村镇银行如何“提质”

Core Viewpoint - The article emphasizes that village and township banks should leverage their strengths and address weaknesses through specialized operations, business transformation, team building, and enhancing financial technology capabilities to play a more significant role in county markets and achieve higher quality development [1]. Group 1: Market Dynamics - As of December 2025, 368 banks have exited the market due to mergers or dissolutions, including 176 village banks, highlighting the need for these banks to adapt and innovate in a competitive environment [1]. - Village banks face intense competition from larger commercial banks that are expanding their services into rural areas, which has significantly reduced the market space for village banks [2]. - To maintain their market position, village banks must deepen their roots in rural markets and innovate by creating community service platforms that offer a wide range of financial and lifestyle services [2]. Group 2: Talent Structure - Village banks often lack high-end talent with comprehensive financial knowledge and management experience, which are advantages of larger banks [3]. - However, the local employees of village banks are familiar with their communities and can effectively promote services, turning this talent shortfall into a strength [3]. - Some village banks are improving their talent acquisition and incentive mechanisms to attract skilled professionals, indicating that their talent challenges can be transformed into advantages [3]. Group 3: Financial Technology - Village banks generally have low levels of technological advancement, which hampers their business expansion and competitive edge [4]. - They can leverage the technological resources of their parent banks to enhance their own capabilities, including sharing advanced technology platforms and training staff [5]. - By utilizing these resources, village banks can develop tailored online financial products that meet the specific needs of their local markets [5].