Core Viewpoint - Guizhou Bank is set to assume all deposit liabilities of Longli Guofeng Village Bank, totaling 19.13 billion yuan, through a trust plan instead of cash payment, marking an innovative approach in village bank reforms [1][3][5]. Group 1: Transaction Details - The deposit assumption agreement will take effect on January 12, 2026, with a total principal and interest amount of 19.13 billion yuan, and a net consideration of 18.49 billion yuan after deducting related rights [1][2][5]. - The transaction involves Guizhou Bank receiving trust beneficiary shares in exchange for the debt it assumes, which is a rare method in village bank reforms [1][3][4]. Group 2: Strategic Implications - This approach is based on market-oriented and legal principles, aiming to protect the rights of all parties involved and maintain local financial stability [1][5][18]. - The trust structure allows for risk isolation, ensuring the safety of the trust beneficiary rights and optimizing liquidity, which aids in a smooth exit for the institution [6][8][18]. Group 3: Broader Context - Guizhou Bank is also consolidating several other village banks, having completed the acquisition of Tongren Fengyuan Village Bank in 2025 and planning to absorb three more banks pending regulatory approval [2][19][20]. - The bank's actions align with the ongoing nationwide reform of village banks, where over 200 banks have exited the market in the past year, with absorption and restructuring becoming mainstream [4][15].
村镇银行改革现新解法，贵州银行缘何借信托承接逾19亿元存款？