Within the year, over 40 banks have "disappeared", while small and medium-sized financial institutions continue to reform and face challenges.

Recently, several listed banks and local rural commercial banks have issued announcements related to the acquisition of village banks, which means that another batch of village banks are reaching their final stages due to mergers and acquisitions. Data shows that by 2024, nearly 100 village banks will be dissolved. Since 2025, this process has been accelerating, with over 40 banks exiting the market in the first quarter, with a large proportion being village banks. This year, financial regulatory authorities have identified "accelerating the reform and risk mitigation of small and medium-sized financial institutions" as the top priority for the year, with "mergers and reorganizations, reduction and improvement in quality" as important strategies for the reform of small and medium-sized banks.