陕西省联社多位高管任职资格获批

Core Insights - Recent personnel adjustments at Shaanxi Rural Credit Cooperative Union (Shaanxi Union) have been approved, with multiple senior executives receiving their qualifications since July 2023 [1][2] - The reform plan for Shaanxi Union has been submitted, marking a critical phase in the reform process, with the new leadership expected to drive significant changes across the 92 institutions in the rural credit system [3][4] Executive Appointments - Zhang Hao has been approved as the Deputy Director of Shaanxi Union, having previously held various positions including Deputy General Manager of Risk Management [2] - Ma Honggang has been approved as the Chief Information Officer of Shaanxi Union, previously serving as Deputy Director [2] - Yang Bo and Wang Mingshun have also received approval for their respective roles within the organization [1][3] Reform and Governance - The reform plan aims to optimize the governance structure, focusing on service, technology, and risk control, while reducing direct control over specific business operations [3] - The governance framework will include a professional governance system and a layered supervision system to mitigate risks associated with centralized power [3][4] Financial Performance and Risk Management - Shaanxi Union has been actively addressing non-performing assets since 2022, with measures implemented to reduce the ratio of non-performing loans [4] - By the end of 2024, the cost-to-income ratio for rural cooperative institutions in Shaanxi is expected to decrease by 1.42 percentage points, indicating improved efficiency [5] - The capital adequacy ratio has increased by 0.45 percentage points, with all 92 institutions meeting regulatory requirements [5] Support for Agriculture and Small Enterprises - By the end of 2024, loans to agricultural and small enterprises are projected to account for 92.3% of the total loan portfolio, with significant growth in these sectors [6] - The average interest rate for new loans has decreased by 0.6 percentage points year-on-year, supporting the financial needs of private enterprises [6]