继今年2月河南农商行正式成立后，河南地区农信系统改革再次迎来重大进展！ 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，该行正式 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。 业内人士分析称，河南农商银行吸收合并82家机构，是本轮农信系统改革的重要举措之一。 这不仅体现了"一省一策"改革思路下的统一法人模式实践，也标志着河南省在整合地方金融 资源、优化金融生态、提升风险防控能力方面迈出了关键一步。 统一法人加速推进 河南农商银行吸收合并82家机构 据河南农商银行公告，此次吸收合并后，河南农商银行将承继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。 从"联合银行"到"统一法人" 至此，河南农商银行已完成郑州、新乡、濮阳、开封、平顶山、安阳、焦作、三门峡、南 阳、商丘、信阳、周口12个地级市及济源市的农商行（农信社）吸收合并工作。目前还有洛 阳、鹤壁、许昌、驻马店、 ...

9月28日，河南农村中小银行改革再迈出重要一步。 据河南农商银行官网发布，经国家金融监督管理总局河南监管局批准，河南农商银行正式吸收合并开封、平顶山、安阳等9个地市范围内的82家农商银行、 村镇银行。合并后，该行将承继这82家机构的全部资产、负债、业务、人员、网点以及其他一切权力，原机构变更为河南农商银行的分支机构，客户权益等 继续有效，各项服务保持不变。 此次大规模整合，是自今年2月河南农商银行正式成立以来，首度公开披露的大范围机构合并动作。中国邮政储蓄银行研究员娄飞鹏表示，"河南农商银行吸 收合并82家机构，是本轮农信系统改革的重要举措之一。这不仅体现了'一省一策'改革思路下的统一法人模式实践，也标志着河南省在整合地方金融资源、 优化金融生态、提升风险防控能力方面迈出了关键一步。" 2025年河南省政府工作报告中曾明确提出"加快金融改革发展，完成河南农商银行组建"，并将此项改革列为年度重点任务。随着此次82家地方机构并入，娄 飞鹏认为，河南农商银行的体系规模与网络覆盖将得到进一步扩展，从而更有效地支持农业、小微企业和县域经济的发展，实现"支农支小"的政策定位。 回溯河南农村中小银行的改革历程，其路径选择曾 ...

Core Viewpoint - Gansu Province is making significant progress in the establishment of a provincial rural commercial bank, transitioning from the initial plan of a "Gansu Rural Commercial Union Bank" to a unified legal entity model for the "Gansu Rural Commercial Bank" [1][2][4]. Group 1: Progress in Establishment - Gansu Jinchang Rural Commercial Bank and Gansu Yongchang Rural Commercial Bank announced temporary shareholder meetings to discuss the establishment of the Gansu Rural Commercial Bank [1][4]. - The Gansu rural financial institutions currently include 37 rural commercial banks, 5 rural cooperative banks, and 41 county-level cooperatives, covering 86% of administrative villages and 90% of farmers [1]. - The asset quality of Gansu's rural financial institutions has been inconsistent, with non-performing loan rates exceeding 6% for three consecutive years from 2019 to 2021 [1]. Group 2: Government Support and Reforms - In 2021 and 2022, Gansu issued special bonds of 12.6 billion and 30 billion yuan respectively to support the development of small and medium-sized banks [2]. - The 2023 government work report indicated a shift in focus towards the establishment of a unified legal entity model for the Gansu Rural Commercial Bank, moving away from the previously proposed union bank model [2][4]. - The Gansu Rural Credit Union's 2024 work report suggests that the reform plan is nearing approval, with 2025 marked as the year for the implementation of the reform [3]. Group 3: Reform Models and Trends - The unified legal entity model is seen as a more thorough reform approach, suitable for provinces with fewer legal entities and a higher level of economic development [6]. - Other provinces, such as Henan and Xinjiang, have also switched to the unified legal entity model, indicating a broader trend in regional financial reforms [8][11]. - The central government's focus on rural credit cooperative reform has been consistent, with multiple provinces successfully establishing new "trillion banks" [14].

Core Viewpoint - The establishment of Guizhou Rural Commercial Bank is a significant step in the ongoing reform of rural credit cooperatives in China, with the aim of enhancing local financial institutions and improving their operational efficiency [1][2][5]. Group 1: Establishment of Guizhou Rural Commercial Bank - Guizhou Rural Commercial Bank is set to be established based on the Guizhou Provincial Credit Union, with all business, assets, and liabilities being transferred to the new entity upon its formation, pending regulatory approval [1][2]. - The decision to form the bank was made during a member meeting of the Guizhou Provincial Credit Union, which also authorized a working group to oversee the establishment process [2][5]. Group 2: Acceleration of Rural Credit Cooperative Reforms - As of now, six provinces in China have established provincial-level rural commercial banks, including Zhejiang, Shanxi, Sichuan, Guangxi, Jiangsu, and Jiangxi, while four provinces have set up provincial-level rural commercial banks [1][8]. - The Guizhou provincial government has included the acceleration of rural credit cooperative reforms in its work reports for multiple years, indicating a strong commitment to this initiative [2][4]. Group 3: Support from Local Financial Institutions - Guizhou Financial Holdings Group has engaged in discussions with the Guizhou Provincial Credit Union regarding potential investments and support for the reform process [5]. - The Guizhou Provincial Credit Union is actively seeking partnerships with local state-owned enterprises to facilitate the reform and enhance its capital structure [5][6]. Group 4: Broader Context of Rural Financial Reforms - The ongoing reforms are part of a larger trend across China, with various provinces moving towards establishing unified legal entities for rural commercial banks to streamline operations and improve governance [10][11]. - The reform models being adopted vary, with some provinces opting for a unified legal entity model while others maintain a cooperative structure, reflecting the diverse needs and conditions of different regions [11].

Core Viewpoint - The reform of the agricultural credit system in Jilin Province has made significant progress with the issuance of special bonds to support the development of small and medium-sized banks, specifically aimed at enhancing the operational strength of the newly established Jilin Rural Commercial Bank [2][3][4] Group 1: Special Bonds Issuance - The issuance of the 2025 Jilin Province Government Special Bonds for Supporting Small and Medium-Sized Banks has concluded, with a total of 260 billion yuan issued [3][4] - The bonds have a term of 10 years and a coupon rate of 1.76%, marking the first issuance of special bonds for small and medium-sized banks in the country for 2025 [4] - The total amount of special bonds, including previously issued bonds, reaches 346 billion yuan, which will be allocated to Jilin Financial Holding Group to enhance the capital adequacy and risk resistance of Jilin Rural Commercial Bank [3][4] Group 2: Jilin Rural Commercial Bank - Following the reform, the expected capital of Jilin Rural Commercial Bank will reach 400 billion yuan, positioning it as a healthy and robust banking institution [5] - The bank is part of a larger system that includes 52 legal entities, with 39 rural commercial banks and 13 rural credit cooperatives, boasting a total asset of 10,072.4 billion yuan as of the end of 2023 [5] - The bank's deposit and loan balances have shown stable growth, with deposits increasing by 8.2% and loans by 3.6% compared to the beginning of the year [5] Group 3: Reform Models and Trends - Jilin Rural Commercial Bank is expected to become the tenth provincial-level rural commercial bank in the country, adopting a "unified legal person" model for its reform [7] - The unified legal person model aims to consolidate operations and enhance risk management, while the joint bank model maintains the two-tier legal structure [7] - Other regions are also advancing their agricultural credit system reforms, with several provinces planning to establish unified legal person rural commercial banks [6][7]

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].