村镇银行撤牌背后：一场“毛细血管”的重构与新生

Core Insights - The article highlights the ongoing reform wave in China's rural banks, transitioning many from "village banks" to branches of larger banking institutions, enhancing their risk resilience and service capabilities [1][2][3] Group 1: Reform Trends - Over 250 village banks have been deregistered since 2025 due to regulatory approvals for mergers or dissolutions [1] - Many village banks are being restructured into branches of larger banks, such as the recent merger of Zhengzhou Bank with a village bank, which will dissolve the latter's legal entity [1][2] - In December alone, nearly 50 village banks were approved for mergers or dissolutions by regulatory authorities [2] Group 2: Structural Changes - The restructuring of village banks includes four main methods: absorption by the main initiating bank, mergers of multiple village banks, direct dissolution, and increasing shareholding in village banks by the main bank [2][3] - The focus of these reforms is not merely on reducing the number of banks but on enhancing the quality and governance of remaining institutions [3][4] Group 3: Service Enhancement - The fundamental goal of the reforms is to optimize the quality of rural financial services and improve support for agriculture and local economies [3][4] - Post-reform, village banks are expected to maintain their local customer relationships while benefiting from improved capital strength and risk management systems [4][5] - The reforms aim to stimulate the internal motivation of banks by enhancing governance and resource integration, ensuring they meet diverse financial needs effectively [4][5]