贵州农信改革重要动向！筹建农商联合银行，这些股东将入股

Core Viewpoint - The establishment of the Guizhou Rural Commercial Union Bank is officially underway, aiming to enhance local financial institutions and support rural credit reforms in Guizhou province [1][3]. Group 1: Establishment and Structure - The Guizhou Rural Commercial Union Bank will be formed by canceling the legal status of the Guizhou Rural Credit Cooperative Union and establishing a new joint-stock company [3]. - The new bank will inherit all business, assets, and liabilities from the Guizhou Rural Credit Cooperative Union, pending approval from financial regulatory authorities [3]. - The establishment process will involve hiring qualified intermediaries for asset evaluation and financial audits [3]. Group 2: Financial Performance and Scale - Guizhou Rural Credit has a network of 2,293 branches and over 28,000 employees, with deposits exceeding 922.9 billion and loans surpassing 709.5 billion [4]. - The total assets of Guizhou Rural Credit exceeded 1 trillion, reaching 1,070.45 billion [4]. Group 3: Involvement of State-Owned Enterprises - Guizhou Financial Holding Group and Qiansheng State-owned Assets will play significant roles in the reform process [5][8]. - Guizhou Financial Holding Group, established in December 2016, operates across various financial sectors, including banking and asset management [6]. - Qiansheng State-owned Assets focuses on capital operation management and holds stakes in several companies, enhancing its financial capabilities [7]. Group 4: Reform Models and Trends - The joint bank model is seen as a cost-effective reform that maintains a multi-level governance structure, suitable for provinces with many quality rural commercial banks [9][10]. - The "upward participation" model allows the provincial bank to optimize the equity structure of rural financial institutions, improving governance [10]. Group 5: Broader Context of Rural Bank Reforms - Other provinces, such as Jilin, are also advancing their rural bank reforms, with Jilin Rural Commercial Bank's establishment approved recently [11][12]. - The trend of establishing provincial rural commercial banks is accelerating, with several banks already launched in 2024 [14]. - The Xinjiang region is also working towards establishing a unified rural commercial bank, aiming for completion by 2025 [15].