这家村镇银行进入破产程序！存款由千亿级农商行承接

Core Viewpoint - The recent bankruptcy of Dalian Jinzhu Lianfeng Village Bank has been managed with the assurance that customer deposits are safe and have been transferred to Dalian Rural Commercial Bank, indicating a structured approach to handling financial institution failures in China [2][3]. Group 1: Bank Bankruptcy and Resolution - On August 8, Dalian Financial Regulatory Bureau approved the bankruptcy of Lianfeng Village Bank, with deposits being taken over by Dalian Rural Commercial Bank [2]. - Customers of Lianfeng Village Bank can continue their banking activities at Dalian Rural Commercial Bank without any impact on the safety of their funds [3]. - The transition involved the migration of customer information and services to Dalian Rural Commercial Bank, ensuring a seamless experience for clients [3]. Group 2: Financial Health of Dalian Rural Commercial Bank - As of March 2023, Dalian Rural Commercial Bank reported total assets of 155.764 billion yuan and has a registered capital of 4.95 billion yuan, making it the largest banking institution in Dalian in terms of branches and personnel [3]. - The bank operates 336 branches and employs over 4,000 staff, indicating a strong local presence and capacity to absorb the deposits from Lianfeng Village Bank [3]. Group 3: Historical Context and Regulatory Environment - The restructuring of financial institutions, including village banks, has been a focus of the Dalian government, aiming to improve risk management and facilitate smoother transitions during bank failures [4]. - Previous instances of bank failures, such as the cases in Liaoning province, have shown a trend of orderly resolutions where customer funds were also protected [7]. Group 4: Risk Assessment in the Banking Sector - The Central Bank's report indicated that while the overall banking sector remains stable, certain rural and small financial institutions are facing higher risks, with 11% of banks classified in the "red zone" for risk [8]. - The challenges for smaller banks include inadequate resources for risk management and governance, leading to potential issues with loan approvals and accumulation of bad debts [7].