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there has been new progress in the reform and risk reduction of village banks in hebei province.

on september 24, administrative licensing information disclosed on the official website of the financial regulatory administration showed that three village banks in hebei were recently approved for dissolution; on the same day, shijiazhuang hengsheng village bank was approved to absorb and merge two village banks.

three rural banks approved for dissolution

the approval document shows that on september 20, the hebei financial regulatory bureau agreed to the dissolution of changli jiayin rural bank, qinhuangdao funing jiayin rural bank, and lulong jiayin rural bank.

the reason for the dissolution of these three village banks was that they were acquired by zhangjiakou bank. the hebei financial regulatory bureau pointed out that all the businesses, properties, claims, debts and other rights and obligations of the three banks were inherited by zhangjiakou bank, and required the three banks to handle dissolution-related matters in strict accordance with relevant laws and regulations; from the date of receipt of the approval, all business activities shall be immediately stopped, and the shareholders' meeting, board of directors, board of supervisors and senior management shall immediately stop exercising their powers, return the financial license to the qinhuangdao financial regulatory bureau, make a good dissolution announcement to the outside world, and go through the cancellation registration procedures in accordance with the law.

on august 27 this year, the hebei financial regulatory bureau agreed to zhangjiakou bank's acquisition of the three village banks and the establishment of zhangjiakou bank changli branch, zhangjiakou bank qinhuangdao funing branch, and zhangjiakou bank lulong branch. the latest disclosed documents show that all three branches were approved to open on september 20.

the business scope of the three branches is: accepting public deposits; issuing short-term, medium-term and long-term loans; handling domestic settlements; handling bill acceptance and discounting; issuing financial bonds; acting as agents for issuing, redeeming and underwriting government bonds; buying and selling government bonds and financial bonds; engaging in bank card business; acting as agents for the collection and payment of funds and insurance business; and other businesses approved by the state financial supervision and administration bureau and its dispatched agencies and authorized by the superior bank.

according to data, zhangjiakou bank was formerly known as zhangjiakou city commercial bank, which was established in march 2003 and renamed zhangjiakou bank in march 2016. in the first half of this year, zhangjiakou bank achieved operating income of 3.526 billion yuan and net profit of 691 million yuan; as of the end of june, the bank's total assets reached 350.28 billion yuan.

shijiazhuang hengsheng rural bank absorbed and merged two rural banks

in addition, on september 20, the hebei financial regulatory bureau also agreed to the absorption and merger of shijiazhuang hengsheng rural bank with zhengding hengsheng rural bank and luquan hengsheng rural bank, and to take over the assets, liabilities, businesses and employees of zhengding hengsheng rural bank and luquan hengsheng rural bank.

hebei financial regulatory bureau stated that shijiazhuang hengsheng rural bank should strictly follow relevant laws and regulations to handle the preparations for the merger and absorption, and urge zhengding hengsheng rural bank and luquan hengsheng rural bank to complete the dissolution-related matters. after the preparations for the merger and absorption are completed, the relevant legal entity changes and branch opening applications should be submitted to the regulatory authorities in accordance with relevant procedures and regulations.

data shows that shijiazhuang hengsheng rural bank, zhengding hengsheng rural bank and luquan hengsheng rural bank are all rural banks initiated and established by zhejiang wenzhou ouhai rural commercial bank. in august this year, the hebei financial regulatory bureau agreed that zhejiang wenzhou ouhai rural commercial bank would acquire the equity of zhengding hengsheng rural bank and luquan hengsheng rural bank, and the shareholding ratio would increase from 40% to 100%.

in addition, it is worth noting that under the guidance of policies and supervision, the reform and restructuring of village banks in hebei has been significantly accelerated since the second half of the year.

for example, in early september, hebei xingtai rural commercial bank was approved to acquire the equity of four villages and towns, and its shareholding ratio increased to 100%; in august, chengdu rural commercial bank was approved to acquire the equity of eight village banks including luannan zhongcheng village bank and anguo zhongcheng village bank, and its shareholding ratio increased to 60%; and hebei zhengding rural commercial bank was approved to absorb and merge zanhuang longxing village bank, and chengde county hengsheng village bank was approved to absorb and merge pingquan hengsheng village bank.