(original) banks can improve the efficiency of thin

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(original) banks can improve the efficiency of thin

(original) bank can be slimming efficiency four lines are children collective outlets or be thin on the abolition of the existing network. Large outlets, was four for access to low cost funds "moat", but in the mobile Internet, especially mobile payment under the impact of low performance network is facing the fate of "down". Huge bank teller groups began to lose their jobs. Agricultural Bank of China recently released annual report last year, the 1800 inefficient outlets were downsizing, in more than 1.2 outlets to promote standardization transformation. The other three lines, without exception, the transformation of the network or even removed. (March 31st "bread finance") Yang Zaiping, vice chairman of the China Banking Association, in the "2016 China Banking Development Forum" keynote speech. He said that the banking industry must change the new way of living. The good old days are over, and they are in trouble. Breakthrough predicament is imperative. How can we get the banks to break through? Silent, silent! Not in the silence of the outbreak, in the silence of death. Either to improve efficiency to survive, or to be eliminated in the wave of technological change - a challenge for many banks. Either transition, or change jobs, or lose their jobs - more and more banks are faced with such anxiety. In this regard, our banks have no choice, in the face of strong opponents, knowing that the enemy, but also to deal with the challenge, even if the fall, but also to become a mountain, a ridge - to improve efficiency in order to survive! Banks do not self revolution, it is ready to be a revolution - in the wave of technological change was eliminated! Yes, and if we shoulder the responsibility to support the real economy in the face of current workers and peasants in the construction of the four major state-owned commercial banks from the long-term strategic situation, the four major state-owned commercial banks, long story short, "open cut Ma Su leadership rendered ineffectual by recalcitrant subordinates," the abolition of teller outlets and lost the post is a must. This is: put down the burden of running machine, traveling light, swagger Fenti! Why are the four major state-owned commercial banks are the abolition of collective outlets or slim existing outlets? Contrary to the contrary, the current situation is also different. Four state-owned commercial banks on the network downsizing, transformation and elimination, and the efficiency is not unrelated. Agricultural Bank of China, for example, in 2016 the bank's per capita income of only 1 million 18 thousand and 100 yuan, representing a decrease of nearly $50 thousand last year. Agricultural Bank of China in 2016 to nearly 1800 inefficient outlets implemented downsizing, is a real example. Prior to the start of the current round of banking in 2016, the four lines of per capita revenue and profit levels in the A-share listed banks in the long-term bottom A. In 2016 the bank's annual report has not yet been fully disclosed, A shares the number of listed banks have expanded to 25, but according to the part of the bank performance has been disclosed, the four pedestrians were at the bottom of the situation has not improved performance. In the bank to reduce interest rates, bank performance growth slowed down in the background, the abolition of the network, the low efficiency of the network has become an inevitable choice for banks to improve efficiency. Four state-owned commercial banks exist problems, or chronic illness, presumably a lot of people will not feel strange. For example, forget the origin of the blind multiplication, full license, keen on staking to earn quick money, leading to the main industry is not main, professional pair, redundant personnel and low efficiency, especially the management and legal level etc.. These problems a good economic situation at home and abroad, the economic environment is relatively relaxed, may not have much feeling, but once the business environment changes, such as the mobile Internet rapidly, these problems will be revealed, resulting in damage to the banking development, Yin Hangli run and employee benefits. The herd do financial phenomenon in society, all kinds of new financial, financial, quasi financial cards have all kinds of blossom everywhere, and no cards, online and offline, debt, equity, cross industry professional. Is a sign of economic and financial indicators to measure the different stages of the development of economy and society, the trend of finance has reasonable side, the key is how to grasp the "degree", may lead to excessive financial financial behavior, the alienation of the real economy caused by ischemia. The bank's good days are over, and the time of lying is gone forever! This year, the situation is not good, I heard that there are retail colleagues end of the year award took only 5.62 yuan. And this year, the assessment of C- although the year-end bonus but not to renew the contract expires, and the assessment of D or by direct examination of layoffs, I can also, also get a year-end bonus, but I have to leave the task to how much pressure, too many things too complicated, you want to switch to try other occupation I, information management department, is not difficult to quit, an entry for 6 years in a joint-stock bank staff on the old Xiao Bian said. These banks accumulated bad debt, bad debt itself too much; the interest rate market to further weaken the bank's profit margins; small and medium-sized banks established continuously, intensified the competition between banks; network and P2P babies who took the cheese bank; the next few years, the stock market, bank deposits will continue to be blood; "the market play a decisive role in allocating resources, the registration system of small and medium-sized enterprises, a large number of listed enterprises through equity financing. You can bypass the bank, there will be no small and medium enterprise loans difficult...... The trend of the world, go forward with great strength and vigour, Shun Chang, nizhizhe wu. It's hard to win in the new round. Sunshine always after the storm, we believe that after experiencing the pains of the four state-owned commercial banks, will be more physically fit, enhance competitiveness, better serve the real economy