近日，在银登中心官网，广州农商行发布的一条个人不良贷款转让公告引起中国证券报记者注意，该转 让项目中不良贷款加权平均逾期天数仅为211.63天。对比行业常态，多数进入转让环节的不良资产项目 逾期天数超过1000天，部分不良资产逾期账龄甚至超6年。记者进一步梳理发现，今年以来，逾期时间 不足1年便进入转让环节的不良资产开始增多。 加快不良资产出表、节省催收成本、盘活信贷资源等多重原因推动贷款机构加快个贷不良资产处置节 奏。业内人士认为，不良资产转让提速的背后，是银行对风险处置效率和成本的重新考量，促进了风险 处置行业分工走向专业化、合理化。 ● 本报记者 石诗语 不良贷款转让现短期化趋势 据记者统计，8月以来，在银登中心挂网的个贷不良资产转让项目中，有7笔项目的不良资产逾期天数在 300天左右，甚至更短。例如，建设银行河南省分行发布的一笔个人不良贷款转让项目显示，该不良资 产包加权平均逾期天数为133.22天；中国银行辽宁省分行的一笔个人经营贷不良资产包加权平均逾期天 数为186天。 随着个贷资产质量承压，金融机构化险需求增大，加快不良资产出表是不少贷款机构的诉求。 "不少机构选择加快转让不良资产是出于让其加快 ...

Core Viewpoint - The article highlights the accelerated pace of non-performing loan (NPL) transfers by consumer finance companies in response to regulatory encouragement for the transfer of bad assets, indicating a significant shift in the market dynamics for asset management [1][4]. Group 1: Market Activity - As of July 16, 15 licensed consumer finance companies have published 163 announcements for NPL transfers on the Silver Registration Center, including major institutions like Zhaolian, Ant Group, and Industrial Bank [2]. - Notably, Industrial Bank's consumer finance division alone has around 100 transfer transactions [2]. Group 2: Asset Transfer Details - The transfer prices of individual asset packages vary significantly due to factors such as the duration of asset defaults and borrower demographics. For instance, a personal NPL package from Industrial Bank with an outstanding principal of 1.7257 million yuan had a starting auction price of 303,000 yuan, approximately 18% of its value, while another package from Hubei Consumer Finance had a starting price of only 188,000 yuan for 14 million yuan in assets, reflecting a mere 1% of its value [4]. Group 3: Regulatory Environment - The rapid development of the NPL transfer market is attributed to enhanced regulatory requirements aimed at risk resolution, which have improved the efficiency of bad asset disposal. Since 2025, the National Financial Regulatory Administration has focused on guiding and regulating market development from the perspective of asset acquirers [4]. - Key regulatory documents, such as the "Guiding Opinions on Promoting the High-Quality Development of Financial Asset Management Companies" and the "Interim Measures for the Supervision and Management of Local Asset Management Companies," encourage asset management companies to increase their acquisition, management, and disposal of NPLs under controllable risk and sustainable commercial conditions [4]. Group 4: Industry Impact - The release of the regulatory framework for local AMCs is seen as a milestone for the industry, clarifying the responsibilities and main business areas of local AMCs while delineating operational red lines such as "false off-balance-sheet" and "benefit transfer" [5]. - These measures are expected to enhance the internal control and compliance management levels of local AMCs, promoting a healthy and sustainable development of the NPL transfer market [5].