农信系统改革再扩围 三地明确筹建省级农商行

Core Viewpoint - The reform of the rural credit system in China is advancing with the establishment of provincial rural commercial banks in Ningxia, Yunnan, and Heilongjiang, adopting a unified legal person model, which is seen as a successful exploration of reform in the banking sector [1][3][4]. Group 1: Ningxia Reform - Huanghe Bank's reform plan for Ningxia Rural Commercial Bank has been approved, marking a significant step in the provincial rural commercial bank reform model [2]. - Huanghe Bank has increased its total share capital from 1.6 billion shares to 1.85 billion shares through two rounds of capital increases in 2024 and 2025, enhancing its capital strength and risk resistance [2]. - The reform aims to merge 19 city and county institutions into a single legal entity bank, which is a typical example of the "financial holding company model" [2]. Group 2: Yunnan Reform - Yunnan Province has approved the establishment of Yunnan Rural Commercial Bank through a new merger, with 122 rural credit cooperatives participating in the process [3]. - The Yunnan Rural Credit Cooperative system has a three-tier legal structure, with the provincial cooperative at its core, and aims to inherit all rights and obligations from the merged institutions [3]. Group 3: Heilongjiang Reform - Heilongjiang's rural credit system is set to initiate the unified legal person model in 2026, with a focus on reform and innovation [4][5]. - The Heilongjiang rural credit system consists of 84 legal entities, including one provincial cooperative and 78 county-level operating entities [5]. Group 4: Overall Reform Trends - Since 2022, a new round of deep reforms in the rural credit system has been launched, with various provinces adopting different reform models, including the unified legal person model and rural commercial bank model [6]. - The unified legal person model is becoming the mainstream choice for reform, as it helps integrate resources, enhance risk resistance, and improve operational efficiency [7].