121家机构改革一步到位 内蒙古农商银行探索农信改革新路径

Core Viewpoint - The establishment of Inner Mongolia Rural Commercial Bank represents a significant advancement in rural financial reform, showcasing a rapid and efficient integration of multiple financial institutions into a unified entity, which may serve as a model for other provinces [2][3]. Group 1: Establishment and Structure - Inner Mongolia Rural Commercial Bank was formed by integrating 121 rural financial institutions into a single legal entity, achieving the fastest reform timeline in the country [2][3]. - The bank aims to support local economic development and rural revitalization, with a focus on modernizing its financial services and management practices [2][3]. - The bank's registered capital is 58.017 billion yuan, with a diverse shareholder structure including government, state-owned enterprises, private companies, and individual investors [4][5]. Group 2: Advantages of the Integration Model - The "one-step" integration model allows for optimized resource allocation, enhancing the bank's competitiveness and ability to support local economic needs [3][4]. - This model improves reform efficiency, consolidates resources from numerous small institutions, and enhances overall management and risk resilience [3][5]. - The unified structure facilitates better capital and resource management, enabling the bank to meet diverse financial demands and support agricultural and small business financing [3][5]. Group 3: Focus on Non-Performing Loans - The bank prioritizes the recovery of non-performing loans, holding multiple meetings to strategize on this critical issue before its official opening [6][7]. - Effective management of non-performing loans is seen as essential for improving asset quality, enhancing risk management capabilities, and boosting profitability [6][7]. - The bank's proactive approach in addressing non-performing loans is intended to build market confidence and improve its credit rating and funding costs [7].