13.08%的反对票比例，近日在苏州农商行2026年第一次临时股东会上，吸收合并张家港渝农商村镇银 行的议案最终获得通过，但这一投票结果却引发市场关注。 值得注意的是，这并非个案。此前，贵阳银行和广州农商行在类似的村镇银行并购议案表决中，也分别 出现了19.07%的高反对票和83.33%的赞成票。这些数据共同指向一个值得关注的趋势：在防范化解金 融风险、推进村镇银行改革的大背景下，并购过程中的市场化博弈机制正在发挥作用，这既是对银行公 司治理水平的检验，也是资本市场逐步成熟的体现。 股东异议频现：村镇银行整合遭遇治理挑战 村镇银行改革持续推进，但股东投票环节的分歧正成为并购路上的新变量。苏州农商行此次吸收合并的 标的——张家港渝农商村镇银行，从财务数据看颇具吸引力。截至2024年末，该行总资产5.37亿元，年 度净利润2033万元，不良贷款率控制在0.73%的低水平，拨备覆盖率高达930.51%。 按照并购方案，苏州农商行将收购该村镇银行全部股权，吸收合并后改设为分支机构。张家港渝农商村 镇银行解散并注销法人资格，其全部业务、财产、债权债务以及其他各项权利义务均由苏州农商行依法 承继。 "通过本次吸收合并，能 ...

（来源：财闻） 调查主要聚焦两个问题：一是"借款"资金需求的真实性，二是"放贷"与"用权"的关联性。 1月19日，人民日报发布《1800多万元利息暗藏多少猫腻》文章，广州农商银行原行长易雪飞隐性腐败 问题曝光。 自2006年起，易雪飞先后担任广州农商银行（原广州市农村信用合作社联合社）副行长、行长等职务。 一些企业客户想方设法与他结识，请他在审批项目时"行个方便"。 易雪飞自1993年起便在银行工作，深知自己出面拿钱办事，痕迹明显，容易被查。于是，他决定采用放 贷收息的方式，假借民事化、市场化形式，为其收受钱财披上一层"合法外衣"。 易雪飞利用妻兄刘晓峰（化名）代替自己出面，进行投资、代持股权及资金转账等行为；又找到打交道 多年的信贷客户张海波（化名），让他以登记在刘晓峰名下的股权作为质押，向广州农商银行申请贷 款。在易雪飞的一手操控下，2017年起，张海波向广州农商银行先后申请了共计2400万元企业经营贷 款。经易雪飞协调审批放款后，张海波将贷款资金转手了四五道，最终全部转进易雪飞妻子银行账户 中。 这笔通过贷款套取的2400万元，成为易雪飞后续从事违规违法活动的"备用金"。只要有企业找上门来， 易雪飞便一 ...

新年伊始，广州农商银行总行营业部大厅迎来业务高峰，广东省广州市某碳纤维技术企业负责人乔文 （化名）一大早便来到大厅，办理一笔为"专精特新"企业量身打造的流动资金贷款。从最初对接到审批 通过，不到10天时间，乔文说："如今到这里办贷款，流程规范、透明、高效，对企业支持力度很大。" 为何会有这样的变化？这得从一起腐败案件的查处说起。 放贷的本钱从哪里来？精通借贷业务的他，决定"空手套白狼"。 易雪飞利用妻兄刘晓峰（化名）代替自己出面，进行投资、代持股权及资金转账等行为；又找到打交道 多年的信贷客户张海波（化名），让他以登记在刘晓峰名下的股权作为质押，向广州农商银行申请贷 款。在易雪飞的一手操控下，2017年起，张海波向广州农商银行先后申请了共计2400万元企业经营贷 款。经易雪飞协调审批放款后，张海波将贷款资金转手了四五道，最终全部转进易雪飞妻子银行账户 中。 这笔通过贷款套取的2400万元，成为易雪飞后续从事违规违法活动的"备用金"。只要有企业找上门来， 易雪飞便一口应下，并暗示对方通过放贷收息的方式对其表达感谢。 比如，2017年上半年，某企业实控人代彬（化名）找到易雪飞，希望增加公司的贷款授信额度、加快放 ...

为何会有这样的变化？这得从一起腐败案件的查处说起。 2023年初，广州市纪委监委信访室接到一封匿名举报信，反映广州农商银行原行长易雪飞"与多名信贷 客户企业交往过密，存在可疑经济往来"，引起核查人员的警觉。"此前也收到关于易雪飞的类似信访举 报，我们在查办其他案件过程中，牵出和易雪飞相关的重要问题线索。"办案人员介绍。对此，广州市 纪委监委决定对易雪飞违纪违法问题线索进行全面起底。 新年伊始，广州农商银行总行营业部大厅迎来业务高峰，广东省广州市某碳纤维技术企业负责人乔文 （化名）一大早便来到大厅，办理一笔为"专精特新"企业量身打造的流动资金贷款。从最初对接到审批 通过，不到10天时间，乔文说："如今到这里办贷款，流程规范、透明、高效，对企业支持力度很大。" 揭开层层表象，办案人员发现了一条隐蔽性极强的腐败犯罪链条。 2017年到2019年，代彬向易雪飞提供的银行账户中累计"归还利息"达480万元。直到2019年，易雪飞因 担心被查，才不得不"忍痛割爱"，让代彬归还了1200万元本金。 自2006年起，易雪飞先后担任广州农商银行（原广州市农村信用合作社联合社）副行长、行长等职务。 一些企业客户想方设法与他结识， ...

来源：人民日报 原标题：广东省广州市纪委监委揭开层层表象，深挖广州农商银行原行长隐性腐败问题 1800 多万元利息暗藏多少猫腻（不断提高反腐败穿透力） 新年伊始，广州农商银行总行营业部大厅迎来业务高峰，广东省广州市某碳纤维技术企业负责人乔文 （化名）一大早便来到大厅，办理一笔为"专精特新"企业量身打造的流动资金贷款。从最初对接到审批 通过，不到10天时间，乔文说："如今到这里办贷款，流程规范、透明、高效，对企业支持力度很大。" 放贷的本钱从哪里来？精通借贷业务的他，决定"空手套白狼"。 易雪飞利用妻兄刘晓峰（化名）代替自己出面，进行投资、代持股权及资金转账等行为；又找到打交道 多年的信贷客户张海波（化名），让他以登记在刘晓峰名下的股权作为质押，向广州农商银行申请贷 款。在易雪飞的一手操控下，2017年起，张海波向广州农商银行先后申请了共计2400万元企业经营贷 款。经易雪飞协调审批放款后，张海波将贷款资金转手了四五道，最终全部转进易雪飞妻子银行账户 中。 这笔通过贷款套取的2400万元，成为易雪飞后续从事违规违法活动的"备用金"。只要有企业找上门来， 易雪飞便一口应下，并暗示对方通过放贷收息的方式对其表达感谢 ...

Core Viewpoint - The investigation into former Guangzhou Rural Commercial Bank president Yi Xuefei reveals a sophisticated corruption scheme involving loan approvals and interest collection, leading to over 18 million yuan in illicit gains [5][12][13]. Group 1: Corruption Scheme - Yi Xuefei, who held various positions at Guangzhou Rural Commercial Bank since 2006, engaged in corrupt practices by facilitating loans for businesses in exchange for personal financial benefits [2][8]. - The scheme involved using intermediaries to obscure the flow of funds, with Yi leveraging his connections to approve loans while disguising his actions as legitimate business transactions [3][9]. Group 2: Loan Approval Process - From 2017, Yi facilitated loans totaling 24 million yuan for a client, Zhang Haibo, which were ultimately funneled into Yi's wife's bank account [10][11]. - Yi's manipulation of the loan approval process included pressuring bank staff to expedite approvals under the guise of supporting businesses, while simultaneously soliciting high-interest loans from those same businesses [4][10]. Group 3: Financial Analysis and Findings - Investigators identified three anomalies in the borrowing patterns: businesses opting for high-interest loans despite having access to lower rates, borrowers failing to repay principal amounts while paying excessive interest, and borrowers voluntarily increasing interest rates [12]. - The investigation revealed that Yi collected over 18 million yuan in interest from 2005 onwards, with evidence linking loan approvals to his personal financial dealings [5][12]. Group 4: Regulatory Response - Following the investigation, the Guangzhou Municipal Commission for Discipline Inspection initiated measures to enhance oversight and prevent similar corruption, including the establishment of a monitoring mechanism for unusual financial transactions involving public officials [13][14]. - The case underscores the need for innovative supervisory methods to combat new forms of corruption while reinforcing existing regulatory frameworks [13].

新年伊始，广州农商银行总行营业部大厅迎来业务高峰，广东省广州市某碳纤维技术企业负责人乔文 （化名）一大早便来到大厅，办理一笔为"专精特新"企业量身打造的流动资金贷款。从最初对接到审批 通过，不到10天时间，乔文说："如今到这里办贷款，流程规范、透明、高效，对企业支持力度很大。" 为何会有这样的变化？这得从一起腐败案件的查处说起。 2023年初，广州市纪委监委信访室接到一封匿名举报信，反映广州农商银行原行长易雪飞"与多名信贷 客户企业交往过密，存在可疑经济往来"，引起核查人员的警觉。"此前也收到关于易雪飞的类似信访举 报，我们在查办其他案件过程中，牵出和易雪飞相关的重要问题线索。"办案人员介绍。对此，广州市 纪委监委决定对易雪飞违纪违法问题线索进行全面起底。 揭开层层表象，办案人员发现了一条隐蔽性极强的腐败犯罪链条。 自2006年起，易雪飞先后担任广州农商银行（原广州市农村信用合作社联合社）副行长、行长等职务。 一些企业客户想方设法与他结识，请他在审批项目时"行个方便"。 "我们启动'主办+专班'机制，抽调国企专业财会人员成立资产分析专班，对易雪飞及其家属名下的200 余个账户、160多万条进出资金流水进行大数 ...

Core Insights - Rural financial institutions are transitioning from a "blooming" phase to a "concentration of leading players" phase, with five rural commercial banks exceeding one trillion yuan in assets, accounting for over 11% of total assets in the sector [1][3] - The emergence of provincial-level unified legal person rural commercial banks with assets over 500 billion yuan indicates a trend towards further concentration in the rural financial sector [1][3] - The competitive landscape is shifting from individual institutions to a focus on systemic capabilities, with an emphasis on sustainable, low-risk financial services [1][4] Group 1: Development of Leading Rural Commercial Banks - Chongqing Rural Commercial Bank was the first to exceed one trillion yuan in assets in 2019, followed by Shanghai, Guangzhou, and Beijing Rural Commercial Banks in 2020 [2] - Chengdu Rural Commercial Bank joined the ranks of trillion-yuan banks in early 2026, benefiting from the national strategy of the Chengdu-Chongqing economic circle [3] Group 2: Competitive Landscape Changes - The shift to concentrated operations in rural finance is a necessary response to challenges such as declining efficiency and negative growth in loans and deposits [4] - The competitive focus is moving from scale expansion to efficiency and value, with a layered industry structure emerging that emphasizes targeted resource allocation [4] Group 3: Challenges and Strategies for High-Quality Development - Achieving high-quality development requires a shift from a focus on scale to optimizing structure, especially in a context of narrowing net interest margins [5][6] - Rural commercial banks need to enhance their profitability by optimizing their liability structure and deepening their understanding of local industries and risks [6] Group 4: Risks and Governance Issues - As rural commercial banks grow, they face new challenges related to risk management, capital constraints, and governance complexities [7] - The transition from individual loan risks to structural risks necessitates a more proactive and comprehensive approach to risk management [7]

Core Viewpoint - Chengdu Rural Commercial Bank has announced that its asset scale has surpassed 1 trillion yuan, making it the fifth rural commercial bank to achieve this milestone, joining Chongqing, Shanghai, Guangzhou, and Beijing Rural Commercial Banks [1][3]. Group 1: Asset Scale and Market Position - As of September 2025, the total assets of the five leading rural commercial banks reached 6.98 trillion yuan, accounting for 11.4% of the total assets of rural financial institutions, which stood at 61.06 trillion yuan [1][3]. - The number of rural commercial banks in China is 1,505, with additional institutions such as rural cooperative banks and rural credit cooperatives contributing to the overall landscape [1]. Group 2: Financial Performance - In the first three quarters of the previous year, all five banks reported revenue exceeding 10 billion yuan, with only Chongqing and Shanghai Rural Commercial Banks achieving net profits over 10 billion yuan [4]. - Chengdu Rural Commercial Bank reported a year-on-year revenue and net profit growth of approximately 7%, while Guangzhou Rural Commercial Bank experienced declines in both metrics [4]. Group 3: Loan and Asset Structure - The loan assets of the five banks account for about half of their total assets, with financial investments generally exceeding 30% [4]. - As of the end of 2024, the loan structure shows that Beijing and Chengdu Rural Commercial Banks have a high proportion of corporate loans, exceeding 70%, while Chongqing Rural Commercial Bank has 40% in personal loans [6][7]. Group 4: Asset Quality and Risk - The non-performing loan (NPL) ratios for Shanghai, Chongqing, and Beijing Rural Commercial Banks were 0.97%, 1.12%, and 1.19% respectively, which are better than the overall levels of large commercial banks [8]. - The overall NPL ratio for rural commercial banks was 2.82%, significantly higher than that of large commercial banks [8]. Group 5: Market Dynamics and Competitive Position - The five leading rural commercial banks have established a strong market presence, with some outperforming local city commercial banks in terms of asset scale, revenue, and net profit [11][12]. - The integration of smaller rural banks is accelerating, indicating a trend towards consolidation within the rural financial sector [15][16]. Group 6: Development Advantages and Challenges - Rural commercial banks benefit from extensive physical networks in rural areas, providing essential financial services to local communities, which enhances customer loyalty [18]. - However, they face challenges such as high industry concentration and limited risk management capabilities, which can hinder their ability to diversify risks [19].

Core Insights - The digital transformation is crucial for the banking industry, with a significant focus on the restructuring of digital talent, particularly the Chief Information Officers (CIOs) [1][2] Group 1: Changes in CIO Positions - In 2025, several major banks experienced changes in their technology leadership, with the CIOs of China Construction Bank (CCB) and Bank of China (BOC) resigning [2][4] - CCB's former CIO, Jin Panshi, resigned due to age reasons after serving for four years [2][3] - BOC's former CIO, Meng Qian, also resigned for age reasons after a 38-year tenure, during which she held multiple senior positions [4][6] - The Industrial and Commercial Bank of China (ICBC) also saw its technology leader, CTO Lv Zhongtao, leave at the end of 2025 [7][8] Group 2: New Appointments and Trends - In 2025, 21 new CIOs were appointed, primarily in small and medium-sized banks, with many being external hires [10][11] - Notable new CIOs include Gong Weihua at Huaxia Bank and Wang Fenghui at Xiamen International Bank, both of whom were brought in from outside the banking sector [11][12] - The trend indicates a shift towards external recruitment for CIO positions, with 48% of the new appointments being external hires [16] Group 3: Recruitment Trends in Smaller Banks - Many small and medium-sized banks have publicly announced CIO recruitment in 2025, including Xiamen International Bank and Zhengzhou Bank [18][19] - Recruitment criteria often include age limits and specific experience requirements, such as a minimum of six years in information technology and four years in senior management roles [18][20] - The trend reflects a growing emphasis on digital leadership within smaller banks, as they seek to enhance their technological capabilities [18][19]