The reform and insurance reform of small and medium-sized banks is being carried out at an accelerated pace, and cases of “village restructuring” and “village restructuring” continue to emerge. According to statistics from the Enterprise Warning Notice, 261 small and medium-sized banks have merged or restructured since this year, including 83 village banks, 59 agricultural commercial banks, and 117 agricultural credit cooperatives. In August alone, over 140 small to medium banks merged or restructured. Zhou Maohua, a macro researcher at the Financial Markets Department of Everbright Bank, believes that mergers, absorption and restructuring through market-based and rule-of-law methods will help speed up the rationalization of equity structures, improve governance, effectively prevent and mitigate the risks of individual small and medium-sized banks, protect the legitimate rights and interests of depositors, and better serve the real economy of the region.

The reform and insurance reform of small and medium-sized banks is being carried out at an accelerated pace, and cases of “village restructuring” and “village restructuring” continue to emerge. According to statistics from the Enterprise Warning Notice, 261 small and medium-sized banks have merged or restructured since this year, including 83 village banks, 59 agricultural commercial banks, and 117 agricultural credit cooperatives. In August alone, over 140 small to medium banks merged or restructured. Zhou Maohua, a macro researcher at the Financial Markets Department of Everbright Bank, believes that mergers, absorption and restructuring through market-based and rule-of-law methods will help speed up the rationalization of equity structures, improve governance, effectively prevent and mitigate the risks of individual small and medium-sized banks, protect the legitimate rights and interests of depositors, and better serve the real economy of the region.