助力首都经济高质量发展 10月16日，民生银行北京怀柔支行正式开业，标志着该行在首都设立的第100家标准型支行网点成功落 地。怀柔支行的设立进一步拓展了该行网点覆盖范围，增强了其服务首都经济发展的能力。 在银行业数字化转型不断深入的背景下，线下网点规模普遍收缩。民生银行北京分行为何逆势增设网 点？ 当前，商业银行线下网点正经历功能重构与业态升级，从传统"交易型"向"服务型"转变，成为银行触达 客户、体现服务差异化的重要渠道。特别是在老年人等特殊群体服务，以及普惠金融、科技创新等重点 领域，线下网点仍具有不可替代的作用。 北京作为多项国家战略的承载地，重点产业与创新资源高度集聚。作为深耕首都的重要金融力量，民生 银行北京分行以实体网点为阵地，持续探索金融服务新模式，为区域经济协调发展注入新动能。 网点全覆盖 将第100家网点落户怀柔，是民生银行北京分行深度融入首都发展格局的"落子"之处。 今年以来，该行已先后与密云、通州、怀柔等多个行政区签署战略合作协议，深化银政合作，全面对接 首都发展需求。怀柔支行的设立，填补了该行在该区域线下网点的空白，进一步优化了全域服务网络。 城市空间拓展与热点区域更迭，是银行网点布局 ...

Group 1 - Postal Savings Bank of China has announced the absorption and merger of Postal Huinong Bank, which was approved by the shareholders' meeting [1] - The merger aims to achieve strategic integration, optimize resource allocation, and reduce management costs, enhancing overall operational efficiency [1] - Industry experts indicate that this integration model lowers operational costs and enables centralized management and analysis of customer data, facilitating cross-selling and precise services [1] Group 2 - Several banks have recently announced the shutdown or integration of their direct banking services, indicating a trend towards merging these services into traditional banking platforms [2] - The independent direct banking model has not formed a complete service ecosystem or unique competitive advantages, leading to resource waste for traditional banks [2] - Following the merger, only one independent direct bank, Baixin Bank, remains in the country, highlighting a shift towards integrated development within the banking sector [2] Group 3 - The evolution of direct banks reflects the digital transformation of the banking industry, with mobile banking upgrades fulfilling user needs and rendering direct banks as transitional entities [3] - The ultimate goal of financial digitalization is not merely channel innovation but a profound ecological restructuring within the banking sector [3] - Traditional banks are encouraged to leverage their service channels and explore integration into various scenarios while utilizing digital technology to enhance management [3]

Group 1 - The 17th "Hong Kong Banker Summit 2025" was held with over 800 participants focusing on digital transformation, international uncertainty, and changing customer demands [1][2] - Hong Kong was ranked as the third leading financial center globally and first in Asia, with its fintech ranking rising from fourth to first [1] - The Hong Kong government aims to enhance its role in the international financial landscape and promote innovation in the banking sector [1] Group 2 - The Hong Kong Monetary Authority (HKMA) emphasizes the need for innovation in the banking sector to build market trust and ensure responsible development [2] - Collaboration among banks, fintech companies, and market participants is essential for managing risks while seizing new opportunities [2] - The HKMA has introduced measures like regulatory sandboxes and incubators to foster a secure and sustainable financial ecosystem [2] Group 3 - The summit featured a "CEO Dialogue" discussing how banks can adapt to rising customer expectations, rapid technological advancements, and macroeconomic fluctuations [3] - The Hong Kong Institute of Bankers awarded honors to banking leaders for their contributions to financial talent development [3] - The HKIB also presented the "HKIB Talent Development Excellence Award" to nine financial institutions for their forward-looking talent strategies and sustainable training systems [3]

记者注意到，邮储银行此次调整并非个例，而是近年来银行业数字化转型进程中的普遍现象。早在2022 年6月开业之初，邮储银行把邮惠万家银行定位为"数字化转型发展的试验田"。而在此前，招行也撤回 独立法人直销银行"招商拓扑银行"的开业申请并终止筹备工作。 近年来多家银行业陆续整合旗下直销银行或数字金融子公司，行业正从初期的"多点试验"转向当前 的"全面融合"，或意味着银行业数字化发展进入深度整合新阶段。 开业三年后，邮储银行全资控股的独立法人直销银行将被合并。 （文章来源：证券时报） 近日，邮储银行披露，为进一步优化管理及业务架构，邮储银行将吸收合并下属全资子公司中邮邮惠万 家银行，吸收合并完成后，后者的独立法人资格依法注销。邮惠万家银行的全部业务、财产、债权债务 以及其他各项权利义务由邮储银行承继，邮惠万家银行客户的相关权利和义务均不受影响，已合法签署 的合同、协议继续有效。 邮储银行资料显示，邮惠万家银行成立于2022年1月，注册资本50亿元。据介绍，邮惠万家银行定位 于"服务三农、助力小微、普惠大众"，依托"数据+场景"，构建开放共享的数字普惠金融服务模式。据 邮储银行2025年半年报，截至今年6月末，邮惠万 ...

【文/羽扇观金工作室】 9月23日晚间，中国邮政储蓄银行股份有限公司发布重要公告，宣布将通过吸收合并方式整合其全资子 公司中邮邮惠万家银行有限责任公司。 这一战略举措标志着该行在数字化转型进程中从分散试点向集中整合的重要转折。据公告显示，此次合 并旨在进一步优化管理架构，提升运营效率，降低管理成本。合并完成后，邮惠万家银行的独立法人资 格将被注销，其全部业务、资产负债及权利义务将由母公司邮储银行完全承接。 作为国内为数不多的独立法人直销银行之一，邮惠万家银行自2022年正式开业以来，累计服务客户超过 2000万人，资产规模达到120亿元。此次整合不仅体现了邮储银行对数字化战略的重新审视，也反映出 整个银行业在数字化转型过程中正从"多点试验"模式转向"全面融合"新阶段。业内专家认为，这一趋势 预示着传统银行机构数字化能力的成熟，以及对资源配置效率要求的提升。 邮储银行在公告中明确阐述了此次吸收合并的三重战略目标：实现战略整合、优化资源配置以及降低管 理成本。近年来，该行在金融科技领域持续加大投入，数字化服务能力显著提升，以手机银行为核心的 线上服务体系已基本成型。在此背景下，独立运营的直销银行子公司与母公司业务 ...

9月23日晚间，中国邮政储蓄银行（下称"邮储银行"）发布公告称，将吸收合并下属全资子公司中邮邮 惠万家银行有限责任公司（下称"邮惠万家银行"）。 直销银行诞生于20世纪90年代末北美及欧洲等经济发达国家，2013年左右落地中国，被视为中资传统银 行应对互联网金融科技、客户消费习惯的转变以及利率市场化的重要方式。 但随着金融业数字化的深度转型，直销银行的价值被稀释。部分独立法人模式的直销银行也遇到挑战， 例如拓扑银行被终止筹备。 有行业人士称，这并非数字化探索的停滞，而是银行业发展逻辑从"粗放式渠道扩张"转向"精细化生态 深耕"的鲜明缩影，也标志着银行业数字化发展进入深度整合新阶段。 100%吸收合并 9月23日，邮储银行称，为进一步优化管理及业务架构，将吸收合并邮惠万家银行。 被合并方邮惠万家银行为邮储银行全资子公司，其财务报表已按100%比例纳入邮储银行的合并报表范 围。"本次吸收合并不会对邮储银行的财务状况和经营成果产生实质性影响，也不会损害该行及全体股 东的利益。"邮储银行表示。 直销银行因其业务拓展不以实体网点和物理柜台为基础，具有机构少、人员精、成本低等显著特点，因 此在过去被认为能够为顾客提供比传 ...

本文字数：938，阅读时长大约1.5分 钟 2025.09.24 公开资料显示，邮惠万家银行成立于2022年1月，注册资本50亿元，是邮储银行全资子公司，定位于"服 务三农、助力小微、普惠大众"。 有市场人士分析认为，直销银行初期以其线上化、低成本特性受到关注，但如今其独立存在价值已被大 幅稀释。与功能日益强大的手机银行相比，直销银行在产品同质化、获客成本高等方面面临挑战，难以 满足市场对一站式、全场景金融服务的需求。 据记者不完全统计，近年来，已有超20家银行陆续关停或整合直销银行业务，体现出银行业向"一体化 运营"转变的趋势。 邮储银行在公告中表示，本次吸收合并有助于进一步优化邮储银行管理及业务架构，巩固数字化转型成 效，提高运营效率，降低管理成本。 此次吸收合并会对邮储银行的财务报表有何影响？ 公告显示，邮惠万家银行为邮储银行全资子公司，其财务报表已按100%比例纳入邮储银行合并报表范 围，本次吸收合并事项不会对邮储银行财务状况和经营成果产生影响，不会损害邮储银行及股东的利 益。 作者 | 第一财经 亓宁 又一家直销银行退场。9月23日，邮储银行（601658.SH，01658.HK）发布公告宣布将吸收 ...

开业三年后，邮储银行全资控股的独立法人直销银行将被合并。 9月23日晚间，邮储银行公告称，为进一步优化管理及业务架构，邮储银行将吸收合并下属全资子公司中邮邮 惠万家银行有限责任公司（简称"邮惠万家银行"），吸收合并完成后，后者的独立法人资格依法注销。邮惠万 家银行的全部业务、财产、债权债务以及其他各项权利义务由邮储银行承继，邮惠万家银行客户的相关权利和 义务均不受影响，已合法签署的合同、协议继续有效。 一是实现战略整合，吸收合并后，邮惠万家银行线上运营经验整合到邮储银行，将对邮储银行线上业务实现补 充； 二是优化资源配置，吸收合并后，邮惠万家银行的业务资源及人才队伍，将为邮储银行发展注入新动力； 三是降低管理成本，吸收合并后，将降低邮储银行管理成本，该行称"有助于将资源投入到互补性更强的领 域，提高整体运营效率"。 有市场人士分析认为，作为直销银行，邮惠万家银行成立是银行业探索线上线下协同发展的创新模式之一。直 销银行初期以其线上化、低成本特性受到关注，但如今其独立存在价值已被大幅稀释。与功能日益强大的手机 银行相比，直销银行在产品同质化、获客成本高等方面面临挑战，难以满足市场对一站式、全场景金融服务的 需求 ...

Core Viewpoint - Postal Savings Bank of China (PSBC) announced the absorption and merger of its wholly-owned subsidiary, Postal Savings Bank Huinong Bank, which will lead to the cancellation of the latter's independent legal status and the transfer of all its business, assets, and obligations to PSBC [1] Group 1: Merger Details - The merger has been approved by PSBC's board and requires shareholder meeting approval and regulatory approval from the National Financial Regulatory Administration [1] - The merger does not constitute a related party transaction or a major asset restructuring and will not materially affect PSBC's financial status or operating results [1] Group 2: Industry Context - The merger reflects a broader trend in the banking industry towards digital transformation, with at least 19 banks, including Minsheng Bank and Hankou Bank, integrating direct banking services in recent years [1][2] - Direct banks were initially established to provide online services without physical branches, but their independent value has diminished due to challenges such as product homogeneity and high customer acquisition costs [2] Group 3: Strategic Benefits - The merger is expected to optimize PSBC's management and business structure, enhance digital transformation outcomes, improve operational efficiency, and reduce management costs [3] - By integrating the talent and experience from Postal Savings Bank Huinong Bank, PSBC aims to strengthen its online business and create a synergistic effect [3] Group 4: Digital Transformation Initiatives - PSBC plans to leverage the merger to advance its digital transformation by enhancing its technological capabilities, improving business management, and strengthening risk control systems [3][4] - The bank aims to reshape customer experience across all channels and products while achieving cost reduction and efficiency improvements in internal management [4]

Group 1 - The core viewpoint of the article highlights the trend of banks shutting down or consolidating their direct banking operations, with Postal Savings Bank of China announcing the absorption and merger of its wholly-owned subsidiary, Postal Bank of China Huinong Bank [1][2] - The merger is part of a broader trend in the banking industry towards digital transformation, where banks are enhancing their digital and centralized capabilities, primarily through mobile banking as the main service channel [2] - The independent value of direct banks has significantly diminished compared to the increasingly powerful mobile banking services, leading to challenges such as product homogeneity and high customer acquisition costs [2] Group 2 - The merger will not impact Postal Savings Bank's financial status or operating results, as Huinong Bank's financials were already fully consolidated into Postal Savings Bank's reports [3] - The long-term effect on Postal Savings Bank's performance is expected to be minimal, as the loans and deposits from Huinong Bank are relatively small and will not be renewed after their natural maturity [3] - The consolidation is aimed at optimizing management and business structure, enhancing digital transformation outcomes, and reducing operational costs [2]