其二，提升经营风险抵御能力。中小银行（尤其是农商银行）不良贷款率较高且风险抵御能力较 弱。通过合并重组，可将其不良资产纳入母行风控体系，降低运营风险。据国家金融监管总局数据， 2025年一季度，大型商业银行、股份制银行、城商行不良贷款率分别为1.22%、1.23%、1.79%，而农村 商业银行不良贷款率为2.86%，显著高于其他类型银行。 其三，缓解业务结构不合理压力。当前不少中小银行业务主要依赖地方国企、城投及房地产企业等 高风险客户，而这些行业因经济下滑业务萎缩或陷入停滞，使中小银行信贷业务逾期风险加剧。通过合 并重组，可调整业务结构，降低对特定行业的依赖，推动业务经营战略转型。同时，中小银行服务半径 过小、业务单一，尤其农村中小银行信贷客户资源尤其是优质客户越来越少，经营遭遇"天花板"。若不 及时兼并重组以"抱团取暖"，提高市场应对能力，极有可能被淘汰出局。 其四，提高经营效益与风险抵御能力。目前银行整体净息差收窄，经营效益下滑，资本实力相对减 弱。要提升经营竞争力，需夯实资本实力和提高拨备覆盖率，而一些中小银行法人机构单凭自身能力难 以做到，兼并重组成为必然选择。此外，当前银行业竞争激烈，中小银行处于 ...

中小银行是我国金融体系的重要组成部分，也是推动区域经济发展和服务实体经济的生力军。今年以 来，我国中小银行改革重组步伐加快，多地的村镇银行、农商银行等金融机构被吸收合并重组，将在金 融机构名单上加速消失。据不完全统计，今年前5月，约180家中小银行获批复合并或解散。 村镇银行、农商银行等中小银行在银行业体系中占据数量多，但是由于个体体量小，抗风险能力较弱， 在内部管理等方面隐藏着诸多风险点，改革化险则成为治本之策。"推动中小金融机构风险化解是守住 系统性风险底线的重要举措，将保障金融体系更加平稳运行。"中国银行研究院研究员范若滢表示，从 外部来看，宏观经济下行压力加大，银行业净息差收窄，导致银行经营压力加大。因地制宜化解中小金 融机构风险，可以根据不同区域经济发展表现，以及不同机构风险情况差异，制定并推出不同的适配策 略。对流动性风险突出机构，优先使用再贷款、专项债补充资本；对治理失效机构，通过引入战投、压 实主发起行责任重组。 金融监管总局农村中小银行监管司相关负责人表示，推动农村中小银行兼并重组减量提质，要通过改体 制、转机制、强管理、增动能，增强农村金融服务适应性和竞争力。支持配合省级党委政府"一省一 ...

Core Viewpoint - The Guangdong rural credit system is undergoing significant reform, with a focus on establishing rural commercial banks and enhancing management mechanisms, as outlined in the 2024 annual report of the Guangdong Provincial Association [1][2]. Group 1: Reform Direction and Structure - The Guangdong rural credit system has adopted a "1+7" market structure, where several rural commercial banks have transitioned from provincial management to local government oversight between 2021 and 2022 [2]. - The Guangdong Provincial Government has emphasized accelerating the reform of the provincial rural credit union and supporting the establishment of unified local rural commercial banks in regions with weaker financial capacities [2][4]. - The 2024 annual report from the Guangdong Provincial Association indicates a commitment to management reform and the establishment of rural commercial banks by 2025 [1][2]. Group 2: Leadership Changes - In February 2023, Liu Peng was appointed as the deputy secretary of the provincial association, while the former director, Mai Yanhou, was promoted to secretary of the provincial association [3]. - Liu Peng has a background in regulatory roles within the banking sector and has contributed significantly to financial reforms in the region [3]. Group 3: National Trends in Banking Reform - There is a nationwide trend of merging and restructuring banks to enhance risk management and operational stability, with several provinces implementing their own reform plans [4][5]. - The establishment of unified rural commercial banks has been noted in various provinces, including Zhejiang, Shanxi, and others, with significant progress made in 2023 [4][5]. - The unified legal entity model is being adopted in regions with fewer banking institutions, aiming to consolidate financial resources and create scale advantages [5][6]. Group 4: Regional Developments - Multiple provinces, including Hubei and Guizhou, have outlined plans to establish rural commercial banks, indicating a broader commitment to reform across the country [6][7]. - In Anhui, the merger of local banks has marked the successful implementation of unified legal entity reforms [8]. - Regions such as Yunnan and Guangxi are also advancing plans to establish unified rural commercial banks, reflecting a trend towards regional consolidation [8][9].

十年光景，河南金融"豫军"再现大范围整编。 十年前，组建中原银行是河南金融领域的"一号工程"。彼时，筹备组面临原13家城商行有关股权、资产、债务 等复杂的清理工作。经过"整编"，中原银行赶在了2014年岁尾成立，成为河南省第一家省级法人城商行。这次 重组案例亦是当时规模最大的一次城商行重组，也是国内区域银行合并重组的典型案例。 2月26日，河南农商银行发布高级管理人员公告，选举郝惊涛为河南农商银行第一届董事会董事长，聘任王炯 为该行行长，并聘任梁生效、张涛、韩俊岭为该行副行长。上述高级管理人员任职资格已获监管部门核准，且 均为原河南农商联合银行领导班子成员。 同天，河南农商银行也发布了25家机构以新设合并方式组建为河南农商银行的公告。公开信息显示，河南农商 银行系统是河南省资产规模最大、网点数量最多的省级地方性银行业金融机构，资产总额2.58万亿元。组建成 功后，这家农商银行将是河南金融系统的"霸主"，超过了2014年组建的中原银行（当前资产规模1.3万亿 元）。 2025年，各地省政府报告均提及了省联社改革，市场预计接下来各地省联社改革将加速。然而，"一并了之"并 不是目标，所谓"散是满天星，聚是一团火"， ...