"减量提质"推动退场加速年内已有226家村镇银行正式解散

Core Viewpoint - The pace of mergers and restructuring among village banks is accelerating as the year-end approaches, with a total of 226 village banks having exited the market in 2023, exceeding the number expected for 2024 by 1.7 times [1][2]. Group 1: Mergers and Restructuring Trends - The primary modes of exit for village banks this year have been "village to branch" and "village to division" restructuring, with 14 banks exiting on December 12 alone due to absorption by their main initiating banks [2][3]. - The "village to branch" model allows for the smooth transition of assets, liabilities, and operations to the main initiating bank, thus avoiding direct bankruptcy risks and optimizing resources [3]. Group 2: Involvement of Major Banks - The restructuring process has seen the involvement of major state-owned banks and foreign banks, marking a shift from smaller banks leading the mergers [4][5]. - Notably, the Industrial and Commercial Bank of China participated in the "village to branch" restructuring for the first time, indicating a strategic move to penetrate deeper into the market [4]. Group 3: Future Outlook and Industry Dynamics - Experts predict that the pace of village bank exits will continue to accelerate in 2026, emphasizing that the "reduction and quality improvement" process will involve structured reforms rather than mere quantity reduction [6][7]. - The focus will be on market-driven exits for high-risk institutions, enhancing corporate governance, and ensuring a smooth reform process to prevent risk spillover [7].