2025年四季度伊始，银行业加速清理"历史包袱"，两则超百亿规模的债权资产转让事项现身，其中，渤 海银行拟挂牌转让近700亿元债权资产、广州农商行计划出售近190亿元信贷资产包，且均瞄准长期占用 资本、流动性差的历史包袱资产，以优化资产结构、提升资本充足率。与此同时，在银登中心的不良贷 款转让平台上，国有大行、股份制银行及地方中小银行推出的个人消费贷、信用卡透支、个人经营性贷 款等"小额分散"类不良资产包，正以常态化节奏转让，部分资产逾期超两年。在分析人士看来，未来银 行需构建"全周期、主动化"的不良资产价值管理能力，同时，利用大数据和AI技术等，对不良资产的回 收率、处置周期进行更精准的预测，有效防控风险。 "年终冲刺"式甩包袱 四季度伊始，两家港股上市银行展开"百亿级甩包袱"行动。 10月10日，渤海银行公告披露，该行拟公开挂牌转让债权资产，涉及本金金额约499.37亿元、利息金额 约104.36亿元、罚息金额约93.34亿元，叠加代垫司法费用1.26亿元，债权总额合计接近700亿元。从定 价来看，此次转让的初步最低代价总额不低于488.83亿元，相当于债权总额的约7折，若对比该资产包 经减值准备后的账面 ...

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].