四川农信改革进入深水区！13家县级农商行解散

Core Viewpoint - The Sichuan Financial Regulatory Bureau has approved the dissolution of 13 county-level rural commercial banks, with four city-level banks inheriting all their business, assets, debts, and rights. This reform aims to enhance the control and risk management of the rural financial system in Sichuan [1][2][3]. Group 1: Dissolution and Inheritance - Thirteen county-level rural commercial banks, including Wusheng, Rongxian, and Jiange, have been approved for dissolution due to absorption and merger, with their operations being taken over by four city-level banks [3][7]. - The city-level banks involved are: - Zigong Rural Commercial Bank, which will absorb Rongxian and Fushun banks - Ziyang Rural Commercial Bank, which will absorb Lezhi and Anyue banks - Guangyuan Rural Commercial Bank, which will absorb Jian'ge, Wangcang, Cangxi, and Qingchuan banks - Guang'an Rural Commercial Bank, which will absorb Guang'an Siyuan, Linshui, Yuechi, Huaying, and Wusheng banks [7][8]. Group 2: Governance and Management Changes - The Sichuan Financial Regulatory Bureau has approved the qualifications of the chairpersons and presidents for the newly formed banks, ensuring a swift establishment of new governance structures [8][10]. - Specific appointments include: - He Gang and Su Jianqiang as chairman and president of Ziyang Rural Commercial Bank - Wu Jun and Zeng Tianfu as chairman and president of Zigong Rural Commercial Bank - Xie Hong and Liu Hui as chairman and president of Guangyuan Rural Commercial Bank - Hou Xiangtian as president of Guang'an Rural Commercial Bank [8][10]. Group 3: Involvement of Sichuan Rural Commercial Union Bank - Sichuan Rural Commercial Union Bank has played a significant role in the reform by optimizing the shareholding structure of Zigong, Guangyuan, and Guang'an banks through share transfers and new subscriptions [10][11]. - After the mergers, Sichuan Rural Commercial Union Bank will hold 22.76% of Zigong Rural Commercial Bank, 14.61% of Guangyuan Rural Commercial Bank, and 16.02% of Guang'an Rural Commercial Bank, enhancing its control over these institutions [10][11][13]. Group 4: Reform Pathway and Implications - The reform follows an "upward participation and downward integration" model, where the provincial bank leads the integration of county resources, reducing management layers and improving fund allocation efficiency [1][18]. - This model is seen as a low-risk and manageable approach, with similar implementations in other provinces like Shanxi and Guangxi [18][19].