多家银行获批筹建 省联社改革按加速键

Core Points - The recent approval for the establishment of Shanxi Rural Commercial Bank marks a significant advancement in the reform of rural credit cooperatives in China, following similar approvals for banks in Liaoning and Henan [1][2] - The reforms are being implemented under a "one province, one policy" approach, tailored to local conditions, with the aim of enhancing market competitiveness and supporting local economic development [1][4] Group 1: Recent Developments - The establishment of Shanxi Rural Commercial Bank was approved on August 7, following the approval of Liaoning and Henan banks on August 4 [2] - The total assets of the Shanxi rural credit system reached 1.71 trillion yuan, with deposits of 1.28 trillion yuan and loans of 801.16 billion yuan as of March 2023 [2] Group 2: Reform Implementation - The reform of rural credit cooperatives is accelerating, with various provinces adopting different paths, such as the establishment of Hainan Rural Commercial Bank and the initiation of a unified legal entity bank in Xinjiang [3][4] - The regulatory framework emphasizes the need to clarify the roles and responsibilities of provincial credit cooperatives, aiming to resolve issues related to unclear functions and responsibilities [4] Group 3: Reform Models - The current reform models include unified legal provincial rural commercial banks, financial service companies, financial holding companies, and provincial rural commercial banks [4] - The model of transforming provincial credit cooperatives into provincial rural commercial banks is seen as an optimized approach to enhance service capabilities while maintaining dual legal status [4][5] Group 4: Future Directions - Future reforms should focus on improving internal governance mechanisms, establishing new development frameworks, and addressing risk management, including the handling of existing risks and exploring capital replenishment tools [5]