农商联合银行模式

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农商联合银行阵营扩大 多地省联社改革现新进展
Zhong Guo Zheng Quan Bao· 2025-06-10 20:52
Core Viewpoint - The reform of rural commercial banks in Guangdong Province aims to enhance capital strength and risk management capabilities while transitioning to a new banking model, specifically the establishment of rural commercial joint banks [1][3][5]. Group 1: Leadership Changes - Liu Peng has been appointed as the new director and vice-chairman of the Guangdong Rural Credit Cooperative Union, previously serving as the deputy mayor of Jieyang City [2]. - The former director, Mai Yanthou, has been promoted to the position of party secretary of the union [2]. Group 2: Financial Performance - As of the end of 2024, the total assets of 81 rural commercial banks in Guangdong (excluding Shenzhen) reached 4.8 trillion yuan, with total deposits amounting to 3.75 trillion yuan [2]. - The union reported a pre-provision profit of 462.97 billion yuan and a net profit of 242.85 billion yuan for 2024 [2]. Group 3: Reform Progress - The Guangdong Rural Credit Cooperative Union is actively promoting the establishment of rural commercial joint banks as part of its 2025 development plan, focusing on management reforms and risk mitigation [3][4]. - Other provinces, including Inner Mongolia, Hainan, and Jiangxi, have also made significant progress in reforming their rural credit systems, leading to the emergence of several new trillion-yuan banks [4][5]. Group 4: Reform Models - The reform models for provincial credit cooperatives include establishing unified legal entities for rural commercial banks, transforming into financial holding companies, and forming provincial rural commercial joint banks [5]. - The rural commercial joint bank model is noted for its low reform costs and the ability to maintain the legal status of subordinate rural credit institutions, facilitating a smooth transition [5]. Group 5: Future Directions - Experts suggest that the future of rural credit reform should focus on sustainable development through specialized services and sound management rather than mere scale expansion [6].
广东农信系统首次透露改革方向,为何选择农商联合银行模式?
Xin Lang Cai Jing· 2025-05-07 09:35
Core Viewpoint - Guangdong's rural credit system is undergoing significant reform, focusing on financial supply-side structural reform and the establishment of rural commercial banks through a joint banking model [1][2]. Group 1: Reform Direction - The Guangdong Provincial Association has disclosed its specific reform direction for 2024, emphasizing the need for management system reforms and the promotion of joint banking models [1]. - The reform aims to address the uneven economic development within Guangdong, particularly the financial capacity disparities between the Pearl River Delta and the eastern and northern regions [1][2]. Group 2: Historical Context - The reform initiative began in 2017, with the goal of transforming rural credit cooperatives into rural commercial banks, which was completed by 2020 with 64 cooperatives restructured [2]. - Several rural commercial banks, including those in Shenzhen and Guangzhou, have separated from the provincial association and are now directly managed by local governments [2]. Group 3: Current Financial Status - As of the end of 2024, Guangdong's 81 rural commercial banks reported total assets of 4.80 trillion yuan, a year-on-year increase of 3.79%, while financial income and profits have declined for two consecutive years [3]. Group 4: Joint Banking Model - The joint banking model is currently the predominant reform approach, allowing for the retention of independent legal status for local credit institutions while minimizing restructuring costs [4][5]. - This model is seen as beneficial for enhancing the development of individual banks and is characterized by lower resistance to reform [5]. Group 5: Future Considerations - The specific structure and operational focus of the Guangdong joint banking model remain to be clarified, particularly regarding management coordination and financial service innovation [5].