广东首度“官宣”省联社改革方向 将积极推动改制组建农商联合银行

Core Viewpoint - The Guangdong Provincial Association of Rural Credit Cooperatives has outlined its reform direction, emphasizing the establishment of rural commercial banks and the promotion of a joint banking model as part of the ongoing rural financial system reform [1][3]. Group 1: Reform Overview - The Guangdong Provincial Association has been pivotal in the reform of the rural credit system, focusing on financial supply-side structural reforms and the establishment of rural commercial banks [1][2]. - The reform aims to enhance the management autonomy of well-performing rural commercial banks while maintaining a competitive market structure [1][2]. - The joint banking model is identified as a mainstream reform approach, aligning with the existing development framework of Guangdong's rural credit system [1][6]. Group 2: Historical Context - The reform initiative began in 2017, with the goal of transforming all rural credit cooperatives into rural commercial banks by 2020, which was successfully achieved [2]. - By 2020, 64 rural credit cooperatives had been restructured, and several rural commercial banks have since been managed directly by local governments [2][4]. - The current competitive landscape features a mix of banks managed by the provincial association and those under local government control, creating a diverse banking ecosystem [2][3]. Group 3: Financial Performance - As of the end of 2024, the total assets of the 81 rural commercial banks in Guangdong reached 4.80 trillion yuan, reflecting a year-on-year growth of 3.79% [4]. - The banks collectively reported a financial income of 160.56 billion yuan, with a pre-provision profit of 46.30 billion yuan and a net profit of 24.29 billion yuan [4]. Group 4: Leadership Changes - In October 2024, Mai Yanthou was appointed as the chairman of the Guangdong Provincial Association, having previously held various positions in the financial sector [5]. - Liu Peng was also appointed as the deputy secretary of the association, bringing experience from regulatory roles in the banking sector [5]. Group 5: Joint Banking Model - The joint banking model allows for the preservation of the independent legal status of rural financial institutions while facilitating resource integration and business collaboration [6][8]. - This model is seen as cost-effective and less disruptive, minimizing potential conflicts during the reform process [7][8]. - The approach can be implemented through either a top-down or bottom-up method, with various provinces adopting different strategies for their reforms [7][8].