SPD BANK(SH:600000) 券商中国·2025-11-28 15:03Core Viewpoint - The recent dissolution of Dalian Ganjingzi Pudong Development Village Bank reflects the ongoing reform and optimization of China's financial system, indicating a shift towards a more market-oriented and legal framework for the exit and integration of small financial institutions [1][4]. Summary by Sections Dissolution and Transition - The Dalian Financial Supervision Administration approved the dissolution of Dalian Ganjingzi Pudong Development Village Bank, with all assets, liabilities, and operations to be taken over by Shanghai Pudong Development Bank. The bank must cease operations immediately and return its financial license within 15 working days [2][4]. Integration of Village Banks - The integration of village banks has accelerated, with many being absorbed and restructured into branches of their parent banks. This year, several provinces, including Guangdong, Liaoning, Heilongjiang, and Hainan, have initiated market-oriented exits and integrations of village banks [6][9]. Risk Mitigation - Village banks, originally established to fill service gaps left by larger financial institutions, now face challenges such as unclear positioning, single business models, insufficient capital, and declining asset quality. The regulatory approach aims to mitigate risks by facilitating the exit of high-risk institutions, thereby purifying the financial ecosystem [9][10]. Standardized Restructuring Practices - Current practices for restructuring village banks have become standardized, involving absorption and merger or equity acquisition for centralized management. Existing institutions may be upgraded or converted into branches, allowing for deeper integration into the parent bank's service and risk management systems [10].