12月不良资产转让公告已破百，华夏银行百亿信用卡资产包寻买家

Core Viewpoint - The article highlights the significant increase in the transfer of non-performing assets (NPAs) by commercial banks, particularly focusing on Huaxia Bank's recent launch of over 11.3 billion yuan in credit card NPA packages, marking a new high in the industry for a single institution's asset disposal [1][3]. Group 1: Huaxia Bank's NPA Transfer - Huaxia Bank has launched eight credit card NPA packages totaling 11.3 billion yuan, which is a record for a single institution's asset disposal in recent times [1][3]. - The total number of loans in these packages ranges from 21,738 to 37,202, with the largest package (the 13th) amounting to 2.032 billion yuan and the smallest (the 20th) at 990 million yuan [1][4]. - The 11.3 billion yuan in NPAs represents 69.53% of Huaxia Bank's total personal non-performing loan balance of 162.35 billion yuan as of June 2025 [4][5]. Group 2: Industry Trends in NPA Disposal - The traditional model of centralized disposal by head offices is being replaced by a trend where branches lead the disposal of NPAs, reflecting a shift in the industry [3][9]. - Multiple banks, including state-owned and joint-stock banks, are increasingly initiating NPA disposal projects through their branches, supported by policy changes that allow branches to act as sellers [9][10]. - The market for NPA disposal is becoming more efficient as branches have a better understanding of local market conditions, which aids in accurate asset valuation and pricing [11]. Group 3: Market Dynamics and Challenges - The rise in NPAs is attributed to external factors affecting borrowers' repayment abilities, leading to an increase in personal non-performing loans [5][8]. - The average discount rate for credit card NPA packages is approximately 4.4%, suggesting that the final transaction prices for these asset packages will likely fall between 46 million yuan and 90 million yuan [5][6]. - Local asset management companies are becoming the primary buyers of these NPAs, indicating a growing acceptance of this asset disposal format in the market [6][7].