村改支！又注销36家！全国村镇银行改革重组加速

Core Viewpoint - The restructuring and reform of rural banks in China, including those in Qingdao, are accelerating, with significant actions such as mergers and dissolutions being undertaken to enhance financial stability and service quality [1][6][9]. Group 1: Mergers and Acquisitions - Qingnong Commercial Bank plans to absorb and merge Jinxiang Blue Ocean Rural Bank, Pingyin Blue Ocean Rural Bank, and Rizhao Blue Ocean Rural Bank, converting them into branch institutions [2][3]. - As of March 2025, the total asset scale of the three rural banks is approximately 5.432 billion yuan, with Jinxiang Blue Ocean Rural Bank holding assets of 3.798 billion yuan, Pingyin Blue Ocean Rural Bank 0.835 billion yuan, and Rizhao Blue Ocean Rural Bank 0.799 billion yuan [3][12]. - The merger will result in the cancellation of the legal status of the three rural banks, with all their business, assets, and liabilities being inherited by Qingnong Commercial Bank [3][12]. Group 2: Regulatory Environment - Since June 1, 2024, a total of 36 rural banks have canceled their financial licenses, a significant increase compared to only one cancellation during the same period last year [1][6]. - The regulatory authorities have emphasized the need for a steady advancement of rural bank reforms, encouraging mergers to optimize regional financial layouts [6][13]. Group 3: Impact on Financial Services - The restructuring is expected to enhance the risk resistance capabilities of rural financial institutions, as they will be integrated into larger financial entities [9][15]. - Analysts believe that merging rural banks into larger institutions will improve the quality and efficiency of rural financial services, allowing for better support of local economic development [9][15][16]. - The transformation of rural banks into branches will facilitate the establishment of more comprehensive information systems and risk control frameworks, thereby improving operational efficiency and risk management [16].