银行网点增减应以便民为本

Core Viewpoint - The changes in bank branches are closely related to people's lives, with a reported 8,592 branches approved for closure and 6,859 new branches opened as of October 24 this year. The reduction of branches is seen as a trend driven by technological advancements, but this perspective is considered a misunderstanding. The necessity for direct human interaction remains, and certain complex financial transactions must still be conducted in person, making physical branches essential for financial services [1]. Group 1: Branch Changes - The reduction and addition of bank branches should follow the logic of being convenient and beneficial to the public while reducing costs and increasing efficiency. The user experience and service quality are crucial for banks to maintain market stability and growth, with physical branches being a key service channel [1][2]. Group 2: Branch Location and Configuration - Branches should be located in areas with demand but insufficient supply. The closure of some branches is a correction of previous expansive operating strategies. New branches are necessary to enhance financial service coverage, particularly in rural areas. The adjustment of branch resources should align with local economic and social resources [2]. - Branches can optimize services for the growing elderly population by improving the service environment, such as providing magnifying glasses and user-friendly self-service devices. They also serve as direct channels for banks to understand customer needs and assist elderly users in adopting new technologies [3]. Group 3: Branch Efficiency - Improving service efficiency is essential to address customer complaints about long wait times. Banks can enhance operational management and effectively guide customers to self-service areas during peak times. The human resources saved through digital services can be redirected to provide comprehensive services, such as financial consulting and knowledge dissemination, thereby improving the overall service capability of branches [3].