● 本报记者 石诗语 不良贷款转让现短期化趋势 据记者统计，8月以来，在银登中心挂网的个贷不良资产转让项目中，有7笔项目的不良资产逾期天数在 300天左右，甚至更短。例如，建设银行河南省分行发布的一笔个人不良贷款转让项目显示，该不良资 产包加权平均逾期天数为133.22天；中国银行辽宁省分行的一笔个人经营贷不良资产包加权平均逾期天 数为186天。 近日，在银登中心官网，广州农商行发布的一条个人不良贷款转让公告引起中国证券报记者注意，该转 让项目中不良贷款加权平均逾期天数仅为211.63天。对比行业常态，多数进入转让环节的不良资产项目 逾期天数超过1000天，部分不良资产逾期账龄甚至超6年。记者进一步梳理发现，今年以来，逾期时间 不足1年便进入转让环节的不良资产开始增多。 加快不良资产出表、节省催收成本、盘活信贷资源等多重原因推动贷款机构加快个贷不良资产处置节 奏。业内人士认为，不良资产转让提速的背后，是银行对风险处置效率和成本的重新考量，促进了风险 处置行业分工走向专业化、合理化。 "省成本、省时间、省人力是推动不良资产转让短期化的原因之一。"另一家股份行个贷部负责人告诉记 者，"个人贷款具有笔数多、单笔金额 ...

近日，在银登中心官网，广州农商行发布的一条个人不良贷款转让公告引起中国证券报记者注意，该转 让项目中不良贷款加权平均逾期天数仅为211.63天。对比行业常态，多数进入转让环节的不良资产项目 逾期天数超过1000天，部分不良资产逾期账龄甚至超6年。记者进一步梳理发现，今年以来，逾期时间 不足1年便进入转让环节的不良资产开始增多。 加快不良资产出表、节省催收成本、盘活信贷资源等多重原因推动贷款机构加快个贷不良资产处置节 奏。业内人士认为，不良资产转让提速的背后，是银行对风险处置效率和成本的重新考量，促进了风险 处置行业分工走向专业化、合理化。 ● 本报记者 石诗语 不良贷款转让现短期化趋势 据记者统计，8月以来，在银登中心挂网的个贷不良资产转让项目中，有7笔项目的不良资产逾期天数在 300天左右，甚至更短。例如，建设银行河南省分行发布的一笔个人不良贷款转让项目显示，该不良资 产包加权平均逾期天数为133.22天；中国银行辽宁省分行的一笔个人经营贷不良资产包加权平均逾期天 数为186天。 随着个贷资产质量承压，金融机构化险需求增大，加快不良资产出表是不少贷款机构的诉求。 "不少机构选择加快转让不良资产是出于让其加快 ...

Core Viewpoint - The market for "ultra-short aging" personal loan non-performing asset packages is becoming increasingly active, with many financial institutions opting to quickly write off and transfer these assets without extensive collection efforts [1][8][11]. Group 1: Non-Performing Loan Information - Recently, China Bank Consumer Finance listed a batch of personal loan non-performing asset packages with a weighted average overdue period of only 93 days, all marked as "written off" and "not in litigation" [2][7]. - The total unpaid principal amount for these assets is approximately 22.46 billion yuan, with 296 asset cases involved [3]. - The average unpaid principal balance per borrower is about 81,164.35 yuan, and the average borrower age is 41.88 years [3]. Group 2: Market Trends - Since 2024, many consumer finance companies have adjusted their classification of non-performing loans to include those overdue for 90 days or more, leading to a rise in the volume of short-term non-performing assets [7][9]. - The average discount rate for personal loan non-performing asset packages has significantly decreased, with the average recovery rate dropping from 32.9% in Q1 2021 to 6.9% in Q1 2025 [10][11]. - The total transaction volume for personal non-performing loans reached 158.35 billion yuan in 2024, a 64% increase year-on-year, indicating a growing trend towards short-term asset packages [15]. Group 3: Regulatory Environment and Market Dynamics - Regulatory pressures have increased the difficulty of debt collection, prompting banks to expedite the disposal of non-performing assets to improve their financial statements [11][12]. - Local Asset Management Companies (AMCs) have gained significant market share in acquiring personal non-performing assets, supported by favorable regulations [21][22]. - The market is witnessing a shift as major players like JD Group are entering the personal loan market, aiming to create a complete cycle from customer acquisition to loan disposal [23][24]. Group 4: Efficiency Improvements - The recent announcement from the registration center allows for a reduction in the announcement period for non-performing asset transfers from 10 working days to 5, aimed at enhancing market efficiency [26].