1月9日，欢迎关注《银行今十条》，今日银行重要信息一览： 1、个贷不良转让试点延期一年，银登中心推交易优惠 个贷不良转让试点获监管批准延期至2026年12月31日。此次延期为2025年底试点到期后的政策延续，将 持续助力金融机构不良资产出清。银登中心同步宣布，2026年1月1日起暂免挂牌服务费，交易服务费享 八折优惠。作为核心流转平台，银登中心举措将进一步激活不良资产转让市场。该政策与优惠叠加，有 望推动个贷不良处置效率提升。 2、香港金融管理局：延长副总裁阮国恒的任期两年 1月9日，香港金融管理局宣布，财政司司长根据外汇基金咨询委员会辖下管治委员会的建议，批准延长 副总裁阮国恒先生的任期两年，今年8月生效。阮先生将继续负责金管局的银行政策、监管、操守及法 规事宜。 3、2025年银行网点近三年首现净增长，新设超8000家 2025年国内商业银行线下网点呈现"关停与新设并行"格局。全年关停网点约7871家，新设网点达8494 家，净增加623家。这是近三年银行网点数量首次实现正增长。网点变革凸显行业在渠道优化上的主动 调整。新设与关停的结构变化，反映银行对线下服务布局的精准化探索。 4、金融机构首席合规官配备 ...

Core Viewpoint - The increase in personal loan non-performing asset (NPA) transfers is not indicative of lenders "lying flat" but rather reflects a strategic adjustment in their operational models to optimize cost-benefit calculations [2][3][11] Group 1: Non-Performing Asset Transfer Mechanism - The mechanism for transferring non-performing assets allows for the conversion of these assets into tradable securities, enhancing market liquidity and enabling risk diversification [2] - The acceleration of NPA transfers is fundamentally about improving efficiency and managing costs [3] Group 2: Legal and Operational Challenges - Recent announcements from banks, such as China Bank, indicate that various litigation costs related to overdue credit card accounts will now be included in the outstanding credit card bills [4][5][6] - The operational nature of consumer finance companies, characterized by a large and dispersed customer base with small loan amounts, complicates the collection process, leading to a preference for transferring non-performing assets that are often in an "unlitigated" state [8][9] Group 3: Market Demand and Trends - The demand for bulk transfers of personal non-performing loans has increased, indicating a genuine need from both supply and demand sides in the market [11] - The introduction of the "Silver Registration Center" for NPA transfers has opened a channel for the professional handling of personal non-performing assets, enhancing market efficiency [10][17] Group 4: Regulatory and Consumer Protection Considerations - Regulatory constraints limit state-owned banks and state-backed consumer finance companies from directly waiving principal or interest, complicating the collection process [12] - The focus on consumer protection and the need for a balance between debt recovery and customer rights is emphasized, with institutions encouraged to adopt more flexible and diverse approaches to asset management [13][14] Group 5: Asset Valuation and Market Dynamics - The valuation of non-performing assets varies significantly based on the nature of the loans, with operational loans generally commanding higher prices due to better borrower quality [15][16] - Factors such as borrower demographics and asset characteristics are critical in determining the attractiveness of asset packages in the market [16] Group 6: Future Outlook and Challenges - The personal loan NPA transfer market is still in its early stages, with ongoing challenges related to customer credit reporting and complaint handling that need to be addressed for market maturity [17] - The evolution of this market is seen as a crucial step towards enhancing the resilience of the financial system, moving towards a more professional, market-oriented, and refined approach to risk management [17]