截至上半年 已有超50家被吸收合并——改革重组促村镇银行整合提质

Core Viewpoint - The recent approval by the National Financial Regulatory Administration for a state-owned bank to convert one of its village banks into a branch signifies a trend of consolidation and improvement within the village banking sector in China [1]. Group 1: Industry Trends - Over 50 village banks have been absorbed and merged into branches as of the first half of this year, indicating a significant trend towards industry consolidation and quality enhancement [1]. - The number of rural commercial banks, rural credit cooperatives, and village banks has decreased by 44, 41, and 98 respectively compared to the previous year, with village banks experiencing the most significant reduction [1]. Group 2: Reform and Restructuring - The establishment of village banks aimed to address financial service gaps in rural areas and enhance financial supply to support local economic development [1]. - The reform and restructuring of village banks are being advanced comprehensively, focusing on systemic mechanisms and corporate governance [1]. - Large banks are responding to the central government's call to expedite the resolution of high-risk small financial institutions, reflecting a coordinated approach to reform [2]. Group 3: Implementation Strategies - The restructuring of village banks should be approached cautiously, considering the risk levels and available resources of the initiating banks and local governments [3]. - The method of restructuring should vary based on the risk severity; for less severe risks, capital increases by the initiating bank may be considered, while more severe cases may require absorption mergers [3]. - The integration of business operations post-restructuring is crucial, as village banks differ significantly from branches in terms of organizational structure, business processes, and personnel configuration [3].