[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"industry-news-detail-100165":3,"share-code-\u002Findustry\u002Fnews\u002F100165":16},{"id":4,"news_type":5,"title":6,"main_img":7,"summary":8,"release_time":9,"news_type_name":10,"view_num_obj":11,"content":14,"item_list":15},100165,"notice","六大行半年\"清淤\"超2000亿，401家银行\"消失\"： 出表正在加速","https:\u002F\u002Fres.debtop.com\u002Fmanage\u002Flive\u002Fvideo\u002F202609\u002F08\u002F20260908113302dbccae2a90654ed5.jpg","这是《不良资产半年账本》系列第02篇（上篇·银行卖方侧）。第01篇我们拆了一单2.56亿的AMC处置案例；这一篇把镜头拉到全行业——半年2000亿的出表规模、401家消失的中小银行、1275则转让公告，用数据讲清楚\"银行为什么急着卖\"。","2026-09-14 15:55","公告",{"num":12,"unit":13},63,"","\u003Cp>\u003Cstrong style=\"color: rgb(0, 102, 204);\">「不良资产半年账本」系列 · 第02篇\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"color: rgb(15, 17, 21);\">\u003Cimg src=\"https:\u002F\u002Fres.debtop.com\u002Fmanage\u002Flive\u002Fvideo\u002F202608\u002F31\u002F20260831153018016a549ed47b4648.jpg\">\u003C\u002Fspan>\u003C\u002Fp>\u003Ch2>一、2000亿：半年被\"清\"掉的不良，去了哪里\u003C\u002Fh2>\u003Cp>先看一组\u003Cstrong>智收云平台\u003C\u002Fstrong>收录的宏观数据。\u003C\u002Fp>\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.debtop.com\u002Fcount\u002Fprimary-market?date_range=month6\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cimg src=\"https:\u002F\u002Fres.debtop.com\u002Fmanage\u002Flive\u002Fvideo\u002F202609\u002F14\u002F20260914154122fff62936b4074b37.png\">\u003C\u002Fa>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"color: rgb(0, 102, 204);\">2026年上半年，六大国有银行合计核销及转出不良资产超过\u003C\u002Fstrong>\u003Cstrong style=\"color: rgb(192, 57, 43);\">2000亿元\u003C\u002Fstrong>。这是什么概念？相当于每周从六大行的资产负债表上\"清\"掉约77亿元不良——工作日每天超过15亿元。\u003C\u002Fp>\u003Cp>与此同时，监管层面向8家金融央企宣布合计增资\u003Cstrong style=\"color: rgb(192, 57, 43);\">3600亿元\u003C\u002Fstrong>，补充核心一级资本。\u003C\u002Fp>\u003Cp>一个在\"出\"，一个在\"补\"——这组一进一出的动作，勾勒出2026年银行业的主线叙事：\u003Cstrong style=\"color: rgb(192, 57, 43);\">存量出清+资本补强，同步推进。\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"color: rgb(0, 102, 204);\">需要说明的是，\"核销\"和\"转出\"是两条不同的路径：核销是用利润直接冲销损失（账面消失，债权仍在，只是不再计息）；转出则是把债权打包卖给AMC或在银登中心挂牌转让（资产离表，回收多少算多少）。两条路径加总超过2000亿，才是\"清淤\"的完整含义。\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"color: rgb(93, 78, 30); background-color: rgb(253, 246, 227);\">注：2000亿为六大行核销及转出的合计口径，媒体报道的统计明细未逐行披露完整数据，各行具体数字以中报为准，部分行数据待核实。\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>二、工行819亿居首：六大行各自的账本\u003C\u002Fh2>\u003Cp>在六大行里，工商银行以约\u003Cstrong style=\"color: rgb(192, 57, 43);\">819亿元\u003C\u002Fstrong>的处置规模居首——一家银行的\"清淤\"量，占了六大行合计的四成左右。\u003C\u002Fp>\u003Cp>为什么工行冲在最前面？三个原因：\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"color: rgb(31, 78, 121);\">第一，盘子最大。\u003C\u002Fstrong>工行是宇宙行，资产规模最大，对应的不良生成基数也最大。处置规模与资产体量大致成正比。\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"color: rgb(31, 78, 121);\">第二，出表工具最全。\u003C\u002Fstrong>头部银行拥有最完整的处置工具箱：核销、批量转让给AMC、银登中心挂牌、不良资产证券化、个贷批转试点——工具越多，出表越快。\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"color: rgb(31, 78, 121);\">第三，监管导向。\u003C\u002Fstrong>大行在\"做实资产质量\"上的政策要求更严，拨备覆盖率充足的大行有充足利润空间支撑大力度核销。\u003C\u002Fp>\u003Cp>这里要澄清一个常见误解：\u003Cstrong style=\"color: rgb(192, 57, 43);\">出表≠坏账消失。\u003C\u002Fstrong>核销掉的债权，银行仍保留追索权（账销案存）；转让出去的债权，是打折卖给了AMC。所谓\"清淤\"，清的是资产负债表的\"淤\"，不是债务本身的\"账\"——真正的损失确认和回收，发生在AMC的处置环节（这正是第03篇的主题）。\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>三、401家银行\"消失\"：合并解散潮的全景\u003C\u002Fh2>\u003Cp>比2000亿更扎眼的，是另一个数字：\u003Cstrong style=\"color: rgb(192, 57, 43);\">401家\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp>2026年内，已有401家农村商业银行、农村合作银行和村镇银行公告合并或解散，其中村镇银行\u003Cstrong style=\"color: rgb(192, 57, 43);\">251家\u003C\u002Fstrong>，占比62.6%。分省看，甘肃66家、吉林57家、贵州40家、四川34家——中西部省份是这一轮\"减法\"的重心。\u003C\u002Fp>\u003Cp>要强调的是：\u003Cstrong style=\"color: rgb(192, 57, 43);\">\"消失\"不等于\"倒闭\"。\u003C\u002Fstrong>这401家银行中的绝大多数，是被吸收合并进更大的农商行\u002F城商行，储户存款、贷款合同由承接行完整继承，属于\"化解风险\"而非\"爆发风险\"。真正的市场退出（破产清算）案例极少。\u003C\u002Fp>\u003Cp>这轮合并潮的背景是农信社改革化险：\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong style=\"color: rgb(31, 78, 121);\">村镇银行：\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>曾经\"一县多行\"的粗放扩张留下大量小而弱的机构，主发起行制度改革后，\"村改支\"（村镇银行改为主发起行分支机构）成为主流路径，251家村镇银行中多数走的是这条路。\u003C\u002Fli>\u003Cli>\u003Cstrong style=\"color: rgb(31, 78, 121);\">农信社\u002F农商行：\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>多省组建省级农商联合银行或统一法人农商行，把分散的县域法人合并成省级机构——甘肃、吉林、贵州、四川的数字由此而来。\u003C\u002Fli>\u003Cli>\u003Cstrong style=\"color: rgb(31, 78, 121);\">风险化解逻辑：\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>小机构单兵作战抵御风险能力弱，合并后由省级平台统一资本、统一风控，本质是\u003Cstrong style=\"color: rgb(192, 57, 43);\">用规模换安全\u003C\u002Fstrong>。\u003C\u002Fli>\u003C\u002Ful>\u003Cp>对不良资产行业而言，401家合并的另一层含义是：\u003Cstrong style=\"color: rgb(192, 57, 43);\">合并过程中暴露和剥离的不良资产，正在形成新的供给。\u003C\u002Fstrong>被合并机构的存量不良需要清产核资、剥离出表，这是中小银行不良批量入市的直接推手。\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>四、银登中心1275则公告：不良转让的\"菜市场\"\u003C\u002Fh2>\u003Cp>如果说核销是\"暗线\"，银登中心的挂牌数据就是\"明线\"。\u003C\u002Fp>\u003Cp>银登中心（银行业信贷资产登记流转中心）是不良贷款转让试点的官方平台。2026年内的数据：\u003C\u002Fp>\u003Cp>\u003Cimg 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OAoWTnj\u002FvtMz6L\u002FCN1ioCN8AdCRnAilE9y41qP3\u002FfMyO+Ct9ey3N+ZNDh33SGzMcPaHvq6k5stL7DXadefnf6jydQWQAIG+I4CeQWDQyIDOHxuazl2XHN8SEZ9hz2xe\u002Fz9vPZO55ZWd80cNFZu7qfQUtweFpr7+yt4VEfxq0LD7vHmCkFmxE\u002Fn2RdJ4qUBeaO47KPSPbEGR2Ak07BdSUXyBAAiAQG8TsL+sHLl2\u002FcWPX9sTJf6eNppPv\u002F4jR\u002FN1P\u002FrYn\u002F3hblRQl\u002FHxO+\u002FMXpU2Z\u002FN+zSPz\u002FrjhuU+3PDljiHxTvIK\u002F\u002FXr3ewfnLMic\u002FdYp+Qa+QQAEQMAZCAxK3fa\u002F926YmxwX8egw8Xdv5+ULVy9LCrPTd9T4ZY\u002FI78COpo935GZ9y7ch0rH7\u002FAv5uSlmA32jrl\u002F9oCQrw2aPFv70y9Vf6xaa+wZHzNMfVzlKFKANIIAACNhGAKXsRsD+svJy\u002FY2buuF13Dh3RnfBE113Ltc3XVAFm1YCnfuu5uNm5ap1QjqazpbyNklNwaGvz4kkYhAAARBwIgI\u002FZRdL+3VIV+ePF87lvvWHKS\u002FlTnkml5+F\u002FtWCvTXSC\u002FMfVwu27Xjx5NXd6TuzzrC3YntV2cZDP2mqFW\u002FU6z\u002Fm5xzV\u002FETInUsfvCUtymRz7VL9KC7LwQcEQAAE+oKA\u002FWUlOVSrEarx71W73y3MklZDym+96\u002FW79WuAxGKgcxf4sb3t\u002F+jUrzTvkMvrjuEg5HJFzTei5Xp24kbuf+RvlH1AfYEOfYIACFgkgJuCwJenPvjyXMFf8ucsSHv8pcLsk1QV0htXC3bsmLL5i3OH3nnxy6sXvjv14ku5adIf4T\u002Ft3vL6gr2ndu\u002F9gi3vkd+o5777Ou21wo8bTy3NKy\u002F46we5tA0ivScvfyM2mKfxbeZfn+Nv1J\u002FFL\u002FewYviAAAiAQC8RcICsJMfWCOH4Sn7W5+IFSidzeA47ViMtYnV+Ab1SBVO3duby92PanJ2KoscOLhAtp+yYs\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\u002F7wQtWBTAQQAAEQAAFKgL4SL378GgIIgAAIgAAlQF+JJuWvWVlpsrRrZmLUIAACIAACIAACIAACDicAWelwxOgABEAABEDAGgHcBwEQcAcCkJXu8BQxBxAAARAAARAAARDocwKQlX3+CBw5ALQNAiAAAiAAAiAAAr1FALKyt0ijHxAAARAAARAwJoAcEHAjApCVbvQwMRUQAAEQAAEQAAEQ6DsCkJV9xx49O5IA2gYBEAABEAABEOhlApCVvQwc3YEACIAACIAACDAC+LgfAchK93ummBEIgAAIgAAIgAAI9AEByMo+gI4uQcCRBNA2CIAACIAACPQNAcjKvuGOXkEABEAABEAABDyVgNvOG7LSbR8tJgYCIAACIAACIAACvUkAsrI3aaMvEAABRxJA2yAAAiAAAn1KALKyT\u002FGjcxAAARAAARAAARBwFwLWZaW7zBTzAAEQAAEQAAEQAAEQcCAByEoHwkXTIAACINA7BNALCIAACDgDAchKZ3gKGAMIgAAIgAAIgAAIuDwByEoLjxC3QAAEQAAEQAAEQAAEbCUAWWkbqYa9K2OiMk7ZVtg+pTQZMVErCxvVjTXuWx41efleg1x1mXu7ojPN1Jhpgvcek15m5jayQQAE3JxAR2vL9WYWbjvPRDESEAABJyLgYFl5Kn2yCW3U0\u002Fnz1npX26mGWrK723quLFMvRhsLl03WaTI6l56owzptNQmPmxGkGpfxBZOkk82pQ9p1zLJ9Dca1WE7jiSJt0TojOctu9dqHg9Jzo\u002F1SjHp09BoBBFyagBBnLe2d5mfReZsLOIert+aaPWln3zAXDl41GOF\u002Fb6l4ejoN5w5eMbiDSxAAARCgBBwqKxv37S4mJP75RGsqiA7EXoEa22KiqJbtQbCkpYKXPp9ASHXOru4YLKk8Si0Kv1gvGf+CRo8hpLiEt9AYEp9MchbqVCafPhdPusGvKyFEmzdfMZH0soaLFwkJGW2N56liWjduZgxv1TBqrK8jZExIsGG+uA5KLMhOINq8jeZ0pyhmU8yfheLPAG7stC6mNbvytPQ\u002Fm7hYmzpBIRBwKQLtTUezSuOiqTKreHHfDaOhdzSc\u002FC4z8avpD5fO4mVmPXwibtGZgxU39SVP\u002F+138V9ZCtn0\u002F+Gi+KXdc02XfGlfsyhB2m8dP9h22Fw4TWWtJHCvt97qkurgCwRAAATMEXCkrDy1M7ea9lucaqPOsy44aGvWQvDSPZryUjPhw6RwVj9hu8kCe3Tyl9nzdPJOSqQWsaolG6RLldpjd4w+p9IX5mnjthXsSZTlXWx8HCEX65kHOyg4Zkl+eXZCcarCphidphz5dlo4POmQYqgZIdSUSIipMajc5WVHmZo3I8saj5doSUJ8tNF4dRnRaYeSw7S5i+\u002FV2V32bo6WUOBsvrzxoJBQQqqLjpsxlPIyhHBNHJ60xsIIpZL4AgEXItDReq0s58zimMrN+zo7zIy78b2zi1+4UVRxV1mgrfJWdmJF5klZWbbfbbxiMfx4V27+n421pks2t+vKSGV9\u002FL2CRuiDn5RNv24cXMVE8NOranT\u002FV6a5CM5AAGMAAecj4DhZyUyValUkNJOxWhL55aX5S2UrHDdrGYvRDVQtmRZVti03lMxg2WmyzrP4POK2yQMzI1Kp4KOGPdNtUGG6oZhOP11lcouJS6AGyI0rl0valEnVonVCoVqylUp9CEVopIn3p1DtRk2Y1DgqmmLNEpWazzilQzqfaX25U1HeyL8ctCSLtqmSvNIQbP86lc6GkbAmPVZ+qoREp9Gnr83dZGEtAfvPhnaiNtNGsabUMzIzcloVAQSckMDJs7Oiq17adauh3dLgughTez7+PtMW+M2lYba3j1T8blFaTYVI++rFn0khGDziPlFQGQ9TSMagEV6Bvoav\u002Fplbp7z\u002Fp+Ck9Q8krR\u002Fzp+KI5ZHK2kiDAAiAgI0EDN8tNlazWqyxcGNu9b25v41titviab9Gao+a1mi29VCWydzKcdsyHG0GY\u002FKOK2A2Ju4IljWQkEdabaiRNNSUc1upTvxR3clGq1BXy\u002FadOlZSTYRrm7nLZeMuNwrGU9sk9V9TpVvKKIUn71dp4vTYIGocpXe5vTbc4G6pxohJ8NLXkuKTV9mkv9k0DT501oxAvJGCj3meGozNryXg\u002F9kQo0dMzbq0g\u002FhsE\u002FreaOS04L0F1AYBhxCQPMi+XsP8LbTvM3dHZElZ9OuZE1+mYceknc97S6Wb28oqeXLSrz8qnmIY3h0o\u002Ffnm75fy++G8HCFXbtWI1KRh76irvLUkUNxRxtdPXt28loYftMpcpEEABECgGwQcIysl\u002F6+d\u002F8nniwLDw0O6MT19UW48MzIf6u\u002FbKcV04cI8kryfmuV4k0ZOeSbsinaqVy6yHTbcWimJP6r\u002FjELB9PoiLWHykZDGi9K\u002FFrQLTQn1ziuc2swDHpYwPVjXJi2jDxdrtITd1eeYSwUlZiwJNnfTcr4mYzFzfyfvN\u002FEfANW+2QnU5Gxqz1DD3lfztCRhu9rEa7kv3AUBFyHgN7b\u002F3NTg\u002FZqIReb\u002FfxW84vGXZw\u002Fz0c\u002FI+6EJ\u002FeWru00\u002FyknD7xuH026wFUeEPLp+TKyv4W0S6DPEKA8ZIODKBDB2pyXgAFkpLFUOEAdMEpnfa2IRsSaDGc8INf4pdpBYrGFmCaPO7igS3DmraOfUzlyS8qGmwIIg47pKm7tYoats3IhD+1HIR3rFAq8rTJjskjCVaX6ruOW7vAHrkcq9zjgolocSQuUss7PGbTMLQV67qSAgdRoSEhbecxOp1Ai+QMAJCUydWHJ40ssrQoONNZ\u002FF0d5u1e0W9w4xo0dvn6zLPc1bGTEwecFgnuJRc6dYDdmvm53yyohAAARAoAcEHCArCRUH3Pt5ip0uxGSHapUk0xxU3hnlqzadmJqJ0kRn6r75PO7+jk+m7lfzZYzvGLtijSyIwjmrqBqboVghqshXJ6PTaEWqLKPEGUDsTB8iWWGZA12Fi3rDeVi+lyQWlBqvCuXWUL15j+93CTHcKs5sqBy4Wfh0JMyxruta9rCrBy6ujJzRulHRvyhiWBfWrMLUKHuI7wpSK8vgmPR8s2JU9I3YkQTQttMRuHbgvTvSoAIHTBwrJdVfV9\u002FPamvjWdNSxjzEE1L0812RT764Ku0cn3v6jX2XWqTb+AIBEAABuxNwgKxk4kDv\u002FTQSZ8w7TGWHsUTjiwvNT7CBrSwkbN+GWouYryHuUKGWWhROHbLTxTWNmd7tXiO0UjdDTLq0XNJ0PaosSzXb4\u002FjWmYV52vCkrcLASW2ZxmRYjn4\u002Fk9xgddVFOan7Zh5wyVGuy6MJKuPYUkvqfSZh1JjK0qxN5VLFtBg+JHqLCj5apduBcp7MfN+EPlzVo2S0jTeVsyFlJzBtzb3\u002FhLBiXEDrpK0iwa3CxeaOFJBa6PaQUQEEnJrAtcMvVO+slIY4bX3oOCmp+rp95EqBOELSP2DRnADlva6Ou+Kyq1XeD15753BW3dNz\u002F\u002FZNq7iDGARAwNUIOPt4HSArHTLlxn2bcrSE2smo6KFaxFZRSLUOFW0GDtnGkDUfJpHcxZKx0CHjtSiSuOGQSihm2BM6T6XDrA+IHYpOSN1Fw5N6mI\u002Fb\u002FOFB3NwbGhJkvf2elAhK3JocxnbbqOfSyM8uLd5l+HNBrAsmZLfFM9N1poZQQ69S5nYnre6RtYwPCLg2ga7Wuj\u002FMrXrjpKQLRy8ZtUktGeXpNR388y2xGSh4yS8flXPFd9OPd4NG6LeN+4hcQrpqb76cUydqyXn4BgEQAAG7EHANWSlvEKZGUGrlsllZSjuHyvU+Ys4sKDiIGwWFsdCsQjV5PKSsCKkoZIFb0XijpiIjSy21BaoCMx8qKlIRbNC+6lLnmObrKQnRlpwQK6fkJrgHnHAL6GTujGaKjdv82IpSbu5VrMKUa9ntmz4aQ9TkFD+7NGG7WeUn1KTOjW63waAhEOgOAWcq29ly8m\u002FPRl86UCsG5RW9KSx\u002F0xjFQZIin8Vdp6\u002FkS+ZMn39bKm8AZ3fYJ2jJJOWG8S\u002FLxiyTjw1q23ejjBVRfS7X6tZxqvJxAQIgAAI2E3ABWVmWGcUtjjrJQuWLdWXJJJqJkyOVYJif2oLZUiEKaXeEJGw3dBxryg10obJ1o7Qmw9rvWHKxq9Od2+NoE8pOZT+4tBYzjOrKYypdKSSaZOdj1ak\u002FWoyZCeuLVVpz+5CosZD2Zf8gdkrxhbY2N04ft0pMc1lsOkens21uHAVBwNkJtJ2s+PcXbtaLYQb2Tz086a0lw3WGRpEtx51lB29KqydnD\u002F6tiSOD5IL8u5\u002F\u002FqNX\u002Fr18\u002FnibkTr1wnUuX9Kuzo53GhPh7WToBiRdBBAIgAAJmCDhQVprpsVvZTIpRiyBVeEwY6avqlKXxoj1WiGpKoUTNGslYKfZhSm5\u002FSjiz8JluihUiQUtWxxPDU4HYHebG3R+xKyaKmQNZhh0+ZZlqAyr1p6tkHz8UPSzhNTqkamu\u002FWKMcjkp0SuJVyGIHmTD5TinqFqc2ZnkcbE+PBc5yMbbaQRqhkMVGMRf6uuJIgIB7EOiq\u002FS7lhbbrfDI+4we\u002FXzxpwVgffmUqaq8r+lTKn\u002FbESBNnoEs39V\u002F9hnoPk668ZH0pXRNyrfJbng72kcvwS0QgAAIg0A0C9peVVNJJtiV+po+RK5ktKNQ5Z6WSOouUyv5UnEE9uXyLiVpTiulRZUkNcsWpmcfEtRyzXc\u002F85EiddVO+Y+6bbaamMqU4VdW7unTsmuQw45+HYap38uIcknTo+RCV3VBdmV9xz7XRHm1+Sxk17N1VpNUqN+PExscVrdPLVu5Wjlu9NIjmU3ulgR9c2RRPS49DJUz5DRrxszypFdYUXnqbh1Pp+q55hq0Rmwgz8aoaZxZTi5xtbR3lQMANCdz4NOvGeTGvyMH5hVwxZlUAABAASURBVI+MtXgwUNfpmydEYdI\u002FetIAKan46iIGTu3O81+0SS8q\u002F\u002F6RI3jRwKFJO4Zv2TF8ccf1L4T9svJG9r47v0llmVtWDOKFEIEACICAjQTsLyuZ\u002FU\u002Fyw5o0OFEtyDYLG9mfeGHZz8tHH59O21Hl8Gx9xLzYpWkz9BmElGXOz62Oz7Z4cqSyvJymIlX565Fytv6bFtgeV53zqrT1hIlXtn6Rq15qEw0KtrYThikq6RQhfatGKebgNjzyk\u002F0yTcnuvfyfA74DJizlefabkOKnIHcaLpFiFsEoNjbCzul8lWxlqNNi2FZrpW6mxajup+Ont4yGITKYP3p3RJxVxSxKq2JxIrqR+5taTLfFk+qchSZlrqoFXICApxFo\u002FqFEHD9JJ17bsi7+K+lUIDmRo7tLCxDy\u002FVfSZh0ydsB4Ux7wso2li5\u002F728EjNeevtNSerirceHrNLklohv1+xHjeCPF94Dezw2bO\u002FuXlv7Y0ihxytyyrLu2IN8uPHEyI131D+b6fod5GBk6pAr5AAARAQCZgf1kpt9w338wrbfxThPYZS0z6\u002FhSSN59bWKl4pe5dc0rUuD+xylDLtp9T06xZUcUc3MYu6aDENXHc381FM2GmSt5D9KqUcELttRp+RSTD5CbyGpXjGkm+U8kr7pYRQmXxQslfL3bWhydnLTUjh4tejYnaFXqoNH9ptFXFLDpQxNz9zQ51ilZkSsnYDOZ5L1qHU4EkIPgCAYlAe6f+2J92+UigK\u002FpEi1j7KJW+VnFa2ifeb8KA0VKm4VfD6ZvZaxtWxVc8+9y1vE87O\u002Fj9IVOHZa5QOro76987l3mE3es3KeDfuN6s33dpydqqJpYXuOBt\u002FluRb0eaeVmwQviAAAiAACfgBrKSn7YT6qhzczglOaLu8v1UyRFxKpDKvSsXkb6pWU4je+FPpTPbIbULMrVXzn+8cR3XpukkTS1MqYObCEuk1Iz8Re2yBdNPLEstYoZefb\u002FBS19LCieyRJPsxGbsu9GxGdT6S3vnyxKELDZ19jgdQzUh1dqQbeU6SSoPw6ZvauPk45RO4jSuE53GJK82b34P3evGLSIHBDyOQPvPldJWcRI29hcmpz9ohLfh\u002FnFf72mpY\u002F7ydqRChnbU7jubnN3BzxvyXr3pkZTCiJensn8Yrh+5tjjxXD0hXe0t15tFaKiWOzXZo4tlYrggAAL2J8DeHvZv1dEtUgcutflJYV0JMXK22ncATBfKh1xSZakpzw7Nkc1+5nsSteggN9Ql79fLR0n8aQ4lh4nzvfUbdMqOFusskYSvxQwPHSM6oJbIhXlaYnRSTxA\u002FLZJKNBuNf6x3oYzl3\u002FUR7etjZk2khkahifniUToFKTAxyk+kp052dZDd60JT0tbokLh0VheT2imOY9MnJRv0c6dVFEGQMVlXZIqRKGogCQIuQmBY4oFpmu9ZyFeZDAkZ8Ug+zxd3jeO0qYop+ka8Lhd+d4UpFzgh41Iml3wfXXJ8\u002FCcilD3+1dnJr68YNVDXTPulgudOL8+6IzYJPZQamjjWm5AH5r4dlsSPIuqouPHukZZ+5+uWTK94moWa3ZWisk+wWJoprhCDAAiAgETAOWVl0JL8chM\u002FVCiNmRCu7diSQW7\u002FK7Wz15uvX1SexbOBZNOOFGsQo6mVUXMofDeXOAYebb2a5LVoRdMLPfkc6d1tY6hnXIhC2mx6rKzkFudow1JeSxRuJ+YcZ6cFKcYgw6DtUIUaHqIwP8i3zHwzerQK88iLfg3KRafprJjUSsrXvNJxWg6yiTSakbFaJSOaBC3JSgkPGxNi0Ld0Gc+AW+qRjl8qii8QAAELBHz8AgcOEcF\u002FgOHiSN\u002Fh06ZQHcmqj08N27niAbnAA4kHIpLGey96Z3zG7IFkvJ\u002FBcpYhCwb\u002FhlXCBwRAAAQMCPS+rGRKpWfeVYOhd\u002FcyKLGAKlG9B9lafSbjJGVDZZBxaarnuH6aWSyZ5YS+5O5v2pGtYpeXVwBhfHh1vYGTUBGWb8ElTUdSkB4rBKjxOE3m0CrMHa\u002FN27jP8Kd6TJZ3QCZVt\u002FkZ0cGGLVNtbQM6Nv5SWcsaNoFrEAAB2wh4j14x7vUFPnN3jMtdYXA65gOJhZP\u002F96QA3s7Q6Nls187YSQPmLvD7t9RR72SG2nKeEa+LyBkJYEwg4DACvS8rHTYVuzXMJYvGgoxT98R1IROCJkyJ6pK9esXkqUKtmuib62ydYdJEAWSBAAi4PYGA2Mzol2cHynZKk\u002FMdmLCD7dp5\u002F53HX86cmLJijHK\u002Fj8kKyAQBEPBUApCVnvrkMW97E0B7IAACIAACIODhBCArPfw\u002FAEwfBEAABEAABDyFAObpaAKQlY4mjPZBAARAAARAAARAwCMIQFZ6xGPGJEHAkQTQNgiAAAiAAAgwApCVjAI+IAACIAACIAACIOC+BHppZpCVvQQa3YAACIAACIAACICAexOArHTv54vZgQAIOJIA2gYBEAABEFAQgKxUwEASBEAABEAABEAABECgpwScUVb2dC6oBwIgAAIgAAIgAAIg0GcEICv7DD06BgEQAAHXJYCRgwAIgIAxAchKYybIAQEQAAEQAAEQAAEQ6DYByMpuI3NkBbQNAiAAAiAAAiAAAq5KALLSVZ8cxg0CIAACINAXBNAnCICAWQKQlWbR4AYIgAAIgAAIgAAIgIDtBCArbWeFko4kgLZBAARAAARAAARcnABkpYs\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\u002FpOp8c4dRPjJAAARAoGcEXFNWnkqfHBOlDCsLG22Zf1kmrZVeZr1o477lUZMzNaYLNuxdGROVccr0TWUu6275XqOR8cZjbBmGsjGkQQAEdAQ8INHV3nK9ueW2lZl23m61Vqz90u5FJ2bFN2xOPFdY26ls7\u002FbJivVrr62aXjY9\u002FvTBWuUdpEEABECgZwScU1YK4UUloJlwNL5UU64MexKDbJh\u002FY8jMlHBSnGpC6tlQ28YiXPJaEJ2NhRtzq8OT92dE29ggioEACLg+gZaitV\u002F9Lt5UyK5Tz66j4cjZVdEnpkyseHp6xayHT8QtOnv0ioFBsaPh5HeZiV9Nf7h0VrSu2JmDFcb2SEJ8h8fN8eFddOStqjjVypM0aq15M63tOk0Q4j8hMG4sTyECARAAgXsioJCV99SOQWVrulBta2R2R5XUC1qSr1KNkoLcFk+7idtWXpoWQxMWQmPhMtamYS\u002FzF27I0dJq1TkLDW8x\u002FWpBC9JK9xY0GXKPC\u002FPoELS5i1mPukHaaG29tzGgNgiAQJ8R6Lh+5W6jyfDjXcWgbp5KO71kbdt5nfgjpK2ybXP8WaWhsfG9s4tfuFFUcVcpNtsqb2UnVmSe1CvL27V1R49UHz1SVxPs9xtf1snoSd4\u002Fn6Q5NFTlrGooamaZZKzfyql3\u002F5uVrP7v2ls8CxEIgAAI9IyAg2SlGV2oNjFKYlFk5i+1xd7YnUnGZ4uWbY7TY801r1bJi5k2Ldmg1IW2ebQTtospf5gUTohueNvjzHWLfBAAAfcjMHCEV5AyDNW\u002FhW+frN568G4Xm7PXuBWBW7YOjA5kF4R05G2sbOBJGnURpkR9\u002FH2mLfCbS8Nsbx+ay8LdorSaCpZgn+snr25eK8KNsnaWU\u002F9pS9ZGkXPtPytZDvvUtmVLmVfzTraxHHxAAARAoIcE9C+0HjZg92rciawz46kSG4ppb2o9p9R2Ztc7cuPlsn26lzJthQa+RNLATMhL0jbn51YTUrSO904lo1ol76eedMKMpnrBCo82BYoAAiBglkBrjZBx\u002FgGvF0\u002F5SBlSx8iVbnz+Z8krPWTJ6J2p42bOGb\u002FtTwODxe3KlgM6wUh85u6ILCmLfj1z4ss07Ji083lvUYo0t5WJjqRrfIEACIBAbxJwPlkZmyFMeso4O4EyCU9O4k7wJKbqiGz5UxYzMDdelF3hJv3Ok7nRUZs3f3JMFJePTHcGJRbwBg8lhxG5C\u002FtJRkmnRvHxFKdKbvF1JXRyCCAAAh5BINh7iLl5Nv9wVBKOXnMWjOrHi\u002FWLHDJzBE+Ru2dPXxOp4BWPvzx7mI+4YLH3QxP6s2\u002F2udv0I\u002FtSfLyTiqdpvpfC\u002FlRJgIalRuoyNcWD6RtPUQVJEAABEOgZAeeTlap5SN7nXaGHSjUFS0bze6OX7tGUZxNmSlxpcQN4iKQRy7nTOTx5v3q9Jjc6hifRlkV+wRLJKsB7ubdImFRTiwjh6zilVZuyFOYqGU7we0OM2iDgSgSaO5qk4XoJvShdKb\u002F+fktSlWTAw5G6G8EPT5DStTWt3D8uXSq\u002Fbrfqtnh7hxi+yO5qpfWU1UePVJdVMgc6rdtW+SO9lMLJO67g\u002FKajRgABEHByAs4qKyVX+Hztaqb5jDd6R6ex\u002FOdrhK2R+qkdyFn2jFPnOA\u002FczCmEIzdz8kz1kUNqF3m5gRmVjTUsIoR94QMCIOAJBNo7pU04tTeSpf3gZa\u002FkVDfwJY8CQGNth6Qax\u002FqMFFk8Dhwhv6Zr7xgdV8ZLkGsH3rsjUiRwwETDPd13v8gS6ylZ\u002FIdPJVnZ+GmzvPLy6uasW2ZallrFFwiAAAjYRkB+X9lWuhdKsbMeqXf4qHSEkEqQcf+4MkeIy1JNfAmtQoO5kybvbdyyZ5wJWe4iN51QDsxih40XawgJDbH3FiWLfZq9iRsgAAK9QKCdSJKxXbcfvOPErquL408frpUMjV18Iw4biy9RWjT9Aiy\u002Fpq8dfqF6ZyWrRz\u002FT1oeOo1\u002Fq4Beo3yQ0zF+6189fnxkUqOpRKoEvEAABEOg2Acvvq243d+8VJKXIjxBqlBdHKo2C6rSwU8aki90zvJaZMRie6SPWVpopLGXzAYgupBz2xff6SH5tdm3zR1pbqdwPRC2dWFtpM0DbvZlIAAAQAElEQVQUBAFXJfBj523F7m8\u002F3TSa77zx\u002F1XJ\u002FnFdrq2Jrta6P8yteuOkZIAcvWTUpjkBRpW9lxfqNwnl\u002Fl5aWzn29xEf6XYOFQ42NHEatYKMviSAvkHAZQg4naxUkjNrJuQHWBISbu5Q8Ys1WmU7PE0Lq62MfG0lv2UY8RPL2U7wV8nWUk1PtuwoXORClcrCV8OPEwpL+VDoYBbzHMMh4BoEQMCdCEz6tV7DFU8pORu5abb88q1o+eKKpal2KU+n1BfsbDn5t2ejLx2Qfh3HK3pTWP6mMXrBqi9598s3z76RJoWdeid4vS7zjTfb4ATXA0MKBECg5wTkN1vPW+jlmvxc8Q3FfKuNxU02isWLXJ4aFQ5mW38MVm0KF\u002FyrZI3YCW5w1\u002FapirWVfKuQshIdPLVNhidnLQ1ii0fZ3nNCmOLscUfK1pHuHgGUBoE+I+A7bM76gfLm686aGjaQIUMlOyKp7LjMMqTP5RrJS07GDtDtxmk7WfHvL9ysF0UC+6cenvTWkuE+4tIwvnv+SNvhg1I4qt+yc0uXefhIB7bsGGLDNQiAQE8IuJasbNy3fF0JN\u002FVZ1GF88SKjQWUc9TJbDcKgyCoIF\u002FyeRN1BciyTMAmoaMTUlh3rPnHWCNWUJG6bkcDlnSACARDwJAKBPsPl6Qo5eN\u002FY\u002FvKC6456vf3yWq28bvKhyF+IGl2136W8IJ1w6TN+8PvFkxaMFW2I+1Lcz9dbde4698KbXlvJb9HCgb6u9U+CNFN8uTEBTM3VCDjdO4QvZ1RouBhlmq9K5Ef2qFdYymWUW3bYnhhmCCw14XcW3nB+OCWhOs+am5tvFdJv1uHec2GP1GWq9+uEhxtt8y6rrwtnfZnaFe5q\u002F9FgvCAAAt0j0EVki6Ncr+1Iyykp3f9Xv+KpyIBoaT9Nx4mTN3gWIZU\u002F\u002FLVWJL1nPSF+cufGp1k3zou8yMH5hY+M5T\u002FMKDKUcdCSSUrPu0ibXlspL7J8a4noQtkM0iAAAiBgOwGnk5XcYS1kn3HMhSC3Vur0nCohtuw0HCupJnEzdb8bTsXloWSSszBGOJ05HGY7pCKVHR6pVoT87j1EjfV1hIxRnRzH+opKzdNqCdGvuWS\u002FGKTeRbR8L1Y33QN4VO0GARTtbQKN752JW3Sm8NPqb2pbGitrDmaXPbvxjtgb7jcnUJKLZORTSyQ\u002FeEVW5RsHG2orq97Y2CJ+Hqzf7MB54lz05h9KTsvjr21ZJx1X9NXv5EQOvXul8iX5UpcvEsl\u002FlgRu7Z+rRI5RfPqg3lYqd4RvEAABELCJgNPJSptGbbnQxSotMbAXsl9f\u002FDCJ5C6W7Zob6vjp6NbslJY7MnWX7RZSLOtkRQyMnWybTnkp23Wk3kWUv1T2gLFK+IAACLgTgbttlbfyNl5Nnlvxu0UN2e9Jp6P3GxvwxubQ+6SJej\u002F0+wfmSubCzsNpNc8uunZYmCoD\u002FV7\u002FPxHSdhzdEZi0lv64It25RXdb2FmYnc1X9DmNinSTdH4m6Wo1XaDxSudt2jICCIBAHxNw0e4dICu5cc60k1rl0ZYVniLT+gpFijnU8omPjft2F5OwhOm6te20CguaXXnUXMhS\u002FKPNfVfDE\u002FaNNCVFOJPSvkjRGgi4PoH7hvoMNHJVP7Rk+L4Dv35UcnzzSfqGvvxJaNJU1S\u002Fx+EUGvPXJ+FhlMV7WUuQ7YPoCv7mmwsxI6aXvFznAZIG5CwLMedUt9Yh7IAACIMAISG8YlrTXx6RxTpjorMWm\u002FNHKbTfUbR2evErn3TY14lM7c6kHfLXe8ic2d0+OWXdR\u002FzuN1L2+PU46RVLhGde3V6etli4ajc\u002FONLVlZ3JM1MrCxsbCnSXE2gilhvEFAiDQ+wT6qMchcx7\u002F7OzkL8vGf3JchInHv5\u002F27qawYCOtSfyDE9+ecvysKDae1io58Otof8k5zoY\u002F4pH876dpzIe0qYQEhq7MnPiyqbBmjvTSD5oz2mSBlzMfiZYspqw3fEAABECgOwSkN0x3qvRy2RjpqHNJklrZRl12tJgkbKfyVCcHS2aWi\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\u002FwVg\u002FiAAAo4kgLZBAARAwIMIQFZ60MPGVEEABEAABEAABEDAcQRcU1Y6jgdaBgEQAAEQAAEQAAEQ6BEByMoeYUMlEAABEAABywRwFwRAwPMIQFZ63jPHjEEABEAABEAABEDAAQQgKx0A1ZFNom0QAAEQAAEQAAEQcE4CkJXO+VwwKhAAARAAAVclgHGDgMcSgKz02EePiYMACPQ2gdK0xx5b+v5VVbdX31\u002F62GOPbS5VZbreRdM3n9acv9LW4Xojx4hBAATsSMA1ZeWp9MkxUcqwsrDRFihlmbRWepn1oo37lkdNztSYLtiwd2VMVMYp0zeVuay75XuNRsYbj7FlGIrGpCkv29egyLSQZOVtLmyhHSe6haGAgIsTuPz+258ZTeHy0c+1JCLlhclGd8xmdLS2XG9uaWnvNFuCkK52Vua2hRLyLVtaI6TzNu+0rV2upv7uOn3l5Y0Nq+LPTl\u002F0nY3vKKmB9jY6l24Fc2OQGsQXCIBAXxJwTlkphBeVgGbC0fhSTbky7EkMsoFiY8jMlHBSnGpC6tlQ28YiTM9ZEp2NhRtzq8OT92dE29ggK6bJ2FDMvom25EQjT1iLYtckh2lzNylELR+YUosr0zbqcmu94j4IgIBZAqW7d1SRhD\u002FufXa4oojIfGGZMk9x2zDZ3nQ0qzQuuuLp6RUv7rtheJdddzQcObsq+sSUiazMrIdPxC06e\u002FSKGRui9dZYi12tlwpfKBOdbj\u002FNcow+nRVH2tp47vgFficWnYh52FJY\u002Fl4TL8uj01V0Lt0KZsbAW0PU5wQwAE8n4CBZaU0Xqm2NTN+opF7QknyVapQU5LZ4+rjitpWXpsXQhIXQWLiMtWnYy\u002FyFG3K0tFp1zkLDW0y\u002F2mKApLV7FDQZco8L8+gQtLmLWY+6QVpUdRTmuhISn60pz04g2ryNZg2W3Iwqtzk\u002Ft5oQxUxX1q+RMGrKP0wKJ7xBXY5turxHU0clEAABSuDk5hc\u002FIwnbt6iskpL9suhF6gY3Dkp3eUfrtbKcM4tjKjfv6zQjEmknN0+lnV6ytu18K01Loa2ybXP82cJalWnTttY6bzc3fJpV9tvouryTd7uk9kx9tdcd3HeX3+j\u002F2yfu5wlEIAACnknAQbLSjC5Umxh1moYl8pfaYm\u002FszkNiOoy1bKFT9a30WHPNU2GnUIGLmTYt2aDIsdGjnbBdjEet6rbHmeuW5dOuqUCkc2HWzeg0qiypJLXk3WayWz2v0v3URsvakj+Nx0u0JCwiRL7Gt7MTwPhcnkDp5nVFJHztC1P5TE5uFissmakyfO3hr43\u002F98cEXlCOTp6dFV310q5bDWZ80KLc7ZPVWw8K\u002Fec1bkXglq0DowPFnY68jZV637RtrTW+d2bW9JqsfR3CDCkaMhk37Gs6ym\u002F0mz34iUCv+4Z6BY0wDAN9eQke9SNe\u002FJtHQwfMXeDXrTBhKK+ICARAwBkJKP7f7STDs+Cr5Y5gtZ5TajuzrmduvDSSYty2Z2Am5CVpm1TJEVK0jlv+0suIWiVzlaZWb0zzOYAftXHOzyUpH2r07VNl+WESyV1sNB1F93wWFgrUaatJeNwMe+t4xQiQBAEQUBAoTXuxiESs3Src31ff31lEtJ8fLeD2yzUiU1HaZFIyFvp6DfM3eZ9m3vj8z23X6TchQ5aM3pk6buac8dv+NDCY55DKlgMVIsViG1ojXUQYIEm\u002FQK8hrJK5T91\u002F\u002FlmYQr2X\u002FT7sPhK44O0pHxWrwv4\u002FDXxAFsT9Igenr5DULmsxMvLlzIndCnMjWT18QMDZCGA8nIDzycrYDGHSU8bU+UtIeHISd4IncdubbPlTFjMwN16UXeEm\u002Fc6TudFRmzefa0cqJZkOC0os4A0eSg4j1F\u002FF03pJx4ndQyTp1Cg+nuJUyS1OHdym2mTyet3FpEOl+YZ2XDbIbWOoG93Qax+8dI+mPD1Ws4v62RPWLJH+OSGE5+9JrJMd8axHxcTp3Kl0NjUG5IEACNw7Acn9XfjsSNbW1YL1O7QRaw+9cD6niDz5xy3CfsnuWPz4je0\u002FNzV4vyZike7\u002F2Ablm384KglHrzkLRvXjd\u002FtFDpk5gqfI3bOnr4kUja23RgsRr4HjB6zMDPvk+PDH2aXpT9O+awcln3v\u002FSJOCr7Uma9WN87x2v8jB7x94ZDRPIwIBEHBHAs4nK1WUqQuYip6oXaGHSjUFS8TLaDQTT9mEmRINbI2qqoSESBpRLCUMT96vXq\u002FJjY7hVLdJLuMCvQ4zaKj7l8KkmlokrW6U9J8shblKpn5tMR5jJzif9QaSrSk3u+SRie\u002FthDrijbarNxbuLKEDliWsIIgEfAAAEABJREFUEM3SAGi+PAaumMtpzAdDbyCAgDMScJsxFa2T1k7OzakiT77wbN3nRSThj5mqlZbmJzt1YsnhSS+vCA1WuJINS\u002F\u002F9lqQqyYCH9fIu+OEJUsHamlbJSGlLa\u002FTP0RXRnxU+vnrB8IFSA6a+2mt25phf6slqXCtc1VDUzFIk0O\u002F1d5WasqOtmW1Xv96TGCcZcaSIQMDpCDirrGS2Oioo52tXM+ljrK6oL5hKoudrhK3RscY27lOmg5EDN3MK4ShEm4j10o0QtYucWhCNHryZpY28r\u002Fm5oduzE3TmTLlfybqpu1xXkpCSXMPktb7rhr2v5mkVWllI6vg4g2WjHK++ltHokAECIGA3AlO3fC39T6yY5GqSZfLtO5ffT1xqcJKl3PODY4bLSevfjbUdkmoc68PNolKVwBHyW772jm3HSEgVbfjqPP\u002Fna0WSqdJk8ZunNlbnVfJbgf1ffnd8rMqDf3n7dLZd\u002FemexFX\u002FzVtFBAIg4AQElEOQXzjKvD5Ns7MeqX6SjxBS+bWZiU4l0YS4LNXEl9AqNBiZ7uwyFeZ0liyaTONSOWsyqIZqqePGizWEhIYYL22kc1+YN4YaKUvTYuSpyT1ui6dNGqjV0rSlbMv8\u002FpSLktlSk0Elb0J8CPXsCxSn0qnDPW6bST9+eDj27FCmCCDQWwT4CktisBn86rHPq7Q71hdcvddR6JZCEl8iPOCiRb8Ah73lm6tzd3WKXkzFnfXvnXvlU7FA0yfp3Ylzx3qbKoY8EAABdyLgsBdOTyFJcoofIcRNdzrjnMmEsFPGpAvZx2uZ6Vmbqz7TR6ytNFNYyuYDEF1IOeyL7\u002FXpialPckwr9wPRSbGVjqxZQvjcTUpAcd9MzJdOUiXaSN3fYSkfpmWka7bHib42FNN\u002FxGzWu2baRzYIgMC9ExBnCRktphy+rPBwSkRVztzNJw36cP7LwPtD\u002Fc2Osqu2Mi1bGFC9Et4el2hCU943QbUHvH+w1Jj3b6R8OcffZ6aUo9szPuCXUmF8gQAIOBUBp5OVSjpmzYTcdMc28Zg5VPxijVbZDk+bXlvJbxlGjezEcrYT\u002FFWytVSxC9uwnPlrhYtcqFJZ+FLBR2tR8Sd0MIuN11bSEj0JDJe0v2dMeJjcQs1Fezu+5JbxDQIgYCuBq+9v3FEVvvawqcWUw5e9uTacFK1T\u002FH7j5bo6W1u2Vq7L8tJHa9Ut3g98eBK933\u002FaVBobhEs5q25U87whc4avmxrAkwbR8LmqPeCBD4v7\u002FgNWSvlyTrDfGilHt2c8UveKE5UQgwAIOAcBp5aVphBp2HbmDcV8+WCBpU02isWLTG9peGFli9zIZ7Bqk7qhJ8dEvUrWiJ3gBneVtS2nhbean0+pLEgHv66EhCdnLQ1iqxuX8YPNmeJUdiTGQIehCtTuSIhCrVIzpxyEv1vfD+1FHEtUTp31H8YVLYwxe\u002FSSvhJSIAACDiNQmjaX7f7e+mxdmrRx57HHEt+\u002FrOtv+LNb10aQohfViywjHhyjK2E9MWSo7GKu7NC3TMjlGtlPPXaAbA603pptJQY8OrX\u002FtK2Rcwxtlp0VWfUH+DadfpGDc7eG+imaqz5Zdb75lrQMVJFPKtukLUfBPsOU+UiDAAi4EgHXkpWN+5avK+GmPqUOM+LNFy+yXCqwZO0VYyEhDIqsAndDl+9JVL\u002FNmQRUVF+cQ22hBgrPuk+cNUI1JYnbVmBJDRPhCmeKkIpCfeAGWqFW9ZnM2FlO3d9s6PzDvfY7w\u002FeX644l4pKa7RlXjrCxnppCxoQE8zqIQAAEHEvgat0F2kHVjvmPfT5b2rzz9deF4rwheoOFkc++mRLRPR3Jqik+943tL6\u002FX7qi\u002FortxrVbsmCHkochf6HLtlRjyROSmOUaWyCuV26Uf3fFZszVSnOCh6\u002FGHT6+tmn5mVvzZo1x36vIbTrcJx4rfBH95IrqbSIAACLgKAaeTlVwYKTScSg7yVYmKHyRU2fNoSaXdLjQkiDBDYKkJv7MQbfxwSkJ1nrXljHyrkF7M8ZOJDBSeev1iuPFumLL6unDWl2rLkdn\u002FShr2rly+V7xjzZYhVDQLe6dUhJo5uZ3VaBVpTHEcO89SKoYvEACB3iUw\u002FNm9kprcYsJdLI1l+LLCwszJ3dj6LdXTfUUGREtWw44TJ29I2ZU\u002F\u002FLVWJL1nPREoUvaM\u002FQOUlkje8q2jb0ru7+DnR\u002F6b4ZLKpno+no4rnV3SaHklcunAe5JVNXaKBQi3TuSc2X2w4bp8uLqojBgEQMBpCDidrOTWNSH7jGMuBLm1Ui\u002FyhMVOxGLLTsOxkmoSN1P3u+FUXB5KJjkLYxQijNkOqUhlh0eqFeG9PplGY0Mg6ysqNU+rsnEyp7Za\u002Fyl0ZOOJIi1Vz4oco2FRTUltn9qSE3rxSU2te7idla8QkOlxMychRNFC4\u002FESLQmLCFFkIQkCIOBEBOrOV3V\u002FNCOfWuItalVkVb5xsKG2suqNjS3iNxv7zQ6cN0LcdHDcfvmLI6KL\u002Fqt\u002FH6zck85zWy8L6+mI\u002FiN9eQaLOs\u002FnXD4gjJf+AU9NlWbB7hh+btYfubUnrebpiac\u002FtXSwkWE1XIMACPQWAaeTlXaY+MUqLTGwF7JfX+S\u002FeSjbQTfU8dPRrdkpuz8atlvIQLEZGDuFAmZqT72LKF\u002F\u002FazpMW9MCVFnG6B30irHwxQCEVd+TaLu7KIbtl6fKm8tuIjdOxWjPtiUpxoMkCIBANwiUihWW6pWUxvXHhFgw2xkXJ94P\u002Ff6BuZJFsvNwWs2zi64d5qZBdg75\u002F4kwMiuaaMIOWc0d0llJYweE64Wj1HDbkRtHebLfBL8wniCks\u002F69M2t2SabKsN+PeFTKV3y1E2ktZvvPlWJGI\u002Fpb2ISuqOlySQwYBFydgANkJTfOGbqnqYfahqBc\u002F2eWLPNum71JSOO+3cUkLGG64cJB\u002FpOG+nra3Hc1+iu7pTQlRabPpOx2D1SMUmWZEBEijA3K+qd25lZTTWlljaayhiLduG9TjpZZfLfHkeLUGJOyVVEcSRAAAXsQuFqQqNutI62w3PvscNMtX31\u002FJ32PJPzWvMfcdD3iG\u002FryJ6FJU72UNkK\u002FyIC3PjE4h9xMdftky73X3lg+98wb2d8VHak+ykJVYVrZs2tvtfFeYqcGsUG2Nx1NO\u002F1sdoe0Wz1ycOYKU9t1alvyjzRdb245n3\u002FjFK+uUKX8GhEIgICzEHCArKR6SBjkuh+b8kdTb69sYoyhbuvw5FU677YpiExykbjVestfWaaovo79vrZ+SPLJjkrPuL69Oq04GoOqVPmHxfVC2dSWHXp3ZWFjY+FOttHb8gj1vRinlJONmkwd5UU5C8VxmzSt2wnO0moHuq3qkJo5KcP4bGYZjUnXHEoOo8pSsTbAeETukIM5gEBfEhCCcj15U1pf+fXXhissL7+vl5xMe87doSUGp6brJjAs8cA0zfcs5JtUYP7BiW9POX52\u002FCfHWfjs7OSSA7+O9jfnVrbWmtRtaBrvkfabZlXqjgj6V3bqEKvZUXvr8Hs3Mtde3czCtbyDHU0smxB\u002FvzmzB5DWujfmVm4+2ClZIgMHZPzJYH\u002FPv\u002FhL6y\u002FvFq2tfHp6xaqcDlF42hNclYrWEIMACDgRAS8nGovpoVD1U65YSWnFRFd2VDoAXLf1p2SmVF3tL9Y1u5VsErqTn8IjmVrXlZD4bOovJoT5o\u002FViVGpKMR59Dm0\u002FKHFNXMIayxu9Tc9SytWNSt+syb6MMlXefG2e+E1LPi+mQXnrDXtXUl1OUj7Un8TJ1gZkJ1CFCmXJESECAQcQGL6skArKwmVmTJO0x5HPshK0kCIYSk9azPbQz3fgkEAWBvqaE5S2N9bdkoPnvh25ZYmPn5l6PiMGpBY+Ekv94\u002F5j1v9p8EO8WL+x1KT66ycCDUY7atH6\u002FkN4AWXUL3LwaqpKlVlIuwEBTMFNCDi\u002FrOweaLZSUC0HTVlAlW0yaSVUGiupN7WqhJqygsV0TDrvXZThktRMO6wjKxJZNNKD2MSWHSqXF+eEbNMfPKRrlhJjq043Wd14rquBBAiAAAgoCPgM9QoawYKPyPQdNnNTdMn30SXcYirsplJc9viXxY8vGCsV7Df2kZy3AxJSx3xy2LRJNXjBpI+Oh761Y\u002FgWObx14JEvDzxicGiR6BYxCICAExBwN1npBEj7dghMJVO7qX4QTL9mRLPY7NlGTP4yt7i+ElJuQgDTAIFeIPCb1CkfFdPw69+oOvPx4xZTYTeVYv8BbEmlopjf1F+nrRg1UJFjkPQJDI6eHTZTDtGRgyVNalAOlyAAAk5BALLSKR4DBgECIAACIAACIOCJBNxrzpCV7vU8MRsQAAEQAAEQAAEQ6CMCkJV9BB7dggAIOJIA2gYBEAABEOh9ApCVvc8cPYIACIAACIAACICAGxLolqx0w\u002FljSiAAAiAAAiAAAiAAAnYhAFlpF4xoBARAAASchACGAQIgAAJ9RgCyss\u002FQo2MQAAEQAAEQAAEQcCcCkJW2PU2UAgEQAAEQAAEQAAEQsEgAstIiHtwEARAAARBwFQIYJwiAQF8TgKzs6yeA\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\u002Ff0fOHm2DAAiAAAiAAAh4FAHISo963JgsCIAACIAACOgJIAUC9iUAWWlfnmgNBEAABEAABEAABDyUAGSlhz54TNuRBNA2CIAACIAACHgiAchKT3zqmDMIgAAIgAAIeDYBzN4hBCArHYIVjYIACIAACIAACICApxGArPS0J475goAjCaBtEAABEAABDyYAWenBDx9TBwEQAAEQAAEQ8DQCjpwvZKUj6aJtEAABEAABEAABEPAYApCVHvOoMVEQAAFHEkDbIAACIAACkJUe89\u002FAqfTJMVEZpzxmvpgoCIAACIAACIBA7xJwcllpBgZXSFQk6cLKwkYzRVXZZZlRk2PSy1R5Nl9InS7b12BbFVbe5sK2NWm9VMPelTFRNtKw3hpKgAAIOAOBjiJyfr0AABAASURBVNaW680tLe2dDhtMR1sz6+K2wzpAwyAAAp5BwDllZeO+5VT\u002FmQ9H40s15cqwJzHIhufVGDIzJZwUpy7fa5MIVbWoydhQzDO0JSdsqx27JjlMm7tJ0RcTmmYnJWlBi2V0Mlqd6HXxykEgAgEQcDyB9qajWaVx0RVPT694cd8NK\u002F01V74S\u002F9XvWDh98IqVsvx2Z0vFuczEr6Y\u002FXBY3nXUx6+ETcVl1\u002FBaP2q9+urEs7uETMTysyqpu4tn66Mq5tfFf\u002FS6+NOvITX0mUiAAAp5LwEGy0poujDFSVyqpF7QkX6UaJQW5LZ4+qLht5aVpMTRhITQWLlMLL9Hd\u002FIUbcrS0WnXOQuMBWHIQ0+msKyHx2Zry7ASizdto1mDJjYVy1\u002FNzqwlR9LWyfo00EU35h0nhhDeoy1EqYzZHtW7WFTNMcCZ0Tj0PVMhmanpeHTVBAAQcQaCj9VpZzpnFMZWb93V22NTBrVNvNp+4creRhU4b7I43z+WceTqxuajirrL9tpt35d5uHH6hOuvTjjZfr6ARXn6EnN939bmsS13ybUKa\u002FnNt839fudsUMHD57AB9NlIgAAKeS8BBstKMLrQglfKX2mJv7M6DYirQUIRZGICmPD3WZPNUU1KBSFvLiCYkOo0qS23uYksGQhOicD+1kiobbzxeoiVhESHKPIN071xSTUmtsEU7zQrl3hkGegEBEFAROHl2VnTVS7tuNbSrsi1cdFVW53yqU4QWCkq3mg5WrtnVITTisEl+SVuHb9nxQNKKAWN1+rCiPvc0Ldw\u002F4\u002FiUj4qn\u002FPVtP6osr+\u002F74YQ8pKaDdXmVtIBP0o5xwfQbAQRAAASIg2TlPZClQseUKZGZAKkAIqRkgzA9mojN7UfhxksjIcgtiyutLMrUZMTMzyUpH2qYphSzosrywyRiWVma7lHUZ3GdtpqEx82wt5JmTXfjQ1FTpGF0dgVL8K9CN8ChKAg4noAQfMTXa5i\u002FLZ1dK0xrsXHZN2uuvTon7Y7o4qHUiI\u002FemZg4J2zm7IjE1Mff3xTKChDS8LdbbTQ1KeBRPgCfqQP5H94djc00l5DmykzewkOpYxaN4DkeGWHSIAACagLOJytjM4xNjNT1TEh4chJ3gidxy1\u002FCduNiBubGi7IrfGEedX1TE6NaiS5mDnFt3nwmWJmQNdKdVHXFrLuYdKg039CSGpRYULptTO5io43VwUv3MKunZhftMWGNXqvx\u002FD2JdRmsIzoM6lKnznRd1zTHcCMRF6Y031KwponVj9rgis6OakqK0Wh2BgVxCQIgYG8Cp\u002F\u002FGVkBmK1YxGvXgN7b\u002F3NTg\u002FZqIRdb\u002F5uus31WzkxkOvYNtU3hNB5uP8h77zX4gZ8UD\u002FXi6O9HNL7Y0fUMrRA5O70l1WhMBBEDALQk4n6xUYaYOaKardoUeKtUULBnN741m0i2brKNy0LKuCqHij3u9+ULG8OT96vWa3DEdTlUjL8Pa17+9eb8bSLamXLnkkXcvR0z+bifUdGq0MLGxcGcJLVXERkgHKYLekkqVnNRjuVDGXDTTCqrAlKu6mCisjM2NTaGVGT06AH3vvBOmWTcUM2e9tVWqvHhvR+gPBNydQPtdtgLyR\u002FM+66kTSw5PenlFaLCvdRRdlefW57BN4o9mDp+nc2FbqtdSfkRaTvnEglA\u002FQrra2TZwg53mQ4J9mNz8e9v3raytrtM32fFk\u002FgMiR5C2Tyszj9BM7zVbI8VrmV4ggAAIgABxQie4eCrUlsYMe\u002FO1q5n2MtZP1BNNBdbzNcLgZ2jqE230LGaSizq+Q7dnJxSnsjFIyoyKM6OwriQhJbmGyUe9bmvY+2qeVqFWpd05cdx\u002FpB8Sn6C+lv6GHVLK3iklGpR23LLMqIV5Y6hiVmbaoVc0AQIg0AcEWmuy\u002Fh\u002Fm\u002Fu43aVjagvttG8D1b9miSVrWO\u002FQX1wpf+Gr6RLYN\u002FMmJpXGL\u002FvYNF5H03n2zf7kgkJDWW5vj2O7y3z53k\u002FrEH\u002Fr9iEdbq9\u002Fcwhzowc+PThzrTUsieCQBTBoETBJwOmslFT1MvclHCKmkDzMQqjbWCHFZqokvEfrPyHBocs4WMmnvQnKVpsXIjTNdS5VZKd9zzSx8SiNi2lK2aX1\u002FykXJbKnJoL71hPgQ6lsXgzmVTl3wcdv0SzMVvYeHhyiueiVZsiGKm35NjqdXRoBOQAAE7Efg5oktV4uaCfEfsGVH5DAb271yq0YuWbKlJu\u002FkXbHIkua1Vd5MfvpvFTTFwqiUD4cvGEu6WplttY14xaaG5qzof2LLtS+o9BwxMDMlmJkzWUl8QAAEQEAQcDpZKYk57pzlhkMLxkJ6S9gpY9KF1OO1xMSMYtNrKw2K8d67L7n40kmqRBup+zss5cO0jHTN9jjhBOfrF1Xi2KBLS5fcFy8Us0GsOo\u002FJUhMG96gsNjb9GpTBZd8RQM\u002FuS6D64Nk30uSQf4dN9NtmfU5aZTXL6tans\u002F69c5vZ7m+vhK0R0\u002Fy7VVcU7qyu9Ip9fvi7h0O3PN9\u002FiMhrvrlTPiCzX2BY6uFpX50d\u002F8nxice\u002Fn7JtRTA5WZ3Ne1y0bdxDrQ2Fa0vFqZZToktfea+BmjNFG4hBAAQ8lYDTyUrlgzC7vpAbDgkJT95vWgJerNEq2+FpWricGR2FAKUxX1vJb9ktYgOWdsCMCQ+Tm625aNv56XJ5g2+qU+lo9eFQsq5lg5K4BAEQcFoCP5xuO3xQDqfZUkhy5Y4+5+CtH7o59LaTFcnZ7ISgh1LDNk21aU2lcQ\u002FjN43blhL20NjgmSkTM5ZI\u002Fx5UnP5ReexlP9+BQwL9fGjl9prctLbrhAxZMjplfHPhqpq8I53sVEt\u002FatHsPJFd8\u002FJBawe200YQQMDVCWD8lghIrxFLRZzrnoZtpt5QzJcPWjwWR3EqJFN7GqPC3MRo0nRHXeHMEW9gIKR2R3PHGwl\u002Ftx4UHeR8fiwRE7IfxhUttHTWur4aUiAAAm5L4JeT\u002FOYukMMkviRxRH99zoIBv+ze1GtyX2AKj1a6tq96cTxb\u002Fvi7+Kp8th+c5nXmJ7KcHGkNJc1RBi\u002FZee0dPWmwfMM7cgKTjuzySgfVjiyh+twqy7p6mDrcA\u002F1eTR3VcrCeHVo5ImC3ZspHZZPffZ7N6Js\u002FXz6vqoILEAABTyPgWrKSOoXXlXDrnUk5KD+8xovSyiEq76ij3GoQnnS5NmFnnqvsmsJSyE2k1Ils4pbC+c4d9zvD95frjiXiopbtGVdu0GmsryNkTEiwvtM+S\u002FHzO5Vj67ORoGNPJuD2cw9bMPHlTDks78\u002FmOyFQn5MZ2V0vhLSXm5AW9rM6bPlj45W7Ojd0WzPLaZGPLmfd6T4j\u002FB+RPOZ3bykKKNO6srpEV0XVawfvEuI1NzMy2pdov2V+fL+pQ8axvereDz0VMJYWvdJJZSf9RgABEPBUAk4nK7ksMycE5xv8HKKhTTFT8SOEoSFBRKy53B5Hny4Xo2pFKHmTTe+noWLL+vpFKltVp11SM+erZE1ymNE6zpjiOHaeJR2Hk4aSowp0TjpGDAsEQEBP4L4JOtunPjHgIUkvej00m1lGJwwVFW61NLcozg8KHD9J5N89+kWDvF\u002Fn5jcnmVKkN\u002Fwm\u002FMLoL95LOS\u002FepCbMIXOGJ08dQMt0cT3q7y\u002F\u002FE+JLZAsovYkAAiDgngRsmJX8TrChaO8U4bY95jtWS0CRw4WgCYEo7paXCqthw7GSahI3M0YeMBWXh5JJzsIYhQRk5\u002FtQkRpv7pydxhNF2uqchZaUJdWU60qItuSEfuVkdFr5nsQxtF\u002Fuo5dHxc2cNFMRGo+XaInCTa+4ZZSkw1C54+mwjcpYyKD6WDlx45IXq7SEhIeyYRvfRA4IgIBzEhg+V2f71CdGz5L0oNes9cwyOjeSkPaa7Olnnpxe8eTEspwKvqaTDJi2MmAIn1bDrroNOTW1Vxo+TfuOH0VJc70XLRhFvxSh83zO5QPUDhnot3EzO+eS3gocwf7xaDz9cxO9IKTpZBvbchTpE8IvEYEACHgqAfZmcLe5M50Urj67J2hJfjn\u002FxUXZDrqhjp+ObnrHDwXC1C2Vg0zSGbrI6V1CuDuesG1AexJt\u002FwlGKnC59uXCl8iNUzFaqvhxSN6+IjIpo\u002FMNf\u002FhHUUEk6Qj5ZDeR14zXlYoiijhktO2zUFRDEgRAoCcEfL2CRngFDRXv35400I06p1sOUkXIKtw9+NfL7JuQfuMjXl0iVljeLdvV8Gx8TdbBTmG2fCg1dBUVo6Icj7sqz6XtonrU64nNYbGSNZQ8tDTwUXq3onnx3DNvrC17Nov55KetGC3JWnoLAQRAwBMJOOC1xgyBXNCobGw25di0wo95ty08qsZ9u4tJWMJ0w7cb\u002F0FFfT1t7rvW3L6xGeysyoSIkAZ9NSl1amduNdWURtuApNuWvxr3bcrRMrFIvfPFqTEmZatogalh3RpNkWUlZpJa\u002FCykdJK8QfWL9XrbKm+K4yLxhqe183uIQAAEHENg0q8\u002FKp7yUWqv+AgmDWSnmrN5eD01RbcvaED0pvE7Uwcof8Wnn7\u002FPgh2ROw1\u002FjPFaYRo7bt1vzgPrZwewZsQnMPKNwoGP+pOO2luHj3SwUy0zI7bMURQQxRCDAAh4FgEHyEqqxsQel+7Hps53pL5mnSSl\u002Ft\u002Fw5FU677apR8UEH4lbrTfmlWWK6usuJh1SONblcyUNHcTK7qImbygmRTkLF\u002FMWaFq3E5ylDRZQWlCHynFSIyKdRXw2MzfGpGuoW58qS4V3XlnWhjTf+qMvV3a0mHAbKp2pIczYjOwEoTj5dCTRTwdDTK8u1beKFAiAQJ8RGJZ4YJrmexbyV1g971xXeHLiCHnEvqGpxx\u002F\u002F7Pj4z85Gp\u002FJlkfKNgHErHt9\u002Flt365Dg7mfLLsujU2cN85Nvy9wPL+ABKtob5yVni22\u002F8+Nyy6BJWd\u002FyX30\u002FZtuABLK8UZBCDgAcTcICstDNNqr3kRYpMp1oxEDJdlbCdKird1p+SmVJ1tbda1+xWskmSWdxWqsuXalF9ZltQ+dO1eeJXJXnLTINyKGyZozh4SFeY2SOzE6hC7YaylIUya3wh+6HIrUtk0yz3p5tFxO+amBfFxceHCARAwD0JDBgYOHCgrzcx8b8B9NaQQPlkStLd\u002F\u002Fn4sboD7+tuPVEeMQiAgLsRcH5Z2T3iTDnxjTtscSSToaofezTVFhN2QjjaUV2Z2LJzKn3y4pyQbeUGXmk6JDpmtu5z017mn+a2XssjoeXFgEWslsu0PQQQAAEQAAEQAAEQ6AMC7iYr+wChYZdMp6qkHlOKGdEsNqtxmQhmbnHDtnpyjTogAAIgAAIgAAIg0BcEICv7gjr6BAEQAAEQ8GQCmDsIuCkByEo3fbCYFgiAAAiAAAiAAAj0LgHIyt7ljd4cSQBtgwAIgAAIgAAI9CEByMo+hI+uQQAEQAAEQMCzCGC27k0AstK9ny9mBwIgAAIgAAIgAAK9RACyspdAoxsQcCQBtA0CIAACIAACfU8AsrLvnwFGAAIgAAI1WW\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\u002F\u002F+0W8e4AAAAGSURBVAMA3yuxOsefLesAAAAASUVORK5CYII=\">\u003C\u002Fp>\u003Cp>单季挂牌破千亿，意味着个贷不良和对公不良的转让已经常态化。值得注意的是个贷批转的放量——消费贷、经营贷、信用卡不良批量打包转让，起拍价普遍在本金1折以内，这既反映了市场对个人信用类资产回收率的悲观预期，也说明银行的出表意愿极其迫切。\u003C\u002Fp>\u003Cp>把银登数据放回系列语境：兴业银行把15.13亿债权挂在公告上48小时完成转让，不是孤例，是1275则公告里的一则。\u003Cstrong style=\"color: rgb(192, 57, 43);\">个案的\"快\"，背后是整个转让基础设施的成熟。\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>五、3600亿增资：给\"清淤\"补弹药\u003C\u002Fh2>\u003Cp>出清的另一面是补给。\u003C\u002Fp>\u003Cp>2026年，监管层面向8家金融央企宣布合计增资\u003Cstrong style=\"color: rgb(192, 57, 43);\">3600亿元\u003C\u002Fstrong>，补充核心一级资本。这笔钱的去向主要是国有大行和头部AMC体系。\u003C\u002Fp>\u003Cp>为什么\"清淤\"需要\"补弹药\"？逻辑链条是这样的：\u003C\u002Fp>\u003Cul>\u003Cli>1. 核销消耗利润和拨备——拨备是资本的一部分；\u003C\u002Fli>\u003Cli>2. 折价转让不良产生账面损失——同样侵蚀资本；\u003C\u002Fli>\u003Cli>3. 资本充足率有监管红线——出表力度大，资本补充必须跟上；\u003C\u002Fli>\u003Cli>4. \u003Cstrong style=\"color: rgb(192, 57, 43);\">增资3600亿，本质上是为更大规模的出清预留空间。\u003C\u002Fstrong>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>对市场的信号意义在于：这不是一次性的\"大扫除\"，而是有资本安排支撑的\u003Cstrong style=\"color: rgb(192, 57, 43);\">持续性出清周期\u003C\u002Fstrong>。上半年2000亿只是开始，下半年的处置规模大概率只增不减。\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>六、对从业者和普通人，各意味着什么\u003C\u002Fh2>\u003Cp>最后落到两个视角。\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"color: rgb(31, 78, 121);\">对不良资产行业从业者：\u003C\u002Fstrong>\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong style=\"color: rgb(31, 78, 121);\">供给端在放量：\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>大行对公包+中小银行合并剥离+个贷批转，三类资产同时放量，收包端的选择空间显著扩大；\u003C\u002Fli>\u003Cli>\u003Cstrong style=\"color: rgb(31, 78, 121);\">价格端继续分化：\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>优质区域抵押类资产竞争激烈、折扣收窄；个贷和弱区域资产折价深、但处置难度大；\u003C\u002Fli>\u003Cli>\u003Cstrong style=\"color: rgb(31, 78, 121);\">能力要求在变化：\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>中小银行合并产生的不良，很多是\"弱区域+弱担保+弱信息\"的三弱资产，对尽调和属地化处置能力要求更高。\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong style=\"color: rgb(31, 78, 121);\">对普通人：\u003C\u002Fstrong>\u003C\u002Fp>\u003Cul>\u003Cli>存款安全性与401家合并无直接关联——吸收合并中存款由承接行完整继承，受存款保险保障；\u003C\u002Fli>\u003Cli>如果你的贷款银行被合并，还款账户、合同主体可能变更，留意承接行的正式通知即可；\u003C\u002Fli>\u003Cli>名下有逾期贷款的，注意债权受让方可能变更——你的债权人在银登中心转让后可能从银行变为AMC或地方资管，催收与协商的对象会变，但债务本身不会消失。\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>结语\u003C\u002Fh2>\u003Cp>半年2000亿出表、401家银行合并、1275则转让公告、3600亿资本补充——四个数字放在一起，就是2026年中国银行业\"大扫除\"的完整画面。\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"color: rgb(192, 57, 43);\">银行在加速卖，卖出去的资产正源源不断流向AMC。那么AMC接得住吗？接住之后怎么消化？这是第03篇《AMC千亿入场》要回答的问题。\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cimg src=\"https:\u002F\u002Fres.debtop.com\u002Fmanage\u002Flive\u002Fvideo\u002F202609\u002F14\u002F20260914153808064ac79cff994502.png\">\u003C\u002Fp>\u003Cp>\u003Cspan style=\"color: rgb(87, 107, 149); background-color: rgb(234, 242, 248);\">#不良资产\u003C\u002Fspan> \u003Cspan style=\"color: rgb(87, 107, 149); background-color: rgb(234, 242, 248);\">#银行业\u003C\u002Fspan> \u003Cspan style=\"color: rgb(87, 107, 149); background-color: rgb(234, 242, 248);\">#银行出表\u003C\u002Fspan> \u003Cspan style=\"color: rgb(87, 107, 149); background-color: rgb(234, 242, 248);\">#村镇银行改革\u003C\u002Fspan> \u003Cspan style=\"color: rgb(87, 107, 149); background-color: rgb(234, 242, 248);\">#银登中心\u003C\u002Fspan> \u003Cspan style=\"color: rgb(87, 107, 149); background-color: rgb(234, 242, 248);\">#金融风险\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>你可能还想问（FAQ）\u003C\u002Fh2>\u003Cp>\u003Cstrong>Q1：2026年上半年六大行处置了多少不良资产？\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>A：据智收云平台收录的债权公告统计，2026年上半年六大国有银行合计核销及转出不良资产超2000亿元，其中工商银行约819亿元居首。该数字为核销与转让两条路径的合计口径，各行明细以中报披露为准。\u003C\u002Fp>\u003Cp>\u003Cstrong>Q2：401家中小银行\"消失\"是怎么回事？储户存款安全吗？\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>A：2026年内已有401家农商行、农合行和村镇银行公告合并或解散，其中村镇银行251家。绝大多数是被吸收合并进更大的银行，存款由承接行完整继承并受存款保险保障，属于风险化解而非银行倒闭。分省看甘肃66家、吉林57家、贵州40家、四川34家。\u003C\u002Fp>\u003Cp>\u003Cstrong>Q3：银登中心的不良贷款转让数据说明了什么？\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>A：2026年内银登中心已披露1275则不良贷款转让公告，仅二季度就挂牌502单、金额约1011亿元，同比增长14.6%。单季破千亿说明不良贷款转让已常态化，银行出表意愿强烈。\u003C\u002Fp>\u003Cp>\u003Cstrong>Q4：银行为什么加速出表不良资产？\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>A：三个驱动：①监管要求做实资产质量，拨备充足的大行有空间大力度核销；②现房销售等地产新政拉长房企回款周期（中信证券测算项目IRR从15.8%降至3.6%），银行对涉房风险\"等不起\"；③3600亿金融央企增资为持续出清预留了资本空间。\u003C\u002Fp>\u003Cp>\u003Cstrong>Q5：核销和转让有什么区别？出表后债务就消失了吗？\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>A：核销是用利润冲销账面损失，债权仍在（账销案存，银行保留追索权）；转让是把债权打折卖给AMC等受让方。出表只是让资产离开银行资产负债表，债务人的还款义务不会消失，债权受让方（可能是AMC）将继续追偿。\u003C\u002Fp>\u003Cp>\u003Cstrong>Q6：中小银行合并对普通储户和借款人有什么影响？\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>A：储户存款由承接行完整继承，存款保险保障不变；借款人的贷款合同继续有效，还款账户和合同主体可能变更，以承接行正式通知为准。逾期的借款人注意：债权可能被转让给AMC，未来协商对象可能变化。\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>本文数据来源：智收云平台收录的债权公告，银登中心公开披露数据，上市银行2026年中报。各行明细以官方披露为准。本文仅供内容创作参考，不构成投资建议。\u003C\u002Fp>\u003Cp>\u003Cspan style=\"color: rgb(15, 17, 21);\">相关阅读： \u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fwww.debtop.com\u002F?source=WxOA\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: rgb(102, 163, 224);\">不良资产处置\u003C\u002Fa>\u003Cspan style=\"color: rgb(102, 163, 224);\">｜\u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fwww.debtop.com\u002Fcount\u002Fprimary-market?source=WxOA\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: rgb(102, 163, 224);\">银行业\u003C\u002Fa>\u003Cspan style=\"color: rgb(102, 163, 224);\">｜\u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fwww.debtop.com\u002Famc\u002F37052595186944?source=WxOA\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: rgb(102, 163, 224);\">中国信达\u003C\u002Fa>\u003Cspan style=\"color: rgb(102, 163, 224);\">｜\u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fwww.debtop.com\u002Fcount\u002Famc-disposal-investment?source=WxOA\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: rgb(102, 163, 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rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: rgb(102, 163, 224);\">资产管理公司 \u003C\u002Fa>\u003Cspan style=\"color: rgb(102, 163, 224);\">｜\u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fwww.debtop.com\u002Fcount\u002Fprimary-market?source=WxOA\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: rgb(102, 163, 224);\">银行出表\u003C\u002Fa>\u003Cspan style=\"color: rgb(102, 163, 224);\">｜\u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fwww.debtop.com\u002Fnpl?source=WxOA\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: rgb(102, 163, 224); background-color: rgb(255, 255, 255);\">对公不良债权公告数据库\u003C\u002Fa>\u003Cspan style=\"color: rgb(102, 163, 224);\">｜\u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fflow.debtop.com\u002Fdelegation?source=WxOA\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: rgb(102, 163, 224); background-color: rgb(255, 255, 255);\">流水委托调取\u003C\u002Fa>\u003Cspan style=\"color: rgb(102, 163, 224);\">｜\u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fflow.debtop.com\u002F?source=WxOA\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: rgb(102, 163, 224); background-color: rgb(255, 255, 255);\"> 资金流水分析\u003C\u002Fa>\u003Cspan style=\"color: rgb(102, 163, 224);\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.debtop.com\u002F?source=WxOA\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"color: rgb(136, 136, 136); background-color: rgb(255, 215, 213);\">\u003Cstrong>关注智收云，获取更多不良资产深度分析。\u003C\u002Fstrong>\u003C\u002Fa>\u003C\u002Fp>\u003Cp>\u003Cimg src=\"https:\u002F\u002Fres.debtop.com\u002Fmanage\u002Flive\u002Fvideo\u002F202608\u002F31\u002F20260831152726dadb33f7c908499a.jpg\">\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong>往期推荐 \u003C\u002Fstrong>RECOMMEND\u003C\u002Fp>\u003Cp>\u003Ca href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MzkzNTkxMzg0OA==&mid=2247484346&idx=1&sn=25c0dd7d5a8f4405f01b21417b530b90&scene=21#wechat_redirect\" rel=\"noopener noreferrer\" target=\"_blank\">智收云获国家个人信息保护认证，合规能力获权威认可\u003C\u002Fa>\u003C\u002Fp>\u003Cp>\u003Ca href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MzkzNTkxMzg0OA==&mid=2247484435&idx=2&sn=5a693336f2270ad5f0b4a6acda5dbd0a&scene=21#wechat_redirect\" rel=\"noopener noreferrer\" target=\"_blank\">不良资产处置进入“一键穿透”时代，智收云四大产品矩阵全解析\u003C\u002Fa>\u003C\u002Fp>\u003Cp>\u003Ca href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MzkzNTkxMzg0OA==&mid=2247484435&idx=4&sn=2a5e771695da4c375eb2ee2e246c8943&scene=21#wechat_redirect\" rel=\"noopener noreferrer\" target=\"_blank\">不良资产处置数字化提速，智收云如何成为“律师追债的神器”？\u003C\u002Fa>\u003C\u002Fp>",[],{"url":17,"page_info":18,"share_card":21},"https:\u002F\u002Fwww.debtop.com\u002Findustry\u002Fnews\u002F100165",{"title":6,"keywords":19,"description":20},"六大行半年\"清淤\"超2000亿，401家银行\"消失\"： 出表正在加速,六大行半年\"清淤\"超2000亿，401家银行\"消失\"： 出表正在加速,公告,不良资产处置,债权清收,资产管理政策","这是《不良资产半年账本》系列第02篇（上篇·银行卖方侧）。第01篇我们拆了一单2.56亿的AMC处置案例；这一篇把镜头拉到全行业——半年2000亿的出表规模、401家消失的中小银行、1275则转...",{"title":6,"desc":20,"link":17,"link_copy":22,"imgUrl":7},"好友分享了一篇资讯：六大行半年\"清淤\"超2000亿，401家银行\"消失\"： 出表正在加速，点击查看：https:\u002F\u002Fwww.debtop.com\u002Findustry\u002Fnews\u002F100165"]