2020年，受疫情冲击和外部环境不确定性等因素影响，不良资产规模持续增长。商业银行不良贷款规模持续攀升，不良贷款率仍然处在高位；非银行金融机构和非金融企业都成为不良资产供给重要来源。面对巨大供给，不良资产市场参与主体呈现多元化格局，市场竞争加剧，资产包成交规模增长，价格下行趋势明显。从供给视角来看，2021年，由于整体市场环境的变化等因素，不良资产规模呈扩大趋势；从处置视角来看，需要多方发力加大不良处置力度，探索风险化解新路径；从市场视角来看，不良资产管理行业机遇与挑战并存，需要在变局中把握投资机会。
In 2020，affected by the impact of the epidemic and the uncertainty of the external environment，the scale of non-performing assets will continue to grow. The scale of non-performing loans of commercial banks continues to rise，and the non-performing rate is still at a high level；non bank financial institutions and non-financial enterprises have become an important source of supply of non-performing assets. In the face of huge supply，non-performing assets market participants present a diversified pattern，market competition intensifies，asset package transaction scale increases，and the price downward trend is obvious. From the perspective of supply，the scale of non-performing assets in 2021 shows an expanding trend；from the perspective of disposal，it is necessary to increase the strength of non-performing assets disposal and explore new ways to resolve risks；from the perspective of market，opportunities and challenges coexist in the non-performing assets management industry，and investment opportunities need to be grasped in the changing situation.
