Core Viewpoint - Jinzhou Bank has announced the approval of its assets, liabilities, business, branches, and personnel to be acquired by Industrial and Commercial Bank of China (ICBC), ensuring that the rights of depositors remain unaffected [1] Group 1: Acquisition Details - The acquisition involves a formal agreement between Jinzhou Bank and ICBC, marking a significant case of consolidation among small and medium-sized banks [1] - The transfer includes various banking services such as corporate accounts, online banking, payroll services, and personal banking services [3] - The migration of services will require adjustments to account numbers for depositors, with specific changes to debit cards and other banking instruments [2][3] Group 2: Regulatory Context - The Financial Regulatory Bureau has emphasized the importance of risk management and the orderly advancement of mergers and restructuring among small financial institutions [9][11] - Recent data indicates a reduction in the number of small banks, with a total of 3,505 institutions reported as of mid-2023, a decrease of 222 from the previous year [9] Group 3: Historical Background - Jinzhou Bank faced a severe liquidity crisis in 2019, leading to a significant restructuring involving the acquisition of 1.5 trillion RMB in non-performing assets [7] - Following the restructuring, Jinzhou Bank's capital adequacy ratios improved, with a non-performing loan ratio dropping to 1.95% [7][8] - The bank's operational performance has not shown significant improvement post-restructuring, with a reported net profit decline of 23.5% year-on-year as of mid-2022 [8]

本报（chinatimes.net.cn）记者卢梦雪 北京报道 从业务迁移相关通知来看，涉及锦州银行单位客户业务、个人客户业务、信用卡业务、缴费业务等。其 中，在个人客户的代销基金业务方面，锦州银行提出，预计自通知发布之日后第 5 个和 7 个交易日起， 将分别停止办理《基金公司承接产品清单》《中国工商银行承接产品清单》所列基金的全部交易；根据 清单所列，部分产品的基金业务将转移至基金公司，部分产品的基金业务将转至工商银行。 "工商银行收购锦州银行，是大型商业银行参与化解中小金融机构风险的创新举措。"招联首席研究员董 希淼向《华夏时报》记者分析指出，中国工商银行公告正式收购承接锦州银行的相关资产、负债、业 务、网点和人员，标志着自2019年工商银行作为战略投资者入股锦州银行后，其风险处置进入全新阶 段，锦州银行最终全面并入大型商业银行。 10月26日，锦州银行正式公告，由工商银行收购承接其相关资产、负债、业务、网点和人员。锦州银行 依法开展的商业银行业务及资产负债由工商银行受让。 "目前我们还叫锦州银行，后续是否会改成工商银行的分支机构，以后续的公告为准。"10月28日，锦州 银行相关工作人员告诉《华夏时报》 ...