202 1 1, China Banking Regulatory Commission and China issued the Notice on Carrying out the Pilot Work of Non-performing Loans Transfer, which officially started the pilot work of selling non-performing loans to companies and transferring non-performing loans to individuals in batches, and classified personal consumption loans, credit card overdrafts and personal business loans into non-performing categories. ?
1. ICBC and Ping An Bank took the lead in transferring ICBC's five loans for revolution. The principal and interest of non-performing loans was 639 million yuan, including two single-family non-performing loan transfer businesses, and the basic assets came from Zhejiang and Sichuan respectively. 3. Bulk transfer of personal non-performing loans. The basic assets include personal consumption credit loans and credit card overdraft business.
Ping An Bank publicly transferred 1 personal non-performing loans in batches, with the principal and interest amount of17.73 million yuan, and the basic assets were personal business credit loans.
Second, the turntable is concerned by the market. After the announcement of the first batch of pilot business transfer after several rounds of bidding, it has been widely concerned by the market. After listing, the number of transferees who applied for bidding has reached 16, covering all national financial asset management companies or their provincial branches, as well as five local asset management companies. A maximum of 9 transferees bid for the same single business, with a maximum of 44 bidding rounds. ?
Guohou Assets successfully won the ICBC 1 individual non-performing loan batch transfer package, which consists of 4 1 household, with outstanding principal148.94 million yuan and outstanding principal and interest of 26.3762 million yuan. This is the first batch of personal non-performing loans transfer since the implementation of the pilot work, and it is also the largest single transfer.
The transfer of non-performing loans is not much different from the traditional transfer process, bidding method and transaction form. ? Xu Xiaodan, deputy general manager of Zhejiang Jin Yue Asset Management Co., Ltd. mentioned that due to the small amount of personal non-performing loan assets and relatively small capital occupation, it may be more attractive to private or mixed local asset management companies.
The meaning of the transfer of non-performing assets is 1. From the bank's point of view, this is conducive to broadening the channels for the disposal of personal non-performing assets;
2. From the perspective of asset companies, in the case that the shipment of non-performing assets of banks is declining, it is also possible to broaden the channels for asset companies to acquire non-performing assets.
However, it is difficult to judge the disposal effect and yield after the pilot.
Liang Si, a researcher at China Bank Research Institute, believes that the transfer of personal non-performing assets? Break the deadlock? It means a lot.
On the one hand, it means that the speed of disposing of non-performing assets by market means is accelerating, which will further improve the efficiency of disposing of non-performing assets, improve the asset quality of commercial banks and maintain the stability of the financial system.
On the other hand, the diversification of non-performing assets disposal channels will help to tap more market forces to participate in the management and disposal of non-performing assets, complement the normal operation of the market, and help to improve the professional level of financial services.
Liang Si said that after the first single business landed, it will bring some reference experience for the pricing of personal non-performing assets and the revitalization after the transfer, laying the foundation for the establishment of subsequent pricing curve and liquidity management.