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  来源:华夏时报

  四川农信改革传出新消息,该省将再添一家市级统一法人农商行。

  近日,四川资阳农村商业银行股份有限公司(下称“资阳农商银行”)官微发布的公告显示,该行将于4月末召开2025年第一次临时股东大会。会议将审议包括吸收合并四川安岳农商行、四川乐至农商行,以及成立资阳市市级统一法人农商行等在内的一系列议案。

  《华夏时报》记者注意到,当前,随着县域农商行的逐步退出,组建地市级农商行成为当下主流模式。此次资阳农商银行吸收合并的安岳农商行、乐至农商行分别位于资阳市安岳县和乐至县,两者均为县域农商行。

  在四川,除资阳市外,广元市和遂宁市也在此前官宣推动组建市级统一法人农商银行,预计在三地完成相关筹建工作后,四川省将有14个市(州)完成统一法人改革。

  四川农信系统持续推进省市县三级改革

  近日,资阳农商银行发布公告称,将于2025年4月25日召开本公司2025年第一次临时股东大会,审议吸收合并四川安岳农商行、四川乐至农商行,以及成立资阳市市级统一法人农村商业银行改革工作组等在内的一系列议案。

  这意味着,四川市级统一法人农商银行将再添一员,而安岳农商行和乐至农商行两家县域农商行将退出历史舞台。

  无独有偶。今年2月27日,四川省广元市召开组建市级统一法人改革农商行工作启动会议,会议指出,全市各级各有关部门要抢抓政策机遇,聚焦关键重点、加快改革进度,力争我市市级统一法人农商银行早日实现挂牌开业。

  去年12月中旬,遂宁市财政局在披露的当月工作重点中透露,会同遂宁金融监管分局推动组建市级统一法人农商银行。

  据了解,当前我国农信社改革主要围绕省、市、县三级机构进行。江西会昌农商银行监事长王文金此前发文表示,其中,省级机构是新一轮改革的重点。在他看来,省级机构改革推进中,必然会或多或少涉及市、县级机构。改革要取得更好的成效,省、市、县三级机构改革应统筹一体推进。

  记者注意到,从实践来看,四川农信改革也在省市县三级持续推进。

  在资阳、广元和遂宁三地官宣组建市级统一法人农商银行前,四川省已有11个市(州)完成统一法人改革。

  同时,以四川省联社为基础改制而成的四川农商联合银行也已于去年1月底挂牌开业,四川省也成为继浙江、山西、河南之后,西部首个、全国第4个创立农商联合银行的省份。

  地市级统一法人农商银行渐成气候

  在王文金看来,我国地市级机构的改革主要有两类:一类是撤并县级机构,组建市级统一法人农商银行;另一类是管理权划转,由省联社管理划转地方政府管理。

  资阳农商银行的改革模式明显是前者。

  值得一提的是,除四川外,新疆、安徽、云南、广西、湖南等地也在有序推进筹建地市统一法人农商银行。

  例如,截至2024年底,南疆四地州,包括阿克苏地区、克州、和田地区、喀什地区的农信机构组建地市统一法人农商银行工作已完成。与此同时,去年12月,安徽濉溪农商行正式并入淮北农商行,这也意味着安徽地市统一法人农商行改革“第一单”顺利落地。

  4月15日,中国邮政储蓄银行研究员娄飞鹏在接受《华夏时报》记者采访时表示,地市级农商行的加快组建,不仅有助于更好地整合机构力量更好提供金融服务,改善农村金融生态环境,而且也有助于加快推进中小金融机构风险防范化解,提高金融安全发展水平。

  上海金融与发展实验室主任曾刚认为,在省联社改革的过程中,适度地通过兼并重组的手段来组建地市级农商行,可以在一定程度上整合和优化现有的资源,在形成一定的规模效应的同时,可以进一步优化基层法人的股权和治理结构,化解和处置存量风险,夯实其稳健发展的基础。

  广西农商联合银行董事长罗军也刊文表示,推进组建地市级农商行将是未来进一步深化市县农合机构改革的重要手段,整合重组工作遵守“先易后难、稳妥推进”“先试点、再推广”的原则。

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