Core Viewpoint - The recent bankruptcy of Lianfeng Village Bank in Dalian has been managed with the deposits being safely assumed by Dalian Rural Commercial Bank, ensuring customer funds and transactions remain secure [1][2]. Group 1: Bank Bankruptcy and Resolution - Lianfeng Village Bank has entered bankruptcy proceedings as approved by the Dalian Financial Regulatory Bureau, with Dalian Rural Commercial Bank taking over its deposits and operations [1]. - Customers of Lianfeng Village Bank can continue their banking activities at Dalian Rural Commercial Bank without any disruption, as their account information has been successfully migrated [2]. - The transition includes the closure of Lianfeng's mobile and online banking services, with customers required to use Dalian Rural Commercial Bank's facilities for transactions [2]. Group 2: Financial Background and Ownership - Lianfeng Village Bank was established in January 2010, with a registered capital of 114 million yuan, and has provided nearly 3 billion yuan in loans to various sectors since its inception [3]. - The bank's largest shareholder is Mongolian Merchant Bank, holding a 30% stake, which was created to address the financial risks of the former Baoshang Bank [4]. - Dalian Rural Commercial Bank reported total assets of 155.764 billion yuan as of March 2023, making it the largest banking institution in Dalian in terms of branches and personnel [2]. Group 3: Industry Context and Risk Management - The recent bankruptcy of Lianfeng Village Bank aligns with a trend of stable resolutions for small and medium-sized banks facing financial difficulties, as seen in previous cases [5]. - The People's Bank of China has rated the overall stability of banking institutions, indicating that while large banks are performing well, some rural and small financial institutions are still at risk [6]. - The regulatory environment is evolving to facilitate the restructuring and risk management of smaller banks, with a focus on improving governance and operational capabilities [5].

Core Viewpoint - The Dalian Jinzhou Lianfeng Village Bank has entered bankruptcy proceedings, with its deposits being safely assumed by Dalian Rural Commercial Bank, ensuring customer funds and transaction security remain unaffected [1][2]. Group 1: Bankruptcy Announcement - On August 8, the Dalian Financial Regulatory Bureau announced the approval for Lianfeng Village Bank to enter bankruptcy proceedings [1]. - Dalian Rural Commercial Bank and Lianfeng Village Bank issued a joint statement confirming that customer deposits from Lianfeng would be transferred to Dalian Rural Commercial Bank [1][2]. Group 2: Customer Assurance - Customers of Lianfeng Village Bank can continue to access their funds and services through Dalian Rural Commercial Bank, with all customer information migrated to the new bank [2]. - The original banking services, including mobile and online banking, will cease, but customers can perform transactions at designated branches of Dalian Rural Commercial Bank [2]. Group 3: Financial Background - Lianfeng Village Bank was established in January 2010, with a registered capital of 114 million yuan and has provided nearly 3 billion yuan in loans to various sectors since its inception [3]. - The bank's total assets were reported at 2.259 billion yuan in 2016, with revenues of 84.058 million yuan and a net profit of 19.772 million yuan for that year [3]. Group 4: Shareholding Structure - Mongolian Merchant Bank is the largest shareholder of Lianfeng Village Bank, holding a 30% stake, and was established to address the financial risks of the former Baoshang Bank [4][5]. Group 5: Industry Context - The recent bankruptcy of Lianfeng Village Bank follows a trend of small and medium-sized banks undergoing bankruptcy proceedings, with previous cases in 2022 being handled smoothly [6]. - The People's Bank of China reported that while the overall banking sector remains stable, certain rural and small financial institutions are facing higher risks, with 11% of banks rated in the "red zone" indicating significant risk [7].

时隔三年，又有中小银行破产，且存款得到安全承接。 8月8日，大连金融监管局官网公告，该局发布关于大连金州联丰村镇银行破产的批复，原则同意大连金州联丰 村镇银行（下称"联丰村镇银行"）进入破产程序。 就在同一日，大连农商行、联丰村镇银行均在官网发布致客户书，经国家金融管理部门同意，联丰村镇银行的 存款已由大连农商行承接。有关客户在联丰村镇银行已办理的存款，资金安全及交易安全不受影响。客户可持 联丰村镇银行已办理的存单、存折、银行卡等交易介质及相关证件在大连农商行下辖服务网点正常办理业务。 券商中国记者注意到，联丰村镇银行成立于2010年1月，由原包商银行出资30%作为第一大股东参与设立。最 新工商信息显示，蒙商银行现持有联丰村镇银行30%股份，大连市属国资企业持有该行10%股份。此外，多名 自然人股东股权已被冻结，个别自然人股东已成被执行人。 存款、网点及人员均被承接 事实上，就在8月1日，联丰村镇银行已在官网发布通知称，该行的网点、人员、存款由大连农商行承接。 根据通知，该行经向大连金融监管局和人民银行大连市分行报备，现已顺利完成系统切换相关工作。该行客户 的资金和权益不受影响，原联丰村镇银行的存款客户信息已 ...