In recent years, the structural reform of banking and financial institutions has been accelerating. On the one hand, small and medium-sized banks and high-risk village and township banks have been dissolved, and on the other hand, provincial-level urban commercial banks led by local departments and integrated a number of urban commercial banks and village and township banks have been established one after another. There is an obvious trend of concentrating resources from fragmentation to whole, from small to large, and resource concentration.
Compared with the dissolution of four banks in 2022, more than 10 banks have been dissolved in 2023, and the reform of small and medium-sized banks has accelerated significantly.
Heilongjiang Yanshou Rongxing Village Bank
Heilongjiang Bayan Rongxing Village Bank
On January 3, 2023, the official website of the China Banking and Insurance Regulatory Commission disclosed that in view of the fact that Yanshou Rongxing Village Bank and Bayan Rongxing Village Bank have been acquired by Harbin Bank, the Heilongjiang Regulatory Bureau approved the dissolution of the above two village banks, and all the business, property, creditor's rights and debts and other rights and obligations of the two village banks will be inherited by Harbin Bank.
According to public information, Yanshou Rongxing Village Bank and Bayan Rongxing Village Bank were previously 100% wholly-owned subsidiaries of Harbin Bank. According to the relevant policies, if the main initiating bank has a local branch, the local regulatory authority may explore allowing it to convert the high-risk village or township bank it initiates into a branch. The dissolution of Yanshou Rongxing Rural Bank and Bayan Rongxing Rural Bank and their sub-branches of Harbin Bank is obviously another latest achievement of the reform and reorganization of rural banks to resolve risks.
Liaoning Qianshan Jinquan Village Bank
On April 19, 2023, the Liaoning Banking and Insurance Regulatory Bureau issued a reply on the dissolution of Liaoning Qianshan Jinquan Village Bank
In view of the acquisition of Qianshan Jinquan Rural Bank by Anshan Bank, it was agreed that Qianshan Jinquan Rural Bank would be dissolved due to the merger, and that all the business, property, creditor's rights and debts and other rights and obligations of Qianshan Jinquan Rural Bank would be inherited by Anshan Bank.
Yunnan Zhaotong Zhaoyang Fudian Village Bank
On April 24, 2023, the Yunnan Banking and Insurance Regulatory Bureau issued an announcement stating that it agreed to the dissolution of Zhaotong Zhaoyang Fudian Village Bank due to its absorption and merger by Fudian Bank. All the business, property, creditor's rights and debts, and other rights and obligations of the village and township bank were inherited by Fudian Bank in accordance with the law.
Chongqing Liangping Aoxin Village Bank
On July 6, 2023, Chongqing Liangping Aoxin Village Bank plans to realize the market-oriented exit of village and township banks through dissolution, and has cleared all deposit and loan businesses. According to public information, Chongqing Liangping Aoxin Village Bank was established by the Australian and New Zealand Banking Group*** and is a wholly foreign-owned bank.
Guangxi Rongshui Liuyin Village Bank
On November 30, the State Administration of Financial Supervision and Administration issued an announcement that Guangxi Rongshui Liuyin Village Bank was dissolved.
The announcement stated that in view of the acquisition of the bank by Bank of Liuzhou, it was agreed that Guangxi Rongshui Liuyin Village Bank would be merged and dissolved, and all its business, property, creditor's rights and debts, as well as other rights and obligations would be inherited by Bank of Liuzhou in accordance with the law.
Inner Mongolia Huolin Gol Mengyin Village Bank
On November 30, 2023, the Inner Mongolia Supervision Bureau of the State Administration of Financial Supervision issued an approval showing that in view of the acquisition of Huolin Golmengyin Village Bank by Bank of Inner Mongolia, it was agreed that the village bank would be dissolved due to the merger, and all its business, property, creditor's rights and debts and other rights and obligations would be inherited by Bank of Inner Mongolia in accordance with the law.
Beijing Daxing Huaxia Village Bank
In November 2023, the Beijing Supervision Bureau of the State Administration of Financial Supervision and Administration issued an approval, agreeing to Huaxia Bank's acquisition of Beijing Daxing Huaxia Village Bank Co., Ltd., undertaking all its assets, liabilities, rights and obligations, and establishing Huaxia Bank's shares*** Beijing Kangzhuang Road Branch and Beijing Pangezhuang Branch.
Shijiazhuang Gaocheng Hengsheng Village Bank
Shijiazhuang Jinzhou Hengsheng Village Bank
On December 11, 2023, the Hebei Supervision Bureau of the State Administration of Financial Supervision issued an approval showing that it agreed that Shijiazhuang Xinhua Hengsheng Village Bank (hereinafter referred to as "Xinhua Hengsheng Village Bank") would change its name to Shijiazhuang Hengsheng Village Bank Co., Ltd. after absorbing and merging Gaocheng Hengsheng Village Bank and Jinzhou Hengsheng Village Bank, and the organizational form was changed to a limited liability company.
On the same day, the Hebei Supervision Bureau of the State Administration of Financial Supervision and Administration also approved the dissolution of Gaocheng Hengsheng Village Bank and Jinzhou Hengsheng Village Bank, and stated that all businesses, property, creditor's rights, debts and other rights and obligations would be inherited by Xinhua Hengsheng Village Bank.
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