Zheng Quan Ri Bao Zhi Sheng·2025-07-06 15:41Core Viewpoint - The approval of Industrial and Commercial Bank of China (ICBC) to acquire Chongqing Bishan Rural Bank and convert it into a branch signifies a beneficial exploration of reforming rural banks by state-owned banks, injecting new vitality into rural financial reform [1] Group 1: Company Perspective - ICBC's "village to branch" initiative is expected to integrate rural financial market resources, enhance operational efficiency, and reshape the rural financial system towards a healthier and sustainable direction [1] - As a state-owned bank, ICBC possesses strong financial strength, extensive operational channels, and a comprehensive risk management system, which will support the revitalization of the acquired rural bank [1] - The initiative aims to provide continuous financial support to local agriculture, small and micro enterprises, and inclusive finance, thereby improving the coverage and accessibility of rural financial services [1] Group 2: Industry Perspective - The "village to branch" model may become a trend in rural financial reform, addressing the limitations of rural banks such as insufficient risk resistance and limited brand influence [2] - The involvement of state-owned banks in reforming rural banks can mitigate immediate risks and enhance their market competitiveness and sustainable development [2] - Future efforts should focus on optimizing the allocation of rural financial resources, improving service quality, and supporting the implementation of rural revitalization strategies [3]