Core Insights - The article discusses the ongoing reform and risk mitigation efforts in small and medium-sized banks, particularly focusing on the recent acquisition of three village banks by Zhongyuan Bank, which will convert them into branch institutions [1][2]. Group 1: Acquisition Details - Zhongyuan Bank plans to acquire Puyang Zhongyuan Village Bank, Mengjin Minfeng Village Bank, and Luan County Minfeng Village Bank for a total consideration of 782 million yuan [1][2]. - The acquisition involves purchasing shares from other shareholders, with specific share prices set at 1.33 yuan, 2.99 yuan, and 4.25 yuan per share for the respective banks [2]. Group 2: Structural Changes in Village Banks - The restructuring of village banks is accelerating, with 98 village banks exiting the market in the first half of 2025 [1][4]. - The "village-to-branch" reform is seen as a way to enhance service capabilities and risk resistance of village banks, allowing for more efficient reform and risk mitigation [3][4]. Group 3: Industry Trends - The number of village banks is decreasing, with 1,440 banks remaining as of June 2025, down from 1,538 at the end of 2024 [4]. - Major banks, including city commercial banks and rural commercial banks, are leading the "village-to-branch" initiative, with state-owned banks also participating for the first time [4]. Group 4: Future Outlook - Experts predict that the pace of structural reorganization among village banks will accelerate, with a focus on returning to core functions and mitigating risks [5]. - There is a call for guiding opinions to help village banks focus on serving rural revitalization and small enterprises [5][6].
斥资7.82亿元！中原银行拟合并3家村镇银行，“村改支”渐成潮流？