Core Viewpoint - The Guangdong Rural Credit Cooperative Union (Guangdong Union) is undergoing significant personnel changes and accelerating reforms, including the establishment of rural commercial banks, as part of a broader initiative to enhance the financial system in the province [1][7]. Personnel Changes - Liu Peng has been approved to serve as the director of Guangdong Union, previously holding the position of deputy mayor in Jieyang City [1][3]. - The former director, Mai Yanthou, was promoted to chairman in October 2022, and the director position has remained vacant since then [6]. Reform Initiatives - The Guangdong Union's 2024 report emphasizes the need for management system reforms and the establishment of rural commercial banks, marking the first official announcement of this initiative since the start of the new round of rural credit system reforms [7]. - The Guangdong government has been actively promoting the reform of rural credit cooperatives, with a focus on enhancing financial service capabilities in economically weaker regions [8]. Financial Performance - As of the last report, the total assets of 81 rural commercial banks in Guangdong reached 4.8 trillion yuan, reflecting a year-on-year growth of 3.79%. However, financial income and profits have seen declines of 3.6% and 14.7%, respectively, marking two consecutive years of downturns [9]. Broader Context of Reform - The reform of rural credit cooperatives is being implemented across multiple provinces, with ten provinces having already made progress. These include Zhejiang, Liaoning, Shanxi, Sichuan, Guangxi, Hainan, Henan, Jiangsu, Jiangxi, and Inner Mongolia [10]. - Various provinces are adopting different models for reform, with many opting for the "joint bank" model, which is seen as cost-effective and preserves multi-level governance structures [11][12].

Core Viewpoint - The reform of rural credit cooperatives is accelerating across multiple regions in China, with Inner Mongolia's establishment of a unified legal entity rural commercial bank serving as a model for other areas [1][3]. Group 1: Reform Progress - Inner Mongolia Rural Commercial Bank officially opened on May 27, with a registered capital of 58.017 billion yuan [1]. - Various regions, including Zhejiang, Shanxi, Liaoning, Sichuan, Guangxi, and Hainan, have implemented reform plans for rural credit cooperatives [1][4]. - The reform approaches vary by region, with Inner Mongolia adopting a "one-step integration" model, while others like Liaoning and Henan are taking a phased approach [3][4]. Group 2: Shareholding Structure - Inner Mongolia Rural Commercial Bank has 27,700 natural person shareholders holding 19.01% of the total shares, while 145 legal entity shareholders hold 80.99% [2]. - Major shareholders include Inner Mongolia Financial Asset Management Co., Erdos Municipal Finance Bureau, and Inner Mongolia Autonomous Region Finance Department, each holding significant stakes [2]. Group 3: Challenges and Goals - The bank's chairman emphasized the need for substantial reforms in governance, risk management, and addressing historical issues [3]. - The lack of financial support for local risk management is a significant challenge, highlighting the need for effective capital injection and management [3][6]. - The overarching goal of the reforms is to enhance capital strength, improve governance mechanisms, and focus resources on rural revitalization [6][7]. Group 4: Implementation Difficulties - The implementation of a unified legal entity model faces challenges due to varying asset scales and quality among rural credit cooperatives [5][6]. - The reform aims to clarify the shareholding structure and governance systems while addressing the historical burdens of non-performing assets [6][7]. - Experts suggest that successful reform requires a focus on sustainable development, risk management, and digital transformation to meet rural financial needs [7].

【导读】内蒙古农商银行正式成立，注册资本超580亿元 天眼查显示，内蒙古农村商业银行股份有限公司（以下简称内蒙古农商银行）已于5月17日正式成立，法定代表人为刘丰，注册资本超580亿元，经营范围 为银行业务。 股东信息方面，该行由准格尔旗财政局、鄂尔多斯市财政局、内蒙古金融资产管理有限公司等多家公司共同持股。 | 统一社会信用代码 ① | 91150100MAEJEJQG40 | 企业名称 | 内蒙古农村商业银行股份有限公司 | | | | --- | --- | --- | --- | --- | --- | | 法定代表人 | 刘丰 | 登记状态 | 存续 | 成立日期 | 2025-05-17 | | | | 注册资本 | 5801707.4405万元 | 实缴资本 | | | 组织机构代码 | MAEJEJQG-4 | 工商注册号 | 155100036713210 | 纳税人识别号 | 91150100MAEJEJQG40 | | 企业类型 | 其他股份有限公司(非上市) | 营业期限 | 2025-05-17 至 2099-12-31 | 纳税人资质 | | | 人员规模 | | 参保人数 | | ...

近日，江西农商联合银行开业暨政银校企战略合作签约仪式举行。此外，经国家金融监督管理总局批 准，今年2月份，以新设合并方式组建的河南农商银行在郑州举行开业仪式。今年4月份，由省联社改制 而来的江苏农商联合银行挂牌成立。 今年以来，多家省级农信机构组建后陆续开业，意味着我国农信系统发展迈入新阶段，也为农村金融改 革夯实了基础。中小银行在展业中如何更好地满足涉农融资需求？如何防范信贷和管理风险？为此，记 者进行了调研。 改革重组 农信社改革是深化农村金融改革、推动金融服务实体经济高质量发展的重要驱动力。近年来，在国家金 融监督管理总局大力推动下，中小金融机构的改革化险工作稳步推进。 记者梳理发现，今年农信改革大潮中，联合银行和统一法人模式是改革的主流方向。"多元化改革模式 可以实现金融的人民性、普惠性，为乡村全面振兴注入金融动能。"中国人民大学中国普惠金融研究院 首席经济学家莫秀根认为，统一法人模式是风险化解与资源整合的关键路径。部分地区通过省级统一法 人农商银行模式，将分散的县级农信社整合为省级法人机构，集中处置不良资产。联合银行模式则在保 持县域法人地位的基础上，构建"小法人+大平台"的协同体系。部分地区采用该 ...