近日，中国证券报记者观察多个拍卖平台发现，由银行直接出售的房产数量有所增多。例如，在阿里资 产平台，开拍时间为11月1日至11日，标注有"银行直供"字样的房产信息较去年同期增长24.7%，仅11月 11日就有170余处涵盖商铺、住宅、写字楼等类型的房产同步拍卖。 业内人士认为，盘活存量资产的需求日益增长，促使银行在资产处置模式上，从过去的"To B"为主，转 向"To B"与"To C"并重。凭借产权清晰、价格低、交易效率高等优势，银行直售房产有望成为银行处置 不良资产、止损"回血"的重要路径。这一趋势也可能使银行端成为重要的房源供给渠道。 银行卖房升温 记者在阿里资产"银行直供"房产栏目发现，11月11日，有170余处房产处于拍卖状态，房产类型包括商 铺、写字楼、住宅、厂房等。资产处置方包括甘肃正宁县农信联社、通化农商行、贵州镇远农商行等区 域性中小银行，也有农业银行、建设银行、中国银行等国有大行的分支机构，资产拍卖起始价从3万元 至4000余万元不等。 记者查询阿里资产和京东资产等第三方竞价转让平台发现，今年以来，银行直供的房产、车辆等资产有 所增多。以阿里资产平台为例，据统计，开拍时间为11月1日至11 ...

银行卖房升温 记者在阿里资产"银行直供"房产栏目发现，11月11日，有170余处房产处于拍卖状态，房产类型包括商 铺、写字楼、住宅、厂房等。资产处置方包括甘肃正宁县农信联社、通化农商行、贵州镇远农商行等区 域性中小银行，也有农业银行、建设银行、中国银行等国有大行的分支机构，资产拍卖起始价从3万元 至4000余万元不等。 近日，中国证券报记者观察多个拍卖平台发现，由银行直接出售的房产数量有所增多。例如，在阿里资 产平台，开拍时间为11月1日至11日，标注有"银行直供"字样的房产信息较去年同期增长24.7%，仅11月 11日就有170余处涵盖商铺、住宅、写字楼等类型的房产同步拍卖。 业内人士认为，盘活存量资产的需求日益增长，促使银行在资产处置模式上，从过去的"To B"为主，转 向"To B"与"To C"并重。凭借产权清晰、价格低、交易效率高等优势，银行直售房产有望成为银行处置 不良资产、止损"回血"的重要路径。这一趋势也可能使银行端成为重要的房源供给渠道。 记者查询阿里资产和京东资产等第三方竞价转让平台发现，今年以来，银行直供的房产、车辆等资产有 所增多。以阿里资产平台为例，据统计，开拍时间为11月1日至11 ...

● 本报记者 石诗语 银行卖房升温 记者在阿里资产"银行直供"房产栏目发现，11月11日，有170余处房产处于拍卖状态，房产类型包括商 铺、写字楼、住宅、厂房等。资产处置方包括甘肃正宁县农信联社、通化农商行、贵州镇远农商行等区 域性中小银行，也有农业银行、建设银行、中国银行等国有大行的分支机构，资产拍卖起始价从3万元 至4000余万元不等。 记者查询阿里资产和京东资产等第三方竞价转让平台发现，今年以来，银行直供的房产、车辆等资产有 所增多。以阿里资产平台为例，据统计，开拍时间为11月1日至11日的"银行直供"房产较去年同期增长 24.7%，较上月同期增长77.8%。"四季度，不少银行加速处置手中资产，目的是为了在年底封账前尽可 能多地收回款项。"某股份行法保部相关负责人告诉记者。 广东省城乡规划院住房政策研究中心首席研究员李宇嘉告诉记者，银行直售房产一直存在。"一般的过 程是，在借款人贷款违约后，银行通过债权获得作为抵押物的不动产完整产权，然后在公开市场进行销 售。过去，大体量的不动产往往在各种资产处置平台上，通过B端批量处理；小规模的几套房，往往通 过房产中介机构在二级市场卖掉。"李宇嘉说。 谈及近期银行直 ...

一套位于河北省廊坊市80平方米的两居室，即将在11月14日以低于评估价44%的价格起拍，该套房产是 兴业银行在住宅类资产推介专场上推向市场的。 过去一年中，商业银行纷纷加速推进抵债资产处置，以低于市场评估价20%以上的价格，通过阿里资产 公开的网络平台、银行公众号等渠道对外拍卖、销售。银行加速处置"不动产"的背后，是银行快速提升 资产流动性，也是经济下行周期中不良资产攀升与监管要求趋严双重压力下的必然选择。 复旦大学管理学院科创管理研究中心首席经济学家邵宇对《中国经营报》记者指出："当前房地产行业 处于下行周期，房企及终端购房者出现部分住房抵押贷款违约，银行在积极寻求处置此类资产的方 式。" 折价出售 记者注意到，在公开的网络平台上农业银行榆林分行、兴业银行、长安银行以及江西农商行联合银行等 多家银行的不动产专场推荐正火热进行中。 中部地区某农商行人士告诉记者："目前二手房交易并不活跃，要想提高银行直售房的交易速度，我们 的经验是，明显低于市场价、没有产权纠纷以及二手房市场上稀缺的房源会更容易出售。" 对比普通二手房市场上公开出售的房子，部分"银行直供房"通过低于市场价、稀缺房源等独特优势形成 差异化市场。例 ...

7 出品 | 搜狐财经 作者 | 王泽红 银行直供房，正大规模进入楼市和房产法拍市场。 银行正加速开展直售房产业务，此类房源多为不良资产处置房，近期被批量挂牌处置，出现在京东、阿里资产司法拍卖平台上。 目前，参与的银行既有农业银行、建设银行、交通银行等国有大行，也有城商行、农商行和地方农信社，如吉林银行、兰州农商行、四川农信系统等，涵盖 住宅、商办等多种房产。 以邮储银行为例，搜狐财经发现其多个分行，多次在官方公众号发布法拍资讯，如江西分行的法拍项目，涉及赣州、南昌、上饶等城市，标题基本为"优质 法拍房产+银行直供"；安徽分行法拍资讯已发布至第八期，标题均为"法院监管+银行直供"。 京东资产平台数据显示，自2025年以来，农业银行挂牌直售的房产标的超640个；兰州银行接近1800个，相比2024年增长 57%；吉林银行超2000个，天津银 行超1220个。 地方农信系统，房产直售规模更大。据媒体不完全统计，在京东、阿里资产交易平台上，2024年上半年以来，四川农信系统挂牌标的超2.4万个，辽宁农信 1.1万个，广东农信1.2万个。 比传统法拍房风险小 此外，由于法拍房在清退上存在疑虑，部分潜在参与者也担心背后 ...

Core Viewpoint - The banking sector is transitioning from being merely a provider of credit to becoming a significant player in the real estate market, actively selling properties to manage non-performing assets and improve recovery rates [1][3]. Group 1: Reasons for Banks Selling Properties - The properties sold by banks are primarily assets recovered from borrowers who defaulted on loans, which have become liabilities due to rising mortgage default rates in certain regions [3]. - Traditional methods of asset disposal, such as judicial auctions, have proven ineffective, with high rates of unsold properties and lengthy processing times, prompting banks to adopt direct sales through online platforms [3][4]. Group 2: Market Dynamics of Direct Sales - Smaller banks, particularly those in the agricultural credit system and local city commercial banks, are leading in the number of properties listed for sale, with significant listings from institutions like Sichuan Agricultural Credit and Guangdong Agricultural Credit [5]. - There is a stark contrast in sales performance based on property location, with some areas experiencing low demand while others, particularly in prime locations, see high interest due to competitive pricing [5]. Group 3: Banking Strategy and Market Implications - The direct sale of properties represents a shift in banking strategy from passive asset management to active asset optimization, aiming to mitigate risks, enhance efficiency, and improve capital allocation [6]. - The focus on core location properties reflects a broader market strategy where banks seek to identify opportunities in a differentiated market, while developers are encouraged to enhance value through improved product and service offerings [6]. - The current phase of risk resolution in the real estate sector is viewed as a necessary step towards a more sustainable economic model, moving away from reliance on land finance [6].

Core Viewpoint - The article discusses the increasing trend of banks directly selling real estate properties that are primarily collateral for non-performing loans, highlighting the shift in asset recovery strategies in the current market environment [2][3]. Group 1: Direct Sale of Properties - Lanzhou Rural Commercial Bank has listed nearly 200 properties for auction on JD Asset Platform, with prices ranging from tens of thousands to billions, primarily consisting of debt collateral properties [2]. - Other banks, including Agricultural Bank, Construction Bank, and various city commercial banks, are also engaging in direct property sales, with smaller banks showing larger volumes [2][6]. - The properties listed are often the result of banks separating non-performing loans from the underlying real estate, allowing for clearer ownership and facilitating debt recovery through sales [2][3]. Group 2: Market Dynamics and Trends - The difficulty in disposing of non-performing loans has led banks to establish dedicated departments for managing these assets, seeking both recovery and investment opportunities in the market [3]. - The number of properties listed for direct sale has significantly increased, with Lanzhou Bank listing 1,130 properties in 2024 and 1,779 in 2025, indicating a growing trend in asset liquidation [5][6]. - The scale of property sales by rural credit cooperatives is notably larger compared to larger state-owned and joint-stock banks, with significant listings reported from various provinces [7]. Group 3: Pricing and Market Reception - Properties listed by banks often have lower starting prices compared to market rates, making them attractive to buyers, although the transaction rates can be low due to multiple rounds of bidding and price reductions [14][15]. - For example, properties in the Yucai Yipin community are priced at an average of 2,300 yuan per square meter, significantly lower than the market price of 3,300 to 4,600 yuan per square meter [14]. - Despite the competitive pricing, the transaction success rate for certain properties remains low, indicating challenges in market acceptance and buyer awareness [12][15]. Group 4: Risk and Buyer Considerations - Direct sales of bank properties are perceived to carry lower risks compared to judicial auctions, as banks have established risk management systems that filter out most issues related to ownership disputes [15]. - The article suggests that banks should enhance collaboration with local real estate agencies to improve visibility and attract potential buyers, especially in lower-tier cities where awareness of these listings is limited [16].

Core Viewpoint - Lanzhou Rural Commercial Bank is auctioning nearly 200 properties on JD Asset Platform, primarily as debt recovery assets, with prices ranging from tens of thousands to billions [2][4] Group 1: Property Sales Overview - The properties for sale include residential, commercial, and office spaces, with 9 properties starting at over 100 million yuan, the highest being a commercial property in Tianshui priced at 550 million yuan [4] - Among the 200 properties, 156 are located in the Yucai Yipin community in Liaoning, with starting prices below 200,000 yuan, and the lowest starting at around 80,000 yuan [4] - The bank has a total of 720 properties listed, with 630 newly listed in 2025, including over 140 residential units and 180 shops in Hainan [4][5] Group 2: Bad Debt Recovery - Properties sold by banks are primarily collateral for loans that borrowers failed to repay, leading to bad debts [3][7] - The current market environment makes it challenging to recover bad debts, with high discount rates and low recovery rates [3] - Banks have established departments for bad asset disposal to manage existing bad debts and seek investment opportunities in the market [3][6] Group 3: Market Dynamics - The sale of bank-owned properties is more prevalent among city commercial banks, rural commercial banks, and rural credit cooperatives compared to larger banks [2][5] - The number of properties listed for sale by various banks shows significant variation, with rural credit cooperatives leading in volume [5][6] - The traditional methods of disposing of bad debts include selling the debt or judicial auctions, but direct property sales can maximize recovery rates [6][8] Group 4: Property Pricing and Market Appeal - The pricing of bank-owned properties is often lower than market rates, making them attractive to buyers, as seen in the Yucai Yipin community where prices are significantly below market value [10][11] - Despite competitive pricing, the transaction rates for these properties are generally low, with some properties experiencing multiple failed auctions [9][11] - The appeal of certain property types, such as commercial spaces in busy areas and independent office buildings, tends to be higher due to stable rental yields [9][12] Group 5: Challenges and Recommendations - There exists an information gap between banks and potential buyers, particularly in lower-tier cities, which hinders effective sales [12] - Banks are encouraged to collaborate with local real estate agencies to improve visibility and attract buyers to their direct sales [12]