又现破产案例，村镇银行退出的“少数派”

Core Viewpoint - The recent bankruptcy of Dalian Jinzhou Lianfeng Village Bank highlights the challenges faced by village banks in China, including weak capital, high non-performing loans, and limited regional operations, necessitating a shift towards refined management and specialized services for quality improvement [1][3][4]. Industry Challenges - Village banks are under pressure from economic downturns, intensified competition, and governance shortcomings, leading to a rise in non-performing loan rates and asset quality deterioration [1][5]. - The expansion of city commercial banks and large bank branches has further squeezed the market share of village banks, forcing weaker institutions to exit the market [4][5]. Bankruptcy and Restructuring - Dalian Jinzhou Lianfeng Village Bank officially entered bankruptcy proceedings on August 8, 2023, with its deposits being taken over by Dalian Rural Commercial Bank, ensuring customer funds remain secure [3][4]. - Historically, village banks have typically undergone absorption and merger as a means of survival, with bankruptcy being a rare occurrence [1][8]. Reform and Mergers - Recent trends indicate that absorption and merger have become the mainstream methods for village banks to mitigate risks, with several banks being absorbed by stronger institutions [6][7]. - The approval of major banks, such as Industrial and Commercial Bank of China, to acquire village banks marks a new phase in the reform of village banks, indicating a shift towards more market-oriented solutions [7][8]. Future Directions - The industry must focus on transitioning from scale integration to quality enhancement, emphasizing refined management, specialized services, and improved governance structures [9]. - Key strategies include maintaining a focus on supporting agriculture and small enterprises, controlling high-risk businesses, and enhancing digital service capabilities through intelligent risk control systems [9].