Recently, the General Office of the Bank of China Insurance Regulatory Commission issued the Notice on Launching the Pilot Work of Non-performing Loan Transfer (hereinafter referred to as the Notice). According to the notice, the non-performing loans in this pilot project include: single-family non-performing loans and individual batch non-performing loans. Banks can transfer a corporate non-performing loan and a personal non-performing loan to financial asset management companies (AMC) and local asset management companies in batches. Local asset management companies can accept the non-performing loans of single-family banks in this province (autonomous regions and municipalities directly under the Central Government), and the acceptance of individual non-performing loans in batches is not subject to geographical restrictions.
It is worth noting that personal loans include personal consumption credit loans, credit card overdrafts and personal business credit loans, while housing mortgage loans and automobile consumption loans are excluded from the non-performing loan pilot.
It is understood that the bank's personal non-performing loans have not been allowed to be transferred to asset management companies in batches before, so it is difficult to make statements, which makes the bank bear huge personal non-performing loan risks. Now, the supervision breaks the convention and allows banks to transfer personal non-performing loans, mainly to reduce the incidence of non-performing loans of banks and solve the difficulties of overdue loans of banks.
So what is the level of bank overdue?
Statistics over the years show that the total outstanding credit of credit cards in 20 10 was 7.686 billion yuan, which has increased nearly 12 times in the third quarter of 2020, reaching 919.1600 million yuan, and the number of credit cards held per capita has also increased from 0. 17.
If we only look at the overdue data, we can find that from 20 10 to 20 18, the total outstanding credit for half a year has been on the rise. Although this data decreased in 20 19, it rebounded sharply in 2020. In the first quarter of 2020, the total outstanding credit of national credit cards overdue for half a year was 9 1.875 million, an increase of 1.7609 million compared with the end of last year, and an increase of 23.71%from the previous month, which was greatly different from the increase of 882 million in the first quarter of 20 1.09.
In fact, the overdue pressure of the bank's epidemic has a lot to do with the epidemic. Since the outbreak of the epidemic in early 2020, major banks have been facing great adverse pressure after early warning. Many people in the industry also said that the epidemic has caused the global economy to continue to slump, and the risk of personal loans may last for a long time.
Nowadays, it is embarrassing to see banks turn to three-party AMC. As a traditional licensed financial institution, banks have a perfect risk control audit mechanism and post-loan collection system, but it is difficult to solve the problem of soaring overdue rate and cannot bear the consequences of overdue credit. I still remember that P2P has negotiated with AMC for many times on the non-performing assets of online loans. Therefore, there are few platforms for successful implementation. Even if AMC is willing to buy creditor's rights, the transfer price is not considerable.
After all, banks are always "lucky". They are all lenders/investors. Backed by the big tree, the risk of the bank can be transferred, but the lender can only stare at the platform and wait for his principal ... Now, what other platforms can break the overdue situation?