年内已有226家村镇银行正式解散

Group 1 - The core viewpoint of the article highlights the accelerated exit of village banks, with a total of 226 banks officially dissolved in 2023, exceeding the number expected for 2024 by 1.7 times [1][2] - The main modes of merger and restructuring for village banks this year are "village to branch" and "village to division," where banks are absorbed by their parent institutions, thus avoiding direct bankruptcy risks [2][3] - The involvement of major state-owned banks and foreign banks in the restructuring process marks a shift from smaller banks leading the mergers, indicating a broader approach to risk management and resource optimization [4][5] Group 2 - The "risk mitigation" team is expanding, with state-owned banks like ICBC and several joint-stock banks actively participating in the restructuring of village banks, which is seen as beneficial for both the parent banks and the village banks [4][6] - Foreign banks are also taking action, with HSBC and ANZ opting for direct dissolution of their village banks due to continuous losses, reflecting a strategic focus on wealth management and cross-border finance instead of the village banking sector [5][6] - The central economic work conference emphasizes the need for a structured reorganization of small financial institutions, focusing on market-driven and legal methods to enhance governance and ensure a smooth reform process [7]