"这不是简单的网点撤并，而是金融资源从粗放扩张转向精耕细作的战略转型。"业内人士分析指 出，通过合并重组，以数量的减少换来服务质量的提升。江苏宿迁东吴村镇银行立足村镇金融市场方向 不变，提升风险防控能力，在推出多元化金融产品满足村镇市场群体需求的基础上，有望实现运营成本 的优化和资源协同效应。 昨天（8月20日）成立的江苏宿迁东吴村镇银行属"四合一"吸收合并，即经国家金融监督管理总局 江苏监管局批准，由苏州银行发起设立的江苏沭阳东吴村镇银行吸收合并江苏泗阳、泗洪、宿豫东吴村 镇银行，并更名为"江苏宿迁东吴村镇银行"。 此次，苏州银行创新保留"村镇银行"配置，进一步优化金融资源配置、提升服务能级，在将村镇银 行业务纳入管理的同时，突出服务乡村、服务"三农"的特色。 ...

Core Viewpoint - The implementation of interest subsidy policies for personal consumption loans and service industry loans aims to stimulate domestic consumption and enhance market vitality through financial support [2][4]. Group 1: Policy Implementation - Major state-owned banks are actively promoting the organization and implementation of the interest subsidy policy to contribute to domestic consumption potential [1][2]. - The State Council emphasized the need for effective coordination among departments, simplification of procedures, and strict monitoring to ensure the efficient use of funds [2][4]. - The interest subsidy policy is part of a series of measures aimed at boosting consumption since the release of the "Special Action Plan to Boost Consumption" in March [2][5]. Group 2: Bank Responses - Industrial and Commercial Bank of China announced its commitment to market-oriented principles and streamlined processes to implement the policy [2][3]. - China Bank aims to deliver policy benefits directly to consumers and service industry entities through efficient financial services [2][3]. - Agricultural Bank and Postal Savings Bank plan to leverage their extensive networks to reduce consumption credit costs for urban and rural residents [3][5]. Group 3: Economic Impact - The focus on personal consumption loans and service industry loans reflects a macroeconomic adjustment strategy to stimulate demand, particularly in education and healthcare services [4][5]. - The policy is expected to alleviate financing difficulties for small and micro enterprises, which constitute over 90% of market entities, while indirectly promoting employment and income growth [5][6]. - The shift of financial resources from traditional sectors to new consumption-driven sectors aligns with the overall direction of economic transformation and upgrading [5][6]. Group 4: Risk Management - There are concerns about potential fund misallocation, necessitating a comprehensive monitoring mechanism to ensure funds reach intended sectors [6][7]. - Banks are advised to enhance their risk management frameworks, balancing inclusive finance with commercial sustainability [7][8]. - Suggestions include optimizing a tripartite risk-sharing mechanism among government, banks, and insurance, and exploring innovative financial products to stimulate consumption [8].