每经记者|刘嘉魁 每经编辑|文多 日前，贵阳农村商业银行股份有限公司（以下简称"贵阳农商行"）发布公告，定于2025年12月1日召开 2025年第一次临时股东大会，核心议程是审议吸收合并贵州乌当、花溪等七家农信法人机构的系列议 案。 这标志着贵阳市级统一法人农商银行的改革工作进入实质性推进阶段。此次合并是贵州省深化农村信用 社改革、完善地方金融治理体系的关键落子，旨在通过整合区域金融资源，提升服务地方经济的能力。 改革蓝图：构建市级统一法人的农信体系 公告披露的十多项议案，详尽勾勒出本次改革的整体框架。合并对象包括贵州乌当农村商业银行、贵州 花溪农村商业银行、开阳县农村信用合作联社等七家法人机构。 此次改革并非简单"并表"，而是一次系统性重构。股东大会将审议可行性研究、实施小组组建、授权方 案和具体工作实施方案的一揽子计划，显示出改革的复杂性与周密性。 根据议案，改革实施小组将被赋予相应权限，负责推动整个合并进程。 成功合并后，新银行的资产规模、网点覆盖和业务总量将显著扩大，有望成为贵阳市乃至贵州省地方金 融体系中的重要支柱。统一的品牌、资本和管理，有助于提升市场信誉和竞争力。 "确定清产核资和资产评估基准日 ...

Core Viewpoint - Gansu Province is making significant progress in the establishment of a provincial rural commercial bank, transitioning from the initial plan of a "Gansu Rural Commercial Union Bank" to a unified legal entity model for the "Gansu Rural Commercial Bank" [1][2][4]. Group 1: Progress in Establishment - Gansu Jinchang Rural Commercial Bank and Gansu Yongchang Rural Commercial Bank announced temporary shareholder meetings to discuss the establishment of the Gansu Rural Commercial Bank [1][4]. - The Gansu rural financial institutions currently include 37 rural commercial banks, 5 rural cooperative banks, and 41 county-level cooperatives, covering 86% of administrative villages and 90% of farmers [1]. - The asset quality of Gansu's rural financial institutions has been inconsistent, with non-performing loan rates exceeding 6% for three consecutive years from 2019 to 2021 [1]. Group 2: Government Support and Reforms - In 2021 and 2022, Gansu issued special bonds of 12.6 billion and 30 billion yuan respectively to support the development of small and medium-sized banks [2]. - The 2023 government work report indicated a shift in focus towards the establishment of a unified legal entity model for the Gansu Rural Commercial Bank, moving away from the previously proposed union bank model [2][4]. - The Gansu Rural Credit Union's 2024 work report suggests that the reform plan is nearing approval, with 2025 marked as the year for the implementation of the reform [3]. Group 3: Reform Models and Trends - The unified legal entity model is seen as a more thorough reform approach, suitable for provinces with fewer legal entities and a higher level of economic development [6]. - Other provinces, such as Henan and Xinjiang, have also switched to the unified legal entity model, indicating a broader trend in regional financial reforms [8][11]. - The central government's focus on rural credit cooperative reform has been consistent, with multiple provinces successfully establishing new "trillion banks" [14].