Japan's largest bank, Mitsubishi Tokyo UFJ Bank, plans to cut the number of outlets by 20%. At the same time, the bank also plans to significantly cut its existing manual business to reduce operating costs. According to the plan, 10% to 20% of the bank's 480 outlets will be abolished and merged within three years from the 20 18 fiscal year.

In the next 15 years, the outlets will be divided into core outlets and non-core outlets, most of which will become "lightweight" outlets, which means that the staffing will be reduced accordingly, and even become unmanned outlets for fully electronic window services. In addition, the business of about 9,500 employees will be automated, which may mean that these employees will be laid off. This figure accounts for about 1/3 of the total number of employees in this bank in Japan.

Influenced by the popularity of internet finance, long-term ultra-low interest rates, population decline and other factors, the number of customers going to bank outlets for business is decreasing, forcing major banks in Japan to change their business methods, reduce costs and improve efficiency. Asahi Shimbun reported that in the past 10 years, the number of customers in Mitsubishi UFJ Bank outlets decreased by 40%, and more and more customers turned to e-banking services. Japan's "Information Technology" website reported the reform plan of Mitsubishi UFJ Bank with the theme of "The Times of Bank Staff Suffering Will Come". Industries such as low interest rates are more likely to get involved in financial business, which hinders the growth of bank income. Among developed economies, Japan uses a high proportion of cash, and Japanese banks spend a lot on managing and transporting cash. If we strengthen e-commerce, we can greatly reduce the operating costs of stores and have the potential for further savings. According to the estimation of Mitsubishi UFJ Financial Group, a series of measures can reduce its cost by 654.38+02 billion yen (about 654.38+065.438+00 billion US dollars).