文 | 创业最前线 李薇 编辑 | 蛋总 近期，河南省唯一一家持牌消费金融公司——中原消费金融迎来了第二任总经理邵航，引发业内关注。 11月3日，金融监管总局河南监管局发布一项公告，核准邵航河南中原消费金融股份有限公司（简称"中原消费金融"）总经理的任职资格。 图 / 中原消费金融的新任总经理邵航任职资格批复公告（来源：金融监管总局） 中原消费金融成立于2016年12月底，总部设在河南省。截至2025年上半年，公司注册资本为20亿元。 公司股东包括3家，即中原银行（持股49.25%）、华平亚洲金融投资有限公司（持股42%）与上海伊千网络信息技术有限公司（持股8.75%）。 在业绩表现上，中原消费金融在今年上半年的盈利增速较高，营业收入与净利润分别同比增长29.52%、30.4%。 此前在2024年末，中原消费金融对外披露其总资产规模达到424.79亿元，位列行业第12名，同时其净利润排在第8名。 然而，公司2024年末的不良率为2.09%，近三年不良贷款规模攀升与资本补充压力需引起重视。此外，公司积极推出"双十一购物狂欢节"活动，并通过产 品体验官计划，持续优化App用户体验。 接下来，中原消费金融在新高管的 ...

Core Viewpoint - The consumer finance industry is accelerating the disposal of non-performing assets and issuing asset-backed securities (ABS) to replenish capital, driven by intensified competition, slowing economic growth, and declining asset quality [1][6]. Group 1: Non-Performing Asset Disposal - Consumer finance institutions are rapidly clearing non-performing assets, with a trend of "quick clearance and quick transfer" becoming the norm [2]. - Ant Financial recently listed a personal non-performing loan asset package with a total unpaid principal and interest of 600 million yuan, starting at a price of only 72.1 million yuan, reflecting a discount rate as low as 12% [2]. - The average overdue days for this asset package is 335.8 days, and it has been fully classified as a "loss" category [2]. - The average unpaid principal and interest balance for borrowers in a non-performing asset package is over 5,000 yuan, with an average of 2.62 loans per person [3]. - Institutions like Zhaolian Consumer Finance are adopting a "write-off and sell, all non-litigation" approach, transferring 464,693 non-performing assets with an average overdue period exceeding 600 days [3][4]. - The trend of low-price transfers of non-performing assets has become a common practice among consumer finance companies, with transfer volumes reaching historical highs [4]. Group 2: Asset-Backed Securities (ABS) Issuance - Consumer finance companies are accelerating ABS issuance to broaden financing channels, with a total of 15 ABS products issued by May 29, amounting to 7.458 billion yuan, a 45% increase compared to the same period in 2024 [6][10]. - The majority of ABS issued are personal consumption loan ABS, accounting for 72.4% of the total [6]. - The issuance rates for ABS have reached new lows, with some products like "25 Nanyin Fabai 1A" having a ticket rate of only 3.15% [6][9]. - Regulatory support is a significant factor driving ABS issuance, with the People's Bank of China encouraging consumer finance companies to issue financial bonds and expand the scope of securitizable assets [10][11]. - ABS issuance is seen as a cost-effective financing method, helping consumer finance companies optimize their liability structure and enhance capital resilience against risks [11].