广东农信系统改革关键年，“75后”刘鹏任广东省联社主任！已有十地农信社改革落地

Core Viewpoint - The Guangdong Rural Credit Cooperative Union (Guangdong Union) is undergoing significant personnel changes and accelerating reforms, including the establishment of rural commercial banks, as part of a broader initiative to enhance the financial system in the province [1][7]. Personnel Changes - Liu Peng has been approved to serve as the director of Guangdong Union, previously holding the position of deputy mayor in Jieyang City [1][3]. - The former director, Mai Yanthou, was promoted to chairman in October 2022, and the director position has remained vacant since then [6]. Reform Initiatives - The Guangdong Union's 2024 report emphasizes the need for management system reforms and the establishment of rural commercial banks, marking the first official announcement of this initiative since the start of the new round of rural credit system reforms [7]. - The Guangdong government has been actively promoting the reform of rural credit cooperatives, with a focus on enhancing financial service capabilities in economically weaker regions [8]. Financial Performance - As of the last report, the total assets of 81 rural commercial banks in Guangdong reached 4.8 trillion yuan, reflecting a year-on-year growth of 3.79%. However, financial income and profits have seen declines of 3.6% and 14.7%, respectively, marking two consecutive years of downturns [9]. Broader Context of Reform - The reform of rural credit cooperatives is being implemented across multiple provinces, with ten provinces having already made progress. These include Zhejiang, Liaoning, Shanxi, Sichuan, Guangxi, Hainan, Henan, Jiangsu, Jiangxi, and Inner Mongolia [10]. - Various provinces are adopting different models for reform, with many opting for the "joint bank" model, which is seen as cost-effective and preserves multi-level governance structures [11][12].