这背后，是我国愈发提速的村镇银行改革化险进程。监管数据显示，截至2025年上半年末，全国已有89家村镇银行完成吸收合并重组，这一数字接近2024年 全年94家的总量，远超2023年仅11家的水平。 7月16日，广东金融监管局批复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。 批复显示，顺德农商行承接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清产核资后的资产、负债、业 务和员工。吸收合并筹备事项完成后，该行应向监管部门申请或报告分支机构开业等相关事项。 这是自5月30日，广东金融监管局批复同意顺德农商行吸收三水珠江村镇银行后，该行再次获准吸收合并其他村镇级银行。同日获批吸收其他银行的还有江 门农商行，其将合并吸收龙川融和村镇银行、饶平融和村镇银行。 村镇银行数目加速"瘦身"，或与政策要求和自身风险有关。国家金融监管总局召开的2025年监管工作会议上，将"加快推进中小金融机构改革化险"作为2025 年的首要任务予以强调。 此外，2024年，央行发布的《中国金融稳定报告（2024）》，对3936家银行机构 ...

Group 1 - Guangdong Financial Regulatory Bureau has approved the merger of Shunde Rural Commercial Bank with several village banks, including Nanhai Xinhua Village Bank, Changping Xinhua Village Bank, Panyu Xinhua Village Bank, and Xinhui Xinhua Village Bank [1] - Jiangmen Rural Commercial Bank has also been approved to merge with Longchuan Ronghe Village Bank and Raoping Ronghe Village Bank [1] - The approval requires both banks to comply with relevant laws and regulations during the merger process and to report to regulatory authorities after completing the merger preparations [1] Group 2 - Nearly 100 village banks have been officially approved for dissolution this year, indicating a significant increase compared to the same period in 2023 and 2024 [2] - The majority of these dissolutions are due to mergers with city commercial banks and rural commercial banks, which are then set up as branches [2] - The regulatory focus for the year includes accelerating the reform of small financial institutions, with an expectation of continued acceleration in mergers and restructuring of village banks in the second half of the year [2]

Core Insights - The reform and risk mitigation of small and medium-sized financial institutions, particularly village and town banks, are accelerating as of mid-2025, with a significant increase in the number of bank dissolutions compared to previous years [2][4] - The primary strategy for risk resolution in rural small and medium-sized financial institutions is through mergers and acquisitions, focusing on "reducing quantity and improving quality" [2][9] Summary by Category Mergers and Acquisitions - As of July 9, 2025, 84 village banks have been officially approved for dissolution, a notable increase compared to 98 in 2024 and 9 in 2023 [4] - Inner Mongolia leads the country with 15 village banks approved for dissolution in the first half of the year, followed by Shandong with 14 and Jiangsu with 5 [3] - The majority of dissolved village banks are being absorbed by local city commercial banks or rural commercial banks, often being restructured as branches [5][6] Regulatory Environment - The National Financial Regulatory Administration has prioritized accelerating the reform and risk mitigation of small and medium-sized financial institutions as a key regulatory task [2] - The first instances of cross-province mergers and acquisitions of village banks have occurred, indicating a potential shift in regulatory approaches [6][7] Involvement of Major Banks - For the first time, state-owned banks have entered the village bank merger and restructuring arena, with the Industrial and Commercial Bank of China acquiring a village bank in Chongqing [8] - Despite this involvement, other major banks are unlikely to replicate this model due to their limited ownership of village banks [8][9] Future Outlook - Experts predict that the restructuring of small and medium-sized banks will continue to accelerate, leading to a further reduction in the number of village banks [9] - Regulatory guidance is expected to be introduced to help village banks refocus on their core missions and mitigate risks while supporting rural revitalization and small enterprises [9]

Group 1 - Qingdao Guoxin Group plans to increase its stake in Qingdao Bank through its subsidiaries, with the total holding expected to not exceed 19.99% after the increase [1] - Qingdao Bank's board has approved the proposal for the stake increase, which will be implemented after regulatory approval [1] - Qingdao Guoxin Group is currently the third-largest shareholder of Qingdao Bank, holding 14.99% of the shares, and could become the largest shareholder if the plan is fully executed [1] Group 2 - The stake increase by Qingdao Bank is part of a broader trend, with other regional banks like Luzhou Bank also announcing capital increase plans [2] - Luzhou Bank plans to issue up to 1 billion new H-shares at a price not lower than 1.85 HKD per share to enhance its core Tier 1 capital adequacy ratio [2] - Many regional banks are seeing increased participation from local state-owned enterprises in their capital increases, driven by regulatory demands and market conditions [2] Group 3 - Analysts suggest that local state-owned enterprises' investments in small and medium-sized banks help optimize ownership structures and improve governance, which is crucial for mitigating regional financial risks [3] - The capital injection from local state-owned enterprises not only supplements the banks' capital but also strengthens their ties with local economies, facilitating access to regional development resources [3] - Enhanced state control is expected to improve decision-making efficiency and establish a solid foundation for the long-term development of small and medium-sized banks [3]

2025.05. 28 本文字数：2865，阅读时长大约5分钟 导读 ：中小银行加速离场。 作者 | 第一财经 安卓 2022年43家、2023年77家、2024年204家……近年来，随着中小金融机构改革化险工作的加快推 进，中小银行正在加速离场。 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家小银行集体"消失"。 "推动高风险中小金融机构合并重组，是化解金融风险的重要手段，有助于整体改善中小金融机构的 风险状况。"苏商银行特约研究员薛洪言说。 薛洪言认为，当下中小银行面临的经营困境，本质是内外环境变化与自身能力错配的结果。从外部 看，经济周期下行导致信贷需求收缩；区域层面看，行业从增量市场进入存量市场，竞争加剧；叠加 大型银行凭借数字化优势加速下沉，通过科技赋能的低成本服务模式挤压中小银行生存空间。 中小银行加速离场 近段时间，多地金融监管局发布公告，宣布村镇银行、农村信用合作社解散或被吸收合并。 5月26日，宁波金融监管局发布批复，同意解散宁波江北富民村镇银行股份有限公司，全部资产、负 ...

Core Viewpoint - The rapid exit of small and medium-sized banks is driven by the acceleration of financial reform and risk management efforts, with a significant increase in mergers and dissolutions observed in recent years [1][6][8] Group 1: Mergers and Dissolutions - In the first five months of this year, 184 small banks have been approved for mergers or dissolutions, which is seven times the number from the same period last year and close to the total for the previous year [1][3] - The number of small banks that merged or dissolved has increased from 43 in 2022 to 77 in 2023, and is projected to reach 204 in 2024 [1][3] - A notable event occurred on May 16, when 120 small banks in Inner Mongolia were collectively dissolved, with their assets and liabilities taken over by the newly established Inner Mongolia Rural Commercial Bank [3] Group 2: Impact on Village Banks - Village banks are the most affected by the mergers and dissolutions, with 99 out of 204 small banks dissolved last year being village banks, accounting for 49% of the total [4] - As of the end of 2024, there were 1,538 village banks, making up 35.8% of the total number of banking institutions in China [5] - The risk levels of village banks have risen sharply due to various factors, severely impacting their sustainability and financial service capabilities [5][6] Group 3: Challenges Faced by Small Banks - Small banks are facing operational difficulties due to a mismatch between external environmental changes and their internal capabilities, exacerbated by a downturn in the economic cycle and increased competition from larger banks leveraging digital advantages [1][6][7] - Regulatory pressures have intensified, with stricter requirements for capital adequacy and compliance, exposing long-standing weaknesses in small banks' capital strength and risk management systems [6][7] - Many small banks rely heavily on traditional interest margin models, lacking differentiated competitive strategies, which has led to a significant decline in profitability stability [7][8] Group 4: Future Outlook - The future of small banks hinges on governance reform and the development of differentiated service capabilities tailored to regional economic characteristics, rather than merely relying on scale expansion or policy support [8]

5月24日，江苏银行公告，近日，该行收到《宁波金融监管局关于江苏银行股份有限公司宁波分行开业的批 复》，同意该行宁波分行开业。 天眼查信息显示，宁波江北富民村镇银行成立于2011年，注册资本1亿元。今年2月，宁波江北富民村镇银行 100%股权现身沈阳联合产权交易所，转让方为盛京银行，转让底价为1.2亿元。 根据彼时的挂牌公告，截至2024年11月30日，宁波江北富民村镇银行当年实现营业收入423.87亿元，净利润亏 损68.8万元，该行总资产达20361.71万元。 "村镇银行改建为分行的案例是较为少见的。"招联首席研究员、上海金融与发展实验室副主任董希淼向券商中 国记者表示，此前城商行收购村镇银行并改建为省内支行较为常见，且此举系在当地设有分行的前提下完成。 据记者梳理，城商行异地展业虽未被明令禁止，但监管已设置较高门槛，实质上仍是审慎推进的态度，诸如 《地方金融监督管理条例（草案征求意见稿）》、互联网新规等条例，均对城商行的跨省经营作出过限制，意 在推动地方银行回归服务实体经济本源。 公告显示，江苏银行这一新分行来源于对村镇银行的收购。业内人士指出，收购村镇银行改建为异地分行的案 例较为罕见，此前，监管对 ...

Core Viewpoints - The article discusses various significant developments in the market, including regulatory actions, financial performance of companies, and industry trends, highlighting potential investment opportunities and risks. Regulatory Actions - Five departments have interviewed major food delivery platforms to address prominent issues in competition, urging them to fulfill social responsibilities and maintain fair competition [24] - Multiple local securities regulatory bureaus have mandated private equity firms to conduct self-examinations and submit reports, emphasizing compliance with regulations [22] Financial Performance - China National Petroleum Corporation's former chairman was sentenced to 13 years for accepting bribes exceeding 35 million yuan, indicating ongoing scrutiny in corporate governance [11] - Xiamen Asset Management Co. announced an increase in litigation claims against a company, raising the total claim amount to approximately 102.71 million yuan, which represents 5.52% of the company's net assets [7] - Huazhong Holdings received a 300 million yuan loan execution notice from the court, highlighting financial distress [5] Industry Trends - The domestic price of gold jewelry has fallen below 1,000 yuan per gram due to a drop in international gold prices, affecting major retailers [24] - There are rumors of a significant "stockpiling plan" in the silicon material industry, although industry insiders have not confirmed such plans, indicating a potential supply-demand imbalance [24] - Nissan reported a net loss of 670.9 billion yen for the fiscal year 2024, a significant decline from a profit in the previous year, reflecting challenges in the automotive sector [15]

Core Viewpoint - The recent announcements from multiple listed banks and local rural commercial banks regarding the acquisition of village banks indicate a significant trend towards consolidation in the banking sector, particularly among rural financial institutions [1][4]. Group 1: Industry Trends - Nearly 100 village banks are expected to dissolve in 2024, with over 40 banks already exiting the market in the first quarter of 2025, highlighting a rapid decline in the number of village banks [1][3]. - The financial regulatory authorities have prioritized the reform and risk management of small and medium-sized financial institutions, emphasizing "mergers and restructuring" as a key strategy for improving the quality and reducing the quantity of these institutions [1][4]. Group 2: Specific Bank Activities - Shunde Rural Commercial Bank plans to hold a shareholder meeting on May 20 to discuss the absorption and merger of Shenzhen Longhua Xinhua Village Bank, following its previous merger with Foshan Gaoming Shunyin Village Bank [1][2]. - Jiangmen Rural Commercial Bank announced a shareholder meeting on May 13 to review the absorption and merger of Longchuan Ronghe Village Bank and Raoping Ronghe Village Bank [2]. - Jiangsu Bank has received regulatory approval to acquire Jiangsu Danyang Suyin Village Bank and establish several branches, continuing its "village reform branch" initiative [2]. Group 3: Regulatory and Structural Changes - The number of banks participating in deposit insurance has decreased by 48 from the end of 2024, primarily due to the absorption and merger of rural financial institutions, with village banks being the most affected [3]. - The National Financial Supervision Administration has emphasized the need for market-oriented and legal principles in the reform of local small and medium-sized financial institutions, including risk resolution and transformation [4][5]. - Various structural reorganization methods are being explored, including merging multiple village banks into one, direct dissolution, and increasing stakes in village banks while maintaining their independent operations [6].