包含青岛在内，全国村镇银行改革重组动作正在加快。近日，青农商行发布多项公告，该行拟吸收合并金乡蓝海村镇银行、平阴蓝海村镇银行和日照蓝海 村镇银行，并将其改建为分支机构。青岛黄岛舜丰村镇银行解散，行内资产、负债、业务及各项权利义务由潍坊农商银行承接。国家金融监督管理总局数 据显示，6月1日以来，全国已有36家村镇银行注销金融许可证，相较于去年同期的1家而言数量有了大幅提升。 黄岛舜丰村镇银行解散 8月12日，青农商行发布多项公告，其中《第五届董事会第十次临时会议决议公告》显示，会议审议通过多项重要议案，该行拟吸收合并金乡蓝海村镇银 行、平阴蓝海村镇银行和日照蓝海村镇银行，并将其改建为分支机构。 根据青农商行2024年年报显示，青农商行持有金乡蓝海村镇银行股权31%，投票表决权61%；持有平阴蓝海村镇银行股权52%，投票表决权62%；持有日 照蓝海村镇银行股权15%，投票表决权60%。其中，平阴蓝海村镇银行、日照蓝海村镇银行当年均为亏损状态。 11家分支机构易主开业 青农商行公告显示，截至2025年3月末，上述3家村镇银行的总资产规模合计约54.32亿元。其中，金乡蓝海村镇银行总资产37.98亿元，平阴蓝海村镇银 ...

上海金融与法律研究院研究员杨海平表示，大型银行积极响应中央金融工作会议关于加快处置高风 险中小金融机构的有力举措，参与农村中小银行改革化险，充分体现了上下一盘棋的体制优势，向外界 传递出加速改革化险的积极信号。不过，总体来看，未来大型银行参与村镇银行改革案例不会很多。因 为在村镇银行改革化险中，大型银行设立的村镇银行占比较小。绝大多数的村镇银行主发起行为城商 行、农商行。 今年以来，我国村镇银行进行"村改支"的动作在多地频繁上演，由地方城商行、农商行等主发起行 参与，将其旗下经营不善的村镇银行进行改制。例如，常熟银行于今年6月份发布公告显示，常熟银行 拟吸收合并如东融兴村镇银行，合并后如东融兴的法人资格将注销，其全部业务、资产及负债由常熟银 行承继，并计划设立分支机构以优化网点布局。 杨海平表示，稳妥有序推进村镇银行重组，首先要审慎选择改革重组的形式。需要考虑村镇银行的 风险程度以及主发起行和属地政府的可用资源、化险责任。风险不是很严重的情况下，可以考虑主发起 行增资。风险相对严重的情况下，若村镇银行处于城商行、农商行经营地域范围之内，则使用吸收合并 的方式；如果超出了主发起行的经营地域范围，则多用他行吸收合 ...

日前，在2025年上半年广东银行业保险业新闻通气会上，广东金融监管局党委委员、二级巡视员黄海晖 提到，推进中小机构减量提质，巩固"1+7"适度管理竞争的广东农合机构市场体系，稳妥推进村镇银行 改革重组，今年批复2家村行解散及9家村行吸收合并。 据广东金融监管局网站信息，2024年4月，南粤银行收购中山古镇南粤村镇银行设立分支机构获批，拉 开了广东省内村镇银行改革重组序幕；至今，已有17家村镇银行获批或完成改设为吸收合并方分支机 构，其中6家于2025年7月11日同日获批吸收合并。记者注意到，7家城农商参与了上述17家村镇银行吸 收合并，顺德农商行获批吸收合并6家，数量最多；部分城农商行在推进村镇银行改革化险、实现自身 版图扩张同时，自身也面临一定"失血"压力。 17家村行获批改设分支机构 顺德农商行获批兼并数量最多 对于吸收合并村镇银行并改设分支机构，多家城农商行在公告中强调"整合资源"。例如，广州农商行披 露的关于吸收合并部分珠江村镇银行议案表决公告中提到，优化本集团战略布局，整合经营资源；东莞 农商行关于东莞大朗东盈村镇银行系统切换及业务变更的公告显示"进一步整合集团经营资源，更好地 为客户提供金融服务" ...

Core Viewpoint - Guangdong continues to promote the reduction and quality improvement of small and medium-sized institutions, consolidating the "1+7" moderately managed competitive market system for rural cooperative institutions [1] Group 1 - A total of 17 rural banks have been approved for absorption and merger within the jurisdiction [1] - This year, 2 rural banks have been approved for dissolution and 9 rural banks for absorption and merger [1]

Group 1 - The core viewpoint of the article highlights the approval of Industrial and Commercial Bank of China (ICBC) to acquire Chongqing Bishan Rural Bank and establish a new branch, indicating a significant move in the reform of rural financial institutions [1] - The "village-to-branch" model is gaining traction as a method for restructuring rural banks, with ICBC's acquisition being a notable example of this trend [2] - ICBC has initiated the establishment of two rural banks, with Chongqing Bishan being the first fully-owned rural bank in the western region, showcasing its commitment to rural financial reform [1][2] Group 2 - The article discusses the broader context of rural bank reforms in China, emphasizing the need for consolidation and restructuring to enhance operational efficiency and risk management [2] - China’s rural banks are experiencing a trend of reduction in numbers, with many being absorbed by their parent banks and transformed into branches, a process referred to as "village-to-branch" [2] - The restructuring is expected to leverage the strengths of large state-owned banks, enhancing financial support for rural areas and small enterprises [2] Group 3 - China Bank is also mentioned for its strategy of holding and managing rural banks through its subsidiary, Zhongyin Fudeng Rural Bank, which has established a significant network across 22 provinces [3] - Zhongyin Fudeng has been actively increasing its capital to strengthen its rural banks, including recent acquisitions of shares to enhance its ownership stakes [3][5] - The capital injection is aimed at improving the financial health and operational capabilities of rural banks, thereby increasing their ability to serve local economies [5] Group 4 - The article notes potential risks in the restructuring process, including competition from larger banks and the challenge of maintaining customer trust during transitions [4] - It emphasizes the importance of capital supplementation for rural banks to improve their resilience against economic fluctuations and enhance their lending capabilities [5] - The article also mentions that other major banks like Agricultural Bank and Postal Savings Bank have minimal involvement in rural banks, indicating a concentrated market among a few players [5]

Core Viewpoint - The acquisition of Chongqing Bishan Rural Bank by Industrial and Commercial Bank of China (ICBC) and its transformation into a branch represents a significant move in the ongoing reform and restructuring of rural banks in China, aimed at enhancing financial services and risk management capabilities [1][2][3] Group 1: Company Actions - ICBC has received approval to acquire Chongqing Bishan Rural Bank and establish ICBC Chongqing Bishan Central Avenue Branch, marking a rare instance of a state-owned bank acquiring a rural bank and converting it into a branch [1] - As of the end of 2024, ICBC will own two rural banks, with ownership stakes of 60% and 100% respectively [1] - The acquisition is seen as a breakthrough in the "village to branch" initiative, providing a model for future reforms [2] Group 2: Industry Trends - The restructuring of rural banks is gaining momentum, with several banks announcing mergers and conversions of rural banks into branches, indicating a trend towards consolidation and quality improvement in the sector [3][4] - The regulatory framework supports the transformation of high-risk rural banks into branches, allowing for better risk management and service continuity [3][6] - The overall performance of rural banks is under pressure, with many reporting losses, highlighting the need for effective restructuring strategies [4][5] Group 3: Future Outlook - The pace of rural bank restructuring is expected to accelerate, with a gradual reduction in the number of rural banks as they consolidate and improve their service capabilities [7] - The integration of rural banks into larger banking institutions is anticipated to enhance their operational efficiency and risk management capabilities [6][7] - There is a potential for more state-owned banks to participate in the "village to branch" initiative if policies are favorable and sustainable integration models are established [2][6]

Group 1 - The core viewpoint of the article highlights the rapid expansion and restructuring of rural banks in Jiangsu, with Changshu Rural Commercial Bank successfully opening three new branches as part of its "village to branch" transformation strategy [1][3] - In June alone, nearly 20 rural banks were approved for absorption and merger, indicating a clear trend towards industry consolidation and quality improvement [1][8] - Changshu Rural Commercial Bank's acquisition of three rural banks marks a significant step in its regional expansion, particularly in the Nanjing market, and reflects a broader trend of urban commercial banks absorbing rural banks to enhance their operational footprint [4][5] Group 2 - The restructuring process involves the complete takeover of various rural banks, with Changshu Rural Commercial Bank gaining 100% control over Jiangning Shangyin Rural Bank and other institutions, effectively consolidating its operations [3][4] - The integration of rural banks is seen as a means to optimize resource allocation and expand the network of branches, thereby enhancing competitiveness in the rural financial market [5][6] - The involvement of state-owned banks, such as the Industrial and Commercial Bank of China, in the absorption of rural banks signifies a new phase in the reform of small and medium-sized financial institutions [5][6] Group 3 - The historical context of rural banks shows a shift from rapid expansion to a focus on quality, with regulatory bodies initiating reforms to address governance issues and risk accumulation within these institutions [7][8] - The recent mergers and acquisitions are part of a broader strategy to enhance the operational efficiency and service capabilities of rural banks, despite some resistance from shareholders concerned about short-term impacts [9][10] - The long-term outlook remains positive, as the consolidation is expected to lead to increased customer bases and improved service capabilities, ultimately driving revenue growth [9]

Core Viewpoint - The approval of Industrial and Commercial Bank of China (ICBC) to acquire Chongqing Bishan Rural Bank and establish a branch marks the first instance of a state-owned bank participating in the "village to branch" reform, indicating an expansion of financial reform within a larger financial system [1][2][10] Group 1: Acquisition Details - ICBC has been authorized to acquire Chongqing Bishan Rural Bank and set up ICBC Chongqing Bishan Central Avenue Branch, taking over the bank's assets, liabilities, business, and employees after asset verification [1][2] - Chongqing Bishan Rural Bank was established on December 23, 2009, with a registered and paid-in capital of 100 million RMB, and is fully controlled by ICBC [2][3] - The acquisition is expected to have no impact on ICBC's stock price as the rural bank is already a subsidiary of ICBC [3] Group 2: Other Banks' Status - Other major banks, such as China Construction Bank and Postal Savings Bank, have not announced any plans regarding "village to branch" reforms [4] - Several state-owned banks have established rural banks, with examples including Bank of China’s Zhongyin Fudeng Rural Bank, which was established in 2011 and has a network of 134 legal entities and 189 branch outlets [5] Group 3: Trends in Rural Banking - The establishment of rural banks aimed to address the long-standing financial service gaps in rural areas, but many face challenges such as governance issues, lack of credibility, limited market space, and difficulties in capital replenishment [7][8] - As of the end of 2024, the number of rural banks in China has decreased to 1,538, down from a peak of 1,651 in 2021, indicating a trend of consolidation and exit from the market [8][10] - The ongoing reforms in rural banking, including "village to branch" and "village to division," are part of a broader strategy to optimize the rural financial service system [10]