信用卡不良转让市场升温行业探索高效处置新路径

Group 1 - The credit card overdraft non-performing asset transfer market has seen increased activity, with 23 announcements made since November, indicating a shift towards shorter overdue asset packages with an average overdue period of around six months [1] - The total amount of non-performing loans being transferred varies significantly, with some packages reaching up to 5.142 billion yuan, involving approximately 147,800 borrowers [1] - The trend of transferring shorter overdue assets is gaining traction, as these assets have lower debtor default rates and more controllable collection costs, potentially leading to higher discount rates during transfers [2] Group 2 - The proportion of non-litigious assets in credit card overdraft non-performing asset transfers is rising, which is expediting the disposal of non-performing loans, with only 7 out of 32,703 assets being litigated in recent transfers by Ping An Bank [3] - The batch transfer of retail non-performing assets has become a primary method for banks to manage these assets, with rising non-performing rates across various retail loan types, including credit card loans [3][4] - There are recommendations to include mortgage assets in batch transfer pilot programs and to engage individual investors with strong risk tolerance to enhance market vitality [4]