全国第五家统一法人的省级农商银行即将在吉林诞生

Core Viewpoint - The establishment of Jilin Rural Commercial Bank marks a significant step in the reform of rural financial institutions in China, representing the fifth provincial-level rural commercial bank with a unified legal entity in the country [1][2]. Group 1: Reform and Structure - The reform of the Jilin rural credit system and the establishment of the provincial-level rural commercial bank aim to address governance and operational issues associated with the two-tier system of rural credit cooperatives, enhancing risk management and operational efficiency [2]. - The unified legal entity model of Jilin Rural Commercial Bank is expected to concentrate resources, improve capital strength, and enhance brand image, making it a stronger local financial institution in Jilin province [1][2]. Group 2: Advantages and Strategic Focus - The new bank will have advantages in various aspects such as governance, capital strength, risk prevention, and technological advancement compared to previous structures, positioning it as the most powerful local financial institution in Jilin [2]. - The reform is seen as a combination of "subtraction + reconstruction," focusing on differentiated strategic positioning, risk management, talent development, and digital transformation to enhance internal capabilities for development and risk control [2].