19亿存款“寄身”信托，贵州银行旗下村镇银行现另类改革

Core Viewpoint - Guizhou Bank is set to take over all deposits from Longli Guofeng Rural Bank through a unique asset-backed trust plan, marking a significant reform in rural banking practices in China [1][2][8]. Group 1: Deposit Transfer Agreement - Guizhou Bank will assume a total deposit liability of RMB 19.13 billion from Longli Guofeng Rural Bank, with a final transfer price of RMB 18.49 billion after accounting for related rights [5]. - The agreement will take effect on January 12, 2026, following the signing of the deposit transfer contract [1][4]. - The transfer will not involve immediate cash payment; instead, it will utilize an asset income right trust plan [2][4]. Group 2: Unique Payment Structure - The payment for the deposit transfer will be made through trust benefits derived from the asset income rights of Longli Guofeng Rural Bank, rather than direct cash [8][9]. - This structure allows Guizhou Bank to manage cash flow effectively while ensuring the protection of depositors' rights [9]. - The trust plan is designed to isolate risks and enhance the security of deposits, ensuring that Guizhou Bank's future earnings remain independent from Longli Guofeng's other debts [9]. Group 3: Business Adjustments - Starting January 9, 2026, all deposits will be managed by Guizhou Bank, which will also handle the repayment obligations [12]. - Longli Guofeng Rural Bank will cease to issue new loans, with existing loans managed by Guizhou Bank, but customers must continue to fulfill their repayment obligations to Longli Guofeng [12]. - The announcement emphasizes "business adjustments" rather than terms like "dissolution" or "exit," indicating a strategic approach to the transition [12].