2024 年末我国商业银行整体不良贷款率为 1.50% ， 2025 年 6 月末为 1.49% ，较 2020 年 9 月时的 1.96% 已经大幅下降。 自 2020 年 9 月末以来我国商业银行整体不良贷款率基本一直处于下降过程 。与 不良率走势对应，商业银行整体不良贷款拨备覆盖率自 2020 年 9 月末来不断上升， 2024 年末达到 211.19% ， 2025 年 6 月末为 211.97% 。我国商业银行 资产质量整体稳定良好 。 然而由于商业银行资产规模在不断扩大，因此虽然不良率下降， 不良贷款余额则在不断攀升 。 2024 年末商业银行不良贷款余额达到 3.28万 亿元 ， 2025 年 6 月末达到了 3.43万 亿元 。十年前的 2014 年末仅为 0. 84 万 亿元 。 随着不良贷款余额增长，不良贷款处置规模越来越大。 商业银行都有哪些处置不良贷款的手段呢？ 根据招商银行 2024 年年报公布： 报告期内共处置不良贷款 629.02 亿元，其中， 常规核销 304.01 亿元，不良资产证券化 225.69 亿元，清收 75.99 亿元，通过抵债、转让、重组上迁、减免等其他方式处 置 ...

Core Insights - The report indicates that the overall risk in China's financial system is controllable, but the risks associated with non-performing assets (NPAs) have not been fully revealed [1][2] - A significant portion of respondents (50.23%) believe that credit risk for commercial banks will slightly increase in 2022 compared to 2021, highlighting the urgency of addressing NPAs [1] - The report emphasizes the need for effective governance in small and medium-sized banks to mitigate risks in the long term [2] Group 1: Non-Performing Assets (NPAs) Overview - The report surveyed 215 banking professionals, revealing that 45.58% view the transfer of non-performing assets as the primary method for addressing NPAs [2] - The non-performing loan (NPL) rates for urban commercial banks and rural commercial banks are significantly higher than the overall rate of 1.75%, at 1.82% and 3.59% respectively [1] - The report suggests that the real estate sector may see an increase in NPL rates due to the impact on private real estate companies [1] Group 2: Challenges in NPA Management - The report highlights the difficulties in the market-oriented debt-to-equity swap process, particularly the challenge of pricing non-performing loans [3] - It notes that national financial asset management companies are the primary buyers of NPAs, while local companies and internet platforms play a supplementary role [2] - The report calls for the establishment of a reasonable pricing mechanism for debt-to-equity swaps to enhance their effectiveness [3]

该笔不良资产包将于2025年8月8日10:00开始竞价，起始价278.50万元，加价幅度5.00万元。 | 不良贷款基本信息 | | --- | | 交易基准日 | 20240531 | 未偿本金总额(元) | 76.932.993.83 | | --- | --- | --- | --- | | 资产笔数(笔) | 1234 | 未偿利息总额(元) | 2,161,612.48 | | 借款人户数(户) | 270 | 未偿本息总额(元) | 79, 094, 606. 31 | | 加权平均逾期天数 | 1812 | 其他费用(元) | 1.963.832.04 | | 单一借款人最高未偿 本息余额(元) | 6.073.913.95 | 借款人平均未偿本息余额 (元) | 292. 942. 99 | | 五级分类情况 | 损失 1234 笔 | | | | 核销情况 | 已核销 1234 笔 | | | | 担保情况概述 | 抵押 969 笔;保证+抵押 265 笔 | | | | 诉讼情况概述 | 他 1 笔 | 终本执行 669 笔;未诉 381 笔;已判未执 142 笔;执行中 41 笔;其 | ...