Xin Lang Cai Jing·2026-01-30 00:54Core Viewpoint - The comprehensive reform of rural banks under the Agricultural Bank of China has been completed, with six rural banks fully integrated into the Agricultural Bank within three months, marking the end of the "village reform" initiative [1][6]. Group 1: Reform Completion - The Anhui Financial Regulatory Bureau has approved the dissolution of the Jixi Agricultural Bank Rural Bank, with all assets, liabilities, and related operations being taken over by the Agricultural Bank [3][6]. - The six rural banks that have exited the market include: Jixi, Hubei Hanchuan, Inner Mongolia Keshiketeng, Shaanxi Ansai, Zhejiang Yongkang, and Xiamen Tong'an [4][6]. - The exit process for these banks was completed in a short span of three months, with the first to exit being Xiamen Tong'an in November 2025, followed by others in December 2025 and January 2026 [6]. Group 2: National Bank Involvement - The reform of rural banks began with the Industrial and Commercial Bank of China acquiring the Chongqing Bishan Rural Bank in June 2025, initiating the "village reform" process [8][9]. - As of now, a total of 10 rural banks have been integrated into larger state-owned banks through the "village reform" model, with the Agricultural Bank acquiring six, the Industrial and Commercial Bank acquiring one, and the Transportation Bank acquiring three [8][9]. Group 3: Industry Context - The establishment of rural banks aimed to address the long-standing issue of insufficient financial supply in rural areas, serving the "three rural issues" and small enterprises [16]. - Recent years have seen challenges for rural banks, leading to increased regulatory focus on risk management and restructuring to ensure sustainable development [16][17]. - In 2025, a significant number of rural banks (310) exited the market, representing nearly 74% of the total historical exits, indicating a strong trend towards industry consolidation [17].