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].

河南省联社改革再进一步！ 2月26日，金融监管总局河南监管局发布的批复指出，同意河南农村商业银行开业，同意河南农 村商业银行郑州中心支行等891个分支机构开业，并接受金融监管总局派出机构的属地监管。 河南农商银行注册资本金为人民币292.47亿元。河南农商银行首任领导班子公布：郝惊涛为河南 农商银行董事长，王炯为副董事长、行长，梁生效、张涛、韩俊岭为副行长。 据报道，2月26日，河南农商银行开业仪式在郑州举行。当日，河南农商银行发布公告称，经金 融监管总局批准，河南农村商业联合银行和郑州、新乡、濮阳、济源4市农商银行（农信社）、 荥阳利丰村镇银行等共25家机构，以新设合并方式组建为河南农商银行。河南农商银行承继25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。 实际上，河南农商银行成立是这一轮河南农信系统改革模式的一次重大调整。2023年6月，金融 监管总局同意筹建河南农村商业联合银行。当年11月，河南农商联合银行正式揭牌开业。而开业 不满一年就传出组建河南农 ...