从“甩包袱”到“做买卖”，银行不良资产处置画风生变

Core Viewpoint - The transformation of banks from passively offloading non-performing assets to actively managing and monetizing them represents a significant shift in asset management logic, despite ongoing challenges in expertise, legal risks, and efficiency [1][5][9]. Group 1: Active Management of Non-Performing Assets - Banks are increasingly engaging in direct sales of non-performing assets, including real estate, land, and collectibles, through public bidding on platforms like Alibaba and JD [3][4]. - The shift to direct sales allows banks to better control asset valuation and recovery timelines, contrasting with the traditional method of selling to asset management companies [5][9]. Group 2: Challenges in Asset Valuation and Management - Banks face difficulties in accurately assessing the market value of non-financial assets and effectively reaching niche buyer groups, which tests their operational capabilities [1][8]. - The traditional approach of bundling loans and collateral for quick sales often results in undervaluation and overlooks the diversity of assets [6][8]. Group 3: Transition to Fine-Tuned Operations - The move towards "one asset, one strategy" aims to maximize value through tailored evaluation, pricing, marketing, and disposal plans for each non-performing asset [7][9]. - Despite the advantages of a more refined approach, banks still encounter challenges such as legal risks, valuation accuracy, and the need for specialized knowledge in non-financial asset management [8][10]. Group 4: Future Trends in Asset Disposal - The trend towards fine-tuned asset management is expected to become mainstream, driven by internal pressures and external regulatory encouragement for proactive asset management [9][10]. - Building a comprehensive operational system that covers the entire asset disposal chain is crucial for banks to enhance their asset management and value creation capabilities [10].