On February 20th, Beijing Banking Insurance Regulatory Bureau issued an announcement, and Beijing Lianxiangqiao Sub-branch, Meteor Garden Sub-branch, Ganluyuan Sub-branch and Songjiazhuang Sub-branch of Agricultural Bank of China Co., Ltd. were allowed to suspend business.
Look at the last announcement of the Beijing Banking Insurance Regulatory Bureau on February 8, and many branches of the Agricultural Bank of China were approved to suspend business.
Generally speaking, the termination of business refers to the removal of the original site signs and signs by bank outlets, and no longer handling financial business.
Bank closures are nothing new, but it is rare for so many branches in the same city to close at the same time. It has become an indisputable fact that the number of bank outlets is decreasing.
According to relevant statistics, as of June 165438+1October16, 2938 bank outlets were closed last year, and 2 198 were newly established or transferred in the same period, with a net decrease of 740 nationwide during the year.
While the number of outlets is decreasing, the number of bank employees is also decreasing.
It is reported that in the first half of last year, the employees of China Industrial and Commercial Bank decreased by 10308, and the employees of Agricultural Bank and China Construction Bank also decreased by more than 8,000.
Of course, tellers bear the brunt of bank layoffs.
With the rise of electronic payment, fewer and fewer people handle business at the bank site, and the business volume of senior counters (remittance, settlement and wealth management) has shrunk dramatically. Network outlets are not only being replaced by mobile banking, but also the cost of venues and staff is greatly reduced. Even if the outlets stay, banks are constantly learning about the so-called intelligent outlets.
With the transformation of bank outlets, tellers must also transform.
Some people joked that the banking industry is now deeply involved. If you study finance, you may study computer, legal affairs, sales and so on.
The tellers left behind are not easy to mix,
For example, in the recent news, in Dalian, Liaoning, a woman went to the bank to deposit money. It was just dinner time at that time, but many shop assistants were afraid to eat for fear of missing the phone call. Six of the nine windows in the bank are closed, and one of the three open windows has gone to eat! In the end, the woman took 200,000 in anger and confronted the bank staff.
Under the impact of internet finance, on the one hand, banks are more or less reducing window business, reducing staff and withdrawing counters, on the other hand, wealth management business and foreign exchange business are time-consuming, multi-role and repetitive.
Tellers really don't smell good