Reconstruction of the logic of non-performing loan disposal: Farewell to "stubborn" collection and start the "sprint" mode.

Recently, a personal non-performing loan transfer notice posted on the official website of the YinDeng Center caught the attention of journalists. The average weighted overdue days of the non-performing loans in this transfer project is only 211.63 days. Compared to industry norms, most non-performing asset projects entering the transfer process have overdue days exceeding 1000 days, with some overdue accounts even over 6 years. Further investigation by journalists revealed that this year, there has been an increase in non-performing assets entering the transfer process with overdue periods of less than 1 year. Various reasons such as speeding up the disposal of non-performing assets, saving collection costs, and activating credit resources are pushing loan institutions to accelerate the disposal pace of personal non-performing assets. Industry insiders believe that the acceleration of non-performing asset transfers is driven by banks' reconsideration of risk disposal efficiency and costs, promoting the professionalization and rationalization of the risk disposal industry.