11月，兰州银行（SZ001227）股东大会审议通过该行收购庆城县金城村镇银行设立支行的议案。记者梳理发现，这至少是该行自2024年以来第四次对旗 下村镇银行进行吸收合并。 图片来源：公告截图 2025年，我国村镇银行改革化险进入深水区。多地城商行频频出手，通过"收购＋分支行改建"模式整合旗下村镇银行，标志着"村改支"已成为行业重组的 主流路径。 与此同时，工商银行等国有大行也首次下场参与，超200家村镇银行被批复合并或批复解散。这场由政策驱动与风险化解双轮驱动的结构性改革，正重塑 着农村金融版图，在"减量"的同时力求"提质"，为乡村振兴战略注入更稳健的金融活水。 兰州银行今年多次"村改支" 兰州银行自2024年起加快了整合旗下村镇银行的步伐。2024年初，公司股东大会上，审议通过了拟收购永靖县金城村镇银行和甘肃西固金城村镇银行并设 立支行的相关议案。 2024年12月，国家金融监督管理总局批准了兰州银行收购合水县金城村镇银行和甘肃西固金城村镇银行的申请。 图片来源：网页截图 收购完成后，两家村镇银行解散法人资格，新设为兰州银行的分支机构，包括合水支行、山丹街支行等。 2025年8月，兰州银行再次完成对陇南市 ...

Core Insights - The banking and insurance sectors in China have shown stable performance in the first half of 2022, with a significant increase in loans and asset disposals, supporting economic growth and stability [1][2][3] Group 1: Support for Economic Growth - In the first half of 2022, RMB loans increased by 919.2 billion compared to the previous year, with new bond investments by banking and insurance institutions reaching 6.6 trillion, an increase of 3.3 trillion year-on-year [1] - By the end of June, inclusive small and micro loans grew by 22.6%, indicating a continued decline in comprehensive financing costs [1][3] - Manufacturing loans increased by 3.3 trillion, with high-tech manufacturing loans growing by 28.9% year-on-year, reflecting support for economic transformation and green initiatives [1] Group 2: Financial Risk Control - The banking sector disposed of 1.41 trillion in non-performing assets in the first half of 2022, an increase of 219.7 billion year-on-year, while shadow banking activities were reduced, with entrusted and trust loans decreasing by 380.6 billion [2] - By the end of the second quarter, commercial banks had a provision coverage ratio of 203.8% and a capital adequacy ratio of 14.87%, indicating strong risk resilience [2] - Insurance companies maintained an average comprehensive solvency adequacy ratio of 224.2%, reflecting their capacity to withstand financial risks [2] Group 3: Support for Small and Micro Enterprises - As of the end of June, the total balance of loans to small and micro enterprises reached 55.84 trillion, with inclusive small and micro enterprise loans at 21.77 trillion, growing at a rate of 22.6%, which is 11.69 percentage points higher than the average loan growth rate [3] - In response to challenges faced by small and micro enterprises due to the pandemic, the China Banking and Insurance Regulatory Commission (CBIRC) implemented 42 policies to support these businesses, resulting in significant loan increases in May and June [3][4] - The CBIRC plans to continue stabilizing the loan supply to small and micro enterprises, enhancing service quality and addressing information asymmetry between banks and enterprises [4]