越来越多「超短账龄」的个贷不良资产包正活跃于交易市场。 1 最近，在银行业信贷资产登记流转中心（以下简称「银登中心」）上，中银消费金融挂出了一批个贷不良资产包，加权平均逾期天数仅93天，且状态均为 「已核销」、「未诉讼」。 | 一、不良贷款基本信息 | | | | | --- | --- | --- | --- | | 交易基准日 | 20250505 | 未偿本金总额(元) | 7.086. 365.00 | | 资产笔数(笔) | 77 | 未偿利息总额(元) | 507. 485. 81 | | 借款人户数(户) | 77 | 未偿本息总额(元) | 7.593.850.81 | | 加权平均逾期天数 | 93 | 其他费用(元) | 52.654.70 | | 单一借款人最高未偿 本息余额(元) | 202, 286. 08 | 情蒙人平均未偿本思余额 (元) | 98.621. 44 | | 借款人加权平均年龄 43.34 | | 借款人加权平均授信额度 (元) | 154. 320. 48 | | 五级分类情况 | 次级 77 奖 | | | | 核销情况 | 已核销 77 笔 | | | | 担 ...

Core Insights - The article discusses the strategic moves of the low-profile business leader Shen Guojun, particularly focusing on the expansion of Yintai Group and its asset management subsidiary, Ruijing Asset Management, in the non-performing loan market [1][5]. Group 1: Company Overview - Yintai Group acquired a 290-acre land parcel in Hangzhou for 1.337 billion yuan to develop a 600,000 square meter TOD urban complex [1]. - Ruijing Asset Management, established in 2018, has rapidly become a key player in the non-performing loan sector, acquiring over 1.5 billion yuan in individual loan non-performing assets since 2025 [1][5]. Group 2: Shareholder Structure - Ruijing Asset Management operates as a mixed-ownership enterprise, with Yintai Group holding 35% of the shares, followed by Jiangxi state-owned enterprise holding 30%, and other private investors [2][4]. Group 3: Financial Performance - Ruijing Asset Management's net profit figures for 2022, 2023, and 2024 were 94 million yuan, 145 million yuan, and 60 million yuan respectively, indicating a decline in profitability despite asset growth [8][11]. - The company achieved a total asset scale exceeding 8 billion yuan by the end of 2024, with a significant increase in asset management scale [5][11]. Group 4: Market Dynamics - The non-performing loan market is experiencing a shift from a blue ocean to a red ocean, with increased competition as state-owned asset management companies enter the market [11][12]. - The non-performing loan transfer market reached a scale of 286.2 billion yuan in 2024, reflecting an 80% year-on-year growth, with expectations for the individual loan non-performing market to exceed 1 trillion yuan in the next three years [12]. Group 5: Strategic Transformation - Shen Guojun is undergoing a significant strategic transformation, moving from heavy asset operations to light asset management, particularly through the focus on Ruijing Asset Management [7][8]. - The company is leveraging digital transformation and AI technologies to enhance its asset management capabilities and optimize recovery strategies [12].