Group 1 - The National Financial Supervision Administration approved the termination of operations for Ping An Bank's Zhongshan Tanzhou branch, which has been in operation for just over five years [1] - In 2026, multiple branches of Ping An Bank have been authorized to cease operations, including locations in Foshan and Wuhan [1] - The adjustment of Ping An Bank's network has begun, with the Foshan Longjiang branch and Wuhan Phoenix City Community branch also terminating operations recently [4] Group 2 - As of June 2025, Ping An Bank employed 40,761 staff and operated 1,134 business institutions through 110 branches nationwide [4] - The Zhongshan branch of Ping An Bank had one main branch and nine sub-branches across nine towns as of the end of 2023 [4] - The terminated branches include those with relatively short operational histories, such as the Wuhan Phoenix City Community branch established in October 2014 and the Foshan Longjiang branch approved in late 2021 [4]

以下文章来源于中新经纬 ，作者魏薇 中新经纬 . 中新经纬是由中国新闻社主办的财经新媒体，拥有中国互联网新闻信息采编发布服务资质。以手机客户端（APP）等为主要传播平台，以"权威、前瞻、 专业、亲和"为特色宗旨，传播财经资讯、解读经济政策、讲述商界故事，打造精英的财经资讯平台。 商业银行线下网点加速退出的同时， 网点的新设步伐并未停歇。 文 ｜ 魏薇 编辑 ｜ 李晓萱 来源｜ 中新经纬（ID：jwview） 封面来源 ｜ Unsplash 2025 年，银行线下网点数量有何变化？1月5日，中新经纬根据国家金融监督管理总局网站"金融许可证信息"栏目披露的信息统计，去年国内共有 11249 家银行线下网点获准退出， 8548 家线下网点获准设立。这意味着， 2025 年全年净退出的银行网点数量达 2701 家。 业内人士 指出， 去年 银行网点大量退出主要 由于银行主动调整以及 银行业改革化险进程持续深化。在关闭低效网点的同时，银行需警惕并防止在特定 区域出现金融服务空白，履行好普惠金融的社会责任。 超1.1万家网点获准退出 据国家金融监督管理总局网站， 2025 年国内共有 11249 家银行（统计机构类型包括 ...

当前，商业银行线下网点"瘦身"已趋于常态化。 农商行占比达八成 据金监总局官网"金融许可证信息"栏目，截至12月8日，共计6747家商业银行线下网点正式 退出，与去年退出的2533家相比大幅增加。 其中，当前最新退出的机构是广东清新农村商业银行股份有限公司浸潭中心分理处，批准日 期为2018年7月31日，发证日期为2021年12月22日，发证机关是清远分局，退出日期为今年 12月5日。 与此同时，今年第一家获批退出的是中原银行股份有限公司三门峡文博城支行，批准日期为 2014年12月23日，发证日期在2021年10月8日，发证机关为三门峡分局，退出日期为今年1月 2日。 | 机构类型 | 退出数量 | 退出数量 | 增减率 | | --- | --- | --- | --- | | | 截至2025年12月8日 | 截至2024年12月31日 | (%) | | 农商行 | 5446 | 1302 | 318. 28 | | 国有大行 | 692 | 644 | 7.45 | | 股份行 | 277 | 316 | (12. 34) | | 城商行 | 273 | 221 | 23. 53 | | 外资银行 ...

Core Viewpoint - The changes in bank branches are closely related to people's lives, with a reported 8,592 branches approved for closure and 6,859 new branches opened as of October 24 this year. The reduction of branches is seen as a trend driven by technological advancements, but this perspective is considered a misunderstanding. The necessity for direct human interaction remains, and certain complex financial transactions must still be conducted in person, making physical branches essential for financial services [1]. Group 1: Branch Changes - The reduction and addition of bank branches should follow the logic of being convenient and beneficial to the public while reducing costs and increasing efficiency. The user experience and service quality are crucial for banks to maintain market stability and growth, with physical branches being a key service channel [1][2]. Group 2: Branch Location and Configuration - Branches should be located in areas with demand but insufficient supply. The closure of some branches is a correction of previous expansive operating strategies. New branches are necessary to enhance financial service coverage, particularly in rural areas. The adjustment of branch resources should align with local economic and social resources [2]. - Branches can optimize services for the growing elderly population by improving the service environment, such as providing magnifying glasses and user-friendly self-service devices. They also serve as direct channels for banks to understand customer needs and assist elderly users in adopting new technologies [3]. Group 3: Branch Efficiency - Improving service efficiency is essential to address customer complaints about long wait times. Banks can enhance operational management and effectively guide customers to self-service areas during peak times. The human resources saved through digital services can be redirected to provide comprehensive services, such as financial consulting and knowledge dissemination, thereby improving the overall service capability of branches [3].

Core Insights - The number of physical bank branches among China's six major state-owned banks has stabilized, with a slight decrease of approximately 42 branches as of mid-2025 compared to the beginning of the year [1][5] - The focus of branch adjustments is shifting towards key urban areas such as the Beijing-Tianjin-Hebei region and county-level operations, indicating a strategic realignment in service delivery [1][6] Summary by Bank - **Industrial and Commercial Bank of China (ICBC)**: As of June 2025, ICBC has a total of 16,354 branches, with 15,941 located domestically and 413 internationally [2] - **Agricultural Bank of China (ABC)**: ABC reported 22,914 domestic branches and 17 overseas institutions as of June 2025 [2] - **Bank of China (BOC)**: BOC has a total of 11,516 branches, with 10,977 in mainland China and 539 in Hong Kong, Macau, Taiwan, and other regions [2] - **China Construction Bank (CCB)**: CCB has 14,727 branches, including 14,178 domestic branches [3] - **Bank of Communications (BoCom)**: BoCom operates over 2,800 domestic branches and 24 overseas branches [3] - **Postal Savings Bank of China (PSBC)**: PSBC has 39,188 branches and 71,435 ATMs as of mid-2025 [3] Overall Trends - The total number of branches across the six major banks is approximately 108,000, showing a decrease of about 42 branches in the first half of 2025 compared to the end of 2024 [5] - The pace of branch closures has significantly slowed, with projections indicating a reduction of around 300 branches by the end of 2024 [5] - The current phase of branch adjustments is characterized by a balance between closing redundant branches and opening new ones in high-demand areas [6]