两家银行，同日获批解散！

Core Viewpoint - The article highlights the approval of the dissolution of two rural commercial banks in Shaanxi, indicating a trend of accelerated reform within the rural credit system in China [2]. Group 1: Bank Dissolution and Merger - On November 26, Shaanxi's financial regulatory authority approved the dissolution of Qindu Rural Commercial Bank and Weicheng Rural Commercial Bank, with all their business and assets being inherited by Shaanxi Xianyang Rural Commercial Bank [2]. - The regulatory authority mandated the two banks to cease all operations immediately and return their licenses within 15 working days [2]. - In June, the regulatory authority had previously approved the merger of the two banks to establish Shaanxi Xianyang Rural Commercial Bank, which was officially opened on September 26 [2][3]. Group 2: Financial Data and Structure - Shaanxi Xianyang Rural Commercial Bank has a registered capital of 1.705 billion RMB, with 42 legal entity shareholders holding 69.45% of the shares and 1,273 individual shareholders holding 30.55% [3]. - As of the end of 2023, Qindu Rural Commercial Bank had total assets of 23.179 billion RMB, total deposits of 20.011 billion RMB, and total loans of 14.046 billion RMB; Weicheng Rural Commercial Bank had total assets of 17.069 billion RMB, total deposits of 14.597 billion RMB, and total loans of 10.975 billion RMB [3]. Group 3: Industry Trends - Since the beginning of 2024, various rural credit institutions across multiple prefecture-level cities have accelerated their integration processes through new establishment and absorption mergers [3]. - The establishment of Shaanxi Xianyang Rural Commercial Bank marks it as the third prefecture-level rural commercial bank in Shaanxi Province, following Yulin and Hanzhong Rural Commercial Banks [3]. - The "new establishment merger" approach is seen as a way to eliminate administrative barriers and management constraints, allowing for the creation of a unified governance structure and risk management system [3].