2025年逾1万家银行网点关闭

Core Viewpoint - The reduction in bank branches in China is primarily driven by the reform of small financial institutions and the proactive closure of inefficient branches by banks, resulting in a net decrease of over 2,000 branches by 2025 [1][2][3] Group 1: Bank Branch Reduction - By 2025, over 11,000 bank branches are approved to exit, while more than 8,400 new branches are set to be established, leading to a net reduction of over 2,000 branches [1] - The decrease in bank branches is mainly attributed to rural credit cooperatives and village banks, with rural credit cooperatives reducing by approximately 2,200 branches and village banks by nearly 1,000 branches [1][2] - The restructuring of provincial rural commercial banks and the merger of small financial institutions are significant factors contributing to the reduction [1][2] Group 2: Large Bank Branch Changes - Both state-owned large banks and joint-stock banks have experienced a net decrease in branch numbers, with state-owned banks establishing around 300 branches and closing over 700, while joint-stock banks opened over 200 and closed more than 300 [2][3] Group 3: Cost and Efficiency Pressures - The optimization of branch layouts and closure of inefficient branches are seen as necessary due to profit growth challenges and regulatory demands for cost reduction [3] - The shift towards digital banking has significantly reduced the necessity for physical branches, with over 90% of basic banking services now available online [3] - The operational costs of physical branches are high, with annual costs in third-tier cities reaching several million yuan, making many secondary branches unprofitable [3] Group 4: Financial Service Optimization - While closing inefficient branches can enhance profitability, banks must also consider the hidden value of branches in brand representation and customer service [4] - To address the needs of elderly and rural populations, banks should develop user-friendly technology and maintain core service capabilities at key branches [4] - Regulatory bodies are encouraged to implement policies ensuring that banks provide alternative services when closing branches, balancing commercial interests with social responsibilities [4]