“一省一策”落地贵州农商联合银行添丁

Group 1 - Guizhou Rural Commercial Bank has been approved for establishment, marking a significant breakthrough in the reform of rural credit cooperatives in Guizhou [1] - China Guizhou Moutai Distillery Co., Ltd. has become a key shareholder, which is expected to enhance the bank's capital strength, market reputation, and synergy within the industrial chain [1][2] - The registered capital of Guizhou Rural Commercial Bank is 10.458 billion yuan, with shareholding ratios of 15.032% for the Guizhou Provincial Finance Department, 65.844% for Guizhou Financial Holdings Group, and 9.562% each for Moutai Group and Guizhou Qiansheng State-owned Assets Management [1] Group 2 - The introduction of quality industrial capital from Moutai Group is anticipated to improve the governance and market image of Guizhou Rural Commercial Bank, enhancing its credit and financing capabilities [2] - Moutai Group's stake is expected to strengthen financial collaboration across its supply chain, improving financial accessibility and risk control for upstream and downstream partners [2] - The "one province, one policy" approach to rural credit cooperative reform has been emphasized in the central government's documents for six consecutive years, with various provinces adopting different models [2][3] Group 3 - The joint bank model features a two-tier legal structure, allowing provincial joint banks and county-level rural commercial banks to maintain independent legal status while forming a collaborative system [3] - Guizhou's decision to establish a provincial joint bank aims to integrate resources from 84 county-level institutions to address weaknesses in individual institutions and improve risk control [3] - The joint bank model allows for gradual risk management and targeted restructuring of high-risk institutions, facilitating collaboration with local finance and state-owned assets [3] Group 4 - Experts predict that the focus of rural credit cooperative reform in the coming year will be on stabilizing risks, strengthening governance, supplementing capital, and enhancing capabilities [4] - The reform will accelerate the establishment of unified legal entities at the municipal level and improve capital supplementation mechanisms [4] - There will be an emphasis on digital transformation to enhance services for agriculture and small enterprises, alongside the development of supportive policies for capital, tax incentives, and non-performing asset management [4]