{"code":0,"message":"","data":{"typeDesc":"资讯文章","releaseTime":"2026-06-12T10:17:39","createPsn":"陈小泉","firstColumnCode":"JR","collectFlag":0,"source":"经理人融媒体中心 ","title":"邮储银行山东分行两批个贷不良资产包合计超 3 亿元 加速出清小额坏账","type":"ZX","likesFlag":0,"collectAmount":0,"content":"<p style=\"text-align: center;\"><img src=\"https://www.sino-manager.com/admin/manager/open/file/download/8da25608-aeac-4994-ae23-c06468958c62.png\" alt=\"\" data-href=\"\" style=\"\"></p><p style=\"text-align: justify;\">邮储银行山东省分行近期挂牌出让第二批个人不良贷款资产包，结合 3 月首轮转让项目，<strong>两批信用类个人不良债权总规模突破 3 亿元</strong>，成为当地银行批量处置小额个贷坏账的代表性案例。</p><p style=\"text-align: justify;\"><img src=\"https://www.sino-manager.com/admin/manager/open/file/download/30158e02-57bd-46f6-afd9-c8c72d0add47.png\" alt=\"\" data-href=\"\" style=\"\"></p><p><br></p><p style=\"text-align: justify;\">此次 6 月挂牌的资产包账面债权总额 1.71 亿元，涉及 979 名借款人、1451 笔信用贷款，资产分类均为损失类。其中未偿还本金 1.30 亿元，利息 4126.01 万元，各类杂费 163.03 万元，单户平均本金 13.28 万元。</p><p style=\"text-align: justify;\"><img src=\"https://www.sino-manager.com/admin/manager/open/file/download/51d6d124-43d9-4449-9273-b140cbaa450f.png\" alt=\"\" data-href=\"\" style=\"\"></p><p style=\"text-align: justify;\">该批资产全部为个人消费贷、个人经营贷两类信用贷款，加权平均逾期时长达 1148 天，借款人群平均年龄 49 岁。司法处置方面，资产司法流程推进充分，仅 91 笔债权未启动起诉程序，其余分别处于执行中、已判未执行、终本、终结执行等阶段，处置法律基础扎实。</p><p style=\"text-align: justify;\">据该行推介信息，本资产包具备明显处置优势：单户欠款额度低、可触达客户占比高，超七成欠款主体能够正常联系，后续催收及清收难度相对较低。此番连续批量转让不良资产，也是银行加快不良资产出清、优化资产质量的常规运作方式。</p>","downloadAmount":0,"filePageAmount":0,"releaseDateStr":"2026-06-12 10:17:39","fileUrl":"","readAmount":0,"columnCode":"JRSC","id":19093,"keyword":"","likesAmount":0,"statusDesc":"已上架","createPsnId":21,"firstColumnName":"金融","updateTime":"2026-06-12 10:22:58","coverImgUrl":"https://www.sino-manager.com/admin/manager/open/file/download/41764200-0f84-4d6f-a6a2-f6c9282e9c92.png","isExistFile":0,"createTime":"2026-06-12 10:22:58","authorName":"","isTop":0,"simpleContent":"<p>邮储银行山东省分行近期挂牌出让第二批个人不良贷款资产包，结合 3 月首轮转让项目，两批信用类个人不良债权总规模突破 3 亿元，成为当地银行批量处置小额个贷坏账的代表性案例。</p>","contentLength":0,"status":1,"columnName":"银行"}}