Core Insights - Two leading consumer finance companies are accelerating the transfer of non-performing asset packages, with transfer prices as low as 0.35% of the original value [1][2] Group 1: Asset Transfer Details - Hangyin Consumer Finance Co., Ltd. announced a non-performing loan transfer with an unpaid principal and interest totaling 1.974 billion yuan, with an initial price of 70 million yuan, representing a discount of only 0.35% [2] - The asset package from Hangyin involves 88,000 borrowers and has an average overdue period of approximately 46 months [2] - Ant Consumer Finance Co., Ltd. also announced a non-performing loan transfer with unpaid principal and interest of about 1.18 billion yuan, involving 417,000 borrowers, with an initial price of 125 million yuan, reflecting a discount of about 10% [2] Group 2: Market Trends - As of October 21, 2023, 19 consumer finance companies have transferred 166 non-performing loan projects, with over 4.5 billion yuan in non-performing assets listed for transfer in October alone, averaging a transfer price of 6.17% of the original asset value [3] - The acceleration in asset transfers is attributed to the need for consumer finance companies to reduce historical burdens and focus on core business areas such as customer acquisition and risk control [4] Group 3: Regulatory and Market Factors - Regulatory measures since 2025 have encouraged asset management companies (AMCs) to increase their acquisition and management of non-performing assets, promoting a more efficient market for asset transfers [4] - Local AMCs are the primary buyers of these non-performing asset packages, and despite the challenges in asset disposal, they can achieve profitability due to low acquisition prices and specialized collection methods [5]

记者丨郭聪聪 编辑丨肖嘉 进入10月下旬，消费金融行业的不良资产转让市场再次热闹起来。 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 ...