金融机构在处置问题资产的手段上也不断创新，为特殊资产价值重构提供了多元化路径。"除传统的司 法处置外，在问题资产处置上，平安银行积极探索通过重组整合、运营盘活、资源注入等各种方式，实 现对特殊资产价值的修复，甚至培育出新的增长点。"平安银行特殊资产管理部总经理尹飞认为，随着 经济逐步复苏和政策支持力度加大，问题资产规模有望趋于稳定，银行在处置过程中也将继续创新思 路、提升质效，维护金融体系的稳定。 近年来，平安银行成功纾困盘活了一系列出险资产，其中不乏一些有市场影响力的项目。平安银行2020 年在业内首创了特殊资产专家工作机制，借助专家力量共同推动特殊资产的重组重整与经营盘活。截至 目前，共有31位内外部特殊资产专家深度参与了平安银行的多个重大项目，代理重大案件超57件、案件 标的金额超340亿元，实现回收超70亿元。此外，平安银行还打造了特殊资产清收处置云平台——"特资 e"平台，目前平台注册用户达11.3万，包括投资机构2625家、律师专家7690名、评估机构1553家、催收 公司9526家等，并与12家法院实现"银法直联"。 "银行角色已发生重要变化"。尹飞表示，银行正悄然转变不良资产清收模式，逐渐从单 ...

Core Viewpoint - The current logic of non-performing asset disposal is changing due to the combined effects of economic and debt cycles, prompting banks and other stakeholders to rethink how to mitigate risks, revitalize existing assets, and optimize resource allocation [1] Group 1: Industry Trends - The scale of non-performing assets listed for sale in 2024 is expected to be approximately 286.2 billion, with a transaction scale of 225.8 billion, both showing a year-on-year increase of over 80% [1] - The average discount rate for corporate non-performing assets is 18.6%, which represents a year-on-year decrease of 35 percentage points [1] - The special asset industry is undergoing profound structural changes, with traditional recovery models facing significant challenges [1] Group 2: Bank Strategies - Ping An Bank is actively exploring various methods such as restructuring, operational revitalization, and resource injection to restore the value of special assets and even cultivate new growth points [2] - The bank has successfully revitalized a large residential project in a provincial capital city by coordinating with local governments and introducing state-owned enterprises as investors, ensuring project resumption and high-quality delivery [2] - Ping An Bank has established a special asset expert working mechanism to promote the restructuring and operational revitalization of special assets [2] Group 3: Evolving Role of Banks - The role of banks in asset recovery is shifting from a singular focus on disposal to diversified operations, balancing short-term gains with long-term value, and moving from risk control to risk innovation [3]