Over a Dozen Banks Successively List and Transfer Non-Performing Assets

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Since March, more than ten banks, including Bank of China, China Construction Bank, Postal Savings Bank, Ping An Bank, Ningbo Bank, and Zhongyuan Bank, have listed non-performing asset packages. In terms of disposal scale, the total principal and interest of non-performing loans proposed for transfer by several banks have reached billions of yuan.

Data from the Credit Asset Registration and Circulation Center of the banking industry shows that both large state-owned banks and small- and medium-sized banks have joined this batch disposal of non-performing assets, with overall efforts continuously increasing.

On March 11, China Construction Bank announced 10 transfers of non-performing loans, involving multiple branches such as Zhejiang Province Branch, Henan Province Branch, and Jiangsu Province Branch. Among them, the Zhejiang Branch’s third phase of personal non-performing assets has a total principal and interest of 276 million yuan, with individual transfer amounts of 33 million, 94 million, and 149 million yuan.

On March 13, China Construction Bank launched another batch transfer of non-performing assets. The targets mainly involve personal consumer loans and personal business loans, covering multiple branches, with total principal and interest amounts of 59 million, 86 million, 145 million, 127 million, 22 million, and 106 million yuan respectively.

Small- and medium-sized banks also issued related announcements. Ningbo Bank plans to transfer personal consumer loan non-performing projects with a total principal and interest of 278 million yuan, with an average overdue period of 245 days; Huaxia Bank Beijing Branch announced that the amount of personal consumer loan claims to be transferred in bulk reaches 824 million yuan, with an average overdue period of 613 days.

Gao Zhengyang, a special researcher at the Shanghai Finance and Law Research Institute, told Securities Daily that personal consumer loans and personal business loans have become the core categories for this concentrated disposal because, over the past few years, retail credit has rapidly expanded, making personal consumption and business loans key drivers of bank growth, with loan balances continuously increasing. Additionally, these loans are mostly credit-based, lacking collateral to mitigate risks.

Gao Zhengyang said that the banks’ intensive listing and transfer of non-performing asset packages are a proactive effort to strengthen asset quality management and accelerate risk clearance. On one hand, the rapid expansion of personal consumption and business loan scales in previous years has led to an increase in non-performing rates, prompting banks to intensify cleanup efforts. On the other hand, regulatory authorities continue to push banks to improve the efficiency of non-performing asset disposal, with policy support opening channels for centralized disposal—such as extending non-performing loan transfer pilot programs until the end of 2026 and temporarily waiving listing service fees, effectively reducing disposal costs for banks.

From an impact perspective, Gao Zhengyang believes that for banks, transferring non-performing assets through market mechanisms can accelerate risk clearance, improve asset quality indicators, reduce non-performing loan ratios and provisioning pressures, and enhance balance sheet stability. It can also reduce capital occupation and free up credit resources to support more dynamic sectors. From the overall financial system perspective, having professional institutions acquire and dispose of non-performing assets can improve industry-wide disposal efficiency and promote the development of a more complete non-performing asset market ecosystem.

Yang Haiping, a researcher at the Shanghai Finance and Law Research Institute, predicts that non-performing asset disposal will become a normalized operation in the banking industry. On one hand, personal consumption and business loans are expected to continue growing rapidly; on the other hand, regulatory requirements for non-performing loans are becoming more stringent.

Gao Zhengyang further states that, looking at industry development trends, non-performing asset disposal is expected to gradually become routine. As the pilot policies for transferring non-performing loans become long-term and transfer mechanisms mature, such transfers will become a regular liquidity management tool for banks. In the future, banks may shift from ad hoc disposal modes to more steady, normalized supply patterns; the composition of non-performing asset packages will diversify, and disposal methods will upgrade technologically. Pricing mechanisms built on big data will become more refined and precise, continuously improving industry disposal efficiency.

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