华夏银行转让信用卡不良资产113亿元，信用卡业务成投诉“重灾区”

Core Viewpoint - Huaxia Bank is transferring a total of approximately 112.87 billion yuan in personal non-performing loans related to credit card overdrafts, involving around 230,000 loans, which have all been classified as loss assets [3][19]. Group 1: Non-Performing Loans Transfer - The transfer includes eight batches of personal non-performing loans, with an average overdue period of 4 to 6 years, and most have not entered litigation [3][19]. - The average discount rate for credit card overdraft non-performing loans is approximately 4.4% [3][19]. - Huaxia Bank stated that the transfer is part of a normal market-based disposal plan and is not intended to optimize financial statements or respond to regulatory pressures [3][19]. Group 2: Asset Quality and Complaints - As of mid-2025, Huaxia Bank's non-performing loan balance is 386.70 billion yuan, with a non-performing loan ratio of 1.60%, unchanged from the end of the previous year [3][20]. - The bank's personal loan non-performing balance increased by 32.17 billion yuan to 162.35 billion yuan, with a non-performing loan ratio of 2.27%, up by 0.47 percentage points [4][20]. - Credit card business complaints accounted for 67% of total customer complaints, with issues including high-interest rates and improper debt collection practices [8][23]. Group 3: Credit Card Business Performance - Huaxia Bank issued 42.64 million credit cards, a 1.57% increase from the previous year, but the credit card loan balance decreased by 5.73% to 1595.87 billion yuan [6][22]. - The total transaction amount for credit cards was 3586.70 billion yuan, a year-on-year decrease of 16.32%, and credit card business revenue fell by 12.91% to 75.74 billion yuan [6][22]. - The bank plans to enhance its credit card business by improving customer segmentation, upgrading digital operations, and creating a diverse card usage environment [7][22]. Group 4: Consumer Complaints and Regulatory Response - Complaints against Huaxia Bank's credit card business are prevalent, with significant issues reported on platforms like Black Cat Complaints, including misleading advertising and unauthorized fees [8][23]. - The bank has acknowledged the need for improvement in service details and customer experience, viewing complaints as a driver for service enhancement [9][24]. - Huaxia Bank has committed to strict supervision of its lending partners and has taken measures to ensure compliance with regulations regarding student loans and high-interest rates [15][29].