分析称，在加快推进中小金融机构改革化险等背景下，村镇银行重组速度加快，主发起行吸收合并村镇 银行，可借此契机适当拓宽经营范围，但也可能面临后者亏损、资产质量不佳等挑战。 收购一村镇银行并设立分支行 四川金融监管局发布的批复显示，同意恒丰银行收购广安恒丰村镇银行并设立恒丰银行广安分行和恒丰 银行广安前锋支行，承接广安恒丰村镇银行清产核资后的资产、负债、业务和员工。恒丰银行应严格按 照有关法律法规要求办理收购事宜，并督促广安恒丰村镇银行完成法人机构终止相关事宜。在上述分支 机构筹建工作完成后，按照有关规定和程序提出开业申请。 根据恒丰银行2024年年报，广安恒丰村镇银行成立于2010年12月，注册资本2亿元，截至2024年末，恒 丰银行持股40.00%。 今年1月份，广安恒丰村镇银行变更股权获得四川金融监管局批复同意。恒丰银行受让广安泰达房地产 开发有限公司、四川舜苑房地产开发有限责任公司、南充市华仁贸易有限公司持有的恒丰村镇银行股 份，共计5200万股，持股比例为26%，受让后，恒丰银行股份有限公司持股比例为66%。 恒丰银行年报显示，截至2024年末，该行在全国设有347家分支机构，遍布15个省（直辖市），包 ...

Core Insights - The reform and risk mitigation of small and medium-sized financial institutions, particularly village and town banks, are accelerating as of mid-2025, with a significant increase in the number of bank dissolutions compared to previous years [2][4] - The primary strategy for risk resolution in rural small and medium-sized financial institutions is through mergers and acquisitions, focusing on "reducing quantity and improving quality" [2][9] Summary by Category Mergers and Acquisitions - As of July 9, 2025, 84 village banks have been officially approved for dissolution, a notable increase compared to 98 in 2024 and 9 in 2023 [4] - Inner Mongolia leads the country with 15 village banks approved for dissolution in the first half of the year, followed by Shandong with 14 and Jiangsu with 5 [3] - The majority of dissolved village banks are being absorbed by local city commercial banks or rural commercial banks, often being restructured as branches [5][6] Regulatory Environment - The National Financial Regulatory Administration has prioritized accelerating the reform and risk mitigation of small and medium-sized financial institutions as a key regulatory task [2] - The first instances of cross-province mergers and acquisitions of village banks have occurred, indicating a potential shift in regulatory approaches [6][7] Involvement of Major Banks - For the first time, state-owned banks have entered the village bank merger and restructuring arena, with the Industrial and Commercial Bank of China acquiring a village bank in Chongqing [8] - Despite this involvement, other major banks are unlikely to replicate this model due to their limited ownership of village banks [8][9] Future Outlook - Experts predict that the restructuring of small and medium-sized banks will continue to accelerate, leading to a further reduction in the number of village banks [9] - Regulatory guidance is expected to be introduced to help village banks refocus on their core missions and mitigate risks while supporting rural revitalization and small enterprises [9]