows banks to lower their NPL balances and release capital that has been tied up in low-efficiency assets [1] - This strategy not only clears low liquidity assets but also creates space for new credit issuance in the coming year [1] - Market Outlook - The ongoing NPL transfer initiatives by domestic banks are likely to lead to an increase in bank stock valuations for the year [1] - Investors looking to enter the banking sector may consider using index investment tools such as bank ETFs (515020) [1]