日前，锦州银行公告宣布其相关资产、负债、业务、网点和人员已获批由工商银行收购承接，两家机构已 就本次转让签署《收购承接协议》。锦州银行表示，其依法合规开展的商业银行业务以及相关资产负债将 由工行受让，锦州银行存款人的合法权益将不受影响。 这是中小银行兼并重组的最新案例。在此之前，工行、交行、农行已有公开案例显示，国有大行通过"村改 支"（收购旗下村镇银行并改制为相应支行）、划归管理部分农村中小金融机构等方式参与改革化险。 金融监管总局局长李云泽10月27日在2025金融街论坛年会上还表示，金融监管总局将巩固风险处置成果，稳 妥有序推进中小金融机构兼并重组、减量提质。加大不良资产处置和资本补充力度，丰富处置资源和手段，保 障金融体系稳健运行。 业务迁移涉及存折、存单、借记卡关联账号调整 根据锦州银行发布的业务迁移预通知，由于需要开展IT系统等准备，工行对锦州银行相关业务实施的业务迁 移，将自通知发布日（10月26日）起15个工作日之后实施。 （锦州银行公告截图） 具体来看，本次转让涉及的业务包括单位客户的单位银行结算账户业务、企业网上银行、支票业务、代发工资 业务，个人客户的支付结算业务、代销基金业务、个人客户 ...

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, with the transfer of various banking operations and assets [1] - The business migration will include unit customer accounts, online banking, payroll services, and various personal banking services, with adjustments to account numbers for affected customers [2] - The migration process will take place 15 working days after the notification date, with a temporary suspension of certain payment services during the transition [3] Group 2: Background and Historical Context - Jinzhou Bank was established in 1997 and was listed on the Hong Kong Stock Exchange in 2015, becoming the third city commercial bank from Northeast China to do so [4][5] - The bank faced a severe liquidity crisis in 2019, leading to a significant restructuring involving the acquisition of 150 billion yuan in non-performing assets and a capital injection from various institutions [5][6] - Following the restructuring, Jinzhou Bank's capital adequacy ratios improved, but its operational performance has not shown significant recovery, with a reported net profit decline of 23.5% year-on-year as of mid-2022 [6] Group 3: Regulatory Environment - The Financial Regulatory Bureau has emphasized the importance of stabilizing the financial system and has made the reform of small and medium-sized financial institutions a priority in recent years [8][10] - As of mid-2023, the number of small and medium-sized banks has decreased significantly, indicating ongoing consolidation in the sector [8]

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]