每經(jing)記(ji)者｜張(zhang)祎    每經(jing)編(bian)輯(ji)｜馬子卿    

四川農信改革仍在不斷(duan)深化。

12月18日，國家金融監督管理總(zong)局網站信息(xi)顯示(shi)，四川(chuan)金融監管局于近(jin)日作出批復，同(tong)意(yi)攀枝(zhi)花、德陽、內(nei)江、瀘州等(deng)四川(chuan)地區9家農(nong)商(shang)行(xing)的定向募股(gu)方(fang)案及四川(chuan)農(nong)村商(shang)業聯合銀行(xing)股(gu)份(fen)有限(xian)公(gong)司（以下(xia)簡稱“四川(chuan)農(nong)商(shang)聯合銀行(xing)”）股(gu)東資格，并同(tong)意(yi)四川(chuan)農(nong)商(shang)聯合銀行(xing)受讓(rang)阿壩、巴中、樂山、甘孜等(deng)四川(chuan)地區的4家農(nong)商(shang)行(xing)的股(gu)權。

值得(de)一提的是(shi)，在此(ci)輪定向募(mu)資中，德陽(yang)農(nong)(nong)商(shang)(shang)(shang)行、瀘州農(nong)(nong)商(shang)(shang)(shang)行、宜賓農(nong)(nong)商(shang)(shang)(shang)行、眉山(shan)農(nong)(nong)商(shang)(shang)(shang)行、涼山(shan)農(nong)(nong)商(shang)(shang)(shang)行、遂寧農(nong)(nong)商(shang)(shang)(shang)行等6家農(nong)(nong)商(shang)(shang)(shang)行為(wei)四川(chuan)農(nong)(nong)商(shang)(shang)(shang)聯合銀行首次入股，其余3家農(nong)(nong)商(shang)(shang)(shang)行為(wei)四川(chuan)農(nong)(nong)商(shang)(shang)(shang)聯合銀行增持。

9家市級農商行向四川農商聯合銀行定向募股合計40.03億元

從國家金融監督管理總局網站披露的此次定向募股情況看，9家市級農商行向四川農商聯合銀行定向募股合計40.03億元，持股比例均提升至10%或以上(shang)。其中，德陽(yang)農(nong)商行(xing)(xing)(xing)(xing)、瀘州農(nong)商行(xing)(xing)(xing)(xing)、宜賓農(nong)商行(xing)(xing)(xing)(xing)、眉山(shan)農(nong)商行(xing)(xing)(xing)(xing)、涼山(shan)農(nong)商行(xing)(xing)(xing)(xing)、遂寧(ning)農(nong)商行(xing)(xing)(xing)(xing)等6家農(nong)商行(xing)(xing)(xing)(xing)為(wei)(wei)四川(chuan)農(nong)商聯合(he)銀行(xing)(xing)(xing)(xing)首次入股，其余攀枝花農(nong)商行(xing)(xing)(xing)(xing)、綿陽(yang)農(nong)商行(xing)(xing)(xing)(xing)、內江農(nong)商行(xing)(xing)(xing)(xing)等3家農(nong)商行(xing)(xing)(xing)(xing)為(wei)(wei)四川(chuan)農(nong)商聯合(he)銀行(xing)(xing)(xing)(xing)增持。

具體來看，遂寧(ning)農(nong)商(shang)(shang)(shang)行(xing)(xing)(xing)向四(si)(si)(si)川(chuan)(chuan)(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)(yin)行(xing)(xing)(xing)定(ding)(ding)(ding)(ding)向募(mu)(mu)(mu)(mu)股(gu)(gu)(gu)(gu)(gu)，募(mu)(mu)(mu)(mu)集(ji)資(zi)(zi)金(jin)(jin)約2.38億元(yuan)(yuan)，四(si)(si)(si)川(chuan)(chuan)(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)(yin)行(xing)(xing)(xing)對(dui)其(qi)(qi)持(chi)股(gu)(gu)(gu)(gu)(gu)比(bi)例(li)(li)(li)將(jiang)達(da)(da)(da)10%；涼山農(nong)商(shang)(shang)(shang)行(xing)(xing)(xing)向四(si)(si)(si)川(chuan)(chuan)(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)(yin)行(xing)(xing)(xing)定(ding)(ding)(ding)(ding)向募(mu)(mu)(mu)(mu)股(gu)(gu)(gu)(gu)(gu)，募(mu)(mu)(mu)(mu)集(ji)資(zi)(zi)金(jin)(jin)約7.73億元(yuan)(yuan)，四(si)(si)(si)川(chuan)(chuan)(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)(yin)行(xing)(xing)(xing)對(dui)其(qi)(qi)持(chi)股(gu)(gu)(gu)(gu)(gu)比(bi)例(li)(li)(li)將(jiang)達(da)(da)(da)10%；眉山農(nong)商(shang)(shang)(shang)行(xing)(xing)(xing)向四(si)(si)(si)川(chuan)(chuan)(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)(yin)行(xing)(xing)(xing)定(ding)(ding)(ding)(ding)向募(mu)(mu)(mu)(mu)股(gu)(gu)(gu)(gu)(gu)，募(mu)(mu)(mu)(mu)集(ji)資(zi)(zi)金(jin)(jin)約5.27億元(yuan)(yuan)，四(si)(si)(si)川(chuan)(chuan)(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)(yin)行(xing)(xing)(xing)對(dui)其(qi)(qi)持(chi)股(gu)(gu)(gu)(gu)(gu)比(bi)例(li)(li)(li)將(jiang)達(da)(da)(da)14.5%；宜賓(bin)農(nong)商(shang)(shang)(shang)行(xing)(xing)(xing)向四(si)(si)(si)川(chuan)(chuan)(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)(yin)行(xing)(xing)(xing)定(ding)(ding)(ding)(ding)向募(mu)(mu)(mu)(mu)股(gu)(gu)(gu)(gu)(gu)，募(mu)(mu)(mu)(mu)集(ji)資(zi)(zi)金(jin)(jin)約5.83億元(yuan)(yuan)，四(si)(si)(si)川(chuan)(chuan)(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)(yin)行(xing)(xing)(xing)對(dui)其(qi)(qi)持(chi)股(gu)(gu)(gu)(gu)(gu)比(bi)例(li)(li)(li)將(jiang)達(da)(da)(da)10%；瀘州農(nong)商(shang)(shang)(shang)行(xing)(xing)(xing)向四(si)(si)(si)川(chuan)(chuan)(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)(yin)行(xing)(xing)(xing)定(ding)(ding)(ding)(ding)向募(mu)(mu)(mu)(mu)股(gu)(gu)(gu)(gu)(gu)，募(mu)(mu)(mu)(mu)集(ji)資(zi)(zi)金(jin)(jin)約3.04億元(yuan)(yuan)，四(si)(si)(si)川(chuan)(chuan)(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)(yin)行(xing)(xing)(xing)對(dui)其(qi)(qi)持(chi)股(gu)(gu)(gu)(gu)(gu)比(bi)例(li)(li)(li)將(jiang)達(da)(da)(da)10%；德(de)陽農(nong)商(shang)(shang)(shang)行(xing)(xing)(xing)向四(si)(si)(si)川(chuan)(chuan)(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)(yin)行(xing)(xing)(xing)定(ding)(ding)(ding)(ding)向募(mu)(mu)(mu)(mu)股(gu)(gu)(gu)(gu)(gu)，募(mu)(mu)(mu)(mu)集(ji)資(zi)(zi)金(jin)(jin)約10.15億元(yuan)(yuan)，四(si)(si)(si)川(chuan)(chuan)(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)(yin)行(xing)(xing)(xing)對(dui)其(qi)(qi)持(chi)股(gu)(gu)(gu)(gu)(gu)比(bi)例(li)(li)(li)將(jiang)達(da)(da)(da)11%。

此外(wai)，攀枝花農(nong)商(shang)(shang)(shang)(shang)行(xing)(xing)(xing)(xing)向(xiang)四(si)(si)川(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)行(xing)(xing)(xing)(xing)定(ding)向(xiang)募(mu)(mu)(mu)股(gu)約(yue)3025.27萬(wan)股(gu)，募(mu)(mu)(mu)集資金約(yue)4784.46萬(wan)元(yuan)，四(si)(si)川(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)行(xing)(xing)(xing)(xing)對其持(chi)股(gu)比例(li)將由7.90%上升(sheng)(sheng)至10%；綿陽農(nong)商(shang)(shang)(shang)(shang)行(xing)(xing)(xing)(xing)向(xiang)四(si)(si)川(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)行(xing)(xing)(xing)(xing)定(ding)向(xiang)募(mu)(mu)(mu)股(gu)約(yue)2.17億股(gu)，募(mu)(mu)(mu)集資金約(yue)4.26億元(yuan)，四(si)(si)川(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)行(xing)(xing)(xing)(xing)對其持(chi)股(gu)比例(li)將由7.71%上升(sheng)(sheng)至16%；內江農(nong)商(shang)(shang)(shang)(shang)行(xing)(xing)(xing)(xing)向(xiang)四(si)(si)川(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)行(xing)(xing)(xing)(xing)定(ding)向(xiang)募(mu)(mu)(mu)股(gu)約(yue)5144.89萬(wan)股(gu)，募(mu)(mu)(mu)集資金約(yue)8971.66萬(wan)元(yuan)，四(si)(si)川(chuan)(chuan)(chuan)(chuan)農(nong)商(shang)(shang)(shang)(shang)聯(lian)(lian)合(he)(he)銀(yin)行(xing)(xing)(xing)(xing)對其持(chi)股(gu)比例(li)將由7.21%上升(sheng)(sheng)至13%。

從股(gu)(gu)權受(shou)讓(rang)情況看，受(shou)讓(rang)巴(ba)中農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)行(xing)等(deng)(deng)(deng)4家農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)行(xing)持(chi)(chi)(chi)(chi)(chi)(chi)有(you)的阿(a)壩農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)行(xing)股(gu)(gu)權后，四(si)川(chuan)(chuan)農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)聯合銀(yin)行(xing)合計持(chi)(chi)(chi)(chi)(chi)(chi)有(you)阿(a)壩農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)行(xing)約(yue)3.24億(yi)股(gu)(gu)，持(chi)(chi)(chi)(chi)(chi)(chi)股(gu)(gu)比(bi)(bi)例為(wei)28.66%；受(shou)讓(rang)四(si)川(chuan)(chuan)三臺農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)行(xing)等(deng)(deng)(deng)7家農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)行(xing)持(chi)(chi)(chi)(chi)(chi)(chi)有(you)的巴(ba)中農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)行(xing)股(gu)(gu)權后，四(si)川(chuan)(chuan)農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)聯合銀(yin)行(xing)合計持(chi)(chi)(chi)(chi)(chi)(chi)有(you)巴(ba)中農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)行(xing)約(yue)3.39億(yi)股(gu)(gu)，持(chi)(chi)(chi)(chi)(chi)(chi)股(gu)(gu)比(bi)(bi)例為(wei)13.95%；受(shou)讓(rang)四(si)川(chuan)(chuan)蒼溪農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)行(xing)等(deng)(deng)(deng)15家農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)行(xing)持(chi)(chi)(chi)(chi)(chi)(chi)有(you)的樂山農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)行(xing)股(gu)(gu)權后，四(si)川(chuan)(chuan)農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)聯合銀(yin)行(xing)合計持(chi)(chi)(chi)(chi)(chi)(chi)有(you)樂山農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)行(xing)約(yue)5.10億(yi)股(gu)(gu)，持(chi)(chi)(chi)(chi)(chi)(chi)股(gu)(gu)比(bi)(bi)例為(wei)12.59%；受(shou)讓(rang)涼山農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)行(xing)等(deng)(deng)(deng)10家農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)行(xing)持(chi)(chi)(chi)(chi)(chi)(chi)有(you)的甘(gan)孜農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)行(xing)股(gu)(gu)權后，四(si)川(chuan)(chuan)農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)聯合銀(yin)行(xing)合計持(chi)(chi)(chi)(chi)(chi)(chi)有(you)甘(gan)孜農(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)行(xing)約(yue)2.82億(yi)股(gu)(gu)，持(chi)(chi)(chi)(chi)(chi)(chi)股(gu)(gu)比(bi)(bi)例為(wei)32.12%。

此前聘請中介對19家農商行財務盡調

公(gong)開(kai)資料顯示，四(si)川(chuan)農(nong)(nong)商(shang)聯合(he)銀行以四(si)川(chuan)省農(nong)(nong)村信用(yong)社聯合(he)社為基礎改(gai)制而成(cheng)，2024年1月(yue)29日(ri)正式掛牌(pai)開(kai)業，注冊資本220億元，承繼四(si)川(chuan)省農(nong)(nong)村信用(yong)社聯合(he)社對全(quan)省農(nong)(nong)商(shang)行的管理職能。四(si)川(chuan)也由(you)此成(cheng)為西部首(shou)個、全(quan)國第四(si)個創立農(nong)(nong)商(shang)聯合(he)銀行的省份。

截至2024年(nian)10月底，全省農(nong)商行(xing)(xing)資產規模(mo)2.38萬億元，有(you)73家(jia)農(nong)商銀行(xing)(xing)，4800余個(ge)網點(dian)，是四川省“業務(wu)(wu)規模(mo)最(zui)大、網點(dian)覆蓋面最(zui)寬、員工數量最(zui)多、服務(wu)(wu)對象(xiang)最(zui)廣”的(de)銀行(xing)(xing)系統。

值得注意的是，今(jin)年9月份，四川農(nong)商(shang)(shang)聯合銀行曾就(jiu)(jiu)開展“省投市(shi)”清產核資、資產評估服務采(cai)購項目進行了(le)公開招標，聘請資產核資、資產評估中介機構，就(jiu)(jiu)四川農(nong)商(shang)(shang)聯合銀行對(dui)相關市(shi)級(ji)（城區）農(nong)商(shang)(shang)行的投資入股(gu)過程中涉及的各行財務盡職調查(cha)等提(ti)供(gong)服務。

據(ju)招標文件，本(ben)次服務的對象機構(gou)為分布在全省18個市（州）以及由(you)成都市代管的簡陽市的19家農商行(xing)。其中，簡陽農商行(xing)還同(tong)步開展吸收(shou)合并四川(chuan)新都農信村鎮銀行(xing)工作。

公開報道顯(xian)示，近年來(lai)，四(si)川農(nong)(nong)(nong)信系(xi)統(tong)持(chi)續推進省(sheng)、市(shi)、縣三級改革(ge)工(gong)作。四(si)川農(nong)(nong)(nong)商聯(lian)合銀(yin)行(xing)組(zu)建過程中，四(si)川省(sheng)農(nong)(nong)(nong)村(cun)信用社(she)原股東中的四(si)川地方農(nong)(nong)(nong)信社(she)、農(nong)(nong)(nong)商行(xing)全部退出(chu)，采取了與山西農(nong)(nong)(nong)商聯(lian)合銀(yin)行(xing)、河南(nan)農(nong)(nong)(nong)商聯(lian)合銀(yin)行(xing)相類似的“上參下”模式，向(xiang)下轄機構逐級參股，形(xing)成“省(sheng)投(tou)(tou)市(shi)、市(shi)投(tou)(tou)縣”的股權治理結構。

目(mu)前，四川全(quan)省(sheng)市(shi)縣(xian)級(ji)法人機構(gou)已全(quan)部改制成(cheng)為農商行(xing)。隨著四川農商聯合銀行(xing)在多家農商行(xing)中的持股(gu)比例(li)提(ti)升，“省(sheng)投(tou)市(shi)、市(shi)投(tou)縣(xian)”股(gu)權治理結構(gou)基礎有望得到進(jin)一步鞏固。

封面圖片來源：每(mei)經記者 張建 攝