广东年内9村行获批合并，“亏损”行拟被收编，如何开新局

Core Insights - The Guangdong financial regulatory authority is focusing on the reform and restructuring of rural banks, with a goal to reduce the number of small financial institutions while improving their quality [1][2][5] - A total of 17 rural banks have been approved for restructuring, with 9 merging into larger banks and 2 dissolving [1][2][3] - The restructuring is part of a broader strategy to enhance the financial services network in economically developed areas of Guangdong, particularly in the Greater Bay Area [6][8] Summary by Sections Restructuring of Rural Banks - The Guangdong financial regulatory authority has approved the dissolution of 2 rural banks and the absorption of 9 others into larger banks as part of the ongoing reform efforts [1][2] - As of now, 17 rural banks have either been approved or completed their restructuring into branches of larger banks [2][3] Involvement of Larger Banks - The absorbing banks include several city commercial banks, with Shunde Rural Commercial Bank absorbing the most at 6 rural banks [3][4] - Other banks involved include Dongguan Bank (3), Guangzhou Rural Commercial Bank, Jiangmen Rural Commercial Bank, and Dongguan Rural Commercial Bank (2 each), and Huaren Bank and Nanyue Bank (1 each) [3] Strategic Goals - The restructuring aims to optimize resource allocation and enhance the strategic layout of the banks involved, allowing them to better serve their customers [5][6] - The restructuring also facilitates cross-regional expansion, enabling banks to establish branches in new areas [6] Financial Performance Challenges - Some rural banks are facing financial difficulties, with reported losses and high non-performing loan rates, which may impact the performance of the absorbing banks [7] - For instance, Jiangmen Rural Commercial Bank's target for absorption, Longchuan Ronghe Rural Bank, reported a loss of 17.53 million in 2022 and a non-performing loan rate of 4.49% [7] Broader Context - The restructuring of rural banks is part of a larger reform initiative within the Guangdong rural financial system, which aims to create a competitive market structure [8] - The Guangdong Provincial Association has indicated plans to establish a rural commercial bank union as part of its reform strategy [8]