全国经济第一大省，明确！推动组建农商联合银行……

Core Viewpoint - The Guangdong rural credit system is undergoing significant reform, with a focus on establishing rural commercial banks and enhancing management mechanisms, as outlined in the 2024 annual report of the Guangdong Provincial Association [1][2]. Group 1: Reform Direction and Structure - The Guangdong rural credit system has adopted a "1+7" market structure, where several rural commercial banks have transitioned from provincial management to local government oversight between 2021 and 2022 [2]. - The Guangdong Provincial Government has emphasized accelerating the reform of the provincial rural credit union and supporting the establishment of unified local rural commercial banks in regions with weaker financial capacities [2][4]. - The 2024 annual report from the Guangdong Provincial Association indicates a commitment to management reform and the establishment of rural commercial banks by 2025 [1][2]. Group 2: Leadership Changes - In February 2023, Liu Peng was appointed as the deputy secretary of the provincial association, while the former director, Mai Yanhou, was promoted to secretary of the provincial association [3]. - Liu Peng has a background in regulatory roles within the banking sector and has contributed significantly to financial reforms in the region [3]. Group 3: National Trends in Banking Reform - There is a nationwide trend of merging and restructuring banks to enhance risk management and operational stability, with several provinces implementing their own reform plans [4][5]. - The establishment of unified rural commercial banks has been noted in various provinces, including Zhejiang, Shanxi, and others, with significant progress made in 2023 [4][5]. - The unified legal entity model is being adopted in regions with fewer banking institutions, aiming to consolidate financial resources and create scale advantages [5][6]. Group 4: Regional Developments - Multiple provinces, including Hubei and Guizhou, have outlined plans to establish rural commercial banks, indicating a broader commitment to reform across the country [6][7]. - In Anhui, the merger of local banks has marked the successful implementation of unified legal entity reforms [8]. - Regions such as Yunnan and Guangxi are also advancing plans to establish unified rural commercial banks, reflecting a trend towards regional consolidation [8][9].