河南农商银行再吸收合并82家机构，成立半年多累计整合已破百家

Core Viewpoint - The Henan Rural Commercial Bank is advancing its reform by officially absorbing and merging 82 institutions, including rural commercial banks and village banks from nine cities, following a previous merger of 25 institutions earlier this year [2][4]. Group 1: Merger Details - The recent merger includes 78 rural commercial banks and 4 village banks, with the original institutions becoming branches of the Henan Rural Commercial Bank [4]. - After the completion of this merger, there will still be 34 rural commercial banks awaiting reform within the system [4]. - The bank's structure will consist of one provincial-level rural commercial bank and 112 city and county rural commercial banks by March 2025 [3][4]. Group 2: Reform Strategy - The reform strategy involves a phased and incremental approach to merging institutions, which is not unique to Henan, as similar strategies are being adopted in other provinces like Jilin [4][5]. - This approach allows for the gradual absorption of high-risk institutions, helping to prevent issues from spreading throughout the financial system [5]. Group 3: Asset Management Companies (AMCs) Involvement - Prior to the merger, local AMCs have been actively involved in the disposal of non-performing assets, with significant purchases made from various rural commercial banks [6][7]. - The total investment by local AMCs in acquiring non-performing assets amounts to 50.69 billion yuan [6]. - The involvement of AMCs is seen as beneficial for the merged institutions, allowing them to shed historical burdens and facilitating a smoother integration into the new banking structure [7][8].