民生银行信用卡“断臂”268亿:3.68%不良率碾压行业,能否靠场景化“回血”?

东西财经
Nov 20, 2025

“11月14日,民生银行信用卡中心通过银行业信贷资产登记流转中心挂牌两则不良资产转让公告,拟打包出让合计268.39亿元的信用卡不良债权,涵盖超67万户债务人、近68万笔信贷资产,目的在于加速风险出清、缓解信用卡业务长期积累的不良压力。”此次转让的资产包均为“损失类”信用贷款,其中一期资产包的借款人加权平均逾期天数超5年,最长逾期或达8年,回收难度显著,而公告中明确的“禁转售、限催收”等严苛条款,...

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