银行业从“渠道竞争”转型“生态竞争”

Core Viewpoint - Postal Savings Bank of China has announced the absorption and merger of Postal Huinong Bank, aiming to enhance operational efficiency and resource allocation in the banking sector [1][2]. Group 1: Company Actions - The shareholders of Postal Savings Bank approved the merger proposal on October 9, which is expected to lower operational costs and facilitate centralized customer data management [1]. - The merger will integrate Postal Huinong Bank's online operational experience into Postal Savings Bank, strengthening its online business capabilities [1]. - The merger aims to optimize resource allocation by injecting new talent and business resources from Postal Huinong Bank into Postal Savings Bank [1]. Group 2: Industry Trends - Several banks have been shutting down or integrating their direct banking services, indicating a shift in the banking landscape towards a more integrated model [2]. - The independent direct banking model has not developed a complete service ecosystem, leading to redundancy and resource waste for traditional banks [2]. - The trend towards merging direct banks into traditional banking structures reflects a new phase of development reliant on the parent bank's mobile ecosystem [2]. Group 3: Digital Transformation - The evolution of direct banks represents a phase in the digital transformation of the banking industry, with a focus on deep ecological restructuring rather than just channel innovation [3]. - Traditional banks are encouraged to leverage their existing service channels and explore integration into various life scenarios using digital technology [3]. - The future of banking will involve a combination of online and offline services, with an emphasis on enhancing management through AI technology [3].