【导读】邮储银行、平安银行挂牌转让个人不良贷款，规模高达21亿元 11月24日，邮储银行、平安银行相继在银行业信贷资产登记流转中心（以下简称银登中心）发布个人不 良贷款转让公告，合计转让不良贷款规模达21.02亿元。 两家银行挂牌转让个人不良贷款 银登中心公告显示，邮储银行本次转让项目为2025年第1期个人不良贷款（信用卡透支），其中涉及 81985笔贷款、81093户借款人，并全部归类为损失类信用贷款。同时，该项目涉及的未偿本金总额为 9.88亿元，未偿利息总额为3.09亿元，未偿本息合计达12.97亿元。 从逾期天数来看，平安银行第70期个人不良贷款的加权平均逾期天数为846.34天（约为2.32年），该行 第71期个人不良贷款的加权平均逾期天数为2042.84天（约为5.6年），借款人加权平均年龄分别为37.94 岁、36.56岁，且诉讼状态均为"未诉"。 整体来看，两家银行被转让的个人不良贷款均具有逾期天数长且无抵押物的特点，从诉讼情况来看普遍 完成诉讼占比较低，甚至多数为未诉讼状态。 步入四季度，银行不良加速出清 步入四季度以来，各家银行加速对不良资产的出清。据不完全统计，截至目前，本月以来各家银行 ...

Core Viewpoint - The article highlights a significant increase in non-performing loans (NPLs) and the market for transferring these loans, indicating rising risks in retail loans despite overall asset quality remaining stable among listed banks [1][6]. Group 1: Non-Performing Loans Data - The balance of non-performing loans and the non-performing loan ratio for commercial banks have both slightly increased [1]. - The market for transferring non-performing loans has seen a surge, with over 26 billion yuan in asset packages listed since November, and the total for the first half of 2025 exceeding 167 billion yuan, doubling from the same period in 2024 [1][2]. - The issuance of asset-backed securities (ABS) for non-performing loans has surpassed 67.857 billion yuan this year, reflecting an over 80% increase compared to the previous year [1]. Group 2: Retail Loan Risks - There is a consensus in the industry that retail loan risks are becoming more apparent, with no signs of reaching a peak yet [1][7]. - Major banks are increasingly transferring personal non-performing loans to improve asset quality and release capital [1][3]. - The rise in retail loan risks is characterized by a significant increase in non-performing rates for personal loans, credit card overdrafts, and personal business loans [6][7]. Group 3: Transfer Market Dynamics - The demand for transferring non-performing loans has intensified as banks approach year-end, with many institutions listing large asset packages, particularly in retail loans [2]. - The average discount rates for transferring personal loans are influenced by asset type and overdue duration, with some transactions seeing recovery prices as low as 10% of the original amount [4][5]. - The trend of "discount promotions" for non-performing assets is becoming more common as financial institutions seek to expedite transactions [4][5]. Group 4: Specific Bank Data - As of September, the non-performing loan ratio for China’s major banks has shown an upward trend, with specific figures indicating increases for banks like China Communications Bank and China Merchants Bank [6][7]. - For instance, China Communications Bank's personal loan non-performing ratio rose from 1.08% at the end of last year to 1.42% by September [6].

对于本次不良资产处置，有接近长沙银行的相关人士对记者表示，"此次是正常主动的治理行为，目的 是提高处置效率，降低管理成本。" 公开资料显示，长沙银行成立于1997年5月，是湖南省最大的法人金融企业及首家上市银行，该行于 2018年9月在上交所主板上市，注册资本为40.22亿元。 从经营业绩来看，今年长沙银行的资产质量略有下滑。财报数据显示，截至今年三季度末，长沙银行不 良贷款余额为71.62亿元，较上年末增加7.79亿元；不良贷款率为1.18%，较上年末增长0.01个百分点； 拨备覆盖率为311.88%，较上年末下降0.92个百分点。 截至三季度末，长沙银行资产总额为12436.98亿元，较上年末增长8.5%；报告期内，该行营业收入为 197.2亿元，同比上升1.3%；归母净利润为65.6亿元，同比上升6.0%。 【导读】长沙银行拟批量处置近7亿元不良资产，银行业加速不良资产转让 中国基金报记者 马嘉昕 11月18日，长沙银行公告称，该行于日前召开第八届董事会第二次临时会议并对多项议案进行审议表 决，其中包括拟批量处置金额高达69527.02万元的不良资产。 拟批量处置近7亿元不良资产 根据公告，长沙银行董事 ...

App作为不良资产转让市场的信息集散平台，可系统性展示中心制度规则、数据统计信息、资产推介、 业务培训课程等，实现资讯信息广泛触达，便于用户跟踪了解政策导向和市场动态。信息披露App可一 站式展示不良资产转让市场交易主体发布的转让公告、转让结果公告、重大事项公告和债权转让通知等 信息，便于用户及时了解市场最新进展。 个性化功能方面，App可实现用户个性化信息的合理分类和清晰展现，用户可通过"我的项目""我的日 历"等功能实时跟踪业务进展，通过"我的招商"查看投资意向，并可通过"成交行情"了解个贷业务成交 价格表现。 北京商报讯（记者 宋亦桐）11月18日，据银登中心微信公众号发布的消息，为进一步提高市场服务质 效，完善不良资产转让市场建设，助力构建开放共享的不良资产转让生态圈，银登中心现正式推出"银 登通"App（以下简称"App"），为用户提供资产信息展示、资讯信息共享等多元化服务。 App可一站式展示不良资产转让业务的招商信息和挂牌信息。对于出让方机构，App支持开立专属的资 产旗舰店，集中展示全行（全公司、全集团）的资产信息，用户可关注资产旗舰店并在资产上新时实时 获取消息提醒。此外，App可根据用户设 ...

Core Viewpoint - Shanghai Pudong Development Bank Shenzhen Branch has signed an agreement with China Cinda Asset Management Shenzhen Branch for the transfer of non-performing assets, indicating a strategic move to manage and offload bad debts [1][3]. Summary by Sections Agreement Details - The agreement, numbered 【信深-A-2025-0055】, was signed on September 23, 2025, and involves the transfer of principal debts and related rights from Shanghai Pudong Development Bank to China Cinda Asset Management [1]. - Borrowers and guarantors are required to fulfill their repayment obligations to China Cinda Asset Management as per the original contracts [1][3]. Financial Obligations - The announcement specifies that the listed borrowers and guarantors must pay interest, penalties, and other dues according to the loan and guarantee contracts, as well as relevant regulations from the People's Bank of China [3]. - The principal and interest balances as of the transfer benchmark date (July 22, 2025) are detailed for each borrower, indicating the financial scope of the transfer [4][5]. Borrower and Guarantor Information - A list of borrowers and their respective guarantors is provided, along with the principal amounts and interest owed. For example, Shenzhen Haojingfeng Industrial Development Co., Ltd. owes a principal of 29,892,678.72 yuan and interest of 1,196,308.93 yuan [4][5]. - Other notable borrowers include Shenzhen Rui Dong Xusheng Industrial Trade Co., Ltd. with a principal of 17,200,000.00 yuan and interest of 1,221,708.00 yuan, and Shenzhen Wanhu Supply Chain Co., Ltd. with a principal of 49,713,133.39 yuan and interest of 8,249,213.84 yuan [5].

Core Viewpoint - The acceleration of bad asset transfers by banks is aimed at improving financial statements and capital utilization, providing more support for future business expansion and strategic planning [2][4]. Group 1: Bad Asset Transfer Trends - In the fourth quarter, banks are increasingly announcing the transfer of bad loans, with several major banks, including state-owned and joint-stock banks, participating in this trend [3][5]. - In October, Bohai Bank and Guangzhou Rural Commercial Bank initiated significant asset transfers, with Bohai Bank offering nearly 700 billion yuan in debt assets and Guangzhou Rural Commercial Bank proposing over 189 billion yuan [3][4]. - By early November, nine banks had listed 23 bad asset packages totaling over 37 billion yuan, indicating a growing trend in bad asset transfers [3][4]. Group 2: Impact on Financial Metrics - The transfer of bad assets allows banks to clear long-term capital-occupying and poorly performing assets, effectively reducing the non-performing loan (NPL) ratio and improving asset quality [4][7]. - Data from the financial regulatory authority shows that banks disposed of 1.5 trillion yuan in bad assets in the first half of the year, a year-on-year increase of 123.6 billion yuan, leading to a decrease in both the balance of bad assets and the NPL ratio [4][6]. Group 3: Individual Loan Bad Asset Market - The demand for transferring individual loan bad assets is increasing, with the scale of batch transfers reaching 37.04 billion yuan by the end of the first quarter, a year-on-year surge of 761.4% [6][7]. - In November, 17 out of 23 bad asset packages transferred were individual loans, highlighting the growing focus on this segment [6][7]. - Analysts suggest that the transfer of individual bad loans is a normal part of banking operations, initiated in response to regulatory changes and market conditions [6][7].

Core Insights - Nearly 90 banks have announced non-performing loan (NPL) transfers since October, involving amounts exceeding 100 billion yuan [1] - Banks are transferring non-performing assets to reduce NPL balances and free up capital tied to inefficient assets, creating a "risk clearance-capital circulation" mechanism [1] - The concentrated efforts of domestic banks in NPL transfers are expected to enhance bank stock valuations further this year, with investment opportunities available through index investment tools like bank ETFs (515020) [1] Summary by Categories - **NPL Transfers** - Approximately 90 banks, including state-owned, joint-stock, and city commercial banks, have issued announcements regarding NPL transfers since October [1] - The total amount involved in these transfers exceeds 100 billion yuan [1] - **Capital Management** - The transfer of non-performing assets allows banks to lower their NPL balances and release capital that has been tied up in low-efficiency assets [1] - This strategy not only clears low liquidity assets but also creates space for new credit issuance in the coming year [1] - **Market Outlook** - The ongoing NPL transfer initiatives by domestic banks are likely to lead to an increase in bank stock valuations for the year [1] - Investors looking to enter the banking sector may consider using index investment tools such as bank ETFs (515020) [1]

Core Insights - Multiple banks are accelerating the transfer of non-performing assets due to regulatory pressure, financial optimization needs, and the maturation of market disposal channels [2][3] - The year-end is a critical period for banks to meet financial targets and regulatory assessments, making it an opportune time for non-performing asset transfers [2][3] Group 1: Non-Performing Asset Transfers - In November alone, several banks, including China Bank and Construction Bank, have announced non-performing loan transfers, with amounts exceeding hundreds of millions [1] - Construction Bank's Shanghai branch announced a transfer of non-performing personal loans totaling 38.91 million yuan, involving 250 borrowers with an average overdue period of 166.92 days [1] - Nearly 90 banks have reported non-performing loan transfers since October, involving over 10 billion yuan, with personal housing loans and consumer loans being the primary categories [1] Group 2: Market Dynamics and Challenges - The transfer of non-performing assets is seen as a way for banks to lower their non-performing loan balances and free up capital for new credit issuance [2][3] - The market for non-performing asset transfers faces challenges such as inconsistent valuation standards and high costs associated with traditional disposal methods [3] - There is a need for a comprehensive disposal system that incorporates technology and policy optimization to enhance asset valuation accuracy and disposal efficiency [3]

Core Points - On July 31, 2024, Xingtai Bank Co., Ltd. signed a bulk non-performing asset transfer agreement with Hebei Asset Management Co., Ltd. [1] - The agreement involves the transfer of creditor's rights and guarantees related to specified borrowers and guarantors from Xingtai Bank to Hebei Asset Management [1] - Hebei Asset Management is now responsible for collecting debts from the listed borrowers and guarantors as per the contract [1] Summary by Categories Transaction Details - The agreement includes multiple loans, with specific details on borrower names, loan contract numbers, start and end dates, transfer dates, principal and interest balances, and guarantee methods [1] - For example, the loan to Hebei Guangzhao Steel Trading Co., Ltd. has a principal and interest balance of approximately 26.9 million yuan, secured by guarantees from multiple entities [1] Borrower and Guarantor Information - The borrowers listed include Hebei Guangzhao Steel Trading Co., Ltd. and Handan City Haori Material Co., Ltd., among others [1] - The guarantees involve various individuals and companies, indicating a network of financial obligations and responsibilities [1] Financial Implications - The transfer of non-performing assets suggests a strategic move by Xingtai Bank to manage its risk exposure and improve its financial health [1] - The involvement of Hebei Asset Management indicates a focus on asset recovery and management of distressed loans [1]

Core Viewpoint - Consumer finance companies in China are accelerating the transfer of non-performing assets, with significant discounts on the transfer prices, indicating a growing urgency to manage bad debts effectively [2][3]. Group 1: Asset Transfer Details - Hangyin Consumer Finance Co., Ltd. announced a transfer of a non-performing loan package with an unpaid principal and interest totaling 1.974 billion yuan, with a starting price of 70 million yuan, representing only 0.35% of the total value [4]. - The package involves 88,000 borrowers and has an average overdue period of approximately 46 months, suggesting low repayment willingness and capability among borrowers [4]. - Ant Financial Consumer Finance Co., Ltd. also announced a transfer of a non-performing loan package with a total unpaid principal and interest of about 1.18 billion yuan, starting at 125 million yuan, which is about 10% of the total value [4]. Group 2: Market Trends - As of October 21, 2023, 19 consumer finance companies have transferred 166 non-performing loan projects through the Silver Registration Center this year [5]. - In October alone, the total scale of non-performing personal consumption loans transferred by consumer finance companies exceeded 4.5 billion yuan, with an average transfer price of 6.17% of the original asset value [6]. Group 3: Factors Driving Asset Transfers - The industry views the bundling and transfer of non-performing loans as a more cost-effective and time-efficient method compared to traditional collection and litigation processes, allowing companies to focus on core business areas like customer acquisition and risk control [8]. - Since 2025, regulatory bodies have encouraged asset management companies (AMCs) to increase their acquisition and management of non-performing assets under controlled risks, promoting market development [8]. - Local AMCs are the primary buyers of these non-performing asset packages, and despite the challenges in asset disposal, they can achieve profitability through specialized collection methods and low acquisition prices [9].