Group 1 - The number of rural banks in China has significantly decreased, with nearly 200 banks exiting the market in the past three years, and over 80 banks disappearing in the first half of this year [1] - Rural banks, initially established to fill the financial service gap in county areas, have faced challenges such as poor deposit-taking ability, weak profitability, unclear internal governance, and inadequate digital capabilities [1] - The ongoing risk resolution efforts for rural banks are showing progress, primarily through absorption and merger, as well as equity increases [1] Group 2 - The reform and risk resolution of small and medium financial institutions are progressing well, with the first "village to branch" transformation in Sichuan province marking a significant milestone [2] - There are concerns about whether restructured rural banks can continue to serve the agricultural and small business sectors effectively, and the need for regulatory guidance to prevent excessive competition [2] - The dissolution of rural banks requires careful management of customer deposits and employee arrangements to minimize market disruptions [3] Group 3 - The transformation of rural banks from a "small and scattered" model to a "strong and precise" network is essential for optimizing the rural financial supply-side structure [3] - Maintaining a risk bottom line is crucial for reshaping the rural financial service system, ensuring that rural banks can support comprehensive rural revitalization [3]