本月待处置不良贷款规模已超过50亿元。 11月，消费金融行业不良资产处置进入活跃期，多家机构加速出清不良资产包。据记者不完全统计，本 月待处置不良贷款规模已超过50亿元，中银消费金融、中邮消费金融、兴业消费金融、南银法巴消费金 融、马上消费金融、海尔消费金融等多家机构先后挂牌。 值得注意的是，为提升处置效率，越来越多的消费金融公司选择在核销不良贷款后，未对借款人展开司 法诉讼，即直接挂牌转让，出现"未诉即卖"的新变化。 新增多家消金公司入场，处置节奏明显加快 11月18日，中银消费金融有限公司发布2025年个人不良贷款（消费贷）批量转让项目公告（组包版）， 拟转让不良贷款1578笔，未偿本金总额约1.28亿元，未偿利息约906万元，本息合计约1.37亿元，加权平 均逾期天数95天，且均未启动司法诉讼，预计竞价时间为12月。 前一日，中邮消费金融有限公司亦发布2025年第二期个人不良贷款批量转让公告，债权总额约1.84亿 元，加权平均逾期天数148天，未开展司法清收。 早在11月14日，兴业消费金融连续发布四则不良贷款转让公告，涉及金额分别为4.26亿元、2.83亿元、 4.33亿元及6.25亿元，加权平均逾期 ...

Core Viewpoint - The article highlights the ongoing trend of consumer finance companies in China actively disposing of non-performing assets, reflecting a dual reality of rapid industry expansion and increasing asset quality pressure [6][7]. Group 1: Asset Disposal Trends - Chongqing Ant Consumer Finance Co., Ltd. is offering a personal non-performing loan asset package with a total unpaid principal and interest of 600 million yuan, covering 120,000 borrowers, starting at a price of 72.1 million yuan, which is just over 10% of the asset package's value [1]. - In May 2025, multiple licensed consumer finance companies collectively transferred non-performing assets exceeding 7.5 billion yuan [3]. - China Bank Consumer Finance's recent actions are notable, with 20 non-performing asset packages totaling 2.17 billion yuan, with starting prices as low as 10% [4]. Group 2: Asset Characteristics - The non-performing loans from China Bank Consumer Finance exhibit a wide overdue time span, ranging from three months to five years, with a significant concentration in "substandard" and "loss" categories [4]. - The average overdue days for the non-performing loans in the 21st package is 94 days, with all loans being processed through offline signing and complete documentation [4]. - The phenomenon of "small multiple loans" is evident, with an average of 2.62 loans per borrower, indicating that individual borrowers may carry multiple small loans [1]. Group 3: Market Sentiment and Pricing - The current market acceptance of consumer finance non-performing assets is low, with many asset packages being offered at discounts below 10%, indicating cautious valuation by the market [5]. - The practice of packaging non-performing loans by region is common in the industry, enhancing the appeal of these asset packages to local Asset Management Companies (AMCs) [5]. Group 4: Industry Dynamics - The total assets of 31 licensed consumer finance companies reached a historical high of 1.374731 trillion yuan, but asset quality pressures are increasingly evident [7]. - The non-performing loan ratio for China Bank Consumer Finance rose from 2.80% to 3.56% between 2022 and 2024, reflecting a broader trend among consumer finance companies [7]. - The industry is experiencing a clear trend of differentiation, with leading institutions like Ant Consumer Finance and Zhaolian Consumer Finance dominating the market, while smaller institutions face survival challenges due to rising non-performing asset pressures [8].