你家门口的农村信用社正加速改名，还有这些“在路上”

Core Insights - The reform of provincial credit cooperatives is accelerating, with seven provincial rural commercial banks or rural commercial joint banks approved to open in 2025, marking a significant increase compared to 2023 and 2024 [1][2][13] Group 1: Overview of New Banks - In 2025, seven provincial rural commercial banks or joint banks were established, including those in Henan, Jiangsu, Jiangxi, Inner Mongolia, Jilin, Guizhou, and Xinjiang [2][14] - The establishment of these banks follows the trend initiated by the Zhejiang Rural Commercial Joint Bank in 2022, with a total of 13 provincial reforms completed [2][14] Group 2: Capital and Asset Scale - Among the seven new institutions, five have registered capital exceeding 10 billion yuan, with Inner Mongolia Rural Commercial Bank leading at 58.017 billion yuan [3][15] - Asset scales for several banks exceed 1 trillion yuan, with Jiangsu Rural Commercial Joint Bank having the largest asset scale of over 5 trillion yuan as of June 2025 [4][16] Group 3: Reform Models - The seven new banks adopted two main reform models: four chose the provincial unified legal person model, while three opted for the joint bank model [6][18] - The unified legal person model is designed to enhance resource allocation and risk management, while the joint bank model allows for the preservation of the original legal status of rural credit institutions [6][20] Group 4: Future Directions and Challenges - Future reforms will focus on a tailored approach for each province, emphasizing the introduction of strategic investors to enhance capital and governance [12][22] - Key challenges include balancing provincial oversight with local operational autonomy and addressing the diverse historical and financial conditions of rural credit institutions [11][22]