本报（chinatimes.net.cn）记者张萌 卢梦雪 北京报道 农信改革再落关键一子。 11月7日，国家金融监督管理总局披露公告，正式批复同意筹建新疆农村商业银行股份有限公司（下 称"新疆农商银行"）。西北地区首家省级统一法人农商银行即将诞生。 据新疆农信社2025年工作会议透露，新疆农商银行开业后资产规模将超过7000亿元。10月29日，新疆农 信进一步表示，将力争在11月底实现该行的挂牌开业。 今年以来，我国中小金融机构改革化险进入快车道，河南、江西、江苏、内蒙古、吉林五地省联社改革 相继落地，地方金融体系的稳健性和服务实体经济能力持续增强。 "新疆农信的改革化险工作已有一定条件，此前通过'分步走'，各地（州、市）级统一法人农商银行已 基本完成组建，这为组建全区统一法人农商银行奠定了一定的基础。"招联首席研究员董希淼向《华夏 时报》记者表示。 力争11月底实现挂牌开业 2025年3月17日，新疆农商银行筹建工作小组等机构发布组建公告，其中提到，新疆农信联社等56家新 疆农信法人机构已分别履行内部公司治理程序，召开会议审议通过以新设合并方式组建新疆农商银行相 关事项，并形成决议。原各机构的债权债务将由 ...

Core Viewpoint - The recent approval for the dissolution of 13 county-level rural commercial banks in Sichuan marks a significant advancement in the "provincial investment and municipal integration" reform led by Sichuan Rural Commercial Bank, aiming to reshape the rural financial network in the province and provide a replicable model for national rural financial reform [1] Group 1: Reform Overview - The reform, initiated in 2024, focuses on a two-step strategy: first integrating municipal equity, followed by promoting county-level mergers, which is expected to enhance resource allocation towards rural revitalization, small and micro enterprises, and green agriculture [1] - The establishment of Sichuan Rural Commercial Bank in January 2024, with a registered capital of 22 billion yuan, signifies the formal adoption of the provincial joint bank model, which will gradually invest in municipal rural commercial banks through targeted capital increases [2] Group 2: Capital Injection and Shareholding Structure - The core logic of the reform involves a tiered integration approach where provincial capital is injected into municipal banks, which in turn consolidate county banks, with the first capital increase reported by Liangshan Rural Commercial Bank raising 772 million yuan [2][3] - By September, Sichuan Rural Commercial Bank had become the largest shareholder in several municipal banks, increasing its shareholding in Neijiang and Mianyang banks significantly [3] Group 3: Institutional Integration - The "municipal integration of county banks" aspect of the reform involves four municipal banks absorbing 13 county banks, with all business and debt responsibilities transferred to the municipal banks [4] - Specific municipal banks, such as Suining and Guangyuan, have absorbed multiple county banks, with Sichuan Rural Commercial Bank holding significant stakes in these institutions, enhancing its influence and control [4] Group 4: Resource Coordination and Competitive Advantage - The reform is expected to create substantial value beyond mere institutional integration, optimizing the shareholding structure of 10 municipal and 13 county banks, thereby enhancing their competitive position against larger commercial banks [5] - The integration is anticipated to improve operational efficiency, brand recognition, product innovation, and financial technology capabilities, allowing rural commercial banks to better compete in the market [5][6] Group 5: Tailored Reform Approach - The reform adopts a "localized and tailored" strategy, adjusting the reform pathways based on the economic conditions and institutional characteristics of different municipalities, which serves as a model for other regions [6]

Core Viewpoint - The establishment of Inner Mongolia Rural Commercial Bank marks a significant reform in the financial system, enhancing regional financial services and addressing previous inefficiencies in agricultural financing [1][2]. Group 1: Financial Reform and Structure - The reform involved a unified legal entity model that consolidated all rural cooperative institutions and village banks in Inner Mongolia, resulting in a financial restructuring of approximately 850 billion yuan [1]. - Inner Mongolia Rural Commercial Bank has achieved total assets of 849.86 billion yuan and outstanding loans of 434.23 billion yuan, leading in various loan categories within the region [1][2]. - The bank's structure includes a "professional headquarters + efficient branches + strong service sub-branches" model, improving resource allocation and service efficiency across the region [2]. Group 2: Impact on Agricultural Financing - The reform has transformed the financing landscape for agricultural enterprises, allowing them to secure loans from a single bank rather than multiple credit cooperatives, thus reducing the loan application process significantly [2][3]. - The bank has implemented a coordinated service mechanism that enables substantial funding support for entire industrial chains, enhancing the ability to meet financing needs [3][4]. - The bank's focus on supporting small and micro enterprises has led to increased loan disbursements, with significant amounts allocated to agricultural projects and equipment upgrades [3][4]. Group 3: Efficiency and Service Improvement - Loan processing times have been drastically reduced, with some loans being approved and disbursed within three days, and overall efficiency improved by 80% [4][5]. - The bank has adopted a "one customer, one policy" approach, tailoring services to meet the specific needs of different industries and enterprises [6][7]. - The introduction of a comprehensive service system for technology companies has allowed for innovative financing solutions, such as "technology loans" based on intellectual property and research investments [8][9]. Group 4: Case Studies and Success Stories - Inner Mongolia Rural Commercial Bank has successfully supported various enterprises, including a significant increase in credit limits for companies like Huayou Starch and SNO New Materials, demonstrating the effectiveness of the reform [7][8][10]. - The bank's proactive approach during emergencies, such as natural disasters, has helped businesses recover by reducing interest rates and providing continued support [9][10]. - The bank has established a robust ecosystem for financial services, engaging with over 1.23 million agricultural households and 874,000 businesses, thereby optimizing the financial environment in rural areas [10].

进一步深化农信机构改革、提升服务水平，还需以"银银协同"为契机，持续巩固改革成效、拓宽发展空 间。一方面，省级农信机构要依托与国有大行的合作，加快补短板、强弱项：在金融科技领域，可借助 国有大行的技术积累，完善数字化服务体系，让基层群众享受更便捷的金融服务；在风险管理领域，可 学习国有大行的合规管理经验，提升应对复杂市场环境的能力；另一方面，双方的合作需从"框架协 议"走向"落地实效"，围绕区域发展重点领域建立常态化沟通机制，将"沪蒙样板""桂交协同"的经验复 制推广，形成更多可借鉴、可复制的合作模式。更重要的是，省级农信机构要始终牢记"立足地方、服 务基层"的定位，在与国有大行的合作中保持自身特色，避免同质化发展，真正实现"国有大行引领、地 方银行深耕"的协同效应。 未来，随着农信改革进一步推进，期待更多省级农信机构以开放合作的姿态，对接优质金融资源，在服 务乡村振兴、支持区域产业升级、助力国家重大战略中展现更大作为，为中国式现代化建设贡献更多地 方金融力量。 （文章来源：证券日报） 省级农信机构作为扎根地方、服务基层的金融主力军，其改革进程始终与区域经济发展同频共振。此 前，受限于分散化管理、资源整合能力 ...

"稳字当头"这一核心逻辑还体现在股权结构的阶段性优化中，突出彰显了改革的远见与定力。改革规划 中"逐步引入战略投资者、优质产业资本，优化股权结构"的方向，为未来发展预留了市场化空间——待 内部管理体系成熟、服务网络完善后，外部资本的加入将带来更先进的经营理念与技术手段，推动河南 农商银行从"区域型银行"向"现代化农村金融机构"转型。这种"先夯实基础、再开放赋能"的股权路径， 既守住了改革的"底线"，又打开了发展的"上限"，实现了政策导向与市场活力的平衡。 当然，河南农信改革的深化仍需直面挑战：资产划转中如何确保债权债务清晰衔接、历史不良资产如何 高效处置等，都是亟待破解的难题。但从更广阔的视角看，河南的实践已经清晰回答了省级农信改革的 核心命题：改革不是"速度竞赛"，而是"精度比拼"；不是"模式复制"，而是"因地制宜"。这也是"稳字当 头"这一核心逻辑的另一层面体现。 总之，随着乡村振兴战略的深入推进，农村金融的高质量发展已成为关键支撑。河南农商银行的整合实 践证明，改革不必追求"一步到位"，但需保持"方向清晰"；不必强求"模式统一"，但需坚守"实效为 本"。这种以稳求进、以合促兴的改革路径，不仅为更多省份的 ...

今年以来，农信改革加速推进，年内已有河南、内蒙古、江苏、江西等四地农村信用社省级机构挂牌营 业，往前追溯，国内由农信改革而生的新省级机构已达10家。 券商中国记者发现，近期，浙江、辽宁、海南、江西等地的多家农村信用社省级机构均发布社会招聘公 告，"海选"高管、金融科技、公司金融等相关人才，涵盖多个业务领域。此外，在挂牌营业一年半后， 山西农商联合银行首届党委领导班子也于近期"出炉"。 业内人士指出，各地农村信用社省级机构陆续筹备落地，经营状态也将从"挂牌运营"走向"治理完善"， 相应的人才队伍特别是金融科技人才，急需补充和储备，以此来提升差异化服务、数字化风控等能力， 预计未来市场化招聘高管也将成趋势。 多家银行发布招募令 7月底，浙江农商联合银行发布公告，面向全省市场化选聘系统内农商银行经理层岗位人员，具体选聘 岗位为桐庐农商银行副行长1名、嘉善农商银行副行长1名、龙游农商银行副行长1名。 浙江农商联合银行成立于2022年4月，由浙江省农村信用社联合社改制设立，也是全国深化农信社改革 的"第一单"，采用"下参上"的股权模式。目前，浙江农商联合银行下辖82家县(市、区)农商银行、农信 联社，本次招募副行长的三 ...

Core Viewpoint - The article highlights the accelerated reform of rural credit cooperatives in China, with multiple provinces establishing new provincial-level institutions and a growing demand for financial technology talent to support digital transformation and governance improvements [1][5]. Group 1: Reform Progress - Since the beginning of the year, rural credit reform has advanced rapidly, with four provincial-level rural credit cooperatives established in Henan, Inner Mongolia, Jiangsu, and Jiangxi, bringing the total to ten new institutions [1]. - Various provinces, including Zhejiang, Liaoning, Hainan, and Jiangxi, have initiated social recruitment for high-level positions and financial technology talent, indicating a shift from mere operational setup to improved governance [2]. Group 2: Recruitment Trends - Zhejiang Rural Commercial Bank has announced market-oriented recruitment for managerial positions across its branches, reflecting a broader trend of hiring experienced professionals in the sector [3]. - Liaoning Rural Commercial Bank is also actively recruiting management personnel, with a focus on various departments, including financial markets and risk management [3]. - Hainan and Jiangxi rural banks have similarly released recruitment announcements for various roles, emphasizing the need for specialized skills in technology and finance [4]. Group 3: Demand for Financial Technology Talent - A total of ten provinces have seen the establishment of new rural credit institutions, with a notable emphasis on recruiting financial technology talent to enhance digital capabilities [5]. - The increasing demand for financial technology professionals is attributed to the deepening digital transformation within the industry, as well as the historical lack of such talent compared to larger national banks [6]. - The new provincial institutions are expected to adopt a dual-track talent strategy, focusing on both high-level technology management roles and expanding the number of entry-level technology positions [6][8]. Group 4: Market-Oriented Recruitment - The trend towards social recruitment for high-level positions is driven by regulatory requirements for improved corporate governance and the need for rapid team formation during the establishment phase of these institutions [8][9]. - The reliance on external recruitment is expected to increase, as the existing leadership often lacks experience in digital transformation and cross-regional risk management [9]. - The introduction of external talent is seen as a way to break the internal cycle and bring in new management ideas and resources to compete effectively against larger state-owned banks [9].

Core Viewpoint - The reform of rural credit cooperatives in China is accelerating, with new provincial-level institutions established in multiple regions, highlighting a growing demand for talent, particularly in financial technology [1][3]. Group 1: Reform Progress - As of now, 10 new provincial-level rural credit cooperative institutions have been established in regions such as Henan, Inner Mongolia, Jiangsu, and Jiangxi [1]. - The operational status of these institutions is transitioning from "registered operation" to "improved governance," necessitating the recruitment of skilled personnel, especially in financial technology [1]. Group 2: Talent Recruitment - Zhejiang Rural Commercial Bank has initiated a market-oriented recruitment process for managerial positions across its member banks [2]. - Liaoning Rural Commercial Bank is also actively recruiting, with a total of 19 positions available across various departments [2]. - Other provinces, including Hainan and Jiangxi, have similarly announced recruitment drives for positions in information technology and financial management [2]. Group 3: Demand for Financial Technology Talent - A total of 10 provincial-level rural credit cooperative institutions have been established, with a notable emphasis on recruiting financial technology talent [3]. - The need for financial technology professionals is driven by the digital transformation of the industry and the historical lack of such talent compared to larger national banks [4]. Group 4: Strategic Talent Development - The talent strategy of newly established rural credit cooperative institutions is increasingly focused on digitalization and specialization, with a dual approach of high-level leadership and grassroots expansion [4][5]. - There is a growing trend towards market-oriented recruitment for senior management positions, driven by regulatory requirements and the need for rapid team formation [6]. Group 5: Future Trends in Recruitment - The reliance on social recruitment for talent acquisition is expected to increase, with a balanced approach between internal development and external hiring [5][6]. - The introduction of external talent is seen as essential for addressing gaps in digital transformation and enhancing competitive capabilities against larger banks [6].

Core Viewpoint - The establishment of Jilin Rural Commercial Bank marks a significant step in the reform of rural financial institutions in China, representing the fifth provincial-level rural commercial bank with a unified legal entity in the country [1][2]. Group 1: Reform and Structure - The reform of the Jilin rural credit system and the establishment of the provincial-level rural commercial bank aim to address governance and operational issues associated with the two-tier system of rural credit cooperatives, enhancing risk management and operational efficiency [2]. - The unified legal entity model of Jilin Rural Commercial Bank is expected to concentrate resources, improve capital strength, and enhance brand image, making it a stronger local financial institution in Jilin province [1][2]. Group 2: Advantages and Strategic Focus - The new bank will have advantages in various aspects such as governance, capital strength, risk prevention, and technological advancement compared to previous structures, positioning it as the most powerful local financial institution in Jilin [2]. - The reform is seen as a combination of "subtraction + reconstruction," focusing on differentiated strategic positioning, risk management, talent development, and digital transformation to enhance internal capabilities for development and risk control [2].

Core Viewpoint - Jilin Province is issuing 26 billion yuan in special bonds to support the development of small and medium-sized banks, with the funds primarily allocated to the newly established Jilin Rural Commercial Bank, marking the first issuance of such bonds in the country for 2025 [1][4]. Group 1: Bond Issuance Details - The special bonds are set to be issued on July 22, with an estimated interest rate of 2.10% and a maturity period of 10 years [1]. - The total planned issuance is 26 billion yuan, which will be fully allocated to Jilin Rural Commercial Bank [3]. - The bonds will have a semi-annual interest payment frequency, with principal repayment structured as equal installments over the last five years [3]. Group 2: Financial Projections and Returns - The total capital of Jilin Rural Commercial Bank is expected to reach 40 billion yuan after the reform [5]. - The projected total income from dividends and equity transfers over ten years is estimated at 597.68 million yuan, which will cover the principal and interest of the bonds [6]. - The equity transfer price is expected to increase from 1.21 yuan per share in 2027 to 1.74 yuan per share by 2035 [6]. Group 3: Governance and Risk Management - Jilin Financial Holding Group will participate in the governance of Jilin Rural Commercial Bank and is responsible for ensuring the bank's focus on agricultural and small enterprise support [7][8]. - The repayment responsibility for the bonds lies with Jilin Financial Holding Group, with provisions for government intervention if necessary [8]. Group 4: Context of Reform - The reform is part of a broader initiative to address the operational pressures faced by local rural credit institutions, with Jilin Province being a pioneer in rural credit reform since 2003 [10][11]. - The establishment of Jilin Rural Commercial Bank is a significant step in the ongoing national reform of rural financial institutions, which aims to enhance capital strength and governance structures [12][14].