Will the future banks fail and disappear?

Judging from the situation abroad, many once great star banks in the world have lost their crowns and faded their aura. In the United States, Wells Fargo, which survived the financial crisis and once ranked first in the world in market value, was fined by the regulatory authorities for falsely opening customer accounts. In Europe, Deutsche Bank, a global systemically important bank with a history of 150 years, is in deep crisis and on the verge of bankruptcy. ......

From the domestic situation, 2 1 A-share listed banks have disclosed their third-quarter performance reports. The net profit of most banks, especially large banks, grew slowly, and the operating income, especially interest income, generally declined. Although the "Shuang Sheng" trend of non-performing loans of many banks has been curbed, the pressure on asset quality is still great, and the provision coverage ratio continues to decline; The credit structure needs to be improved, and new business growth points have not yet been formed. ......

As a result, all kinds of alarmist remarks come and go around us, which can be summarized as follows: first, there are more and more bad debts in banks, and many banks will go bankrupt; Second, a large number of bank outlets were abolished and most employees were laid off; Third, under the impact of the Internet, banks will disappear from the earth in a few years.