Zhong Guo Jing Ying Bao·2025-11-11 10:32Core Viewpoint - The article discusses the accelerated disposal of non-performing real estate assets by banks in China, driven by the need to enhance asset liquidity amid rising bad debts and stricter regulatory requirements during an economic downturn [1][2][4]. Group 1: Market Dynamics - Banks are auctioning properties at prices significantly below market valuation, with some properties starting at over 40% lower than assessed values, as seen in the case of a two-bedroom apartment in Langfang, Hebei [1]. - The trend of banks selling real estate directly is gaining traction, with various banks, including Agricultural Bank and Industrial Bank, actively promoting their properties through online platforms and bank channels [2][3]. Group 2: Challenges and Solutions - Concerns from buyers regarding legal disputes over auctioned properties are being addressed through agreements that ensure original owners vacate the premises by a specified date [2]. - The traditional judicial auction process is criticized for being lengthy and inefficient, prompting banks to seek alternative methods for quicker asset recovery, such as direct sales of non-performing loans [2][4]. Group 3: Innovations in Asset Disposal - Banks are exploring innovative approaches to asset disposal, including leveraging technology for faster transactions and creating flexible sales models like "rent-to-buy" and asset package sales [5]. - The use of big data and blockchain technology is being implemented to enhance transparency and streamline the transaction process, marking a shift from passive asset disposal to proactive asset management [5].