21特写｜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 reform milestone in China's rural credit cooperative system, showcasing a successful model of resource integration and risk mitigation through the "unified legal person model" [4][5][8]. Group 1: Bank Transformation and Reform - Inner Mongolia Rural Commercial Bank was established through the merger of 121 rural cooperative institutions and 27 village banks, forming a local legal commercial bank [5]. - The bank's reform is characterized by a "five ones" approach: top-level design completed in one go, all participants included, risk mitigation resources consolidated, central-local collaboration, and consistent regulatory guidance [7]. - As of August, the bank's total assets reached 849.86 billion, liabilities 791.94 billion, and equity 57.91 billion, with deposits totaling 751.16 billion and loans 434.23 billion [8]. Group 2: Service and Loan Distribution - The bank has issued 1.2 billion yuan in agricultural loans and supported over 400 urban merchants this year [2]. - The bank aims to allocate over 70% of new loans to rural and agricultural areas, with agricultural loan balances exceeding 220.9 billion yuan, accounting for over 25% of the region's banking sector [16][14]. - The bank has introduced a range of standardized financial products to meet the diverse needs of farmers, small businesses, and individual entrepreneurs [17]. Group 3: Risk Management and Operational Efficiency - The bank has established a comprehensive risk management system and improved internal controls, addressing previous weaknesses in risk management [11]. - The organizational structure has been optimized to enhance operational efficiency, transitioning from a two-tier to a three-tier system [12]. - The bank has improved its response speed to financial needs, exemplified by rapid assistance to clients affected by natural disasters [21]. Group 4: Future Outlook and Strategic Focus - The bank is committed to supporting the agricultural sector and small enterprises, with plans to increase loans to key industries by over 10 billion yuan by 2025 [14]. - The focus remains on enhancing service quality and operational capabilities to thrive in a competitive banking environment [22].