目前，全国万亿元资产规模的农商行共五家，分别为重庆农商行、上海农商行、广州农商行、北京农商 行和成都农商行。这五家头部机构在农村金融机构总资产中的占比超过11%，行业集聚效应日益显著。 与此同时，省联社改革进程中也涌现出一批资产规模超5000亿元的省级统一法人农商行，市场预期其未 来有望跻身万亿级金融机构行列。 受访人士指出，农村金融机构集约化解决了机构发展中"体系稳不稳"的问题，在此基础上，还需关注农 村金融机构"能不能走得远"的问题。未来，农村金融机构的核心竞争力不仅在于规模大小，更取决于谁 能在区域内形成可持续、低风险、不可替代的金融服务能力。 应对挑战的必然措施 回溯万亿级农商行的积聚历程。2019年重庆农商行成为首家资产规模过万亿元的农商行。2020年，上海 农商行、广州农商行以及北京农商行相继跨过万亿元门槛。 2026年伊始，成都农商行在其微信公众号上宣告跻身全国第五家万亿级农商行的队列。 中经记者 郭建杭 北京报道 农村金融机构正从过去的"全面开花"走向"头部集中"。 集约化经营如何走得更远？ 农村金融头部聚集效应明显，规模增长使机构具有一定竞争力，但在银行业净息差普遍承压的背景下， 实现高质量 ...

智通财经记者 | 何柳颖 智通财经编辑 | 王姝 近日，成都农商银行官宣资产规模突破万亿。自此，农商行中的万亿玩家扩容至5家，其余四家分别为重庆农商行、上海农商行、广州农商行以及北京农商 行。 截至2025年9月末，5家头部农商行总资产为6.98万亿元。根据国家金融监督管理总局数据，同期农村金融机构（包括农村商业银行、农村合作银行、农村信 用社和新型农村金融机构）的总资产为61.06万亿元，这意味着，5家农商行在农村金融机构中的资产占比达到11.4%。 根据国家金融监督管理总局披露的《银行业金融机构法人名单》，截至2025年6月末，我国农村商业银行数量为1505家，农村合作银行20家，农村信用社401 家，农村资金互助社15家，村镇银行1440家。 可以看出，农商行的头部集聚效应正在突显。与此同时，中小村镇银行的整合也正加速进行，农村金融机构的格局未来将如何发展？ 5家资产破万亿 2020年，北京农商行、广州农商行（01551.HK）、上海农商行（沪农商行，601825.SH）均迈入万亿级资产规模，农商行四强格局自此形成并维持多年。 2026年1月1日，伴随着成都农商行发文"梦想是要有的，万亿实现了呢！"，农 ...

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]

FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年12月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 廣州農村商業銀行股份有限公司 (「本行」) 呈交日期: 2026年1月6日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 01551 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 2,674,925,000 | RMB | | 1 RMB | | 2,674,925,000 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 2,674,925,000 | RMB | | 1 RMB | | 2,674,925,000 | | 2. 股份分 ...

2025年12月31日，成都农村商业银行股份有限公司（以下简称"成都农商银行"）正式对外宣布，其资产规模已突破1万亿元。 至此，包括重庆农商行、北京农商银行、广州农商银行、上海农商银行、成都农商银行在内的五家农商行迈入"万亿元俱乐部"，形成了一个扎根国家中心城 市或超大城市的农商行"第一梯队"。 "这实质上是中国区域经济发展格局在金融领域的投射。"上海金融与发展实验室首席专家、主任曾刚在接受《每日经济新闻》记者（以下简称"每经记者"） 采访时分析指出，区域性银行的规模天花板由当地经济密度决定，万亿元级农商行出现在上述这些城市，反映出金融资源的"极化"趋势，说明资金正加速向 经济活力强、国家战略叠加的区域集中。 曾刚认为，虽然这五家头部农商行的核心竞争力离不开资源禀赋这一"先天优势"，但它们坚守本土下沉服务、重投数字化转型、深度绑定地方经济发展的战 略路径，为地市级农商行提供了可借鉴的范本。 农商行头部阵营迎来新一轮扩容 全国农商行系统的"万亿元时代"，开启于六年前。 2019年6月，重庆农商行资产规模率先突破万亿元，成为全国首家迈入这一量级的农商行。紧接着，北京农商银行、广州农商银行、上海农商银行在2020年 ...

Core Viewpoint - The 2025 ranking of the top 100 rural commercial banks in China highlights the competitive landscape, focusing on various dimensions of performance including comprehensive competitiveness, operational scale, profitability, stability, technological innovation, and brand building [3][4][6]. Comprehensive Competitiveness - The top ten banks in comprehensive competitiveness are: Chongqing Rural Commercial Bank, Shanghai Rural Commercial Bank, Beijing Rural Commercial Bank, Shenzhen Rural Commercial Bank, Chengdu Rural Commercial Bank, Dongguan Rural Commercial Bank, Guangzhou Rural Commercial Bank, Jiangsu Jiangnan Rural Commercial Bank, Tianjin Rural Commercial Bank, and Qingdao Rural Commercial Bank [1][8]. Operational Scale and Capital Strength - The leading banks in operational scale and capital strength are: Shanghai Rural Commercial Bank, Chongqing Rural Commercial Bank, Beijing Rural Commercial Bank, Guangzhou Rural Commercial Bank, Dongguan Rural Commercial Bank, Shenzhen Rural Commercial Bank, Chengdu Rural Commercial Bank, Jiangsu Jiangnan Rural Commercial Bank, Tianjin Rural Commercial Bank, and Guangdong Shunde Rural Commercial Bank [1][13]. Profitability - The top banks in profitability are: Shanghai Rural Commercial Bank, Chongqing Rural Commercial Bank, Chengdu Rural Commercial Bank, Jiangsu Changshu Rural Commercial Bank, Shenzhen Rural Commercial Bank, Hangzhou United Rural Commercial Bank, Beijing Rural Commercial Bank, Jiangsu Jiangnan Rural Commercial Bank, Dongguan Rural Commercial Bank, and Zhejiang Xiaoshan Rural Commercial Bank [1][18]. Stability - The banks excelling in stability are: Shanghai Rural Commercial Bank, Chongqing Rural Commercial Bank, Shenzhen Rural Commercial Bank, Dongguan Rural Commercial Bank, Jiangsu Jiangnan Rural Commercial Bank, Tianjin Rural Commercial Bank, Guangzhou Rural Commercial Bank, Beijing Rural Commercial Bank, Shaanxi Qinong Rural Commercial Bank, and Wuhan Rural Commercial Bank [1][6]. Technological and Service Innovation Capability - The top banks in technological and service innovation capability are: Chongqing Rural Commercial Bank, Shanghai Rural Commercial Bank, Beijing Rural Commercial Bank, Chengdu Rural Commercial Bank, Guangzhou Rural Commercial Bank, Jiangsu Suzhou Rural Commercial Bank, Shenzhen Rural Commercial Bank, Qingdao Rural Commercial Bank, Tianjin Rural Commercial Bank, and Dongguan Rural Commercial Bank [2][6]. Brand Building Capability - The leading banks in brand building capability are: Chongqing Rural Commercial Bank, Shanghai Rural Commercial Bank, Jiangsu Zijin Rural Commercial Bank, Dongguan Rural Commercial Bank, Jiangsu Kunshan Rural Commercial Bank, Shenzhen Rural Commercial Bank, Jiangsu Jiangnan Rural Commercial Bank (tied for seventh), Zhejiang Shaoxing Ruifeng Rural Commercial Bank (tied for seventh), Beijing Rural Commercial Bank, and Chengdu Rural Commercial Bank [2][6].

Core Insights - The "Hundred Counties, Thousand Towns, and Ten Thousand Villages" project has shown initial success in promoting coordinated urban-rural development in Guangdong, with financial institutions actively participating in this initiative [1][2] - Guangzhou Rural Commercial Bank has positioned itself as a key player in this project, exploring new growth opportunities in traditional sectors while ensuring sustainable business practices [1][2] Financial Institutions' Participation - Financial institutions, particularly large banks and local banks, are increasingly competing to engage in the "Hundred Counties, Thousand Towns, and Ten Thousand Villages" project, leveraging their unique advantages [1][2] - The project has transformed the rural market into a new growth curve for financial institutions, driven by emerging agricultural entities and increasing rural income [2][3] Market Dynamics - Guangzhou Rural Commercial Bank has identified a stable customer base in rural areas, characterized by low liquidity and high loyalty, which can lead to long-term business relationships [2][3] - The bank has successfully increased its agricultural customer base by over 3,000 in 2024, with a 26.39% growth in the number of agricultural enterprises [2][3] Asset Growth and Quality - As of now, the agricultural loan balance of Guangzhou Rural Commercial Bank has exceeded 42 billion yuan, reflecting a net increase of over 6 billion yuan in three years, primarily directed towards modern agriculture and rural infrastructure [3] - The bank's consumer loan products for rural households have surpassed 2 billion yuan, with a growth rate exceeding 50%, indicating a shift in financial demand from production to diversified needs [3][5] Innovative Business Models - Financial institutions are focusing on sustainable profit models rather than short-term charity, with Guangzhou Rural Commercial Bank leading in product innovation and differentiated services [4][5] - The bank has introduced unique products tailored to rural needs, such as loans secured by land operating rights and forest compensation rights, which help address local financial challenges [5][6] Diversification of Services - Guangzhou Rural Commercial Bank is expanding into various business areas, including rural payment services and wealth management, to reduce reliance on traditional interest income [6][7] - The bank's innovative "Rong e Rent" platform addresses local housing management needs, enhancing customer engagement and loyalty [6][7] Community Integration - The bank's deep understanding of local markets allows it to create a symbiotic service system that supports rural development and investment [7][8] - By establishing a comprehensive service network, including over 500 branches and 141 rural financial service stations, the bank enhances its customer connection and service delivery [7][8] Conclusion - Guangzhou Rural Commercial Bank's involvement in the "Hundred Counties, Thousand Towns, and Ten Thousand Villages" project exemplifies a pragmatic approach to tapping into rural markets and building long-term competitive advantages [8][9]

21世纪经济报道 记者郭聪聪 张欣 站在2025年末回望，中国中小银行兼并重组浪潮以超预期的力度与速度纵深推进，金融风险防控与行业高质量发展的成为本年度的核心主线。 企业预警通数据显示，截至12月26日，2025年共有394家银行机构获批复通过合并、解散方式退出市场。21世纪经济报道记者进一步梳理发现，纵向对比来 看，这一数量较2024年全年总量实现翻倍。中金报告显示，若将时间线拉长，2024至2025两年间，通过兼并重组等方式减少的银行机构近550家，数量超过 了此前七年的总和。 从横向观察，本次整合涉及全国28个省份，不同区域与机构类型整合路径各有特点。从地域看，内蒙古以整合139家机构居首，山东、河南、四川、湖南等 地紧随其后。从机构类型看，村镇银行（231家）是整合核心主体，农商行（81家）和农村信用社（71家）紧随其后。 值得关注的是，2025年的中小银行整合并非简单的数量收缩，更呈现出两大显著特征：一是国有大行首次入局参与"村改支"，为基层小法人机构转型提供了 新参考。同时，国有大行还首次参与收购了城商行；二是农信系统省级法人改革全面提速，形成联合银行与统一法人农商行两大模式并行的格局。 这不是一 ...

通过低效益资产的"出表减负"，广州农商行短期内收回资金，对资本充足率指标起到了改善，并且一定 程度上短期降低不良率。然而从长期来看，广州农商行的资产质量依然承压，公司的盈利能力有所下 滑，频频大规模出售资产不是长久之计。 在此背景下，广州农商行正试图通过结构调整、村镇银行整合等举措重塑竞争力。低效益资产"出表减 负"+多举措改革能否提升广州农商行的盈利能力？ 百亿资产"出表"，主动加速"减负" 万亿级农商行再一次出售百亿资产引发关注。 近日，广州农商行（01551.HK）公告称，完成了重大出售事项，公司以122.5亿元的代价向广州资产管 理有限公司出售了资产，该笔出售交易于11月29日完成。 根据广州农商行此前发布的公告，这笔出售的资产为低效益资产，这笔低效益资产为该行持有的信贷资 产，资产本金加相关利息以及其他的金额合计为189.28亿元，其中资产本金为149.78亿元。 这是广州农商行近年来第三次出售百亿级资产。2023年至2025年，广州农商行加速低效益资产"出表"， 3年累计出售资产超过480亿元。 炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 来源：尺度商业 文 | 刘振 ...

Group 1 - The "Hundred Counties, Thousand Towns, and Ten Thousand Villages High-Quality Development Project" (referred to as "Hundred Thousand Project") is a core strategy initiated by Guangdong Province in December 2022 to address the imbalance in urban and rural development [2] - The project aims for a phased approach with goals set for one year, three years, five years, and ten years, focusing on achieving significant changes in urban-rural coordination [2] - Financial support is emphasized as crucial for the success of the "Hundred Thousand Project," with policies established to direct financial resources and services towards rural areas [2] Group 2 - Guangzhou Rural Commercial Bank's Chairman, Cai Jian, highlighted the project's effectiveness in promoting urban-rural coordination within the province [3] - The bank's primary responsibility is to support agriculture and small enterprises, maintaining a strong commitment to this development focus [3] - The bank boasts extensive coverage, comprehensive product offerings, and high service efficiency, with a quick decision-making process for small loans, fulfilling financial needs related to the "Hundred Thousand Project" within 7-10 days [3]