不良资产加速 “甩卖” 背后：资产质量与盈利压力下中小银行谋求主动优化

As we enter the fourth quarter, multiple banks are accelerating the clearance of high-capital-occupying and low-liquidity non-performing asset "burdens," with billion-yuan scale debt asset transfers frequently occurring. For example, CBHB plans to list approximately 70 billion yuan of debt assets for transfer. Guangzhou Rural Commercial Bank also announced that it will transfer a loan asset package with a base price exceeding 12 billion yuan. Meanwhile, since October, the China Banking Asset Management Association's website has disclosed 25 announcements regarding non-performing loan transfers, with transfer entities including state-owned large banks, joint-stock banks, local small and medium-sized banks, and consumer finance companies. Industry insiders indicate that many small and medium-sized banks are currently facing issues such as asset quality pressure, declining capital adequacy ratios, and weakened profitability. In the future, the non-performing asset disposal market has enormous potential, and small and medium-sized banks should actively explore diversified and specialized asset disposal models while strengthening the construction of "full-cycle, proactive, and ecological" non-performing asset value management capabilities