李云泽：中小金融机构减量提质成效明显，布局持续优化

Core Insights - The financial sector has made significant achievements during the "14th Five-Year Plan" period, with reforms in rural credit cooperatives and orderly restructuring of city commercial banks [1] - The development of joint-stock banks has been characterized by high-quality growth, while insurance and asset management institutions are returning to their core functions [1] - The number of small and medium-sized banks has been reduced, with a focus on improving quality and optimizing their layout [1] Group 1 - The reform of rural credit cooperatives has progressed rapidly, with over half of the provinces establishing provincial-level legal entities [1] - The restructuring of city commercial banks has been implemented in an orderly manner, contributing to the overall stability of the financial sector [1] - The financial regulatory authority has increased efforts in the merger and restructuring of small and medium-sized banks, ensuring that related risks remain controllable [1]