瘦身 补位 提质 银行网点转型进入深水区

Core Insights - The banking sector is undergoing a significant structural transformation in physical branch networks due to the rise of fintech and increasing industry competition [1][2][3] Group 1: Branch Network Reduction - In 2025, over 11,000 bank branches were approved for closure, with nearly 8,000 being commercial bank branches, marking a substantial increase from 2,483 closures in 2024 [2][3] - The closure of inefficient branches is driven by the deep penetration of digital transformation and the need for banks to adapt their operational strategies [2][3] - The exit of branches includes 2,211 rural credit cooperative branches, with significant reductions in village banks and rural cooperative banks, indicating a trend towards optimizing branch networks [3] Group 2: New Branch Openings - In 2025, 8,548 new bank branches were established, surpassing the number of branches that closed, indicating a shift towards quality over quantity in branch networks [4] - The focus has shifted from expansion to structural optimization, with state-owned banks emphasizing the enhancement of branch coverage in rural areas to align with rural revitalization and inclusive finance strategies [4][5] Group 3: Value Creation and Service Enhancement - The transformation of bank branches aims to redefine their roles, moving from mere transaction processing to value creation through enhanced services [6][7] - Banks are increasingly focusing on creating specialized branches that cater to specific sectors such as technology finance, green finance, and elder finance, thereby improving service capabilities [6] - Initiatives like the establishment of green low-carbon branches by banks highlight the industry's commitment to sustainability and innovation in service delivery [6]