2025普惠金融报告｜不良处置：“质量”赶考之路

Core Viewpoint - The expansion of inclusive finance has led to increased asset quality pressures for banks and consumer finance institutions, necessitating a focus on both quality and efficiency to ensure sustainable development [1][4]. Group 1: Asset Quality Challenges - Small and micro enterprises face operational instability and lack effective collateral, making them vulnerable to economic fluctuations, which impacts their repayment capabilities [4]. - The asset quality of consumer loans and business loans is under pressure due to declining repayment abilities among individuals [4]. - The rise in non-performing loans (NPLs) is evident, with banks and consumer finance institutions actively engaging in asset quality protection measures [5][6]. Group 2: Asset Disposal Strategies - Banks are increasingly transferring non-performing loans through platforms like the Silver Registration Center, with significant amounts involved, such as a package of 7.62 billion yuan from Ping An Bank [4]. - Consumer finance institutions are also urgently disposing of non-performing assets, with some starting bids as low as 0.15% of the asset value, indicating a pressing need to mitigate potential risks [5]. - Efficient disposal channels, including internet auction platforms, are becoming essential for institutions to manage non-performing assets effectively [8]. Group 3: Regulatory and Strategic Responses - Regulatory bodies are emphasizing the need for enhanced asset disposal and capital replenishment, urging financial institutions to improve risk classification and increase the disposal of non-performing loans [8]. - Financial institutions are adopting innovative disposal methods, leveraging technology for risk management and operational efficiency [8][9]. - The focus on early identification and management of credit risks is being reinforced, with banks enhancing their capabilities in risk control and non-performing loan recovery [9]. Group 4: Long-term Sustainability - The effective management of non-performing assets is crucial for the sustainability of inclusive finance, as poor handling can lead to increased operational costs and higher risk pricing [6]. - Institutions are encouraged to explore partnerships with asset management companies and industry funds to optimize resource allocation and enhance the value of non-performing assets [9].