以下为原文： 国家金融监督管理总局遵义监管分局 行政处罚信息公开表 (遵金罚决字〔2026〕 7-10号) | 序号 | 当事人名 | 行政处罚决 | 主要违法违 | 行政处 | 作出决 | | --- | --- | --- | --- | --- | --- | | | 称 | 定书文号 | 规行为 | 罚内容 | 定机关 | | 1 | 绥阳黔北 村镇银行 | 遵金罚决字 (2026) 7 | | 罚款30 | | | | 有限责任 | | | 万元 | | | | 公司 荷物波 | 를 | | | | | | (时任绥 阳黔北村 | 遵金罚决字 | | | | | 2 | 镇银行有 | (2026) 8 | | 警告 | | | | 限责任公 | 를 | | | | | | 司营销团 | | | | | | | 队经理) | | 贷前调查不 | | | | | 李瑶(时 | | 尽职,严重 | | 遵义金 | | | 任绥阳黔 | | 违反审慎经 | | 融监管 | | | 北村镇银 | 遵金罚决字 | 营规则 | | 分局 | | 3 | 行有限责 | (2026) 9 | | 警告 | | | | ...

Core Viewpoint - The article discusses the increasing trend of personal non-performing loan (NPL) transfers in the banking sector, driven by regulatory changes and the rising pressure of bad debts on financial institutions [1][5]. Group 1: Market Dynamics - The personal NPL transfer market is experiencing a surge, with transaction volumes rising from 186.48 billion in 2021 to 965.30 billion in 2023, and projected to reach 1583.50 billion in 2024 [3][4]. - As of January 22, 2026, there were 20 new announcements for personal NPL transfers within the month, indicating heightened activity in the market [2][8]. - The average discount rate for personal NPL packages has significantly decreased, with rates dropping from 8%-10% before 2023 to around 5% in 2026 [10][11]. Group 2: Regulatory Impact - A regulatory notification extended the trial period for bulk transfers of personal NPLs until December 31, 2026, allowing a wider range of financial institutions to participate in the transfer process [2][4]. - The expansion of trial institutions to include city commercial banks and rural commercial banks has led to a notable increase in the volume of NPL transfers [5][17]. Group 3: Borrower Profile and Economic Context - The borrower demographic for personal NPLs includes failed entrepreneurs, unemployed individuals relying on credit cards for living expenses, and consumers with excessive debt [4][20]. - The economic backdrop, characterized by macroeconomic fluctuations and income instability, has exacerbated the bad debt situation, compelling banks to offload risk assets [5][20]. Group 4: Challenges in Asset Recovery - The recovery rates for NPLs have declined, with some packages facing average recovery rates below 6%, marking the lowest in five years [12][13]. - Financial institutions are facing challenges in asset valuation and recovery due to incomplete documentation and inefficient legal processes [26][28]. Group 5: Strategic Adjustments - Banks are adapting their strategies by improving the quality of NPL packages, such as reducing overdue times and increasing the concentration of borrowers in economically developed areas [24][25]. - There is a push for enhanced transparency and standardization in the NPL transfer process to improve market confidence and asset pricing [28].

特殊支付安排 贵州银行公告显示，该行与龙里国丰村镇银行签署的存款承接协议于2026年1月12日签署确认协议后生 效。根据协议，自承接日起，龙里国丰村镇银行就标的存款项下形成的债务及相关权利，由贵州银行承 接。截至承接日，标的存款本息总额共计19.13亿元，扣除龙里国丰村镇银行随债务承继的相关权益 后，最终承接对价为18.49亿元。 外界对于此次交易关注的焦点在于支付安排。贵州银行并非直接支付现金，而是通过获取一项信托计划 的受益份额来完成对价支付——龙里国丰村镇银行以资产收益权委托设立信托计划，贵州银行则以承接 存款形成的债权领受相应信托计划受益份额，用以支付承接存款的对价。 "也就是通过债权置换信托计划受益份额，不直接以现金支付，跳出'股权并购+现金承接'的传统框架， 无需复杂股权谈判即可快速承接存款债务。"国家金融与发展实验室副主任曾刚向记者介绍。 天眼查信息显示，龙里国丰村镇银行成立于2008年12月，由贵州银行作为主发起行设立，其股东包括贵 州银行（持股25.36%）、贵州贵明实业股份有限公司（持股8.93%）、贵定县国有资本营运有限责任公 司（持股8.93%）等。 近日，一宗涉及19.13亿元存款的 ...

近日，一宗涉及19.13亿元存款的承接交易，因其"非现金"支付安排引发市场关注。根据贵州银行发布 的公告，该行主发起设立的龙里国丰村镇银行以资产收益权委托设立信托计划，贵州银行以通过承接该 村镇银行全部存款所形成的债权，领受相应信托计划受益份额，并以此完成交易支付。 业内人士认为，这相当于一笔"不付钱"的承接：村镇银行未实际移交存款，贵州银行也暂未支付大额对 价。2026年以来，村镇银行改革持续深化，多家主发起行通过"村改支"等方式推进整合。此次交易被视 为中小银行改革化险中的创新性尝试：在实现存款债务平稳过渡的同时，借助信托工具隔离潜在资产风 险，并缓解主发起行的即时资本与流动性压力。不过，风险并未消失，只是发生了形态转换，其最终处 置成效仍待市场检验。 ● 本报记者 吴杨 特殊支付安排 就引入信托工具的具体考量，记者联系贵州银行采访，截至发稿时未获该行回复。 曾刚表示，这种模式可以避免主发起行大额现金支出，保护流动性和资本充足水平；同时，凭借信托财 产独立性将村镇银行的质地不均的资产包（主要是贷款）隔离在自身资产负债表之外，构成"无现金、 不并表"的处置新模式。"这既为处置潜在不良资产提供了缓冲空间，又能 ...

黔南州福泉市城市集中供热工程项目建设工地上，管网铺设、设备安装、系统调试……各项工作紧锣密 鼓进行。 2025年11月21日，贵州银行向项目发放的首期1.2亿元贷款顺利到位，"冬季寒潮来临前，要保证供暖到 位，贵州银行的贷款，为项目攻坚建设提供了加速度。"项目负责人说。 金融"及时雨" 破解民生"急难愁盼" "冬季供热是北方地区的老话题，却是南方部分区域提升生活质量的新课题。保证群众温暖过冬，是最 基本的民生底线，也是我们金融机构服务地方、践行责任的关键着力点。"贵州银行调研团队深刻认识 到项目的紧迫性与重要性。座谈双方一致看好项目前景，并迅速达成共识：必须打通金融支持的快速通 道，护航项目按时保质完工。 总分支行"一盘棋" 抢出"贵州银行速度" 民生需求等不起，供暖工期拖不得。面对企业的迫切融资需求，贵州银行立即启动绿色通道和联动响应 机制。总行相关部门与黔南分行、福泉支行快速组成专项服务团队，前中后台紧密协同，围绕项目特 点、资金需求、还款来源、风险管控等进行全方位评估和方案设计。 项目本身资质优良、前景明朗——采用工业余热，契合"双碳"战略；属于重大民生基础设施，获得政府 强力支持；建成后在黔南州具有规 ...

Core Viewpoint - Guizhou Bank is set to assume all deposit liabilities of Longli Guofeng Village Bank, totaling 19.13 billion yuan, through a trust plan instead of cash payment, marking an innovative approach in village bank reforms [1][3][5]. Group 1: Transaction Details - The deposit assumption agreement will take effect on January 12, 2026, with a total principal and interest amount of 19.13 billion yuan, and a net consideration of 18.49 billion yuan after deducting related rights [1][2][5]. - The transaction involves Guizhou Bank receiving trust beneficiary shares in exchange for the debt it assumes, which is a rare method in village bank reforms [1][3][4]. Group 2: Strategic Implications - This approach is based on market-oriented and legal principles, aiming to protect the rights of all parties involved and maintain local financial stability [1][5][18]. - The trust structure allows for risk isolation, ensuring the safety of the trust beneficiary rights and optimizing liquidity, which aids in a smooth exit for the institution [6][8][18]. Group 3: Broader Context - Guizhou Bank is also consolidating several other village banks, having completed the acquisition of Tongren Fengyuan Village Bank in 2025 and planning to absorb three more banks pending regulatory approval [2][19][20]. - The bank's actions align with the ongoing nationwide reform of village banks, where over 200 banks have exited the market in the past year, with absorption and restructuring becoming mainstream [4][15].

Core Insights - Guizhou Bank's Qiandongnan Branch is focusing on providing specialized financial services to support the development of the glass industry in Kaili City, which is rich in quartz sand resources and has a significant share of the province's glass production capacity [1][3]. Financial Support for Key Enterprises - Qianbo Yongtai, a leading enterprise in the glass industry, is planning to build the province's first 1250 tons/day photovoltaic glass production line, requiring over 1 billion yuan in investment. The bank has provided 372 million yuan in loans to support this project, ensuring its successful construction and operation [2][3]. - Kairong Glass, a well-established local manufacturer, faced financial pressure due to the need for a significant investment in upgrading production lines to meet environmental regulations. The bank responded by providing a 19.5 million yuan working capital loan, enabling the company to complete its production line transformation [5][6]. Technological and Market Expansion - Guizhou Haisheng Glass, funded by Hebei Haisheng Industrial Group, is focusing on the research and production of ultra-thin float glass, with an expected annual output value exceeding 5 billion yuan upon completion of all production lines. The bank has provided 50 million yuan in credit support to meet the company's funding needs for research and equipment upgrades [6][7]. Industry Chain Development - The bank has extended its financial services beyond individual enterprises to the entire glass industry chain, providing 199 million yuan in credit support to over 20 related companies. This initiative aims to address the financial needs of upstream suppliers and downstream sales companies, promoting collaborative development within the glass industry cluster [7]. - The bank is committed to continuing its support for the local glass industry, focusing on high-end, green, and clustered development through a variety of financial products and efficient services [7].

Core Viewpoint - The reform process of small and medium-sized banks is accelerating, with innovative integration solutions emerging, particularly highlighted by Guizhou Bank's acquisition of all deposits from Longli Guofeng Village Bank through a trust-based debt exchange rather than traditional cash payment methods [1][2][10]. Group 1: Guizhou Bank's Acquisition Strategy - Guizhou Bank plans to assume all deposits from Longli Guofeng Village Bank, holding only 25.36% of its shares, and will not use cash for this transaction, opting instead for a "debt for trust benefit share" approach [2][10]. - The total amount of deposits and interest from Longli Guofeng Village Bank is approximately RMB 19.13 billion, with the acquisition price set at RMB 18.49 billion after accounting for related rights [9][10]. - This method is seen as a financial innovation that allows Guizhou Bank to manage risks without altering its equity structure or incurring cash expenses [24][25]. Group 2: Advantages and Risks of the Trust Model - The trust model significantly reduces liquidity pressure and enhances risk isolation, as it allows for the independent management of debts through a trust plan [5][25]. - The approach is faster and incurs lower transaction costs compared to traditional mergers and acquisitions, while also improving the safety of depositors' funds [25][30]. - However, there are concerns regarding the valuation of trust assets and potential shareholder disputes due to the lack of equity acquisition [25][26]. Group 3: Broader Industry Context - The reform of small and medium-sized banks is part of a larger trend, with over 300 village banks exiting the market by the end of 2025, reducing the total number to 1,282 [27]. - The regulatory framework is focused on accelerating the reform and risk management of small financial institutions, emphasizing the need for governance restructuring and business reorganization [28]. - Guizhou Bank's innovative approach may serve as a model for other banks facing similar challenges, particularly in regions with mature financial ecosystems [29][31].

Core Insights - Guizhou Bank's Qiandongnan Branch is focusing on providing specialized financial services to support the development of the glass industry in Kaili City, which is rich in quartz sand resources and has a significant share of the province's glass production capacity [1][2] Group 1: Financial Support for Key Enterprises - Qianbo Yongtai, a leading enterprise in the Kaili glass industry, is planning to build the province's first 1,250 tons/day photovoltaic glass production line, requiring over 1 billion yuan in investment, highlighting its urgent financing needs [2] - The bank has provided 372 million yuan in credit to Qianbo Yongtai, ensuring the smooth construction and operation of the production line, which now produces 1,250 tons of photovoltaic glass daily [2] - Kairong Glass, a long-established local manufacturer, received a tailored loan of 19.5 million yuan to support its transition to cleaner production methods, enabling it to meet environmental standards and improve product quality [3] Group 2: Technological and R&D Support - Guizhou Haisheng Glass, focusing on ultra-thin float glass, is expected to generate over 5 billion yuan in annual output once fully operational, but faces significant funding challenges for R&D and production line expansion [4] - The bank has provided 50 million yuan in credit to Haisheng Glass to support its R&D and equipment upgrades, ensuring the stable operation of its first 700 tons/day production line [5] Group 3: Industry Chain Development - The bank has extended its financial services to the entire glass industry chain, providing 199 million yuan in credit to over 20 related enterprises, addressing the financial needs of both upstream suppliers and downstream sales companies [6] - The "chain finance" service model has been introduced to support core enterprises like Qianbo Yongtai and Haisheng Glass, facilitating financing for their suppliers and sales partners [6] Group 4: Future Directions - The Qiandongnan Branch of Guizhou Bank plans to continue enhancing its financial services to support the high-end, green, and clustered development of the Kaili glass industry, aligning with the provincial strategy of "rich mineral resources and precise development" [7]

Core Insights - The report highlights the need for improved sustainable information disclosure capabilities among small and medium-sized banks in China, revealing significant disparities influenced by regulatory pressures, market listing status, and regional characteristics [1][9]. Group 1: Research Findings - Finding 1: There is a notable divergence between mandatory and voluntary disclosures, with listed banks generally having more robust frameworks due to external compliance pressures, while non-listed banks rely heavily on management's strategic vision [3][4]. - Finding 2: Regional characteristics shape disclosure practices, with banks in green finance reform pilot areas leveraging policy advantages to innovate in areas like green credit and carbon accounting [5][6]. - Finding 3: Common capacity bottlenecks include insufficient internal motivation, weak data foundations, lack of organizational structure, and inadequate integration of environmental risks into core processes [7][8]. Group 2: Recommendations - The report proposes a tiered capability enhancement roadmap, suggesting banks improve internal governance, develop comprehensive ESG risk management systems, and establish practical climate risk stress testing mechanisms [8][9]. - Specific actions include clarifying board responsibilities for ESG oversight, creating dedicated departments, and developing localized carbon accounting practices [8].