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2015年，廣(guang)西(xi)農(nong)信社改革發展再(zai)上新(xin)臺階，截至12月末，資產(chan)總額(e)在全區銀行業率先突破7000億元，余(yu)額(e)達(da)7036億元，比年初增加881億元，增長(chang)14.33%，是廣(guang)西(xi)資產(chan)規模最大的銀行業金融機構。

一(yi)是堅(jian)(jian)持市(shi)場定位，加大支(zhi)(zhi)農(nong)(nong)(nong)支(zhi)(zhi)小力(li)度。該社(she)(she)堅(jian)(jian)持“立(li)足(zu)縣(xian)域(yu)、服務社(she)(she)區(qu)、支(zhi)(zhi)農(nong)(nong)(nong)支(zhi)(zhi)小”的(de)市(shi)場定位，積極(ji)策應自治區(qu)黨委、政(zheng)府發展戰略，持續做好農(nong)(nong)(nong)戶(hu)(hu)小額信用貸款(kuan)、下崗再(zai)就(jiu)業(ye)(ye)貸款(kuan)、返(fan)鄉農(nong)(nong)(nong)民工創業(ye)(ye)貸款(kuan)、農(nong)(nong)(nong)村青年創業(ye)(ye)貸款(kuan)等產品提升工作(zuo)，為(wei)支(zhi)(zhi)持大眾創業(ye)(ye)、萬眾創新提供(gong)金融(rong)(rong)服務。該社(she)(she)每年以占(zhan)廣西19%左右的(de)存款(kuan)資(zi)金，發放了(le)占(zhan)全區(qu)銀行機(ji)構(gou)66%的(de)農(nong)(nong)(nong)戶(hu)(hu)貸款(kuan)、近50%的(de)涉(she)農(nong)(nong)(nong)和(he)(he)小微企業(ye)(ye)貸款(kuan)、60%以上(shang)的(de)扶貧龍頭企業(ye)(ye)貸款(kuan)，為(wei)我區(qu)“三農(nong)(nong)(nong)”和(he)(he)地方經濟(ji)發展提供(gong)了(le)有(you)力(li)的(de)金融(rong)(rong)支(zhi)(zhi)撐，成(cheng)為(wei)支(zhi)(zhi)持“三農(nong)(nong)(nong)”、小微企業(ye)(ye)和(he)(he)廣西區(qu)域(yu)經濟(ji)社(she)(she)會(hui)發展的(de)重要金融(rong)(rong)力(li)量。

二是拓(tuo)展普惠(hui)(hui)(hui)金(jin)(jin)(jin)融(rong)(rong)，提(ti)升金(jin)(jin)(jin)融(rong)(rong)服(fu)(fu)務(wu)(wu)(wu)水平。該(gai)社(she)堅持以客戶(hu)(hu)為中心，大(da)力(li)拓(tuo)展普惠(hui)(hui)(hui)金(jin)(jin)(jin)融(rong)(rong)，降低(di)消(xiao)費者(zhe)金(jin)(jin)(jin)融(rong)(rong)服(fu)(fu)務(wu)(wu)(wu)成(cheng)本(ben)，實施(shi)“履(lv)行責任，讓利(li)于民(min)(min)(min)”工程(cheng)，在廣西(xi)實現(xian)北部(bu)灣(wan)經濟區(qu)四市(shi)銀行服(fu)(fu)務(wu)(wu)(wu)收費同城化，2014年(nian)1月1日起，推出(chu)免收桂盛卡(ka)全(quan)球ATM取款手(shou)續費等17項(xiang)便民(min)(min)(min)惠(hui)(hui)(hui)民(min)(min)(min)措(cuo)施(shi)，僅此(ci)項(xiang)普惠(hui)(hui)(hui)服(fu)(fu)務(wu)(wu)(wu)的(de)推出(chu)，每年(nian)向客戶(hu)(hu)讓利(li)3億(yi)元，進一步降低(di)了(le)客戶(hu)(hu)金(jin)(jin)(jin)融(rong)(rong)服(fu)(fu)務(wu)(wu)(wu)成(cheng)本(ben)。為廣西(xi)近千萬農(nong)戶(hu)(hu)建立(li)了(le)“中國農(nong)民(min)(min)(min)直補網”，成(cheng)為代(dai)理政府發(fa)(fa)放各(ge)項(xiang)支(zhi)農(nong)惠(hui)(hui)(hui)農(nong)惠(hui)(hui)(hui)民(min)(min)(min)補助（貼(tie)）主(zhu)辦銀行，成(cheng)為落實全(quan)區(qu)惠(hui)(hui)(hui)農(nong)政策的(de)重(zhong)要窗(chuang)口和(he)聯(lian)系農(nong)民(min)(min)(min)最緊密(mi)的(de)金(jin)(jin)(jin)融(rong)(rong)紐帶。為客戶(hu)(hu)提(ti)供效(xiao)率高、成(cheng)本(ben)低(di)的(de)現(xian)代(dai)普惠(hui)(hui)(hui)金(jin)(jin)(jin)融(rong)(rong)服(fu)(fu)務(wu)(wu)(wu)，建成(cheng)了(le)廣西(xi)最大(da)、也是唯一實現(xian)市(shi)—縣(xian)—鄉—村(cun)（街道）全(quan)覆蓋的(de)普惠(hui)(hui)(hui)金(jin)(jin)(jin)融(rong)(rong)體系。目(mu)前(qian)，農(nong)信(xin)社(she)已發(fa)(fa)展成(cheng)為全(quan)區(qu)機(ji)構網點最多、業務(wu)(wu)(wu)規模最大(da)、客戶(hu)(hu)資(zi)源最廣的(de)地方銀行，成(cheng)為落實國家支(zhi)農(nong)政策和(he)自治區(qu)黨委、政府發(fa)(fa)展戰(zhan)略最重(zhong)要的(de)金(jin)(jin)(jin)融(rong)(rong)抓手(shou)，成(cheng)為對全(quan)區(qu)稅收貢獻最大(da)的(de)銀行機(ji)構。

三是加快(kuai)產權改(gai)(gai)革，提升綜合競爭力(li)。廣西(xi)農(nong)(nong)信(xin)社深入推(tui)動產權制度改(gai)(gai)革，農(nong)(nong)村(cun)銀(yin)(yin)(yin)行(xing)(xing)(xing)改(gai)(gai)制工作走在西(xi)部(bu)乃(nai)至(zhi)全(quan)國(guo)前(qian)列(lie)。2015年(nian)，重點推(tui)進(jin)以(yi)沿邊機構(gou)為主的10家(jia)(jia)縣域農(nong)(nong)信(xin)社改(gai)(gai)制組建農(nong)(nong)村(cun)商(shang)業銀(yin)(yin)(yin)行(xing)(xing)(xing)，目前(qian)，崇左轄區(qu)(qu)7家(jia)(jia)縣級農(nong)(nong)合機構(gou)全(quan)部(bu)改(gai)(gai)制為農(nong)(nong)商(shang)行(xing)(xing)(xing)，成為全(quan)區(qu)(qu)第一個農(nong)(nong)商(shang)行(xing)(xing)(xing)全(quan)覆蓋(gai)的地級市(shi)。2015年(nian)全(quan)區(qu)(qu)已組建41家(jia)(jia)農(nong)(nong)村(cun)銀(yin)(yin)(yin)行(xing)(xing)(xing)，占比達45.05%，農(nong)(nong)村(cun)銀(yin)(yin)(yin)行(xing)(xing)(xing)家(jia)(jia)數占比位居西(xi)部(bu)乃(nai)至(zhi)全(quan)國(guo)前(qian)列(lie)。岑溪、臨桂2家(jia)(jia)農(nong)(nong)商(shang)行(xing)(xing)(xing)獲選為中(zhong)國(guo)銀(yin)(yin)(yin)監會2015年(nian)度標桿銀(yin)(yin)(yin)行(xing)(xing)(xing)。全(quan)區(qu)(qu)農(nong)(nong)信(xin)社嚴格按照銀(yin)(yin)(yin)監部(bu)門的相(xiang)關規定和要求規范(fan)開展(zhan)增資擴(kuo)股(gu)(gu)工作，農(nong)(nong)信(xin)社股(gu)(gu)權結構(gou)逐(zhu)步邁向多元(yuan)化(hua)、本土化(hua)和涉農(nong)(nong)化(hua)，股(gu)(gu)權結構(gou)進(jin)一步優(you)化(hua)，資本實(shi)力(li)明顯增強，有效提升了核(he)心競爭力(li)。