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].

智通财经记者 | 曾令俊 广东省联社成立于2005年，由广东省内农商行自愿入股组成，根据广东省政府授权，履行对辖内农商行 管理、指导、协调和服务职能的金融机构。 广东省农村信用联合社年报显示，截至2024年末，广东全省81家农商行总资产4.80万亿元，同比增长 3.79%；账面财务收入1605.59亿元、账面利润248.7亿元，同比分别下滑3.6%、14.7%，财务收入、账面 利润均连续两年下滑。 广东农信系统明确改革具体方向。 广东省联社最新披露的2024年年报明确表示："深入推进金融供给侧结构性改革。突出管理体制机制改 革……积极推动改制组建农商联合银行工作。"这是新一轮农信系统改革启动以来，广东首次对外透露 省联社改革的具体方向。 广东省内一农商行高管对智通财经记者表示，广东省内经济发展不均衡，珠三角地区与粤东西北地区金 融承载力差异显著，这种分散化格局要求改革模式既能整合资源，又能保留地方农商行的灵活性，联合 银行模式各方都比较容易接受，推行起来成本也比较低。 多个农商行脱离省联社 2017年，广东省委、省政府启动以全面组建农村商业银行化解风险为目标的农信改制攻坚改革。历经三 年，广东于2020年完成 ...