今年已有8000多家银行网点关闭

Core Viewpoint - The banking sector is undergoing a significant transformation in its branch network, characterized by a dual approach of "shrinking" while "growing" in functionality, with a notable increase in branch closures and openings focused on specialized services [1][5]. Group 1: Branch Closures and Openings - As of October 24, 2023, a total of 8,592 bank branches have been approved for closure, representing an increase of nearly 200% compared to 2,677 closures in the previous year [1][2]. - In the fourth quarter alone, 601 branches have been approved for closure, which is an increase of 511 compared to the same period last year [2][4]. - Despite the closures, 6,859 new branches have been opened, emphasizing a trend towards specialized and functional banking services [1]. Group 2: Impact of Digitalization - The primary reason for the accelerated closure of bank branches is the impact of digitalization, with mobile and online banking leading to a significant decline in traditional branch business volume, particularly in cash and basic counter services [5]. - The operational costs of traditional branches are high, with individual branches incurring annual costs of several million yuan, while business volume has decreased by over 70% in some cases [5]. Group 3: Transformation of Branch Functions - The banking sector is shifting from a focus on quantity to optimizing branch structures, with an emphasis on reducing physical branches to control operational costs while investing in smart and experiential branches [7]. - Future branches are expected to focus more on wealth management, corporate finance, and community services, creating integrated service spaces that combine finance with lifestyle [7][9]. - Over 90% of branches have implemented smart teller machines, and some have introduced remote video customer service and VR experience zones [7]. Group 4: Case Studies of Innovative Branches - Examples of innovative branches include the establishment of a specialized automotive finance branch by Industrial Bank in Guangzhou, which aims to serve over 200 automotive companies and provide financing of no less than 10 billion yuan by the end of 2027 [8][10]. - Agricultural Bank of China has launched dedicated branches for the new energy vehicle industry, providing specialized financial services and support to key players in the sector, with credit support exceeding 73.7 billion yuan [10]. Group 5: Future Outlook - The future of bank branches is envisioned as interactive points for customer engagement and brand representation, with a consensus among banks on the need for transformation while balancing costs and customer experience [10]. - Although the number of branches is expected to continue decreasing, particularly in first- and second-tier cities, the pace of closures will slow, and branch operations will become more differentiated and scientifically planned [10].