贵州农商联合银行启动组建 省联社改革进入“快车道”

Group 1 - The core point of the news is the significant reform of rural credit cooperatives in Guizhou Province, which involves the cancellation of the provincial rural credit cooperative's legal status and the establishment of Guizhou Rural Commercial Bank [1][3] - The reform aims to streamline the governance structure of the rural credit system, enhance service functions, and effectively prevent and mitigate financial risks, marking a rapid advancement in the rural financial system reform [1][3] - The establishment of Guizhou Rural Commercial Bank will inherit the business, assets, and debts of the former provincial cooperative, pending approval from financial regulatory authorities [1][2] Group 2 - The reform is part of a broader trend across various provinces, with similar transformations occurring in Henan, Jiangsu, Jiangxi, and Inner Mongolia, indicating a nationwide acceleration in the restructuring of rural financial institutions [1][2] - The newly established banks, such as Henan Rural Commercial Bank and Inner Mongolia Rural Commercial Bank, have shown significant growth in asset scale and loan balances, reflecting a positive trend in operational quality and risk management [2][3] - The central government's policy support, including the emphasis on rural financial institutions' roles in supporting agriculture and small enterprises, has been crucial in driving these reforms [3][4] Group 3 - The core significance of the rural credit cooperative reform lies in addressing the challenges of the previous two-tiered legal structure, enhancing capital adequacy, risk resistance, and resource aggregation for better support to the real economy and small enterprises [3][4] - The reform has led to improved efficiency in serving the agricultural sector, with unified management helping to standardize operations and reduce credit and operational risks [3][4] - Two main reform models have emerged: the "unified legal person" model adopted by provinces like Henan and Inner Mongolia, and the "joint bank" model used by Jiangsu and Jiangxi, each with distinct governance structures and management authority [4][5]