2025年银行业的变革正从表层的网点调整，向深层的结构优化演进。这并非简单的关停，而是一场精准的"瘦身增肌"行动—— 在压降低效网点的同时，以特色化布局重构线下价值。 根据国家金融监管总局的数据显示，2025年，国内商业银行累计关停线下网点约7871家。不过，全年新设商业银行线下网点数 量达8494家，净增加623家，这是近三年来，银行网点首次实现正增长。 | 机构持有列表 | | 近期机构设立情况 | 失控情况 | 机构退出列表 | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 机构名称: | | | | 机构地址: | 流水号: | | | | | | | 请选择 | | V | 请选择 | | | | | | | 机构类型: | 请选择 | A | | 发证机关: > 请选择 | 所在省市: | 请选择 | V | | 查询 | | | | | | | | 请选择 | v | | | | | 请选择 | | V | 请选择 V | | | | | | | | | | | 共查询出 51696 条数据(用 ...

Core Viewpoint - The article discusses the strategic transformation of Huai'an Rural Commercial Bank's branch network to enhance competitiveness and service quality in response to market demands and internal development challenges [1][2]. Group 1: Transformation Objectives - The transformation of the branch network is a practical measure to implement the decisions of the Jiangsu Rural Commercial Bank's leadership, aimed at addressing market competition and customer demand changes [2]. - The goal is to reshape the branch structure to enhance operational capacity and improve financial service quality, thereby solidifying the bank's position as a leading rural financial institution [2]. Group 2: Strategic Focus Areas - The bank aims to create new types of branches that are intelligent, lightweight, sales-oriented, and experience-focused, with a strategic upgrade in functionality, service models, and operational management [2]. - The transformation will involve a shift from transaction processing to service marketing, from decentralized operations to centralized efficiency, and from passive service to proactive engagement over a three-year period [2]. Group 3: Implementation Approach - A comprehensive evaluation of branch effectiveness will be conducted to categorize and assess all branches, creating a roadmap for transformation [2]. - A leadership group will oversee the transformation process, ensuring collaboration across departments, optimizing physical branch layouts, and enhancing online service capabilities [2]. - The bank emphasizes a smooth and orderly transition, adhering to compliance standards and developing replicable transformation models through scientific pilot testing [2].

Core Viewpoint - The rapid decline of physical bank branches in China is driven by the shift towards online banking, cost-cutting measures, and the integration of financial technology, leading to a significant transformation in the banking sector's operational model [1][2][3]. Group 1: Bank Branch Exit Statistics - As of June 2023, 2,677 bank branches have been approved for closure, surpassing the total number of closures in 2022 (2,483 branches) [1]. - The majority of branch closures are attributed to cost-effectiveness pressures, with individual branch operating costs ranging from 2 million to 5 million yuan, and total costs nearing 10 million yuan when including staffing [2]. Group 2: Customer Behavior and Digital Transformation - Customer behavior is increasingly shifting online, with mobile banking and corporate online banking users reaching 88%, and over 90% of high-frequency transactions being conducted online [2]. - The foot traffic in physical branches has decreased by 60% over the past five years, indicating a significant migration to digital channels [2]. Group 3: Reasons for Branch Closures - The closure of branches is primarily due to insufficient customer traffic and overlapping service areas, with over 60% of closed branches categorized as low-efficiency [2]. - The restructuring and merging of small banks, particularly rural commercial banks, are also contributing factors, with 89 village banks absorbed by their parent institutions in the first half of 2025 [2]. Group 4: Future Development of Bank Branches - Future bank branches are expected to transition from transaction processing to enhancing customer experience, incorporating remote video advisors and smart terminals [4]. - The focus of bank operations will shift towards high-net-worth client wealth management and complex services for small and medium-sized enterprises [4]. - Banks will also explore innovative forms such as metaverse banking and AI customer service, aiming for a seamless integration of online and offline services [4]. Group 5: Importance of Physical Branches - Despite the reduction in physical branches, they remain essential for combining online and offline services, providing community financial services with a human touch [5].