From "Brick Bank" to "mouse bank", then to "fingertip bank", in recent years, with technology innovation and financial opening, bank form is constantly developing, many people think that traditional bank entity network is going to "not fall" . Recently, there is a number seem to deviate this, and some media sort out the administrative license information released by the Silver Bank of China. This year, more than 1,200 bank outlets have been shut down. But there is another data that cannot be ignored – this year, there have been more than 1400 bank outlets, and the number exceeds the off site. One increase in two groups of data indicates that the change in bank outlets is not forced to dig in digital alternative, but to seek the transformation of high quality development.
High quality development reflects the change in the geographical location of the bank outlet. Careful analysis is not difficult to find, one "minus" is mainly reduced in state-owned large commercial banks and joint-stock commercial banks, and the sales of developed areas are reduced. One "increase" is mainly urban commercial banks and rural commercial banks increase, village or remote area network increase .
In fact, such a site selection is adjusted in recent years. The original outlets were more layered. Under the maintenance of financial business lines, under the shortage of outlets, the sales selection is more refined, and it is changed to speed up the flagship outlets in the relevant key areas and developed regions. And migrate. On the other hand, the bank outlets are sinking to the base layer, and the layout is generally tilted to the county and rural areas. The financial network coverage is small, the breadth and depth of financial services are relatively insufficient, in these areas to increase the construction of outlets, and open financial services " 100 meters "capillary, which is conducive to expanding the coverage of universal micro-financial services, promoting finance to play a greater role in rural revitalization and common prosperity. High quality development is also reflected in the change in the amount of bank service services. Some regional outlets are streamlined to a large extent to the increase in the performance of the network.
In recent years, all banks have accelerated the upgrade and transformation of entity outlets, intelligent, through financial science and technology, allowing the radius of service radius to be broader, and the service scene is richer.
For example, construction banks, agricultural banks, and Pudong Development Banks have launched 5G balances, in these outlets, biometric, artificial intelligence, virtual reality, etc., and new equipment such as smart teller, financial space capsules have emerged. The bank outlet, the service efficiency is improved, the service efficiency is improved, and the smart service self-service can be completed, and there is a remote expert to assist; the service experience is optimized, more staff can be more accurately For the customer "portrait", providing closer to more depth financial services. It should be seen that although the financial service line is continuously accelerating, many steady conservative and pursuit of comprehensive experience are still prejugged in line channels.
At the same time, for the more complex non-standard business of corporate loans, investment recommendations, many customers need to learn from the staff to face-to-face, in order to understand the product and acquisition risk tips, and offline outlets are still the core of transformation and maintain high value customers. channel. Therefore, in the foreseeable future, the entity bank outlet should not only "decline", but also continuously renovate and upgrade, constantly innovation. Bank outlets want sustainable innovation, keywords are integrated.
First, it is necessary to push the convergence under the line.
There are consulting agencies show that the more the customer and the bank’s interactive channels are more, the greater the value of the bank, such as customers with more than 4 types of channels and banks, their customers, their customers’ income is only using single channels and bank interactive customers. Twice.
Therefore, banks should further promote the coordination and resource integration of the line and the online channels, achieving complementary advantages, benign interaction, and work efficiency.
Second, it is necessary to promote the integration of "industry" and "foreign".
Give full play to the channels of the bank outlets, technical capabilities and credibility, build more "Bank +" business scene.
For example, create more social security, taxation and other silver interconnection scenes, let the outlets become the extension carrier of government services, not only help to improve the comprehensive service experience, but also benefit from the silver political data, further realize the "data multi-run road, the people run less legs" .
Where is the bank build, on the ground, on the web? This may not be the most important issue.
Focus on how to meet diversified financial needs, how to link multi-scenario service forms, is the key to banks better play the role of "financial blood". (Editor: Zhuang Hongji, Fu Drarse) Sharing let more people see.