QRCB(SZ:002958) Sou Hu Cai Jing·2026-01-16 09:13Core Viewpoint - Qingnong Commercial Bank (002958) has nominated Liang Yanbo as a candidate for the fifth board of directors, potentially making him the youngest chairman among the 42 A-share listed banks if the nomination is approved [1][3]. Group 1: Leadership Transition - Liang Yanbo, aged 47, is expected to become the youngest chairman of A-share listed banks, following the retirement of former chairman Wang Xifeng due to age [3]. - The transition of leadership has been smooth, with the current president, Yu Fengxing, temporarily taking over the chairman's responsibilities to ensure continuity [3]. - Liang's nomination is a significant step in his formal takeover of Qingnong Commercial Bank, reflecting the mainstream governance model of "party and government in one" [3][4]. Group 2: Liang Yanbo's Background - Liang has a strong background in rural credit systems, having held key positions in various rural commercial banks in Shandong, which provides him with extensive management and risk handling experience [4][5]. - His educational qualifications include a master's degree in business administration, and he has been involved in the reform of the rural credit system in Shandong [4]. Group 3: Industry Trends - Liang's appointment signals a trend towards younger leadership in the banking sector, as "post-75" chairmen are still a rare group among A-share listed banks, where the average age of executives is around 54 [4][8]. - If Liang's appointment is finalized, it will further accelerate the transition of A-share bank executives towards younger generations [8][9]. Group 4: Business Performance and Challenges - As of September 2025, Qingnong Commercial Bank's total assets reached 509.92 billion yuan, a 6.5% increase year-on-year, with total deposits of 335.2 billion yuan, maintaining a leading market share in Qingdao [5][6]. - However, the bank's revenue has faced challenges, with a slight decline of 4.9% year-on-year to 8.03 billion yuan in the first three quarters of 2025, indicating pressure on profit structure optimization [6][7]. - The bank's net profit attributable to shareholders grew by 3.6% year-on-year to 3.32 billion yuan, but this growth was supported by financial investment income, which is subject to market volatility [7]. Group 5: Future Directions - Liang has proposed measures to enhance the bank's digital transformation and support for inclusive finance, including advocating for access to credit data for farmers and small businesses [5]. - He aims to address financial service challenges in rural revitalization by restructuring assessment systems to include financial service indicators [5]. - The bank faces multiple operational challenges, including competition from local banks and the need for balanced expansion and quality improvement in its operations [8].