Sunline has successfully supported Xiangjiang AMC (湘江资产) in launching a fully digital personal NPL management platform, along with its companion “湘信还 (XiangXinHuan)” WeChat mini program. This marks a milestone in Xiangjiang AMC’s digital strategy, raising the bar for scalable, efficient, and transparent NPL operations in the asset management space.
China’s Personal NPL Market Enters the Digital Fast Lane
As personal personal non-performing loan (NPL) transactions in China are projected to surpass RMB300 billion by 2025, asset management companies face rising urgency to digitize operations for greaterefficiency, compliance, and recovery outcomes.Sunline stands at the forefront of this transformation, empowering leading AMCs like Xiangjiang with robust, intelligent platforms purpose-built for the complexities of personal NPL management.
Xiangjiang AMC’s Digital Breakthrough — Powered by Sunline
This joint platform delivers transformative upgrades:
End-to-End Digital Workflow:From due diligence to risk controls and online resolution, the system replaces fragmented, manual processes with a fully integrated digital model.
Smart Accounting Automation:Business and finance systems are connected to enable real-time revenue calculation and transparent fund tracking.
Open API Architecture:Ready for future integration with financial and legal partners, building a collaborative ecosystem for distressed asset management.
Meanwhile, the “湘信还 (XiangXinHuan)” mini program in Wechat complements this system by simplifying user interactions—supporting debt lookups, account access, agreement signing, and settlement certificate requests—all via mobile.
About Xiangjiang AMC - Largest Licensed AMCs in Huanan Province, China
Changsha Xiangjiang Asset Management Co., Ltd. (湘江资产) is one of the largest licensed local AMCs in Hunan Province,Chinamanaging overRMB10 billion in assets across financial, real estate, and personal NPL portfolios. Backed by the Hunan provincial government and holding a full asset management license, Xiangjiang AMC plays a critical role in regional financial risk mitigation and asset revitalization.
By investing in modern, digital infrastructure, the company is positioning itself as apioneer in the evolution of personal NPL resolution in China.
Why Sunline? Proven AMC Expertise
With a strong foundation in R&D, Sunline is driving the digital transformation of personal NPL management—empowering AMCs with future-ready platforms built for scale, intelligence, and compliance.
- 30+ AMCs Nationwide: Partnered with top-tier national and regional asset management companies
- Proven NPL Expertise: In-depth understanding of digital collections, risk control, and resolution strategies
- Advanced Architecture: AI-powered, API-driven platforms designed to meet evolving regulatory demands
- Since 2020: Delivering structured, end-to-end systems that streamline operations and boost recovery efficiency
Looking Ahead
As digital becomes the new standard in distressed asset management, Sunline continues to lead the way with innovation, reliability, and deep domain expertise. Looking ahead, Sunline will continue advancing AI and big data applications in NPL management—driving innovation in risk control, asset valuation, and digital inclusion.
