加速出清 今年超300家中小银行合并、解散 21世纪经济报道 余纪昕 今年以来，我国中小银行合并重组步伐显著加快，行业整合"浪潮"正加速推进。 企业预警通数据显示，截至2025年10月15日，全国今年以来已有超过300家银行通过解散、合并或注销 等方式退出市场，其中主要为地方农商行和村镇银行。 值得关注的是，仅今年前三个季度，中小银行合并解散的数量就已大幅超过去年全年198家的退出总 量。业内普遍认为，中小金融机构风险防范化解工作正在深入推进，地方银行的合并可被视为地方银行 业提质增效、加速行业出清的重要信号。 天津某农商行总行人士向21世纪经济报道记者表示，近期部分中小银行的解散、合并或注销更多是出于 防范和化解中小金融机构风险的考虑，本质上更多属于"技术整合"。 "总体而言，来自方方面面的挑战仍需持续关注。"他直言，这类中小银行"合并潮"在积极重构地方金融 生态的同时，也面临多项考验：一是员工薪酬的调整；二是组织架构的变化；三是企业文化的融合；四 是经营方式及理念的转变；五是信息系统的整合；六是权责的重新划分；七是人员的重新安排。 国有大行加快入场 村镇银行化险提速 21世纪经济报道记者梳理发现，截至十月 ...

记者丨余纪昕 编辑丨曾芳 今年以来，我国中小银行合并重组步伐显著加快，行业整合"浪潮"正加速推进。 企业预警通数据显示，截至2025年10月15日，全国今年以来已有超过300家银行通过解散、合 并或注销等方式退出市场，其中主要为地方农商行和村镇银行。 值得关注的是，仅今年前三个季度，中小银行合并解散的数量就已大幅超过去年全年198家的 退出总量。业内普遍认为，中小金融机构风险防范化解工作正在深入推进，地方银行的合并可 被视为地方银行业提质增效、加速行业出清的重要信号。 天津某农商行总行人士向21世纪经济报道记者表示，近期部分中小银行的解散、合并或注销更 多是出于防范和化解中小金融机构风险的考虑，本质上更多属于"技术整合"。 "总体而言，来自方方面面的挑战仍需持续关注。" 他直言，这类中小银行"合并潮"在积极重 构地方金融生态的同时，也面临多项考验：一是员工薪酬的调整；二是组织架构的变化；三是 企业文化的融合；四是经营方式及理念的转变；五是信息系统的整合；六是权责的重新划分； 七是人员的重新安排。 国有大行加快入场，村镇银行化险提速 21世纪经济报道记者梳理发现， 截至十月中旬，各地监管部门批复解散的银行达18 ...

Core Viewpoint - The recent approval for Zhongyuan Bank to absorb and merge with three other banks marks a significant development in the banking sector, highlighting the trend of consolidation among small and medium-sized banks in China [1][2]. Group 1: Merger and Acquisition Details - Zhongyuan Bank has received approval from the China Banking and Insurance Regulatory Commission to absorb and merge with Luoyang Bank, Pingdingshan Bank, and Jiaozuo Zhonglv Bank, taking on all their assets, liabilities, businesses, institutions, and employees [1]. - Post-merger, Zhongyuan Bank's total assets will exceed 1.2 trillion yuan, elevating its ranking among city commercial banks from 11th to 7th [1]. Group 2: Industry Trends - The pace of mergers and acquisitions among small and medium-sized banks has accelerated, with several banks like Sichuan Bank, Shanxi Bank, and Liaoshen Bank undergoing restructuring since 2020 [1]. - Regulatory encouragement has been a driving force behind these mergers, with the China Banking and Insurance Regulatory Commission advocating for quality banks and compliant institutions to participate in the consolidation of smaller banks [1]. Group 3: Benefits of Mergers - Mergers are expected to enhance banks' strength and risk resilience, as larger asset sizes correlate with better risk management capabilities [2]. - The consolidation allows banks to expand their business coverage and strengthen their core operations, particularly for profitable city and rural commercial banks seeking to invest in weaker regional banks [2]. Group 4: Performance Metrics - Zhongyuan Bank reported a revenue of 19.283 billion yuan in 2021, with a year-on-year growth of 0.8%, and a net profit of 3.565 billion yuan, growing by 8% [2]. - The bank's non-performing loan ratio stood at 2.18%, a slight decrease from the beginning of 2021, with new loan defaults maintained below 1% [2]. Group 5: Considerations for Future Mergers - Evaluating a bank's quality and risk resilience should consider not only asset size but also profitability and asset quality [3]. - Local governments should approach mergers cautiously, ensuring thorough understanding of internal equity structures and compliance to prevent potential risks during the consolidation process [3].

Core Viewpoint - The recent approval by the Shandong Regulatory Bureau of the National Financial Supervision Administration for the dissolution of seven village banks indicates a trend of consolidation and restructuring within the small and medium-sized banking sector in Shandong province [1][5]. Group 1: Bank Dissolutions - Seven village banks, including those with the "Yuanrong" name, have been approved for dissolution, with their assets, liabilities, and rights being transferred to corresponding banks [1]. - Among the dissolved banks, four are affiliated with Shandong Shouguang Rural Commercial Bank, which has a registered capital of 1.845 billion yuan [1]. Group 2: Shareholding Structure - Shandong Shouguang Rural Commercial Bank holds significant stakes in the dissolved banks, with ownership percentages of 41% in Wucheng Yuanrong Village Bank, 49.75% in Lingcheng Yuanrong Village Bank, 41% in Leling Yuanrong Village Bank, and 40% in Shandong Licheng Yuanrong Village Bank [4]. - The bank is the largest shareholder of Shandong Shouguang Jin Xin Investment Development Holding Group Co., Ltd., with a holding ratio of 7.55% [3]. Group 3: Industry Trends - The first half of the year saw a surge in merger and restructuring plans for small and medium-sized banks in Shandong, with multiple approvals for bank dissolutions and mergers [5]. - The trend of consolidation is part of a broader national movement aimed at reforming and managing risks in small financial institutions, as emphasized in recent regulatory meetings and government reports [6].

Industry Insights - Several rural commercial banks have lowered their 5-year deposit rates below those of major state-owned banks, with the lowest rate dropping to 1.20%, compared to 1.30% from major banks [1] - The phenomenon of "storing for 5 years is worse than storing for 1 year" has become common among small and medium-sized banks, indicating a strategic shift to attract short-term funds during a declining interest rate cycle [1] Bank Consolidation - The pace of mergers and dissolutions among small and medium-sized banks has accelerated, with 184 banks approved for merger or dissolution in the first five months of this year [2] - It is projected that the number of banks may decrease from a peak of 4,600 to around 3,000 by 2025, reflecting a shift from quantity to quality in the banking sector [2] Auto Loan Policies - Some branches of major state-owned banks have halted the "high interest, high return" auto loan policies starting June 1, following earlier notifications from local financial regulatory authorities [3] - This policy change is not new, as it was initially announced by the Chongqing Financial Regulatory Bureau in January [3] Financial Instruments - The issuance of technology innovation bonds has surpassed 200 billion yuan, with banks being the primary issuers, accounting for over half of the total issuance [4] Corporate Developments - Citic Bank has received approval to establish a financial asset investment company, becoming the second joint-stock bank to do so after Industrial Bank [5] - Citigroup announced a reduction of approximately 3,500 technical staff at its global technology solutions centers in Shanghai and Dalian as part of its global simplification efforts [6] Personnel Changes - Wang Dajun has been appointed as a member of the Agricultural Bank of China's Party Committee and will oversee corporate and technology sectors [7] - The Beijing Banking Regulatory Bureau has approved Dai Wei's appointment as the director and president of Beijing Bank [8] - Inner Mongolia Bank has appointed Hong Shaoping as the new Party Secretary and Chairman [9]

Group 1 - The core viewpoint is that the restructuring and merger of small and medium-sized banks in China is accelerating, particularly with village and town banks being absorbed and converted into branches of larger banks [1][4] - Hubei Jingmen Rural Commercial Bank plans to hold a shareholders' meeting on June 19 to discuss the absorption and merger of its only village bank, indicating a trend among banks to consolidate resources [3] - Shunde Rural Commercial Bank and Jiangmen Rural Commercial Bank are also taking steps to absorb village banks, aiming to enhance their competitive position in the regional financial market [3][4] Group 2 - Listed banks like Jiangsu Bank and Wuxi Rural Commercial Bank are actively pursuing mergers with village banks, reflecting a broader industry trend towards consolidation [4] - The regulatory framework supports the acceleration of reforms in small financial institutions, emphasizing risk management and restructuring as key objectives [4] - Experts suggest that converting village banks into branches of larger banks can improve service capabilities and risk management, leading to a reduction in the number of village banks over time [5]