洞察2025｜超230家完成“变身”！村镇银行“有序重构”关键之年

Core Insights - The transformation of rural banks in China has shifted from passive risk management to proactive strategic restructuring, with over 230 rural banks undergoing mergers, acquisitions, and reorganizations since 2025 [1][3][7] - The integration process involves multiple stakeholders, including state-owned banks, joint-stock banks, and local financial institutions, creating a multi-layered reform ecosystem [1][3][6] - The year 2026 is anticipated to be critical for enhancing the quality of services and risk management in the newly integrated rural banks, focusing on deep integration of risk control and financial services [1][10][13] Group 1: Industry Transformation - Since their inception in 2006, rural banks have expanded rapidly, exceeding 1,600 in number, but have faced challenges such as deteriorating asset quality and governance issues [1][7] - The regulatory environment has evolved, leading to a shift from a focus on reducing the number of institutions to enhancing the quality and efficiency of services provided by the remaining banks [7][9] - The integration of rural banks is seen as a vital step in the structural reform of financial supply, aiming to strengthen the foundation of inclusive rural finance [1][10] Group 2: Stakeholder Involvement - State-owned banks have begun to actively participate in the restructuring of rural banks, with significant acquisitions and transformations, such as the Industrial and Commercial Bank of China acquiring Chongqing Bishi Bank [3][4] - Joint-stock banks are also accelerating their integration efforts, focusing on regional strategies to optimize their service networks and enhance financial resource allocation [5][6] - Local financial institutions are expanding their reach by absorbing rural banks from different regions, thereby broadening their service capabilities [6][8] Group 3: Future Outlook - The year 2026 is expected to be a pivotal year for the quality enhancement of integrated rural banks, with a focus on achieving a seamless transition in operations and maintaining customer relationships [10][11] - Challenges include ensuring effective personnel placement and integrating existing business operations without service disruptions [11][12] - The ongoing consolidation may lead to a higher concentration in the industry, with weaker banks potentially being acquired or exiting the market [13]