【Fintech 周报】互联网消费贷上限提至30万元；国有四大行春招缩编；去年银行业金融机构法人减少195家

Regulatory Dynamics - The upper limit for personal internet consumer loans has been raised to 300,000 yuan, with potential increases to 500,000 yuan for clients with good credit and high consumption needs [3] - The People's Bank of China emphasizes the need for a secure and efficient financial infrastructure, promoting the application of AI models in the financial sector [4] Industry Dynamics - The four major state-owned banks in China have reduced their spring recruitment plans for 2025, with significant cuts in hiring numbers compared to the previous year [6] - The number of banking institutions in China decreased by 195 in 2024, reflecting ongoing structural reforms in the banking sector [7] Corporate Performance - Zhaolian Consumer Finance reported a net profit of 3.016 billion yuan for 2024, with total assets reaching 163.751 billion yuan [10] - Traffic Bank's total assets grew to 14.90 trillion yuan in 2024, with a net profit of 93.586 billion yuan, marking a slight increase from the previous year [10] - Tianjin Bank achieved a net profit of 3.829 billion yuan in 2024, with total assets increasing by 10.1% [11] - Chongqing Bank's non-interest income rose by 26.72% year-on-year, with total assets reaching 856.642 billion yuan [11] International Dynamics - Pakistan plans to create a legal framework for cryptocurrency trading to attract international investment and develop its local ecosystem [14] - Deutsche Bank announced plans to further reduce the number of branches and cut approximately 2,000 jobs to lower costs [14]