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Core Insights - The banking sector is experiencing a significant wave of branch closures, with over 9,900 bank branches ceasing operations this year, primarily affecting rural commercial banks, rural credit cooperatives, and village banks [1][2] - The trend reflects both the impact of financial technology on service delivery and the pressures faced by small and medium-sized banks, particularly rural financial institutions, in their reform and digital transformation efforts [1][2] Group 1: Branch Closures - Over 9,900 bank branches have closed this year, with rural commercial banks accounting for more than 55% of these closures [1] - The closures are a proactive choice by small banks to address risks, as many rural banks have faced issues such as weak internal controls and governance [1] - Regulatory bodies are pushing for mergers and restructuring, leading to the market exit of high-risk institutions, with over 370 banks merging or dissolving this year, predominantly village banks [1] Group 2: Impact of Financial Technology - The penetration rate of mobile banking is nearing 90%, with over 80% of personal banking services now available online [2] - The number of ATMs has decreased by over 250,000 in the past five years, highlighting the cost disparity between traditional branch operations and online services [2] - Despite branch reductions, physical locations still hold value for older customers who prefer in-person services for complex transactions [2] Group 3: Future of Bank Branches - Future bank branches are expected to transition towards "intelligent, lightweight, and human-centered" models, focusing on wealth management and complex services [3] - A "human-machine integration" approach will be adopted, combining smart devices with professional services, especially in rural areas [3] - The current adjustments in bank branches signify a profound transformation in the banking industry, moving from expansion to refined operations and from risk accumulation to risk management [3]