【头条评论】银行下场卖房 降风险也要防风险

Core Viewpoint - Banks are actively selling properties at prices significantly lower than market rates, driven by the need to manage non-performing assets and respond to economic pressures in the real estate market [1][2]. Group 1: Market Context - Recent economic downturns and deep adjustments in the real estate market have led to increased defaults on personal mortgage loans and real estate development loans, resulting in a growing scale of "foreclosure properties" and "debt settlement assets" held by banks [1]. - Traditional disposal channels for these assets have faced bottlenecks, with high rates of unsold foreclosure properties due to issues like unclear tax obligations and difficulties in clearing properties [1][3]. Group 2: Benefits of Direct Property Sales - Direct property sales by banks can significantly enhance asset disposal efficiency and accelerate capital recovery, while also reducing legal disputes through better control of the transaction process [2]. - Buyers benefit from "direct supply properties" that are generally priced 16% to 31% lower than market rates, with transparent transaction processes and access to mortgage services, addressing the challenges of full cash payments for foreclosure properties [2]. Group 3: Challenges and Risks - Banks may face challenges due to a lack of professional sales teams and market promotion experience, which could lead to inefficiencies and imbalances in cost and revenue [3]. - Potential issues with property rights and payment of property fees could result in disputes that harm the bank's reputation [3]. - The influx of low-priced properties into the market could temporarily suppress surrounding property prices, as seen in certain areas where average transaction prices have dropped [3]. Group 4: Alternative Asset Disposal Strategies - Besides direct sales, banks can utilize more mature and innovative methods for disposing of non-performing assets, such as packaging them for asset management companies (AMCs) that specialize in efficient asset disposal [4]. - Establishing "special asset divisions" or using asset securitization to attract capital market investors are also viable strategies for risk sharing and maximizing returns [4]. - For properties that are difficult to sell, converting them into long-term rental apartments or affordable rental housing aligns with policy directions and helps activate assets [4]. Group 5: Long-term Strategy - The decision for banks to sell properties directly is a tactical choice aimed at quickly mitigating risks and recovering funds, but it is essential to focus on preventing transaction disputes and reputation risks [4]. - A long-term solution involves building a multi-layered, professional, and market-oriented system for disposing of non-performing assets, with banks acting as financial providers and coordinators through collaboration with AMCs, technology companies, and local governments [4].