According to the information disclosed on the cbcircs official website, 1332 bank outlets nationwide have ceased business in the first half of 2020. According to the statistics from the financial license information platform of the CIRC, the reporter found that since July this year, as of November 19, the withdrawal list of commercial banks showed that a total of 1430 bank outlets had ceased business. This means that 2762 bank outlets have been closed this year.
In recent years, the number of outlets is gradually decreasing. Looking at the annual reports of some banks in recent years, the reporter found that the number of bank outlets showed a trend of continuous reduction. Taking industrial behavior as an example, the number of business outlets of the bank was 16429, 16092, 16004 and 15784 at the end of each year from 2016 to 2019.
In addition to the difficulty in making profits, the relevant person in charge of a joint-stock bank in a third tier city told reporters that one of the important reasons for the banks to speed up the exit of inefficient outlets is the high operating costs. Take a small expenditure as an example. It costs 5 million to 10 million yuan a year, including a series of costs such as personnel, space and office equipment.
Dong ximiao told the Securities Daily that in recent years, with the vigorous development of financial technology and profound changes in customer behavior, the functions and services of bank outlets are facing a huge impact. On the one hand, the Internet and information technology provide strong support for mobile banking, intelligent customer service and other service modes. On the other hand, customer behavior is changing, more and more customers prefer digital and mobile service experience, and it is difficult for outlets to meet the needs of customers to obtain services anytime and anywhere.
Offline business volume reduction
Accelerating online transformation
The accelerated closure of bank outlets is also the result of banks increasing online and offline integrated operation in recent years.
Originally, the daily passenger flow of our outlets is about 100 people, and now the daily passenger flow is dozens of people. The person in charge of a branch outlet told the reporter: now the personal business handled by the counter is obviously reduced. In addition to the necessary cash business, customers are basically accustomed to online processing, and most of the people who come to the counter to handle it are some old people and enterprise customers.
While developing online business, banks continue to promote the intelligent transformation of offline outlets. It is understood that through the introduction of self-service equipment such as smart teller machines, smart cash teller machines and ATM machines, we can achieve service free of queuing, waiting and manual work, and promote the transformation of outlets.
Securities Daily reporter in Haidian District a large state-owned bank branch outlets found that compared with a year ago, the pattern of bank hall has changed significantly. In addition to the counter and part of the waiting area reserved, other spaces have been transformed into intelligent service areas, and a number of intelligent teller machines have become the staff of bank outlets.
Of course, the rapid development of mobile banking and online banking does not mean the demise of traditional offline outlets.
He further said that the next step is to promote the transformation of outlets to light, intelligent and scene oriented, improve radiation capability and service tension, and provide customers with AAA (anytime, anywhere, any how) services at any time, anywhere and in any way together with online channels. More importantly, we should take this as an opportunity to promote the transformation of banks from fund intermediary to service intermediary, and become a comprehensive provider of financial services, so as to meet the diversified and personalized needs of financial consumers.