2025栗行资产运营大会将于2025年9月18日在北京举办。本次大会由北京丽泽金融商务区管理委员会指导，火栗网和须弥数科 联合主办；会议聚焦个贷不良资产，以"科技赋能产业 生态链接未来"为主题，邀请30余位行业专家就下列四个关键字进行研 讨。 市场：业内人士眼中的个贷不良资产市场及趋势； 科技：数智驱动 生态协同 重塑个贷不良新价值； 生态：不同利益出发点与视角的行业生态建设与诉求 会议概况 指导单位：北京丽泽金融商务区管理委员会 主办单位：北京火栗网科技有限公司、浙江须弥数字科技有限公司 协办单位： 北京银杉树科技有限公司、浙江爱签数字科技有限公司 举办日期：2025年9月18日（周四） 大会地址：中国·北京厦航嘉年华酒店 议程议题 | 时间 内容 | | | --- | --- | | 8:30-9:00 | 参会签到 | | 9:00-9:25 | 领导致辞 | | 9:25-9:45 | 主题发言 | | | 个贷不良资产市场情况分析与趋势展望 | | 9:45-10:05 | 主题发言 | | | 数智驱动、生态协同,重塑个贷不良新价值 | | 10:05-10:25 | 主题发言 | | | 高质 ...

Core Viewpoint - China Cinda's stock rose nearly 6% following the release of its interim results, indicating positive market sentiment despite a slight decline in revenue [1] Financial Performance - Total revenue for the first half of the year was 34.362 billion RMB, a year-on-year decrease of 2.0% [1] - Shareholder profit reached 2.281 billion RMB, reflecting a year-on-year increase of 5.8% [1] - Basic earnings per share were 0.05 RMB [1] Asset and Liability Overview - As of the end of the first half, total assets amounted to 1.68 trillion RMB, an increase of 2.62% compared to the end of the previous year [1] - Total liabilities reached 1.46 trillion RMB, growing by 2.80% from the end of the previous year [1] Asset Acquisition Strategy - In response to changes in the non-performing asset market, China Cinda expanded its acquisition channels and increased effective investments [1] - The company acquired 25.506 billion RMB in financial non-performing debt assets in the first half, marking a year-on-year growth of 56.80% [1] - China Cinda supported various financial institutions in revitalizing and disposing of non-performing assets, acquiring 342,000 individual loan non-performing assets with a principal amount of 4.7 billion RMB [1] - The company also participated in the reform and risk management of small and medium-sized financial institutions, acquiring nearly 60 billion RMB in non-performing debt principal and interest from 54 local small and medium-sized banks, a year-on-year increase of 85.4% [1]

Core Viewpoint - In the first half of 2025, China Cinda Asset Management Co., Ltd. demonstrated its role in risk prevention and serving the real economy, achieving a net profit of 2.281 billion yuan, a year-on-year increase of 5.78% [2] Financial Performance - As of June 30, 2025, total assets reached 1.68 trillion yuan, up 2.62% from the end of the previous year, while total liabilities increased by 2.80% to 1.46 trillion yuan [2] - Shareholder equity rose to 197.29 billion yuan, a 1.60% increase year-on-year, with total revenue amounting to 34.362 billion yuan, a decrease of 2.0% compared to the same period last year [2] Business Segments - The non-performing asset management business had total assets of 938.23 billion yuan, growing by 2.51%, with total revenue of 18.491 billion yuan, a slight increase of 0.30% [3] - The financial services segment showed steady growth, with total assets of 736.74 billion yuan, up 1.23%, and a significant increase in pre-tax profits by 63.87% to 3.518 billion yuan [3] - Notable pre-tax profit growth was observed in various subsidiaries: Nanchang Bank (22.68%), Cinda Securities (82.37%), Cinda Trust (60.45%), and Cinda Financial Leasing (69.93%) [3] Risk Management Initiatives - In the first half of 2025, the company acquired 25.506 billion yuan in financial non-performing debt assets, a year-on-year increase of 56.80%, and made significant progress in acquiring individual loan non-performing assets [4] - The company actively participated in the reform of small and medium-sized financial institutions, acquiring nearly 60 billion yuan in non-performing debt from 54 local small banks, an increase of 85.4% [4] - Cinda also focused on real estate risk resolution, launching 19 projects with an investment of 5.4 billion yuan, ensuring the delivery of 14,000 housing units and facilitating the resumption of projects worth over 75.7 billion yuan [4] Future Outlook - The company aims to strengthen governance, customer service, and talent development, focusing on high-quality development and supporting national strategies to enhance its service capabilities [5]

Core Insights - The report indicates a significant increase in the scale of personal loan non-performing asset (NPA) transfers, with a transaction volume of 37.04 billion yuan in Q1 2025, representing a 761% increase compared to the same period last year [1] - The average discount rate and average principal recovery rate for bulk transfers of personal non-performing loans have both declined, with some banks starting to sell these asset packages at prices below 10% of their face value, referred to as "ice point prices" [1] - Industry experts view the increase in the scale of NPA transfers as a reflection of institutions' proactive management of post-loan situations and their efforts to mitigate potential risks through the reasonable disposal of non-performing assets [1]