Core Viewpoint - The establishment of Gansu Rural Commercial Bank marks a significant step in the reform of the rural credit cooperative system in Gansu Province, transitioning into a new phase of implementation and acceleration [1] Group 1: Reform Strategy - The reform blueprint for Gansu's rural credit system has evolved, shifting from the initial goal of forming a Gansu Rural Commercial Union Bank to focusing on risk resolution and foundational strengthening [2] - By 2025, the reform focus will be on addressing historical issues of small financial institutions and improving the collection and disposal of non-performing assets [2] - The transition from a union model to a unified legal entity model is aimed at consolidating financial resources and enhancing overall capital strength and risk resistance [3] Group 2: Institutional Structure and Challenges - The Gansu rural financial system comprises 37 rural commercial banks, 5 rural cooperative banks, and 41 county-level associations, with over 21,000 employees and nearly 1,904 business outlets [3] - The integration of 83 legal entities into a single legal entity will help address historical non-performing assets and unify risk control standards, creating a safer financial environment [5] - Challenges include the complexity of integrating assets, liabilities, and operations of the 83 entities, as well as the ongoing task of resolving historical non-performing assets [6] Group 3: Financial Services Enhancement - The establishment of a provincial-level rural commercial bank is expected to enhance financial support for rural revitalization and the real economy, particularly in agriculture and small enterprises [6] - A unified digital platform will streamline service processes and reduce financing costs, ensuring that financial resources effectively reach grassroots farmers and small market entities [6] - The reform must maintain a focus on serving rural areas and small enterprises to avoid potential neglect of these sectors in favor of larger scale operations [6] Group 4: National Context - Gansu's reform is part of a broader trend in the national rural credit system, with 13 provinces having completed similar reforms, reflecting diverse approaches to risk management and resource efficiency [7] - The shift from a union bank model to a unified legal entity model in Gansu mirrors changes in other provinces, indicating that there is no one-size-fits-all solution in rural financial reform [7]

2月13日，国家金融监管总局发布批复，同意筹建甘肃农村商业银行股份有限公司（以下简称"甘肃农商银行"）。 值得一提的是，甘肃农商银行是2026年首家获批筹建的省级农商银行。 采用统一法人模式 根据批复，甘肃农商银行筹建工作小组应严格按照有关法律法规要求办理筹建事宜，自批复之日起6个月内完成筹建工作。筹 建期间接受甘肃金融监管局的监督指导。筹建工作完成后，按照有关规定和程序向甘肃金融监管局提出开业申请。 最新发布的2026年甘肃省政府工作报告也明确，该省将"巩固中小金融机构改革化险成果，组建运营甘肃农商银行"。 联合资信报告指出，统一法人模式适用于经济发展程度高或管理半径小、辖内法人机构不多的省份，这一改革模式有助于集 中省内金融资源、形成规模优势并提升管理水平。 资料显示，甘肃农信共有37家农村商业银行、5家农村合作银行、41家县级联社，21000多名从业人员，近1904个营业网点， 4582个（台）便民金融服务点和惠民服务终端，营业机构遍及城乡社区，覆盖了全省1229个乡镇、86%的行政村和90%的农牧 民，实现了"省、市、县、乡、村"五级普惠金融服务体系"全覆盖"。 多地农信改革开花结果 除甘肃外，新年伊 ...

券商中国记者曾在2025年3月报道，甘肃已切换改革路线，将推进筹建统一法人模式的"甘肃农商银行"。当地 个别机构也在年度工作会中明确，要"积极配合做好甘肃农商银行筹建"。 而在2026年省政府工作报告中，甘肃透露，过去一年"甘肃银行、省农信联社改革进展顺利"，并明确新的一 年"要巩固中小金融机构改革化险成果， 组建运营甘肃农商银行 "。 随着各省（自治区）2026年政府工作报告的发布，各地农信系统深化改革计划也逐渐清晰。 券商中国记者梳理发现，各地普遍表示将推进中小金融机构减量体制、改革化险。其中，甘肃明确2026年 要"组建运营甘肃农商银行"，云南将"稳妥有序组建云南农村商业银行"。 此外，部分省份积极做好改革重组"后半篇文章"。譬如，吉林表示要"支持吉林农商行深化改革、健康发展"， 贵州则将"稳妥推进市（州）农商银行组建"。 两地拟组建省级农商行 事实上，甘肃省曾在2023年政府工作报告提出"稳妥推进农信社改革，组建甘肃农商联合银行"。不过在随后两 年的政府工作报告中，"联合银行筹建"相关内容未再出现。 做好改革重组"后半篇文章" 毫无疑问，2025年是新一轮农信改革的提速年。 这一年，江苏、江西、贵州筹 ...

图源：云南省联社官网 观察员丨远航 审校丨王恒 云南省联社主任一职空缺一年后，有媒体证实，陈建军已调任云南省联社党委副书记，拟任省联社主任。 "准80后"陈建军，从政府到省联社 文轩财经了解到，陈建军出生于1979年8月，拥有硕士研究生学历，曾任国家开发银行评审管理部授信审批处处长。2022年9月，他调任玉溪市副市长，在 任三年多。 此次陈建军拟任云南省联社主任，是云南农信系统改革与省级农商行组建进程中的关键人事布局。陈建军复合金融背景有助于在省级农商行筹建中平衡政 策导向、风险管控与地方实际需求。 值得注意的是，陈建军并非唯一从金融系统调任地方政府的干部。 此前，国开行福建省分行客户七处处长兰发文调任曲靖市副市长，农业银行风险管理部综合管理处处长李兴卫调任保山市副市长，中信银行南昌分行金融 同业部总经理余巍调任大理州副州长，目前三人均在任。 云南是2026 年首个明确省联社改革落地路径的省份，根据近日云南省政府工作报告及省联社与省内行社联合公告，云南省正稳妥有序组建云南农村商业 银行，省内省联社及 122 家农信社州（市）、县（市、区）法人机构已全部履行内部法人治理程序，审议通过以新设合并方式组建云南农村商 ...

Core Viewpoint - The article highlights a series of high-profile investigations within the rural credit system in China, particularly focusing on the recent cases of corruption involving senior executives in the banking sector, indicating a strong anti-corruption stance by regulatory authorities. Group 1: Recent Investigations - Jiang Junwen, the Deputy Secretary of the Hunan Rural Credit Cooperative Union, was investigated for serious violations of discipline and law, marking a significant event in the rural credit system [1][2] - Wang Feng, Chairman of the Bozhou Yaodu Rural Commercial Bank, was also investigated on January 4, becoming the first bank chairman to be removed in 2026 [4] - Hu Jindong, former Chairman of the Wuzhong Rural Commercial Bank in Ningxia, was announced to be under investigation on the same day as Jiang Junwen [1] Group 2: Background of Key Figures - Jiang Junwen, born in the 1970s, has held various positions in the banking sector, including President of Huarong Xiangjiang Bank, before being appointed to the Hunan Rural Credit Cooperative Union [2] - Wang Feng, born in the 1970s, has a long history in the Anhui rural credit system, having served in various roles before becoming Chairman of the Bozhou Yaodu Rural Commercial Bank in 2022 [4][6] Group 3: Reform Initiatives - Both Hunan and Anhui provinces are actively pursuing reforms in their rural credit systems, with Hunan's Rural Credit Cooperative Union undergoing leadership changes and restructuring [7] - The Anhui province successfully launched a unified legal entity rural commercial bank, marking a significant step in its reform efforts [7] - The article notes that 2025 is expected to be a critical year for accelerating reforms in rural credit systems across various provinces, with several regions already establishing new banking entities [8]

日前举行的贵州省深化农村信用社改革新闻发布会上，官方明确，全省农信系统将形成"1家农商联合银 行+9家市（州）农商银行"的新型两级法人架构。根据改革方案，新成立的贵州农商联合银行作为省级 平台，将自上而下注资，推进9家市（州）农商银行的组建工作。 据悉，贵州农商联合银行下辖84家机构，截至2025年11月末，全省农信系统资产规模1.17万亿元。 1月7日，贵州农商联合银行在成立后首次面向社会公开招聘中层管理人员，正式启动报名程序。岗位包 括3名市（州）农商银行行长及5名副行长。记者了解到，此次招聘正是为即将组建的市（州）一级农商 银行配备管理人才。 "1+9" 省市两级法人架构 来源：华夏时报 贵州农信改革向深，将构建"1+9"省市两级法人架构。 改革逐步推进中 2026年伊始，贵州农商联合银行发布公告，启动组建以来首次面向社会公开招聘中层管理人员。 2025年，贵州农信改革提速，省级农商联合银行的组建工作紧锣密鼓推进。 当年11月11日，贵州农商联合银行获国家金融监督管理总局批准筹建，12月9日获批开业。据该行透 露，从申请筹建到获批开业仅用了41个工作日，创下全国省级机构获批最快纪录。 12月25日，贵州 ...

Group 1 - The People's Bank of China has announced a revised classification and rating management method for non-bank payment institutions, effective from February 1, 2026, marking a shift towards precise classification and differentiated regulatory measures in the industry [1] - Yunnan Province has decided to integrate 123 institutions to establish a provincial rural commercial bank, making it the first province to clarify its rural credit reform direction for 2026 [2] - Six provincial rural commercial banks using the "upper reference, lower participation" model have completed their first round of equity participation, indicating a new phase in the equity structure layout of these banks [3] Group 2 - The public fund fee reform has concluded, with major banks actively exploring customized Fund of Funds (FOF) products, indicating intensified competition in the fund sales sector [4] - Banks are increasingly investing in Real Estate Investment Trusts (REITs) as part of their "fixed income plus" strategy, becoming significant participants in the market [5] - Ping An Life has increased its stake in Agricultural Bank of China H-shares to over 20%, reflecting institutional confidence in large bank H-shares [6] Group 3 - Industrial and Commercial Bank of China has raised the risk rating for its accumulation gold product, allowing only balanced investors to participate, reflecting a more stringent approach to risk management in precious metals [7] - Qinghai Bank has received approval to increase its registered capital to 3.205 billion yuan, enhancing its capital strength for future business expansion [8] - Guangxi Guokong has acquired nearly 70% of the shares in Liuzhou Bank, marking a significant shift in the bank's ownership structure from local to provincial state-owned control [9] Group 4 - The auction of 30.6 million shares of Langfang Bank has seen no bidders, continuing a trend of unsuccessful auctions, raising concerns about the bank's equity stability and operational resilience [10]

Core Viewpoint - The establishment of Yunnan Rural Commercial Bank marks a significant step in the reform of rural financial institutions in Yunnan Province, with the formal initiation of the provincial-level rural commercial bank's establishment process [1][2]. Group 1 - A joint announcement was made by the Yunnan Rural Commercial Bank preparatory working group, Yunnan Provincial Rural Credit Cooperative Union, and 122 rural credit cooperatives in the province, confirming the approval of the establishment of Yunnan Rural Commercial Bank through a new merger [1][2]. - The involved 123 institutions have complied with internal governance procedures and have formed resolutions to establish the provincial-level rural commercial bank through a new merger [2]. - All business operations, assets, debts, and other rights and obligations of the involved institutions will be legally inherited by the newly established Yunnan Rural Commercial Bank [2].

又一地方农信系统改革传来大消息。 1月5日，云南省联社及省内122家农商行、农信社发布联合公告称，已分别审议通过了以新设合并方式 组建"云南农村商业银行股份有限公司"(下称"云南农商银行")的相关事项并形成决议。 这是2026年首个明确农信改革方向的省份。此前，云南省联社着力做好"一省一策"改革各项筹备工作， 积极推进新一批州(市)法人农商行改革组建。最新公告则显示，云南将进一步组建省级农商行。 值得一提的是，此番改革之前，近年来云南农信系统屡掀反腐风暴。其中，2024年、2025年云南农信系 统分别有15名、8名中高层官宣落马。 云南拟组建省级农商行 曾推进州市统一法人改革 组建省级农商行前，云南农信系统曾积极推进州(市)法人农商行组建工作。 其中，迪庆农商行、怒江农商行已于2022年底相继挂牌开业，成为云南省首批州市统一法人农商行。以 新设合并方式组建的德宏农商行，也在2024年11月揭牌开业。 根据上述公告，云南省联社和省内122家农信社州(市)、县(市、区)法人机构已依法合规分别履行内部法 人治理程序，审议通过了以新设合并方式组建云南农商银行的相关事项并形成决议。 上述123家涉改机构将以新设合并方式 ...

Core Viewpoint - Guizhou Rural Commercial Bank has been approved to commence operations, with a registered capital of 10.458 billion RMB, and significant shareholding from Guizhou Moutai and Guizhou Financial Holdings [1][2]. Shareholding Structure - Guizhou Provincial Finance Department contributed 1.572 billion RMB, holding 15.032% of shares - Guizhou Financial Holdings contributed 6.886 billion RMB, holding 65.844% of shares - Guizhou Moutai contributed 1 billion RMB, holding 9.562% of shares - Guizhou Qiansheng State-owned Assets Management contributed 1 billion RMB, holding 9.562% of shares [1][2]. Bank Formation and Leadership - The establishment of Guizhou Rural Commercial Bank was approved following the termination of the original Guizhou Provincial Rural Credit Cooperative Union, with all debts and credits transferred to the new bank - The first leadership team includes Yang Song as Chairman and Yang Hongjun as Vice Chairman and President [2]. Rapid Development - The bank's establishment process took less than a year, indicating a swift development [3]. Banking Model - The "Joint Bank" model was adopted for the reform, allowing provincial banks to control county-level banks while retaining their legal status, which is seen as a cost-effective and flexible approach [4][5]. Asset Scale - Guizhou Rural Commercial Bank is expected to become the first bank in Guizhou with assets exceeding 1 trillion RMB, with the provincial rural credit system's total assets reaching 1.1591 trillion RMB by October 2025, showing a significant increase since 2020 [6].