数据显示，截至2024年末，榆次农商行不良贷款率达34.43%，关注类贷款占比超过10%，而贷款减值准备余额 仅1400万元，拨备覆盖率仅为0.38%，显著低于监管要求。 二是该行贷款投放增长乏力，受资产质量影响贷款收息水平低，净息差降至负数，已连续两年经营出现亏损， 且亏损金额持续增加。 报告显示，受资产质量影响，榆次农商行贷款利息回收水平低，2024年净息差为-0.53%，全年净亏损2.06亿 元，亏损金额同比增加近1.1亿元。 又一中小银行主体信用评级被下调！ 5月19日，中诚信国际公告称，决定将山西榆次农商行主体信用等级由BB调降至BB-，将其发行的两笔二级资 本债的债项信用等级由BB-调降至B+，评级展望均为稳定。 这也是今年首家被下调主体信用评级的商业银行。据统计，2021年以来，中诚信国际已连续三次调降榆次农商 行评级，后者主体信用评级由A+一路降至BB-。 主体信用评级遭下调 中诚信国际报告称，此次对榆次农商行的信用等级调降主要基于三方面因素： 一是该行不良贷款增长快且不良率高，同业和金融投资风险资产尚未出清，抵债资产和其他应收款规模较大， 整体清收处置效果有限，拨备计提缺口持续扩大。 202 ...

Core Viewpoint - Jiujiang Bank plans to reform and restructure its 20 rural banks under the Jiu Yin brand, aiming to gradually acquire full ownership and convert them into branches of Jiujiang Bank [1][3]. Group 1: Restructuring Plans - The restructuring will involve acquiring shares from other stakeholders in the Jiu Yin rural banks located in Jiangxi province, with the goal of achieving 100% ownership before merging them into branches [3]. - For rural banks outside Jiangxi, Jiujiang Bank will decide on their future based on regulatory requirements, which may include maintaining their current status, acquiring them, or an orderly exit [3]. Group 2: Financial Performance - As of the end of 2024, Jiujiang Bank reported total assets of 516.46 billion yuan, reflecting a 2.50% year-on-year growth, but faced significant pressure on asset quality with non-performing loans (NPLs) rising to 7.01 billion yuan and an NPL ratio of 2.19%, above the industry average [6]. - The bank's net interest income reached 9.171 billion yuan in 2024, an increase of 10.6% year-on-year, driven by reduced interest expenses on liabilities [7]. - However, non-interest income faced challenges, with net commission income declining by 12.9% to 847 million yuan, primarily due to a decrease in wealth management fees [7].