● 本报记者 张佳琳 核心在于提质 招联首席研究员董希淼表示，村镇银行结构性重组主要有四种方式：一是村镇银行被主发起行吸收合 并，改制为主发起行的分支机构；二是多家村镇银行合并重组为一家；三是村镇银行直接解散，实施市 场化退出；四是主发起行通过增持旗下村镇银行股份，来加强对村镇银行的管理和治理。其中，"村改 支""村改分"已成为村镇银行结构性重组的重要方式。 村镇银行作为我国金融体系中的"毛细血管"，诞生于2006年，其稳健运行关系到金融服务实体经济"最 后一公里"是否畅通。村镇银行普遍资本金规模小，部分村镇银行存在历史包袱重、公司治理不完善、 风险抵御能力弱等问题。 在董希淼看来，中小银行改革并非简单地数量减少，而是通过市场化、法治化手段进行一场结构性重 组。下一步，中小金融机构改革化险或重点围绕有序推进高风险机构的市场化出清、以强化公司治理作 为"提质"核心、确保改革过程平稳和严防风险外溢三个方面展开。 当前，多地"XX村镇银行"的招牌已被摘下，取而代之的是"XX银行支行"。几字之差的背后是席卷全国 中小银行的改革浪潮。今年以来，在政策引导和银行自身发展动力的双重推动下，中小银行的改革步入 深水区。据企业 ...

Core Viewpoint - The rapid restructuring of rural banks under Shanghai Pudong Development Bank (SPDB) is a response to regulatory demands for financial risk mitigation, with several rural banks being dissolved and their assets transferred to SPDB branches [1][2]. Group 1: Recent Developments - As of November 2023, multiple rural banks under SPDB have been approved for dissolution, with their assets and liabilities being taken over by SPDB [1]. - A total of six rural banks have been dissolved this year, transitioning to branches of SPDB [1]. - The restructuring includes the acquisition of banks in various regions, such as Dalian, Yunnan, and Xinjiang, with new branches being established in their place [1]. Group 2: Financial Performance - By the end of 2024, the 28 rural banks established by SPDB will have total assets of 40.221 billion yuan, with deposits of 33.186 billion yuan and loans of 22.439 billion yuan [2]. - The number of clients served includes 1.4332 million settlement customers and 54,900 loan customers, with an average loan amount of 408,800 yuan [2]. - In 2024, these banks are projected to generate operating income of 693 million yuan, but will incur a net loss of 69 million yuan [2]. Group 3: Industry Outlook - Experts predict an acceleration in the structural reorganization of rural banks, leading to a gradual decrease in their numbers [3]. - There is a call for guiding policies to help rural banks refocus on their core missions and effectively manage risks while supporting rural revitalization and small enterprises [3]. - The importance of small and medium-sized banks is emphasized, with recommendations for differentiated regulatory support and incentives for banks that effectively manage rural bank investments [3].

Core Viewpoint - The restructuring of village banks into branches (referred to as "village to branch" or "村改支") is gaining momentum among major state-owned banks in China, with Agricultural Bank of China acquiring Zhejiang Yongkang Nongyin Village Bank and establishing three branches [1][2]. Group 1: Recent Developments - Agricultural Bank of China has received approval to acquire Zhejiang Yongkang Nongyin Village Bank and establish three branches: Yongkang Jinshan Branch, Yongkang Huku Branch, and Yongkang Houcheng Street Branch [1]. - This follows the earlier move by Industrial and Commercial Bank of China (ICBC) in June, which was the first state-owned bank to implement the "village to branch" model by acquiring Chongqing Bishan Nongyin Village Bank [1][2]. Group 2: Regulatory Context - The regulatory body has been focusing on the risks associated with village banks, which constitute over 90% of the banking sector in China and play a crucial role in local economic development and financial inclusion [2][3]. - In 2021, the former China Banking and Insurance Regulatory Commission issued guidelines to promote the merger and restructuring of village banks to mitigate risks, allowing high-risk village banks to be converted into branches if the parent bank has a local presence [2][3]. Group 3: Industry Implications - The restructuring is expected to enhance operational standardization, risk resilience, and expand the business scope and technological capabilities of the newly formed branches [4]. - Merging village banks into branches can lead to improved corporate governance and reduced operational costs, while also enhancing the ability to serve small and micro enterprises and rural areas [4][5]. - The pace of restructuring is anticipated to accelerate, resulting in a gradual decrease in the number of village banks [4][5].

Core Viewpoint - The article discusses the recent trend of state-owned banks in China converting village banks into branches, highlighting the acquisition of Zhejiang Yongkang Nongyin Village Bank by Agricultural Bank of China and the implications for the banking sector [1][3]. Group 1: Recent Developments - Agricultural Bank of China has received approval to acquire Zhejiang Yongkang Nongyin Village Bank and establish three branches [1][3]. - This acquisition follows a similar move by Industrial and Commercial Bank of China, which was the first to convert a village bank into a branch earlier this year [6][7]. - The number of village banks controlled by Agricultural Bank of China will decrease from six to five after this acquisition [3]. Group 2: Regulatory Context - The regulatory environment has been increasingly focused on the risks associated with village banks, with over 90 village banks approved for exit this year, surpassing the total from the previous year [7][8]. - The regulatory bodies have emphasized the need for structural reorganization of village banks to mitigate risks and improve governance [7][9]. Group 3: Benefits of Conversion - The conversion of village banks to branches is expected to enhance operational standardization, risk resilience, and business scope through the support of the parent bank [9][10]. - Merging village banks into branches can lead to economies of scale, reducing operational and regulatory costs while improving governance and risk management capabilities [9][10]. - The restructuring is anticipated to accelerate the reduction of village banks, with a focus on enhancing their ability to serve small and micro enterprises and rural areas [9][10].

Group 1 - The Guangdong village bank reform has made new progress with the dissolution of Zhongshan Dongfeng Zhujiang Village Bank and the establishment of a liquidation team to handle the clearing process [1] - Guangzhou Rural Commercial Bank plans to absorb and merge Zhongshan Dongfeng Zhujiang Village Bank by December 2024, with the formal approval from the Guangdong Regulatory Bureau expected in May 2025 [1][4] - The merger aims to optimize the strategic layout of the group and integrate operational resources, in line with regulatory requirements for restructuring high-risk village banks [4] Group 2 - As of the end of 2024, Guangzhou Rural Commercial Bank holds a 35% stake in Dongfeng Village Bank, with 100% voting rights [6] - In 2019, Dongfeng Village Bank reported revenues of 56.659 million and a net profit of 27.174 million, with a year-on-year decline in net profit of 55.6% [6] - The successful merger of Dongfeng Village Bank marks the first case of a Pearl River system village bank being absorbed and upgraded to a commercial bank branch in Guangdong [7]

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].