改制不改向，内蒙古农商银行“涅槃记”

Core Viewpoint - The transformation of Inner Mongolia Rural Commercial Bank represents a significant milestone in the reform of rural credit cooperatives in China, showcasing a successful model of resource integration and risk mitigation through the "unified legal person model" [4][5][12]. Group 1: Historical Context and Transformation - Inner Mongolia Rural Commercial Bank was established through the merger of 121 rural cooperative institutions and local village banks, marking a shift from a fragmented structure to a unified legal entity [5][6]. - The bank's history dates back to 1954, evolving from a "backpack bank" model to a modern financial institution that serves over 500,000 residents in the Yuyuan District of Hohhot [2][3]. Group 2: Reform Characteristics - The reform is characterized by the "Five Ones": a top-level design that was completed in one go, all participants involved, risk mitigation resources in place, central-local collaboration, and consistent regulatory guidance [5][6]. - The bank's total assets reached 849.86 billion yuan, with total liabilities of 791.94 billion yuan and total equity of 57.91 billion yuan as of August [7]. Group 3: Organizational Structure and Management - The bank has adopted a three-tiered organizational structure consisting of a central bank, regional audit centers, and numerous local branches, enhancing operational efficiency and risk management [8][9]. - A comprehensive risk management system has been established, addressing past weaknesses and ensuring better control over credit risks [9][10]. Group 4: Focus on Agricultural and Small Business Financing - The bank prioritizes agricultural financing, with over 70% of new loans directed towards rural and agricultural sectors, and has a current agricultural loan balance exceeding 220.9 billion yuan [12][13]. - The bank aims to support key industries such as dairy, corn, and meat sheep, with plans to increase related loans by over 10 billion yuan by 2025 [12][13]. Group 5: Service Improvement and Client Response - The bank has introduced over 40 standardized financial products to meet the diverse needs of farmers, small businesses, and individual entrepreneurs [14]. - The bank's responsiveness has improved significantly, as evidenced by its rapid assistance to clients affected by natural disasters, demonstrating a commitment to customer service [15][16]. Group 6: Future Outlook - The ongoing reforms are expected to enhance the bank's governance and operational capabilities, contributing to the stability of the financial system and supporting the healthy development of the real economy [17].