"减量提质"推动退场加速 年内已有226家村镇银行正式解散 证券时报记者 黄钰霖 临近年末，村镇银行兼并重组的步伐仍在加快。 据证券时报记者梳理，截至发稿，年内完成退出的村镇银行总数已达226家，超出2024年1.7倍。除了数 量增加，"化险"队伍也逐步扩容至国有大行、外资行。 除了数量"井喷"，年内村镇银行的兼并重组还迎来了新的参与者。 今年6月，监管批复同意工商银行收购重庆璧山工银村镇银行，并设立为支行，这是国有大行首次参 与"村改支"，此前村镇银行的兼并重组大多由城农商行等中小银行主导。 与此同时，年内多家股份行也积极跟进"村改支"，民生银行、恒丰银行、浦发银行、光大银行等陆续开 展了相关工作。其中，浦发银行自7月以来已完成10余家村镇银行的收编工作。 业内人士认为，改革主体从传统的城农商行向上延伸至头部大行、股份行，对主发起行自身的发展和村 镇银行的化险均有裨益。天风证券银行研究员曹旭冉对证券时报记者表示，国有大行参与"村改支"，一 方面是由于国有大行存在收编村镇银行来推进下沉战略的诉求，另一方面是相比于国有大行的资产体 量，村镇银行虽然风险偏高、经营偏弱，但对国有大行产生的负面影响较小。 "村改支" ...

自2025年以来至12月18日，超135家村镇银行被吸收合并， 超85家村镇银行被收购，合计超200家，这一数据较2024年 有了大幅增加。 作者：刘颖 封图：图虫创意 村镇银行正在加速被吸收合并或收购。 经济观察报记者统计国家金融监督管理总局官网的批复发现，自2025年以来至12月18日，超135 家村镇银行被吸收合并，超85家村镇银行被收购，合计超200家，这一数据较2024年有了大幅增 加。 国家金融监督管理总局数据显示，截至2024年末，全国村镇银行的法人总数为1538家，较2023 年末减少98家。 分地区看，2025年以来，四川、湖北等省份超20家村镇银行被吸收合并或收购，湖南、广东、海 南、河北三省分别超10家。 这一过程中，出现了国有大行"村改支"、异地农商行吸收合并、本地省级农商行吸收合并等多种 改革重组方式。 大行下场"村改支" "村改支"和"村改分"是当前村镇银行合并重组的主流模式。从发起方来看，吸收合并村镇银行的 发起方多为当地的农商行，收购村镇银行的多为股份制银行和城商行。 刘杰表示，目前，国有大行各项财务指标表现较为稳健，且参与村镇金融机构改革化险对国有大行 经营影响较小。另外，参 ...

村镇银行正在加速被吸收合并或收购。 经济观察报记者统计国家金融监督管理总局官网的批复发现，自2025年以来至12月18日，超135家村镇 银行被吸收合并，超85家村镇银行被收购，合计超200家，这一数据较2024年有了大幅增加。 国家金融监督管理总局数据显示，截至2024年末，全国村镇银行的法人总数为1538家，较2023年末减少 98家。 分地区看，2025年以来，四川、湖北等省份超20家村镇银行被吸收合并或收购，湖南、广东、海南、河 北三省分别超10家。 这一过程中，出现了国有大行"村改支"、异地农商行吸收合并、本地省级农商行吸收合并等多种改革重 组方式。 大行下场"村改支" "村改支"和"村改分"是当前村镇银行合并重组的主流模式。从发起方来看，吸收合并村镇银行的发起方 多为当地的农商行，收购村镇银行的多为股份制银行和城商行。 值得关注的是，2025年，包括工商银行、农业银行、交通银行在内的国有大行也开始"下场"收购。 工商银行是首家启动"村改支"的国有大行。2025年6月23日，工商银行获批收购重庆璧山工银村镇银 行，并设立工商银行重庆璧山中央大街支行，承接重庆璧山工银村镇银行清产核资后的资产、负债、业 ...

近日，国家金融监督管理总局涪陵监管分局正式下发涪金管复〔2025〕54号批复，明确同意哈尔滨银行收购重庆市 武隆融兴村镇银行有限责任公司（下称"武隆融兴"），并在当地设立重庆武隆、龙城、凤山、白马、火炉、江口六 家支行。根据批复要求，武隆融兴的全部资产、负债、业务及员工将由哈尔滨银行整体承接，原法人机构将依照法 定程序完成解散，六家新筹建支行后续将按规定向监管部门申请正式开业。 公开信息显示，武隆融兴成立于2011年6月1日，注册资本5000万元，由哈尔滨银行作为主发起行设立，服务网络覆 盖武隆区多个乡镇，多年来一直是区域内普惠金融服务的重要补位力量。值得注意的是，作为哈尔滨银行在重庆发 起设立的三家"融兴"系村镇银行中，最后一家保持独立法人状态的机构，武隆融兴的此次收购及"村改支"落地，标 志着哈尔滨银行在重庆的"融兴"体系法人架构正式退出历史舞台。 这一整合节点的达成，意味着哈尔滨银行在重庆辖内的村镇银行改革已实现完整闭环。在此之前，重庆大渡口融 兴、沙坪坝融兴两家村镇银行已在同日获批改建为支行，而武隆融兴作为改革"最后一块拼图"顺利入列，使哈尔滨 银行彻底完成了重庆区域内村镇银行从"多法人分散运营"到" ...

Core Viewpoint - Harbin Bank is actively consolidating its rural banks, reflecting a broader trend in the industry towards restructuring and risk mitigation in rural financial institutions amid ongoing reforms [2][3][7]. Company Actions - On October 22, Harbin Bank announced the approval of four resolutions at its third extraordinary shareholders' meeting in 2025, including the absorption and merger of three rural banks in Chongqing and one in Nehe [2][4]. - The three Chongqing rural banks were established between 2010 and 2012, with registered capital ranging from 50 million to 180 million yuan, and Harbin Bank holds a stake between 70% and 83.3% in these institutions [6]. Industry Context - The consolidation of rural banks is part of a larger trend in the financial sector, with the 2025 central government directive emphasizing the need for reform and restructuring in rural financial institutions [7][8]. - As of August 15, 2025, 100 rural banks have completed mergers, surpassing the total number of exits in 2024, indicating a significant acceleration in the consolidation process [7]. Financial Performance - In the first half of 2025, Harbin Bank reported a revenue of 7.386 billion yuan, a year-on-year increase of 2.59%, and a net profit of 915 million yuan, reflecting a 19.96% growth [10]. - The bank's investment income was a key driver of this growth, with financial investment net income reaching 2.305 billion yuan, a 246.4% increase year-on-year [10]. Asset Quality and Capital Concerns - As of June 30, 2025, Harbin Bank's non-performing loan (NPL) ratio stood at 2.83%, significantly higher than the industry average of 1.49% [11][12]. - The bank's capital adequacy ratios have declined, with the core Tier 1 capital ratio at 8.52%, down 0.16 percentage points from the previous year, indicating potential capital pressures [12].

Core Viewpoint - Agricultural Bank of China has received approval to acquire Zhejiang Yongkang Agricultural Bank and establish three branches, marking its second "village-to-branch" initiative this year, following similar actions by other major state-owned banks [1][2] Group 1: Regulatory Approvals and Actions - The approval from the Jinhua Regulatory Bureau allows Agricultural Bank to fully take over the assets, liabilities, business, and employees of Zhejiang Yongkang Agricultural Bank [1] - This acquisition follows a previous approval in September for the acquisition of Xiamen Tong'an Agricultural Bank, which was converted into a branch of Agricultural Bank [1] - Other state-owned banks, such as Industrial and Commercial Bank of China and Bank of Communications, have also initiated similar reforms this year, indicating a trend among major banks to engage in "village-to-branch" transformations [2] Group 2: Reform Trends and Implications - The number of village banks is projected to decrease to 1,440 by June 2025, down from 1,538 at the end of 2024, reflecting a broader trend of consolidation in the sector [3] - The reform process is driven by regulatory policies aimed at addressing risks in small financial institutions and the need for improved governance and risk management within village banks [3] - The core strategy of the current reform is "mergers and acquisitions, reduction and quality improvement," which aligns with the regulatory focus on enhancing the stability of small financial institutions [3] Group 3: Long-term Impact of Reforms - The integration of village banks into larger banking systems will enhance their operational efficiency and governance by leveraging the resources and risk management frameworks of parent banks [4] - For participating banks, especially large ones, this reform will facilitate deeper market penetration and align with their inclusive finance strategies [5] - The restructuring of the rural financial ecosystem will lead to a more efficient allocation of resources, supporting the implementation of rural revitalization strategies [5]

Core Viewpoint - The approval of Agricultural Bank's acquisition of Zhejiang Yongkang Nongyin Village Bank marks a significant step in the ongoing reform of rural financial institutions, reflecting the active role of large state-owned banks in addressing risks within small financial entities [1][3] Group 1: Acquisition and Establishment - Agricultural Bank has received approval to acquire Zhejiang Yongkang Nongyin Village Bank and establish three branches, following a similar approval for the acquisition of Xiamen Tong'an Nongyin Village Bank [1][2] - This acquisition is part of a broader trend where major state-owned banks are transitioning village banks into branches, with Industrial and Commercial Bank of China and Bank of Communications having initiated similar reforms earlier this year [2] Group 2: Reform Trends - The number of village banks is projected to decrease to 1,440 by June 2025, down from 1,538 at the end of 2024, indicating a trend towards consolidation and quality improvement in the sector [3] - The reform process is driven by regulatory policies aimed at mitigating risks in small financial institutions, emphasizing a return to core financial services focused on supporting agriculture and small enterprises [3] Group 3: Long-term Implications - The integration of village banks into larger banking systems is expected to enhance operational efficiency, governance, and risk management, benefiting both the acquired banks and the parent institutions [4][5] - This restructuring is anticipated to optimize the rural financial ecosystem, providing more effective financial services that support county economies and rural revitalization strategies [5]

Core Viewpoint - The recent approval by the National Financial Supervision Administration's Yanbian Regulatory Bureau for the name changes of 102 institutions, including the Xin Qiao branch of Yanbian Rural Commercial Bank, indicates a strategic move by Agricultural Bank to consolidate village banks as part of a broader reform initiative [1] Group 1: Institutional Changes - Agricultural Bank has integrated multiple rural commercial banks, rural credit cooperatives, and village banks in Jilin Province, including Changchun Development Rural Commercial Bank Chaoyang Branch and Qian'an Rural Credit Cooperative [1] - In the past two months, Agricultural Bank has completed the acquisition of two village banks and established branch offices, including the acquisition of Zhejiang Yongkang Agricultural Bank Village Bank and the establishment of Xiamen Datong Branch [1] Group 2: Regulatory Response - These actions are seen as a response to regulatory calls for reforming village banks to mitigate risks, with the strategy of "village reform to branch" aimed at incorporating county-level financial services into larger banking systems [1] - The initiative is expected to optimize resource allocation and enhance grassroots financial service capabilities [1]

Core Viewpoint - The recent approval by the National Financial Supervision Administration's Yanbian Regulatory Bureau for the name changes of 102 institutions, including several rural commercial banks in Jilin Province, indicates a strategic move by Agricultural Bank to integrate village banks into its system [1][2]. Group 1: Institutional Changes - Agricultural Bank has rebranded multiple branches and sub-branches of rural commercial banks, such as Yanbian Rural Commercial Bank and Jilin Longjing Rural Commercial Bank, to Agricultural Bank branches [1]. - The integration includes the establishment of new branches following the acquisition of two village banks in the past two months, enhancing Agricultural Bank's presence in the region [1]. Group 2: Strategic Implications - Analysts suggest that these actions are part of Agricultural Bank's response to regulatory calls for reforming village banks, aiming to incorporate county-level financial services into a larger banking framework [2]. - The "village to branch" initiative is expected to optimize resource allocation and strengthen grassroots financial service capabilities [2].

Core Viewpoint - Qingdao Rural Commercial Bank has been approved to absorb and merge three village banks, transforming them into branches, which is part of a broader strategy to enhance regional financial services and consolidate its operations [1][3]. Group 1: Mergers and Acquisitions - On September 30, the Shandong Financial Regulatory Bureau announced the approval for Qingdao Rural Commercial Bank to absorb and merge Jining Lanhai Village Bank, Rizhao Lanhai Village Bank, and Shandong Yinan Lanhai Village Bank, converting them into branches [1]. - Since 2024, Qingdao Rural Commercial Bank has frequently absorbed and merged village banks, including proposals to merge additional banks and convert them into branches [3]. - The bank has initiated seven equity increases in its affiliated village banks since the second half of 2024, indicating a strong commitment to consolidating its holdings [3]. Group 2: Financial Performance - As of June 30, the total assets of Qingdao Rural Commercial Bank amounted to 505.246 billion yuan, reflecting a year-on-year growth of 6.28% [4]. - The bank reported an operating income of 5.752 billion yuan, a decrease of 1.83% year-on-year, while the net profit attributable to shareholders was 2.134 billion yuan, an increase of 5.22% [4]. - The non-performing loan ratio stood at 1.75%, a slight decrease of 0.04 percentage points from the end of the previous year, with a provision coverage ratio of 249%, down by 1.53 percentage points [4].