两家银行，同日获批解散！

Core Viewpoint - Two rural commercial banks in Shaanxi have been approved for dissolution, indicating a rapid reform in the rural credit system in the region [1] Group 1: Bank Dissolution and Formation - The Shaanxi Financial Regulatory Bureau has approved the dissolution of Shaanxi Xianyang Qindu Rural Commercial Bank and Shaanxi Xianyang Weicheng Rural Commercial Bank, with all their operations and assets to be taken over by Shaanxi Xianyang Rural Commercial Bank [1] - The two banks are required to cease all operations immediately and return their licenses within 15 working days [1] - The establishment of Shaanxi Xianyang Rural Commercial Bank was approved in September 2023, following a merger process initiated in June 2023 [1][2] Group 2: Financial Data and Structure - Shaanxi Xianyang Rural Commercial Bank has a registered capital of 1.705 billion RMB, with 42 legal entity shareholders holding 69.45% and 1,273 individual shareholders holding 30.55% of the shares [2] - As of the end of 2023, Qindu Rural Commercial Bank had total assets of 23.179 billion RMB, total deposits of 20.011 billion RMB, and total loans of 14.046 billion RMB; Weicheng Rural Commercial Bank had total assets of 17.069 billion RMB, total deposits of 14.597 billion RMB, and total loans of 10.975 billion RMB [2] Group 3: Industry Trends - Since the beginning of 2024, multiple rural credit institutions across various prefecture-level cities have accelerated their consolidation efforts through new establishment and absorption mergers [2] - The establishment of Shaanxi Xianyang Rural Commercial Bank marks it as the third prefecture-level rural commercial bank in Shaanxi Province, following Yulin Rural Commercial Bank and Hanzhong Rural Commercial Bank [2] - The "new establishment merger" approach is seen as a way to eliminate administrative barriers and management constraints, allowing for the creation of a unified governance structure and risk management system [2]