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 - The establishment of the Guizhou Rural Commercial Union Bank is officially underway, aiming to enhance local financial institutions and support rural credit reforms in Guizhou province [1][3]. Group 1: Establishment and Structure - The Guizhou Rural Commercial Union Bank will be formed by canceling the legal status of the Guizhou Rural Credit Cooperative Union and establishing a new joint-stock company [3]. - The new bank will inherit all business, assets, and liabilities from the Guizhou Rural Credit Cooperative Union, pending approval from financial regulatory authorities [3]. - The establishment process will involve hiring qualified intermediaries for asset evaluation and financial audits [3]. Group 2: Financial Performance and Scale - Guizhou Rural Credit has a network of 2,293 branches and over 28,000 employees, with deposits exceeding 922.9 billion and loans surpassing 709.5 billion [4]. - The total assets of Guizhou Rural Credit exceeded 1 trillion, reaching 1,070.45 billion [4]. Group 3: Involvement of State-Owned Enterprises - Guizhou Financial Holding Group and Qiansheng State-owned Assets will play significant roles in the reform process [5][8]. - Guizhou Financial Holding Group, established in December 2016, operates across various financial sectors, including banking and asset management [6]. - Qiansheng State-owned Assets focuses on capital operation management and holds stakes in several companies, enhancing its financial capabilities [7]. Group 4: Reform Models and Trends - The joint bank model is seen as a cost-effective reform that maintains a multi-level governance structure, suitable for provinces with many quality rural commercial banks [9][10]. - The "upward participation" model allows the provincial bank to optimize the equity structure of rural financial institutions, improving governance [10]. Group 5: Broader Context of Rural Bank Reforms - Other provinces, such as Jilin, are also advancing their rural bank reforms, with Jilin Rural Commercial Bank's establishment approved recently [11][12]. - The trend of establishing provincial rural commercial banks is accelerating, with several banks already launched in 2024 [14]. - The Xinjiang region is also working towards establishing a unified rural commercial bank, aiming for completion by 2025 [15].

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].