2025年银行网点关闭7871家，新开8494家

Core Viewpoint - The transformation of the banking industry in 2025 is evolving from superficial adjustments of branches to deep structural optimization, characterized by a "slimming and muscle-building" approach, where inefficient branches are closed while new, specialized branches are established to reconstruct offline value [1][5]. Group 1: Branch Closure and Establishment - In 2025, a total of 7,871 bank branches were closed, while 8,494 new branches were established, resulting in a net increase of 623 branches, marking the first positive growth in branch numbers in three years [1][5]. - The closure rate of bank branches accelerated in 2024, with 2,483 branches closed compared to 2,649 in 2023, indicating that the total number of closures in 2025 exceeded the sum of the previous two years [2][5]. - Inner Mongolia had the highest number of branch closures due to regulatory approvals for mergers and dissolutions, totaling 2,400 branches, linked to the large-scale integration of local rural credit systems [2]. Group 2: Impact of Digital Banking - The rise of mobile banking has led to a significant decline in the business volume of traditional branches, with some experiencing a drop of over 70% in counter services [3][6]. - The operational costs of individual branches can reach several million yuan annually, contributing to a cost-revenue imbalance as transaction volumes decrease [3]. Group 3: Future Branch Strategy - Banks are focusing on transforming branches into multifunctional service points, emphasizing wealth management, corporate finance, and community services, creating an integrated "finance + lifestyle" service space [5][7]. - Over 90% of branches have implemented smart teller machines, and some have introduced innovative service models like remote video customer service and VR experience zones [6]. - The trend towards specialized branches aims to enhance brand reputation and customer retention, although challenges such as high costs and variable usage rates exist [7]. Group 4: Regulatory Guidance and Market Trends - The financial regulatory authority is guiding banks to ensure the availability of physical branches in rural areas while balancing economic and social benefits, avoiding excessive competition and financial exclusion [6]. - The future of bank branches, especially in first- and second-tier cities, is expected to see a continued reduction in numbers, but at a slower pace, with a more refined and scientific layout and differentiated operations among branches [7].