获批！河南农商行，吸收合并82家机构

Core Viewpoint - Henan Rural Commercial Bank has announced the absorption and merger of 82 financial institutions, including rural commercial banks and village banks across nine cities in Henan province, which will now operate as branches of Henan Rural Commercial Bank [1] Group 1: Merger Details - The merger includes 55 rural commercial banks, 4 village banks, and 23 rural credit cooperatives [1] - Customers' existing accounts, cards, contracts, and agreements will remain valid, and services will continue unchanged [1] - The merger is part of a broader reform strategy for small and medium-sized banks in the Henan region [2] Group 2: Background and Previous Plans - The initial reform plan for the rural credit cooperatives in Henan proposed the establishment of "Henan Rural Commercial United Bank," which was approved in 2023 [2] - The new Henan Rural Commercial Bank was officially established on February 26, 2023, following the approval of its establishment by the National Financial Supervision Administration [1][2] - The restructuring of the banking system in Henan has faced changes, indicating a complex landscape for financial reforms in the region [3] Group 3: Challenges and Considerations - The joint bank model has not resolved issues related to the dual legal entity structure, raising questions about governance and operational efficiency [3] - The complexity of merging numerous legal entities in the Henan region contributes to the challenges faced in the reform process [3]