本报（chinatimes.net.cn）记者张萌 卢梦雪 北京报道 2025年，我国中小银行改革化险步伐显著加快。 年初，政府工作报告明确提出"一体推进地方中小金融机构风险处置和转型发展"。这一年，全国超400 家银行金融机构退出市场，其中村镇银行数量较2024年末缩减逾200家；农信社系统按照"一省一策"原 则推进省级法人整合，7家省联社改革落地。 整合快速压降了机构数量，但存量风险尚未完全消解。年末，中央经济工作会议再度定调"深入推进中 小金融机构减量提质"，将"量"的调整转向"质"的提升。 "从全年工作来看，2025年改革成效显著，呈现'减量有力、提质见效'的鲜明特征。"上海金融与发展实 验室首席专家、主任曾刚向《华夏时报》记者表示，下一步，改革将聚焦深化省联社改革、优化整合模 式适配性、引导机构聚焦主业提质增效，并强化长效机制建设。 超400家机构退出、7地省联社改革落地 据国家金融监督管理总局数据，截至12月22日，年内全国已有128家商业银行、3家农村合作银行、99家 地县级农信联社和226家村镇银行退出市场。退出机构总数超400家，为近年来最高水平。 其中，河南、内蒙古、吉林、新疆四地选择组建 ...

华夏时报记者 张萌 卢梦雪 北京报道 2025年，我国中小银行改革化险步伐显著加快。 年初，政府工作报告明确提出"一体推进地方中小金融机构风险处置和转型发展"。这一年，全国超400 家银行金融机构退出市场，其中村镇银行数量较2024年末缩减逾200家；农信社系统按照"一省一策"原 则推进省级法人整合，7家省联社改革落地。 整合快速压降了机构数量，但存量风险尚未完全消解。年末，中央经济工作会议再度定调"深入推进中 小金融机构减量提质"，将"量"的调整转向"质"的提升。 "从全年工作来看，2025年改革成效显著，呈现'减量有力、提质见效'的鲜明特征。"上海金融与发展实 验室首席专家、主任曾刚向《华夏时报》记者表示，下一步，改革将聚焦深化省联社改革、优化整合模 式适配性、引导机构聚焦主业提质增效，并强化长效机制建设。 超400家机构退出、7地省联社改革落地 据国家金融监督管理总局数据，截至12月22日，年内全国已有128家商业银行、3家农村合作银行、99家 地县级农信联社和226家村镇银行退出市场。退出机构总数超400家，为近年来最高水平。 这其中，大量农信机构通过省级法人整合被吸收合并。例如，今年5月成立的内蒙古 ...

"减量提质"推动退场加速 年内已有226家村镇银行正式解散 证券时报记者 黄钰霖 临近年末，村镇银行兼并重组的步伐仍在加快。 据证券时报记者梳理，截至发稿，年内完成退出的村镇银行总数已达226家，超出2024年1.7倍。除了数 量增加，"化险"队伍也逐步扩容至国有大行、外资行。 除了数量"井喷"，年内村镇银行的兼并重组还迎来了新的参与者。 今年6月，监管批复同意工商银行收购重庆璧山工银村镇银行，并设立为支行，这是国有大行首次参 与"村改支"，此前村镇银行的兼并重组大多由城农商行等中小银行主导。 与此同时，年内多家股份行也积极跟进"村改支"，民生银行、恒丰银行、浦发银行、光大银行等陆续开 展了相关工作。其中，浦发银行自7月以来已完成10余家村镇银行的收编工作。 业内人士认为，改革主体从传统的城农商行向上延伸至头部大行、股份行，对主发起行自身的发展和村 镇银行的化险均有裨益。天风证券银行研究员曹旭冉对证券时报记者表示，国有大行参与"村改支"，一 方面是由于国有大行存在收编村镇银行来推进下沉战略的诉求，另一方面是相比于国有大行的资产体 量，村镇银行虽然风险偏高、经营偏弱，但对国有大行产生的负面影响较小。 "村改支" ...

Core Insights - The 2025 Chinese drama market has shifted away from a single dominant "king" drama, with multiple series capturing attention across different audience segments [3][22] - The overall trend indicates a diversification of viewership and a more competitive landscape among top dramas, with no single series achieving overwhelming popularity [3][6] Market Performance - In 2025, the average viewership for top dramas ranged from 4.2 million to 6.8 million, with "Bai Huai" and "Cang Hai Chuan" leading at 6.7827 million and 6.6457 million respectively, showing a close competition [5][6] - The gap in viewership between the top-ranked dramas and others has narrowed, indicating a more balanced market where multiple series can thrive [6][10] Audience Engagement - The top dramas of 2025 displayed a clear stratification in audience ratings, with scores ranging from 5.3 to 8.0 on Douban, reflecting a diverse range of viewer preferences [8][10] - High-quality productions and engaging narratives are essential for maintaining long-term viewer loyalty, while the ability to spark discussions and controversies has become crucial for rapid popularity [8][21] Genre Trends - The distribution of genres among top dramas shows a near-equal split between historical and contemporary themes, with both moving towards more niche and specialized content [10][12] - Traditional tropes in historical dramas are declining, giving way to more complex narratives that incorporate elements of intrigue, suspense, and character development [10][19] Platform Strategies - iQIYI led the market with five entries in the top 10, focusing on suspense and reality genres to enhance its brand value [12] - Youku successfully positioned itself in the male-oriented and hardcore genre segments with four top entries, strengthening its brand identity [12] - Tencent Video's strategy revolves around capturing social sentiments and creating discussions around its dramas, exemplified by "Xu Wo Yao Yan" [14] Industry Evolution - The industry is moving towards a "reduce quantity, improve quality" approach, concentrating resources on fewer projects with clear potential for success [15][17] - Recent regulatory changes have provided more creative freedom for long-form narratives, allowing for deeper storytelling and character development [17][19] Future Outlook - The 2026 market is expected to focus on grand narratives and complex character portrayals, with historical and period dramas seen as promising avenues for success [26] - Upcoming projects are anticipated to blend contemporary themes with historical contexts, aiming to resonate with collective audience sentiments [23][25]

自2025年以来至12月18日，超135家村镇银行被吸收合并， 超85家村镇银行被收购，合计超200家，这一数据较2024年 有了大幅增加。 作者：刘颖 封图：图虫创意 村镇银行正在加速被吸收合并或收购。 经济观察报记者统计国家金融监督管理总局官网的批复发现，自2025年以来至12月18日，超135 家村镇银行被吸收合并，超85家村镇银行被收购，合计超200家，这一数据较2024年有了大幅增 加。 国家金融监督管理总局数据显示，截至2024年末，全国村镇银行的法人总数为1538家，较2023 年末减少98家。 分地区看，2025年以来，四川、湖北等省份超20家村镇银行被吸收合并或收购，湖南、广东、海 南、河北三省分别超10家。 这一过程中，出现了国有大行"村改支"、异地农商行吸收合并、本地省级农商行吸收合并等多种 改革重组方式。 大行下场"村改支" "村改支"和"村改分"是当前村镇银行合并重组的主流模式。从发起方来看，吸收合并村镇银行的 发起方多为当地的农商行，收购村镇银行的多为股份制银行和城商行。 刘杰表示，目前，国有大行各项财务指标表现较为稳健，且参与村镇金融机构改革化险对国有大行 经营影响较小。另外，参 ...

Core Viewpoint - The Shandong steel industry is at a critical juncture, focusing on high-end, intelligent, and green development to enhance competitiveness and address structural challenges in the sector [2][6]. Group 1: Industry Challenges - The steel industry is facing unprecedented challenges, with domestic steel consumption reaching a ceiling and traditional demand from construction declining [3]. - The industry is struggling with low profits, with national profits at 830.3 billion yuan for the first seven months of the year, indicating instability in the development foundation [4]. - There is a significant mismatch between excess low-end capacity and insufficient high-end supply, exacerbated by global trade tensions [3]. Group 2: Strategic Directions - The Shandong steel industry is adopting a "reduction and quality improvement" strategy, as outlined in the national plan for 2025-2026, aiming for an average annual growth of around 4% in industry value added [2][6]. - The focus is on three key areas: high-end products, intelligent manufacturing, and green transformation, which are seen as essential for the industry's future [7][8]. - Companies are encouraged to innovate and enhance product quality to gain market share, moving away from low-end production [7]. Group 3: Technological and Environmental Initiatives - Digital transformation and green low-carbon initiatives are identified as critical drivers for the industry's evolution, with companies like Yongfeng Group aiming to transition from manufacturing to service-oriented models [5][6]. - The industry must comply with stringent environmental regulations, with over 80% of steel production capacity required to achieve ultra-low emissions by the end of 2025 [5][7]. - The integration of AI, industrial internet, and big data into steel production processes is expected to enhance efficiency and reduce costs [7]. Group 4: Future Outlook - The transformation of the Shandong steel industry serves as a benchmark for traditional industries, demonstrating that embracing change can lead to successful upgrades and sustainable growth [8][9]. - Other traditional sectors in Shandong, such as chemicals and textiles, are also undergoing similar transformations driven by new technologies and concepts [9].

Core Viewpoint - The company reported a significant decline in third-quarter revenue and net profit due to a strategic shift in the domestic steel industry towards "reducing quantity and improving quality," leading to a 31.14% decrease in revenue and a 40.46% drop in net profit compared to the same period last year [5]. Financial Performance - The company’s third-quarter operating revenue decreased by 31.14% year-on-year [5]. - The net profit attributable to shareholders fell by 40.46% compared to the same quarter last year [5]. - The financial report for the third quarter was not audited [3][7]. Corporate Governance - The board of directors and senior management confirmed the accuracy and completeness of the quarterly report, taking legal responsibility for any misstatements or omissions [2][5]. - The board meeting to approve the third-quarter report was held on October 29, 2025, with all members present [8][9]. Project and Order Status - As of the reporting period, the company had no significant awarded but unsigned orders [22]. - The progress of major unfinished projects was affected by national policy adjustments and social issues in overseas locations, leading to delays [24][26].

Group 1 - Guangdong Province has announced a list of pilot projects for modern agricultural industry support, with a total funding of 195 million yuan for the years 2024-2025 [3][5][6] - The pilot projects involve eight initiatives across seven cities in Guangdong, aimed at enhancing agricultural development [4][5] - The public announcement period for these projects is from October 24 to October 30, 2025 [4][5] Group 2 - The 7th World Hakka Business Conference will be held in Meizhou from November 23 to 25, 2023, focusing on global business collaboration for high-quality development [9][10][11] - The conference will feature 11 activities aimed at attracting investment, regional cooperation, and cultural exchange [10][11][12] Group 3 - The 21st China International Grain and Oil Expo will take place from October 30 to November 1, showcasing the ecological advantages of Qingyuan's silk rice [16][17][19] - Qingyuan silk rice is positioned as a key component of Guangdong's agricultural industry, highlighting its brand development at the expo [18][19][20] Group 4 - The citrus industry in Guangxi is undergoing a transformation, with a projected reduction in planting area from 9 million mu to a stable range of 4.5 to 5 million mu by 2025 [22][24][25] - This shift represents a move towards quality improvement in the citrus sector [24][25] Group 5 - The "Xingning Pigeon" brand is emerging as a significant player in the meat pigeon market, integrating supply chains and innovating in pre-prepared dishes [28][35][36] - This brand is seen as a model for driving local economic development and rural revitalization through agricultural innovation [36][37] Group 6 - Zhanjiang is recognized as a core production area for shrimp, with a focus on both breeding and processing, and is expanding its supply chain globally [39][42][43] - A seafood promotion event was held in Guiyang, showcasing Zhanjiang's strengths in the shrimp industry [40][43]

Core Viewpoint - The Guangxi citrus industry is facing significant challenges, transitioning from a period of rapid growth to one of potential decline, driven by overproduction, disease threats, and market volatility [4][5][20]. Industry Status: From Glory to Dilemma - Guangxi citrus, once thriving, has seen its planting area peak at over 9 million acres, now expected to stabilize between 4.5 to 5 million acres by 2025, marking a shift towards "reduction and quality improvement" [4][19]. - The rise of Guangxi's citrus industry coincided with the decline of Guangdong's due to Huanglongbing disease, leading to a rapid market capture [8][10]. - Prices for sugar oranges have plummeted from a peak of 8 yuan per jin in 2017 to fluctuating between 1-2 yuan per jin from 2018 to 2022, causing many farmers to neglect orchard management [13][14][19]. - The industry is at a crossroads, with structural overcapacity, disease threats, and a lack of post-harvest processing and brand influence posing significant risks [20][23]. Huanglongbing: The Silent Battle in Orchards - Huanglongbing disease has led to widespread tree removals, with estimates suggesting a reduction of at least 1 million acres from peak levels [26]. - The disease, spread by psyllids, causes yellowing leaves and stunted fruit, leading to tree death within 3-5 years [28]. - Current prevention methods are inadequate, relying on sterile seedlings, insecticides, and tree removal, with no effective treatment available [31][32]. - The incidence of Huanglongbing has increased by 12% year-on-year, with some orchards reporting over 30% infection rates [34]. Structural Issues: The Perils of Monoculture - The Guangxi citrus industry is increasingly characterized by monoculture, heightening market risks and disease spread [39][56]. - The concentration of late-maturing varieties has led to market pressure, with over 70% of the crop falling into this category [57]. - Experts warn that the current trend of planting popular varieties like Jin Qiu sugar oranges may lead to a repeat of past mistakes seen with sugar oranges and Wokan [58]. Path to Breakthrough: Winning Through Quality - Despite challenges, Guangxi's citrus industry retains unique advantages, including a favorable climate for year-round supply and a rich variety of cultivars [68]. - The government is investing in disease control and seedling subsidies, with a 300 million yuan fund allocated for 2025 [69]. - Experts recommend cautious expansion, prioritizing the renovation of old orchards, and focusing on high-quality, early-maturing varieties [70]. - The future direction of the industry emphasizes quality over quantity, scientific planting over blind following trends, and long-term planning over short-term profits [75].

Core Insights - The reform of village banks characterized by "reduction" is accelerating in 2025, with over a hundred village banks being merged, acquired, or dissolved this year alone, surpassing the total number for 2024 [1][4] - The journey of village banks has seen a shift from rapid establishment to a focus on quality and efficiency, driven by regulatory changes and market dynamics [5][6] Summary by Sections Reform Background - The reform of village banks began to show signs in 2018 with the introduction of investment management-type village banks and the "multi-county one bank" model aimed at optimizing management and enhancing financial services in underdeveloped areas [2][3] - The establishment threshold for village banks is relatively low, leading to a general characteristic of low total capital, with many banks having assets below 1 billion RMB [3] Management and Structural Changes - The investment management model allows for better resource allocation and management efficiency, addressing the limitations of small-scale operations [3][4] - The number of village banks has been decreasing since 2022, with a notable increase in mergers and acquisitions as part of the reform strategy [4][5] Market Dynamics and Challenges - Village banks were initially established to invigorate rural financial markets, but some have deviated from their intended purpose, impacting their growth potential [6][7] - The competitive landscape has shifted, with larger banks entering rural markets, although village banks primarily face competition from rural credit institutions [8] Future Directions - The ongoing reforms aim to optimize the financial ecosystem in rural areas, with a focus on efficient resource allocation through mergers [8][9] - There is a need for tailored management systems for village banks to enhance their operational effectiveness and adapt to local market conditions [9][10]