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Since the beginning of this year, under the background of the Financial Supervision Administration's continuous promotion of reform and risk reduction, my country's small and medium-sized banking system is undergoing a profound transformation. A wave of mergers and reorganizations has surged, and many small and medium-sized banks have been dissolved or absorbed and merged, indicating that the pace of structural optimization of the banking industry has accelerated significantly. According to preliminary statistics from the Financial Times reporter based on the approval information released by the Financial Supervision Administration, as of now, at least 50 small and medium-sized banks have entered the track of dissolution or merger, most of which are rural small and medium-sized banks, and only one is a city commercial bank - Korla Bank. This series of actions not only reflects the helpless choice of small and medium-sized banks under operating pressure, but also heralds the beginning of a new round of integration in the banking industry.

Village banks: frequent dissolution and restructuring

As an important part of small and medium-sized banks, village banks have seen frequent cases of dissolution and restructuring this year. On July 25, Dongguan Bank was approved to acquire Dongguan Changan Village Bank and set up a branch, marking the official exit of Dongguan Changan Village Bank. The Dongguan Supervision Branch of the Financial Supervision Administration clearly pointed out in its reply that Dongguan Bank needs to urge the acquired village banks to handle the dissolution of legal entities and other related matters in accordance with regulations. This is just a microcosm of the many cases of village banks being absorbed and merged this year.

As early as April this year, Guangdong Nanyue Bank was approved to acquire Zhongshan Guzhen Nanyue Village Bank and set up Zhongshan Branch. This move not only enhanced the business coverage of Nanyue Bank, but also effectively resolved the risks of village banks. In June, Dongguan Rural Commercial Bank was more active, and was approved to absorb and merge Huizhou Zhongkai Dongying Village Bank and Dongguan Dalang Dongying Village Bank, and rebuilt these two village banks into branches under Huizhou Branch and Dalang Branch respectively. This series of operations not only enhanced the scale and strength of Dongguan Rural Commercial Bank, but also further optimized the layout of local rural financial services.