金融圈大消息！ 【导读】河南农商银行获批吸收合并9市82家机构，原机构变更为分支机构 9月28日，河南农商银行发布公告称，经国家金融监督管理总局河南监管局批准，河南农村商业银行股份有限公司（以下简称河南农商银行）吸收合并开 封、平顶山、安阳、焦作、三门峡、南阳、商丘、信阳、周口9市农商银行（农信社）、村镇银行等共82家机构。 此次吸收合并的82家机构，包括78家行社（银行和农信社）及4家村镇银行。其中，村镇银行分别为尉氏合益村镇银行、宝丰豫丰村镇银行、灵宝融丰村 镇银行、汝州玉川村镇银行。 近年来，各地省联社改革持续推进。按照"一省一策"的原则，各省联社改革路径主要分为组建省级农商行的统一法人模式和组建农商联合银行的两级法人 模式。 其中，河南省联社改革采取了"分步走"的方式，即先采用联合银行模式后又改制为统一法人模式：2022年10月，河南省联社改革方案获得原银保监会批 复；2023年8月，河南农商联合银行获批筹建；2024年11月，河南农商联合银行挂牌开业；2025年2月，河南农商银行获批筹建、开业。 同在2025年2月，河南农商银行发布公告称，经国家金融监督管理总局批准，河南农村商业联合银行和郑州、新乡 ...

【导读】河南农商银行获批吸收合并9市82家机构，原机构变更为分支机构 中国基金报记者 晨曦 金融圈大消息！ 9月28日， 河南农商银行 发布公告称，经国家金融监督管理总局河南监管局批准，河南农村商业银行股份有限公司（以下简称河南农商银 行）吸收合并开封、平顶山、安阳、焦作、三门峡、南阳、商丘、信阳、周口9市农商银行（农信社）、村镇银行等共82家机构。 河南农商银行表示，吸收合并后，该行将承继82家机构全部资产、负债、业务、人员、网点以及其他一切权利义务，原机构变更为河南农 商银行的分支机构。客户所持有的账户、卡、单、折、USBKEY和已合法签署的合同、协议等继续有效，各项服务保持不变。 此次吸收合并的82家机构，包括78家行社（银行和农信社）及4家村镇银行。其中，村镇银行分别为尉氏合益村镇银行、宝丰豫丰村镇银 行、灵宝融丰村镇银行、汝州玉川村镇银行。 近年来，各地省联社改革持续推进。按照"一省一策"的原则，各省联社改革路径主要分为组建省级农商行的统一法人模式和组建农商联合 银行的两级法人模式。 其中，河南省联社改革采取了"分步走"的方式，即先采用联合银行模式后又改制为统一法人模式：2022年10月，河南省联社 ...

Group 1 - Jilin Rural Commercial Bank has been approved for establishment with a registered capital of 34.628 billion yuan, primarily funded by Jilin Financial Holding Group at 99.92% [2][5] - The bank will operate 13 branches across various cities, including Changchun and Siping, and will be supervised by local financial regulatory authorities [2][3] - The management team consists of 23 approved members, with a structure of one chairman and four vice presidents, many of whom are from the Jilin Provincial Credit Union [6][7] Group 2 - The bank's business scope includes accepting public deposits, issuing loans, conducting domestic and international settlements, and providing various financial services [3] - The establishment of Jilin Rural Commercial Bank is part of a broader trend where 11 provincial credit unions have transitioned into provincial rural commercial banks or joint banks across several provinces [9][10] - The bank aims to become the strongest local financial institution in terms of capital, service range, and support for agriculture and small enterprises in the province [5][4] Group 3 - The bank has eliminated the supervisory board structure, opting for an audit committee to fulfill its oversight responsibilities, aligning with recent regulatory changes [8] - The establishment of a Chief Compliance Officer position reflects the increasing focus on compliance within financial institutions, following regulatory mandates [7][8] - The ongoing reforms in rural financial institutions are seen as a shift from risk mitigation to sustainable development as the sector matures [10]

Core Viewpoint - The reform of Guizhou Rural Credit Cooperatives has entered a substantive phase with the establishment of Guizhou Rural Commercial United Bank, which will inherit the rights and obligations of the original Guizhou Provincial Cooperative [1] Group 1: Establishment of Guizhou Rural Commercial United Bank - Guizhou Provincial Cooperative announced the formation of Guizhou Rural Commercial United Bank, which will take over the business, assets, and debts of the original cooperative [1] - The establishment process will be carried out in steps, including asset evaluation and the handling of member capital according to a resolution passed by the member assembly [1] Group 2: Collaboration with State-Owned Enterprises - Guizhou Provincial Cooperative has engaged in discussions with Guizhou Financial Holding Group and Qiansheng State-Owned Assets Management Company to enhance cooperation and support for the reform [2] - The discussions focused on market-oriented reforms, financial collaboration, and support in areas such as capital injection and non-performing asset management [2] Group 3: Government Support and Responsibility - The Guizhou government has outlined the responsibility for the establishment of the bank in its work report, emphasizing the need for local financial institutions to strengthen and optimize [3] - Various government bodies, including the Provincial Financial Office and the Provincial State-Owned Assets Supervision and Administration Commission, are involved in the reform process [3] Group 4: Technological Advancements - The reform framework emphasizes the advantages of a commercial bank model, particularly in leveraging financial technology [4] - Guizhou Provincial Cooperative has initiated multiple technology projects, including AI model applications and infrastructure upgrades, to enhance its technological capabilities [4][5] Group 5: Impact on the Financial Ecosystem - The reform is expected to optimize the coordination of technological resources, reduce redundant investments, and enable the issuance of special bonds for technology funding [5] - Guizhou Provincial Cooperative oversees 84 rural commercial banks, with a network of 2,293 branches and significant deposit and loan volumes, playing a crucial role in supporting local economic development [5]

近期，陕西省农村信用社联合社（以下简称"陕西省联社"）迎来关键人事调整，7月以来有多个高管的 任职资格获批。 陕西金融监管局公布的信息显示，7月21日，核准张镐陕西省农村信用社联合社副主任的任职资格；7月 18日，核准马红刚陕西省农村信用社联合社首席信息官的任职资格，核准杨波陕西省农村信用社联合社 渭南审计中心主任的任职资格，核准王明顺陕西省农村信用社联合社风险总监的任职资格。 2025年6月，陕西省联社在《中共陕西省农村信用社联合社委员会关于十四届省委第六轮巡视整改进展 情况的通报》（以下简称"巡视整改通报"）中提及："在全面深化改革方面持续优化公司治理架构。经 各方研究、多轮探讨、反复修改，形成省联社改革方案，不断加快改革步伐。同时围绕系统组织架构、 员工职级体系、薪酬体系等重点内容，实地考察已完成改革省联社的有关情况，广泛征求组织架构设置 意见。" 高管任职获批 此次获批的部分高管已在陕西农信系统工作多年。 此次获批出任陕西省联社副主任的张镐，此前历任风险管理部副总经理、榆林审计中心主任以及合规管 理部总经理。2025年4月，陕西省人民政府官网披露人事任免公告，同意张镐为陕西省联社副主任人 选。此次任职 ...

Core Viewpoint - The establishment of Guizhou Rural Commercial Bank marks a significant step in the reform of rural credit cooperatives in China, aiming to enhance financial stability and efficiency in the region [1][2][4]. Group 1: Establishment and Background - Guizhou Rural Commercial Bank is being established based on the Guizhou Provincial Credit Union, with the authority to assume all rights and obligations of the former organization [2][3]. - The reform plan for Guizhou's rural credit system has been in discussion since 2021, with a focus on improving local financial regulatory frameworks and risk management [2][4]. - The Guizhou Provincial Government has outlined specific responsibilities for various financial regulatory bodies to ensure the successful establishment of the new bank [2][3]. Group 2: Reform Progress and Models - The reform of rural credit institutions is accelerating across various provinces, with several new rural commercial banks being established under different models, including unified legal entities and joint banks [4][5]. - The unified legal entity model has gained popularity, as seen in provinces like Jilin, while other regions have opted for the joint bank model [4][5]. - The timeline for establishing these banks has shortened significantly, with some provinces completing the process in as little as three months [4][5]. Group 3: Impacts on Financial System - The restructuring of rural credit institutions is expected to improve credit ratings, optimize governance structures, and broaden financing channels, thereby reducing operational costs and risk exposure [5][6]. - The reforms are facilitating the clearing of non-performing assets and the consolidation of inefficient institutions, leading to a more efficient allocation of financial resources [6][7]. - Enhanced capital strength and product innovation capabilities of the newly formed banks will support rural revitalization and local economic development, particularly in serving agriculture, small enterprises, and infrastructure projects [6][7]. Group 4: Challenges and Recommendations - Despite the positive outcomes of the reforms, there are still underlying issues related to institutional frameworks and legal support that need to be addressed [7]. - The need for rural credit institutions to adapt to changing market conditions and improve their governance and risk management practices is emphasized [7]. - Continuous efforts in digital transformation and talent development are crucial for enhancing the resilience and effectiveness of these financial institutions [7].

Group 1 - The core viewpoint of the articles revolves around the reform of rural credit cooperatives in Guizhou, specifically the establishment of Guizhou Rural Commercial Bank, which will inherit the assets and liabilities of the original Guizhou Provincial Cooperative [1] - The Guizhou Rural Commercial Bank will be formed based on the existing provincial cooperative structure, which currently includes 84 rural commercial banks and has a significant presence with over 2,293 outlets and 28,000 employees, managing deposits exceeding 922.9 billion and loans over 709.5 billion [1] - The reform is part of a broader initiative across several provinces in China, including Henan, Xinjiang, and Inner Mongolia, aiming to enhance the asset quality and risk management capabilities of rural financial institutions [2][3] Group 2 - The reform models being adopted include the "unified legal person" and "joint bank" structures, with the joint bank model being favored for its lower costs and preservation of multi-level governance [5] - The "unified legal person" model is more comprehensive and suitable for provinces with fewer legal entities, allowing for better resource concentration and scale advantages [5][6] - The competitive landscape for rural financial institutions is changing, with increased pressure from state-owned banks and fintech companies, necessitating a new type of provincial cooperative to guide and support rural banks in enhancing their competitive edge [7] Group 3 - The implementation of AI technologies, such as the DeepSeek model, is being explored by various provincial rural credit institutions to enhance digital transformation and operational efficiency [8] - Several rural financial institutions have initiated pilot programs to integrate AI capabilities into their operations, aiming to improve knowledge management and customer service [8]

Core Viewpoint - The establishment of Guizhou Rural Commercial Union Bank marks a significant advancement in the reform of Guizhou's rural credit system, with the original assets and liabilities of the Guizhou Provincial Association being transferred to the new bank [1][2][3]. Group 1: Reform Progress - Guizhou Rural Commercial Union Bank's formation was approved during a member meeting on July 28, with a working group authorized to oversee the establishment [2]. - The Guizhou Provincial Association has been actively engaging with local governments to facilitate the reform process, with multiple meetings held in various cities [3]. - The reform of Guizhou's rural credit system has been a focal point in government work reports for three consecutive years, emphasizing its importance in the province's financial reform agenda [4][5]. Group 2: Financial Structure and Operations - Guizhou Rural Credit consists of the provincial association and 84 rural commercial banks, with a total of 2,293 branches and approximately 28,000 employees, holding deposits exceeding 922.9 billion and loans surpassing 709.5 billion [6][8]. - The new bank aims to enhance financial service quality and efficiency, addressing the limitations of the previous provincial association model in supporting local economic development [8]. Group 3: Regulatory and Market Context - The establishment of Guizhou Rural Commercial Union Bank is subject to approval from financial regulatory authorities, indicating a structured approach to the reform [3]. - Similar reforms have been observed in other provinces, with several establishing provincial-level rural commercial banks, suggesting a trend towards this model across the country [6][7].

Core Viewpoint - The reform of rural commercial banks in Guangdong Province aims to enhance capital strength and risk management capabilities while transitioning to a new banking model, specifically the establishment of rural commercial joint banks [1][3][5]. Group 1: Leadership Changes - Liu Peng has been appointed as the new director and vice-chairman of the Guangdong Rural Credit Cooperative Union, previously serving as the deputy mayor of Jieyang City [2]. - The former director, Mai Yanthou, has been promoted to the position of party secretary of the union [2]. Group 2: Financial Performance - As of the end of 2024, the total assets of 81 rural commercial banks in Guangdong (excluding Shenzhen) reached 4.8 trillion yuan, with total deposits amounting to 3.75 trillion yuan [2]. - The union reported a pre-provision profit of 462.97 billion yuan and a net profit of 242.85 billion yuan for 2024 [2]. Group 3: Reform Progress - The Guangdong Rural Credit Cooperative Union is actively promoting the establishment of rural commercial joint banks as part of its 2025 development plan, focusing on management reforms and risk mitigation [3][4]. - Other provinces, including Inner Mongolia, Hainan, and Jiangxi, have also made significant progress in reforming their rural credit systems, leading to the emergence of several new trillion-yuan banks [4][5]. Group 4: Reform Models - The reform models for provincial credit cooperatives include establishing unified legal entities for rural commercial banks, transforming into financial holding companies, and forming provincial rural commercial joint banks [5]. - The rural commercial joint bank model is noted for its low reform costs and the ability to maintain the legal status of subordinate rural credit institutions, facilitating a smooth transition [5]. Group 5: Future Directions - Experts suggest that the future of rural credit reform should focus on sustainable development through specialized services and sound management rather than mere scale expansion [6].

Core Viewpoint - The establishment of Inner Mongolia Rural Commercial Bank marks a significant reform in the rural financial sector, integrating 120 institutions with a registered capital exceeding 58 billion yuan, which is unprecedented in scale and model across the country [1][2][4]. Group 1: Bank Formation and Structure - Inner Mongolia Rural Commercial Bank officially opened on May 27, 2023, following its registration on May 17, with a registered capital of 58.017 billion yuan [2][3]. - The bank consolidates 120 institutions, including village and town banks, into a single entity, which is a unique approach in the current provincial credit union reform [2][3]. - The new bank will operate with 23 internal functional departments, 3 regional audit centers, and a network of 2,192 branches, employing over 30,000 staff [3]. Group 2: Reform Context and Challenges - The reform is seen as a proactive exploration under the "one province, one policy" principle, aimed at addressing systemic issues in small and medium-sized banks, although challenges remain [1][4]. - Experts highlight that the key to the reform's success lies in the effectiveness of risk management and subsequent operational returns [1][4][5]. - The bank's diverse shareholder structure includes local fiscal departments, state-owned enterprises, private enterprises, and individuals, indicating a broad base of support [6][7]. Group 3: Financial Implications - The registered capital of 58 billion yuan is significantly higher than that of similar banks in other provinces, reflecting a strong commitment to risk management and capital adequacy [6][7]. - The involvement of multiple local fiscal departments in the bank's capital structure provides essential financial backing for risk resolution [7][8]. - The establishment of the bank is part of a broader trend where various provinces are moving towards forming provincial-level rural commercial banks to enhance resource allocation and risk management capabilities [4][5][6]. Group 4: Future Outlook - The bank aims to improve its operational metrics to rank among the top 30 provincial rural financial institutions within 3 to 5 years, focusing on both risk management and transformation [10][12]. - The ongoing reforms emphasize the need for a balanced approach to risk resolution and development, as highlighted in the recent government work report [10][12].