进入四季度，银行不良资产转让迎来年内高峰期。 具体看来，个人消费贷款及信用卡透支依然是个人不良资产的主要来源，项目数量多且金额较大，多份 资产包规模达到亿元级。在目前49份转让公告中，标注为"个人消费贷款"的转让项目共有25个，标注 为"信用卡透支"的共21个。 11月18日，浦发银行信用卡中心接连发布四则个人不良贷款（信用卡透支）转让项目，其中一份（第10 期）涉及75616笔资产，未偿本息总额高达34.61亿元；另外三份资产包涉及的未偿本息总额均在4亿至5 亿元。四份资产包所涉借款人均为40岁以上的中年人群，加权平均逾期天数在4年至6年。同日，交通银 行上架一份来源于个人消费贷款的不良资产包，未偿本息总额约1.43亿元，加权平均逾期天数近三年。 联合资信研报指出，在经济周期性、产品内在风险性及市场策略有效性共同作用下，商业银行信用卡不 良率高于其他类型个人贷款，且上升趋势相对明显，个别城农商行信用卡不良率甚至已突破9%。消费 贷资产质量的下滑，本质上是银行前期追求规模的增长模式与宏观逆周期、微观风控能力不足之间矛盾 的凸显。 《国际金融报》记者注意到，11月以来，截至目前银行挂牌的个人不良资产转让项目数量 ...

Core Viewpoint - Guangzhou Rural Commercial Bank plans to transfer approximately 18.928 billion yuan of credit assets at a discount, marking the third consecutive year of transferring over 10 billion yuan in assets, totaling more than 45 billion yuan over this period [1][2] Group 1: Asset Transfer Details - The bank's announcement indicates that as of June 30, 2025, the principal amount of the credit assets is approximately 14.978 billion yuan, with corresponding interest of about 3.897 billion yuan, judicial fees of approximately 0.051 billion yuan, and penalties of about 0.002 billion yuan, totaling around 18.928 billion yuan [1] - The expected sale price for these assets is projected to be no less than 12.2 billion yuan [1] Group 2: Financial Performance - In the first half of the year, Guangzhou Rural Commercial Bank reported revenue of 8.04 billion yuan, reflecting a year-on-year increase of 9.4%, while net profit was 1.51 billion yuan, showing a year-on-year decrease of 11.2% [2] Group 3: Industry Context - The transfer of non-performing assets by banks is a strategic move to optimize asset structure, mitigate potential risks, and enhance capital efficiency, especially in the context of narrowing net interest margins and pressure on asset quality [2] - By rapidly divesting non-performing assets at a discount, banks can improve capital adequacy ratios, enhance overall asset quality, accelerate capital recovery, and allocate funds to higher-yielding sectors, ultimately strengthening operational stability and profitability [2]