银行间市场NPAS指数2024年第2季度

Overview - The report provides insights into the NPAS index for the interbank market, focusing on various asset classes including mortgage loans, credit cards, consumer loans, and small micro loans [2][4]. Mortgage NPAS - The initial asset scale for mortgage NPAS decreased from 152.5 billion in Q4 2023 to 97.84 billion in Q2 2024, indicating a significant contraction in the market [2]. - The current recovery sentiment dropped sharply to 2.6 in Q2 2024 from 10.2 in Q1 2024 and 42.9 in Q4 2023, reflecting a deteriorating recovery environment [2]. - Cumulative recovery sentiment also declined to 28.9 in Q2 2024 from 35.3 in Q1 2024 and 49.2 in Q4 2023, suggesting ongoing challenges in asset recovery [2][5]. Credit Card NPAS - The initial asset scale for credit card NPAS was 206 billion in Q2 2024, down from 258.84 billion in Q4 2023 [2]. - The current recovery sentiment for credit cards was 36.6 in Q2 2024, slightly down from 38.8 in Q1 2024 and 44.4 in Q4 2023, indicating a stable but declining trend [2]. - Cumulative recovery sentiment remained relatively stable at 31.0 in Q2 2024 compared to 31.4 in Q1 2024 and 38.5 in Q4 2023 [2][9]. Consumer Loan NPAS - The initial asset scale for consumer loan NPAS was 74.5 billion in Q2 2024, a decrease from 172.5 billion in Q4 2023 [2]. - The current recovery sentiment for consumer loans was 33.3 in Q2 2024, down from 37.5 in both Q1 2024 and Q4 2023, indicating a downward trend [2]. - Cumulative recovery sentiment increased to 22.2 in Q2 2024 from 17.6 in Q4 2023, suggesting some improvement in long-term recovery despite short-term challenges [2][11]. Small Micro Loans: Credit and Auto Pledge - The initial asset scale for small micro loans (credit and auto pledge) was 212.6 billion in Q2 2024, down from 247.9 billion in Q1 2024 [2]. - The current recovery sentiment dropped to 25.0 in Q2 2024 from 35.3 in Q1 2024, reflecting a significant decline [2]. - Cumulative recovery sentiment also decreased to 25.0 in Q2 2024 from 29.4 in Q1 2024, indicating ongoing difficulties in asset recovery [2][14]. Small Micro Loans: Other Pledge Types - The initial asset scale for small micro loans (other pledge types) was 140.3 billion in Q2 2024, down from 185.6 billion in Q4 2023 [2]. - The current recovery sentiment surged to 50.0 in Q2 2024 from 27.8 in Q1 2024, indicating a strong recovery performance [2]. - Cumulative recovery sentiment increased significantly to 66.7 in Q2 2024 from 55.0 in Q4 2023, suggesting a robust recovery trend [2][17].