【Fintech 周报】上半年银行业人均月薪3.02万；建行原副行长章更生被公诉；花旗中国退出银联资格

Regulatory Dynamics - The National Financial Regulatory Administration has revised the "Insurance Company Capital Guarantee Management Measures" for the first time in ten years, allowing all types of commercial banks to serve as deposit banks for capital guarantees, which previously had restrictions [2] - Former Vice President of China Construction Bank, Zhang Gengsheng, has been prosecuted for bribery and illegal loan issuance, leading to significant financial losses [3] Industry Dynamics - A total of 24 wealth management companies reported a combined net profit of 15.67 billion yuan for the first half of 2025, with many companies showing growth while some experienced declines [4] - The average monthly salary in the banking industry reached 30,200 yuan in the first half of 2025, with a trend of salary reductions among senior management [5][6] - Credit card loan balances for 15 listed banks decreased by 196.1 billion yuan, a decline of 2.52% compared to the beginning of the year, indicating a cooling in credit card business activity [6] - Industrial and Commercial Bank of China led the investment income rankings among banks, with several banks achieving over 20 billion yuan in investment income [7] Corporate Dynamics - Agricultural Bank of China has surpassed Industrial and Commercial Bank of China in total market capitalization, reaching approximately 2.55 trillion yuan [8] - Twelve executives from Suzhou Bank collectively invested at least 4.2 million yuan in the bank's shares [9] - Huaxia Bank accepted an administrative penalty of 87.25 million yuan due to non-compliance in loan and other business management [10] - Citibank China has responded to the termination of its UnionPay membership, stating that its corporate business remains unaffected [11] Financial Report Dynamics - Twenty-one consumer finance companies reported total assets of 1.25 trillion yuan and a significant disparity in net profits, with the highest and lowest differing by 500 times [12] - Waterdrop Inc. reported a net profit of 140 million yuan for Q2 2025, marking a 58.7% year-on-year increase [12] - Financial Technology's small loan division reported a net profit of 6.8 million yuan, a decline of 56.38% year-on-year [13] - Lakala's revenue and net profit both decreased in the first half of 2025, with revenue down 11.1% and net profit down 45.3% [14]