继今年2月河南农商行正式成立后，河南地区农信系统改革再次迎来重大进展！ 9月28日，河南农商银行发布公告称，经国家金融监督管理总局河南监管局批准，该行正式 吸收合并开封、平顶山、安阳、焦作、三门峡、南阳、商丘、信阳、周口9市农商银行（农 信社）、村镇银行等共82家机构。 业内人士分析称，河南农商银行吸收合并82家机构，是本轮农信系统改革的重要举措之一。 这不仅体现了"一省一策"改革思路下的统一法人模式实践，也标志着河南省在整合地方金融 资源、优化金融生态、提升风险防控能力方面迈出了关键一步。 统一法人加速推进 河南农商银行吸收合并82家机构 据河南农商银行公告，此次吸收合并后，河南农商银行将承继82家机构全部资产、负债、业 务、人员、网点以及其他一切权利义务，原机构变更为河南农商银行的分支机构。客户所持 有的账户、卡、单、折、USBKEY和已合法签署的合同、协议等继续有效，各项服务保持不 变。 从"联合银行"到"统一法人" 至此，河南农商银行已完成郑州、新乡、濮阳、开封、平顶山、安阳、焦作、三门峡、南 阳、商丘、信阳、周口12个地级市及济源市的农商行（农信社）吸收合并工作。目前还有洛 阳、鹤壁、许昌、驻马店、 ...

9月28日，河南农村中小银行改革再迈出重要一步。 据河南农商银行官网发布，经国家金融监督管理总局河南监管局批准，河南农商银行正式吸收合并开封、平顶山、安阳等9个地市范围内的82家农商银行、 村镇银行。合并后，该行将承继这82家机构的全部资产、负债、业务、人员、网点以及其他一切权力，原机构变更为河南农商银行的分支机构，客户权益等 继续有效，各项服务保持不变。 此次大规模整合，是自今年2月河南农商银行正式成立以来，首度公开披露的大范围机构合并动作。中国邮政储蓄银行研究员娄飞鹏表示，"河南农商银行吸 收合并82家机构，是本轮农信系统改革的重要举措之一。这不仅体现了'一省一策'改革思路下的统一法人模式实践，也标志着河南省在整合地方金融资源、 优化金融生态、提升风险防控能力方面迈出了关键一步。" 2025年河南省政府工作报告中曾明确提出"加快金融改革发展，完成河南农商银行组建"，并将此项改革列为年度重点任务。随着此次82家地方机构并入，娄 飞鹏认为，河南农商银行的体系规模与网络覆盖将得到进一步扩展，从而更有效地支持农业、小微企业和县域经济的发展，实现"支农支小"的政策定位。 回溯河南农村中小银行的改革历程，其路径选择曾 ...

日前，国家金融监督管理总局官网发布《新疆金融监管局关于新疆北屯农商银行变更股权的批复》和 《新疆金融监管局关于新疆博湖农村商业银行变更股权的批复》，同意博乐农商银行按每股1元的价格 受让北屯农商银行285户自然人股东持有的9196万股股份。受让后博乐农商银行持有北屯农商银行9196 万股股份，持股比例为61.31%。同意博乐农商银行按每股1元的价格受让博湖农商银行141户自然人股 东持有的10290.51万股股份。受让后博乐农商银行持有博湖农商银行10290.51万股股份，持股比例为 69.26%。 受访专家表示，这种以股权为纽带的"省内帮扶"，本质上是农信系统内部资源的优化再配置，既让经营 稳健的农商银行发挥规模效应与经验优势，也为发展滞后的同业提供了"造血式"支持。 南京审计大学金融风险管理研究中心研究员杨小玲在接受《农村金融时报》记者采访时表示，农商银行 入股省内同业对后者长远发展有如下促进作用：一是可以提升资本实力与风险抵御能力，实现稳健经 营。二是优化公司治理结构，提升决策效率和专业化水平。三是促进业务协同与资源整合，发挥规模效 应。单一农信机构在科技投入、产品创新、跨区域服务等方面力量有限，股权联 ...

21世纪经济报道记者余纪昕 随着2025年中报季结束，9月一批未能对上半年财报"按时交卷"的发债企业浮出水面。 根据《上市公司信息披露管理办法》规定，半年报应当在每个会计年度的上半年结束之日起两个月内编制完成并披露，即每年 的7月1日至8月31日。 记者梳理公告发现，在48家未能按期披露半年报的发债主体中，多达15家发债人提到审计程序相关问题，这一"审计环节梗 阻"因素本次占到31.25%的比例。 具体理由包括：往年报告未完成审计披露、管理团队无法获取准确财务信息、审计范围扩大、未能聘请年报审计机构、发现半 年度财务数据问题需重新核定、需更多时间整理资料、财务岗位人员缺失，以及原审计机构解约后难以匹配新机构等理由。 经营不确定性因素亦是导致未能按时披露报告的主要原因之一。在48家发债主体中，有13家公告提及自身或关联方正进行债务 重组、合并重整、破产清算或重整计划执行等工作。 例如，中国民生投资股份有限公司（相关债券"18中民G2"）于8月29日公告称，因公司正全力进行债务重组等相关工作，预计 2025年半年度报告将晚于8月31日披露。就在上月，中国民生投资还公告称，因未能按期披露2023年年度报告，且至今仍 ...

值得一提的是，组建后的贵州农商联合银行也将成为继浙江农商联合银行、山西农商联合银行、广西农商联合银行、四川农商联合银行、江苏农商联合银 行、江西农商联合银行之后，全国的第七家农商行联合银行。 此外，吉林省也获批筹建吉林农商银行，全国各地的农信改革依然在火热进行中。 第七家农商联合银行 和过去六个省的农商联合银行筹建进程一样，贵州农商联合银行成立后，原贵州省联社的业务、资产，以及债权债务等权利义务均由贵州农商联合银行承 接。 官网显示，贵州农信由省联社及所辖84家农商银行（农信联社）组成，营业网点2293个，员工2.8万名，存款突破9229亿元，贷款突破7095亿元，已成为 省内业务规模最大、服务覆盖最广、从业人员最多的银行业金融机构。 | 贵州省农村信用社 | 关于我们 | 成员机构 | 人才招聘 | 下载中心 | | & 客服热线: 96688 | | | --- | --- | --- | --- | --- | --- | --- | --- | | 智慧生活 企业服务 | 个人服务 | | 信用卡 | 便民服务 | 电子银行 | 请输入搜索关键字 | 0 | | 您现在的位置: 首页 > 农信公告 | ...

Core Viewpoint - The establishment of the Guizhou Rural Commercial Union Bank is officially underway, aiming to enhance local financial institutions and support rural credit reforms in Guizhou province [1][3]. Group 1: Establishment and Structure - The Guizhou Rural Commercial Union Bank will be formed by canceling the legal status of the Guizhou Rural Credit Cooperative Union and establishing a new joint-stock company [3]. - The new bank will inherit all business, assets, and liabilities from the Guizhou Rural Credit Cooperative Union, pending approval from financial regulatory authorities [3]. - The establishment process will involve hiring qualified intermediaries for asset evaluation and financial audits [3]. Group 2: Financial Performance and Scale - Guizhou Rural Credit has a network of 2,293 branches and over 28,000 employees, with deposits exceeding 922.9 billion and loans surpassing 709.5 billion [4]. - The total assets of Guizhou Rural Credit exceeded 1 trillion, reaching 1,070.45 billion [4]. Group 3: Involvement of State-Owned Enterprises - Guizhou Financial Holding Group and Qiansheng State-owned Assets will play significant roles in the reform process [5][8]. - Guizhou Financial Holding Group, established in December 2016, operates across various financial sectors, including banking and asset management [6]. - Qiansheng State-owned Assets focuses on capital operation management and holds stakes in several companies, enhancing its financial capabilities [7]. Group 4: Reform Models and Trends - The joint bank model is seen as a cost-effective reform that maintains a multi-level governance structure, suitable for provinces with many quality rural commercial banks [9][10]. - The "upward participation" model allows the provincial bank to optimize the equity structure of rural financial institutions, improving governance [10]. Group 5: Broader Context of Rural Bank Reforms - Other provinces, such as Jilin, are also advancing their rural bank reforms, with Jilin Rural Commercial Bank's establishment approved recently [11][12]. - The trend of establishing provincial rural commercial banks is accelerating, with several banks already launched in 2024 [14]. - The Xinjiang region is also working towards establishing a unified rural commercial bank, aiming for completion by 2025 [15].

Core Viewpoint - The reform of the Jilin rural credit system is making significant progress, with the establishment of the Jilin Rural Commercial Bank expected to enhance its operational strength and support sustainable business development, ultimately reaching a capital of 40 billion yuan [2][5][10]. Group 1: Reform and Financial Support - The Jilin provincial government has issued 260 billion yuan in special bonds to support the development of small and medium-sized banks, with a total of 346 billion yuan allocated for the reform of the Jilin rural credit system [2][5]. - The Jilin Financial Holding Group is investing in the newly established Jilin Rural Commercial Bank to improve its capital adequacy and risk resistance [5][6]. - The special bonds have a 10-year term and an interest rate of 1.76%, marking the first issuance of such bonds in 2025 [6][7]. Group 2: Financial Performance and Market Position - As of the end of December 2023, the total assets of the Jilin rural credit system reached 1,007.24 billion yuan, with total liabilities of 953.59 billion yuan, reflecting increases of 53.77 billion yuan and 57.57 billion yuan respectively [10]. - The balance of various deposits was 790.31 billion yuan, up by 59.76 billion yuan, representing an 8.2% growth, while the balance of loans was 497.29 billion yuan, increasing by 17.45 billion yuan, or 3.6% [10]. - The market shares for deposits and loans in the Jilin rural credit system are 23.3% and 22.3%, respectively, making it the largest in the province [10]. Group 3: National Context and Future Outlook - If the reform proceeds smoothly, the Jilin Rural Commercial Bank may become the tenth provincial-level rural commercial bank established in the country [12]. - The reform model chosen by Jilin is the "unified legal person" model, which aims to consolidate operations and enhance risk management [12][14]. - Other provinces are also advancing their rural credit system reforms, with various models being implemented across the country [11][14].

Core Viewpoint - Jiangxi Rural Commercial Bank is advancing its "upward investment and downward support" model, with plans to acquire existing equity in local rural commercial banks, marking a significant step in its operational strategy [1][6]. Group 1: Background and Structure - Jiangxi Rural Commercial Bank was established from the Jiangxi Provincial Federation of Credit Cooperatives and adopted the "upward investment and downward support" model during its formation [2][3]. - The bank aims to enhance governance and risk management across its 85 subordinate rural commercial banks under the leadership of provincial authorities [3][4]. Group 2: Recent Developments - The annual shareholders' meeting of Yushan Rural Commercial Bank will discuss the proposal for Jiangxi Rural Commercial Bank to acquire existing equity, indicating the bank's first move towards investing in local rural banks [6][7]. - Several rural commercial banks in the province, including Yushan, are set to pursue capital increases and expansions, potentially paving the way for Jiangxi Rural Commercial Bank's investments [7]. Group 3: Financial Metrics - As of March 2025, Jiangxi Rural Commercial Bank's total assets across its rural banks reached approximately 1.4 trillion yuan, with deposits and loans exceeding 2.1 trillion yuan, making it the largest local financial institution in terms of network coverage and tax contributions [8]. Group 4: Broader Industry Context - The "upward investment and downward support" model has been implemented in other provinces, such as Guangxi, Sichuan, and Shanxi, where provincial rural commercial banks have begun investing in local rural financial institutions [11][14][17]. - The trend of mergers and restructuring in the banking sector is driven by the need for risk management and operational stability, with various provinces implementing tailored reform strategies [18][19].

Core Viewpoint - The reform of the agricultural credit system in Jilin Province has made significant progress with the issuance of special bonds to support the development of small and medium-sized banks, specifically aimed at enhancing the operational strength of the newly established Jilin Rural Commercial Bank [2][3][4] Group 1: Special Bonds Issuance - The issuance of the 2025 Jilin Province Government Special Bonds for Supporting Small and Medium-Sized Banks has concluded, with a total of 260 billion yuan issued [3][4] - The bonds have a term of 10 years and a coupon rate of 1.76%, marking the first issuance of special bonds for small and medium-sized banks in the country for 2025 [4] - The total amount of special bonds, including previously issued bonds, reaches 346 billion yuan, which will be allocated to Jilin Financial Holding Group to enhance the capital adequacy and risk resistance of Jilin Rural Commercial Bank [3][4] Group 2: Jilin Rural Commercial Bank - Following the reform, the expected capital of Jilin Rural Commercial Bank will reach 400 billion yuan, positioning it as a healthy and robust banking institution [5] - The bank is part of a larger system that includes 52 legal entities, with 39 rural commercial banks and 13 rural credit cooperatives, boasting a total asset of 10,072.4 billion yuan as of the end of 2023 [5] - The bank's deposit and loan balances have shown stable growth, with deposits increasing by 8.2% and loans by 3.6% compared to the beginning of the year [5] Group 3: Reform Models and Trends - Jilin Rural Commercial Bank is expected to become the tenth provincial-level rural commercial bank in the country, adopting a "unified legal person" model for its reform [7] - The unified legal person model aims to consolidate operations and enhance risk management, while the joint bank model maintains the two-tier legal structure [7] - Other regions are also advancing their agricultural credit system reforms, with several provinces planning to establish unified legal person rural commercial banks [6][7]

Core Insights - The reform of the rural credit system in Jilin Province is progressing, with plans to issue 26 billion yuan in special bonds to support the capital replenishment of Jilin Rural Commercial Bank [1][2] - The establishment of a unified legal entity for the rural credit system is aimed at enhancing risk management and capital allocation [2][4] Group 1: Financial Measures - Jilin Province plans to issue 26 billion yuan in special bonds with an estimated interest rate of 2.1% and a term of 10 years [1] - A total of 34.6 billion yuan will be allocated to Jilin Rural Commercial Bank to improve its capital adequacy and risk resistance [2] - The expected capital of the newly formed Jilin Rural Commercial Bank will reach 40 billion yuan, with Jilin Financial Holding Group participating in governance [2][3] Group 2: Reform Strategy - The reform aims to centralize resource allocation and risk management through the establishment of a provincial-level unified legal entity [2][4] - The strategy includes injecting capital through provincial financial platforms, attracting strategic investors, and issuing bonds to enhance risk resilience [4] - A comprehensive risk warning system will be established to monitor and address potential risks in real-time [4] Group 3: Organizational Structure - Jilin Financial Holding Group, established in 2015, plays a crucial role in the reform process, with total assets of 760 billion yuan [3] - The rural credit system in Jilin Province comprises 52 legal entities and nearly 1,700 outlets, employing 26,000 staff [5] - As of December 2023, the total assets of the rural credit system reached 1.01 trillion yuan, with total liabilities of 953.59 billion yuan [6]