农村信用社改革

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河南农商银行再吸收合并82家机构,成立半年多累计整合已破百家
Hua Xia Shi Bao· 2025-09-29 09:53
Core Viewpoint - The Henan Rural Commercial Bank is advancing its reform by officially absorbing and merging 82 institutions, including rural commercial banks and village banks from nine cities, following a previous merger of 25 institutions earlier this year [2][4]. Group 1: Merger Details - The recent merger includes 78 rural commercial banks and 4 village banks, with the original institutions becoming branches of the Henan Rural Commercial Bank [4]. - After the completion of this merger, there will still be 34 rural commercial banks awaiting reform within the system [4]. - The bank's structure will consist of one provincial-level rural commercial bank and 112 city and county rural commercial banks by March 2025 [3][4]. Group 2: Reform Strategy - The reform strategy involves a phased and incremental approach to merging institutions, which is not unique to Henan, as similar strategies are being adopted in other provinces like Jilin [4][5]. - This approach allows for the gradual absorption of high-risk institutions, helping to prevent issues from spreading throughout the financial system [5]. Group 3: Asset Management Companies (AMCs) Involvement - Prior to the merger, local AMCs have been actively involved in the disposal of non-performing assets, with significant purchases made from various rural commercial banks [6][7]. - The total investment by local AMCs in acquiring non-performing assets amounts to 50.69 billion yuan [6]. - The involvement of AMCs is seen as beneficial for the merged institutions, allowing them to shed historical burdens and facilitating a smoother integration into the new banking structure [7][8].
两家组建农商联合银行的责任单位就农信改革等进行深入交流
Zheng Quan Ri Bao· 2025-07-21 07:16
本报记者郝飞 日前,贵州金融控股集团有限责任公司(以下简称"贵州金控集团")与贵州省农村信用社联合社(以下 简称"贵州省农信联社")围绕推进贵州农信改革、深化银企合作、协同服务全省经济社会发展等方面进 行深入交流。贵州金控集团党委书记、董事长胡凯,贵州省农信联社党委书记、理事长杨松出席座谈并 讲话。 科技部国家科技专家库专家周迪对《农村金融时报》记者表示,组建农商联合银行的责任单位可以从如 下几方面推进相关工作:一是共同制定组建方案,明确改革目标、组织架构、股权结构等核心要素,确 保改革方向与国家金融政策保持一致。二是建立常态化沟通机制,定期召开工作协调会,及时解决改革 过程中遇到的各类问题,确保各参与方形成合力。三是统筹协调各方资源,做好不良资产处置工作,为 农商联合银行组建创造良好条件。 新社汇平台联合创始人煜阳认为,组建农商联合银行的责任单位应共同推进新机构建立"三会一层"制 度,明确各治理主体的权责边界。同时,多渠道引入战略投资者,形成多元化股权结构,增强资本实力 与市场活力。 (文章来源:证券日报) 胡凯对杨松一行的到访表示欢迎。他表示,贵州金控集团与贵州省农信联社作为省属金融企业,在服务 全省经济 ...