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 recent bankruptcy of Lianfeng Village Bank in Dalian has been managed with the deposits being safely assumed by Dalian Rural Commercial Bank, ensuring customer funds and transactions remain secure [1][2]. Group 1: Bank Bankruptcy and Resolution - Lianfeng Village Bank has entered bankruptcy proceedings as approved by the Dalian Financial Regulatory Bureau, with Dalian Rural Commercial Bank taking over its deposits and operations [1]. - Customers of Lianfeng Village Bank can continue their banking activities at Dalian Rural Commercial Bank without any disruption, as their account information has been successfully migrated [2]. - The transition includes the closure of Lianfeng's mobile and online banking services, with customers required to use Dalian Rural Commercial Bank's facilities for transactions [2]. Group 2: Financial Background and Ownership - 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 largest shareholder is Mongolian Merchant Bank, holding a 30% stake, which was created to address the financial risks of the former Baoshang Bank [4]. - Dalian Rural Commercial Bank reported total assets of 155.764 billion yuan as of March 2023, making it the largest banking institution in Dalian in terms of branches and personnel [2]. Group 3: Industry Context and Risk Management - The recent bankruptcy of Lianfeng Village Bank aligns with a trend of stable resolutions for small and medium-sized banks facing financial difficulties, as seen in previous cases [5]. - The People's Bank of China has rated the overall stability of banking institutions, indicating that while large banks are performing well, some rural and small financial institutions are still at risk [6]. - The regulatory environment is evolving to facilitate the restructuring and risk management of smaller banks, with a focus on improving governance and operational capabilities [5].