21世纪经济报道记者 叶麦穗 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。 国家金融监督管理总局最新数据显示，截至12月8日，今年已有9661家银行网点获批退出。仅四季度伊始，就有1580家网点完成 退出审批，行业"瘦身"速度显著加快。 不过与此同时，也有7168个网点新增，其中特色化、功能化成为主旋律。整体来看，银 行对网点的布局从最开始的跑马圈地到逐步优化，在关闭一些城市网点的同时，也对一些乡镇进行了线下新增。 对于网点布局的增减，不少银行也曾在业绩报告中提及自己的观点。邮储银行董事长郑国雨在去年的年报致辞中表示，推动网 点综合化、生态化、智能化转型，强化科技赋能、数据赋能，将近4万个网点打造成为便民利民的一站式服务窗口。农行行长王 志恒在2024年度报告中提出，加快掌银、网点等各类渠道适老化改造，深入推进2.2万家"农情暖域"工会驿站建设，要让金融服 务更有温度。 | | | | | | 成心以脂肪 | | | | 更新时间: 2025年12月08日 | | --- | --- | --- | ...

Core Viewpoint - The banking sector is undergoing a significant transformation in its branch network, characterized by a dual approach of "shrinking" while "growing" in functionality, with a notable increase in branch closures and openings focused on specialized services [1][5]. Group 1: Branch Closures and Openings - As of October 24, 2023, a total of 8,592 bank branches have been approved for closure, representing an increase of nearly 200% compared to 2,677 closures in the previous year [1][2]. - In the fourth quarter alone, 601 branches have been approved for closure, which is an increase of 511 compared to the same period last year [2][4]. - Despite the closures, 6,859 new branches have been opened, emphasizing a trend towards specialized and functional banking services [1]. Group 2: Impact of Digitalization - The primary reason for the accelerated closure of bank branches is the impact of digitalization, with mobile and online banking leading to a significant decline in traditional branch business volume, particularly in cash and basic counter services [5]. - The operational costs of traditional branches are high, with individual branches incurring annual costs of several million yuan, while business volume has decreased by over 70% in some cases [5]. Group 3: Transformation of Branch Functions - The banking sector is shifting from a focus on quantity to optimizing branch structures, with an emphasis on reducing physical branches to control operational costs while investing in smart and experiential branches [7]. - Future branches are expected to focus more on wealth management, corporate finance, and community services, creating integrated service spaces that combine finance with lifestyle [7][9]. - Over 90% of branches have implemented smart teller machines, and some have introduced remote video customer service and VR experience zones [7]. Group 4: Case Studies of Innovative Branches - Examples of innovative branches include the establishment of a specialized automotive finance branch by Industrial Bank in Guangzhou, which aims to serve over 200 automotive companies and provide financing of no less than 10 billion yuan by the end of 2027 [8][10]. - Agricultural Bank of China has launched dedicated branches for the new energy vehicle industry, providing specialized financial services and support to key players in the sector, with credit support exceeding 73.7 billion yuan [10]. Group 5: Future Outlook - The future of bank branches is envisioned as interactive points for customer engagement and brand representation, with a consensus among banks on the need for transformation while balancing costs and customer experience [10]. - Although the number of branches is expected to continue decreasing, particularly in first- and second-tier cities, the pace of closures will slow, and branch operations will become more differentiated and scientifically planned [10].

Core Insights - The banking sector is undergoing a significant transformation in its branch network, shifting from simple closures to a strategy of "slimming down" while "growing" in functionality [1][4][6] Summary by Category Branch Closures - As of October 24, 2023, 8,592 bank branches have been approved for closure, a nearly 200% increase from 2,677 closures in the previous year [1][3] - In the fourth quarter alone, 601 branches have been approved for closure, which is an increase of 511 compared to the same period last year [3][4] New Branch Openings - Despite the closures, 6,859 new branches have been established, focusing on specialized and functional services [1][4] - The overall strategy is moving from rapid expansion to optimization of branch locations, with closures in urban areas and new openings in rural areas [1][4] Reasons for Change - The primary driver for the accelerated closure of branches is the impact of digital banking, which has led to a significant decline in traditional branch business volume, particularly in cash and basic counter services [4][6] - Operational efficiency is a critical consideration, as the annual operating cost of a single branch can reach several million yuan, while transaction volumes have dropped by over 70% in some cases [4][6] Future Branch Strategy - Banks are not abandoning physical branches but are instead restructuring their functions, focusing on wealth management, corporate finance, and community services [6][9] - Over 90% of branches have implemented smart teller machines, and some have introduced remote video customer service and VR experience zones [6][9] Innovative Branch Models - Banks are developing specialized branches, such as automotive finance branches, to cater to specific industries and customer needs [7][8] - Agricultural banks are also establishing dedicated branches for the new energy vehicle industry, providing tailored financial services to key players in the sector [8] Customer Interaction and Experience - Future branches are envisioned as interactive points for customer engagement and brand representation, balancing cost and customer experience [9]

Core Viewpoint - New Beiyang (002376) is focusing on providing integrated solutions for financial equipment, particularly in the areas of "bank outlet transformation" and "overseas commercial retail" [1] Group 1: Business Focus - The company is developing scenario-based product solutions that include core modules, intelligent machines, platform software, and system integration [1] - New Beiyang is actively preparing products and solutions related to the promotion of digital RMB, with devices like smart self-service retail and intelligent teller machines supporting digital RMB based on customer needs [1] Group 2: Future Trends - The company plans to continuously track and research the development trends of "stablecoins" to explore their alignment with the company's business strategy [1]