Core Viewpoint - Guizhou Bank has announced its intention to assume all deposits of Longli Guofeng Rural Bank through a unique asset income rights trust plan, marking a new model in rural bank reform [2][6][5]. Group 1: Deposit Transfer Details - The deposit transfer agreement states that Guizhou Bank will take over a total of RMB 19.13 billion in deposits from Longli Guofeng Rural Bank, with the final consideration amounting to RMB 18.49 billion after deducting related rights [3][7]. - Longli Guofeng Rural Bank, established in December 2008, has Guizhou Bank as its main initiator, holding a 25.3571% stake [3]. Group 2: Reform and Market Reaction - The reform plan for Longli Guofeng Rural Bank was anticipated, as Guizhou Bank had previously announced plans to discuss reforms for its rural banks, including Longli Guofeng [3][6]. - The unique transaction method has attracted market attention, as it does not involve direct cash payment or equity acquisition, which is considered rare [5][6]. Group 3: Trust Plan and Risk Management - The trust plan allows Guizhou Bank to assume the deposit liabilities without immediate cash payment, thus alleviating cash flow pressure [7][8]. - The effectiveness of the asset income rights in covering future deposit payments is crucial, as there are concerns about the financial health of Longli Guofeng Rural Bank due to a lack of disclosed financial data [8]. Group 4: Business Adjustments - Starting January 9, 2026, all deposits will be managed by Guizhou Bank, which will also handle the repayment obligations, while Longli Guofeng will cease new loan operations [9]. - The announcement emphasizes "business adjustments" rather than dissolution, indicating a strategic approach to minimize disruption for customers [9].
中小银行改革化险现另类“村改支” 贵州银行借道信托承接逾19亿存款