当前，贵州农村商业联合银行股份有限公司（以下简称"贵州农商联合银行"）筹建工作正在 加速推进。 11月24日，贵州省人民政府网发布《省人民政府关于杨松等职务调整的通知》（以下简 称"《通知》"），该省人民政府同意组建贵州农商联合银行董事会、经营层班子，撤销贵州 省农村信用社联合社（以下简称"贵州省联社"）理事会、经营层；同意推荐杨松为贵州农商 联合银行董事、董事长人选；杨鸿钧为该行董事、副董事长、行长人选；李莉、张金禄、陈 杰、冯万华为该行副行长人选。 今年7月，贵州省联社发布公告称，将在贵州省联社基础上组建贵州农商联合银行，该行成 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该行承接。在此之前，浙 江、山西、四川、广西、江苏、江西六地省级农商联合银行均已开业。 贵州农商联合银行"呼之欲出"，首届领导班子公布 《通知》显示，贵州省人民政府同意，组建贵州农商联合银行董事会、经营层班子，撤销贵 州省联社理事会、经营层班子。 其中，推荐杨松为贵州农商联合银行董事、董事长人选；推荐杨鸿钧为该行董事、副董事 长、行长人选；推荐李莉、张金禄、陈杰、冯万华为该行副行长人选。 与此同时，公告还显示，杨松、杨鸿钧、 ...

金融圈大消息！ 【导读】河南农商银行获批吸收合并9市82家机构，原机构变更为分支机构 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，河南农村商业银行股份有限公司（以下简称河南农商银行）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。 此次吸收合并的82家机构，包括78家行社（银行和农信社）及4家村镇银行。其中，村镇银行分别为尉氏合益村镇银行、宝丰豫丰村镇银行、灵宝融丰村 镇银行、汝州玉川村镇银行。 近年来，各地省联社改革持续推进。按照"一省一策"的原则，各省联社改革路径主要分为组建省级农商行的统一法人模式和组建农商联合银行的两级法人 模式。 其中，河南省联社改革采取了"分步走"的方式，即先采用联合银行模式后又改制为统一法人模式：2022年10月，河南省联社改革方案获得原银保监会批 复；2023年8月，河南农商联合银行获批筹建；2024年11月，河南农商联合银行挂牌开业；2025年2月，河南农商银行获批筹建、开业。 同在2025年2月，河南农商银行发布公告称，经国家金融监督管理总局批准，河南农村商业联合银行和郑州、新乡 ...

【导读】河南农商银行获批吸收合并9市82家机构，原机构变更为分支机构 中国基金报记者 晨曦 金融圈大消息！ 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，河南农村商业银行股份有限公司（以下简称河南农商银 行）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。 河南农商银行表示，吸收合并后，该行将承继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。 此次吸收合并的82家机构，包括78家行社（银行和农信社）及4家村镇银行。其中，村镇银行分别为尉氏合益村镇银行、宝丰豫丰村镇银 行、灵宝融丰村镇银行、汝州玉川村镇银行。 近年来，各地省联社改革持续推进。按照"一省一策"的原则，各省联社改革路径主要分为组建省级农商行的统一法人模式和组建农商联合 银行的两级法人模式。 其中，河南省联社改革采取了"分步走"的方式，即先采用联合银行模式后又改制为统一法人模式：2022年10月，河南省联社 ...

Group 1 - Jilin Rural Commercial Bank has been approved for establishment with a registered capital of 34.628 billion yuan, primarily funded by Jilin Financial Holding Group at 99.92% [2][5] - The bank will operate 13 branches across various cities, including Changchun and Siping, and will be supervised by local financial regulatory authorities [2][3] - The management team consists of 23 approved members, with a structure of one chairman and four vice presidents, many of whom are from the Jilin Provincial Credit Union [6][7] Group 2 - The bank's business scope includes accepting public deposits, issuing loans, conducting domestic and international settlements, and providing various financial services [3] - The establishment of Jilin Rural Commercial Bank is part of a broader trend where 11 provincial credit unions have transitioned into provincial rural commercial banks or joint banks across several provinces [9][10] - The bank aims to become the strongest local financial institution in terms of capital, service range, and support for agriculture and small enterprises in the province [5][4] Group 3 - The bank has eliminated the supervisory board structure, opting for an audit committee to fulfill its oversight responsibilities, aligning with recent regulatory changes [8] - The establishment of a Chief Compliance Officer position reflects the increasing focus on compliance within financial institutions, following regulatory mandates [7][8] - The ongoing reforms in rural financial institutions are seen as a shift from risk mitigation to sustainable development as the sector matures [10]

Core Viewpoint - The reform of Guizhou Rural Credit Cooperatives has entered a substantive phase with the establishment of Guizhou Rural Commercial United Bank, which will inherit the rights and obligations of the original Guizhou Provincial Cooperative [1] Group 1: Establishment of Guizhou Rural Commercial United Bank - Guizhou Provincial Cooperative announced the formation of Guizhou Rural Commercial United Bank, which will take over the business, assets, and debts of the original cooperative [1] - The establishment process will be carried out in steps, including asset evaluation and the handling of member capital according to a resolution passed by the member assembly [1] Group 2: Collaboration with State-Owned Enterprises - Guizhou Provincial Cooperative has engaged in discussions with Guizhou Financial Holding Group and Qiansheng State-Owned Assets Management Company to enhance cooperation and support for the reform [2] - The discussions focused on market-oriented reforms, financial collaboration, and support in areas such as capital injection and non-performing asset management [2] Group 3: Government Support and Responsibility - The Guizhou government has outlined the responsibility for the establishment of the bank in its work report, emphasizing the need for local financial institutions to strengthen and optimize [3] - Various government bodies, including the Provincial Financial Office and the Provincial State-Owned Assets Supervision and Administration Commission, are involved in the reform process [3] Group 4: Technological Advancements - The reform framework emphasizes the advantages of a commercial bank model, particularly in leveraging financial technology [4] - Guizhou Provincial Cooperative has initiated multiple technology projects, including AI model applications and infrastructure upgrades, to enhance its technological capabilities [4][5] Group 5: Impact on the Financial Ecosystem - The reform is expected to optimize the coordination of technological resources, reduce redundant investments, and enable the issuance of special bonds for technology funding [5] - Guizhou Provincial Cooperative oversees 84 rural commercial banks, with a network of 2,293 branches and significant deposit and loan volumes, playing a crucial role in supporting local economic development [5]

Core Insights - Recent personnel adjustments at Shaanxi Rural Credit Cooperative Union (Shaanxi Union) have been approved, with multiple senior executives receiving their qualifications since July 2023 [1][2] - The reform plan for Shaanxi Union has been submitted, marking a critical phase in the reform process, with the new leadership expected to drive significant changes across the 92 institutions in the rural credit system [3][4] Executive Appointments - Zhang Hao has been approved as the Deputy Director of Shaanxi Union, having previously held various positions including Deputy General Manager of Risk Management [2] - Ma Honggang has been approved as the Chief Information Officer of Shaanxi Union, previously serving as Deputy Director [2] - Yang Bo and Wang Mingshun have also received approval for their respective roles within the organization [1][3] Reform and Governance - The reform plan aims to optimize the governance structure, focusing on service, technology, and risk control, while reducing direct control over specific business operations [3] - The governance framework will include a professional governance system and a layered supervision system to mitigate risks associated with centralized power [3][4] Financial Performance and Risk Management - Shaanxi Union has been actively addressing non-performing assets since 2022, with measures implemented to reduce the ratio of non-performing loans [4] - By the end of 2024, the cost-to-income ratio for rural cooperative institutions in Shaanxi is expected to decrease by 1.42 percentage points, indicating improved efficiency [5] - The capital adequacy ratio has increased by 0.45 percentage points, with all 92 institutions meeting regulatory requirements [5] Support for Agriculture and Small Enterprises - By the end of 2024, loans to agricultural and small enterprises are projected to account for 92.3% of the total loan portfolio, with significant growth in these sectors [6] - The average interest rate for new loans has decreased by 0.6 percentage points year-on-year, supporting the financial needs of private enterprises [6]

Core Viewpoint - The establishment of Guizhou Rural Commercial Bank marks a significant step in the reform of rural credit cooperatives in China, aiming to enhance financial stability and efficiency in the region [1][2][4]. Group 1: Establishment and Background - Guizhou Rural Commercial Bank is being established based on the Guizhou Provincial Credit Union, with the authority to assume all rights and obligations of the former organization [2][3]. - The reform plan for Guizhou's rural credit system has been in discussion since 2021, with a focus on improving local financial regulatory frameworks and risk management [2][4]. - The Guizhou Provincial Government has outlined specific responsibilities for various financial regulatory bodies to ensure the successful establishment of the new bank [2][3]. Group 2: Reform Progress and Models - The reform of rural credit institutions is accelerating across various provinces, with several new rural commercial banks being established under different models, including unified legal entities and joint banks [4][5]. - The unified legal entity model has gained popularity, as seen in provinces like Jilin, while other regions have opted for the joint bank model [4][5]. - The timeline for establishing these banks has shortened significantly, with some provinces completing the process in as little as three months [4][5]. Group 3: Impacts on Financial System - The restructuring of rural credit institutions is expected to improve credit ratings, optimize governance structures, and broaden financing channels, thereby reducing operational costs and risk exposure [5][6]. - The reforms are facilitating the clearing of non-performing assets and the consolidation of inefficient institutions, leading to a more efficient allocation of financial resources [6][7]. - Enhanced capital strength and product innovation capabilities of the newly formed banks will support rural revitalization and local economic development, particularly in serving agriculture, small enterprises, and infrastructure projects [6][7]. Group 4: Challenges and Recommendations - Despite the positive outcomes of the reforms, there are still underlying issues related to institutional frameworks and legal support that need to be addressed [7]. - The need for rural credit institutions to adapt to changing market conditions and improve their governance and risk management practices is emphasized [7]. - Continuous efforts in digital transformation and talent development are crucial for enhancing the resilience and effectiveness of these financial institutions [7].

Group 1 - The core viewpoint of the articles revolves around the reform of rural credit cooperatives in Guizhou, specifically the establishment of Guizhou Rural Commercial Bank, which will inherit the assets and liabilities of the original Guizhou Provincial Cooperative [1] - The Guizhou Rural Commercial Bank will be formed based on the existing provincial cooperative structure, which currently includes 84 rural commercial banks and has a significant presence with over 2,293 outlets and 28,000 employees, managing deposits exceeding 922.9 billion and loans over 709.5 billion [1] - The reform is part of a broader initiative across several provinces in China, including Henan, Xinjiang, and Inner Mongolia, aiming to enhance the asset quality and risk management capabilities of rural financial institutions [2][3] Group 2 - The reform models being adopted include the "unified legal person" and "joint bank" structures, with the joint bank model being favored for its lower costs and preservation of multi-level governance [5] - The "unified legal person" model is more comprehensive and suitable for provinces with fewer legal entities, allowing for better resource concentration and scale advantages [5][6] - The competitive landscape for rural financial institutions is changing, with increased pressure from state-owned banks and fintech companies, necessitating a new type of provincial cooperative to guide and support rural banks in enhancing their competitive edge [7] Group 3 - The implementation of AI technologies, such as the DeepSeek model, is being explored by various provincial rural credit institutions to enhance digital transformation and operational efficiency [8] - Several rural financial institutions have initiated pilot programs to integrate AI capabilities into their operations, aiming to improve knowledge management and customer service [8]

Core Viewpoint - The establishment of Guizhou Rural Commercial Union Bank marks a significant advancement in the reform of Guizhou's rural credit system, with the original assets and liabilities of the Guizhou Provincial Association being transferred to the new bank [1][2][3]. Group 1: Reform Progress - Guizhou Rural Commercial Union Bank's formation was approved during a member meeting on July 28, with a working group authorized to oversee the establishment [2]. - The Guizhou Provincial Association has been actively engaging with local governments to facilitate the reform process, with multiple meetings held in various cities [3]. - The reform of Guizhou's rural credit system has been a focal point in government work reports for three consecutive years, emphasizing its importance in the province's financial reform agenda [4][5]. Group 2: Financial Structure and Operations - Guizhou Rural Credit consists of the provincial association and 84 rural commercial banks, with a total of 2,293 branches and approximately 28,000 employees, holding deposits exceeding 922.9 billion and loans surpassing 709.5 billion [6][8]. - The new bank aims to enhance financial service quality and efficiency, addressing the limitations of the previous provincial association model in supporting local economic development [8]. Group 3: Regulatory and Market Context - The establishment of Guizhou Rural Commercial Union Bank is subject to approval from financial regulatory authorities, indicating a structured approach to the reform [3]. - Similar reforms have been observed in other provinces, with several establishing provincial-level rural commercial banks, suggesting a trend towards this model across the country [6][7].

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].