在分论坛上，中国人民银行征信中心副主任李连三表示，金融支持民营经济发展"最后一公里"，主要落 实在信贷资金能够精准地直达民营企业，满足民营企业的信贷需求，其中最为关键的是解决信息不对称 问题。人民银行组织金融机构共同建设了全国中小微企业资金流信用信息共享平台，作为企业资金流信 用信息跨行共享的重要金融基础设施，平台于2024年10月份建成上线运行。这一平台为我国5600多万中 小微企业建立了资金流信用信息档案，有效解决了企业信贷较少或者没有信贷记录、缺少有效信息准确 和可持续地识别企业经营状况和信用状况的难题，让沉睡的资金流信息共享起来，为企业增信，赋能企 业融资，助力信贷资金精准滴灌企业，真正实现信息变价值，帮助民营企业提升跨经济周期的韧性，实 现高质量发展。 北京市丰台区委书记王少峰在致辞中表示，丰台区深入贯彻落实中央金融工作会议精神，持续为首都金 融创新和高质量发展注入新动能。未来五年，丰台区将牢牢把握历史机遇，围绕市场主体的全生命周期 提供一揽子金融方案，加快建设丽泽金融商务区，做到金融政策聚力、金融资源聚集、金融服务聚合， 打造数字金融策源区、金融改革创新区、金融开放探索区、金融法治先行区，并与智库 ...

Core Insights - The report indicates that the bad loan transfer business in the banking sector is deepening, with 337 institutions opening 1004 business accounts by the end of 2024, showing a diverse participant structure and a significant decrease in market concentration [1][4] Group 1: Personal Bad Loan Transfer Business - The batch transfer of personal bad loans is characterized by a more diverse structure of transferors, with a notable decrease in the market share of national joint-stock banks, while state-owned large banks, urban commercial banks, and consumer finance companies see significant growth [1][2] - The majority of transferred personal loans are written-off assets, with an increasing number of non-litigation assets, and the average borrower credit limit is mostly below 300,000 [2] - The average number of qualified bidders for batch personal loan transactions is nearly five, with transfer prices slightly rising compared to 2023, showing a negative correlation with overdue time [2] Group 2: Corporate Bad Loan Transfer Business - The supply of single corporate bad loan transfers is steadily increasing, with participation from various entities, including state-owned banks and trust companies successfully executing their first single corporate bad loan transfers [3] - The report highlights that 12 institutions successfully conducted batch corporate bad loan transfers, indicating a growing trend towards more open and standardized processes in the market [3] - Financial asset management companies are the main force in acquiring batch corporate bad loans, with a balanced acquisition scale among various asset management companies [3] Group 3: Future Outlook - The banking sector is expected to continue facing pressure in bad asset disposal, with the bad loan transfer business likely to develop further in 2025, as more market participants are anticipated to join [4] - The industry is expected to gain richer experience in areas such as credit reporting and consumer complaint handling, which may lead to new breakthroughs in market development [4]