21世纪经济报道记者吴霜上海报道 7月25日，常熟银行发布多项公告，显示董事会已经审议通过了吸收三家村镇银行并设立分支机构的议 案，将在8月11日提交股东大会审议。 具体来看，本次吸收合并的三家村镇银行均位于江苏省内，分别为：盐城滨海兴福村镇银行、镇江润州 长江村镇银行、常州钟楼长江村镇银行。据了解，本次吸收合并继续采取村改支的形式，将吸收合并上 述三家银行100%的股权，之后解散并注销其独立法人资格，并改设为常熟银行在当地的支行。 常熟银行作为江苏省内实力较强的农商行，业务增速在行业内排名居前。近日，常熟银行也公布了其上 半年的业绩快报，上半年常熟银行实现营业收入60.62亿元，同比增长10.10%；归属于普通股股东的净 利润19.69亿元，同比增长13.55%。 截至2025年6月末，常熟银行总资产4,012.51亿元，较年初增长9.46%；总贷款2,514.71亿元，较年初增 长4.40%；总存款3,107.77亿元，较年初增长8.46%；不良贷款率0.76%，较年初下降0.01个百分点；拨备 覆盖率489.53%，较年初下降10.98个百分点。 对于常熟银行来说，中小银行的改革化险是一个新的机遇。在2 ...

7月24日，智通财经记者从广东银行业保险业2025年上半年新闻通气会上获悉，广东继续推进中小机构 减量提质，巩固"1+7"适度管理竞争的广东农合机构市场体系，稳妥推进村镇银行改革重组，辖内累计 17家村镇银行获批被吸收合并，今年批复2家村行解散及9家村行吸收合并。 ...

村镇银行，即按村划分设银行，是我国金融体系的重要一员，然而在21世纪头二十多年，就差不多完成了自己的使命。 笔者梳理发现，一直以来，村镇银行以服务下沉客户为主，然而现在一个确定的事情是：众多村镇银行在当下政策与快速变化市场环境的变化中快速"消 失"。 国家金融监督管理总局官网的公开数据显示，2024年年初至年末，共有超75家村镇银行被合并吸收、超55家村镇银行被收购。 较近的一次合并是，国家金融监督管理总局对天津监管局的正式批复文件，批准了天津银行对蓟州村镇银行的合并。这意味着，有着十数年历史的蓟州村镇 银行正式结束了自己的使命，并停止一切经营活动。 回顾天津市蓟州村镇银行股份有限公司的历史，其于2008年08月14日成立，为天津市首家村镇银行，注册资本金3亿元，由天津银行作为主发起行设立。有 法人股东16家，自然人股东4个，国有企业股权占比63.06%，法定代表人董晓东。 其实，不仅仅是蓟州村镇银行，全国范围内的村镇银行都在不断地消失。 根据国家金融监管总局披露的银行业金融机构法人名单，截至2023年底，村镇银行数量超过1600家，占全部银行业金融机构的比重超过三分之一。 不过，这一两年，有一个很大的转变趋 ...

又一中小银行主体信用评级被下调！ 7月17日，中诚信国际公告称，决定将湖南常德农商行主体信用等级由AA调降至A+，将其发行的二级资本债 的债项信用等级由A+调降至A，评级展望均为稳定。 这是继山西榆次农商行之后，今年第二家被下调主体信用评级的商业银行。与此同时，年内亦有4家中小银行 获上调评级，包括武汉农商行、汉口银行、秦皇岛银行、江苏长江商业银行。 又一银行评级遭下调 二是，虽然盈利资产规模保持增长，且非息收入大幅提升，但该行净息差进一步收窄以及较大的资产减值损失 计提力度导致净利润大幅下滑，整体盈利能力较弱。2024年，该行仅实现微利0.03亿元。 三是，该行资本充足水平大幅下降，已低于监管要求；抵债资产规模较大且处置较为困难，面临很大资本补充 压力。 由于盈利能力下滑，利润留存减少，同时业务规模扩张持续消耗资本，截至2025年3月末，该行核心一级资本 充足率和资本充足率分别为6.75%和 8.08%，均已低于监管要求。 此外，由于商业门面、厂房等抵押物处置较为困难，去年末该行超过82%的抵债资产已超过2年处置期，但仅 有极少数按照400%的权重计入风险加权资产。 中诚信国际决定，将常德农商行主体信用等级 ...

南方财经记者 庞成 广州报道 7月16日，南方财经记者注意到，广东金融监管局发布了多则行政许可批复，同意江门农商银行吸收合 并龙川融和村镇银行、饶平融和村镇银行；同意顺德农商银行吸收合并佛山南海新华村镇银行、东莞常 平新华村镇银行、广州番禺新华村镇银行、江门新会新华村镇银行。 | 年内广东省内村镇银行被吸收合并情况 | | | --- | --- | | 2025年7月16日 江门农商银行获批吸收合并龙川融和村镇银行、 | | | 饶平融和村镇银行 | | | 2025年7月16日 顺德农商银行获批吸收合并佛山南海新华村镇银 | | | 行、东莞常平新华村镇银行、广州番禺新华村镇 | | | 银行、江门新会新华村镇银行 | | | 2025年6月5日 | 广州农商银行获批吸收中山东凤珠江村镇银行、 | | 东莞黄江珠江村镇银行 | | | 2025年5月30日 顺德农商银行获批吸收合并三水珠江村镇银行 | | | 截至2025年7月16日 数据来源:广东金融监管局 | | 年内9家村镇银行被吸收合并 据南方财经记者统计，今年以来，广东已有9家村镇银行获监管批准被吸收合并，数量已超去年全年总 和。2024年，广 ...

内蒙古成为今年上半年村镇银行解散数量最多的地区，有15家获批解散，多数被蒙商银行吸收合并。山东和江苏紧随其后，分别有14家和5家村镇银行获批 解散。据统计，截至7月9日，全国村镇银行总数已从2024年末的1538家减少至1454家。 值得关注的是，今年村镇银行改革中出现了一些新变化。例如，出现了跨省"村改支"和"村改分"的案例：哈尔滨银行收购了重庆酉阳融兴村镇银行，并在重 庆市设立了三个支行；江苏银行收购宁波江北富民村镇银行后，设立了江苏银行宁波分行。此外，国有大行也首次加入兼并重组队伍，工商银行收购了其独 资设立的重庆璧山工银村镇银行。 业内人士分析，尽管出现了跨省收购和大型银行介入的新动向，但这更多是"一事一议"的个案处理，区域性银行大规模跨区域经营的可能性依然不大。未 来，村镇银行的数量预计将进一步减少，改革将更加注重引导机构回归服务"三农"和小微企业的本源，在化解风险的同时，提升服务实体经济的质效。(文 馨) 【环球网财经综合报道】中小金融机构改革化险的步伐正在加快，特别是村镇银行领域的"瘦身健体"进程在今年显著提速。据统计，截至7月9日，2025年已 有84家村镇银行正式获批解散，这一数字相较于20 ...

Group 1 - The number of rural banks in China has significantly decreased, with nearly 200 banks exiting the market in the past three years, and over 80 banks disappearing in the first half of this year [1] - Rural banks, initially established to fill the financial service gap in county areas, have faced challenges such as poor deposit-taking ability, weak profitability, unclear internal governance, and inadequate digital capabilities [1] - The ongoing risk resolution efforts for rural banks are showing progress, primarily through absorption and merger, as well as equity increases [1] Group 2 - The reform and risk resolution of small and medium financial institutions are progressing well, with the first "village to branch" transformation in Sichuan province marking a significant milestone [2] - There are concerns about whether restructured rural banks can continue to serve the agricultural and small business sectors effectively, and the need for regulatory guidance to prevent excessive competition [2] - The dissolution of rural banks requires careful management of customer deposits and employee arrangements to minimize market disruptions [3] Group 3 - The transformation of rural banks from a "small and scattered" model to a "strong and precise" network is essential for optimizing the rural financial supply-side structure [3] - Maintaining a risk bottom line is crucial for reshaping the rural financial service system, ensuring that rural banks can support comprehensive rural revitalization [3]

证券研究报告 2025年07月07日 行业报告： 行业深度研究 银行 银行投资跟踪：国有大行推进"村改支"的启示 作者： 分析师 刘杰 SAC执业证书编号：S1110523110002 行业评级：强于大市（首次评级） 请务必阅读正文之后的信息披露和免责申明 1 1 摘要 国有大行推进"村改支"的启示 资料来源： wind，天风证券研究所 2 • 稳妥有序推进村镇银行改革化险是今年金融工作的重点。近年来，伴随着经济结构调整和外部环境不确定性上升，部分中小银 行暴露出资产质量恶化、信用风险加剧、资本不足和公司治理不完善等问题，特别是在一些经济实力较弱的地区，地方中小银 行的风险化解更具紧迫性。 • 2024年以来，我国村镇银行改革化险驶入快车道。仅今年上半年，根据国家金融监管总局官网的批复，就有超过50家村镇银行 经由"村改支"、"村改分"等方式被兼并重组。 • 村镇银行改革路径主要为"村改支"、"村改分"、"股权转让"。 • 国有大行收购村镇银行是改革化险的重要抓手。本次工商银行的出手，打破了国有大行参与"村改支"的空白，也体现出国有 大行响应监管要求，发挥风险处置"压舱石"的重要作用。 • 目前，国有大行各项 ...

Group 1 - The core viewpoint of the article highlights the approval of Industrial and Commercial Bank of China (ICBC) to acquire Chongqing Bishan Rural Bank and establish a new branch, indicating a significant move in the reform of rural financial institutions [1] - The "village-to-branch" model is gaining traction as a method for restructuring rural banks, with ICBC's acquisition being a notable example of this trend [2] - ICBC has initiated the establishment of two rural banks, with Chongqing Bishan being the first fully-owned rural bank in the western region, showcasing its commitment to rural financial reform [1][2] Group 2 - The article discusses the broader context of rural bank reforms in China, emphasizing the need for consolidation and restructuring to enhance operational efficiency and risk management [2] - China’s rural banks are experiencing a trend of reduction in numbers, with many being absorbed by their parent banks and transformed into branches, a process referred to as "village-to-branch" [2] - The restructuring is expected to leverage the strengths of large state-owned banks, enhancing financial support for rural areas and small enterprises [2] Group 3 - China Bank is also mentioned for its strategy of holding and managing rural banks through its subsidiary, Zhongyin Fudeng Rural Bank, which has established a significant network across 22 provinces [3] - Zhongyin Fudeng has been actively increasing its capital to strengthen its rural banks, including recent acquisitions of shares to enhance its ownership stakes [3][5] - The capital injection is aimed at improving the financial health and operational capabilities of rural banks, thereby increasing their ability to serve local economies [5] Group 4 - The article notes potential risks in the restructuring process, including competition from larger banks and the challenge of maintaining customer trust during transitions [4] - It emphasizes the importance of capital supplementation for rural banks to improve their resilience against economic fluctuations and enhance their lending capabilities [5] - The article also mentions that other major banks like Agricultural Bank and Postal Savings Bank have minimal involvement in rural banks, indicating a concentrated market among a few players [5]

Core Insights - The reform and risk mitigation process for rural banks in China is accelerating significantly, with a notable reduction in the number of such banks due to mergers and acquisitions [2][3][5] Group 1: Reform Progress - Nearly 90 rural banks have exited the market through absorption and mergers in the first half of 2025, a figure close to the total of 94 for the entire year of 2024, and significantly higher than just 11 in 2023 [3] - The main integration methods are "village to branch" and "village to division," with city commercial banks and rural commercial banks being the primary participants, while state-owned banks are increasingly involved [3][4] - The approval of the Industrial and Commercial Bank of China (ICBC) to acquire Chongqing Bishan ICBC Rural Bank marks the first instance of a state-owned bank participating in the "village to branch" project [3][4] Group 2: Policy and Market Dynamics - The acceleration of rural bank integration is driven by both policy initiatives and internal risk pressures, with the National Financial Regulatory Administration emphasizing the need for reform and risk clearance [5][6] - The government aims to reduce the number of institutions while improving quality through market-oriented and legal principles, focusing on the transformation of local small financial institutions [5][6] Group 3: Risk Management and Service Quality - The restructuring aims to enhance risk management capabilities and operational efficiency by integrating rural banks' non-performing assets into the stronger risk control systems of their parent banks [2][7] - The consolidation of rural banks is expected to improve service quality rather than diminish financial services in rural areas, as it allows for better resource allocation and the introduction of diversified financial products [7][8] - Long-term, these reforms are anticipated to inject new vitality into rural financial services, supporting rural revitalization and economic development [8]