According to CoinMeta, Wang Shengbang, the chief lawyer of the Financial Regulatory Administration and director of the Regulations Department, stated at the 17th Caixin Summit that globally, the reorganization and integration of small and medium-sized banks is an inevitable trend. Data shows that from 1990 to 2025, the number of banking entities in the United States decreased from 12,300 to 3,800, a reduction of about 69%, while in Germany, the number of banking institutions fell from 4,500 to 1,300, a decrease of over 71%. In recent years, with the acceleration of digital transformation in China, competition in the financial industry has become increasingly fierce. The Central Economic Work Conference has clearly called for promoting the reduction in quantity and improvement in quality of small and medium-sized financial institutions. By means of mergers and reorganizations, the number of small and medium-sized banking entities is to be reduced in order to enhance the stability of the banking system and improve the quality and sustainability of financial services.