银行业金融机构半年减少225家

Core Insights - The number of banking financial institutions in China has decreased from 4,295 at the end of 2024 to 4,070 by June 2025, a reduction of 225 institutions [1] - Rural financial institutions have seen a significant decline, with a total of 222 institutions exiting the market in the first half of the year, including a decrease of 98 village banks [1] - The exit rate of rural financial institutions has accelerated, with a total of 283 institutions reduced from 2022 to 2024, indicating a trend of rapid contraction [1] Summary by Category Overall Banking Sector - As of June 2025, the list of banking financial institutions includes 1 development financial institution, 2 policy banks, 6 large state-owned commercial banks, and 12 joint-stock commercial banks [1] - The total number of banking institutions has decreased significantly compared to previous years, indicating a consolidation trend in the sector [1] Rural Financial Institutions - The number of rural commercial banks stands at 1,505, down by 58 from the previous year, while rural cooperative banks have decreased to 20, a reduction of 3 [1] - Rural credit cooperatives have seen a decline of 57, bringing their total to 401, and rural mutual aid funds have decreased by 6 to 15 [1] - Village banks have reduced to 1,440, marking a significant drop of 98 institutions [1] Trends and Causes - The acceleration in the exit of rural financial institutions is attributed to ongoing reforms in small and medium-sized banks, which include mergers and restructuring [2] - The approval of new provincial banks indicates a trend of "survival of the fittest" within the banking sector, where stronger institutions are favored over weaker ones [2]