每經AI快訊，獲批(pi)籌(chou)(chou)建近一年依舊難推(tui)(tui)(tui)進？近日(ri)，河南農(nong)(nong)(nong)(nong)信(xin)社(she)改(gai)(gai)革(ge)(ge)方案(an)從(cong)農(nong)(nong)(nong)(nong)商聯合(he)銀行調整為(wei)統一法(fa)人(ren)(ren)的省(sheng)農(nong)(nong)(nong)(nong)商銀行模(mo)式(shi)。這個先后(hou)采(cai)取兩種模(mo)式(shi)推(tui)(tui)(tui)進農(nong)(nong)(nong)(nong)信(xin)社(she)改(gai)(gai)革(ge)(ge)化(hua)(hua)險(xian)(xian)(xian)的罕見案(an)例，充分(fen)(fen)凸顯出(chu)當(dang)前農(nong)(nong)(nong)(nong)信(xin)社(she)改(gai)(gai)革(ge)(ge)的復雜性(xing)與挑戰(zhan)性(xing)。 為(wei)何農(nong)(nong)(nong)(nong)信(xin)社(she)改(gai)(gai)革(ge)(ge)之路(lu)“坡長坎多”？“不(bu)(bu)排除部(bu)分(fen)(fen)省(sheng)份(fen)(fen)因前期頂層設計不(bu)(bu)到位(wei)(wei)、研究籌(chou)(chou)劃不(bu)(bu)周全(quan)等問(wen)題，導致改(gai)(gai)革(ge)(ge)過程中(zhong)出(chu)現(xian)反復與折(zhe)騰的現(xian)象。此外，也有一些(xie)地(di)方出(chu)于對資金實力、股權調整推(tui)(tui)(tui)進難度(du)、風險(xian)(xian)(xian)化(hua)(hua)解難度(du)等因素的綜合(he)考量而調整方案(an)。”業內人(ren)(ren)士表示。 為(wei)理清管(guan)理體制(zhi)、推(tui)(tui)(tui)進風險(xian)(xian)(xian)化(hua)(hua)解，各地(di)因地(di)制(zhi)宜(yi)探索(suo)改(gai)(gai)革(ge)(ge)模(mo)式(shi)。據記者(zhe)統計，近年來，7個省(sheng)份(fen)(fen)農(nong)(nong)(nong)(nong)信(xin)社(she)改(gai)(gai)革(ge)(ge)方案(an)已落地(di)或者(zhe)有了新進展，且改(gai)(gai)革(ge)(ge)路(lu)徑不(bu)(bu)一。多位(wei)(wei)受(shou)訪(fang)人(ren)(ren)士表示，部(bu)分(fen)(fen)省(sheng)份(fen)(fen)面臨較大風險(xian)(xian)(xian)化(hua)(hua)解壓力，可能需(xu)要多步、分(fen)(fen)階(jie)段推(tui)(tui)(tui)進農(nong)(nong)(nong)(nong)信(xin)社(she)改(gai)(gai)革(ge)(ge)。（中(zhong)國證券報）