本报（chinatimes.net.cn）记者刘佳 见习记者 林佳茹 北京报道 近期，国家金融监督管理总局广西监管局公布批复文件，同意来宾农商银行吸收合并武宣农商银行等5 家农信机构。 此次整合后，被吸收的5家机构将注销法人资格，改建为来宾农商银行的分支机构，广西来宾市由此实 现地级市统一法人农商行布局。 11月19日，监管批复显示，来宾农商银行将吸收合并广西武宣农村商业银行、广西金秀农村商业银行、 广西象州农村合作银行、忻城县农村信用合作联社、合山市农村信用合作联社5家机构。 此次合并后，被吸收的5家机构将注销法人资格，改建为来宾农商银行分支机构。 值得一提的是，这一整合早有部署。7月1日，广西来宾农村商业银行股份有限公司筹建工作小组等机构 已在《广西日报》发布公告，明确吸收合并方案细节。合并完成后，5家被吸收方的全部资产、业务、 债权、债务、人员及其他权利义务，将全部由新组建的来宾农商银行承接。 股东权益处理也在公告中清晰界定。对符合股东资格的被吸收方股东（社员），若自愿加入新银行，其 所持股份（股金）将按清产核资及整体资产评估确认、分配后的每股净资产价格，量化转换为来宾农商 银行股份；不愿成为新股东或不 ...

Core Insights - The core viewpoint of the news is that Henan Rural Commercial Bank has officially absorbed and merged 82 institutions, marking a significant step in the reform of the rural credit system in Henan Province [1][9]. Summary by Sections Announcement of Merger - On September 28, Henan Rural Commercial Bank announced the approval from the National Financial Supervision Administration of Henan to absorb and merge 82 institutions, including rural commercial banks and village banks from nine cities [1][2]. Implications of the Merger - This merger is seen as a crucial measure in the ongoing reform of the rural credit system, reflecting the "one province, one policy" approach and the practice of a unified legal entity model [1][9]. Details of the Merger - Following the merger, Henan Rural Commercial Bank will inherit all assets, liabilities, businesses, personnel, branches, and other rights and obligations of the absorbed institutions, with existing customer accounts and services remaining unchanged [3]. Historical Context of Reforms - The reform of the rural credit system in Henan has been gradual, with previous adjustments including the approval of a reform plan in 2022 and the establishment of Henan Rural Commercial Bank in 2023 [4][5]. Shift in Reform Strategy - The reform strategy has shifted from a "joint bank" model to a "unified legal entity" model, which is more comprehensive and suitable for provinces with fewer legal entities [7][8]. Broader Trends in Other Provinces - Other provinces, such as Xinjiang and Gansu, are also transitioning from a joint bank model to a unified legal entity model, indicating a broader trend in the reform of rural credit systems across China [8][9].

Core Viewpoint - The merger of 82 rural commercial banks and village banks into Henan Rural Commercial Bank marks a significant step in the reform of the rural financial system in Henan Province, aiming to consolidate financial resources and enhance risk management capabilities [2][3]. Group 1: Merger Details - Henan Rural Commercial Bank has officially absorbed and merged 82 rural commercial banks and village banks across nine cities, inheriting all assets, liabilities, and operations of these institutions [2]. - This merger is the first major public consolidation since the establishment of Henan Rural Commercial Bank in February 2025, reflecting a shift towards a unified legal entity under the "one province, one policy" reform strategy [2][3]. - The new entity will enhance its asset scale and service capacity, supporting agriculture, small enterprises, and county economies more effectively [3]. Group 2: Historical Context and Transition - The reform process has evolved from a "joint bank" model to a "provincial rural commercial bank" model, with the latter emphasizing centralized management [3]. - The establishment of Henan Rural Commercial Bank was part of the provincial government's key tasks for financial reform, with a registered capital of approximately 29.25 billion and total assets of 2.58 trillion [3]. Group 3: Challenges and Solutions - The merger presents challenges, particularly concerning the high non-performing loan rates of some merged institutions, which will require focused asset management [4]. - Strategies for addressing these challenges include utilizing local Asset Management Companies (AMCs) for asset disposal and potential capital supplementation through special bonds issued by local governments [4][5]. - Establishing a unified risk control system, enhancing training and assessment, and promoting digital transformation are essential for a smooth transition [5].

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].