Core Viewpoint - The establishment of Inner Mongolia Rural Commercial Bank marks a significant financial reform, consolidating all rural cooperative institutions and village banks in the region, enhancing financial services and efficiency [1][3]. Group 1: Financial Reform Impact - The reform involved a comprehensive restructuring of a financial system with approximately 850 billion yuan in assets over 22 months, leading to improved regional financial service capabilities [1]. - Inner Mongolia Rural Commercial Bank has reported total assets of 849.86 billion yuan and outstanding loans of 434.23 billion yuan, leading in various loan categories within the region [1][3]. - The unified legal entity model has transformed the financing landscape, allowing businesses to access funding more efficiently, reducing the need to approach multiple institutions for loans [2][3]. Group 2: Operational Efficiency - The bank has adopted a "professional headquarters + efficient branches + strong service outlets" structure, ensuring comprehensive coverage and service delivery across rural areas [3]. - The integration of previous cooperative institutions has led to a significant increase in loan approval efficiency, with some businesses experiencing a 60% reduction in processing time [4][5]. - The bank's approach to risk management has evolved, utilizing data from various regulatory bodies to monitor credit assets and identify potential risks proactively [4]. Group 3: Support for Enterprises - Inner Mongolia Rural Commercial Bank has provided substantial support to local enterprises, with loan approval times drastically reduced to as little as three days, and interest rates lowered by 15% compared to market averages [5][6]. - The bank has tailored its services to meet the specific needs of different sectors, including agriculture and technology, facilitating significant loan increases for companies like Huayou Starch and Snow New Materials [6][8]. - The bank's focus on collaborative financing has enabled companies to streamline their operations and enhance productivity, as seen in the case of Zhengshi Agriculture, which benefited from unified credit services [4][10]. Group 4: Future Outlook - The bank aims to continue its commitment to supporting the agricultural sector, planning to add 150,000 new rural households and extend over 43 billion yuan in loans over the next three years [10]. - The ongoing financial reform is expected to foster a more robust financial ecosystem, enhancing the synergy between finance and the real economy in Inner Mongolia [10].

Core Viewpoint - The establishment of Inner Mongolia Rural Commercial Bank marks a significant reform in the financial system, enhancing regional financial services and addressing previous inefficiencies in agricultural financing [1][2]. Group 1: Financial Reform and Structure - The reform involved a unified legal entity model that consolidated all rural cooperative institutions and village banks in Inner Mongolia, resulting in a financial restructuring of approximately 850 billion yuan [1]. - Inner Mongolia Rural Commercial Bank has achieved total assets of 849.86 billion yuan and outstanding loans of 434.23 billion yuan, leading in various loan categories within the region [1][2]. - The bank's structure includes a "professional headquarters + efficient branches + strong service sub-branches" model, improving resource allocation and service efficiency across the region [2]. Group 2: Impact on Agricultural Financing - The reform has transformed the financing landscape for agricultural enterprises, allowing them to secure loans from a single bank rather than multiple credit cooperatives, thus reducing the loan application process significantly [2][3]. - The bank has implemented a coordinated service mechanism that enables substantial funding support for entire industrial chains, enhancing the ability to meet financing needs [3][4]. - The bank's focus on supporting small and micro enterprises has led to increased loan disbursements, with significant amounts allocated to agricultural projects and equipment upgrades [3][4]. Group 3: Efficiency and Service Improvement - Loan processing times have been drastically reduced, with some loans being approved and disbursed within three days, and overall efficiency improved by 80% [4][5]. - The bank has adopted a "one customer, one policy" approach, tailoring services to meet the specific needs of different industries and enterprises [6][7]. - The introduction of a comprehensive service system for technology companies has allowed for innovative financing solutions, such as "technology loans" based on intellectual property and research investments [8][9]. Group 4: Case Studies and Success Stories - Inner Mongolia Rural Commercial Bank has successfully supported various enterprises, including a significant increase in credit limits for companies like Huayou Starch and SNO New Materials, demonstrating the effectiveness of the reform [7][8][10]. - The bank's proactive approach during emergencies, such as natural disasters, has helped businesses recover by reducing interest rates and providing continued support [9][10]. - The bank has established a robust ecosystem for financial services, engaging with over 1.23 million agricultural households and 874,000 businesses, thereby optimizing the financial environment in rural areas [10].

21世纪经济报道记者杨希呼和浩特报道 10月的内蒙古自治区已是秋意盎然。在呼和浩特市玉泉区昭君路上，内蒙古农商银行玉泉区支行的营业厅里窗明几净，客户正有条不紊地办理业务。 这家支行的历史最早可以追溯到1954年。 彼时，西菜园信用社成立，信贷员背着装有印章、票据、算盘的帆布包，走村入户办理业务，"背包银行"的形象深入人心。2009年，呼和浩特金谷农村合作 银行成立，西菜园信用社也随之变更为玉泉支行。 时代潮涌，小小的支行再次"转身"。 改革"五个一" 内蒙古农商银行的改革进程一直备受市场关注。 最为准确地说，今天的内蒙古农商银行，是由原内蒙古自治区农村信用社联合社和93家旗县级法人农信机构及其发起设立的27家区内村镇银行以新设合并方 式组建而成的地方性法人商业银行。也就是所谓"统一法人模式"。 今年5月27日，内蒙古农信提前完成121家农合机构及发起设立的区内村镇银行的吸收合并，内蒙古农商银行正式挂牌开业。具体到玉泉区内，包括玉泉支行 在内的4家支行获得整合，成为拥有245名正式员工的内蒙古农商银行呼和浩特玉泉区支行。 业务窗口、自助机具、特色服务区……"背包银行"穿过时光长廊，换上了崭新的时代面孔，也继续践 ...

Core Viewpoint - The transformation of Inner Mongolia Rural Commercial Bank represents a significant milestone in the reform of rural credit cooperatives in China, showcasing a successful model of resource integration and risk mitigation through the "unified legal person model" [4][5][12]. Group 1: Historical Context and Transformation - Inner Mongolia Rural Commercial Bank was established through the merger of 121 rural cooperative institutions and local village banks, marking a shift from a fragmented structure to a unified legal entity [5][6]. - The bank's history dates back to 1954, evolving from a "backpack bank" model to a modern financial institution that serves over 500,000 residents in the Yuyuan District of Hohhot [2][3]. Group 2: Reform Characteristics - The reform is characterized by the "Five Ones": a top-level design that was completed in one go, all participants involved, risk mitigation resources in place, central-local collaboration, and consistent regulatory guidance [5][6]. - The bank's total assets reached 849.86 billion yuan, with total liabilities of 791.94 billion yuan and total equity of 57.91 billion yuan as of August [7]. Group 3: Organizational Structure and Management - The bank has adopted a three-tiered organizational structure consisting of a central bank, regional audit centers, and numerous local branches, enhancing operational efficiency and risk management [8][9]. - A comprehensive risk management system has been established, addressing past weaknesses and ensuring better control over credit risks [9][10]. Group 4: Focus on Agricultural and Small Business Financing - The bank prioritizes agricultural financing, with over 70% of new loans directed towards rural and agricultural sectors, and has a current agricultural loan balance exceeding 220.9 billion yuan [12][13]. - The bank aims to support key industries such as dairy, corn, and meat sheep, with plans to increase related loans by over 10 billion yuan by 2025 [12][13]. Group 5: Service Improvement and Client Response - The bank has introduced over 40 standardized financial products to meet the diverse needs of farmers, small businesses, and individual entrepreneurs [14]. - The bank's responsiveness has improved significantly, as evidenced by its rapid assistance to clients affected by natural disasters, demonstrating a commitment to customer service [15][16]. Group 6: Future Outlook - The ongoing reforms are expected to enhance the bank's governance and operational capabilities, contributing to the stability of the financial system and supporting the healthy development of the real economy [17].