广东村镇银行改革再迎新进展！据中山东凤珠江村镇银行清算组相关公告，9月18日，中山东凤珠江村 镇银行解散并成立中山东凤珠江村镇银行清算组办理清算事宜，中山东凤珠江村镇银行债权人可按相关 规定向清算组申报债权。 据悉，2024年12月，广州农村商业银行股份有限公司(下称"广州农商银行")拟吸收合并中山东凤珠江村 镇银行股份有限公司(下称"东凤村行")。2025年5月，国家金融监督管理总局广东监管局正式批复同意 广州农商银行吸收合并其控股的东凤村行。9月16日，广州农商行吸收合并旗下的东凤村行，改设为广 州农商银行中山东凤支行并举行了揭牌开业仪式。 广州农商银行中山东凤支行举行揭牌开业仪式。 而据财报信息，广州农商行2024年末对东凤村行持股比例为35%，所持投票权占比为100%。 据企业预警通最近一期数据，2019年东凤村行实现营收5665.9万元、净利润2717.4万元，净利润同比下 降55.6%。 成功落地首家珠江系村镇银行吸收合并 2025年5月，国家金融监督管理总局广东监管局正式批复同意广州农商银行吸收合并其控股的东凤村 行。 据记者统计，自2025年以来，包括东凤村行在内，广东金融监管局及派出机构已经 ...

Core Viewpoint - Guangdong's financial regulatory authority has accelerated the absorption and merger of rural banks, with nine banks approved for mergers in 2025, surpassing the total for the previous year [1][2][5] Group 1: Mergers and Acquisitions - Jiangmen Rural Commercial Bank has been approved to absorb Longchuan Ronghe Village Bank and Raoping Ronghe Village Bank as of July 16, 2025 [1] - Shunde Rural Commercial Bank has been approved to absorb multiple banks including Foshan Nanhai Xinhua Village Bank and Dongguan Changping Xinhua Village Bank on the same date [1][2] - Guangzhou Rural Commercial Bank was approved to absorb Zhongshan Dongfeng Zhujiang Village Bank and Dongguan Huangjiang Zhujiang Village Bank on June 5, 2025 [2][3] Group 2: Regulatory Context - The acceleration of mergers aligns with the regulatory framework set in January 2025, emphasizing the need for risk management and restructuring of high-risk financial institutions [1][5] - The Guangdong financial regulatory authority aims to enhance collaboration between central and local governments to address risks in small financial institutions [1][5] Group 3: Industry Trends - The trend of mergers is indicative of a broader structural reorganization within the rural banking sector, with a significant increase in the number of banks being absorbed compared to previous years [2][6] - The concept of "village to branch" reform has gained traction, with Guangdong leading the way in implementing this model, allowing for broader service offerings and market expansion [5][6] Group 4: Future Outlook - Experts predict that the restructuring of rural banks will continue to accelerate, leading to a gradual reduction in the number of such banks [6] - There is a call for guiding policies to help rural banks refocus on their core missions and effectively support rural revitalization and small enterprises [6]

Core Viewpoint - Guangzhou Rural Commercial Bank plans to absorb and merge three additional Zhujiang Village Banks, following the approval of two previous mergers, indicating a strategic move to consolidate its financial services network in Guangdong Province [2][3][4]. Group 1: Mergers and Acquisitions - The recent shareholder meeting approved the absorption and merger of Xingning Zhujiang Village Bank, Heshan Zhujiang Village Bank, and Shenzhen Pingshan Zhujiang Village Bank, which will be converted into branches of Guangzhou Rural Commercial Bank [2][3]. - After the completion of these mergers, all six Zhujiang Village Banks in Guangdong will be dissolved, with Guangzhou Rural Commercial Bank absorbing five and transferring one [4]. - The merger process is part of a broader trend of structural reorganization among small and medium-sized banks in China, with over a hundred banks expected to merge in 2024 [6]. Group 2: Financial Network Expansion - The absorption of these banks will allow Guangzhou Rural Commercial Bank to establish new branches in several Greater Bay Area cities, enhancing its financial service network in Guangdong Province [5][6]. - The bank currently operates 11 central branches and 7 branches in various cities, and the merger will facilitate the opening of five new branches in Shenzhen, Zhongshan, Xingning, Dongguan, and Jiangmen [6]. Group 3: Challenges and Performance - The bank faces challenges such as declining performance and compliance issues, as evidenced by the financial struggles of Heshan Village Bank, which reported a 51% drop in net profit and an increase in non-performing loans [7][8]. - Guangzhou Rural Commercial Bank itself has experienced negative growth in revenue and net profit, indicating the need for effective management of the merged entities to stabilize performance [7][8]. - Shareholder opinions on the mergers are divided, with approximately 91% supporting the absorption of certain banks, while a minority expressed opposition [8].