12月15日，贵州金融监管局发布贵金复〔2025〕176号批复文件，正式同意贵州农商联合银行开业，标志着贵州省农村信用社改革迈出关键一 步。 这家省级金融机构由原贵州省农村信用社联合社改制而来，历经近5个月筹建，注册资金达104.58亿元，原省联社的全部债权债务将由新银行 承继。 作为贵州农村金融领域的"新主角"，贵州农商联合银行的业务范围主要对接地方金融需求。 贵州农村金融机构的发展历程可追溯至1952年，当时贵州省第一家农村信用社在遵义桐梓县元田乡挂牌成立。2003年，随着国务院深化农信社 改革推进，贵州在全国较早成立了省级农村信用社联合社，逐步形成了省联社管理全省农信机构的体制。 截至目前，贵州农信系统由省联社及辖内84家农商银行(农信联社)组成，拥有营业网点2293个，员工约2.8万人。截至2025年10月末，该系统资 产总额达11591亿元，存款和贷款规模也居全省银行业机构之首，是贵州省内业务规模最大、服务网络最广、从业人员最多的银行业金融机 贵州省财政厅出资15.72亿元，持股15.032%； 贵州金控(贵州贵民投资集团)出资68.86亿元，持股65.844%，为第一大股东； 中国贵州茅台（600 ...

当前，商业银行线下网点"瘦身"已趋于常态化。 农商行占比达八成 据金监总局官网"金融许可证信息"栏目，截至12月8日，共计6747家商业银行线下网点正式 退出，与去年退出的2533家相比大幅增加。 其中，当前最新退出的机构是广东清新农村商业银行股份有限公司浸潭中心分理处，批准日 期为2018年7月31日，发证日期为2021年12月22日，发证机关是清远分局，退出日期为今年 12月5日。 与此同时，今年第一家获批退出的是中原银行股份有限公司三门峡文博城支行，批准日期为 2014年12月23日，发证日期在2021年10月8日，发证机关为三门峡分局，退出日期为今年1月 2日。 | 机构类型 | 退出数量 | 退出数量 | 增减率 | | --- | --- | --- | --- | | | 截至2025年12月8日 | 截至2024年12月31日 | (%) | | 农商行 | 5446 | 1302 | 318. 28 | | 国有大行 | 692 | 644 | 7.45 | | 股份行 | 277 | 316 | (12. 34) | | 城商行 | 273 | 221 | 23. 53 | | 外资银行 ...

12月至今，贵州贵阳、六盘水、黔西南三地机构陆续通过股东大会决议，拟成立市（州）级农商行统一法 人；贵州毕节相关机构则将在12月8日审议有关组建毕节农商行统一法人的股东大会议案。 此外，11月28日至12月2日，四川遂宁、绵阳、眉山、宜宾、内江5个地级市分别组建市级统一法人农商行的计 划已经各参与方股东大会审议通过。 至此，四川仅有泸州尚未传出组建市级统一法人农商行的相关消息。值得一提的是，四川农商联合银行正加速 推进"省投市、市投县"战略，入股多家市级农商行，并成为其主要股东。 据券商中国记者统计，近年来，已有四川、新疆、云南、安徽、广西、贵州、湖南、青海等八省（区）陆续推 进地市统一法人农商行筹建工作。 广西农商联合银行董事长罗军刊文认为，推进组建地市级农商行将是未来进一步深化市县农合机构改革的重要 手段，整合重组工作遵守"先易后难、稳妥推进""先试点、再推广"的原则。 合并重组新消息 虽然同样计划组建市级统一法人农商行，但贵阳与六盘水、黔西南、毕节等其他市（州）存在显著差异。 根据公告，贵阳市级统一法人农商行将由贵阳农商行吸收合并乌当农商行等7家法人机构而来；其他三地则采 取新设合并方式组建。其中，新的 ...

Core Viewpoint - The establishment of Xianyang Rural Commercial Bank through the merger of Xianyang Qindu and Xianyang Weicheng Rural Commercial Banks represents a significant step in the reform of the rural financial system in Shaanxi Province, aiming to enhance resource allocation and risk management capabilities in the region [2][3][4]. Group 1: Merger and Establishment - Xianyang Qindu and Xianyang Weicheng Rural Commercial Banks have been approved for dissolution, with all their business and assets being inherited by Xianyang Rural Commercial Bank [2]. - The new bank has a registered capital of 1.705 billion yuan and is the third city-level rural commercial bank established in Shaanxi Province [2][4]. - As of the end of October, Xianyang Rural Commercial Bank reported total deposits of 42.593 billion yuan and total loans of 30.79 billion yuan [2][3]. Group 2: Reform Strategy - The merger is part of a broader strategy to consolidate regional financial resources and address systemic issues within the rural banking sector [3][5]. - The establishment of Xianyang Rural Commercial Bank is seen as a key achievement in the ongoing reform of the Shaanxi rural financial system, aimed at improving efficiency and service quality [3][4]. Group 3: Future Implications - The successful city-level integration is expected to lay the groundwork for future provincial-level reforms, reducing complexity and uncertainty in the process [6][7]. - Experts believe that a well-functioning city-level bank will contribute to the overall stability and strength of the future provincial rural commercial banking system [7].

当前，贵州农村商业联合银行股份有限公司（以下简称"贵州农商联合银行"）筹建工作正在 加速推进。 11月24日，贵州省人民政府网发布《省人民政府关于杨松等职务调整的通知》（以下简 称"《通知》"），该省人民政府同意组建贵州农商联合银行董事会、经营层班子，撤销贵州 省农村信用社联合社（以下简称"贵州省联社"）理事会、经营层；同意推荐杨松为贵州农商 联合银行董事、董事长人选；杨鸿钧为该行董事、副董事长、行长人选；李莉、张金禄、陈 杰、冯万华为该行副行长人选。 今年7月，贵州省联社发布公告称，将在贵州省联社基础上组建贵州农商联合银行，该行成 立后，原贵州省联社的业务、资产以及债权债务等权利义务均由该行承接。在此之前，浙 江、山西、四川、广西、江苏、江西六地省级农商联合银行均已开业。 贵州农商联合银行"呼之欲出"，首届领导班子公布 《通知》显示，贵州省人民政府同意，组建贵州农商联合银行董事会、经营层班子，撤销贵 州省联社理事会、经营层班子。 其中，推荐杨松为贵州农商联合银行董事、董事长人选；推荐杨鸿钧为该行董事、副董事 长、行长人选；推荐李莉、张金禄、陈杰、冯万华为该行副行长人选。 与此同时，公告还显示，杨松、杨鸿钧、 ...

Core Viewpoint - Henan Rural Commercial Bank has been approved to absorb and merge 82 institutions across 9 cities, transforming them into branches of the bank, while maintaining the validity of customer accounts and services [1][2]. Group 1: Merger Details - The 82 institutions include 78 rural banks and 4 village banks, specifically named [2]. - The merger is part of a broader reform strategy in Henan province, which aims to consolidate local financial institutions into a unified legal entity [2][3]. - The merger will allow Henan Rural Commercial Bank to inherit all assets, liabilities, and rights from the absorbed institutions [1]. Group 2: Institutional Background - As of April 2025, Henan Rural Commercial Bank is the largest provincial bank in terms of asset size, with total assets of 2.68 trillion yuan, deposits of 2.32 trillion yuan, and loans of 1.34 trillion yuan [3]. - The bank has a workforce of 44,400 employees and operates 4,233 branches, leading the market share in Henan's banking sector [3]. Group 3: Regulatory Context - The reform of the Henan provincial banking sector follows a "one province, one policy" approach, with a phased implementation strategy [2]. - The approval for the merger aligns with government initiatives to enhance the financial ecosystem in the region, including the restructuring of local banks and the management of non-performing assets [3][4].

Core Viewpoint - Henan Rural Commercial Bank has been approved to absorb and merge 82 institutions across 9 cities, transforming them into branches of the bank, which will maintain all existing customer services and contracts [2][4][10]. Summary by Sections Merger Details - The merger includes 78 rural banks and 4 village banks, specifically naming institutions such as Weishi Heyi Village Bank and Baofeng Yufeng Village Bank [4]. - The merger will allow Henan Rural Commercial Bank to inherit all assets, liabilities, and rights of the absorbed institutions, ensuring continuity for customers [2][10]. Reform Background - The reform of the Henan Provincial Association follows a "step-by-step" approach, transitioning from a joint bank model to a unified legal entity model [5]. - The approval for the reform plan was granted in October 2022, with the establishment of the Henan Rural Commercial Bank scheduled for February 2025 [5]. Current Status of Henan Rural Commercial Bank - As of April 2025, Henan Rural Commercial Bank will be the largest provincial-level bank in Henan, with total assets of 2.68 trillion yuan, deposits of 2.32 trillion yuan, and loans of 1.34 trillion yuan [5]. - The bank will have 112 county-level rural banks and over 4.44 million employees, with 4,233 branches [5]. Government Initiatives - The Henan Provincial Government has initiated policies to promote the restructuring of local financial institutions, aiming for a unified legal entity for Henan Rural Commercial Bank [6]. - Recent asset management company activities include the acquisition of non-performing assets from various rural banks, indicating a focus on improving the financial ecosystem in the region [6].

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]

Core Insights - Recent personnel adjustments at Shaanxi Rural Credit Cooperative Union (Shaanxi Union) have been approved, with multiple senior executives receiving their qualifications since July 2023 [1][2] - The reform plan for Shaanxi Union has been submitted, marking a critical phase in the reform process, with the new leadership expected to drive significant changes across the 92 institutions in the rural credit system [3][4] Executive Appointments - Zhang Hao has been approved as the Deputy Director of Shaanxi Union, having previously held various positions including Deputy General Manager of Risk Management [2] - Ma Honggang has been approved as the Chief Information Officer of Shaanxi Union, previously serving as Deputy Director [2] - Yang Bo and Wang Mingshun have also received approval for their respective roles within the organization [1][3] Reform and Governance - The reform plan aims to optimize the governance structure, focusing on service, technology, and risk control, while reducing direct control over specific business operations [3] - The governance framework will include a professional governance system and a layered supervision system to mitigate risks associated with centralized power [3][4] Financial Performance and Risk Management - Shaanxi Union has been actively addressing non-performing assets since 2022, with measures implemented to reduce the ratio of non-performing loans [4] - By the end of 2024, the cost-to-income ratio for rural cooperative institutions in Shaanxi is expected to decrease by 1.42 percentage points, indicating improved efficiency [5] - The capital adequacy ratio has increased by 0.45 percentage points, with all 92 institutions meeting regulatory requirements [5] Support for Agriculture and Small Enterprises - By the end of 2024, loans to agricultural and small enterprises are projected to account for 92.3% of the total loan portfolio, with significant growth in these sectors [6] - The average interest rate for new loans has decreased by 0.6 percentage points year-on-year, supporting the financial needs of private enterprises [6]