In the first quarter of 2026, Postal Savings Bank of China (PSBC) approved over 20 billion yuan in merger and acquisition (M&A) loans under the new policy framework, with more than 5 billion yuan already disbursed. These loans have supported projects across regions including Beijing, Shandong, Anhui, Guangdong, and Henan, providing financial resources to facilitate industrial integration, upgrading, and the transformation and development of state-owned enterprises.
At the end of last year, the National Financial Regulatory Administration issued the "Commercial Bank M&A Loan Management Measures." The measures encourage commercial banks to enhance their M&A financing services by raising the maximum financing ratio for M&A loans, extending the maximum loan term, and, for the first time, including minority stake acquisitions within the scope of eligible loan support. These adjustments aim to support the development of a modern industrial system and foster new quality productive forces.
Following the implementation of the measures, PSBC, as a major state-owned bank, promptly aligned with the policy direction. It has positioned M&A loan business as a key driver for promoting high-quality development, seizing policy opportunities through rapid deployment and targeted efforts. The bank established specialized working groups, scientifically planned business layouts based on regional industrial strengths, and identified key areas for business advancement. At the same time, PSBC has continuously optimized its business authorization management mechanism, delegating greater authority to capable branches to improve operational efficiency and service quality.
PSBC is focusing on building a comprehensive service system that integrates "M&A loans + M&A advisory + M&A matchmaking + M&A funds + M&A notes" to meet clients' combined needs for financing and strategic expertise. By strengthening coordination between headquarters and branches, concentrating on resource integration, and enhancing team capabilities, the bank aims to upgrade its product offerings and continuously strengthen its core competitiveness.
Moving forward, PSBC will continue to implement the requirements of the M&A loan measures, further optimize business processes, innovate service models, and strengthen risk management. It will increase financial support for mergers, acquisitions, and restructuring in the real economy, with a focus on key areas of industrial upgrading. By precisely aligning with corporate needs and providing higher-quality, more efficient M&A financial services, the bank will help enterprises achieve high-quality development and contribute financial strength to cultivating new quality productive forces and building a modern industrial system.
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