Core Viewpoint - The article discusses the challenges faced by village banks in China and the increasing trend of mergers and acquisitions as a means to mitigate risks and enhance operational efficiency in the banking sector [1][4][34]. Group 1: Village Banks' Role and Challenges - Village banks serve as crucial financial institutions in rural areas, often being the only bank available, thus filling a significant service gap [1]. - Many village banks are struggling due to their small scale, weak capital strength, and inadequate risk management, leading to operational difficulties [28][30]. - The number of village banks in China has reached 1,587, serving over 30 million customers, but they face intense competition from larger banks and internet banking [28]. Group 2: Mergers and Acquisitions - Several banks have initiated plans to absorb and merge village banks into their branches, with notable actions from institutions like Hubei Jingmen Rural Commercial Bank and Shunde Rural Commercial Bank [2][4]. - In 2024, over 100 village banks were merged or absorbed by larger banks, with more than 75 being absorbed and over 55 being acquired across various provinces [4]. - The trend of mergers is seen as a dual benefit, helping to clear high-risk institutions while allowing stronger banks to expand their market presence [4][11]. Group 3: Regulatory Environment and Future Outlook - The regulatory focus has shifted towards promoting the restructuring of small financial institutions to mitigate risks, with a clear emphasis on market-driven solutions [18][33]. - The approach of merging village banks into larger commercial banks is viewed as a practical method for risk resolution, enhancing service capabilities and operational efficiency [24][26]. - The future of village banks is likely to see a reduction in their numbers as the industry undergoes structural changes, with stronger institutions dominating the market [34][35].

Group 1 - Jiangsu Bank has received approval from the Ningbo Financial Regulatory Bureau to open a branch in Ningbo, marking a significant step as it expands its presence in Zhejiang Province with two primary branches [2][3] - The Ningbo branch is not a traditional new establishment but is formed through the acquisition and restructuring of the Ningbo Jiangbei Fumin Village Bank, a relatively rare approach in the industry [3][5] - The acquisition process began with Jiangsu Bank's board approving the purchase of Ningbo Jiangbei Fumin Village Bank shares, which is still subject to regulatory approval and has inherent uncertainties [5][9] Group 2 - Ningbo Jiangbei Fumin Village Bank was established in August 2011, primarily initiated by Shengjing Bank, which held 100% ownership before the transfer [7][12] - As of November 2024, Ningbo Jiangbei Fumin Village Bank reported total assets of 204 million yuan, with a revenue of 4.24 million yuan and a net loss of 688,000 yuan for the first eleven months [9][12] - The restructuring of village banks often involves either converting them into branches of the initiating bank if it has a presence in the area or selling them to local banks if it does not [9][13] Group 3 - The approval for Jiangsu Bank's cross-regional branch establishment is notable as it comes amid strict regulations on city commercial banks expanding outside their provinces [17][21] - The recent cases of Jiangsu Bank and Harbin Bank acquiring local village banks for branch establishment may signal a potential easing of the long-standing restrictions on cross-regional operations for city commercial banks [17][23] - Jiangsu Bank's asset scale has grown significantly, reaching 4.46 trillion yuan by the first quarter of 2025, positioning it as the second-largest among listed city commercial banks [26][24] Group 4 - Jiangsu Bank has maintained a steady growth trajectory since its establishment in 2007, with a consistent increase in revenue and net profit since its listing in 2016 [24][26] - In 2024, Jiangsu Bank achieved an operating income of 80.81 billion yuan, a year-on-year increase of 8.78%, and a net profit of 31.84 billion yuan, up 10.76% [26][24] - The bank's non-performing loan ratio stood at 0.89% in 2024, indicating a stable asset quality, although the amount of loans under special attention has increased, raising potential risk concerns [27][29]

近年来，中小银行正在加速离场。 5月16日，内蒙古农村商业银行获批开业。作为统一法人模式下新成立的省级农商行，该行吸收合并了 包括内蒙古自治区农村信用社联合社在内的120家机构，这120家农村信用社/村镇银行同日宣布解散， 相关债权债务由内蒙古农村商业银行承继。 此外，近期还有多家银行发布关于吸收合并或收购的相关公告。顺德农商行发布公告称，将于5月20日 召开临时股东大会，审议关于吸收合并深圳龙华新华村镇银行的相关议案。这是继去年12月底顺德农商 行审议并通过了对三水珠江村镇银行以及东莞常平、佛山南海、广州番禺等四家新华村镇银行吸收合并 议案之后的又一相关举措。 江门农商行也在官网发布公告称，在5月13日召开的临时股东大会上，将审议吸收合并龙川融和村镇银 行、饶平融和村镇银行共两家村镇银行的议案。 近些年，中小银行正处于撤并潮之中。根据企业预警通数据，2022年全年有43家小银行撤并，2023年为 77家，2024年为204家，有逐渐增长的态势。 第一财经根据企业预警通数据统计，今年前5个月，已有184家小银行获批复合并/解散，数量是去年同 期的7倍之多，且已接近去年全年的总量，仅5月16日，内蒙古就有120 ...

改革模式和规模在全国尚属先例。 5月27日，内蒙古农村商业银行股份有限公司（下称"内蒙古农商银行"）正式开业。10天前，内蒙古农 商银行注册成立，一次性整合120家机构、注册资本超过580亿元等信息再度引起业内关注。 这不仅意味着新一轮农信改革再下一城，也标志着此轮改革迎来范围较大的一次中小银行合并重组，改 革模式和规模在全国尚属先例。在业内人士看来，这是"一省一策"原则下推进中小银行改革化险的一次 积极探索，但要一次性解决体制机制问题仍面临不少挑战。 有专家对第一财经表示，地方处置中小金融机构风险的一大掣肘是资金支持。内蒙古农商银行较大规模 的注册资本体现出一定的改革决心，但前期风险处置效果和后续经营回报情况是决定改革效果的关键。 从股东构成来看，内蒙古农商银行庞大注资背后涉及地方财政部门、地方国企、民企、自然人等多元主 体，多地财政局入股。另从官方披露信息来看，今年以来内蒙古自治区农村信用社联合社（下称"内蒙 古自治区农信联社"）正紧锣密鼓清扫存量风险，加速不良资产清收处置。 120家涉改机构"一个不少" 5月27日，内蒙古农商银行发布公告，宣布该行于当日正式挂牌开业。据国家企业信用信息公示系统信 息，内 ...

Core Viewpoint - Jiangsu Bank has received approval from the Ningbo Financial Regulatory Bureau to open a branch in Ningbo, marking a significant step in the bank's expansion strategy through the acquisition of a local village bank [1][2]. Group 1: Acquisition and Expansion Strategy - Jiangsu Bank approved the acquisition of Ningbo Jiangbei Fumin Village Bank to establish its branch, which had been kept confidential due to regulatory uncertainties [2]. - The establishment of branches in provinces outside their home base is now being facilitated through the acquisition of village banks, indicating a shift in regulatory stance [3][4]. - The newly formed branch will inherit the assets, liabilities, and operations of the acquired village bank, which had total assets of over 200 million yuan and reported a net loss of 688,000 yuan as of November last year [4]. Group 2: Regulatory Context - Historically, city commercial banks faced strict regulations on cross-regional expansion, with significant restrictions imposed since 2011 [5]. - Recent approvals for cross-regional acquisitions, such as those by Jiangsu Bank and Harbin Bank, suggest a potential easing of these restrictions, although industry insiders believe this will not become a standard practice [6][7]. - The ongoing reforms in small and medium-sized banks, including the restructuring of village banks, have led to a notable increase in approvals for acquisitions and dissolutions, with 26 approvals granted in the current year alone [6].

北京商报讯（记者 宋亦桐）2025年，中小银行合并重组按下"快车键"，5月26日，北京商报记者注意到，近日，已有多家银行披露吸收合并村镇银行并改为 旗下分支机构的计划，其中，湖北荆门农商行计划于6月中旬召开股东会，审议吸收合并旗下村镇银行相关议案，顺德农商行、江门农商行也已在吸收合并 村镇银行事宜上有所行动，上市的江苏银行、无锡农商行同样在此领域加码布局。分析人士预测，在行业竞争加剧、加快推进中小金融机构改革化险政策导 向下，我国村镇银行结构性重组速度将加快。 近日，湖北荆门农商行计划于6月19日召开2024年度股东会，审议《湖北荆门农村商业银行股份有限公司吸收合并湖北荆门掇刀楚农商村镇银行股份有限公 司清产核资结果及股权处置方案》的议案。据了解，湖北荆门掇刀楚农商村镇银行是湖北荆门农商行发起设立的唯一一家村镇银行。 顺德农商行也在近期有所行动，该行此前表示，于5月20日召开"广东顺德农村商业银行股份有限公司2025年第一次临时股东大会"，其中将审议有关吸收合 并深圳龙华新华村镇银行的议案，此次对村镇银行的吸收合并计划，是顺德农商行进一步优化区域布局、整合金融资源的举措。不过北京商报记者注意到， 因工作需要， ...

数据显示，截至2024年末，榆次农商行不良贷款率达34.43%，关注类贷款占比超过10%，而贷款减值准备余额 仅1400万元，拨备覆盖率仅为0.38%，显著低于监管要求。 二是该行贷款投放增长乏力，受资产质量影响贷款收息水平低，净息差降至负数，已连续两年经营出现亏损， 且亏损金额持续增加。 报告显示，受资产质量影响，榆次农商行贷款利息回收水平低，2024年净息差为-0.53%，全年净亏损2.06亿 元，亏损金额同比增加近1.1亿元。 又一中小银行主体信用评级被下调！ 5月19日，中诚信国际公告称，决定将山西榆次农商行主体信用等级由BB调降至BB-，将其发行的两笔二级资 本债的债项信用等级由BB-调降至B+，评级展望均为稳定。 这也是今年首家被下调主体信用评级的商业银行。据统计，2021年以来，中诚信国际已连续三次调降榆次农商 行评级，后者主体信用评级由A+一路降至BB-。 主体信用评级遭下调 中诚信国际报告称，此次对榆次农商行的信用等级调降主要基于三方面因素： 一是该行不良贷款增长快且不良率高，同业和金融投资风险资产尚未出清，抵债资产和其他应收款规模较大， 整体清收处置效果有限，拨备计提缺口持续扩大。 202 ...

Group 1 - The core viewpoint of the articles highlights the accelerated merger and restructuring process of small and medium-sized banks in 2025, with many banks announcing the absorption and merger of village banks into their branches [1][2] - As of May 18, 2023, 26 small and medium-sized banks have received regulatory approval for the acquisition or dissolution of their village banks [1] - The external pressures leading to the accelerated exit of village banks include intensified digital competition and a contraction in credit demand, while internal issues involve governance deficiencies and weak risk control [1][2] Group 2 - The reform of rural small and medium-sized banks is characterized by a "classified treatment" strategy, primarily involving the absorption and merger of village banks by main initiating banks [2] - Key areas for reform include resolving existing risks, planning development strategies, deepening mechanism reforms, and exploring digital transformation paths that align with regional characteristics [2][3] - The dual impact of the reform path on the financial system suggests that while mergers can quickly resolve localized risks, over-reliance on restructuring without governance reform may weaken financial service coverage in rural areas [3]

数据显示，2024年，有将近100家村镇银行解散。2025年以来，这一进程仍在加速，一季度已有超过40家银行 退出市场，而村镇银行占比较大。 今年，金融监管部门将"加快推进中小金融机构改革化险"作为年度首要重点目标，而"兼并重组、减量提质"则 是中小银行改革的重要思路。 多家银行"村改支"进行时 日前，顺德农商行发布公告显示，将于5月20日召开临时股东大会，审议关于吸收合并深圳龙华新华村镇银行 的相关议案。此前，该行已完成吸收合并佛山高明顺银村镇银行，改建为该行分支机构，并在2024年底临时股 东大会上审议通过吸收合并三水珠江村镇银行、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的议案。 证券时报·券商中国记者注意到，上述涉及被吸收合并的7家村镇银行，除完成合并的其中1家是顺德农商行旗 下持股银行外，其余6家之中，有5家是安徽马鞍山农商行作为主发起行设立的，另有1家系广州农商行作为主 发起行设立。 产权信息显示，近日马鞍山农商行正在产权交易中心挂牌转让上述多家银行股权。其中，位于佛山、东莞、广 州和江门的4家村镇银行，挂牌转让价合计约为3.3亿元。 无独有偶，近期， ...

Group 1 - The core viewpoint is that many village and town banks in China are facing absorption and merger, with nearly 100 expected to dissolve in 2024 and over 40 banks exiting the market in the first quarter of 2025, indicating a significant reduction in the number of village banks [1][3] - Financial regulatory authorities have prioritized the reform and risk mitigation of small and medium-sized financial institutions, emphasizing "mergers and restructuring" as a key strategy, with several banks already progressing in this direction [3][4] - The number of rural financial institutions is expected to decline significantly in 2024, with village banks accounting for a large proportion of the reductions, as evidenced by the participation of 3,713 banking institutions in deposit insurance, a decrease of 48 from the end of 2024 [3][4] Group 2 - Analysts suggest that the future of local small and medium banks will involve frequent mergers and restructurings, particularly for institutions with poor operational capabilities [4] - Mergers and restructurings are seen as a way to enhance the scale efficiency of small financial institutions, reduce costs, and improve sustainability and risk mitigation capabilities [4] - The restructuring of village banks includes various methods such as absorption by main initiating banks, direct market exits, and structural reorganizations, although challenges remain in the practical implementation of these strategies [4]