近日，华夏银行公告，已收到金融监管总局的任职资格批复，龚伟华自2025年11月13日起担任该行首席信息官；其于今年5月获聘，此前为北京银行首席信息官。 高管外，本期主要介绍华夏银行中层变动，涉及多家一级分行副行长。 来源：金融人事mini 华夏银行上述分行信息（2025半年报） 据年报介绍，华夏银行立足经济中心城市，辐射全国，按照总、分、支三级组织管理体系进行分支机构规划设置、日常经营和内部管理。截至2025年6月末，华夏银行在全国120个地级以上城市 人员方面，截至6月末，华夏银行母行有员工36，775人，较上年末的38，306人减员1531人，降幅近4%。 本行口径下，今年上半年，华夏银行业务及管理费128．28亿元，较去年同期减少2.09亿元，同比下降1.60%。对此，华夏银行说明，主要是坚持费用精细化管理，持续推进降本增效工作，严 上半年，华夏银行职工薪酬及福利支出73.58亿元，较去年同期减少0.22亿元。其中，工资、奖金51.99亿元，同比减少0．33亿元。以上述口径计算，华夏银行母行员工2025上半年人均工资 近期，华夏银行完成了对旗下村镇银行的吸收合并。 2025年11月24日，四川金融监管局 ...

Core Viewpoint - The Beijing Property Exchange has announced the auction of bank equity related to Tomorrow Holdings and its affiliates, following a court ruling for substantial merger bankruptcy liquidation of 669 associated companies [2][3]. Group 1: Auction Details - The auction involves three village banks: Beijing Mentougou Zhujiang Village Bank, Yantai Fushan Zhujiang Village Bank, and Qingdao Chengyang Zhujiang Village Bank, with a total starting price exceeding 15 million yuan [2][3]. - The shares available for auction include 20 million shares (2.61% of total equity) from Beijing Mentougou Zhujiang Village Bank starting at 2.0963 million yuan, 7 million shares (7% of total equity) from Yantai Fushan Zhujiang Village Bank starting at 715,300 yuan, and 16 million shares (16% of total equity) from Qingdao Chengyang Zhujiang Village Bank starting at 12.3456 million yuan [3][4]. Group 2: Background on the Banks - All three village banks are part of the Zhujiang Village Bank system initiated by Guangzhou Rural Commercial Bank, which holds 94.77%, 93%, and 35% of the shares in the respective banks [4]. - Guangzhou Rural Commercial Bank has been actively consolidating its Zhujiang Village Banks, having received approvals for mergers with three other banks in the latter half of this year, and plans to merge five banks within a year if progress continues smoothly [4]. Group 3: Legal and Financial Considerations - The auctioned assets have legal flaws, as the original shareholders had previously signed a debt settlement agreement with Harbin Bank, which has not been updated in the business registry [5][6]. - The existence of these flaws does not invalidate the auction process, as the bankruptcy liquidation allows for "as-is" sales, transferring the risk of these issues to the buyers [6][7]. - The debt settlement agreement remains binding between the original shareholders and Harbin Bank, but it does not grant Harbin Bank legal ownership of the shares due to the lack of formal registration [7].

Core Insights - The Ministry of Finance has released a report on the implementation of China's fiscal policy for the first half of 2025, emphasizing the need to prevent and mitigate risks in key areas [1] Group 1: Fiscal Policy Measures - The Ministry will continue to implement a comprehensive debt management policy, focusing on the steady advancement of hidden debt replacement while addressing new hidden debt behaviors promptly and holding accountable those responsible [1] - There will be a strengthened analysis and monitoring of fiscal operations, with enhanced cash flow management and emergency response measures [1] Group 2: Support for Local Governments - The Ministry aims to solidify the "three guarantees" bottom line to ensure stable operations of local finances [1] - Relevant policy tools will be utilized to assist in the reform and transformation of financing platforms, risk management of small financial institutions, and the acquisition of existing residential properties for affordable housing [1]

针对中小银行发展路径，娄飞鹏说，主要是发挥自身组织架构层级较少，对市场反应快速灵活的优势， 聚焦区域或特定领域客户进行深耕细作，针对特定客户群体提供针对性的金融服务。 近日通过的《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》（以下简称"十五五"规 划建议）提出，加快建设金融强国。其中提到，优化金融机构体系，推动各类金融机构专注主业、完善 治理、错位发展。 记者注意到，日前，中央金融办分管日常工作的副主任、中央金融工委分管日常工作的副书记王江在接 受采访中指出，进一步优化金融机构和金融基础设施体系是深化金融体制改革的重要任务之一。推动各 类金融机构专注主业、完善治理、错位发展，在有效服务实体经济上优势互补、各展所长；加快建设安 全高效的金融基础设施体系。 中央金融工作会议明确指出，完善机构定位，支持国有大型金融机构做优做强，当好服务实体经济的主 力军和维护金融稳定的压舱石，严格中小金融机构准入标准和监管要求，立足当地开展特色化经营，强 化政策性金融机构职能定位，发挥保险业的经济减震器和社会稳定器功能。 针对中小银行发展路径，《每日经济新闻》记者采访了中国邮政储蓄银行研究员娄飞鹏。他指出，对中 小银 ...

Core Viewpoint - The recent approval by the Sichuan Financial Regulatory Bureau to dissolve Guang'an Hengfeng Village Bank and transfer its assets and liabilities to Hengfeng Bank reflects the ongoing reform and consolidation of small financial institutions in China, with a notable acceleration in the reduction of village banks this year [2][5]. Group 1: Mergers and Acquisitions - Hengfeng Bank has been actively acquiring village banks, including Guang'an Hengfeng Village Bank, which was established in December 2010 with a registered capital of 200 million yuan. After the acquisition, Hengfeng Bank will hold a 40% stake in the new branches [3][4]. - In addition to Guang'an, Hengfeng Bank is also in the process of merging with Yangzhong Hengfeng Village Bank, which will see the latter dissolved and its assets and liabilities transferred to Hengfeng Bank [4]. Group 2: Industry Trends - The number of village banks in China has decreased by 98 in the first half of this year, indicating a significant acceleration in the pace of consolidation compared to previous years. This trend is part of a broader effort to enhance the quality and efficiency of the banking sector [5][6]. - The ongoing reforms in the banking sector are driven by the need to address the challenges of low growth, low demand, low interest margins, and high risks, particularly affecting rural and small banks [6][7].

Core Insights - The reform and transformation of small and medium-sized financial institutions are accelerating, enhancing their service quality and effectiveness to better support the economy [1][4][9] Group 1: Reform and Transformation - Small and medium-sized financial institutions are crucial for the smooth flow of funds in the real economy, and recent reforms are aimed at improving their functionality and service quality [1][4] - The establishment of the Inner Mongolia Rural Commercial Bank, which integrated 121 rural credit institutions and village banks, has significantly improved credit issuance and service capabilities [3][4] - The bank's agricultural and small business loans account for over 90% of its total loans, with plans to add 150,000 households and over 43 billion yuan in loans in the next three years [3] Group 2: Enhanced Services - The Inner Mongolia Rural Commercial Bank has increased its credit limit to 60 million yuan and reduced loan interest rates by 1.8 percentage points, saving businesses over 500,000 yuan annually [2][3] - The merger of He Lan Hui Commercial Village Bank into Ningxia Bank has led to a significant increase in loan limits and improved loan processing efficiency [5][6] - The establishment of a comprehensive risk control mechanism at Ningxia Bank has improved management efficiency by over 30% [6] Group 3: Risk Management and Regulatory Oversight - The regulatory authority emphasizes the importance of risk management in the reform of small and medium-sized financial institutions, with a focus on market-oriented and legal measures [8] - Over the past five years, the banking and insurance sectors have increased the disposal of non-performing assets by over 40% compared to the previous five-year period [8] - The goal of these reforms is to enable small and medium-sized financial institutions to better serve the real economy and contribute to economic and social development [9]

Group 1 - The core viewpoint emphasizes the importance of preventing and mitigating financial risks in key areas, ensuring that systemic financial risks do not occur [1] - The report highlights the need to strengthen monitoring and assessment of systemic financial risks [1] - Continued support for the market-oriented transformation of financing platforms is essential [1] Group 2 - Ongoing reforms and risk mitigation efforts for small and medium-sized financial institutions are necessary [1] - Establishing a responsibility mechanism that aligns incentives and constraints for risk disposal is crucial [1] - The report aims to build a robust financial safety net [1]

Core Viewpoint - The People's Bank of China (PBOC) is focusing on reforming and mitigating risks in small and medium-sized financial institutions, as reported by PBOC Governor Pan Gongsheng during the 18th meeting of the Standing Committee of the 14th National People's Congress [1] Group 1 - The PBOC plans to continue advancing reforms for small and medium-sized financial institutions [1] - There is an emphasis on improving the functional positioning and governance mechanisms of these institutions [1]

Core Viewpoint - Jinzhou Bank has announced the approval of its assets, liabilities, business, branches, and personnel to be acquired by Industrial and Commercial Bank of China (ICBC), ensuring that the rights of depositors remain unaffected [1] Group 1: Acquisition Details - The acquisition involves a formal agreement between Jinzhou Bank and ICBC, marking a significant case of consolidation among small and medium-sized banks [1] - The transfer includes various banking services such as corporate accounts, online banking, payroll services, and personal banking services [3] - The migration of services will require adjustments to account numbers for depositors, with specific changes to debit cards and other banking instruments [2][3] Group 2: Regulatory Context - The Financial Regulatory Bureau has emphasized the importance of risk management and the orderly advancement of mergers and restructuring among small financial institutions [9][11] - Recent data indicates a reduction in the number of small banks, with a total of 3,505 institutions reported as of mid-2023, a decrease of 222 from the previous year [9] Group 3: Historical Background - Jinzhou Bank faced a severe liquidity crisis in 2019, leading to a significant restructuring involving the acquisition of 1.5 trillion RMB in non-performing assets [7] - Following the restructuring, Jinzhou Bank's capital adequacy ratios improved, with a non-performing loan ratio dropping to 1.95% [7][8] - The bank's operational performance has not shown significant improvement post-restructuring, with a reported net profit decline of 23.5% year-on-year as of mid-2022 [8]

Core Viewpoint - Agricultural Bank of China is actively acquiring rural banks as part of a broader strategy to reform and mitigate risks in the financial sector, with significant reductions in the number of rural banks reported this year [2][6]. Group 1: Acquisitions and Establishments - The Agricultural Bank of China has received approval to acquire Anse Agricultural Bank Village Bank and establish a new branch, taking over its assets, liabilities, and staff [3][4]. - In September and October, the Agricultural Bank also acquired Xiamen Tong'an Agricultural Bank Village Bank and Zhejiang Yongkang Agricultural Bank Village Bank, respectively, establishing new branches in each case [4]. - The bank's control over these rural banks is significant, with a 51% stake in Anse Agricultural Bank Village Bank, which was established in 2010 with a registered capital of 40 million RMB [3][4]. Group 2: Industry Trends - The trend of "village to branch" reform is accelerating among state-owned banks, with other banks like Industrial and Commercial Bank of China and Bank of Communications also acquiring rural banks and converting them into branches [5][6]. - The number of rural financial institutions has decreased significantly, with 222 fewer institutions reported by June 2025 compared to the previous year, including a reduction of 98 rural banks [6]. - The regulatory focus on reforming small financial institutions aims to enhance stability and reduce risks through consolidation and restructuring [6].