10月21日，杭银消费金融在银登网发布了2025年第8期个人消费金融不良贷款转让公告，公告数据显示，该资产包未偿本息合计 19.74亿元，其中本金10.3亿元、利息9.44亿元，涉及8.8万名借款人。 从定价来看，其起拍价仅7000万元，折算后折扣低至0.3折，成为近期挂牌资产包中折扣力度最大的一笔。如此低的定价，与其 资产包内资产质量直接相关。公告明确，该资产包加权平均逾期天数约为46个月（折合近4年），长期逾期意味着借款人还款意 愿和还款能力均处于较低水平，回收难度显著增加。 就在杭银消金挂牌前一日，蚂蚁消金也推出了本年度第8期个人消费金融不良贷款转让项目，涉及42万名借款人。该资产包未偿 本息11.79亿元，其中本金9.83亿元、利息1.96亿元，加权平均逾期天数约13个月，起拍价1.25亿元，折扣率约1折（10%），高 于当前市场6.5%的平均回收价格（记者注：该数据为银登中心一季度数据）。 "我们的信贷产品本身服务用户小额高频需求，所以笔均金额比较小。" 蚂蚁消金方向记者表示。数据印证了这一说法，蚂蚁消 金这个资产包的借款人平均未偿本息仅2800余元，符合小额消费贷的特征。 进入10月下旬，消费金融 ...

21世纪经济报道记者注意到，杭银消金、蚂蚁消金两家行业头部机构接连挂出累计超31亿元的个贷不良资产包，这显示出消费 金融机构优化资产结构的迫切需求。 与此同时，地方资产管理公司(AMC)作为消金不良的处置主力，尽管面临资金与管理的双重考验，仍在强化内功，积极布局。 消金机构年末密集出清不良 10月21日，杭银消费金融在银登网发布了2025年第8期个人消费金融不良贷款转让公告，公告数据显示，该资产包未偿本息合计 19.74亿元，其中本金10.3亿元、利息9.44亿元，涉及8.8万名借款人。 从定价来看，其起拍价仅7000万元，折算后折扣低至0.3折，成为近期挂牌资产包中折扣力度最大的一笔。如此低的定价，与其 资产包内资产质量直接相关。公告明确，该资产包加权平均逾期天数约为46个月(折合近4年)，长期逾期意味着借款人还款意愿 和还款能力均处于较低水平，回收难度显著增加。 就在杭银消金挂牌前一日，蚂蚁消金也推出了本年度第8期个人消费金融不良贷款转让项目，涉及42万名借款人。该资产包未偿 本息11.79亿元，其中本金9.83亿元、利息1.96亿元，加权平均逾期天数约13个月，起拍价1.25亿元，折扣率约1折(10%) ...

Core Viewpoint - The recent announcements from Bohai Bank and Guangzhou Rural Commercial Bank regarding the transfer of significant asset packages reflect a broader trend in the banking industry to optimize asset structures and reduce capital occupation as the year-end approaches [1][4]. Group 1: Asset Transfer Details - Bohai Bank plans to transfer approximately 69.833 billion yuan in debt assets, which includes principal of about 49.937 billion yuan, interest of approximately 10.436 billion yuan, penalty interest of around 9.334 billion yuan, and judicial fees of about 0.126 billion yuan [2][3]. - The book value of the assets to be transferred is estimated at about 48.31 billion yuan as of December 31, 2024, with a minimum expected transfer price of no less than approximately 48.883 billion yuan, representing about 70% of the total debt amount [3]. - The asset package consists mainly of loans, with 174 accounts involved, including 108 loan accounts, 32 asset management plans, 32 bills, 2 factoring accounts, and 1 letter of credit [3]. Group 2: Industry Trends - Since October, nearly 10 banks have announced the transfer of non-performing loans, indicating a trend of accelerated asset clearing in the banking sector [5]. - The asset transfer announcements include various types of loans, with significant amounts involved, such as a personal consumption and operational loan transfer by Postal Savings Bank totaling approximately 0.238 billion yuan [5]. - Analysts suggest that banks typically accelerate the transfer of non-performing assets in the second half of the year, particularly in the fourth quarter, to manage short-term risk indicators while balancing long-term risk management [5]. Group 3: Asset Management Strategies - The industry is shifting towards more proactive management of non-performing assets, with some banks establishing specialized departments to enhance the value of these assets [7]. - There is a growing recognition that non-performing assets can still hold value, leading to the development of comprehensive management systems aimed at maximizing asset value through debt restructuring and collaboration with financial asset management companies [7]. - The market for non-performing asset disposal is becoming more mature, with banks enhancing asset classification, data modeling, and value assessment to improve negotiation capabilities [7][8].