Workflow
金融机构调整网点布局折射加速转型
Jing Ji Ri Bao·2025-05-05 22:10

Core Viewpoint - The adjustment of physical branch networks by financial institutions is a dynamic process influenced by service demand changes and strategic business considerations, rather than merely a sign of business contraction [1][3]. Group 1: Branch Network Adjustments - In 2024, large commercial banks and national joint-stock commercial banks closed over 300 branches, but the average closure per city is minimal, suggesting negligible impact on consumer experience [1]. - Many commercial banks are reducing large branch numbers in first-tier cities while increasing community branch presence, enhancing convenience for consumers [1]. Group 2: Service Efficiency and Digital Transformation - Financial institutions are focusing on improving service efficiency by differentiating cash and non-cash service counters and promoting digital banking options, which saves time for customers and reduces operational costs [2]. - The insurance industry has seen over 90% of its services move online, making physical branches less critical, as services can now be accessed via mobile devices [2]. Group 3: Regulatory Guidance and Market Dynamics - Regulatory bodies are guiding banks to scientifically layout their branches to avoid excessive competition and resource waste, especially in areas already served by multiple banks [3]. - The effectiveness of financial services is not solely dependent on the number of physical branches but rather on meeting diverse consumer needs through both online and offline channels [3].