The banking industry is facing a "big reshuffle" and more and more banks are "disappearing". What about the depositor's deposit?

According to the data released by the China Banking Regulatory Commission, 6280 bank outlets have been closed in the past two years, and 945 bank outlets have been closed since 20021. In addition to the closure of a large number of bank outlets, a large number of ATMs have also been abolished. In 2020 alone, the number of ATMs abolished was as high as 83,900.

The reason why banks shut down a large number of outlets and abolished ATMs is also very simple, that is, to control operating costs. In recent years, with the prevalence of mobile payment, online banking and mobile banking, fewer and fewer people go to banks to handle business, and the operation of these outlets requires a lot of costs. In the case of fewer customers at outlets, it is natural to close outlets and abolish ATMs.

Many people may say that banks make so much money that there is absolutely no need to close these outlets. Indeed, banks are very profitable. According to the data released by ICBC, the net profit in the first quarter of 2002/KLOC-0 reached 85.73 billion yuan, which is 950 million yuan in one day. But not all banks make money. Up to now, the number of domestic banks has reached more than 4,000, and there is fierce competition among them. There are not many banks that can really make big money. Many small and medium-sized banks are quite weak in making money, and some not only can't make money, but even lose money. For example, in 2020, baixin bank lost 388 million yuan.

However, many small and medium-sized banks have poor performance and weak viability. In order to avoid successive failures, the banking industry has also ushered in a "big reshuffle" in the past two years, and many banks have "disappeared" one after another, such as Zhengzhou suburban rural credit cooperative union and Zhengzhou urban rural credit cooperative union, which disappeared at the end of 20 19. Now the outlets of these two banks can't be seen on the street, and they are replaced by Zhengzhou Rural Commercial Bank and Panzhihua Commercial Bank in Sichuan Province.

More and more banks are disappearing in 202 1. For example, Shanxi Bank, which just opened on April 28th, was formed by the merger and reorganization of five city commercial banks: Datong Bank, Changzhi Bank, Jincheng Bank, Jinzhong Bank and Yangquan City Commercial Bank. After the merger, these bank outlets will never be seen again.

On May 2 1, the CBRC approved the establishment of a new bank, namely Liaoshen Bank, which officially opened on June 9. According to the original plan, Liaoshen Bank will merge with 12 local city commercial banks in the next two years. At present, there are 5 city commercial banks/kloc-0 in Liaoning province. After the merger of these 12 banks, the whole Liaoning province will be in the future. Then why do these small and medium-sized banks merge and reorganize?

As we said above, the main reason is to avoid bankruptcy. In recent years, with the rise of internet finance and geographical restrictions, the survival pressure of these small and medium-sized banks is increasing. The data shows that in 2020, the net profit of city commercial banks declined by 14.48%, while the agricultural business also declined by 14.6 1%. In order to survive and not fail, will the disappearance of more and more banks affect depositors' deposits?

It may affect the deposit and withdrawal of some depositors in a short time. After all, not all depositors know that these banks have been merged. When they think about withdrawing money from these banks in the future, they will find that the banks are gone, and they will be more or less worried. However, in the long run, small and medium-sized banks holding a group to keep warm can make these banks survive better, and at the same time make depositors' deposits safer and better serve depositors.

Merger and reorganization is a major trend of the development of small and medium-sized banks in the future. Banks that "disappear" will only increase. How to treat the merger and reorganization of banks?