银行网点转型:动因、典型案例及策略选择

Transformation of the Bank Outlets:Motivation,Typical Cases and the Strategy Choice

作为提供服务的核心载体--物理网点对传统银行的重要性不言而喻。但在新常态和金融科技双重冲击下,传统银行物理网点功能有所弱化,转型成为必然要求。本文基于新常态和金融科技对传统银行物理网点双重冲击分析,利用商业银行网点选址布局模型分析银行网点转型趋势,并借鉴国内外转型成功案例的经验,提出我国商业银行网点转型的方向和策略。

The importance of physical outlets as a core carrier of service delivery to traditional banks is self-evident. However, under the dual impact of the new normal and financial technology, the function of traditional bank physical outlets has been weakened and transformation has become an inevitable requirement. Based on the analysis of the dual impact of the new normal and financial technology on the physical outlets of traditional banks,this paper analyzes the trend of bank outlet transformation by using the commercial bank outlet site selection and layout model,and proposes the direction and strategy of commercial bank outlet transformation in China with reference to the experience of successful cases of transformation at home and abroad.