中小金融机构“提质”闯关 | 前瞻2026

Core Viewpoint - The reform of small and medium-sized financial institutions in China is accelerating, with a focus on reducing quantity while improving quality, as highlighted by the central economic work conference's emphasis on "deepening the reduction and quality improvement of small and medium financial institutions" [1][7]. Group 1: Reform Progress - By the end of 2025, over a hundred small and medium-sized banks are expected to close, paving the way for reform, with seven provincial-level "giant" banks opening [1]. - As of December 30, 2025, 13 provincial-level associations have completed the establishment of provincial legal entities, with significant progress in reforms across various provinces [3]. - The restructuring of village banks has led to a reduction of 99 village banks in 2024, accounting for nearly 50% of the total reduction in banking institutions that year [3]. Group 2: Risk Management and Structural Reforms - The reform paths for small and medium-sized financial institutions are becoming increasingly diverse, with various models being tested, such as the "village reform branch" initiated by major banks [4]. - The central government has set higher requirements for the reform of small and medium-sized financial institutions, emphasizing the need for both quantity reduction and quality enhancement [7]. - Experts suggest that the key to improving quality lies in enhancing the institutions' operational stability and service capabilities, with a focus on sound corporate governance [7][8]. Group 3: Future Outlook - The reform of small and medium-sized banks is expected to deepen in 2026, with ongoing risk prevention becoming a norm [7]. - Recommendations for future reforms include optimizing the ownership structure of small banks, enhancing risk monitoring mechanisms, and improving policy support to create a favorable external environment [7].