According to reports, from the perspective of the types of outlets that have been shut down, there are only 137 bank community branches and small and micro branches; There are also 62 branches of rural commercial banks. Their total number is 199, accounting for more than half of the closed network points.
Judging from the geographical distribution of closed outlets and the distribution of affiliated banks, banking institutions in 29 provinces (including municipalities directly under the Central Government) announced the closure of outlets, and the number of closed outlets in 14 provinces or municipalities directly under the Central Government exceeded10 in the last four months; Zhejiang, Yunnan, Beijing, Tianjin, Sichuan, and Shanghai have 42, 27, 27, 26, 22, 265, and 438+0 shutdown sites, respectively, ranking in the forefront. Among them, Zhejiang, Beijing and Tianjin all "raised" their bases because rural commercial banks closed too many outlets.
Judging from the distribution of closed outlets, in addition to various rural commercial banks, Minsheng Bank, Ping An Bank, Shanghai Pudong Development Bank and China Construction Bank closed 49 outlets, 365 outlets, 438+0 outlets, 26 outlets and 22 outlets respectively in the past four months. However, the statistics of the changes in the number of employees in these four banks show that the growth rate of their employment demand is slowing down, but the total number of employees is relatively stable and their business is developing steadily.
According to reports, the most obvious change in the number of employees is Ping An Bank. During the great expansion of banking assets in 20 1 1 and 20 12 years, the total number of employees of Ping An Bank increased by 76.0 1% in that year and by 20 13 years/6.98%, and the growth rate slowed down in the following three years. They are 5.26%, 8. 17% and 14.20% respectively. By 20 17, the number of employees decreased by nearly 6,600, with a decrease rate of 17.87%. The past three years have also witnessed the fastest development of Ping An Bank's retail banking business. The number of business outlets and physical counters has been reduced to improve efficiency, and many traditional personnel have flowed to internet finance business, or turned to emerging businesses such as securities, leasing and trust and non-bank institutions.
In addition, with the third-party payment such as Alipay and WeChat payment gradually attacking the city, "going out with only a mobile phone" has become the choice of more and more people. ATM machines, once accepted by users because of their convenience and 24-hour service, are also facing an embarrassing evacuation tide.
Statistics show that the ATM market in China has entered a flat period. According to the data of the central bank, by the end of 20 16, 10,000 ATMs had been deployed nationwide, an increase of 57,500 over the previous year, with a growth rate of 6.63%. Although it continues to grow, it is far below 25% in 20 12 and 20 13 years.
1On October 29th, 65438, an ATM of China Everbright Bank, which once stood in the northeast corner of the first floor of Xidan Shopping Center, was quietly moved away.
"The rent is too expensive! In a popular location like Xidan, the venue rent of shopping malls is more than 10 thousand yuan a year. In the past, there were revenues such as transaction volume and handling fees. Now the machine can't reach the water, and finally the bank decided to withdraw. " A person close to China Everbright Bank revealed to reporters the reason for the withdrawal.
It is not uncommon for the ATM of China Everbright Bank to be withdrawn. The staff of a large commercial bank also admitted to the reporter that its bank had removed ATM machines in many places in just one year.
A bank ATM salesman told reporters that there is not much interest in installing a new shopping mall now:
From 20 17, all banks are withdrawing money, because the cash transaction volume is not as good as before, and now the cash transaction is restricted by electronic payment, and the cost is too high, so the leaders decide to compress it if they can.
With the development of self-service banking, online banking, telephone banking and mobile banking, the number of 2017771400 million counter transactions of banking financial institutions increased by 63.68% year-on-year; At present, the banking counter business rate is 84.3 1%, up 6.55% year-on-year. At the same time, there were 84.992 billion online banking transactions, a year-on-year increase of 98.06%; The transaction amount of mobile banking 140.57 trillion yuan, up 98.82% year-on-year; The number of transactions on the e-commerce platform totaled 328 million, with a transaction volume of 1.98 trillion yuan; The number of WeChat bank transactions was 2180,000, with a transaction amount of 9.97 trillion yuan, more than 30 times that of last year.
Cash-free and digital currency is irreversible.
The sudden drop of ATM business is behind the sharp increase of non-cash business. According to "China Payment and Clearing Industry Operation Report (20 17)" issued by China Payment and Clearing Association:
In 20 16, * * non-cash payment services were handled nationwide12511billion, with an amount of 3,687.24 trillion yuan, up by 32.64% and 6.9 1% respectively. From the perspective of global comparability, the number of non-cash payments in China in 20 15 years accounted for 22. 12% of the global non-cash payments, and the growth rate was more than four times the global average.
The president of a joint-stock bank said that the use of cash will definitely be less and less. According to its analysis, it is impossible to completely remove cash within ten years. After all, "in addition to age, people need to leave no trace in some areas of paying income." The use of ATMs will be reduced. There may be industries that specialize in providing automatic deposit and withdrawal services. "
"Monetization or digitization of money has become an irreversible trend!" Wang Yongli, former vice president of China Bank and academic member of International Monetary Research Institute of Renmin University of China, said.
Director of the Banking Research Office of the Institute of Finance of China Academy of Social Sciences explained that the change of ATM is not isolated, because the cash usage is declining, the physical outlets of banks are also facing the problem of slimming down, and even the business of banknote printing companies may decline. This problem needs to be viewed from the perspective of changes in financial services caused by changes in customer payment habits.
Shen Liang said that banks have been constantly changing the types of equipment in recent years. Through the diversion and integration of services, simple services are completed on the equipment, and all the businesses that need to go to the counter are time-consuming or must be faced by people.
"On the one hand, it is related to the influence of bank operating conditions on business lines; On the other hand, under the impact of financial technology, Ping An Bank, Shanghai Pudong Development Bank and China Construction Bank are all in transition, going to the counter and ignoring assets. " An insider of the stock bank told reporters.