中邮消费金融拟转让1.31亿元不良贷款

Group 1 - Zhongyou Consumer Finance Co., Ltd. plans to transfer a non-performing loan of 131 million yuan, with a starting price of 13.47 million yuan, on June 12, 2024 [2] - The average overdue days for borrowers in the recent non-performing loan transfer projects have decreased, with Zhongyou's loans averaging 103.22 days and Bank of China Consumer Finance's loans averaging 107 days, both being secondary loans and not yet written off [2] - The trend of transferring non-performing loans earlier is aimed at alleviating non-performing asset pressure and reducing provisioning write-off pressure, thus creating more room for profit [2] Group 2 - The prices for non-performing asset packages in the consumer finance sector have generally decreased this year, with most starting transfer prices being below 12% of the corresponding debt amount, and some as low as 0.25% [3] - Licensed consumer finance institutions are increasingly willing to transfer non-performing loans to achieve "business off-balance sheet," indicating a potential rise in participation in bulk non-performing loan disposals [3] - Concerns regarding compliance issues and the effectiveness of asset evaluation and collection methods are causing some institutions to remain cautious about non-performing loan transfers [3] Group 3 - Asset management companies are currently observing the non-performing personal loan assets in consumer finance, preferring to purchase corporate non-performing assets instead due to the complexities and difficulties in recovering small amounts from individual loans [4] - The management believes that dealing with consumer finance non-performing assets is more challenging due to multiple involved parties and the small size of individual loans, necessitating more preparation for potential involvement in this business [4]