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，并将此项改革列为年度重点任务。随着此次82家地方机构并入，娄飞鹏认为，河南农商银行的体系规模与网络覆盖将得到进一步扩展，从而更有效地支持农业、小微企业和县域经济的发展，实现“支农支小”的政策定位。　　然而，大规模整合也伴随着挑战，比如部分被合并机构存在不良贷款率始终较高。“这些不良资产的消化和处置将成为河南农商银行短期内的重点任务”。娄飞鹏指出，“不良资产分布在不同的地市和机构中，涉及多种行业和

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