2026年开年，股份行整合与退出旗下村镇银行的步伐加快，"村改支"的行业浪潮已席卷股份制银行领域。 日前，21世纪经济报道记者注意到，截至今年1月底，光大银行（601818）在三个月内迅速完成了旗下三家村 镇银行的退出，实现了存量机构的全面"清零"。与此同时，浦发银行（600000）也正以"村改支"模式密集推进 整合，仅在2月5日、6日就接连有旗下两家村镇银行退出，成为近期股份行中退出动作最为频繁的机构。 专业人士指出，这一系列退出行动属于"主动申请+合规审批"的良性模式。早在2025年10月，湖南、江苏两地 金融监管部门就已批复同意两家机构解散，并明确主发起行光大银行承继所有权利义务，同时要求机构在批复 后15个工作日内缴回金融许可证。这一环节明确了"主发起行兜底"的核心原则，为后续的人员安置与资产交割 奠定了坚实基础。 值得注意的是，尽管上述三家村镇银行在2024年全部实现盈利，但其2025年的业绩却出现了分化。比如，光大 银行2025年半年报显示，截至2025年6月末，韶山光大村镇银行总资产为8.32亿元，净资产为2.46亿元，但上半 年亏损116.88万元。 股份行整合路径分化 浦发银行退出步伐最快 ...

Core Viewpoint - The article highlights the accelerated pace of integration and exit of village banks by joint-stock banks, marking a shift from rapid expansion to a focus on high-quality development in the industry [1][6]. Group 1: Recent Developments in Village Bank Exits - As of the end of January 2026, Everbright Bank has completed the exit of its three village banks, achieving a total "zero" status for its village banking operations [1][3]. - Shanghai Pudong Development Bank (SPDB) is also actively pursuing the "village to branch" model, with two of its village banks exiting in early February 2026, making it one of the most active banks in this regard [1][5]. - Nearly 30 village banks have been deregistered since the beginning of 2026, significantly higher than the same period last year [1][6]. Group 2: Integration and Exit Strategies - The exit actions by Everbright Bank are characterized as a "proactive application + compliance approval" model, with the bank inheriting all rights and obligations of the exited banks [3][4]. - The trend indicates a shift towards a more specialized and high-quality development phase for village banks, as the government emphasizes risk management and transformation of local financial institutions [6][10]. - The restructuring of over 230 village banks in 2025 through mergers, acquisitions, and exits reflects a deep reshaping of the industry, driven by both state-owned and joint-stock banks [6][9]. Group 3: Differentiated Approaches Among Joint-Stock Banks - SPDB has notably accelerated its exit process, reducing its village banks from 28 to approximately 13, with significant exits occurring between July 2025 and February 2026 [8][9]. - In contrast, Minsheng Bank has retained a broader network of village banks, exiting only two out of 28, indicating a different strategic focus [9]. - Other banks like Huaxia Bank and several others have completed their exits, while some banks have not engaged in village banking at all, highlighting varied strategies across the sector [7][9]. Group 4: Implications for Industry Personnel - The integration and exit of village banks signal a transition for employees, potentially moving from subsidiary roles to formal positions within parent banks, which may offer better resources and processes [9][10]. - However, this transformation also poses challenges, including changes in job roles and assessment systems, as well as potential impacts on existing business structures and client relationships [9][10].

以下文章来源于风财眼 ，作者银行财眼 风财眼致力于银行领域的原创报道，旨在履行媒体监督职责，以期共营健康的金融环境。 来源丨 凤凰网财经《银行财眼》 近日，苏农银行一场股东大会引发业内关注。该行一项"村改支"议案虽最终获通过，但反对声音格外明显——持股5%以下中小股东反对比例达 18.415%。 风财眼 . 此外，近半年来，苏农商行A股市场表现呈现震荡走低，股价距2025年6月高点回撤超过15%，也引发了一些投资者的不满。 01 近20%中小股东投下反对票 苏农银行1月15日召开2026年第一次临时股东大会，审议《关于吸收合并江苏张家港渝农商村镇银行股份有限公司并设立分支机构的议案》。 虽然议案获得通过，但反对票比例为13.08%。其中，持股5%以下的中小股东反对票比例达18.42%，弃权比例1.34%。这意味着，接近五分之一的 中小投资者对这项并购投出了"不信任票"。 苏农银行在公告中表示，拟通过此次吸收合并，进一步整合经营资源及优化网点布局。 凤凰网财经《银行财眼》注意到，在行业内，类似"村改支"议案在上市银行股东会中引发分歧并非个例。A股上市银行张家港行、贵阳银行，以及港 股上市银行广州农商行，在相关收 ...

Core Viewpoint - The recent shareholder meeting of Su Nong Bank revealed significant dissent among minority shareholders regarding the bank's proposal to absorb and merge with Zhangjiagang Yunnong Commercial Village Bank, indicating a cautious attitude towards capital-consuming mergers in the changing market and regulatory environment [1][3][7]. Group 1: Shareholder Dissent - The proposal to absorb Zhangjiagang Yunnong Commercial Village Bank received 13.08% of votes against it, with 18.42% of minority shareholders (holding less than 5%) opposing the motion [1][4]. - Similar dissent has been observed in other banks' "village reform and branch" proposals, such as Guizhou Bank and Zhangjiagang Bank, reflecting a trend of increasing caution among minority shareholders [1][5]. Group 2: Financial Performance - As of the end of 2025, Su Nong Bank's total assets reached 231.1 billion yuan, an 8% increase from the beginning of the year [8]. - The bank's revenue for 2025 was 4.191 billion yuan, showing only a 0.41% year-on-year growth, while net profit attributable to shareholders was 2.029 billion yuan, up 7.58% [9]. - The bank's return on average equity was 10.84%, a decrease of 0.83 percentage points compared to the previous year [9]. Group 3: Market Performance - As of January 23, Su Nong Bank's A-share price was 5.02 yuan per share, down nearly 20% from its peak of 6.26 yuan on June 6, 2025, despite a cumulative increase of 10.75% over the year [2][11]. - The bank's stock performance reflects investor concerns regarding its revenue growth and the impact of mergers on short-term profitability [7]. Group 4: Asset Quality - Su Nong Bank maintained a stable asset quality with a non-performing loan ratio of 0.88%, a slight decrease of 0.02 percentage points from the beginning of the year [10]. - The bank's provision coverage ratio stood at 370.19%, indicating a strong position among listed rural commercial banks [10].

长江商报消息●长江商报记者 徐佳 上市银行"村改支"整合中再现股东分歧。 日前，苏农银行（603323.SH）发布的股东会决议显示，该行吸收合并张家港渝农商村镇银行并设立分 支机构的议案反对票占比13.0821%，特别是持股5%以下中小股东反对票比例达到18.415%。 无独有偶，近半年以来，已有贵阳银行、张家港行等上市银行"村改支"方案出现中小股东意见分歧。这 也反映出在市场与监管环境变化下，中小股东对于银行资本消耗型并购的态度日趋审慎。 长江商报记者注意到，此次"村改支"是苏农银行进一步优化区域布局的重要举措。随着区域布局的持续 推进，截至2025年末，苏农银行总资产2311.03亿元，较年初增长8.00%。 但另一方面，苏农银行同时面临营收增长放缓的挑战。2025年全年，苏农银行实现营业收入41.91亿 元，同比仅增长0.41%；归母净利润20.29亿元，同比增长7.58%；加权平均净资产收益率为10.84%，同 比下降0.83个百分点。 二级市场上，截至1月23日收盘，苏农银行A股股价5.02元/股，较2025年6月6.26元/股的高点回撤近 20%。2025年全年，苏农银行股价累计涨幅为10.75% ...

长江商报消息●长江商报记者 徐佳 上市银行"村改支"整合中再现股东分歧。 日前，苏农银行（603323.SH）发布的股东会决议显示，该行吸收合并张家港渝农商村镇银行并设立分 支机构的议案反对票占比13.0821%，特别是持股5%以下中小股东反对票比例达到18.415%。 根据苏农银行发布的《关于吸收合并江苏张家港渝农商村镇银行股份有限公司并设立分支机构的议 案》，苏农银行拟吸收合并张家港渝农商村镇银行并设立分支机构。 本次吸收合并后，张家港渝农商村镇银行解散并注销法人资格，其全部业务、财产、债权债务及其他一 切权利义务由苏农银行承继。 据了解，张家港渝农商村镇银行由重庆农商行在2010年4月发起设立，注册资本2亿元，其中主发起行持 股比例90%。截至2024年末，张家港渝农商村镇银行总资产5.37亿元，总存款1.54亿元，总贷款4.69亿 元，年度净利润2033万元，不良率0.73%，拨备覆盖率930.51%。 通过本次吸收合并，苏农银行将进一步整合经营资源及优化网点布局，以进一步增强对区域经济发展的 金融服务能力。 1月15日，苏农银行召开2026年第一次临时股东会，上述"村改支"议案获得表决通过。但从投票 ...

Core Viewpoint - The reform of village banks in China is accelerating, with over 300 village banks exiting the market since 2025, and new models such as "village reform into branches" and "village reform into divisions" becoming mainstream exit paths [1][4][7]. Group 1: Reform Mechanisms - Guizhou Bank announced it will assume all deposits from Longli Guofeng Village Bank through a trust plan, marking a new model in village bank reform [2][3]. - The trust plan allows Guizhou Bank to take on 1.913 billion yuan in deposit liabilities without direct cash payment, instead receiving trust beneficiary rights as compensation [3]. - The restructuring of village banks is characterized by various models, including mergers into new branches and divisions, as well as acquisitions [4][5]. Group 2: Industry Trends - Since 2025, over 310 village banks have exited the market, with significant participation from major state-owned banks in the restructuring process [5][6]. - The ongoing "reduction and quality improvement" strategy aims to enhance the capital strength and operational efficiency of small and medium-sized banks [7][8]. - Experts suggest that the restructuring of village banks will continue, with a focus on improving governance and risk management [6][7].

左手收购村镇银行推进"村改支"，右手推进百亿国资定增"补血"，长安银行正以频频动作"急踩油门"前 行。在资产规模突破6000亿元的节点上，这波"一手整合、一手补血"的密集动作，既暗藏着长安银行夯 实本土根基的野心，也透着经营承压的突围焦虑，更牵动着搁置四年多的上市梦。分析人士直言，当前 长安银行既要推进百亿定增落地优化资本结构，又要加大不良处置力度、整合村镇银行，这对其资源调 配、风险管控与盈利平衡能力将是一次严苛考验。 首例"村改支"获批 "村改支"的风吹到了长安银行。1月14日，国家金融监督管理总局宝鸡监管分局一纸批复，同意长安银 行收购陕西太白长银村镇银行并设立长安银行太白县支行，承接陕西太白长银村镇银行清产核资后的资 产、负债、业务和员工等。在此之前，该行披露的2025年第二次临时股东大会通知还透露出另一家村镇 银行的整合信号——拟审议收购陕西陇县长银村镇银行设立分支机构的议案。 这两家待整合的机构均为长安银行发起设立的"长银系"村镇银行。其中，太白长银村镇银行成立于2018 年1月，是长安银行响应陕西省国资委助力脱贫攻坚部署设立的扶贫项目，注册资本金3000万元，长安 银行持股51%；陇县长银村镇银 ...

Core Viewpoint - Zhangjiagang Bank plans to hold a shareholders' meeting on January 21, 2026, to discuss the absorption and merger of Donghai Rural Commercial Bank, which will be converted into a branch of Zhangjiagang Bank, reflecting a typical "village to branch" approach [1] Group 1: Merger and Acquisition Details - The merger will lead to the cancellation of Donghai Rural Commercial Bank's legal entity, and its shares will be extinguished, making the transfer of the 10% stake by Lianyungang Financial Holding Group a timely asset disposal [2][3] - Zhangjiagang Bank currently holds 53.83% of Donghai Rural Commercial Bank, while Lianyungang Financial Holding Group holds 10%, with other shareholders including individuals and companies [1] Group 2: Financial Performance - Donghai Rural Commercial Bank reported revenues of 46.65 million in 2024 and 4.24 million in the first 11 months of 2025, with net losses of 15.93 million in 2024 and 7.34 million in the first 11 months of 2025 [2] Group 3: Strategic Implications - The absorption and merger are seen as fundamental measures by Zhangjiagang Bank to mitigate risks and enhance efficiency, allowing for unified management and improved risk control [2] - The merger is expected to strengthen the bank's position in the rural financial market, leveraging the parent bank's technology, funding, and risk control systems to enhance service capabilities and compliance [3][4]

Group 1 - The core viewpoint of the news is that the Bank of Communications has been approved to acquire a rural bank and convert it into a branch, marking the first case of a state-owned bank's "village to branch" transformation in the new year and the tenth case since last year [1][2] - The approval from the Zhejiang Regulatory Bureau allows the Bank of Communications to acquire the Anji Jiaoyin Rural Bank and establish multiple branches, taking over its assets, liabilities, and employees [2][3] - The Bank of Communications currently controls four rural banks, with recent acquisitions including the Dayi Jiaoyin Xingmin Rural Bank and the Qingdao Laoshan Jiaoyin Rural Bank, indicating a trend of consolidation among state-owned banks [3] Group 2 - The reform of small and medium-sized financial institutions is accelerating, with over 450 small banks expected to exit the market by 2025, including more than 280 rural banks, particularly in regions like Inner Mongolia, Shandong, and Hubei [1][4][5] - In the first half of 2025, there has been a significant increase in the number of rural banks approved for mergers, dissolutions, or cancellations, with 65 cases reported in just half a month, nearing ten times the number from the same period in 2024 [4][5] - The restructuring of rural banks is part of a broader strategy to optimize the financial institution system, focusing on quality improvement rather than just reduction, as emphasized by industry experts [5]