聚焦3家改制后农商联合银行一季度经营情况：支农支小提质效 降本增效谱新篇

Core Viewpoint - The three rural commercial banks in Guangxi, Jiangxi, and Shanxi have completed their restructuring and are focusing on enhancing their core responsibilities in supporting agriculture and small enterprises, while also promoting cost reduction and efficiency improvement in their operations [1][2][4]. Group 1: Financial Performance and Strategy - Guangxi Rural Commercial Bank achieved a historic milestone with a loan balance of 801.2 billion yuan by the end of Q1, an increase of 18.7 billion yuan from the beginning of the year, completing 117% of its incremental task [2]. - The agricultural loan balance in Guangxi reached 494.5 billion yuan, with an increase of 11.58 billion yuan compared to the beginning of the year, reflecting a year-on-year increase of 0.81 billion yuan [2]. - Jiangxi Rural Commercial Bank aims to combine its market positioning with the implementation of inclusive finance initiatives, focusing on credit allocation to innovation, agricultural supply chains, and consumption [2][3]. Group 2: Operational Focus and Management - The banks are emphasizing cost reduction and efficiency as key strategies to enhance their core competitiveness, focusing on structural adjustments, management optimization, and technological empowerment [4][6]. - Shanxi Rural Commercial Bank plans to deepen credit transformation and optimize credit operation mechanisms through the establishment of intelligent risk control platforms [3][4]. - The banks are committed to localized, professional, differentiated, and specialized operations to support high-quality development and serve the real economy and rural revitalization [5][6]. Group 3: Future Directions and Goals - The leadership of Jiangxi Rural Commercial Bank has set a goal to achieve high-quality development by focusing on key areas, addressing weaknesses, and enhancing strengths [3]. - The banks are determined to continue their grassroots service approach, aiming to become the main financial institutions for rural revitalization and small enterprises [6]. - The ongoing reforms are expected to yield significant benefits, enhancing governance structures and service capabilities to drive regional economic development [6].