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Core Viewpoint - The recent surge in banks selling properties is primarily driven by an increase in mortgage defaults, leading banks to directly dispose of non-performing assets through property sales [1][9]. Group 1: Current Market Situation - Various banks have listed a significant number of properties for sale, with Sichuan Agricultural Credit Cooperative being the largest with over 24,000 listings [2]. - The average disposal period for judicial auction properties is around two years, indicating inefficiencies in the current system [3]. - The pricing system for auctioned properties is not well-established, leading to many properties failing to sell at auction [3]. Group 2: Reasons for Banks Selling Properties - The increase in mortgage defaults has resulted in banks needing to handle a larger volume of properties [9]. - Traditional methods of asset disposal, such as judicial auctions and asset management companies (AMCs), have proven to be inefficient and often result in significant losses [9]. - Banks are compelled to sell properties directly to expedite asset disposal and reduce non-performing asset ratios [10]. Group 3: Challenges in Property Sales - Properties sold by banks are typically priced 20% to 30% below market value, yet sales remain sluggish [7]. - The actual market price of properties can fluctuate significantly, complicating the sale process [8]. - The core issue remains the pricing of properties, as many judicial auction properties fail to sell due to unrealistic price expectations [10]. Group 4: Implications for the Banking Sector - Direct property sales by banks are a response to the accumulation of non-performing assets, necessitating a more hands-on approach to asset management [10]. - While this strategy may improve asset disposal efficiency, it does not guarantee better overall outcomes if pricing issues are not addressed [10]. - The current situation reflects a broader trend where banks, previously insulated from market pressures, are now facing significant challenges [11].