这家村镇银行进入破产程序！存款由千亿级农商行承接

Core Viewpoint - The Dalian Jinzhou Lianfeng Village Bank has entered bankruptcy proceedings, with its deposits being safely assumed by Dalian Rural Commercial Bank, ensuring customer funds and transaction security remain unaffected [1][2]. Group 1: Bankruptcy Announcement - On August 8, the Dalian Financial Regulatory Bureau announced the approval for Lianfeng Village Bank to enter bankruptcy proceedings [1]. - Dalian Rural Commercial Bank and Lianfeng Village Bank issued a joint statement confirming that customer deposits from Lianfeng would be transferred to Dalian Rural Commercial Bank [1][2]. Group 2: Customer Assurance - Customers of Lianfeng Village Bank can continue to access their funds and services through Dalian Rural Commercial Bank, with all customer information migrated to the new bank [2]. - The original banking services, including mobile and online banking, will cease, but customers can perform transactions at designated branches of Dalian Rural Commercial Bank [2]. Group 3: Financial Background - Lianfeng Village Bank was established in January 2010, with a registered capital of 114 million yuan and has provided nearly 3 billion yuan in loans to various sectors since its inception [3]. - The bank's total assets were reported at 2.259 billion yuan in 2016, with revenues of 84.058 million yuan and a net profit of 19.772 million yuan for that year [3]. Group 4: Shareholding Structure - Mongolian Merchant Bank is the largest shareholder of Lianfeng Village Bank, holding a 30% stake, and was established to address the financial risks of the former Baoshang Bank [4][5]. Group 5: Industry Context - The recent bankruptcy of Lianfeng Village Bank follows a trend of small and medium-sized banks undergoing bankruptcy proceedings, with previous cases in 2022 being handled smoothly [6]. - The People's Bank of China reported that while the overall banking sector remains stable, certain rural and small financial institutions are facing higher risks, with 11% of banks rated in the "red zone" indicating significant risk [7].