中小银行最新评级结果陆续出炉。 证券时报·券商中国记者注意到，最近两个月内，已有合计9家中小银行主体信用评级获上调，其中包括7家城商行，以及2家资产规模靠前的农商行。 就评级上调原因看，前述银行普遍受益于区域经济发展，通过改革化险、强化资本实力等举措赢得评级认可。多家银行还完成大规模增资扩股，并获地方国 资增持。 与此同时，年内合计4家小型农商行主体评级被下调，另有多家中小银行评级报告延迟披露，均为年报未公布，但具体原因各不相同。 按照要求，有债券存续的商业银行，评级机构应当每年至少向市场公布一次定期跟踪评级报告，且应在其年报发布截止日期3个月内出具。 增资、增持的作用 在对中小银行评级的过程中，资本实力与地方政府支持力度往往被评级机构纳入重要考量。 在9家获上调评级的银行中，汉口银行、秦皇岛银行均在去年完成增资，日照银行以利润转增股本推动实收资本增加4.5亿元，武汉农商行则在去年底获批定 向募股不超过7.71亿股。 | | | 今年以来主体评级获上调的银行 | | | | | --- | --- | --- | --- | --- | --- | | 银行名称 | 评级机构 | 评级调整日 | 最新主体评级 ...

Core Viewpoint - The Guangdong rural credit system is undergoing significant reform, with a focus on establishing rural commercial banks and enhancing management mechanisms, as outlined in the 2024 annual report of the Guangdong Provincial Association [1][2]. Group 1: Reform Direction and Structure - The Guangdong rural credit system has adopted a "1+7" market structure, where several rural commercial banks have transitioned from provincial management to local government oversight between 2021 and 2022 [2]. - The Guangdong Provincial Government has emphasized accelerating the reform of the provincial rural credit union and supporting the establishment of unified local rural commercial banks in regions with weaker financial capacities [2][4]. - The 2024 annual report from the Guangdong Provincial Association indicates a commitment to management reform and the establishment of rural commercial banks by 2025 [1][2]. Group 2: Leadership Changes - In February 2023, Liu Peng was appointed as the deputy secretary of the provincial association, while the former director, Mai Yanhou, was promoted to secretary of the provincial association [3]. - Liu Peng has a background in regulatory roles within the banking sector and has contributed significantly to financial reforms in the region [3]. Group 3: National Trends in Banking Reform - There is a nationwide trend of merging and restructuring banks to enhance risk management and operational stability, with several provinces implementing their own reform plans [4][5]. - The establishment of unified rural commercial banks has been noted in various provinces, including Zhejiang, Shanxi, and others, with significant progress made in 2023 [4][5]. - The unified legal entity model is being adopted in regions with fewer banking institutions, aiming to consolidate financial resources and create scale advantages [5][6]. Group 4: Regional Developments - Multiple provinces, including Hubei and Guizhou, have outlined plans to establish rural commercial banks, indicating a broader commitment to reform across the country [6][7]. - In Anhui, the merger of local banks has marked the successful implementation of unified legal entity reforms [8]. - Regions such as Yunnan and Guangxi are also advancing plans to establish unified rural commercial banks, reflecting a trend towards regional consolidation [8][9].