Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82
楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!
随机图片

楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!

更新时间: 浏览次数: 578

400电话:123456(点击咨询)
楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!各观看免费《今日汇总》
楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!各热线观看免费2025已更新(2025已更新)








楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!各区点热线观看免费《今日发布》
Random Image 楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!电话








7天观看免费人工电话为您、楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!团队在调度中心的统筹调配下,线下专业及各地区人员团队等专属,整个报修流程规范有序,后期同步跟踪查询公开透明。








所有团队均经过专业培训、持证上岗,所用产品配件均为原厂直供,








楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!各观看免费《今日汇总》2025已更新(今日/推荐)








楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!电话区域:








哈尔滨市(五常市、宾县、呼兰区、南岗区、木兰县、依兰县、香坊区、延寿县、道里区、方正县、平房区、阿城区、松北区、道外区、巴彦县、通河县、尚志市、双城区)








海西蒙古族藏族自治州(天峻县、德令哈市、都兰县、格尔木市、乌兰县、茫崖市)








珠海市(香洲区、斗门区、金湾区)








济南市(天桥区、商河县、钢城区、平阴县、槐荫区、莱芜区、市中区、济阳区、章丘区、长清区、历下区、历城区)  葫芦岛市(绥中县、南票区、龙港区、连山区、建昌县、兴城市)








漯河市(源汇区、舞阳县、郾城区、临颍县、召陵区)








长沙市(望城区、浏阳市、岳麓区、雨花区、芙蓉区、天心区、长沙县、开福区、宁乡市)








汕尾市(陆河县、海丰县、陆丰市、城区)








衡阳市(珠晖区、衡阳县、常宁市、衡山县、衡南县、蒸湘区、雁峰区、南岳区、祁东县、石鼓区、耒阳市、衡东县)  鹤岗市(兴山区、绥滨县、东山区、兴安区、工农区、向阳区、萝北县、南山区)








宣城市(宁国市、旌德县、广德市、泾县、宣州区、郎溪县、绩溪县)








大连市(金州区、沙河口区、普兰店区、西岗区、甘井子区、中山区、瓦房店市、长海县、庄河市、旅顺口区)








菏泽市(鄄城县、曹县、东明县、郓城县、单县、定陶区、牡丹区、巨野县、成武县)








威海市(荣成市、文登区、乳山市、环翠区)








南平市(建瓯市、光泽县、松溪县、政和县、顺昌县、延平区、邵武市、武夷山市、浦城县、建阳区)








邢台市(任泽区、宁晋县、内丘县、新河县、临城县、沙河市、巨鹿县、隆尧县、南和区、柏乡县、广宗县、临西县、南宫市、平乡县、威县、襄都区、清河县、信都区)








天津市(西青区、武清区、东丽区、南开区、宁河区、河西区、宝坻区、红桥区、静海区、蓟州区、河北区、滨海新区、北辰区、河东区、津南区、和平区)








铜川市(印台区、宜君县、王益区、耀州区)








铜仁市(碧江区、沿河土家族自治县、江口县、石阡县、松桃苗族自治县、德江县、思南县、玉屏侗族自治县、印江土家族苗族自治县、万山区)








徐州市(新沂市、泉山区、沛县、丰县、邳州市、鼓楼区、铜山区、睢宁县、云龙区、贾汪区)








伊犁哈萨克自治州(伊宁市、巩留县、昭苏县、霍城县、尼勒克县、察布查尔锡伯自治县、伊宁县、特克斯县、霍尔果斯市、奎屯市、新源县)








桂林市(兴安县、平乐县、象山区、灵川县、七星区、雁山区、叠彩区、临桂区、阳朔县、灌阳县、荔浦市、永福县、龙胜各族自治县、恭城瑶族自治县、全州县、资源县、秀峰区)








嘉峪关市








淮南市(潘集区、田家庵区、八公山区、寿县、谢家集区、凤台县、大通区)








信阳市(新县、固始县、浉河区、平桥区、息县、商城县、罗山县、潢川县、光山县、淮滨县)








武汉市(汉南区、黄陂区、硚口区、洪山区、青山区、江岸区、江汉区、武昌区、汉阳区、东西湖区、新洲区、江夏区、蔡甸区)








那曲市(巴青县、申扎县、安多县、色尼区、比如县、班戈县、尼玛县、聂荣县、双湖县、索县、嘉黎县)








秦皇岛市(海港区、北戴河区、昌黎县、抚宁区、山海关区、卢龙县、青龙满族自治县)








齐齐哈尔市(克山县、甘南县、泰来县、昂昂溪区、讷河市、碾子山区、龙沙区、克东县、建华区、富裕县、依安县、铁锋区、拜泉县、富拉尔基区、龙江县、梅里斯达斡尔族区)
400电话:123456(点击咨询)
楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!各观看免费《今日汇总》《今日发布》
楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!各观看免费《今日汇总》(2025已更新)








楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!各观看免费《今日汇总》【2025已更新列表】
楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!电话








7天观看免费人工电话为您、楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!团队在调度中心的统筹调配下,线下专业及各地区人员团队等专属,整个报修流程规范有序,后期同步跟踪查询公开透明。








所有团队均经过专业培训、持证上岗,所用产品配件均为原厂直供,








楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!中心2025已更新(今日/推荐)








楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!电话区域:








百色市(田林县、靖西市、右江区、隆林各族自治县、德保县、田阳区、西林县、平果市、凌云县、那坡县、田东县、乐业县)








博尔塔拉蒙古自治州(博乐市、精河县、温泉县、阿拉山口市)








本溪市(桓仁满族自治县、平山区、溪湖区、本溪满族自治县、南芬区、明山区)








防城港市(上思县、东兴市、港口区、防城区)  阳江市(阳春市、阳西县、阳东区、江城区)








汕头市(南澳县、金平区、潮南区、龙湖区、澄海区、濠江区、潮阳区)








包头市(固阳县、昆都仑区、达尔罕茂明安联合旗、青山区、土默特右旗、东河区、石拐区、白云鄂博矿区、九原区)








锦州市(凌海市、古塔区、太和区、北镇市、凌河区、义县、黑山县)定西市(渭源县、漳县、临洮县、陇西县、安定区、通渭县、岷县)








宜宾市(长宁县、叙州区、翠屏区、江安县、筠连县、珙县、屏山县、南溪区、兴文县、高县)  宜昌市(猇亭区、点军区、宜都市、西陵区、当阳市、长阳土家族自治县、远安县、兴山县、伍家岗区、夷陵区、秭归县、枝江市、五峰土家族自治县)








扬州市(广陵区、江都区、宝应县、高邮市、仪征市、邗江区)








临汾市(翼城县、安泽县、侯马市、洪洞县、曲沃县、永和县、大宁县、隰县、吉县、浮山县、古县、襄汾县、汾西县、乡宁县、蒲县、尧都区、霍州市)








大兴安岭地区(塔河县、呼玛县、漠河市)楚雄彝族自治州(双柏县、元谋县、永仁县、楚雄市、大姚县、姚安县、禄丰市、南华县、牟定县、武定县)








七台河市(勃利县、桃山区、新兴区、茄子河区)








九江市(武宁县、濂溪区、彭泽县、湖口县、德安县、修水县、永修县、浔阳区、柴桑区、都昌县、瑞昌市、庐山市、共青城市)








开封市(尉氏县、杞县、鼓楼区、兰考县、顺河回族区、龙亭区、祥符区、禹王台区、通许县)








吴忠市(青铜峡市、盐池县、同心县、利通区、红寺堡区)








雅安市(雨城区、名山区、芦山县、宝兴县、荥经县、汉源县、天全县、石棉县)








云浮市(郁南县、新兴县、云城区、罗定市、云安区)








南阳市(内乡县、卧龙区、桐柏县、新野县、南召县、镇平县、唐河县、淅川县、邓州市、西峡县、宛城区、社旗县、方城县)








石嘴山市(平罗县、大武口区、惠农区)








衡水市(阜城县、深州市、桃城区、武强县、饶阳县、武邑县、安平县、枣强县、故城县、景县、冀州区)








宝鸡市(岐山县、麟游县、陈仓区、眉县、金台区、千阳县、太白县、扶风县、凤县、陇县、渭滨区、凤翔区)








石家庄市(行唐县、裕华区、无极县、高邑县、晋州市、深泽县、长安区、新乐市、辛集市、藁城区、栾城区、井陉县、元氏县、井陉矿区、新华区、赞皇县、灵寿县、桥西区、正定县、鹿泉区、赵县、平山县)








惠州市(惠阳区、惠东县、龙门县、博罗县、惠城区)








重庆市(巫溪县、江北区、南岸区、武隆区、忠县、秀山土家族苗族自治县、城口县、铜梁区、奉节县、巫山县、大足区、綦江区、垫江县、大渡口区、江津区、永川区、石柱土家族自治县、长寿区、南川区、渝北区、开州区、荣昌区、巴南区、涪陵区、酉阳土家族苗族自治县、潼南区、万州区、合川区、渝中区、沙坪坝区、梁平区、璧山区、北碚区、云阳县、彭水苗族土家族自治县、丰都县、九龙坡区、黔江区)








黔南布依族苗族自治州(福泉市、三都水族自治县、罗甸县、独山县、龙里县、惠水县、荔波县、都匀市、贵定县、平塘县、长顺县、瓮安县)








赤峰市(红山区、松山区、巴林右旗、林西县、克什克腾旗、敖汉旗、巴林左旗、元宝山区、翁牛特旗、阿鲁科尔沁旗、喀喇沁旗、宁城县)








伊春市(伊美区、友好区、汤旺县、铁力市、乌翠区、南岔县、金林区、嘉荫县、大箐山县、丰林县)

  转自:北京商报

  农信社改革不断提速,在省级农商行成立的同时,地市级农商行也不断涌现。4月16日,北京商报记者获悉,当日,自贡农商行、富顺农商行、荣县农商行召开临时股东大会,审议自贡农商行吸收合并富顺农商行、荣县农商行,成立自贡市级统一法人农商行等议案,后续或将推进实施。不久前,资阳市也传出组建市级农商行的消息。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级农商行。

  在分析人士看来,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,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,同时与省级农商行改革相呼应,以构建更加完善和高效的地方金融服务网络,服务当地经济和社会发展需求。

  又有两家县级机构将被合并

  延期6天后,4月16日,四川省自贡市三家农商行临时股东大会召开。北京商报记者获悉,自贡农商行、富顺农商行、荣县农商行分别在自贡市、富顺县、荣县召开2025年第一次临时股东大会,审议自贡农商行吸收合并富顺农商行、荣县农商行,成立自贡市级统一法人农商行等议案。

  “临时股东大会延期到今日早上召开,之前已经发布了补充通知,审议吸收富顺农商行、荣县农商行两家银行。”自贡农商行相关负责人说道。

  据了解,三家银行原定于4月10日召开临时股东大会,但随后均发布补充公告宣布延期至4月16日。对于审议情况及后续进展,富顺农商行相关负责人透露,“临时股东大会审议了自贡农商行吸收合并我行的议案,通过后,后续还需要监管批复”。

  荣县农商行相关负责人则表示,具体审议结果后续会发布公告,若合并,后面还有一系列的流程,需经过监管部门批准,合并之后,银行名称可能会改变,但不会影响储户办理业务。

  根据金融监管总局披露的信息,自贡市仅有自贡农商行、富顺农商行、荣县农商行三家本地农商行,其中,自贡农商行、富顺农商行均在2017年完成改制开业,荣县农商行成立则较晚,于2023年11月宣布开业,开业后前身荣县农村信用合作联社自行终止。

  产业经济资深研究人士王剑辉认为,推动市级农商行组建能够化解和处置部分地方银行的存量风险或薄弱问题,同时利用规模优势,为客户提供更加丰富的产品和服务,并通过技术升级和流程优化提高运营效率。此外,市级农商行的成立也是为了与省级农商行改革相呼应,以构建更加完善和高效的地方金融服务网络,更好地服务当地经济和社会发展需求。

  地市级农商行规模效应显现

  近年来,四川农信系统改革不断,根据四川金融监管局此前发布的2024年数据,四川省市级农商行改革加快推进,随着南充、达州改革顺利完成,包括成都在内,四川已有11个市(州)成立市级统一法人农商行。

  今年以来,四川省内多地继续推动市级同一法人农商行改革工作。不久前,资阳农商行也发布公告称,拟于4月25日召开临时股东大会,审议吸收合并安岳农商行、乐至农商行,成立资阳市市级统一法人农商行等议案。除自贡市、资阳市外,广元市已于2月底召开组建市级统一法人改革农商行工作启动会议,遂宁市也计划推动组建市级统一法人农商行。随着后续工作的推进,届时,四川完成市级农商行改革的机构有望增至15家。

  据了解,四川全省农商行统一由四川省农村信用社联合社管理,2024年1月,四川农商联合银行开业,承继后者对全省农商行的管理职能,推进形成“省投市、市投县”的股权治理结构,即省农商联合银行参股各地市农商行,地市农商行入股当地县级农商行。

  根据四川农商联合银行官网信息,全省共有21家市级农商行(办事处)、149家县级农商行(支行)、近5000家营业网点、1.1万个农村金融综合服务站,网点数量占全省银行业的35%。

  “在联合银行模式下,如果县域经济规模偏小,基层法人经营能力有限,而且存量风险积累难以靠自身发展来化解的话,简单地保留原有县域法人,并不能从根本上解决农村金融机构可持续发展的问题,即便在联合银行组建过程中,由地方政府发行专项债进行注资,也只能达到输血救助的效果。”上海金融与发展实验室主任曾刚认为,因此,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。

  仍需强化风险管理和公司治理

  除四川外,新疆、安徽、云南、广西、湖南等地也通过吸收合并或新设合并方式有序推进筹建地市级统一法人农商行。

  例如,去年12月,由喀什地区11家农信社和1家农商行以新设合并方式组建的喀什农商行揭牌开业,标志着新疆南疆四地州以地州为单位组建统一法人农商行工作完成,此前已有阿克苏塔里木农商行、克州农商行、和田农商行相继揭牌开业。同一时期,安徽濉溪农商行正式并入淮北农商行,意味着安徽地市级统一法人农商行改革“第一单”顺利落地。另据广西来宾市人民政府消息,该市2025年重点工作包括推进组建市级统一法人农商行改革试点。

  “地级市农商行的组建并非全国铺开,更多是各地根据自身经济、金融的发展情况来选择。”曾刚表示,合并后的地级市农商行能够利用规模优势,提升金融服务的效率和质量,更好地满足地方经济和社会发展的需求,同时可以增强农商行的资本实力和风险抵御能力,提高金融机构的稳健性,促进金融创新和产品多样化。

  不过,由于规模更大、县域法人更为复杂,地级市农商行组建过程中也需要进一步强化风险管理和公司治理能力。资深金融监管政策专家周毅钦指出,地级市农商行组建过程中需处理好风险资产处置、公司治理机制整合、客户服务衔接等问题,以吸收合并方式设立的地级市农商行为例,被合并的县域农商行往往历史包袱较大,需要通过清产核资、资产置换或政府专项债注资等方式化解。不同机构原有的管理模式、企业文化、业务流程存在差异,合并后需统一公司治理、内控机制、风控标准、科技系统、操作流程等,这都需要一些时间进行消化。此外,合并后对于原有客户如何进行安抚和承接,网点是否可能缩减,导致县域金融服务弱化,这些问题都需要机构在整合后能够抓紧时间进行优化处理。

  随着农信系统改革的不断推进,相关机构数量也在不断减少。截至2024年末,我国共有3811家银行机构,较2023年减少193家,减少数量创近三年来新高,其中,农商行一年内减少44家至1563家,农信社一年内减少41家至458家。

  王剑辉认为,未来农商行发展不仅要注重技术创新和服务质量的提升,还需要建立健全的合作机制,县级、市级、省级机构应形成良性互动,在保持各自特色的基础上形成互补,避免重复建设和资源浪费。

  北京商报记者 李海颜

楼梯间的快乐你无法想象:狼人加鲁鲁兽天赋助你逆转全场,赢得对局!的相关文章 两中国公民被海浪卷走致1死1失踪的相关文章
日代表送特朗普“中国制造”礼物
郭艾伦说感觉自己结不了婚
北方稀土年报净利下滑近六成
米切尔谈历史首发5人组
贵州一地遭冰雹 地上如白雪覆盖
天工机器人CEO回应完赛:里程碑意义
北方稀土年报净利下滑近六成
Jennie去看了Lisa科切拉舞台
以仍不排除袭击伊朗核设施的可能性
报告:高金融素养人群持仓时间更长
新疆阿克苏地区沙雅县发生3.9级地震
伊朗意大利外长会晤商讨中东局势
  • 友情链接:
  • 王楚钦爆冷出局 无缘世界杯决赛 地产开发商被控向哥哥行贿近1200万 消防员刘明竹荣立个人一等功 夺冠的天工机器人有啥“秘密武器” 机器人起跑后龟速挪动如“太奶” “80后”男子帮老人洗澡月入两万 被问与中国接触细节特朗普让别人答 广西恒宸球员宁伟辰被禁赛3场 《成家》秦岚新官上任天崩开局 美国各地农民面临破产风险 大学老师因酷似刘亦菲走红

    查看更多评价 ∨