Di Yi Cai Jing·2025-09-04 13:04Core Insights - The banking sector's compensation reform has shifted from "controlling high" to a dual focus on "lowering" and "risk constraints" [1] - The average monthly salary for bank employees in the first half of 2025 was 30,200 yuan, a slight increase of 1,300 yuan year-on-year [2][5] - A total of 42 banks reported a decline in management salaries, with the highest drop reaching 82.4% [6][8] Salary Structure - The banking industry has formed a salary tier system, with leading joint-stock banks and strong city commercial banks in the first tier, averaging over 45,000 yuan per month [2][4] - Major state-owned banks fall into the second tier, with average monthly salaries ranging from 25,000 to 30,000 yuan [4][5] - Some rural and city commercial banks in remote areas are in the third tier, with average salaries below 25,000 yuan [5] Management Salary Trends - Key management salaries have seen significant reductions, with 33 out of 42 listed banks reporting a decrease in total management compensation [6][8] - For example, Zhengzhou Bank's management compensation dropped from 10,388 million yuan to 5,957 million yuan year-on-year [6] - The trend of management salary cuts is becoming a new norm in the industry, with banks emphasizing value creation and risk management in their compensation structures [7][8] Compensation Reform Mechanisms - Many banks are implementing reverse salary recovery mechanisms to enhance performance accountability [8] - For instance, Zhengzhou Bank has established a mechanism for deferred payment and performance salary recovery to mitigate operational risks [8] - The overall direction of salary distribution is shifting towards grassroots employees, reducing the previous "averaging" phenomenon [8][9] Industry Context - The salary levels of listed banks do not represent the overall banking industry's compensation situation, as many smaller banks have significantly lower average salaries [9] - The banking sector consists of over 4,000 financial institutions, with listed banks being a small fraction of the total [9]