Cai Jing Wang·2026-02-06 11:01Industry Focus - The China Banking Association has released guidelines to regulate the collection behavior of credit card and personal consumer loan collections, aiming to promote healthy industry development. The guidelines clarify issues such as collection timing, reasonable frequency, and channels for obtaining contact information, establishing quantitative standards and specific definitions [1] Corporate Dynamics - Citic Bank plans to increase its capital contribution to Citic Financial Leasing by 2 billion yuan, raising the registered capital from 10 billion yuan to 12 billion yuan. This marks the second capital increase for Citic Financial Leasing by Citic Bank in a year [4] Financial Personnel - Qingdao Rural Commercial Bank has elected Liang Yanbo as the chairman of its fifth board of directors, pending approval from the Qingdao Financial Regulatory Bureau [5] - Ningbo Bank has received approval from the Ningbo Financial Regulatory Bureau for Fu Wensheng to serve as the vice president [6] - Guangfa Bank has received approval for Lin Zhaohui to serve as the director, vice chairman, and president, effective from January 30, 2026 [7] - The credit card center of Bank of Communications has appointed He Bo, the former vice president of the Zhejiang branch, as the new general manager, pending regulatory approval [8] - Bai Xiaodong has been appointed as the party secretary of Beijing Rural Commercial Bank, as announced during the bank's recent meeting [9] Market Trends - Despite an overall downward trend in market interest rates, many small and medium-sized banks have raised deposit rates by 5 to 20 basis points ahead of the Spring Festival, with some banks launching limited-time exclusive deposit products [3] Gold Market - Following a significant drop in gold prices, several banks have issued risk warnings and adjusted the entry thresholds for gold-related businesses, including increasing the minimum purchase amount for gold accumulation products [2]