上证深一度 | 银行网点“腾笼换鸟” 一边批量关停 一边新设补位

Core Viewpoint - The trend of physical bank branches is not a continuous decline as previously expected, but rather a structural improvement with both closures and new openings, indicating a transformation in the banking sector [1][2]. Group 1: Bank Branch Dynamics - In 2025, over 8,000 bank branches are expected to close, while more than 8,400 new branches will be established, leading to a net increase in the number of bank branches [2]. - The closures primarily involve older, less efficient branches that are far from communities and can be fully replaced by online services [3]. - The new branches are often integrated into communities, providing diverse services such as financial consultations and community activities, thus becoming local "convenience centers" [1][2]. Group 2: Reasons for New Branch Openings - The increase in new branches is driven by the rural revitalization strategy, with a significant proportion located in county-level and below areas [2]. - Mergers and acquisitions in the banking sector have led to the transformation of village banks into branch institutions, contributing to the growth of new branches [2]. - There is a focus on serving niche customer groups and enhancing service scenarios that online channels cannot adequately cover [2]. Group 3: Branch Functionality and Transformation - The closures of inefficient branches are aimed at reallocating resources to areas that require more in-person services, such as elderly and inclusive finance [3]. - The banking industry is reassessing the functions of physical branches, with a shift towards digitalization and cost efficiency, as traditional services are increasingly replaced by online channels [4]. - New branches are adopting a more intelligent, lightweight, and specialized approach, focusing on services for the elderly, inclusive finance, and small enterprises [7]. Group 4: Regulatory and Strategic Considerations - Regulatory bodies emphasize the need for banks to ensure the availability of physical branches in rural areas while balancing economic and social benefits [5]. - Banks are encouraged to avoid redundant constructions and over-competition while addressing potential financial exclusion caused by branch closures [5]. - The future of bank branches is seen as a combination of digital and community services, providing both efficient transactions and personalized service [7].