又一省级联合银行获批开业，省联社改革再提速

Core Viewpoint - The establishment of Guizhou Rural Commercial Bank marks a significant step in the reform of rural financial institutions in China, transitioning from a "county-level" to a "provincial-level" system, with a registered capital exceeding 10.4 billion RMB [3][4]. Group 1: Establishment and Capitalization - Guizhou Rural Commercial Bank has been approved to commence operations with a registered capital of 10.458 billion RMB, backed by four shareholders including Guizhou Provincial Finance Department and Guizhou Moutai Distillery [3][4]. - Guizhou Financial Holdings is the largest shareholder, contributing 6.886 billion RMB, which accounts for 65.844% of the bank's total shares [3]. Group 2: Government Support and Reform Process - The establishment of Guizhou Rural Commercial Bank has been a key focus of the provincial government for several years, emphasizing the need for local financial institutions to strengthen and optimize [3][4]. - The provincial government has reiterated its commitment to advancing the reform of rural credit cooperatives, with specific mentions in government work reports from 2023 and 2025 [3][4]. Group 3: Broader Industry Trends - The pace of establishing provincial rural commercial banks has accelerated, with multiple banks, including those in Jiangxi, Henan, and Xinjiang, having completed their opening ceremonies within the same year [6][7]. - The reforms are driven by both policy mandates and the need for a more robust rural financial system to support rural revitalization efforts [8]. Group 4: Reform Characteristics and Future Directions - The ongoing reforms aim to consolidate previously fragmented rural financial resources into a cohesive system, enhancing risk management and competitive strength against larger banks [4][9]. - The reform models include unified legal entities and joint bank structures, with a focus on adapting to local economic conditions to maximize the effectiveness of rural financial institutions [10].