甘肃省级农商行筹建迎来重大进展！ 4月中旬，《甘肃信合》杂志电子版期刊披露的甘肃农信2024年工作报告（摘要）透露，"历时4年多的改革方 案即将获批""2025年是省农信联社化险改革落地启动之年"。 日前，甘肃金昌农商行、甘肃永昌农商行同时在金昌日报发布公告称，将于8月20日分别召开临时股东大会， 内容均为"审议组建甘肃农村商业银行有关事项"。 在此之前，甘肃省曾在2023年政府工作报告提出"组建甘肃农商联合银行"。不过据券商中国记者今年初报道， 甘肃已切换改革路线，将推进筹建统一法人模式的"甘肃农商银行"。 筹建迎来重大进展 官网介绍，目前甘肃农信共有37家农商行、5家农合行、41家县级联社，营业机构覆盖了全省1229个乡镇、 86%的行政村和90%的农牧民。 但受地方经济基础薄弱、产业结构调整等因素影响，甘肃省内农信机构资产质量参差不齐、历史包袱相对沉 重。2019年至2021年，甘肃银行业金融机构不良贷款率连续三年高于6%。 2021年、2022年，甘肃先后发行126亿元、300亿元支持中小银行发展专项债券，用于补充辖内58家农合机构及 甘肃省联社资本。 在2023年省政府工作报告中，甘肃首次提出，在2 ...

Core Viewpoint - Hainan Rural Commercial Bank has successfully completed its first year of reform and listing, focusing on local roots, innovation, and service to drive high-quality development in line with provincial government goals [3][4][5]. Group 1: Reform and Development - The bank is the first and currently the only fully provincial unified legal entity rural commercial bank in China, marking a significant achievement in the reform of the rural credit system [4][5]. - The unified legal entity model has transformed the previous decentralized operations of local rural credit institutions into a streamlined, efficient decision-making process, enhancing service efficiency and product innovation capabilities [5][6]. Group 2: Financial Performance - As of April 2025, the bank's total assets reached 394.38 billion yuan, with deposits of 343.39 billion yuan and loans of 198.73 billion yuan, reflecting increases of 4.97%, 8.08%, and 6.08% respectively compared to before the reform [6]. - The bank has maintained the highest market share among commercial banks in the province and has been the top taxpayer among local financial institutions [6]. Group 3: Support for Agriculture and Small Enterprises - The bank has established a dedicated team of over 850 personnel focused on rural revitalization financial services, enhancing its capacity to support agriculture and small enterprises [10]. - A series of policies have been introduced to increase the proportion of agricultural and small micro-loans, with a notable increase in the number of agricultural loan accounts [8][11]. Group 4: Technological Innovation - The bank has launched various digital products aimed at enhancing financial services, including "Rural Revitalization e-loan" and "Inclusive Small Micro e-loan," facilitating a digital transformation in its operations [12]. - A new risk management framework has been implemented to improve risk control capabilities, enhancing the bank's ability to monitor and manage risks dynamically [16][17]. Group 5: Contribution to Free Trade Port Development - In the first quarter of 2025, the bank issued loans totaling 20.84 billion yuan, a year-on-year increase of 25.31%, with significant support for key industrial parks and innovative financing projects [18]. - The bank has played a crucial role in financing healthcare projects and supporting local enterprises, contributing to the development of the Hainan Free Trade Port [18]. Group 6: Future Outlook - The next three years are deemed critical for the bank's transformation and high-quality development, with a commitment to leveraging reform for growth and efficiency [19].

Core Viewpoint - The establishment of Henan Rural Commercial Bank marks a significant adjustment in the reform model of the rural credit system in Henan Province, aiming to enhance financial stability and risk management in the region [1][2]. Group 1: Establishment and Structure - On February 26, the approval from the Financial Regulatory Bureau of Henan confirmed the opening of Henan Rural Commercial Bank and 891 branches, with a registered capital of RMB 29.247 billion [1]. - The bank was formed through the merger of 25 institutions, including the Henan Rural Commercial Union Bank and several local rural banks, inheriting all assets, liabilities, and operational rights from these entities [1][2]. Group 2: Reform Context and Objectives - The establishment of Henan Rural Commercial Bank is part of a broader reform initiative, with the goal of addressing financial and local debt risks, as outlined in the government's measures for economic stability [2]. - The reform emphasizes a unified legal entity model, which is seen as beneficial for smaller economic regions with multiple potential risk institutions, allowing for centralized risk management and scale effects [2]. Group 3: Regional Adaptation and Policy Support - The reform approach must be tailored to the specific economic conditions and financial needs of each province, avoiding a one-size-fits-all strategy [3]. - The central government's recent policy document stresses the importance of supporting rural small and medium-sized banks and encourages a province-specific strategy for reforming rural credit cooperatives [3][4].