组建工作正式启动，贵州农信改革迎来实质性进展

Core Viewpoint - The establishment of Guizhou Rural Commercial Union Bank marks a significant advancement in the reform of Guizhou's rural credit system, with the original assets and liabilities of the Guizhou Provincial Association being transferred to the new bank [1][2][3]. Group 1: Reform Progress - Guizhou Rural Commercial Union Bank's formation was approved during a member meeting on July 28, with a working group authorized to oversee the establishment [2]. - The Guizhou Provincial Association has been actively engaging with local governments to facilitate the reform process, with multiple meetings held in various cities [3]. - The reform of Guizhou's rural credit system has been a focal point in government work reports for three consecutive years, emphasizing its importance in the province's financial reform agenda [4][5]. Group 2: Financial Structure and Operations - Guizhou Rural Credit consists of the provincial association and 84 rural commercial banks, with a total of 2,293 branches and approximately 28,000 employees, holding deposits exceeding 922.9 billion and loans surpassing 709.5 billion [6][8]. - The new bank aims to enhance financial service quality and efficiency, addressing the limitations of the previous provincial association model in supporting local economic development [8]. Group 3: Regulatory and Market Context - The establishment of Guizhou Rural Commercial Union Bank is subject to approval from financial regulatory authorities, indicating a structured approach to the reform [3]. - Similar reforms have been observed in other provinces, with several establishing provincial-level rural commercial banks, suggesting a trend towards this model across the country [6][7].