Core Viewpoint - The article highlights the ongoing efforts of various rural credit systems in China, particularly in Inner Mongolia, to address non-performing loans (NPLs) and improve financial stability as part of broader banking reforms [2][5][7]. Group 1: Non-Performing Loan Management - Liu Feng, the chairman of the Inner Mongolia Rural Commercial Bank (under preparation), emphasized the importance of addressing NPLs in key regions like Ordos, stating that these institutions should set an example in recovering bad debts [2][3]. - The Inner Mongolia Rural Credit Union and the preparatory team for the Inner Mongolia Rural Commercial Bank have repeatedly prioritized NPL recovery as a core task during the bank's establishment phase [3][6]. - As of the end of 2023, the NPL rate in the Inner Mongolia rural credit system was reported at 3.15%, significantly higher than the industry average, indicating a pressing need for effective asset management [6]. Group 2: Financial Reform and Integration - The establishment of the Inner Mongolia Rural Commercial Bank is a significant step in consolidating 120 rural financial institutions into a single entity, aimed at enhancing operational efficiency and risk management [5][6]. - The reform is seen as a critical measure to address the fragmented nature of the rural credit system in Inner Mongolia, which has historically led to accumulated risks [6][7]. - The bank's formation is aligned with national policies to streamline rural financial services and improve the overall quality of assets within the sector [5][7]. Group 3: Broader Industry Trends - Other provinces, including Hunan, Gansu, Shanxi, and Hubei, are also accelerating efforts to clear historical bad debts, reflecting a nationwide trend in rural financial systems [2][7]. - The article notes that various rural banks are utilizing innovative methods, such as online announcements and physical advertisements, to promote the sale of non-performing assets [10]. - Data from the National Financial Regulatory Administration indicates that the overall NPL balance in rural commercial banks has decreased, showcasing progress in managing bad debts across the sector [10].
加快扫除“陈年旧账”,内蒙古农商行筹建提速
Hua Xia Shi Bao·2025-04-28 07:21