Core Viewpoint - The transformation of banks from passively offloading non-performing assets to actively managing and monetizing them represents a significant shift in asset management logic, despite ongoing challenges in professional capabilities, legal risks, and disposal efficiency [1][6][8]. Group 1: Active Management of Non-Performing Assets - Banks are increasingly engaging in direct sales of non-performing assets through public bidding, including a variety of asset types such as real estate, land, and collectibles [1][3]. - The shift from traditional methods of bundling non-performing assets for quick sales to a more detailed and strategic approach allows banks to better assess and realize the true value of these assets [4][8]. Group 2: Challenges in Implementation - Banks face significant challenges in the transition to a more refined operational model, including a lack of expertise in evaluating non-financial assets and potential legal issues related to asset ownership [5][7]. - The traditional banking workforce is primarily skilled in credit risk management, which does not necessarily translate to the evaluation and marketing of diverse asset types [7][9]. Group 3: Future Trends in Asset Disposal - The trend towards more meticulous asset management is expected to become mainstream, although traditional methods will still be utilized for certain asset types [8][9]. - The evolution of banks' asset disposal strategies is driven by both internal pressures, such as economic downturns, and external factors, including regulatory encouragement and the rise of online auction platforms [8][9].