2025年逾1万家银行网点关闭 降本增效同时还需做好服务

Core Insights - The number of bank branches in China is projected to decrease by over 2,000 in 2025, with more than 11,000 branches approved for closure and over 8,400 new branches approved for establishment [1][2]. Group 1: Bank Branch Reductions - The reduction in bank branches is primarily driven by the reform of small financial institutions and the proactive closure of inefficient branches by banks [1]. - Rural credit cooperatives and village banks are the main contributors to the decline, with approximately 2,200 rural credit cooperative branches and nearly 1,000 village bank branches closing [2]. - The ongoing reform of provincial rural commercial banks and the consolidation of small financial institutions are significant factors in the branch reductions [2]. Group 2: Large Bank Branch Changes - Both state-owned and joint-stock banks have experienced a net decrease in branch numbers, with state-owned banks opening around 300 new branches while closing over 700, and joint-stock banks opening over 200 while closing more than 300 [3]. - The decline in physical branches is attributed to the shift in customer behavior towards digital banking, with over 90% of basic services now conducted online, leading to a significant drop in counter service demand [3]. Group 3: Operational Costs and Efficiency - The operational costs of bank branches are notably high, with annual costs in third-tier cities reaching several million yuan [4]. - Many secondary branches, which primarily handle liabilities and personal business, have limited profitability but still incur average operational costs, often resulting in losses [4]. Group 4: Service Optimization and Social Responsibility - While closing inefficient branches can enhance profitability, banks must also consider the hidden value of branches in brand representation and customer service [5]. - To address the challenges posed by branch closures, banks are encouraged to develop a comprehensive service network that includes online, offline, and mobile services, particularly for elderly and rural customers [5][6]. - Recommendations include creating user-friendly apps for older adults, establishing financial service points in communities, and ensuring that essential services remain accessible to vulnerable groups [5][6].