事关省级农商行，已有三家村镇银行被吸收合并！

Core Viewpoint - The article discusses the accelerated reform of local small and medium-sized financial institutions in China, particularly focusing on the risk resolution of village banks in Hainan province, highlighting the actions taken by Hainan Rural Commercial Bank and the implications for the broader financial landscape [1][2][8]. Summary by Sections Risk Resolution of Village Banks - Hainan Rural Commercial Bank is set to hold a temporary shareholders' meeting in early November to discuss risk resolution measures for Baoting Rongxing Village Bank, which is co-funded by Harbin Bank and HNA Asset Management Group [1][2]. - Earlier in July, Hainan Rural Commercial Bank approved risk-related proposals for six Changjiang Village Banks, which were established by Wuhan Rural Commercial Bank [2][3]. - By the end of September, Hainan Rural Commercial Bank received approval to absorb and merge three of these village banks, taking over their assets, liabilities, and business operations [2]. Establishment and Structure of Hainan Rural Commercial Bank - Hainan Rural Commercial Bank was established in May 2024 as the first local legal bank under a unified provincial model, with a registered capital of 22 billion yuan and total assets reaching 382.65 billion yuan by the end of last year [4][5]. - The bank was formed through the merger of the original Hainan Provincial Federation and 19 rural cooperative institutions, with the reform plan approved by the State Council in February 2023 [5]. Financial Performance and Strategic Focus - The bank aims to focus on key tasks for the fourth quarter, emphasizing the need to meet annual operational goals and enhance risk management systems [5]. - Hainan Rural Commercial Bank is also looking to support the operation of the Hainan Free Trade Port by optimizing cross-border financial services and aligning with key projects and industries [6]. Broader Context of Financial Institution Reforms - The article notes that there are 18 village banks in Hainan, with ongoing reforms expected to continue as part of a national trend towards consolidating and resolving risks in small and medium-sized financial institutions [7][8]. - The report from Xingye Research indicates that the risk resolution process for local small financial institutions is entering a "deep water zone," with expectations for increased integration and risk management efforts [8][9][10].