Port communicationThe rate of non-performing assets in China is on the rise，The deployment of non-performing assets by many companies and the disposal of non-performing assets is actually a general concept.，It generally refers to the bad debt account in accounting accounts。Including but not limited to banks’ non-performing assets，government non-performing assets，Non-performing assets of enterprises, etc.。Financial companies are the source of non-performing assets。 Bank non-performing loans announced by the China Banking Regulatory Commission as of the end of the first quarter of 2025 will be 1.58 trillion，The defective rate is 1.74%。
A look at the world of non-performing assets in the past 10 years，Because of the policy impact of collecting 4 trillion yuan in 2008，11The balance of non-performing loans in 2017 was the lowest in the past 10 years，Reaching nearly 400 billion。The core of disposal of non-performing assets can be divided into restructuring disposal and liquidation disposal. 。Among them, collection and disposal，According to the form of disposal, it can be divided into：Agreement transfer、Tender、Collection、auction、Transfer, etc.。
Where the auction is through a court ruling，A way to transfer debt into property rights，It is a common way to avoid debt disputes。 As a "barometer" for the operation of the real economy，The asset quality of my country's banking industry has always been a core issue that has attracted much attention。The 2025 semi-annual reports released by listed banks show，The asset quality of my country's commercial banks is stable and improving. The trend has not changed.，The non-performing loan ratio of some banks has declined compared with the end of 2025。
in our opinion，The overall pressure on bad institutions in the banking system is now controllable，This will start from the second quarter of 2025，Bank non-performing loan ratios announced by the China Banking Regulatory Commission have been confirmed to be stable and declining.。But behind the stable and improving total volume，There is a problem of structural differentiation - small and medium-sized banks have limited improvement，There is even a tendency to worsen，Big banks performed better，It is the main driving force for the overall decline in NPLs.。
At this stage，China's non-performing assets have entered the era of stock，in rapid development stage。Whether it is at the policy level，Let’s look at market information feedback，The entire non-performing asset industry is in a state of "blowout"。From the perspective of the overall environment，Since 2013, my country’s economy has been in a period of severe downward pressure.，As supply-side structural reforms continue to deepen and the effects of strong financial regulatory policies are released,，The scale of non-performing assets will continue to increase for some time。
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