Core Viewpoint - A recent transaction involving 1.913 billion yuan in deposits has attracted market attention due to its "non-cash" payment arrangement, where Guizhou Bank acquires the deposits of Longli Guofeng Village Bank through a trust plan without immediate cash payment [1][2] Group 1: Transaction Details - Guizhou Bank signed a deposit transfer agreement with Longli Guofeng Village Bank, effective from January 12, 2026, where Guizhou Bank will assume the liabilities and rights related to the deposits totaling 1.913 billion yuan, with a final transfer price of 1.849 billion yuan after deducting related rights [1][2] - The payment is structured through a trust plan, allowing Guizhou Bank to receive trust benefits instead of direct cash payment, facilitating a quicker transfer of deposit liabilities without complex negotiations [2] Group 2: Regulatory and Structural Context - The transaction is part of ongoing reforms in village banks, with Guizhou Bank being the main initiator of Longli Guofeng Village Bank, which was established in December 2008 [2] - Regulatory approval was granted for the dissolution of Longli Guofeng Village Bank, with all deposits to be managed by Guizhou Bank from January 9, 2026, while new loans will not be issued [2] Group 3: Risk Management and Implications - Guizhou Bank is only assuming deposit liabilities and not the loan assets, maintaining the existing debtor-creditor relationship between customers and the village bank [3] - The use of trust tools in this transaction is seen as a novel approach to manage potential asset risks while alleviating immediate capital and liquidity pressures on the main initiator [3][4] - The model aims to isolate risks but does not eliminate them, as the underlying credit risks of the assets remain, necessitating careful management of uncertainties related to asset recovery and liquidity [5][6]
一场“不付现金”的承接：信托受益权置换丰富中小银行改革工具箱