一年“消失”649家存款保险银行创新高

Core Viewpoint - The number of banks participating in deposit insurance in China has significantly decreased, indicating a regulatory push for the "reduction and quality improvement" of small financial institutions [2][5]. Group 1: Trends in Deposit Insurance Participation - As of the end of 2025, there are 3,112 banks participating in deposit insurance, a decrease of 649 from 3,761 at the end of 2024, marking a reduction rate 3.6 times higher than the previous year [2][3]. - The decline in participating banks has accelerated since 2022, with a total reduction of 915 banks since then [3]. Group 2: Types of Banks Affected - The majority of the 649 banks that ceased participation in deposit insurance by 2025 are rural commercial banks, village banks, and rural credit cooperatives, with a combined reduction of 569 banks, accounting for 88% of the total decrease [5]. - The number of rural commercial banks participating in deposit insurance is 1,423, down by 135; rural credit cooperatives are at 316, down by 114; and village banks are at 1,222, down by 320 [5]. Group 3: Regulatory and Market Dynamics - The reduction in small banks is driven by their weak risk resistance, governance issues, and increased competition from state-owned banks, leading to ongoing market consolidation and exit strategies [5][6]. - Since the Central Committee's meeting in July 2023, there has been a push for financial regulation and reform of high-risk small financial institutions, with specific tasks outlined for 2026 [5][7]. Group 4: Risk Management and Future Outlook - The People's Bank of China has reported that the overall financial risk is manageable, with a focus on early identification and correction of risks in non-"red zone" banks [7][8]. - The trend of decreasing small banks is expected to continue, with ongoing reforms and consolidation efforts, particularly in rural financial institutions [8].