作者：李凤文 总之，银行下场卖房是特殊时期的战术性选择，核心目标是快速化解风险、回笼资金，但也需要重视防 范交易纠纷等声誉风险。从长远来看，构建多层次、专业化、市场化的不良资产处置体系才是根本之 道。银行应立足金融主业，当好资金提供者与协调者，通过与AMC、科技公司、地方政府的深度协 作，运用更多创新模式化解房地产不良资产风险，既守住金融安全底线，又为房地产市场平稳健康发展 注入持久动力。 责任编辑：王馨茹 但潜在挑战同样不容忽视。银行的核心竞争力在于金融服务，下场卖房缺乏专业销售团队、市场推广经 验和客户资源，可能面临"水土不服"和成本收益失衡的问题。就房产如何做到合理评估、公平定价，有 效防范内部人员以权谋私等，对银行内控管理提出更高要求。同时，出售房产如果在产权、物业费缴纳 等方面存在瑕疵，一旦出现交易纠纷，将直接损害银行声誉。对市场而言，集中入市的低价房源可能短 期压制周边房价，如兰州某"直供房"集中小区，周边二手房成交均价较上半年下跌4.2%，部分业主被迫 下调挂牌价。不过这种影响边界清晰，因"银行直供房"成交量占全国二手房交易总量不足1%，且多集 中在三四线城市或近郊，难以撼动整体房价体系。 值得 ...

值得注意的是，这一现象并非银行独有，消费金融公司、汽车金融公司等非银机构也在加大个贷不良资 产出清力度，共同印证了行业处置模式的转型。 银行下场卖房这一处置方式的利弊呈现多面性。对银行而言，直接卖房能显著提升资产处置效率，加速 资金回笼。同时通过自主把控交易流程，减少信息不对称带来的法律纠纷，最大限度保全资产价值。对 购房者来说，"直供房"成交价普遍低于市场价16%—31%，且交易流程规范透明，还能享受按揭贷款等 配套金融服务，有效解决了法拍房需全款支付的痛点，降低了"踩坑"风险。对市场而言，不良资产的有 序消化避免了恐慌性抛售对房价的冲击，为房地产市场健康发展筑牢缓冲垫。 "银行也在卖房了，比市场价低不少。"近期，兰州、广东等地银行通过线上平台直接挂牌"直供房"的消 息引发市场热议。这些房源凭借显著的价格优势和清晰的产权属性，成为刚需购房者的"捡漏"新选择。 而这背后，是金融机构不良资产处置从"被动清收"向"主动管理"转型的深刻变革。 银行"下场卖房"是特定经济环境下的选择。近年来，受经济下行压力与房地产市场深度调整影响，个人 按揭贷款断供、房地产开发贷款违约现象增多，银行持有的"法拍房""抵债资产"规模持 ...

Core Viewpoint - Banks are actively selling properties at prices significantly lower than market rates, driven by the need to manage non-performing assets and respond to economic pressures in the real estate market [1][2]. Group 1: Market Context - Recent economic downturns and deep adjustments in the real estate market have led to increased defaults on personal mortgage loans and real estate development loans, resulting in a growing scale of "foreclosure properties" and "debt settlement assets" held by banks [1]. - Traditional disposal channels for these assets have faced bottlenecks, with high rates of unsold foreclosure properties due to issues like unclear tax obligations and difficulties in clearing properties [1][3]. Group 2: Benefits of Direct Property Sales - Direct property sales by banks can significantly enhance asset disposal efficiency and accelerate capital recovery, while also reducing legal disputes through better control of the transaction process [2]. - Buyers benefit from "direct supply properties" that are generally priced 16% to 31% lower than market rates, with transparent transaction processes and access to mortgage services, addressing the challenges of full cash payments for foreclosure properties [2]. Group 3: Challenges and Risks - Banks may face challenges due to a lack of professional sales teams and market promotion experience, which could lead to inefficiencies and imbalances in cost and revenue [3]. - Potential issues with property rights and payment of property fees could result in disputes that harm the bank's reputation [3]. - The influx of low-priced properties into the market could temporarily suppress surrounding property prices, as seen in certain areas where average transaction prices have dropped [3]. Group 4: Alternative Asset Disposal Strategies - Besides direct sales, banks can utilize more mature and innovative methods for disposing of non-performing assets, such as packaging them for asset management companies (AMCs) that specialize in efficient asset disposal [4]. - Establishing "special asset divisions" or using asset securitization to attract capital market investors are also viable strategies for risk sharing and maximizing returns [4]. - For properties that are difficult to sell, converting them into long-term rental apartments or affordable rental housing aligns with policy directions and helps activate assets [4]. Group 5: Long-term Strategy - The decision for banks to sell properties directly is a tactical choice aimed at quickly mitigating risks and recovering funds, but it is essential to focus on preventing transaction disputes and reputation risks [4]. - A long-term solution involves building a multi-layered, professional, and market-oriented system for disposing of non-performing assets, with banks acting as financial providers and coordinators through collaboration with AMCs, technology companies, and local governments [4].