齐鲁晚报.齐鲁壹点李可通讯员张萌 为将金融服务落到实处，该行不断优化服务体验，全力构建线上线下（300959）一体化服务体系。在线 下，该行着力提升柜面服务效率，为客户提供便捷高效的业务办理体验；在线上，依托手机银行、网上 银行等数字化平台，实现转账汇款、贷款申请、生活缴费等高频业务的"一站式"办理，真正打通金融服 务"最后一公里"，有效提升了客户的金融服务获得感。 未来，该行将继续坚守金融本源，深耕主责主业，持续创新服务模式与金融产品。在服务实体经济、推 动高质量发展的道路上，该行将以更精准的金融供给，为地方经济社会发展贡献更大的金融力量。 金融作为实体经济的血脉，对经济发展起着至关重要的作用。长期以来，东明农商银行始终坚守"立足 本土、服务实体"的市场定位，深耕区域金融市场，以高效的服务质效和稳健的经营理念，持续助力地 方经济高质量发展。 ...

辞旧迎新添吉庆，马踏春风启新程。2026年马年春节期间，年味漫染陇原大地，年货消费、返乡团聚、 资金周转等需求持续攀升。甘肃银行坚守"深耕陇原、服务民生"初心，秉持"客户至上，服务为先"理 念，以"数字化转型2.0"战略为引领，提前部署、周密谋划，将春节期间金融服务从"在岗值守"升级 为"场景深耕+智能响应+温情守护"的全方位保障体系，线上线下协同发力、优惠便民多措并举，用全 天候、高质量、有温度的金融服务，陪伴广大客户喜迎新春、乐享佳节，切实践行"甘肃人民自己的银 行"的责任与担当，让金融暖意浸润陇原大地每一个角落。 统筹部署早发力 筑牢服务"安全线" 为确保春节期间金融服务平稳有序、高效便捷，甘肃银行提前谋划、精准部署，筑牢服务保障"第一道 防线"。该行提早组织各支行制定春节期间运营服务保障方案，明确关键岗位人员值守安排，成立柔性 管理团队、值班团队及党员先锋队，建立工作支持群，确保突发事件第一时间响应、快速处置。 严格落实总行带班、分支机构值班制度，技术、业务、客服等跨部门应急保障团队7×24小时在岗值 守，实时监测系统运行状态，及时处置各类突发情况，确保金融服务"不断档、不缺位"。同时，各营业 网点节 ...

聚焦实体，倾力护航小微成长 小微企业是县域经济的毛细血管，关乎就业与民生。巨野农商银行坚定不移地与小微企业同呼吸、共命 运。持续开展"金融辅导进企业""首贷培植"等专项行动，主动对接工业园区、专业市场，深入了解小微 企业和个体工商户在创业、经营、扩张中的难点、痛点。通过简化流程、优化审批、灵活设置还款方 式，特别是加大信用贷款、中长期流贷的投放力度，有效破解"融资难、融资贵"问题。该行不仅是资金 的提供者，更是企业成长的伙伴，致力于陪伴更多"小苗"成长为"大树"，为巨野实体经济的繁荣注入不 竭动能。 普惠共享，延伸服务千家万户 金融为民，核心在于普惠。巨野农商银行着力构建覆盖城乡、便捷高效的普惠金融服务体系。一方面， 持续优化物理网点布局，升级改造乡镇网点，确保基础金融服务"乡乡通""村村通"。另一方面，大力推 进数字化转型，丰富手机银行、网上银行功能，推广"无感授信""线上快贷"等模式，让数据多跑路、群 众少跑腿。该行关注"一老一小"等重点群体，开展金融知识普及宣传，守护百姓"钱袋子"；代理发放各 类惠民补贴，打通金融服务"最后一公里"；积极推广社保卡、聚合支付等便民应用，将金融服务无缝嵌 入社区生活日常， ...

Core Viewpoint - Industrial Bank (601166) announced a system upgrade to enhance debit card point redemption services, which will temporarily suspend online and mobile banking services for health-related services from January 12 to January 23, 2026 [1] Group 1 - The system upgrade aims to provide higher quality value-added services for debit card point redemption [1] - The upgrade will affect services including expert appointment scheduling, medical guidance, dental cleaning, and health check-up services [1] - Customers are advised to contact the bank's customer service hotline for any inquiries during the upgrade period [1]

Core Insights - The banking industry is undergoing a profound transformation driven by technological advancements, particularly generative AI, which complicates the landscape for both digital and traditional banks [1] - Digital banks are disrupting traditional financial models with innovative, customer-centric solutions, while traditional banks are adapting to meet changing customer expectations and defend their market share [1] Group 1: Digital Banking Challenges - Digital banks must establish trust from scratch, as consumers are often hesitant to deposit large sums with purely digital institutions due to concerns over security and reliability [4] - Regulatory constraints pose significant challenges for digital banks, such as limits on deposit acceptance and requirements to demonstrate profitability [2] - Many digital banks struggle with profitability, as their primary revenue sources often do not cover high customer acquisition costs and compliance expenses [9] Group 2: Customer Acquisition and Retention - Digital banks face high customer churn rates as many users view them as secondary accounts rather than primary financial institutions [13] - To retain customers, digital banks must focus on providing comprehensive services and building customer loyalty through value propositions beyond just pricing [14] - Successful digital banks are leveraging partnerships and innovative services to attract and retain customers, such as tailored financial products for underserved markets [12] Group 3: Regulatory and Competitive Landscape - As digital banks expand, they encounter stricter regulatory scrutiny, which increases operational complexity and costs [15] - Competition from traditional banks and fintech giants remains fierce, necessitating digital banks to innovate and utilize advanced technologies like AI for personalized services [15] - Traditional banks are also evolving by streamlining operations and enhancing customer experiences to compete effectively with digital banks [17] Group 4: Strategies for Traditional Banks - Traditional banks can counter the threat from digital banks by optimizing their branch networks and adopting a digital-first approach to customer engagement [17] - Investing in modern IT infrastructure is crucial for traditional banks to overcome legacy system limitations and enhance operational efficiency [18] - Building on existing customer relationships and utilizing AI for personalized financial services can help traditional banks maintain their competitive edge [21][22] Group 5: Future Outlook - The future of banking is not a zero-sum game between digital and traditional banks; rather, it will depend on their ability to adapt, innovate, and collaborate [23] - Banks that embrace change, invest in technology, and prioritize customer-centric strategies are likely to emerge as leaders in their respective domains [24]

Core Viewpoint - Iran's internet access remains restricted until the national security situation stabilizes, as stated by the Iranian Cyber Space Management Authority [1] Group 1: Internet Restrictions - The Iranian Cyber Space Management Authority indicated that the lifting of the internet ban will depend on the security situation [3] - Internet services were interrupted in Tehran starting from 8 PM local time on the 8th, linked to ongoing protests in various regions [4] Group 2: Domestic Internet Development - To facilitate daily life for citizens, Iran plans to enhance its domestic internet infrastructure [3] - Citizens can currently access online banking and shopping through the national information network [3] Group 3: Government Response to Protests - Protests against rising prices and currency devaluation have led to unrest, resulting in casualties among security personnel and civilians [4] - The Iranian government, represented by President Pezeshkian, emphasizes the importance of addressing public grievances while rejecting foreign influence in domestic affairs [4]

Group 1 - The Iranian Cyber Space Management Authority announced that internet access will remain restricted until the national security situation stabilizes [1] - The authority stated that lifting the internet ban requires consideration of security conditions [1] - To facilitate daily life for citizens, Iran plans to enhance its domestic internet infrastructure [1] Group 2 - Currently, Iranian citizens can access online banking and shopping through the national information network [1] - Iran will expand domestic instant messaging applications, search engines, and artificial intelligence services to minimize the impact of internet outages on daily life [1]

Core Viewpoint - The reduction in bank branches in China is primarily driven by the reform of small financial institutions and the proactive closure of inefficient branches by banks, resulting in a net decrease of over 2,000 branches by 2025 [1][2][3] Group 1: Bank Branch Reduction - By 2025, over 11,000 bank branches are approved to exit, while more than 8,400 new branches are set to be established, leading to a net reduction of over 2,000 branches [1] - The decrease in bank branches is mainly attributed to rural credit cooperatives and village banks, with rural credit cooperatives reducing by approximately 2,200 branches and village banks by nearly 1,000 branches [1][2] - The restructuring of provincial rural commercial banks and the merger of small financial institutions are significant factors contributing to the reduction [1][2] Group 2: Large Bank Branch Changes - Both state-owned large banks and joint-stock banks have experienced a net decrease in branch numbers, with state-owned banks establishing around 300 branches and closing over 700, while joint-stock banks opened over 200 and closed more than 300 [2][3] Group 3: Cost and Efficiency Pressures - The optimization of branch layouts and closure of inefficient branches are seen as necessary due to profit growth challenges and regulatory demands for cost reduction [3] - The shift towards digital banking has significantly reduced the necessity for physical branches, with over 90% of basic banking services now available online [3] - The operational costs of physical branches are high, with annual costs in third-tier cities reaching several million yuan, making many secondary branches unprofitable [3] Group 4: Financial Service Optimization - While closing inefficient branches can enhance profitability, banks must also consider the hidden value of branches in brand representation and customer service [4] - To address the needs of elderly and rural populations, banks should develop user-friendly technology and maintain core service capabilities at key branches [4] - Regulatory bodies are encouraged to implement policies ensuring that banks provide alternative services when closing branches, balancing commercial interests with social responsibilities [4]

Core Viewpoint - Zhejiang Zheshang Bank (601916) announced a scheduled maintenance of its computer system from January 20, 2026, 00:00 to 03:30, which will affect various electronic banking services [1] Group 1: Service Impact - During the maintenance period, online banking, mobile banking, WeChat banking, and other electronic channels will experience service interruptions [1] - Services affected include ATM cash withdrawals, POS transactions, personal debit and credit card operations, interbank transfers, and various self-service functions [1] - Notifications sent via SMS or mobile banking app may experience delays during this time [1] Group 2: Customer Support - The bank will strive to minimize the downtime and encourages customers to contact its 24-hour customer service hotline at 95527 for any inquiries during the maintenance [1] - The bank apologizes for any inconvenience caused by the service interruptions [1]

Core Viewpoint - The transformation of the banking industry in 2025 is evolving from superficial adjustments of branches to deep structural optimization, characterized by a "slimming and muscle-building" approach, where inefficient branches are closed while new, specialized branches are established to reconstruct offline value [1][5]. Group 1: Branch Closure and Establishment - In 2025, a total of 7,871 bank branches were closed, while 8,494 new branches were established, resulting in a net increase of 623 branches, marking the first positive growth in branch numbers in three years [1][5]. - The closure rate of bank branches accelerated in 2024, with 2,483 branches closed compared to 2,649 in 2023, indicating that the total number of closures in 2025 exceeded the sum of the previous two years [2][5]. - Inner Mongolia had the highest number of branch closures due to regulatory approvals for mergers and dissolutions, totaling 2,400 branches, linked to the large-scale integration of local rural credit systems [2]. Group 2: Impact of Digital Banking - The rise of mobile banking has led to a significant decline in the business volume of traditional branches, with some experiencing a drop of over 70% in counter services [3][6]. - The operational costs of individual branches can reach several million yuan annually, contributing to a cost-revenue imbalance as transaction volumes decrease [3]. Group 3: Future Branch Strategy - Banks are focusing on transforming branches into multifunctional service points, emphasizing wealth management, corporate finance, and community services, creating an integrated "finance + lifestyle" service space [5][7]. - Over 90% of branches have implemented smart teller machines, and some have introduced innovative service models like remote video customer service and VR experience zones [6]. - The trend towards specialized branches aims to enhance brand reputation and customer retention, although challenges such as high costs and variable usage rates exist [7]. Group 4: Regulatory Guidance and Market Trends - The financial regulatory authority is guiding banks to ensure the availability of physical branches in rural areas while balancing economic and social benefits, avoiding excessive competition and financial exclusion [6]. - The future of bank branches, especially in first- and second-tier cities, is expected to see a continued reduction in numbers, but at a slower pace, with a more refined and scientific layout and differentiated operations among branches [7].