Traditional banks have reduced the number of ordinary windows open. Why do we rarely go to bank counters?

Nowadays, mobile network payment and transfer services have penetrated into every corner of life, and bank counters have become increasingly invisible. But the paradox is that on the one hand, fewer and fewer people go to bank counters to do business; on the other hand, every time you go to a bank branch, you still have to wait in line for a long time. Faced with the impact of Internet finance, traditional banks have cut back on counter services to reduce costs. However, at the same time, the quality of counter services has also declined. Some banks have removed counter seats, and some banks have reduced the opening of ordinary windows...

When you go to a bank branch to do business, the lobby manager will recommend that you go to an ATM or other smart device to do business. . This is not difficult for young people, but it will cause many difficulties for the elderly. Zhang Tao, president of a bank branch in Hebei, did some calculations: the average annual labor cost for a teller is about 100,000 yuan, and buying a slightly more expensive smart device is also about 100,000 yuan. The area occupied by tellers and their office equipment is 7-9 square meters, and the equipment only requires about 2 square meters. As long as there is demand, the equipment can operate 24 hours a day, and the error rate is far lower than manual operation.

Major banks are still reducing their headcount. By the end of 2016, ICBC had reduced its number of tellers by 14,090, Agricultural Bank of China had reduced its number of tellers by 10,843, and China Construction Bank had reduced its number of tellers by 2,851 in 2014, 4,881 in 2015, and 30,007 in 2016. Agricultural Bank of China also added 6,909 tellers in 2015, while in 2016 it decreased by 10,843 tellers.

The reduction in the number of bank tellers is an inevitable result of bank intelligence. The ultra-high rate of out-of-the-counter business has provided sufficient reasons for the reduction of physical branches and tellers.