股本预计400亿元 吉林农商行要来了

Core Viewpoint - The reform of the Jilin rural credit system is making significant progress, with the establishment of the Jilin Rural Commercial Bank expected to enhance its operational strength and support sustainable business development, ultimately reaching a capital of 40 billion yuan [2][5][10]. Group 1: Reform and Financial Support - The Jilin provincial government has issued 260 billion yuan in special bonds to support the development of small and medium-sized banks, with a total of 346 billion yuan allocated for the reform of the Jilin rural credit system [2][5]. - The Jilin Financial Holding Group is investing in the newly established Jilin Rural Commercial Bank to improve its capital adequacy and risk resistance [5][6]. - The special bonds have a 10-year term and an interest rate of 1.76%, marking the first issuance of such bonds in 2025 [6][7]. Group 2: Financial Performance and Market Position - As of the end of December 2023, the total assets of the Jilin rural credit system reached 1,007.24 billion yuan, with total liabilities of 953.59 billion yuan, reflecting increases of 53.77 billion yuan and 57.57 billion yuan respectively [10]. - The balance of various deposits was 790.31 billion yuan, up by 59.76 billion yuan, representing an 8.2% growth, while the balance of loans was 497.29 billion yuan, increasing by 17.45 billion yuan, or 3.6% [10]. - The market shares for deposits and loans in the Jilin rural credit system are 23.3% and 22.3%, respectively, making it the largest in the province [10]. Group 3: National Context and Future Outlook - If the reform proceeds smoothly, the Jilin Rural Commercial Bank may become the tenth provincial-level rural commercial bank established in the country [12]. - The reform model chosen by Jilin is the "unified legal person" model, which aims to consolidate operations and enhance risk management [12][14]. - Other provinces are also advancing their rural credit system reforms, with various models being implemented across the country [11][14].