请您提前做好资金安排，由此给您带来的不便，敬请谅解。期间如遇任何问题，请致电温州银行客服热 线。 2025年11月21日，温州银行发布公告称，根据中国人民银行2025年支付系统运行维护的安排，温州银行 网上银行、手机银行等渠道将于2025年11月23日00：00至06：00暂停受理跨行转账业务。 ...

同时，根据人民银行支付清算系统运行维护安排，人行将于11月23日0:00至6:00进行系统维护。受此影 响，浙商银行将暂停受理与此相关的跨行业务。 2025年11月20日，浙商银行（601916）发布公告称，为了能向您提供更加优质的服务，浙商银行将于 2025年11月23日0:10至6:00和11月26日0:10至3:00进行计算机系统维护，请您知晓并提早进行准备。 维护期间，浙商银行网上银行、手机银行、微信银行、微信小程序、银企直连、收付通、数字人民币、 外汇业务、贵金属（含财富金积存）业务、第三方支付等电子渠道业务（包含通过OpenAPI方式调用行 内服务、余额查询、回单查询和打印等），ATM取现转账和POS消费业务、无卡线上办理等自助业务， 个人借记卡和信用卡（含申请、分期等）业务、跨行转账、智慧大额存单查询、云账通、贷款、理财等 业务将出现中断或延迟，通过短信或者手机银行APP发送的消息通知（含动账交易、余额变更、登录或 支付验证码等）可能出现发送延迟情况，届时请稍后再试。 浙商银行将努力缩短受影响时间，系统维护后如果您在业务办理过程中遇到疑问，请垂询浙商银行24小 时客户服务热线。由此给您带来的不便 ...

2025年11月18日，南京银行（601009）发布公告称，为了提供更加优质、高效的金融服务，南京银行将 于2025年11月21日21:00至11月22日8:30对部分系统进行升级，升级期间将暂停相关业务办理。具体安排 如下： 11月22日02:00至04:00，暂停手机银行、网上银行、鑫微厅、微信公众号等渠道的个人业务，包含不限 于客户信息维护、电子账户开户/充值、签约/解约、转账、退款、个人贷款、积分业务、数字人民币、 网关支付和快捷支付等业务。 11月22日00:00至04:00，暂停95302智能语音导航功能、手机银行的数字营业厅和智能问答客服功能； 暂停鑫e伴APP的在线客服功能（人工企微客服不受影响）；暂停直销银行H5电子账户开户、手机银行 个人基本信息修改、鑫微厅薪资卡预约开卡、信用卡等相关业务； 11月22日0:30至05:00，暂停全行ATM的存款、取款、转账、查询等相关业务办理（南京银行卡在他行 ATM的业务办理不受影响）； 11月22日01:00至03:00，暂停手机银行、南京银行信用卡公众号、N Card小程序等渠道的信用卡申卡、 面签、调额、分期等相关业务；暂停手机银行、鑫微厅等渠道 ...

如有问题，欢迎随时致电兴业银行全国统一客服热线。 2025年11月17日，兴业银行（601166）发布公告称，北京时间2025年11月23日（周日）0:00至6:00为中 国人民银行支付清算系统维护窗口，期间兴业银行手机银行、网上银行、银企直联、银财（财务公司） 直联、银银平台等渠道办理的非实时跨行转账交易将暂存行内，待系统启运后汇出，实时跨行汇款、跨 行收款、跨行账户信息查询及协议签约、跨行收款协议签约、手机号收款设置、跨境支付通等业务将暂 停受理。期间线上消费、ATM提现等业务不受影响。 请您根据需要，合理安排资金汇划时间，错时办理。由此给您带来的不便，敬请谅解。 ...

Core Viewpoint - Changsha Bank is upgrading its WeChat mini-programs to enhance financial services, resulting in a temporary suspension of services during the upgrade period [1] Group 1: Service Upgrade Details - The upgrade will take place on November 15, 2025, from 00:00 to 00:30 [1] - All services provided through the Changsha Bank WeChat mini-programs will be suspended during the upgrade [1] Group 2: Alternative Service Channels - Customers can use the Changsha Bank mobile banking app and online banking for related services during the upgrade [1] - For inquiries, customers can contact Changsha Bank via WeChat public account, official website online customer service, or the 24-hour customer service hotline [1]

Core Viewpoint - Fujian Strait Bank announced a scheduled system upgrade by the People's Bank of China, which will result in the suspension of various banking services on November 23, 2025, from 00:00 to 06:00 [1] Group 1 - The system upgrade will affect online banking, mobile banking, corporate direct connections, salary distribution platforms, and interbank transaction services [1] - Customers are advised to make necessary financial arrangements in advance due to the service interruption [1] - The bank expresses gratitude for the trust and support from its customers during this period [1]

Core Points - Guangfa Bank announced an extension of the service suspension for its Foshan Xinmin Branch until the end of December 2025 due to construction delays [1] - The branch was originally scheduled to suspend services from June 9, 2025, to the end of October 2025 [1] - During the suspension, staff will temporarily relocate to the Guangfa Bank Foshan Branch building [1] Company Operations - The suspension affects all external services, including self-service equipment [1] - Customers are encouraged to use electronic channels such as mobile banking and online banking for transactions during the suspension period [1] - The bank has provided contact information for customer inquiries and emergency transactions [1]

Group 1 - Wenzhou Bank announced a temporary suspension of interbank transfer services due to system upgrades [1] - The suspension will occur from November 7, 2025, 00:00 to 04:00 [1] - Customers are advised to make necessary financial arrangements in advance [1]

Core Viewpoint - The recent incident involving Industrial and Commercial Bank of China (ICBC) online banking has raised significant concerns among users, with reports of account balances, investments, and liabilities being displayed as zero due to a system malfunction [1] Group 1: Incident Details - On October 30, ICBC's personal mobile banking and online banking experienced an unexpected system failure, leading to inaccurate display of asset and liability data [1] - By the evening of October 30, the system was restored to normal functionality, allowing users to check their account details and transaction history [1] Group 2: User Impact - Users were reassured that their funds were not at risk despite the display issues, emphasizing that the incident would not affect the safety of their financial assets [1]

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].