As the difference between deposit and loan rates continues to shrink, Chinese banks are facing increasing pressure on their profit margins. Smaller and medium-sized banks, in particular, are finding their traditional deposit-loan models nearly unprofitable. As a result, many of these banks are struggling to stay afloat and are closing their doors.
Available data indicates that by June 26, 210 small and medium-sized banks across China had been approved for dissolution or merger in 2025. On May 16 alone, 120 small banks in Inner Mongolia disappeared.
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