2025年11月，消费金融行业不良资产处置驶入"快车道"，迎来活跃窗口期。记者从银行业信贷资产登记 流转中心（以下简称"银登中心"）获悉，本月以来，有头部机构今年首次登陆该平台挂牌个人消费贷款 不良资产包。与此同时，杭银消金、南银法巴消金、重庆蚂蚁消金、兴业消金、中信消金、中银消金等 多家机构也密集跟进，形成"头部引领、中小突围"的处置热潮。 据记者不完全统计，截至目前，11月消费金融行业挂牌处置的个人消费贷款不良资产规模已突破100亿 元。值得注意的是，随着监管政策优化与市场逻辑演变，"未诉即卖"模式正成为行业新趋势。交易平台 规则同步升级，银登中心对停止披露不良资产包起始价的调整引发市场热议。 行业不良处置潮起 11月挂牌规模破百亿 11月24日，兴业消金发布2025年第23-30期个人不良贷款（个人消费贷款）批量转让项目招商公告，拟 转让不良贷款合计62448笔，涉及债权本金额共计51.88亿元，加权平均逾期天数832天，债权金额88.62 亿元。 11月21日，中银消金发布2025年第77-80期个人不良贷款（个人消费贷款）批量转让项目招商公告，拟 转让不良贷款合计借款人户数5.3万户，涉及未偿本金总 ...

Core Viewpoint - The Guangdong financial regulatory authority is actively implementing measures to boost consumer spending and expand domestic demand through financial support, as outlined in the "Guangdong Province Special Action Plan to Boost Consumption" and the "Guangdong Financial Support for Consumption Expansion Plan" [2][3]. Group 1: Financial Measures to Boost Consumption - The Guangdong financial regulatory authority has introduced 26 specific measures to enhance consumer finance, including increasing personal consumption loans, implementing differentiated credit policies, and optimizing credit card services [4][5]. - As of May 2025, the total balance of credit cards, auto loans, and other comprehensive consumer loans in the region exceeded 1.3 trillion yuan, with auto loans alone surpassing 600 billion yuan, reflecting a year-on-year growth of 3.35% [4][5]. Group 2: Risk Management and Consumer Protection - The regulatory authority emphasizes the importance of balancing encouragement of reasonable consumption with the prevention of excessive debt, by enhancing risk management and consumer education [5][6]. - Initiatives include improving policy frameworks, strengthening risk assessment and monitoring, and promoting consumer rights protection through education and complaint resolution mechanisms [5][6]. Group 3: Financial Education and Awareness - The Guangdong financial regulatory authority is increasing financial education efforts to enhance consumer awareness and risk prevention, reaching over 30 million people through various campaigns [6][7]. - The authority has developed multilingual educational materials and conducted outreach activities to help consumers identify and avoid financial scams [7][9]. Group 4: Governance of Financial "Black and Grey Industries" - The regulatory authority is implementing targeted governance strategies to combat financial "black and grey industries," utilizing a collaborative approach with multiple departments and leveraging technology for monitoring [8][10]. - Efforts include establishing standards for industry practices, enhancing information disclosure, and promoting a safer financial environment [8][10].