数字化转型中的商业银行网点经营现状和突破方向  

The Current Situation and Breakthrough Direction of Commercial Bank Branch Operation in the Process of Digital Transformation

作　　者：付蔚[1] FU Wei(Chengdu Polytechnic,Chengdu 610041,China)

机构地区：[1]成都职业技术学院,四川成都610041

出　　处：《商业观察》2025年第4期21-24,共4页BUSINESS OBSERVATION

基　　金：成都职业技术学院科研创新团队研究成果(23KYTD09)。

摘　　要：当前,银行业正面临数字化转型的机遇和挑战,商业银行网点的数字化改造成效则是银行竞争力的重要影响因素。文章在分析近年来我国银行网点数量、离柜交易笔数及金额、行业平均电子渠道分流率、客户服务满意度指数等指标的基础上,发现目前银行网点的数字化转型虽然已经初见成效,但是也存在一系列的问题及挑战,如营销难度大、部分网点空间利用率低、智能机具和服务人员的配置不合理、重数字化轻人性化与个性化、出现新的风险防控挑战等;并结合国内银行现有的一些转型成果与笔者思考,总结和分析了有助于商业银行深化转型、实现突破的措施和方向。Currently,the banking is facing opportunities and challenges of digital transformation,and the effectiveness of digital transformation of commercial bank branches is an important factor affecting the competitiveness of banks.Based on the analysis of the number of bank branches,number and amount of off counter transactions,industry average electronic channel diversion rate,customer service satisfaction index in recent years in China,this article believes that the digital transformation of bank branches has achieved initial results,but there are also a series of problems and difficulties,such as high marketing difficulty,low space utilization rate of some branches,unreasonable configuration of intelligent equipment and service personnel,emphasis on digitalization over humanization and personalization,and the emergence of new risk prevention and control challenges.Combining with the existing transformation achievements and personal thinking of domestic banks,this article summarizes and analyzes the measures and dir ections that can help deepen transformation and achieve breakthroughs.

关 键 词：网点 数字化转型 降本增效 

分 类 号：F832.33[经济管理—金融学]