两年减超500家！中小银行重组加速，“抱团”组建市级农商行破局？

Group 1 - The core viewpoint of the articles highlights the ongoing reforms in rural credit cooperatives in Guizhou Province, with several cities and autonomous prefectures moving towards establishing unified municipal rural commercial banks [1][2][3] - The establishment of unified municipal rural commercial banks is seen as a way to enhance economies of scale, improve resource integration, and strengthen the financial capabilities of local institutions [4] - The reform process is accelerating, with multiple rural financial institutions in Guizhou announcing shareholder meetings to discuss the formation of new banking entities [2][3] Group 2 - The restructuring of small and medium-sized banks is expected to increase, with projections indicating that over 500 banks will be reduced through mergers and acquisitions between 2024 and 2025, primarily focusing on rural financial institutions [5] - The ongoing "village reform" initiatives are being supported by major state-owned and joint-stock banks, indicating a broader trend of consolidation in the rural banking sector [6] - The reform process is entering a "deep water zone," suggesting that the challenges faced by local financial institutions will require external resources for resolution, and the scope of risk mitigation may expand to include non-bank financial institutions [6]