Financial institutions are in the process of transferring nearly 9 billion RMB worth of non-performing assets.

At the beginning of 2026, in the context of the policy of "pilot batch transfer of personal non-performing loans" being granted a one-year extension, the Bank Credit Asset Registration and Circulation Center has seen a surge in institutional listings. According to incomplete statistics by 21st Century Business Herald reporters, since January 2026, companies such as Zhaolian, Zhongyin, Mashang, and many banks have collectively posted 35 announcements for the transfer of non-performing loans, involving a total principal amount of over 13.2 billion yuan. Among them, the scale of listings by consumer finance companies accounts for nearly 70%, becoming the main supply side of the market. At the same time, the interest rate landscape in the consumer loan market is also continuously adjusting. Recently, the national subsidy policy for personal consumer loans has been strengthened, pushing the actual industry interest rates below 2 digits; in January 2026, the annualized interest rates of many banks' consumer loan products have generally remained around 3%. While the interest rates on consumer loans from financial institutions have typically fluctuated between 10% and 24% annually, under the influence of regulatory policies pushing industry interest rates downwards, some institutions have proactively lowered their rates to below 20%.