Core Viewpoint - The article highlights the approval of the dissolution of two rural commercial banks in Shaanxi, indicating a trend of accelerated reform within the rural credit system in China [2]. Group 1: Bank Dissolution and Merger - On November 26, Shaanxi's financial regulatory authority approved the dissolution of Qindu Rural Commercial Bank and Weicheng Rural Commercial Bank, with all their business and assets being inherited by Shaanxi Xianyang Rural Commercial Bank [2]. - The regulatory authority mandated the two banks to cease all operations immediately and return their licenses within 15 working days [2]. - In June, the regulatory authority had previously approved the merger of the two banks to establish Shaanxi Xianyang Rural Commercial Bank, which was officially opened on September 26 [2][3]. Group 2: Financial Data and Structure - Shaanxi Xianyang Rural Commercial Bank has a registered capital of 1.705 billion RMB, with 42 legal entity shareholders holding 69.45% of the shares and 1,273 individual shareholders holding 30.55% [3]. - As of the end of 2023, Qindu Rural Commercial Bank had total assets of 23.179 billion RMB, total deposits of 20.011 billion RMB, and total loans of 14.046 billion RMB; Weicheng Rural Commercial Bank had total assets of 17.069 billion RMB, total deposits of 14.597 billion RMB, and total loans of 10.975 billion RMB [3]. Group 3: Industry Trends - Since the beginning of 2024, various rural credit institutions across multiple prefecture-level cities have accelerated their integration processes through new establishment and absorption mergers [3]. - The establishment of Shaanxi Xianyang Rural Commercial Bank marks it as the third prefecture-level rural commercial bank in Shaanxi Province, following Yulin and Hanzhong Rural Commercial Banks [3]. - The "new establishment merger" approach is seen as a way to eliminate administrative barriers and management constraints, allowing for the creation of a unified governance structure and risk management system [3].

11月19日，国家金融监督管理总局广西监管局公布批复文件，同意来宾农商银行吸收合并武宣农商银行 等5家农信机构。此次整合完成后，来宾农商银行将承继5家机构清产核资后的资产、负债、业务以及其 他各项权利义务。 被吸收的5家机构将注销法人资格，改建为来宾农商银行的分支机构。 记者注意到，政策指引下的农信改革呈现出因地制宜、分类施策的鲜明特点，不同地区根据自身特点选 择了不同的整合路径。咸阳农商银行的组建采用新设合并模式，而来宾则选择了由现有一家农商银行吸 收合并其他机构的模式。 公告明确了债权债务承继关系：吸收合并完成后，被吸收方将注销法人资格，其全部资产、业务、债 权、债务、人员以及其他一切权利义务均由本次吸收合并完成后的来宾农商银行承继。 对于股东权益处理，公告显示，对符合股东资格的被吸收方股东（社员），如其自愿成为本次吸收合并 完成后的来宾农商银行股东的，则其所持有的被吸收方股份（股金）按清产核资和整体资产评估确认并 分配后的每股净资产价格，在量化后转换为来宾农商银行股份。 对于不愿成为新银行股东或不符合股东资格的原股东，可按市场化原则转让所持股份。 值得注意的是，对本次吸收合并各方公告期满无法确认身份的原 ...