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2018胡润全球富豪榜_那些不容错过的精彩
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2018胡润全球富豪榜_那些不容错过的精彩

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贵港市(桂平市、覃塘区、港南区、平南县、港北区)  周口市(项城市、扶沟县、淮阳区、郸城县、太康县、西华县、鹿邑县、川汇区、商水县、沈丘县)








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河池市(罗城仫佬族自治县、金城江区、都安瑶族自治县、巴马瑶族自治县、天峨县、东兰县、环江毛南族自治县、凤山县、大化瑶族自治县、宜州区、南丹县)  天津市(滨海新区、津南区、和平区、河北区、宁河区、静海区、河西区、北辰区、东丽区、河东区、宝坻区、南开区、蓟州区、红桥区、武清区、西青区)








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林芝市(米林市、波密县、墨脱县、巴宜区、朗县、察隅县、工布江达县)








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2018胡润全球富豪榜_那些不容错过的精彩各观看免费《今日汇总》《今日发布》
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中卫市(中宁县、沙坡头区、海原县)








庆阳市(宁县、环县、庆城县、合水县、镇原县、华池县、正宁县、西峰区)








常州市(溧阳市、武进区、金坛区、新北区、天宁区、钟楼区)  吉安市(吉水县、吉州区、峡江县、泰和县、青原区、吉安县、遂川县、永新县、永丰县、新干县、井冈山市、安福县、万安县)








临沂市(沂南县、沂水县、罗庄区、郯城县、河东区、平邑县、费县、莒南县、蒙阴县、兰陵县、兰山区、临沭县)








马鞍山市(雨山区、花山区、含山县、博望区、当涂县、和县)








大庆市(让胡路区、林甸县、肇州县、杜尔伯特蒙古族自治县、萨尔图区、大同区、红岗区、肇源县、龙凤区)沧州市(河间市、新华区、东光县、孟村回族自治县、海兴县、泊头市、运河区、盐山县、沧县、黄骅市、任丘市、肃宁县、献县、吴桥县、青县、南皮县)








漯河市(舞阳县、郾城区、召陵区、临颍县、源汇区)  克拉玛依市(乌尔禾区、独山子区、白碱滩区、克拉玛依区)








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  本报记者 李 冰

  日前,银行业信贷资产登记流转中心(以下简称“银登中心”)官网信息显示,招联消费金融股份有限公司(以下简称“招联消费金融”)连发两则不良资产转让公告,分别为《关于2025年第6期个人不良贷款(个人消费贷款)转让项目转让公告》《关于2025年第7期个人不良贷款(个人消费贷款)转让项目转让公告》。

  《证券日报》记者梳理发现,年内已有10家持牌消费金融公司“甩卖”不良资产。综合来看,消费金融公司正加大不良资产处置力度,呈现“量大价低”的特点,部分转让价低至1折。

  加速出清不良资产

  具体来看,招联消费金融2025年第6期个人不良贷款(个人消费贷款)转让项目涉及转让资产笔数318162笔,借款人户数为56750户,加权平均逾期天数1072.73天,未偿本息总额6.78亿元;该公司2025年第7期个人不良贷款(个人消费贷款)转让项目涉及转让资产笔数464693笔,借款人户数为78139户,加权平均逾期天数1269.72天,未偿本息总额10.69亿元。

  记者注意到,4月份已有多家消费金融公司“甩卖”不良资产。比如,4月1日,河北幸福消费金融股份有限公司发布《关于2025年第2期个人不良贷款(个人消费贷款)转让项目转让公告》;4月7日,南银法巴消费金融有限公司2025年第2期个人不良贷款(个人消费贷款)转让项目涉及转让资产笔数17496笔;4月9日,厦门金美信消费金融有限责任公司2025年第1期个人不良贷款(个人消费贷款)转让项目涉及未偿本金总额1.3亿元。

  对于消费金融公司加速不良资产出清的原因。中国银行研究院研究员叶银丹对《证券日报》记者表示,不良资产的增加不仅影响公司的盈利能力,还可能影响股东信心和投资者的评价。同时,《互联网金融贷后催收业务指引》的发布对消费金融公司的催收活动提出了更严格的要求,增加了催收成本,部分消费金融公司选择批量转让不良资产,可以提高处置效率,严控风险管理,加强消费者权益保护等,以上因素均促使消费金融公司加速不良资产的出清。

  “消费金融公司加速不良资产出清的主要原因在于,通过出清不良资产可以提升资产质量,降低风险,减少不良资产对资本金的占用,从而提高资金使用效率和服务客户的能力,更好地满足监管对不良资产的要求。”中国邮政储蓄银行研究员娄飞鹏对《证券日报》记者表示。

  转让价格普遍较低

  整体来看,今年以来,持牌消费金融公司继续加速出清不良资产,包括捷信消费金融有限公司、中信消费金融有限公司、湖北消费金融股份有限公司、南银法巴消费金融有限公司、重庆蚂蚁消费金融有限公司、兴业消费金融股份公司、招联消费金融股份有限公司、中银消费金融有限公司、河北幸福消费金融股份有限公司、厦门金美信消费金融有限责任公司等均有所行动。

  同时,多家消费金融公司年度首次公告不良贷款转让。例如,2月5日,重庆蚂蚁消费金融有限公司发布2025年第1期不良贷款转让公告,未偿本息总额达5.81亿元,涉及39432户借款人。

  综合看,消费金融公司挂牌转让的不良资产价格普遍较低,部分项目的起拍价不到账面价值的1折。例如,捷信消费金融发布2025年第1期个人不良贷款转让项目公告,项目竞价起始价为2150万元,约为未偿本息总额的0.3折。

  娄飞鹏认为:“消费金融公司贷款中信用贷款占比较高,单户或者单笔金额往往较小,其客户更加下沉,增加了不良资产买方后续回收的不确定性,提高了买方的处置成本,这或是消费金融不良资产转让价格普遍较低的原因。”

  同时,多位受访者预计未来一段时间内,消费金融公司不良贷款转让的动作仍将持续。叶银丹认为:“由于不良贷款规模的上升和监管的逐步明确,预计未来一段时间内,消费金融公司不良贷款转让的动作将趋于常态化。未来发展突围的关键在于消费金融公司如何在市场环境变化中提升资产质量和风险管理能力,确保不良贷款问题得到有效控制。”

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