近日，中国邮政储蓄银行（简称‘邮储银行’）宣布其吸收合并全资子公司邮惠万家银行的方案已获得国家金融监督管理总局正式批准。此次合并标志着邮储银行在深化数字化转型、优化组织架构和提升服务效能方面迈出关键一步。邮惠万家银行成立于2021年，是邮储银行发起设立的直销银行，旨在通过纯线上模式为客户提供便捷、高效的金融服务。然而，在实际运营中，其独立法人结构在资源整合、系统协同及成本控制等方面存在一定挑战。通过本次吸收合并，邮储银行将整合邮惠万家的业务、技术与客户资源，进一步强化其数字金融能力，避免内部重复建设，提升整体运营效率。值得注意的是，此次合并不会影响现有客户的权益和服务体验。原邮惠万家银行的客户账户、产品合约及服务渠道将平稳过渡至邮储银行体系内，继续享受安全、便捷的金融服务。此举也被视为大型商业银行优化旗下子机构布局、聚焦主责主业的重要举措，有助于推动银行业高质量发展。
Recently, China Postal Savings Bank (‘PSBC’) announced that its plan to absorb and merge its wholly-owned subsidiary, Youhui Wanjia Bank, has received formal approval from the National Financial Regulatory Administration. This merger marks a significant step in PSBC’s efforts to deepen digital transformation, streamline organizational structure, and enhance service efficiency.Launched in 2021, Youhui Wanjia Bank was established by PSBC as a direct bank operating exclusively online, aiming to deliver convenient and efficient financial services through a digital-first model. However, its independent legal entity status posed challenges in areas such as resource integration, system coordination, and cost control. By absorbing Youhui Wanjia, PSBC will consolidate its business operations, technology platforms, and customer base, thereby strengthening its digital finance capabilities, eliminating internal redundancies, and improving overall operational efficiency.Importantly, the merger will not affect existing customers’ rights or service experience. Accounts, product agreements, and service channels previously managed by Youhui Wanjia will be seamlessly transitioned into PSBC’s system, ensuring continued access to secure and user-friendly financial services. This move is also seen as a strategic effort by major commercial banks to optimize their subsidiary structures and refocus on core banking functions, contributing to the high-quality development of China’s banking sector.
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