19亿存款易主，贵州银行这番操作怎么理解？

Core Viewpoint - The recent reform of village banks in China has introduced a new model, exemplified by Guizhou Bank's acquisition of all deposits from Longli Guofeng Village Bank through an innovative trust benefit rights payment method, marking a significant step in the reform process [1][4]. Group 1: Transaction Details - Guizhou Bank has officially assumed all deposits amounting to 1.913 billion yuan from Longli Guofeng Village Bank, with the actual consideration for the transaction set at 1.849 billion yuan after accounting for related rights [1][4]. - The transaction utilizes a rare payment model where Longli Guofeng Village Bank entrusts its asset income rights to a trust plan, allowing Guizhou Bank to acquire corresponding trust benefit shares as payment, effectively isolating risks and alleviating cash flow pressure [4]. Group 2: Loan Management - Longli Guofeng Village Bank will cease new loan operations from January 9, 2026, while existing loans will be managed by Guizhou Bank, ensuring that borrowers continue to fulfill their repayment obligations under original contracts [5]. Group 3: Regulatory Approval and Future Operations - The reform has completed all compliance approvals, with Guizhou Bank's shareholders approving the relevant plans on December 10, 2025, and the regulatory authority granting approval for Longli Guofeng Village Bank's dissolution on January 8, 2026 [7]. - Customers can begin conducting business at corresponding Guizhou Bank branches from January 12, 2026, as the original branches of Longli Guofeng Village Bank transition to Guizhou Bank [7]. Group 4: Company Background and Financial Performance - Guizhou Bank, established in September 2012 and listed on the Hong Kong Stock Exchange in December 2019, currently holds a 25.36% stake in Longli Guofeng Village Bank [7][8]. - As of September 2025, Guizhou Bank reported total assets of 615.629 billion yuan, with a capital adequacy ratio of 14.31%, meeting regulatory requirements [8]. - For the first three quarters of the previous year, Guizhou Bank's revenue was approximately 8.746 billion yuan, with a net profit of about 3.105 billion yuan, although year-on-year growth figures were not disclosed [9].