Reporter Jiahe.
Recently, another village bank was absorbed and merged and dissolved!
The specific details are as follows
The dissolution of village and township banks adds another case
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.
At the same time, matters related to dissolution should be handled in strict accordance with the requirements of relevant laws and regulations. From the date of receipt of the reply, all business activities shall be immediately stopped, and the general meeting of shareholders, the board of directors, the board of supervisors and the senior management shall immediately stop exercising their powers, return the financial license to the Liuzhou Supervision Branch of the State Financial Supervision and Administration Bureau, make an announcement to the outside world, and go through the cancellation registration procedures in accordance with the law.
It is reported that Guangxi Rongshui Liuyin Village Bank was established on December 25, 2010 and has been in operation for nearly 13 years, with a registered capital of 36.7 billion yuan, registered in the Renmin Road Convention and Exhibition Center, Rongshui County, Guangxi, with a staff size of 50-99 people. At the same time, it is worth mentioning that the largest shareholder of the bank is Bank of Liuzhou, holding 85% of the shares6%。
From the perspective of the acquiring bank, the data shows that Bank of Liuzhou was established on March 28, 1997 and renamed Liuzhou Commercial Bank in September 1998In June 2010, it was renamed Bank of Liuzhou.
At the end of 2022, the total assets of Bank of Liuzhou were 20296.9 billion yuan. According to the bank's official website, Bank of Liuzhou is a joint-stock commercial bank with independent legal personality initiated and established by local finance and enterprise legal persons, and is a local leading enterprise in Liuzhou City, one of the top 500 global banks, one of the top 100 in China's banking industry, one of the top 500 service enterprises in China, and one of the top 100 enterprises in Guangxi.
During the year, a number of village and township banks were dissolved
On the whole, at least seven village and township banks have announced their dissolution during the year, and from the perspective of the way of dissolution, the main mode of most withdrawals is dissolution due to absorption and merger by the main sponsoring bank. However, a small number of village and township banks have chosen to withdraw in a market-oriented manner.
For example, in July this year, Chongqing Liangping Aoxin Village Bank Co., Ltd. was approved to dissolve, and the village bank achieved a market-oriented exit and has cleared all deposit and loan businesses. It is understood that Chongqing Liangping Australia and New Zealand Village Bank was established by Australia and New Zealand Banking Group, and is the first village bank established by Australia and New Zealand Bank in China.
According to statistics, village and township banks are the banks with the largest number of institutions in China, which have played a positive role in solving the shortage of rural financial supply and the financing of "three rural", but there are also many problems. In recent years, a small number of village and township banks have gradually deteriorated into high-risk institutions.
Therefore, under the promotion of policies, all localities have intensified their efforts to resolve the risks of rural financial institutions, and the structural restructuring of village and township banks has been accelerated. It is reported that in April this year, the former China Banking and Insurance Regulatory Commission issued the "Notice on the Banking and Insurance Industry to Do a Good Job in Comprehensively Promoting Rural Revitalization in 2023", which clearly stated that it is necessary to accelerate the reform of rural credit cooperatives and promote the structural restructuring of village and township banks.
In the past period of time, with the encouragement of the relevant departments, village and township banks and loan companies have blossomed everywhere. Some insiders pointed out that in recent years, the country's policy is to promote the reform of small and medium-sized banks, which can be seen from the first financial work conference "to support large state-owned financial institutions to be better and stronger, strict access standards and regulatory requirements for small and medium-sized financial institutions" and other proposals. "The absorption and dissolution of some small-scale financial institutions is also conducive to comprehensive financial supervision. ”
At the same time, Lou Feipeng, a researcher at the Postal Savings Bank, also pointed out that in the process of absorption and merger of village and township banks, it is necessary to adhere to the principles of marketization and legalization, and pay attention to giving full play to the advantages of village and township banks in serving county and rural financial markets, and improve the quality of financial services and rural revitalization strategies through mergers.
Edit: Captain's Review: Muyu.