中国大规模农村银行兼并引起了金融稳定性问题,因为不良贷款比率飙升。 China's massive rural bank mergers raise financial stability concerns as bad loan ratios soar.

2024年,中国经历了最大的农村银行合并浪潮,近300家银行和合作社合并成为较大的放款人。 In 2024, China saw its largest wave of rural bank mergers, with nearly 300 banks and cooperatives combined into larger lenders. 这种合并可能造成更大的麻烦银行,因为许多银行都是通过短期借贷和负债的省政府支持的短期贷款筹资的。 This consolidation, which could create larger troubled banks, is concerning as many are funded through short-term borrowings and backed by indebted provincial governments. 农村银行的不良贷款比率达到3.04%,接近全国平均水平的两倍,增加了金融稳定的风险。 The bad loan ratio for rural banks hit 3.04%, nearly double the national average, raising risks to financial stability.