作者丨郭聪聪 张欣 编辑丨周炎炎 站在2025年末回望，中国中小银行兼并重组浪潮以超预期的力度与速度纵深推进，金融风 险防控与行业高质量发展的成为本年度的核心主线。 企业预警通数据显示， 截至12月26日，2025年共有394家银行机构获批复通过合并、解散 方式退出市场。21世纪经济报道记者进一步梳理发现，纵向对比来看，这一数量较2024年 全年总量实现翻倍。中金报告显示，若将时间线拉长，2024至2025两年间，通过兼并重组 等方式减少的银行机构近550家，数量超过了此前七年的总和。 从横向观察，本次整合涉及全国28个省份，不同区域与机构类型整合路径各有特点。从地 域看，内蒙古以整合139家机构居首，山东、河南、四川、湖南等地紧随其后。从机构类型 看，村镇银行（231家）是整合核心主体，农商行（81家）和农村信用社（71家）紧随其 后。 值得关注的是，2025年的中小银行整合并非简单的数量收缩，更呈现出两大显著特征： 一 是国有大行首次入局参与"村改支"，为基层小法人机构转型提供了新参考。同时，国有大 行还首次参与收购了城商行；二是农信系统省级法人改革全面提速，形成联合银行与统一法 人农商行两大模式并行的格 ...

典礼上，刘成田董事长发表致辞，首先肯定了观海卫支行过往的成绩，对支行未来发展寄予厚望，强调 要始终坚守金融初心，立足地方需求，不断创新金融产品与服务，强化银企合作，为区域经济发展持续 赋能。 随后，刘成田董事长为支行新址揭牌。 12月9日，临商银行宁波观海卫支行迎来重要里程碑，在观海卫镇世纪大道126号举行新址乔迁开业盛 典。 临商银行党委书记、董事长刘成田，临商银行党委副书记刘健铭，宁波市山东商会会长张勇，宁波群芯 微电子股份有限公司董事长陈益群，临商银行总行相关部门负责人以及众多企业客户代表、合作伙伴等 齐聚现场出席典礼。 十二载深耕沃土，十二载初心如磐。此次乔迁新址，标志着该支行正式焕新亮相，迈入服务升级、发展 提速的全新阶段。改变的是更开阔的物理空间、更智能的办理体验，不变的是服务地方、赋能小微、惠 泽民生的使命初心。 新起点承载新使命，新征程谱写新篇章。未来，临商银行宁波观海卫支行将以新址开业为契机，锚定服 务地方经济的航向，践行"聚万家灯火，卫城兴盛"的承诺，把金融资源转化为区域发展的"助推器"，与 地方企业、市民携手并肩，共创更加美好的金融服务新图景。 ...

英国《银行家》杂志主办的"年度银行"评选是全球银行业最负盛名的奖项之一，以其独立、权威的评审体系著 称，被誉为全球银行业的"奥斯卡"。 此次是中信银行继2017年获奖后再度折桂 ，不仅标志着其在贯彻落实中 央关于金融工作各项决策部署、扎实推进高质量发展方面取得突出成果，更展现了其在中国银行业商业化、国 际化进程中的标杆地位。 据Brand Finance揭晓的《2025年全球银行品牌价值榜》，中信银行的品牌价值为169.5亿美元，同比增幅 27.2%，成为中国内地银行中品牌价值增幅第一的金融机构。 《银行家》杂志高度评价了中信银行围绕社会议题与不断变化的客群需求所进行的一系列创新实践。评委会特 别指出，中信银行围绕客户全生命周期需求，构建了横跨零售、对公和金融市场，以及涵盖财富管理、综合融 资、交易结算、外汇服务、数字化银行等领域、层次分明且覆盖广泛的产品与服务矩阵。其通过养老支柱产品 项目为银发客户提供支持，满足中国这一重要且不断增长人群的金融与非金融需求；针对年轻客户推出"拿铁 计划"固定收益产品，提供差异化投资选择，体现出对中国社会结构变迁的深刻洞察与精准响应。此外，该行 还通过并购贷款、科创金融债券承 ...

《银行家》杂志高度评价了中信银行围绕社会议题与不断变化的客群需求所进行的一系列创新实践。评 委会特别指出，中信银行围绕客户全生命周期需求，构建了横跨零售、对公和金融市场，以及涵盖财富 管理、综合融资、交易结算、外汇服务、数字化银行等领域、层次分明且覆盖广泛的产品与服务矩阵。 其通过养老支柱产品项目为银发客户提供支持，满足中国这一重要且不断增长人群的金融与非金融需 求；针对年轻客户推出"拿铁计划"固定收益产品，提供差异化投资选择，体现出对中国社会结构变迁的 深刻洞察与精准响应。此外，该行还通过并购贷款、科创金融债券承销等对公业务领域的多项突破，在 助力中国创新企业发展的同时，不断拓展业务新领域；通过自主研发"仓颉"AI平台，打造涵盖客户服 务、风险管控、运营管理等业务的80余个智能应用场景，为金融服务升级注入新动力。 展望未来，中信银行表示，将以此国际殊荣为新起点，在复杂多变的内外部环境中保持战略定力，坚定 不移地推动高质量发展，继续肩负起服务实体经济、增进社会福祉的责任，为谱写中国式现代化的金融 新篇章，贡献有担当、有价值、有特色、有温度的"中信力量"。 英国《银行家》杂志主办的"年度银行"评选是全球银行业最 ...

Core Viewpoint - The Bank of China has launched a comprehensive financial service plan for the 8th China International Import Expo (CIIE), focusing on enhancing services for exhibitors and buyers, and facilitating connections between global enterprises and the Chinese market [1] Group 1: Financial Services and Innovations - The Bank of China leverages its nearly 600 branches across 64 countries to provide tailored financial services for the CIIE, including a dedicated cross-border e-commerce area and a roundtable for global business associations [1] - The bank has developed a "point-to-point, end-to-end" closed-loop service system that supports exhibitors and buyers throughout the entire process from pre-registration to post-event fulfillment [1] - This year, the Bank of China introduced smart payment services for exhibitors at the National Exhibition and Convention Center, enabling 24-hour access for payment during setup [1] Group 2: Customized Solutions and Currency Services - The bank offers customized one-stop solutions for various sectors such as agricultural products, smart travel, technology equipment, medical supplies, and consumer goods, including settlement, financing, insurance, and foreign exchange services [1] - The Bank of China has optimized payment services for foreign exhibitors coming to China, providing cash settlement services in 33 foreign currencies, now available at 260 branches in Shanghai [1]

Core Viewpoint - The Bank of China has announced the migration of all functions from its credit card APP "Bountiful Life" to the "Bank of China" APP, aiming to provide better and more efficient financial services to customers. After the migration is complete, the "Bountiful Life" APP will cease to be available for download and will gradually shut down its services, with specific timelines to be announced later [1]. Group 1 - The migration of services is intended to enhance the quality and efficiency of financial services provided to customers [1]. - The "Bountiful Life" APP will stop being available for download and will gradually shut down after the migration is completed [1]. - Further announcements regarding the specific timeline for the migration and shutdown will be made in due course [1].

Core Viewpoint - The Henan Agricultural Bank's "Warm New Citizens" service initiative aims to provide comprehensive support and care for new citizens, addressing their immediate needs and enhancing their sense of belonging in the city [1][3]. Group 1: Service Upgrades - The initiative includes the establishment of "Warm Zones" or "New Citizen Care Corners" in over 1,000 physical branches across Henan, offering free drinking water, meal heating facilities, multi-port phone charging stations, and emergency umbrellas [1]. - During rainy weather, staff proactively provide hot drinks and distribute spare raincoats and umbrellas to new citizens [1]. - In high-temperature seasons, the bank has set up "Cooling Supply Stations" to help outdoor workers like sanitation workers and delivery personnel quickly refresh and recharge [1]. Group 2: Financial Education and Support - The bank emphasizes protecting new citizens' financial interests by providing informational materials on personal information protection, anti-fraud measures, and illegal fundraising prevention at its branches [2]. - A financial knowledge promotion team has been established to engage with new citizens in enterprises, communities, and industrial parks, making financial knowledge accessible through case studies and interactive Q&A sessions [2]. - Staff conduct surveys to understand the specific needs of new citizens, offering tailored services such as assistance with opening debit accounts and providing practical gifts like food items and personal care products [2]. Group 3: Community Integration - The "Warm New Citizens" initiative reflects the bank's commitment to the "People's City" concept, fostering a sense of belonging for new citizens and facilitating their integration into urban life [3].

Core Viewpoint - The article highlights the evolution and success of the Industrial and Commercial Bank of China (ICBC) Jinan Daguan Garden Branch over 30 years, showcasing its innovative service model and commitment to customer satisfaction, which has set a benchmark in the financial industry [1][15]. Group 1: Service Innovation - The branch pioneered "smiling service" in 1994, transforming customer interactions and setting a new standard for the banking industry [2][3]. - The "two cents for ten thousand" story exemplifies the branch's commitment to customer service, leading to a significant increase in customer loyalty and deposits [2][3]. - Over ten years, the branch expanded its services beyond basic transactions to include pension distribution and utility bill payments, significantly increasing its deposit balance from over 100 million yuan in 1995 to nearly 3 billion yuan by 2005 [4]. Group 2: Brand Development - The branch developed a "three-feature" service system in 2008, enhancing its service offerings to meet diverse customer needs and achieving a customer satisfaction rate of over 99% [6][7]. - By 2013, the branch's deposits exceeded 6 billion yuan, and loans reached nearly 5 billion yuan, reflecting its strong brand presence in the Jinan financial sector [9]. Group 3: Technological Integration - In 2018, the branch launched the "three new" service initiatives, integrating technology with traditional banking services to enhance customer experience [10][11]. - The introduction of smart teller machines and personalized assistance for elderly and disabled customers exemplifies the branch's commitment to making technology accessible [10][11]. Group 4: Cultural and Community Engagement - The branch has integrated political and ideological work with brand building, establishing a "Party Member Service Pioneer Team" to promote financial literacy in the community [9][14]. - The branch's community initiatives, such as financial knowledge workshops and support for local businesses, have strengthened its reputation as a socially responsible institution [12]. Group 5: Future Directions - Looking ahead, the branch plans to deepen its "intelligent service" offerings, explore AI integration, and enhance green finance services to support regional economic transformation [15]. - The branch aims to evolve into a symbol of quality service and community support, striving towards becoming a century-old brand [15].

Core Viewpoint - The article highlights the evolution and success of the Industrial and Commercial Bank of China (ICBC) Jinan Daguan Garden Branch over the past 30 years, emphasizing its innovative service model and commitment to customer satisfaction, which has set a benchmark in the financial industry [1][15]. Group 1: Service Innovation - In 1994, the branch pioneered "smile service" and established a customer-friendly environment, transforming the perception of banking services in China [2][3]. - The "two cents for ten thousand" story exemplifies the branch's commitment to customer service, leading to a broader service revolution in the banking sector [2][3]. - Over ten years, the branch expanded its services beyond basic transactions to include pension distribution and utility bill payments, significantly increasing its deposit balance from over 100 million yuan in 1995 to nearly 3 billion yuan by 2005 [3][4]. Group 2: Brand Development - The branch introduced a "three-feature" service system in 2008, enhancing its service offerings to meet diverse customer needs and marking a transition from basic service to a more comprehensive service model [6][7]. - The establishment of a four-tier service team allowed for tailored financial solutions, resulting in a significant increase in loans to small and micro enterprises, from under 100 million yuan in 2004 to 1.2 billion yuan in 2013 [7][9]. - By 2013, the branch's deposits exceeded 6 billion yuan, and loans approached 5 billion yuan, reflecting its successful brand-building efforts [9]. Group 3: Technological Integration - In 2018, the branch launched the "three new" service initiatives, integrating technology with traditional banking services to enhance customer experience [10][11]. - The introduction of smart teller machines and a focus on user-friendly technology for elderly and disabled customers exemplifies the branch's commitment to accessibility and service quality [10][11]. - The branch's "360° Ru Yi Work Method" ensures meticulous attention to customer service details, maintaining high satisfaction levels [11]. Group 4: Cultural and Social Responsibility - The branch's "three-dimensional service" philosophy emphasizes professional, growth-oriented, and socially responsible service, fostering a strong community connection [12][14]. - Initiatives such as financial literacy programs and community engagement activities have strengthened the branch's reputation as a socially responsible institution [12][14]. - The integration of party-building efforts with service initiatives has provided a sustainable foundation for the branch's growth and community impact [14]. Group 5: Future Directions - Looking ahead, the branch plans to deepen its "intelligent service" offerings, explore green finance, and enhance support for small businesses and new citizens [15]. - The branch aims to evolve into a symbol of quality service and community support, striving for a century-long legacy in the financial sector [15].

Core Viewpoint - The company is committed to enhancing financial services by focusing on customer needs, particularly for vulnerable groups such as the elderly, children, and individuals with disabilities, aiming to create a modern financial service system that is warm, accessible, and comprehensive [1]. Group 1: Digital Transformation and Accessibility - The company addresses the "digital divide" by launching the "Sunshine Mode" on its app, which features user-friendly design elements such as large fonts, high contrast colors, and direct access to common functions, ensuring effective service for elderly users [2]. - AI-driven customer service is implemented to provide efficient support, allowing for a seamless connection between the company and its clients [2]. Group 2: Financial Education and Awareness - The company promotes financial literacy among key demographics through various training programs and outreach initiatives, including workshops on emergency knowledge and basic sign language [4]. - Efforts to enhance risk awareness and financial autonomy are exemplified by community engagement activities, such as educating elderly and disabled individuals about consumer rights and fraud prevention [5]. Group 3: Personalized and Inclusive Services - The company offers a "one-stop" service model for elderly and disabled clients, including dedicated service areas equipped with assistive devices and multilingual support for foreign clients [8]. - Remote support options are available for clients unable to visit physical locations, ensuring that financial services are accessible to all [8]. Group 4: Community Engagement and Outreach - The company extends its educational efforts to rural areas and new citizens, conducting regular outreach to promote fraud prevention and insurance knowledge [5]. - Initiatives such as financial literacy programs in schools and community centers aim to bridge the gap between urban and rural populations, fostering mutual support and knowledge sharing [5]. Group 5: Comprehensive Service Integration - The company integrates various service channels, from in-person consultations to online adaptations, ensuring that financial care reaches every household [10].