4月8日，由省联社改制而来的江苏农商联合银行挂牌成立，4月9日，北京商报记者注意到，在开业后， 原江苏省农村信用社联合社官网已更名为江苏农商联合银行。 官网介绍显示，江苏农商联合银行履行全江苏省农村商业银行行业治理和风险管理职责，并受托行使省 内农村商业银行国有金融资本管理职责。截至2025年2月末，全江苏省农商行系统共有60家农商行、 3368个营业网点、1.64万个便民金融服务点和5.4万余名员工，是江苏省内金融机构中资产规模最大、网 点覆盖最广、服务客群最多的金融机构。全江苏省农商行系统资产总额4.98万亿元，存、贷款余额分别 为4.06万亿元和3.18万亿元，存贷款余额均居江苏省内银行业首位。 胡建斌介绍，聚焦"要做什么？不能做什么？"的问题，江苏省政府进一步细化了农商联合银行履职边 界，以清单式列明正负面履职事项，淡化行政管理，增强服务功能。同时一体推进做小做散、风险防 控、大零售战略、数字化转型以及新一代科技系统建设等工程。积极探寻撬动金融服务与市场经营的着 力点，创造条件努力争取更多业务资质，培育各具特色、错位竞争、生态多元的新型农村金融供给。 （文章来源：北京商报） 江苏农商联合银行党委书记、 ...

Core Points - Jiangsu Rural Commercial Bank officially approved for operation with a registered capital of 7.7 billion yuan [2][3] - The bank is led by experienced professionals from Huatai Securities, with Hu Jianbin as Chairman and Yin Lihong as President [1][3] - The bank's establishment marks a significant milestone in Jiangsu's financial reform, aimed at enhancing services for agriculture and small to medium-sized enterprises [9] Group 1: Bank Establishment - Jiangsu Rural Commercial Bank was approved for operation on March 28, 2024, just 10 days after its founding conference [1] - The bank has a registered capital of 7.7 billion yuan, with major shareholders including Jiangsu Provincial Finance Department and Jiangsu Phoenix Publishing Media Group [2] - The bank's business scope includes interbank fund adjustment, participation in the money market, and government bond transactions [2] Group 2: Leadership and Management - The first leadership team includes Hu Jianbin as Chairman and Yin Lihong as President, both with extensive backgrounds in the financial sector [3][4] - The management structure is designed as "one chairman and three vice presidents," with three vice presidents appointed [3] - Hu Jianbin has over 14 years of experience in the securities industry, while Yin Lihong has significant banking management experience [4][5] Group 3: Financial System Context - Jiangsu Rural Commercial Bank is positioned as the largest rural commercial bank in China, with total assets in the Jiangsu rural banking system reaching 4.75 trillion yuan [6] - The establishment of the bank is part of a broader reform of the rural credit system in Jiangsu, which has progressed rapidly over the past six months [7][8] - The bank aims to enhance financial services for the agricultural sector and small enterprises, contributing to high-quality economic development [9]

Core Viewpoint - The establishment of Inner Mongolia Rural Commercial Bank has been approved by the National Financial Supervision and Administration, with a six-month timeline for completion of the setup process [1][2]. Group 1: Establishment and Timeline - The approval for the establishment of Inner Mongolia Rural Commercial Bank was granted on March 14, with a requirement to complete the setup within six months [1]. - The preparatory team for the bank held its second meeting on March 13, emphasizing the importance of meeting key milestones and ensuring timely operations [1][2]. Group 2: Preparatory Work - The preparatory work includes a comprehensive breakdown of non-performing asset packages, ensuring all necessary requirements for opening are met, and enhancing legal awareness and compliance [2]. - The bank's establishment is part of a broader reform strategy, with the Inner Mongolia Rural Credit Cooperative Union and 93 local financial institutions having approved the merger to form the new bank by September 2024 [2]. Group 3: Financial Context - As of the end of 2023, the total asset scale of the Inner Mongolia rural financial system is 841.8 billion, with deposits totaling 672.1 billion and loans amounting to 436.1 billion [4]. - The establishment of Inner Mongolia Rural Commercial Bank will create another provincial-level bank with nearly one trillion in assets, enhancing the integration of financial resources in the region [4]. Group 4: Broader Industry Trends - The reform in Inner Mongolia follows a trend where other regions, such as Gansu and Xinjiang, are also transitioning to a unified legal entity model for their rural financial institutions [4][5]. - The shift from a joint bank model to a unified legal entity model is seen as a more thorough reform approach, aimed at better supporting the local economy [4].

Core Viewpoint - The reform of provincial credit cooperatives has accelerated since 2025, with multiple provinces establishing new rural commercial banks, indicating a significant shift in the rural financial landscape and the emergence of "new trillion banks" [1][7][8]. Reform Progress - As of February 28, 2025, several provincial credit cooperatives have been approved or established, including Jiangsu, Jiangxi, and Henan, with the latter two officially founded within a month of approval [1][6]. - The reform has been implemented in 10 provinces, including Zhejiang, Shanxi, and Sichuan, with many rural financial institutions exceeding one trillion yuan in assets [1][7]. Asset Scale - The asset totals for various provincial rural commercial banks as of the end of 2024 include: - Zhejiang: 6 trillion yuan - Sichuan: 2.4 trillion yuan - Henan: 2.58 trillion yuan - Jiangxi: 1.3 trillion yuan - Guangxi: 1.37 trillion yuan [2][8]. Reform Models - The reform paths include the rural commercial bank model, unified legal person model, financial holding company model, and financial service company model, with most provinces adopting the first two [9][10]. - The "provincial rural commercial bank" model retains a single provincial legal entity, while the "provincial rural commercial bank" model maintains independent legal status for local banks, allowing for more localized flexibility [9][10]. Challenges and Considerations - The reform faces challenges such as balancing risk mitigation with grassroots service needs, and the complexity of integrating numerous local institutions [3][17]. - The historical context of rural credit cooperatives, which have evolved from non-profit mutual aid organizations to commercial entities, adds layers of complexity to the current reform efforts [13][14]. Future Directions - The reform aims to clarify ownership structures, improve governance, and enhance the operational efficiency of rural financial institutions [17][18]. - Ongoing efforts include capital supplementation, bad debt management, and strengthening regulatory oversight to ensure sustainable financial operations [18][19].