各地农信社改革不断传来新进展。 11月20日，《国际金融报》记者梳理贵州农信社各成员机构官网公告发现，当前贵州省下属的6个设区 市及3个自治州中，已有贵阳市、六盘水市、毕节市和黔西南布依族苗族自治州（下称"黔西南州"）四 地正式推进成立市级统一法人农商行。 与此同时，各地银行"村改分""村改支"的消息也不断传来。专家指出，从"先急后缓""先易后难"的改革 进程来看，预计未来中小金融机构风险化解将逐步进入改革"深水区"。 组建市级统一法人农商行 11月19日，黔西南州的兴义农商行发布公告，宣布将于12月5日召开第二十七次股东大会（临时会 议）。公告中明确指出，会议主要审议贵州兴义农村商业银行股份有限公司等13家机构拟采取新设合并 方式，组建黔西南农村商业银行股份有限公司（名称暂定）的有关议题。 同日，该自治州的兴仁农商行也宣布将召开股东大会，审议《组建贵州黔西南农村商业银行股份有限公 司可行性研究报告》和关于解散贵州兴仁农村商业银行股份有限公司等16项相关议案。 公开信息显示，7月29日，贵州省宣布正式启动贵州农商联合银行的筹建工作。记者注意到，今年10月 31日，贵州农信官微曾发文称，将"统筹推进深化农村信用 ...

全国第六家省级统一法人农商行来了！ 近日，国家金融监督管理总局发布公告称，正式核准新疆农村商业银行股份有限公司（以下 简称"新疆农商银行"）筹建，此意味着，全国第六家、西北地区首家省级统一法人农商银行 即将落地运营，前面五家分别为辽宁农商银行、海南农商银行、河南农商银行、吉林农商银 行和内蒙古农商银行。与此同时，该行亦是年内第六家获批筹建的省级农商行。 值得一提的是，新疆农商银行以新设合并方式组建，开业后资产规模将超过7000亿元。此 前，新疆农信方面表示，将力争在11月底实现挂牌开业。 新疆农商行获批筹建， 开业后资产规模将超7000亿 11月7日，国家金融监督管理总局发布关于筹建新疆农商银行的批复，经审核，同意筹建该 行。同时，监管指出，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。 此外，筹建期间接受新疆金融监管局的监督指导。筹建工作完成后，应按照有关规定和程序 向新疆金融监管局提出开业申请，由新疆金融监管局依法依规按程序办理开业审批事项，批 复时间为10月31日。 事实上，今年1月发布的2024年国家金融监督管理总局工作综述，便披露了"新疆组建全区统 一法人农 ...

Group 1 - Xinjiang Rural Commercial Bank has been approved for establishment as of October 31, 2023, marking it as the sixth provincial-level rural commercial bank in China [1][2] - The establishment process must be completed within six months from the approval date, followed by an application for opening to the Xinjiang Financial Regulatory Bureau [2] - The reform of rural credit cooperatives in Xinjiang has accelerated in 2023, with plans for a unified legal entity rural commercial bank across the region [2][3] Group 2 - The first unified legal entity rural commercial bank in Xinjiang, Aksu Tarim Rural Commercial Bank, is set to open in December 2023 with an asset scale exceeding 90 billion [2] - Other banks, including Xinjiang Kizilsu Rural Commercial Bank and Hetian Rural Commercial Bank, are scheduled to open in 2024 with asset scales of over 7 billion and 26.3 billion respectively [2] - The total asset scale of the new Xinjiang Rural Commercial Bank is projected to exceed 700 billion, aiming for clear ownership, sound governance, and effective financial risk control [3]

Core Points - Xinjiang Rural Commercial Bank has been approved for establishment, marking Xinjiang as the sixth province to establish a provincial-level rural commercial bank in China [2][3] - The establishment work must be completed within six months from the approval date, followed by an application for opening to the Xinjiang Financial Regulatory Bureau [3] - The reform of rural credit cooperatives in Xinjiang has accelerated in 2023, with several unified legal entity rural commercial banks being established [3][4] Summary by Sections Establishment Approval - Xinjiang Rural Commercial Bank received approval for establishment on October 31, 2023, becoming the sixth province to do so [2] - The establishment team is required to follow legal regulations and complete the setup within six months [3] Progress of Rural Credit Cooperatives Reform - In 2023, Xinjiang has been advancing the reform of rural credit cooperatives, with the first unified legal entity rural commercial bank, Aksu Tarim Rural Commercial Bank, opening in December 2023, boasting an asset scale exceeding 90 billion [3] - By September 2024, Xinjiang Kizilsu Rural Commercial Bank will open with assets over 7 billion, followed by Hetian and Kashgar Rural Commercial Banks in December 2024, with asset scales of 26.3 billion and 71.2 billion respectively [3] Future Plans and Goals - The plan for a unified legal entity rural commercial bank in Xinjiang was approved in January 2023, with a goal to complete the establishment tasks by 2025 [3][4] - The Xinjiang Rural Credit Cooperative Union aims to refine the reform plan, ensuring a clear organizational structure and efficient management post-establishment [4] - Once operational, Xinjiang Rural Commercial Bank is expected to have an asset scale exceeding 700 billion, characterized by clear ownership, sound governance, and effective financial risk management [4]

Core Viewpoint - The establishment of Xinjiang Rural Commercial Bank marks a significant step in the reform of rural financial institutions in Xinjiang, making it the sixth province in China to approve the establishment of a provincial-level rural commercial bank [1] Group 1: Establishment and Reform Progress - Xinjiang has adopted a step-by-step approach to deepen the reform of rural credit cooperatives, with a clear reform path [1] - The first city-level unified legal person rural commercial bank, Aksu Talimu Rural Commercial Bank, will be inaugurated in December 2023, formed by merging five rural commercial banks and three rural credit cooperatives [1] - The Xinjiang Kizilsu Rural Commercial Bank will be officially established in September 2024 through a similar merger of four rural credit cooperatives [1] Group 2: Financial Performance and Goals - As of June 2025, the total loans of Xinjiang Rural Credit Cooperatives are projected to reach 477.9 billion yuan, with agricultural loans accounting for 241.9 billion yuan [2] - The coverage rate of loans to farmers exceeds 60%, and loans to small and micro enterprises total 267.3 billion yuan [2] - The county-level rural credit system's loans constitute over 65% of the total loans from local financial institutions, highlighting its role in supporting agriculture, rural revitalization, and local economic development [2]

Regulatory Voice - The People's Bank of China announced a 600 billion yuan reverse repurchase operation to stabilize liquidity, indicating a continued moderate easing monetary policy approach [1] Industry Focus - Several banks have raised the minimum purchase threshold for gold investment and issued risk warnings due to rising international gold prices amid increasing market risks [3] - Multiple banks are cleaning up long-term inactive accounts to prevent financial risks such as fraud and money laundering, while also improving operational efficiency [4] Corporate Dynamics - Bohai Bank plans to publicly transfer 69.833 billion yuan in debt assets, marking a significant move as it has already disposed of over 100 billion yuan in problem assets within a year [6] - HSBC Holdings has proposed to privatize Hang Seng Bank at a price of 155 Hong Kong dollars per share, with an estimated total valuation of approximately 290.305 billion Hong Kong dollars for all issued shares [7][8] - Agricultural Bank of China is integrating over 190 rural commercial bank branches in Jilin, continuing the reform of rural credit cooperatives with the involvement of state-owned banks [5]

Core Viewpoint - The transformation of Inner Mongolia Rural Commercial Bank represents a significant milestone in the reform of rural credit cooperatives in China, showcasing a successful model of resource integration and risk mitigation through the "unified legal person model" [4][5][12]. Group 1: Historical Context and Transformation - Inner Mongolia Rural Commercial Bank was established through the merger of 121 rural cooperative institutions and local village banks, marking a shift from a fragmented structure to a unified legal entity [5][6]. - The bank's history dates back to 1954, evolving from a "backpack bank" model to a modern financial institution that serves over 500,000 residents in the Yuyuan District of Hohhot [2][3]. Group 2: Reform Characteristics - The reform is characterized by the "Five Ones": a top-level design that was completed in one go, all participants involved, risk mitigation resources in place, central-local collaboration, and consistent regulatory guidance [5][6]. - The bank's total assets reached 849.86 billion yuan, with total liabilities of 791.94 billion yuan and total equity of 57.91 billion yuan as of August [7]. Group 3: Organizational Structure and Management - The bank has adopted a three-tiered organizational structure consisting of a central bank, regional audit centers, and numerous local branches, enhancing operational efficiency and risk management [8][9]. - A comprehensive risk management system has been established, addressing past weaknesses and ensuring better control over credit risks [9][10]. Group 4: Focus on Agricultural and Small Business Financing - The bank prioritizes agricultural financing, with over 70% of new loans directed towards rural and agricultural sectors, and has a current agricultural loan balance exceeding 220.9 billion yuan [12][13]. - The bank aims to support key industries such as dairy, corn, and meat sheep, with plans to increase related loans by over 10 billion yuan by 2025 [12][13]. Group 5: Service Improvement and Client Response - The bank has introduced over 40 standardized financial products to meet the diverse needs of farmers, small businesses, and individual entrepreneurs [14]. - The bank's responsiveness has improved significantly, as evidenced by its rapid assistance to clients affected by natural disasters, demonstrating a commitment to customer service [15][16]. Group 6: Future Outlook - The ongoing reforms are expected to enhance the bank's governance and operational capabilities, contributing to the stability of the financial system and supporting the healthy development of the real economy [17].

Core Viewpoint - The ongoing reform of village banks in China is expected to accelerate mergers and consolidations, particularly as they align with the reforms of rural credit cooperatives, raising questions about the future development and differentiation of village banks [1] Group 1: Current Status and Trends - As of mid-2024, there are over 1,600 village banks operating across 31 provinces in China, employing more than 100,000 personnel, indicating a robust organizational structure [2] - The overall operational status of village banks is stable and improving, with controllable risks, although significant polarization remains evident within the sector [2] Group 2: Reform Objectives and Impacts - The primary goal of the village bank reform is to mitigate risks by restructuring and merging high-risk institutions, which is expected to reduce the number of village banks while enhancing the overall risk management capabilities [3] - Some provinces have adopted a "one-size-fits-all" approach, merging all village banks into larger commercial or rural banks regardless of their performance, which may not be the most effective strategy [3] Group 3: Predictions and Industry Ecology - The "village bank to branch" reform model is suitable for high-risk village banks, but indiscriminate merging based solely on the parent bank's characteristics is not advisable [4] - Post-reform, village banks are anticipated to optimize governance and strengthen their overall capabilities, leading to the emergence of a number of high-quality, specialized village banks [4] Group 4: Challenges and Recommendations - A significant challenge in the reform process is the "one-size-fits-all" policy adopted by some provinces, which could hinder the effectiveness of the reforms [5] - Merging stable and well-managed village banks with nearby counterparts is suggested as a viable option to maintain the village bank identity while addressing risks and enhancing strength [5] Group 5: Differentiation and Management - Village banks that have performed well and provided effective services to small and micro enterprises are likely to retain their competitive advantages post-merger, as their local knowledge and flexibility are difficult to replicate [6] - The parent banks should consider granting autonomy to well-performing village banks, respecting their independence while ensuring effective resource allocation and risk management [7]

Core Points - The recent approval for the establishment of Shanxi Rural Commercial Bank marks a significant advancement in the reform of rural credit cooperatives in China, following similar approvals for banks in Liaoning and Henan [1][2] - The reforms are being implemented under a "one province, one policy" approach, tailored to local conditions, with the aim of enhancing market competitiveness and supporting local economic development [1][4] Group 1: Recent Developments - The establishment of Shanxi Rural Commercial Bank was approved on August 7, following the approval of Liaoning and Henan banks on August 4 [2] - The total assets of the Shanxi rural credit system reached 1.71 trillion yuan, with deposits of 1.28 trillion yuan and loans of 801.16 billion yuan as of March 2023 [2] Group 2: Reform Implementation - The reform of rural credit cooperatives is accelerating, with various provinces adopting different paths, such as the establishment of Hainan Rural Commercial Bank and the initiation of a unified legal entity bank in Xinjiang [3][4] - The regulatory framework emphasizes the need to clarify the roles and responsibilities of provincial credit cooperatives, aiming to resolve issues related to unclear functions and responsibilities [4] Group 3: Reform Models - The current reform models include unified legal provincial rural commercial banks, financial service companies, financial holding companies, and provincial rural commercial banks [4] - The model of transforming provincial credit cooperatives into provincial rural commercial banks is seen as an optimized approach to enhance service capabilities while maintaining dual legal status [4][5] Group 4: Future Directions - Future reforms should focus on improving internal governance mechanisms, establishing new development frameworks, and addressing risk management, including the handling of existing risks and exploring capital replenishment tools [5]

Core Viewpoint - The establishment of Gansu Rural Commercial Bank is progressing significantly, with announcements from Gansu Jinchang Rural Commercial Bank and Gansu Yongchang Rural Commercial Bank regarding a temporary shareholders' meeting to discuss the formation of the bank [1][3]. Group 1: Background and Context - Gansu Province has 37 rural commercial banks, 5 rural cooperative banks, and 41 county-level cooperatives, covering 1229 towns, 86% of administrative villages, and 90% of farmers [2]. - The province's banking sector has faced challenges, with non-performing loan rates exceeding 6% from 2019 to 2021 [2]. - In 2021 and 2022, Gansu issued special bonds of 12.6 billion and 30 billion respectively to support the development of small and medium-sized banks [2]. Group 2: Reform Initiatives - The Gansu government initially proposed the establishment of Gansu Rural Commercial Union Bank in its 2023 work report, but later shifted to a unified legal entity model for Gansu Rural Commercial Bank [2][3]. - The 2024 work report indicates that the reform plan is nearing approval, with a focus on developing a five-year plan and risk management strategies for the new bank [3]. Group 3: Comparative Analysis - Other provinces like Henan and Xinjiang have also shifted to a unified legal entity model for their rural banks, with Henan's new bank opening in February 2023 [5][6]. - The unified legal entity model is seen as a more comprehensive reform approach, suitable for regions with fewer banking institutions, while the union bank model is considered less costly and preserves multi-level governance [4][7]. Group 4: Broader Industry Trends - The banking sector is experiencing a wave of mergers and restructuring, driven by the need for risk management and regional financial reform [7]. - Several provinces have successfully established provincial rural commercial banks, while others are in the process of forming unified legal entity banks [8].