财经观察丨7家同日获批解散，山东村镇银行重组“疾行”

Core Viewpoint - The recent approval by the Shandong Regulatory Bureau of the National Financial Supervision Administration for the dissolution of seven village banks indicates a trend of consolidation and restructuring within the small and medium-sized banking sector in Shandong province [1][5]. Group 1: Bank Dissolutions - Seven village banks, including those with the "Yuanrong" name, have been approved for dissolution, with their assets, liabilities, and rights being transferred to corresponding banks [1]. - Among the dissolved banks, four are affiliated with Shandong Shouguang Rural Commercial Bank, which has a registered capital of 1.845 billion yuan [1]. Group 2: Shareholding Structure - Shandong Shouguang Rural Commercial Bank holds significant stakes in the dissolved banks, with ownership percentages of 41% in Wucheng Yuanrong Village Bank, 49.75% in Lingcheng Yuanrong Village Bank, 41% in Leling Yuanrong Village Bank, and 40% in Shandong Licheng Yuanrong Village Bank [4]. - The bank is the largest shareholder of Shandong Shouguang Jin Xin Investment Development Holding Group Co., Ltd., with a holding ratio of 7.55% [3]. Group 3: Industry Trends - The first half of the year saw a surge in merger and restructuring plans for small and medium-sized banks in Shandong, with multiple approvals for bank dissolutions and mergers [5]. - The trend of consolidation is part of a broader national movement aimed at reforming and managing risks in small financial institutions, as emphasized in recent regulatory meetings and government reports [6].