不光有低价直供房，11月银行超30亿不良“大甩卖”

Core Insights - Banks are accelerating the disposal of non-performing assets as the year-end approaches, with various asset packages being listed for transfer, indicating a shift from passive recovery to diversified methods of asset management [1][4] Group 1: Non-Performing Asset Disposal - The disposal of non-performing assets is transitioning from passive recovery to a more diversified approach, including online listings, direct sales of properties, and debt transfers, providing new pathways for banks to revitalize assets and recover funds [1] - As of November 13, 20 banks have listed 92 non-performing asset packages, totaling over 3 billion yuan in unpaid principal and interest, with significant contributions from banks like Nanjing Bank and China Bank [4][6] - The trend of accelerating non-performing asset disposal is closely linked to regulatory assessment deadlines, allowing banks to improve their asset structure and enhance their performance metrics ahead of year-end evaluations [5][6] Group 2: Direct Supply Housing - "Bank direct supply housing" has gained attention as a new market focus, where banks sell properties obtained through judicial processes or debt-for-asset swaps directly to the market, offering clearer ownership and reduced risks compared to traditional auctioned properties [2][3] - The pricing of bank direct supply housing is significantly lower than market rates, with examples showing properties listed at approximately 30% of their market value, attracting substantial interest from potential buyers [3] - This model aligns with banks' needs to expedite asset disposal and improve capital turnover efficiency, as it allows for quicker recovery of funds and minimizes transaction complexities [3][7] Group 3: Diversification of Disposal Methods - The methods for disposing of non-performing assets have become increasingly diversified, moving from traditional sales to more flexible and market-oriented approaches, including online listings and direct sales [7] - The trend shows a growing preference for direct sales to consumers via internet platforms, which helps shorten the recovery cycle and reduce transaction risks [7][8] - In addition to direct supply housing, banks are exploring various asset types for disposal, including unique items like liquor and gemstones, indicating a broader strategy for asset management [8]