中国正在重组小型银行,自2025年以来合并或收购250多家村镇银行,以减少风险和加强金融稳定。 China is restructuring small banks, merging or acquiring over 250 village and township banks since 2025 to reduce risks and strengthen financial stability.

中国小银行正在经历重大重组,从快速增长转向在更严格的监管下提供更高质量的贷款。 China’s smaller banks are undergoing a major restructuring, shifting from rapid growth to higher-quality lending amid stricter regulations. 国家金融监管管理局推动改进风险管理和有序缩编,加快高风险村镇银行的退出。 The National Financial Regulatory Administration pushed for improved risk management and orderly downsizing, accelerating the exit of high-risk village and township banks. 自2025年初以来,已经合并或收购了250多个此类机构,主要国有银行如ICBC、ABC和通信银行获准将其转换为分银行。 Since early 2025, over 250 such institutions have been merged or acquired, with major state-owned banks like ICBC, ABC, and Bank of Communications approved to convert them into sub-branches. 由合规、竞争和创新需要驱动的改革旨在加强治理,减少系统性风险,并通过面向市场、有章可循的措施建立更稳定的金融体系。 The reforms, driven by compliance, competition, and innovation needs, aim to strengthen governance, reduce systemic risks, and build a more stable financial system through market-oriented, rule-based measures.