中國銀行業的實體網點正加速消失，今年已有9000多家銀行網點關閉，成為金融業的一大熱議話題。根據最新統計，今年因合併或解散而被註銷的銀行已達377家，比去年全年190余家翻一倍，顯示出銀行業整合的速度明顯加快。而更直觀的現象是物理網點的縮減，今年已有9661家銀行網點獲批退出，比2024年全年增長超過200%，相當於平均每天就有26家網點消失，對消費者的日常金融服務產生直接影響。

從區域分布來看，內蒙古、四川、山東、河南是銀行註銷和網點關閉最嚴重的省份。其中內蒙古以139家銀行註銷位居全國首位，核心原因是當地農村信用社系統進行了大規模整合。類似的合併、重組現象在其他省份也同樣存在，反映出銀行業正在進行結構性調整，以應對市場變化和風險管理需求。

實體銀行網點消失背後的原因多重且深遠。首先，數字化轉型正在加速推進。隨著網上銀行、手機銀行、支付工具和電子錢包的普及，越來越多的消費者選擇線上辦理業務，實體網點的使用率持續下降。其次，銀行業面臨盈利壓力，維持大量低效率網點的成本日益高昂，尤其是在偏遠地區或客流量較低的城市，實體網點已不再經濟可行。此外，監管政策也鼓勵銀行通過合併重組來提升資產質量與風險控制能力，集中資源發展核心業務，減少過度分散的實體布局。

這一趨勢既反映金融科技的快速發展，也凸顯中國銀行業結構性改革的迫切性。雖然實體網點的大幅縮減可能給部分老年群體或習慣線下服務的客戶帶來不便，但對整個行業而言，這是提升效率、降低成本、強化風險管理的一個必然過程，也將推動銀行更好地向數字化、智能化服務模式轉型。

China’s banking sector is witnessing a rapid disappearance of physical branches, with over 9,000 bank outlets closing this year, becoming a major topic of discussion in the financial industry. According to the latest statistics, 377 banks have been deregistered this year due to mergers or dissolutions, nearly doubling last year’s total of around 190, highlighting the accelerating pace of industry consolidation. A more tangible indicator is the reduction of physical branches: 9,661 bank outlets have been approved for closure this year, an increase of over 200% compared to the entirety of 2024. This equates to an average of 26 branches disappearing every day, directly impacting consumers’ access to traditional banking services.

Regionally, Inner Mongolia, Sichuan, Shandong, and Henan have seen the highest number of bank deregistrations and branch closures. Inner Mongolia leads the country with 139 deregistered banks, primarily due to large-scale consolidation of the local rural credit union system. Similar mergers and restructuring efforts are occurring in other provinces, reflecting a structural adjustment in the banking industry aimed at responding to market changes and improving risk management.

The disappearance of physical bank branches is driven by multiple, far-reaching factors. First, digital transformation is accelerating. With the widespread adoption of online banking, mobile banking, payment apps, and digital wallets, more consumers are opting to conduct transactions online, reducing the utilization of physical branches. Second, banks face increasing profitability pressures, making it costly to maintain large numbers of low-efficiency branches, especially in remote areas or cities with low customer traffic. Additionally, regulatory policies encourage banks to consolidate and restructure to improve asset quality and risk control, focusing resources on core operations while reducing overly dispersed physical networks.

This trend reflects both the rapid development of financial technology and the urgency of structural reform within China’s banking industry. While the significant reduction of physical branches may inconvenience certain groups, such as elderly customers or those accustomed to in-person services, for the industry as a whole, it represents a necessary step toward improving efficiency, lowering costs, and strengthening risk management. Ultimately, this shift is expected to drive banks toward more digital and intelligent service models.