江西农商联合银行获批22亿元“上参下”，参股省内19家农商行

Core Viewpoint - Jiangxi Rural Commercial Bank has taken a significant step in its "upward participation and downward investment" model by obtaining approval to invest up to 220.475 million yuan in 19 rural commercial banks, enhancing the governance and risk management of the rural financial system in Jiangxi province [2][3][6]. Group 1: Investment Details - The investment involves 19 rural commercial banks across Nanchang, Shangrao, and Pingxiang, with each holding at least 5% [2][3]. - The highest stake is in Hengfeng Rural Commercial Bank at 34.22%, while the lowest is in Yiyang Rural Commercial Bank at 5.08% [4]. - The total investment amount approved is 220.475 million yuan, marking a substantial financial commitment to strengthen local banks [3][6]. Group 2: Institutional Context - Jiangxi Rural Commercial Bank, established in April 2023, is the seventh provincial-level rural commercial bank in China, overseeing 85 banks and over 2,200 branches, with total assets of 1.4 trillion yuan [3][6]. - The "upward participation and downward investment" model aims to enhance the coordination and governance of rural financial institutions by creating a capital link between provincial and county-level banks [6][8]. Group 3: Challenges and Opportunities - Many of the banks involved in this investment face common issues such as high non-performing loan rates and insufficient capital [7]. - For instance, Ganchang Rural Commercial Bank reported a non-performing loan rate of 4.6% and a capital adequacy ratio of 10.59% as of the end of 2024, indicating the need for improved financial health [7]. - The investment is expected to enhance the capital levels of these banks, providing them with more room to manage non-performing assets [6][7].