分步施策为省级农商银行筹建筑基

Core Viewpoint - The Xinjiang Uygur Autonomous Region has completed the establishment of unified legal person rural commercial banks at the prefecture (city) level in the southern four prefectures, marking a progressive reform approach that addresses local economic disparities and supports the eventual creation of a provincial-level rural commercial bank [1][2][3]. Group 1 - The establishment of unified legal person rural commercial banks at the prefecture level has cleared obstacles for optimizing the shareholding structure of provincial-level banks and accumulated valuable experience [2]. - The fragmentation of shareholding in rural financial institutions has been a long-standing issue, particularly in the vast region of Xinjiang. The integration at the prefecture level has standardized natural person shareholding management and concentrated shares among quality entities [2]. - The smooth operation of these prefecture-level banks provides a practical model for establishing an efficient governance system for provincial-level banks, allowing them to avoid starting from scratch and quickly enhance governance capabilities [2][3]. Group 2 - The integration efforts at the prefecture level create a buffer and safeguard for risk prevention at the provincial level, mitigating systemic pressure during large-scale financial institution integrations [3]. - Prefecture-level banks have developed localized financial service models tailored to regional industrial characteristics, which will serve as important resources for provincial banks in supporting local agriculture, small enterprises, and county economies [3]. - The gradual reform approach in Xinjiang offers insights for other provinces with similar vast areas and uneven regional development, emphasizing the need for tailored solutions to maximize reform effectiveness [3].