● 本报记者 石诗语 从信用卡透支类不良资产包的逾期时间来看，多数在1500天以上，部分资产包逾期天数达2400余天，也 就是长达逾6年之久。但记者也发现，部分国有大行开始尝试缩短信用卡不良资产的处置周期。例如， 农业银行广东省分行近日发布的信用卡透支相关不良资产转让公告显示，相关不良资产包加权平均逾期 天数为638.22天；建设银行辽宁省分行近期发布的今年第4期信用卡透支类不良资产包的加权平均逾期 天数仅为189.52天，远低于行业常见的逾期天数。 根据《商业银行金融资产风险分类办法》的五级风险分类标准，逾期超过90天的债权被归为不良资产。 未诉资产占比高 记者了解到，个人不良贷款转让业务正在向短账龄项目倾斜，这类资产因逾期时间较短，债务人失联率 较低，催收难度和成本相对可控，因此在转让时可能获得更高的折扣率。 银登中心最新发布的报告显示，逾期账龄与折扣率直接相关。截至2025年一季度末，逾期账龄在1年以 下的资产平均折扣率为12.6%，而账龄在5年以上的资产平均折扣率仅为1.8%。 在信用卡透支类不良资产转让中，未诉资产比重有所上升，这也在一定程度上加快了不良贷款处置节 奏。例如，平安银行于11月4日发布 ...

Core Viewpoint - The banking industry is accelerating the disposal of historical burdens, with significant debt asset transfers occurring to optimize asset structures and improve capital adequacy ratios [1][2][3] Group 1: Major Debt Asset Transfers - Bohai Bank plans to publicly transfer debt assets totaling approximately 700 billion yuan, including principal, interest, and penalties, with a minimum price set at about 488.83 billion yuan, reflecting a discount of around 30% [2] - Guangzhou Rural Commercial Bank has approved a plan to transfer a credit asset package worth approximately 189.28 billion yuan, which includes a principal amount of 149.78 billion yuan and has incurred tax losses in recent years [3] Group 2: Trends in Non-Performing Asset Management - The transfer of small, dispersed non-performing assets has become a regular practice, with various banks listing personal loans and credit card debts on platforms for regular transactions [4][5] - The trend of transferring non-performing loans is expanding, with banks increasingly willing to dispose of small, high-risk loans through standardized processes [5][6] Group 3: Evolving Asset Disposal Strategies - The banking sector is transitioning from traditional bulk transfer methods to more market-oriented and diversified solutions, including asset-backed securities (ABS) to enhance capital market participation [7][8] - Regulatory changes are encouraging more market participants to engage in non-performing asset disposal, which is expected to improve efficiency and broaden the market supply [7][8]

Group 1 - The article highlights the legendary journey of Ni Xia Lian, a prominent table tennis player, who has dedicated over fifty years to the sport, showcasing her passion and perseverance [1][12] - Ni Xia Lian's early experiences in Shanghai, where she began her table tennis journey, are recounted, emphasizing her natural talent and determination that led her to the national team [4][6] - The evolution of table tennis, including changes in rules and equipment, is discussed, noting how these changes have increased the physical demands on athletes [6][8] Group 2 - Ni Xia Lian's role in promoting table tennis internationally, particularly in Europe, is emphasized, highlighting the differences in the sport's popularity and structure between China and Europe [9][10] - The article mentions Ni Xia Lian's appointment as the image ambassador for the European region of the Chinese Table Tennis Association, reflecting her influence and the importance of cultural exchange in sports [10] - The balance between her professional career and family life is addressed, showcasing her commitment to both aspects and the importance of health and harmony in her life [12]

Core Viewpoint - The wastewater treatment industry in China is undergoing a significant transformation from single pollution control to a collaborative approach of pollution reduction and carbon emission reduction, emphasizing green development and low-carbon technologies [1][5][6]. Industry Overview - The wastewater treatment sector is crucial for environmental infrastructure and water pollution management, and it is also a significant source of carbon emissions [1]. - Recent advancements in technology, including big data and AI, have led to notable improvements in industrial water treatment processes [1][6]. Project Highlights - The Ordos City Mengsu Economic Development Zone Water Resource Reclamation Plant is the first photovoltaic wastewater zero-discharge project in China, with a daily processing capacity of 100,000 tons and a reuse rate of 95% [2][3]. - The project generates approximately 6 million kWh of green electricity annually, equivalent to saving 1,968 tons of standard coal and reducing carbon dioxide emissions by 5,983 tons [3]. - A second water treatment plant is under construction in Ordos to support local industries such as photovoltaic and cloud computing, with a processing scale of 72,000 cubic meters per day [3]. Technological Innovations - The wastewater treatment industry is shifting towards energy-efficient and low-carbon technologies, including optimized biological treatment processes and the integration of photovoltaic power generation [6]. - The use of advanced technologies aims to achieve energy self-sufficiency within treatment facilities, contributing to a greener and more sustainable operation [6]. Policy and Industry Trends - The Chinese government has implemented various policies to promote the green transformation of the wastewater treatment industry, encouraging technological innovation for collaborative pollution reduction and carbon emission efficiency [5]. - The industry is moving from traditional methods that increase energy consumption and carbon emissions to more sustainable practices that balance treatment efficiency with environmental impact [5][6].