开年三地明确，组建省级农商行！

Core Viewpoint - The article highlights significant advancements in the reform of rural credit systems in China, particularly focusing on the establishment of provincial rural commercial banks through a unified legal entity model in regions such as Ningxia, Yunnan, and Heilongjiang [1][2][5]. Group 1: Ningxia's Reform - The Ningxia Rural Commercial Bank's reform plan has been approved, marking a successful exploration of the provincial rural commercial bank reform model [1][4]. - The Yellow River Bank, established in 2008, is recognized as a pilot unit for provincial-level cooperative reform, with an average shareholding of over 20% in 19 county-level institutions [3][4]. - The bank's total shares increased from 1.6 billion to 1.85 billion, enhancing its capital strength and risk resistance [4]. Group 2: Yunnan's Reform - Yunnan's rural credit system, comprising 123 institutions, has approved the establishment of the Yunnan Rural Commercial Bank through a new merger [2][6]. - The Yunnan Provincial Cooperative was established in March 2005, forming a three-tiered legal system with various levels of rural financial institutions [6]. Group 3: Heilongjiang's Reform - Heilongjiang's rural credit system is set to initiate its unified legal entity model in 2026, with a focus on reform and innovation [5][7]. - The Heilongjiang Rural Credit System consists of 84 legal entities, including one provincial cooperative and multiple county-level institutions [7]. Group 4: Overall Reform Trends - Since 2022, a new round of rural credit system reforms has been initiated, with various regions adopting different models, including unified legal entities and rural commercial banks [8][9]. - The unified legal entity model is becoming a mainstream choice for reform, as it facilitates resource integration and enhances operational efficiency [9][10].