Answer: The reasons for the closure of Henan Jiyuan Commercial Bank may be related to poor operation, management problems, insufficient capital, etc. Please note, however, that we can only provide possible reasons, and the circumstances may vary depending on the specific context.

Analysis:

Poor management: Banking business volume is declining year by year, which may lead to a reduction in revenue, thereby affecting profits and profitability.

Management issues: Banks may face various losses or fines due to management errors in decision-making and improper risk control.

Insufficient capital: Insufficient capital of a bank may result in the inability to meet the requirements of relevant regulatory authorities, resulting in closure.

Changes in regulatory policies: There may be changes in regulatory policies for banking companies, which may result in the closure of some institutions that do not comply with regulations.

Extended content:

For grassroots or large non-state-owned banks, problems such as insufficient capital and poor risk control may be more prominent.

It has become a trend for the government to strengthen supervision in the financial field, and ensuring financial security is an important task.

For consumers, correctly identifying the strength of a bank is key. Risky banks may impact deposit security, lending and other financial services.

Banks should pay more attention to risk management, innovation, compliance and other aspects in future development to enhance competitiveness and resist risks.

Based on the above analysis, there are various reasons for bank closure, and different banks may face different challenges and problems.