Since 20 15, due to the adjustment of economic structure, the decline of market demand, the tightening of regulatory constraints and other factors, the operating pressure of China's banking industry has been increasing. However, in 20 16, the banking industry responded well to the challenges, with the main business indicators growing steadily and some indicators better than expected. Generally speaking, in 20 16, the number of banking institutions in China increased slightly, and the number of personnel remained stable, without a large number of mergers and layoffs.
Then, what about large commercial banks with the largest number of institutions and employees? China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank and Bank of Communications have a long history, and their total assets account for nearly 40% of China's banking industry, making them the first echelon of China's banking industry. Compared with the "little brothers" such as joint-stock commercial banks and city commercial banks, the five major banks are big and heavy, and their development speed in recent years is lower than the industry average. Will they really take measures such as abolishing institutions and personnel to reduce costs and increase benefits? Empty talk, the card god group is based on facts and data. Let's take a look at the changes in the number of outlets and employees in the five major banks from 20 1 1 to 20 16!
As can be seen from the table 1, the total number of institutions in the five major banks in 20 16 is 70,783, which is 169 less than that in 20 15, with a reduction rate of only 0.2%. Among them, ICBC and China Bank decreased by 298 and 77 respectively, while Bank of Communications, China Construction Bank and Agricultural Bank increased by 153, 40 and 13 respectively. In fact, from 20 1 1 to 20 15, the total number of institutions in the five major banks has increased every year in the past five years. Although it decreased in 20 16 years, it was still higher than all years before 20 15 years, and increased by nearly 5% compared with 20 1 1 year.
As can be seen from Table 2, the total number of employees in five major banks of 20 1722385, that is, 20 1740 12 1, decreased by 17738+0%. Among them, China Construction Bank, Agricultural Bank, Industrial and Commercial Bank of China and China Bank decreased by 670 1, 6384, 45971/42 respectively, and Bank of Communications increased by 1088 respectively. Similarly, from 20 1 1 to 20 15, the total number of employees in the five major banks has increased every year in the past five years. Although it decreased in 20 16 years, it was still higher than all years before 20 14 years, and increased by 10% compared with 201year.
You may wonder why 20 1 1 is the starting point of comparison. You know, 20 1 1 is the peak year of banking development in China. In that year, the total assets and liabilities of the entire banking industry increased by nearly 20%, and the net profit of 16 listed banks increased by 29% compared with the previous year. Many banks even increased by more than 50%. However, compared with 20 1 16, the number of institutions and employees in the five major banks increased by 5% and 10% respectively. In fact, table 1 and table 2 only show the changes in the institutions and employees of five large commercial banks. As well as medium-sized commercial banks such as joint-stock commercial banks, the number of institutional outlets and employees has been increasing in recent years. The Report on the Improvement of Banking Services in China in 20 16 released by China Banking Association on March 5, 2000/6 also shows that there were 227,900 banking outlets in China in 20 16, an increase of more than 3,800 over the previous year.
Therefore, the basic judgment of Kashin Group is that the number of domestic banking institutions and outlets is relatively stable at present, and there is no large-scale abolition of institutions and personnel at present, and it will not be used as the main means to reduce costs in the future. Judging from the situation of the five major banks, in 20 16, the number of institutions and personnel decreased slightly, mainly due to structural adjustment and optimization; In the future, it is possible to actively reduce institutions and personnel, and streamline physical outlets and counter personnel. There is a certain space, but the scope is limited.
As for the decrease in the total number of some large banking institutions (mainly physical outlets), the main reasons are:
First of all, with technological innovation and changes in demand, the interaction between customers and banks has undergone profound changes. Many businesses that need to be handled at the counter can be handled by themselves through electronic channels such as mobile banking, and the counter business volume has declined;
Second, with the promotion of intensive management, banks have increased the integration of system resources, and some businesses are concentrated in the background, reducing costs, improving efficiency and reducing dependence on physical outlets. In addition to the reduction in the number, many banks have transformed their original "big and comprehensive" outlets, making them "light" and "intelligent". For example, in 20 16, China Agricultural Bank completed the optimized relocation of 1807 outlets and 409 outlets.
With the decrease in the number of outlets and the "slimming" of scale and business concentration, the number of employees in the physical outlets of the five major banks, especially the counter staff, has decreased, but it is mainly structural adjustment rather than layoffs. For example, in 20 16 years, through the adjustment of human resources structure, the number of counter staff was reduced 14000, of which about 3000 were engaged in emerging business and account manager10000. Through the adjustment and allocation of banks, the efficiency of human resources has been better improved. Last year, the total number of ICBC only decreased by 1%, but the internal structure adjustment reached 6%.
In the future, with the progress of technology and the change of customer demand, there is still room for the reduction of China's bank counter business. In this context, for the four major banks with a large number of institutions and personnel, there will be some room for streamlining the total number of institutions and personnel. According to the research of Bank of Communications analysts, the number of counter staff in China's banking industry may be reduced by about 20% in the future, but training and job transfer will be conducted within the bank, and there will be no large-scale "layoffs". Research shows that the composition of employees in China's banking industry is quite different from that in Europe and America. In European and American banks, 60-80% of marketers and tellers account for about 20-40%. In China, tellers account for 70-80%, and marketers only account for 20-30%. In the past, the physical outlets of China banking industry were mainly "accounting transaction type", but now they are changing to "marketing service type". In this process, there is a lot of room for counter staff to switch to marketing staff.
In fact, another reason for the decrease in the number of employees in the five major banks is the flow to financial peers and non-financial institutions. According to the survey of China Banking Association, in recent years, the flow of bank personnel between banks is still the main body, such as large banks flowing to joint-stock banks and city commercial banks; At the same time, the flow of personnel to securities, funds, trusts, leasing and other non-bank financial institutions and similar financial institutions has gradually increased. This reflects more the deepening of the financial system and the rise of emerging financial formats than the "dying struggle" of big banks.
As the article said at the end, this more reflects the deepening of the financial system and the rise of emerging financial formats. Just like the transformation of the army from the original quantitative force to the scientific and technological information force, it is a truth. Kashin Group believes that banks will have the strongest adaptability to the new situation in the future. Because banks have the richest customer data and market information reports, as long as they gradually meet the market demand, banks will still play an irreplaceable role in the future financial market. I hope this information will help my friends.