淮安农商银行党委委员、副行长蔡媛对该行网点转型方案进行了重点阐述和解读。张超 为深入贯彻落实江苏农商联合银行关于全省网点改革转型的决策部署，扎实推动淮安农商银行网点转型 工作平稳有序、精准有力、富有成效，近日，淮安农商银行召开网点转型工作启动推进会，总行领导班 子成员，各区域支行、部室负责人参加会议。 淮安农商银行党委副书记、行长李雷从三个方面对全行网点转型工作作出部署要求。一是"因何而转"。 推动全行网点转型，是深入贯彻落实联合银行党委决策部署的务实举措，是积极应对市场竞争、顺应客 户需求变化、破解自身发展瓶颈的必然选择，通过重塑网点架构，激发网点活力、优化网点资源配置， 对提高网点产能、全面提升金融服务质效、巩固和提升农村金融主力军地位具有重要意义。二是"转向 何处"。要聚焦联合银行关于"打造智能化、轻型化、销售型、体验型的新型网点"的目标要求，对全辖 网点的功能定位、服务模式、运营管理、生态构建进行有方向、有目标的战略升级，争取利用三年时间 实现大部分网点由"交易处理型"向"服务营销型"、由"分散运营型"向"集约效能型"、由"被动服务 型"向"主动下沉型"转变，将网点打造成为区域内更具特色竞争力、更有客 ...

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].