【导读】陕西两家银行同日获批解散，农信系统改革不断提速 据批复信息，咸阳农商银行的注册资本为17.05亿元人民币，在股权结构方面，核准该行股权结构为法 人股东42户，合计持有118412.78万股，持股比例为69.45%；自然人股东有1273户，合计持有52087.22 万股，持股比例为30.55%。 财报数据显示，截至2023年末，秦都农商银行资产总额为231.79亿元，各项存款余额为200.11亿元，各 项贷款余额为140.46亿元；渭城农商银行资产总额为170.69亿元，存款余额为145.97亿元，贷款余额为 109.75亿元。 2024年以来，全国已有多个地级市的农信机构加快整合节奏，通过新设合并、吸收合并等模式推进区域 农信资源重组。据悉，咸阳农商银行成立后，将成为继榆林农商银行、汉中农商银行后，陕西省成立的 第三家地市级农商银行。 在业内人士看来，咸阳农商银行这种"新设合并"成立方式，能够彻底打破原有机构的行政区域壁垒和管 理体制束缚，从零构建统一的公司治理架构、风险管理体系和服务标准，适合区域内原有机构规模相 当、业务互补性强的地区，整合后可快速形成协同效应，避免内部竞争内耗。 截至2024年末 ...

【导读】陕西两家银行同日获批解散，农信系统改革不断提速 2024年以来，全国已有多个地级市的农信机构加快整合节奏，通过新设合并、吸收合并等模式推进区域 农信资源重组。据悉，咸阳农商银行成立后，将成为继榆林农商银行、汉中农商银行后，陕西省成立的 第三家地市级农商银行。 在业内人士看来，咸阳农商银行这种"新设合并"成立方式，能够彻底打破原有机构的行政区域壁垒和管 理体制束缚，从零构建统一的公司治理架构、风险管理体系和服务标准，适合区域内原有机构规模相 当、业务互补性强的地区，整合后可快速形成协同效应，避免内部竞争内耗。 截至2024年末，陕西农信系统资产总额达1.14万亿元，管理服务92家县级法人机构。 据悉，今年6月，经陕西金融监管局批复，同意秦都农商银行和渭城农商银行以新设合并方式筹建咸阳 农商银行，并要求筹建工作小组于6个月内完成筹建工作。 同时，9月26日，咸阳金融监管分局发布《关于陕西咸阳农村商业银行股份有限公司开业的批复》，同 意咸阳农商银行开业，同意咸阳农商银行秦都支行等51个分支机构开业，并接受国家金融监督管理总局 派出机构的属地监督管理。 据批复信息，咸阳农商银行的注册资本为17.05亿元人民币 ...

自国有大行"收编"网点之后，吉林农信机构的改革再度迎来新进展。 11月24日，九台农商银行公告在收盘后正式退市，就此告别征战了近9年的港股市场，成为首家从港股 退市的农商行。 自国有大行"收编"网点之后，吉林农信机构的改革再度迎来新进展。11月24日，九台农商银行公告在收 盘... 退市半年多前，该行已于3月12日停牌，股价也定格在了彼时的每股0.41港元。 2023年，九台农商行业绩承压，营收、净利出现"双降"，其中利润跌幅超过9成； 截至目前，该行仍未公示2024年与2025年中期业绩，仅通过预告透露公司在两个报告期内均出现亏损， 额度分别为17-19亿元、8.98亿元。 该行表示，退市可节省合规及相关成本，将资源重新分配至业务运营，为调整留出空间。 九台农商行的新东家，是由省财政厅控股的吉林金控，目前已持有吉林银行、吉林农商行、吉林信托等 多家当地金融机构。 今年7月初，吉林金控发出九台农商行H股全面现金要约，对H股、内资股收购价分别为每股0.70港元、 0.63元人民币，H股较停牌时溢价7成左右。 3个月后，吉林监管局批复九台农商行股权变更通知，吉林金控持股比例达75.22%。 因吉林金控在当地农信改 ...

新疆农商银行于今日召开成立大会暨第一次股东会，这标志着全国第六家、西北地区首家省级统一法人农商银行成立，新疆农信系统历时数年的深化改 "新疆发布"消息显示，新疆农商银行将承继新疆农村信用社联合社及55家行社原有业务、资产及债权债务等权利义务，资产规模超过7000亿元。 【导读】获批筹建不到一个月，新疆农商银行召开成立大会暨第一次股东会 11月25日，据"新疆发布"公众号消息，新疆农村商业银行股份有限公司（以下简称新疆农商银行）成立大会暨第一次股东会在乌鲁木齐市召开。 一个月前刚获批同意筹建 10月31日，国家金融监督管理总局正式批复同意筹建新疆农商银行，要求其筹建工作小组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。 今年年初，新疆农村信用社统一法人改革方案获国家批复。随后，"积极筹建新疆农商银行"被写入新疆维吾尔自治区政府工作报告，被列为2025年重点 工作。同时，为确保改革顺利推进，新疆还采取了"先试点、再推广"的策略。 3月份，新疆农商银行筹建工作小组等机构发布组建公告，其中提到新疆农村信用社等56家新疆农信法人机构已分别履行内部公司治理程序，召开会议 审议通过以新设合并方式 ...

今年年初，新疆农村信用社统一法人改革方案获国家批复。随后，"积极筹建新疆农商银行"被写入新疆维吾尔自治区政府工作报告，被列为2025年重点 工作。同时，为确保改革顺利推进，新疆还采取了"先试点、再推广"的策略。 【导读】获批筹建不到一个月，新疆农商银行召开成立大会暨第一次股东会 11月25日，据"新疆发布"公众号消息，新疆农村商业银行股份有限公司（以下简称新疆农商银行）成立大会暨第一次股东会在乌鲁木齐市召开。 一个月前刚获批同意筹建 10月31日，国家金融监督管理总局正式批复同意筹建新疆农商银行，要求其筹建工作小组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。 新疆农商银行于今日召开成立大会暨第一次股东会，这标志着全国第六家、西北地区首家省级统一法人农商银行成立，新疆农信系统历时数年的深化改 革也迎来关键里程碑。在此之前，辽宁、海南、河南、内蒙古、吉林等省（区）已先一步获批筹建省级农商银行。 "新疆发布"消息显示，新疆农商银行将承继新疆农村信用社联合社及55家行社原有业务、资产及债权债务等权利义务，资产规模超过7000亿元。 3月份，新疆农商银行筹建工作小组等机构发布组建公告，其中 ...

一个月前刚获批同意筹建 10 月 31 日，国家金融监督管理总局正式批复同意筹建新疆农商银行，要求其筹建工作小组 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。 新疆农商银行于今日召开成立大会暨第一次股东会，这标志着全国第六家、西北地区首家省 级统一法人农商银行成立，新疆农信系统历时数年的深化改革也迎来关键里程碑。在此之 前，辽宁、海南、河南、内蒙古、吉林等省（区）已先一步获批筹建省级农商银行。 【 导读 】 获批筹建不到一个月，新疆农商银行召开成立大会暨第一次股东会 中国基金报记者 马嘉昕 11 月 25 日，据 " 新疆发布 " 公众号消息，新疆农村商业银行股份有限公司（以下简称新 疆农商银行）成立大会暨第一次股东会在乌鲁木齐市召开。 " 新疆发布 " 消息显示，新疆农商银行将承继新疆农村信用社联合社及 55 家行社原有业 务、资产及债权债务等权利义务，资产规模超过 7000 亿元。 今年年初，新疆农村信用社统一法人改革方案获国家批复。随后， " 积极筹建新疆农商银行 " 被写入新疆维吾尔自治区政府工作报告，被列为 2025 年重点工作。同时，为确保改革顺 利推进，新疆还采取 ...

Core Viewpoint - The establishment of Xinjiang Rural Commercial Bank marks a significant reform in the rural credit system, transitioning from a "provincial association" model to a "unified legal entity" model, with expected total assets exceeding 700 billion yuan [1][4]. Group 1: Reform Overview - The approval for the establishment of Xinjiang Rural Commercial Bank was granted by the National Financial Supervision Administration, requiring completion of the setup within six months [1]. - Xinjiang becomes the sixth province to implement the "provincial rural commercial bank" model, following Liaoning, Hainan, Henan, Inner Mongolia, and Jilin [1]. - The reform aims to enhance governance structure, shorten decision-making chains, and improve operational efficiency to better adapt to modern financial market competition and regulatory requirements [2][4]. Group 2: Historical Context and Progress - The reform process began in September 2022, focusing on a step-by-step strategy that included innovative equity restructuring to lay a solid foundation for the establishment of a provincial unified legal entity bank [2]. - The first step involved the establishment of a unified legal entity at the regional level, with the opening of Aksu Tarim Rural Commercial Bank in December 2023, achieving an asset scale of over 90 billion yuan [2]. - Subsequent reforms accelerated, with the formation of other regional banks, indicating a comprehensive coverage of unified legal entities across southern Xinjiang by December 2024 [2]. Group 3: Challenges and Considerations - The unique challenge for Xinjiang's unified legal entity bank is the vast geographical area, which demands high management and service capabilities [4]. - The reform has established a foundation for the unified legal entity bank, but there are concerns about the integration of newly formed institutions and the potential for operational strain [4][5]. - Key considerations during the reform include ensuring continuity in business development and customer service, as well as emphasizing risk prevention to avoid new risks arising from the integration process [5]. Group 4: Broader Implications - The reform of Xinjiang's rural credit system reflects a broader trend in China's rural financial system, which is moving away from a single model to a more diversified approach [5]. - The transition from provincial associations to unified legal entities is expected to enhance regional risk management and service efficiency, reinforcing the role of rural financial institutions in supporting agriculture, small and micro enterprises, and local economic development [5][6].

Core Points - The establishment of Xinjiang Rural Commercial Bank has been officially approved, marking the sixth and the first provincial-level rural commercial bank in Northwest China [1] - The reform of the rural credit system in Xinjiang is entering a comprehensive implementation phase, with the goal of achieving the bank's opening by the end of November 2023 [1][4] - The asset scale of Xinjiang Rural Commercial Bank is projected to exceed 700 billion yuan upon its opening [2] Summary by Sections Reform Progress - The reform of the rural credit system in Xinjiang has accelerated since 2023, with several unified legal entity rural commercial banks established in southern Xinjiang regions [4] - Prior to the establishment of Xinjiang Rural Commercial Bank, the rural credit system had already completed the establishment of unified legal entity banks in four southern prefectures [4] Future Goals - Xinjiang Rural Credit cooperatives have set ambitious operational goals for 2025, emphasizing the importance of the bank's timely opening and smooth transition from old to new institutions [1] - The leadership has reiterated the commitment to achieving annual targets and ensuring compliance with all procedural requirements [1]

Core Insights - The reform of China's rural financial system has entered a new phase, with significant integration efforts by state-owned banks, particularly the Agricultural Bank of China, which has recently been approved to incorporate 192 branches from rural commercial banks and credit cooperatives [2][5][6] Group 1: Integration of Rural Financial Institutions - In the past month, the Agricultural Bank of China has received approval to rename and integrate 192 branches from various rural financial institutions, marking a critical step in enhancing the stability of local financial resources [2][5] - The integration includes branches from banks such as Yanbian Rural Commercial Bank and Jilin Longjing Rural Commercial Bank, which have been renamed to reflect their new affiliation with the Agricultural Bank [3][4] - This consolidation is part of a broader trend where state-owned banks are actively participating in the restructuring of local rural financial systems, with over ten provinces implementing reform plans since 2022 [5][6] Group 2: Role of State-Owned Banks - State-owned banks are transitioning from traditional minority shareholding to deeper integration through full ownership and operational control, which is seen as a core strategy for risk mitigation and system restructuring [6][7] - The "village to branch" model has emerged as a primary method for state-owned banks to engage in the reform of local small banks, allowing for rapid expansion of service networks and stabilization of regional financial order [6][7] - As of mid-2025, the Agricultural Bank of China had 22,900 domestic branches, including various rural banks under its control, indicating a significant expansion of its operational footprint [7] Group 3: Overall Impact on the Banking Sector - Since 2025, over 300 small and medium-sized banks have been dissolved, merged, or deregistered, reflecting a significant contraction in the banking sector [8] - The number of village banks in China has decreased to 1,440 by mid-2025, down by 98 from the end of 2024, highlighting the ongoing consolidation trend within the rural banking landscape [8]

Core Viewpoint - The restructuring of rural financial institutions into branches of major state-owned banks marks a significant step in the reform of China's rural financial system, aimed at enhancing financial stability and addressing risks in smaller banks [1][6][9]. Group 1: Institutional Changes - 102 rural financial institutions have been renamed as branches of Agricultural Bank of China, with several other state-owned banks also acquiring rural banks, initiating the "village to branch" transformation [1][3]. - The restructuring includes the transfer of assets and liabilities from local rural banks to Agricultural Bank, which is seen as a critical move in the reform process [5][7]. - The changes involve various rural commercial banks and credit cooperatives, with the aim of consolidating resources and improving risk management capabilities [3][5]. Group 2: Impact on Financial Stability - The reform aims to centralize resources and enhance the capital strength and risk resistance of the rural financial system, with state-owned banks playing a crucial role in maintaining financial stability [6][9]. - The acquisition of rural banks by major banks is expected to improve the management and operational capabilities of these institutions, thereby increasing their resilience to financial risks [7][9]. Group 3: Competitive Landscape - The entry of major banks into the rural financial market through the "village to branch" model is likely to intensify competition for smaller banks, potentially leading to a decline in market share and profit margins for these institutions [13][14]. - The transformation is expected to enhance the credibility of financial services in rural areas, shifting customer trust from local banks to state-owned banks, which may attract clients away from smaller institutions [14].