中国证券报记者根据金融监管总局网站"金融许可证信息"栏目披露的信息统计，2025年，共有超1.1万 家银行线下网点获准退出，超8400家线下网点获准设立。这意味着，2025年银行网点数量净减少逾2000 家。 业内人士分析，银行网点数量减少主要由中小金融机构改革化险和银行主动关闭低效网点两方面因素所 导致。在降本增效的同时，银行也需积极承担社会责任，构建"线上+线下+移动"的立体服务网络。 农村信用社网点减少逾2000家 记者统计发现，2025年银行网点的减少主要由农村信用社、村镇银行网点减少所导致。其中，农村信用 社网点减少2200家左右，村镇银行网点减少近1000家，农村合作银行网点减少近100家。 业内人士表示，这与2025年省级农商银行改制推进和村镇银行等中小金融机构通过"村改分""村改支"等 形式合并重组有关。 2025年，中央一号文件连续第六年强调，"一省一策"加快农村信用社改革，稳妥有序推进村镇银行改革 重组。目前已有十余个省份的省联社改制路径明确，河南、内蒙古、甘肃、新疆、吉林等省份推行了统 一法人模式改革，即成立省级农商行，吸收合并地方农村金融机构。此外，多家国有大行在2025年推进 了"村 ...

党的二十届四中全会提出，坚持尽力而为、量力而行，加强普惠性、基础性、兜底性民生建设，解决好 人民群众急难愁盼问题，畅通社会流动渠道，提高人民生活品质。近年来，在政策引领下，金融机构聚 焦百姓身边事，广泛开展"为民办实事"行动，旨在提升金融服务可及性，更好守护群众"钱袋子"。 这些举措"实"在哪里？效果如何？我们听听消费者的心声。 增民利、解民忧，政策有温度 【镜头】 防欺诈、除隐忧，筑牢"防火墙" 【镜头】 "听说按照新政策，继承5万元以下的小额存款可以免公证。我去银行办理时，却没那么顺利。"最近， 在湖北武汉市青山区，80多岁的王建军和老伴到一家银行网点，办理已故亲属存款的继承事宜。本以为 很快能办完，没成想，银行工作人员却告知其无法按照小额遗产继承方式便利提取存款，需要公证继 承。 "一开始我也纳闷儿，这个账户存款不多，应该能免公证的。公证除了多费周折，还要花一笔钱。"王大 爷一头雾水，忙向银行工作人员追问。 "王大爷提出疑惑后，我们进一步核实存款明细，发现该账户近期转入一笔上万元的社保丧葬补助金， 加上这笔钱后，余额超过了5万元。"银行工作人员说，弄清楚情况后，他们帮助王大爷进行便利提取。 "根据新政策 ...

Core Points - The People's Bank of China released the "Management Measures for Customer Due Diligence and Customer Identity Information and Transaction Record Keeping" on November 28, emphasizing a risk-based approach for financial institutions in customer due diligence [2] - The regulation cancels the previous requirement for individuals to register the source of funds for cash withdrawals exceeding 50,000 yuan, aligning with the earlier draft [2] - Banks will no longer uniformly inquire about the source of funds for all customers during withdrawals; instead, they will assess the risk level to determine if further questioning is necessary [2] - In cases of higher money laundering risk, banks are required to conduct enhanced investigations to understand the source and purpose of funds, while low-risk situations will be subject to simplified measures [2]

Core Viewpoint - The Industrial and Commercial Bank of China Inner Mongolia Branch is enhancing personal loan services to support national policies aimed at boosting consumption and improving financial service accessibility for individuals [1]. Group 1: Service Network Development - The bank has established a three-tier service structure consisting of "personal loan marketing centers - service areas - recommended outlets," creating a service network that radiates from the center, supported by mid-level services, and covers various outlets [2]. - By leveraging a comprehensive range of "housing + non-housing" credit products, the bank is optimizing its product mix to better align with consumer scenarios, making it easier for residents to apply for personal loans [2]. Group 2: Technology Empowerment - The bank is promoting the use of smart tools such as mobile PADs and online personal loan services to enhance customer experience, allowing clients to easily submit loan applications through various digital platforms [3]. - Key performance indicators are dynamically monitored to continuously optimize resource allocation and process efficiency, leading to significant improvements in service delivery [3]. Group 3: Team Capability Enhancement - A specialized training team composed of business experts has been established to improve the quality and effectiveness of customer service at grassroots outlets, focusing on personal loan knowledge, product insights, compliance requirements, and service skills [4]. - Training methods include case analysis and practical simulations to enhance the professional skills and service capabilities of frontline staff, ensuring that customers receive professional and efficient personal loan services at convenient locations [4]. - The bank's efforts to enhance personal loan service capabilities have effectively expanded financial service coverage and significantly improved service efficiency and customer experience [4].

Core Insights - The article highlights the efforts of Nanchuan District in Chongqing to optimize the financial business environment through a "combination of addition, subtraction, multiplication, and division" strategy, aiming to enhance financial services for small and micro enterprises [1][6] Group 1: Financial Support Initiatives - Nanchuan District has established a credit account system to address the financing challenges faced by small enterprises, organizing 16 financing coordination meetings and resolving over 90 issues related to insufficient collateral [2] - Since the implementation of the financing coordination mechanism, Nanchuan has visited 40,500 market entities, resolving over 6,500 financial issues and recommending 9,258 small enterprises for credit, amounting to 13.126 billion yuan [2] Group 2: Cost Reduction Strategies - The district has created a collaborative financing coordination mechanism among government, banks, and enterprises, significantly reducing bank approval times by over 30%, with some loans being disbursed within one working day [3] - A specific case involved a company receiving a credit loan of 1.125 million yuan within one day, with a 90 basis points reduction in loan interest rates, effectively lowering financing costs [3] Group 3: Innovative Financial Products - Nanchuan District is focusing on the cultural tourism and health sectors, launching various specialized credit products such as "Jin Foshang Rural Tourism Loan" and "178 Homestay Loan" to support local businesses [4] - The "Jin Foshang Rural Tourism Loan" has provided 1.08 billion yuan to 322 businesses along the tourism route, enhancing the overall capacity and competitiveness of the tourism industry [4] Group 4: Credit Enhancement Measures - The district has implemented a credit repair mechanism to stimulate market vitality, helping over 100 enterprises resolve litigation risks and successfully assisting five companies in credit restoration [5] - A color-coded management system categorizes enterprises based on credit records and financial health, with 6,221 "green" enterprises being recommended to banks for financing support [5] Future Directions - The Nanchuan District government plans to continue refining its financial strategies, focusing on industry needs and optimizing service processes to enhance financial support for enterprises and drive regional economic development [6]

Core Viewpoint - Minsheng Bank has optimized its small and micro enterprise guarantee letter services to enhance customer experience and support the growth of small businesses in China [1][4]. Group 1: Service Efficiency - Minsheng Bank has implemented an all-online application process for guarantee letters, allowing small enterprises to apply without visiting a branch [2][4]. - The average processing time for guarantee letters has been reduced to within one working day, with urgent requests being completed in as little as half a day [5]. Group 2: Customer Support - Dedicated customer managers provide comprehensive support, including material preparation guidance and real-time answers to queries through a service group [4][5]. - The bank's proactive approach includes pre-auditing required documents to prevent delays in processing [2][4]. Group 3: Customer Experience - Customers have expressed satisfaction with the speed and efficiency of the service, highlighting the bank's understanding of industry needs and the clarity provided regarding contract details [3][5]. - The personalized service and quick turnaround have led to positive feedback from small business owners, reinforcing their trust in Minsheng Bank for future financial needs [5].

Core Insights - The Agricultural Development Bank of China Dongtai Branch has established a special service team to enhance financial services and optimize the business environment, providing on-site services for corporate account opening and video signing [1][2] - The initiative aims to address the difficulties faced by enterprises in completing banking procedures, particularly when business leaders are unable to visit the bank in person [1] Group 1 - The special service team visited enterprises to facilitate the account opening process, ensuring compliance and efficiency by guiding corporate representatives through identity verification and information confirmation [1] - The bank's staff provided professional advice on credit policies and fund settlement services tailored to the specific needs of the enterprises, enhancing their financial management [1] - The initiative has received positive feedback from business leaders, highlighting the time-saving and supportive nature of the bank's services [1] Group 2 - The Dongtai Branch has consistently focused on addressing the urgent needs of enterprises by optimizing business processes and extending service offerings, including "on-site signing," "extended service hours," and "green channels" [2] - Future plans include deepening departmental collaboration to improve service precision and effectiveness, thereby providing stronger financial support for agricultural enterprises and contributing to the high-quality development of local agriculture [2]

Core Viewpoint - The article highlights the effective service provided by a local bank in facilitating the exchange of damaged currency, showcasing the bank's commitment to customer service and financial inclusivity [1] Group 1: Customer Experience - A customer, Mr. Chen, successfully exchanged damaged RMB notes for a total of 4,820 yuan after receiving assistance from the bank staff [1] - The bank staff provided detailed explanations of the currency exchange rules and proper storage methods for RMB, which was well-received by the customer [1] Group 2: Bank's Initiatives - The bank has implemented measures to enhance the professionalism and convenience of the damaged currency exchange service, including regular staff training on exchange standards and identification techniques [1] - The bank has established dedicated windows for damaged currency exchange and prominently displayed exchange procedures at various locations [1] - The bank aims to continue optimizing basic financial services like damaged currency exchange to protect the financial rights of the public [1]

Core Insights - Agricultural Bank of China (ABC) demonstrates exceptional customer service by efficiently exchanging a large amount of coins for banknotes, highlighting its commitment to customer-centric banking [1] Service Efficiency - A customer, a local merchant, exchanged approximately 10 kilograms of coins, totaling 1,700 yuan, in under one hour due to the bank's quick response and dedicated staff [1] - The branch implemented a "green channel" to expedite the coin exchange process, showcasing its flexible operational mechanisms [1] Customer-Centric Approach - The incident reflects ABC's dedication to the principle of "customer first," emphasizing the importance of addressing unique customer needs [1] - The bank plans to continue optimizing its service processes to provide more compassionate and effective financial services, aiming to resolve common issues faced by the public [1]

Core Points - The article highlights the warm interaction between a nonagenarian war veteran and the staff at Agricultural Bank of China (ABC) during a pension withdrawal process, showcasing the bank's commitment to customer service [1][2] - ABC has implemented specific measures to cater to elderly clients, particularly war veterans, ensuring they receive priority service and assistance [2] Group 1 - The bank staff provided attentive service to the elderly veteran, assisting him with the necessary paperwork and ensuring a comfortable experience [1] - The veteran shared his wartime experiences, emphasizing the importance of peace and the value of the service he received from the bank [1] - The bank's initiatives include "priority processing, dedicated guidance, and home service" for elderly clients, addressing their unique needs [2] Group 2 - The veteran expressed gratitude for the bank's service, noting that the staff's attention to detail made him feel valued and cared for [2] - ABC aims to honor war veterans by continuously improving service quality and embodying the spirit of patriotism [2]