宁夏黄河农商行原董事长张志旗退休三年被查，金融反腐穿透“退休安全期”

Core Viewpoint - The investigation into Zhang Zhiqi, former chairman of Ningxia Yellow River Rural Commercial Bank, highlights the ongoing issue of corruption within China's financial sector, particularly among retired executives, and reflects the deepening mechanisms of accountability and anti-corruption efforts in the industry [3][7][8]. Group 1: Corruption Cases and Trends - Zhang Zhiqi, aged 63, is under investigation for serious violations after retiring nearly three years ago, challenging the notion that retirement guarantees safety from scrutiny [1][3]. - The Yellow River Rural Commercial Bank has a history of corruption, with previous leaders, including Zhang Zhiqi's predecessors, facing legal consequences for bribery and misconduct [3][6]. - The case of Zhang Zhiqi is part of a broader trend where retired banking executives are increasingly being investigated, indicating a shift in anti-corruption strategies within the financial system [7][8]. Group 2: Financial Performance and Risks - Under Zhang Zhiqi's leadership, the bank experienced significant growth, with total assets increasing from 100 billion yuan in 2015 to 234.7 billion yuan by the end of 2024, and deposits reaching 174.8 billion yuan [5]. - Despite the growth, the bank faced operational challenges, including a decline in revenue exceeding 20% for two consecutive years (2021-2022) and a rise in non-performing loan ratios from 1.14% in 2020 to 1.70% in 2022 [5]. - The bank's agricultural loans exceeded 80 billion yuan, covering 53% of local farmers, showcasing its commitment to rural finance, yet underlying risks persisted [5]. Group 3: Regulatory Responses and Future Implications - The central regulatory bodies are intensifying oversight in areas with concentrated power, such as credit approval and procurement, to combat corruption and mitigate financial risks [3][7]. - The anti-corruption efforts are evolving from targeting individual cases to a more systemic approach aimed at purifying the financial ecosystem [7][8]. - The ongoing reforms in provincial rural credit systems are critical for addressing the intertwined issues of corruption and financial risk, with a focus on establishing clear boundaries between management and oversight [8].