Core Viewpoint - Village banks play a crucial role in supporting rural economic development and promoting rural revitalization, but some are facing operational difficulties and rising risk levels, making integration essential for healthy industry development and financial risk prevention [1][3] Group 1: Integration of Village Banks - The integration of village banks is seen as a vital measure to enhance the industry's health and mitigate financial risks [1] - Well-rated and capable village banks should be prioritized during the integration process to maximize their positive impact [1][3] - Quality village banks have significant advantages in resource integration, allowing them to optimize branch locations, reduce operational costs, and improve service quality [1][2] Group 2: Financial Service Quality Improvement - Quality village banks can lead by example in enhancing financial service quality, tailoring credit products to local agricultural cycles and environmental factors [2] - They can develop financial service solutions for emerging industries like rural e-commerce and specialty agricultural processing [2] - Utilizing advanced financial technology, these banks can optimize online service channels, making it easier for farmers and small business owners to access services [2] Group 3: Risk Management - Quality village banks possess robust risk management systems and experience, which can be shared with integrated institutions to improve risk identification and control [2] - They can help establish liquidity risk management mechanisms and enhance internal auditing to prevent operational and moral risks [2] - By improving risk warning capabilities, these banks can help detect potential risks early and take timely measures [2] Group 4: Regulatory Support - Regulatory bodies should provide more policy support to quality village banks, encouraging their role in integration [3] - Incentives such as reduced business costs and positive evaluations for effective participating banks can stimulate their engagement [3] - Ensuring compliance and smooth integration processes through regulatory oversight is essential for protecting all parties' interests [3]

下半年以来，村镇银行改革化险与整合进程明显加快，一方面，金融许可证注销数量大幅攀升；另一方 面，多家银行密集披露吸收合并议案，清晰地展现出行业正从"分散经营"向"集约发展"转型。 村镇银行改制为分支机构的进程正不断提速，多家银行近期密集披露吸收合并议案，推动农村金融机构 整合进入实质性落地阶段。 随着近期银行股东大会密集召开，多家银行陆续披露吸收合并村镇银行的相关议案，助推整合进程加 速。国家金融监督管理总局数据显示，今年下半年以来，截至8月14日，已有21家村镇银行完成金融许 可证注销，数量远超去年同期的1家。 苏商银行特约研究员高政扬在接受《证券日报》记者采访时表示，整合提速既反映出金融机构对风险防 控的迫切需求，也预示着农村金融体系正从"广覆盖"向"精准服务"转型，通过规模化运营提升服务实体 经济的效能。 "村改支"步伐加快 下半年以来，村镇银行改革化险进程明显提速，整合动作持续深化。这一行业动态不仅牵动着农村金融 市场的格局调整，也引发了关于服务效能提升、改革挑战应对及未来趋势走向的广泛探讨。 博通咨询金融行业资深分析师王蓬博对《证券日报》记者表示，近两年来中小银行"整编重组"步伐加 快，在省联社改革 ...