Source: China Banking Association.

　　Cartography: Wang Zheping

　　Zhang Jie, a 26-year-old Beijing citizen, recently went to a bank outlet to do business and found that the outlet downstairs of the company had closed down. "Take the subway to work in the morning, and you can enter the station by scanning the code with the mobile APP bound to the bank card. Shopping can be paid by online banking, and credit card repayment is also through the mobile banking APP. Now I am used to online financial services, and there are fewer and fewer banks. Although there are fewer outlets around me, it has not brought any inconvenience. " Zhang Wei said.

　　In recent years, banks have accelerated the development of online business, and the business volume of online banking and mobile banking has increased rapidly. According to the latest data released by China Banking Association, online banking transactions of banking financial institutions reached 163.784 billion last year, up 7.42% year-on-year, and mobile banking transactions reached 121.451 billion, up 38.88% year-on-year. At the same time, many people have found that the number of bank outlets around them has increased.

　　Under the trend that people are increasingly favoring online financial services, where is the value of offline banking outlets? How to realize the transformation and development of outlets and improve service quality and efficiency? The reporter conducted an investigation and interview.

　　Are bank outlets still important?

　　Bank outlets still play an important role in serving specific people and regions and handling non-standardized business.

　　Why has the situation of bank outlets closed increased? According to several bank managers, more and more consumers like online banking, mobile banking and other online channels, and the proportion of businesses that need to go to the counters of bank outlets is gradually decreasing. The abolition of outlets is mainly due to the lack of customers and low efficiency.

　　In terms of the total amount, by the end of 2019, the total number of outlets of banking financial institutions had reached 228,000, and the number of outlets actually abolished this year only accounted for a small proportion. To meet people’s diversified financial service needs, bank outlets still play an irreplaceable role.

　　Uncle Lu, who lives in Shifosi Village, Yufa Town, Daxing District, Beijing, is over 80 years old and wants to deposit a sum of savings on a regular basis. How many years of products do you have? What is the interest rate? How much interest is it every year? With full of questions, he came to Daxing Xinhangcheng Sub-branch of Ping An Bank not far from home.

　　After understanding Uncle Lu’s needs, the bank staff answered his questions one by one, figured out the fixed interest rate of each file and how much interest he could get each year, listed it in a table, and then explained it in detail.

　　While listening to the explanation and looking at the form, Uncle Lu chose a time deposit that suits him. "You’d better make it clear, but I can’t figure it out myself." Uncle Lu was very happy. "Moreover, I am old, and it is inconvenient to save money with the self-service deposit and withdrawal machine. With the assistance of the staff at the outlets, I am much more practical."

　　Aunt Hai runs a small shop in Yabao Road, Chaoyang District, Beijing. Every month, she goes to the bank outlets to handle business such as change. "Many customers choose to pay in cash. If there is more or less change, they must go to the outlets to exchange it."

　　Sun Anqin, vice president of Ping An Bank Beijing Branch, said that from the perspective of clients, for some elderly people who are not suitable for online banking or other customers who are not good at or willing to do business online, banks can provide them with more thoughtful services by relying on physical outlets.

　　From the perspective of business types, offline outlets still play an irreplaceable role in some non-standardized businesses. "For example, for the service needs of private bank customers’ financial consulting, financial managers need to communicate with customers face to face to meet their differentiated and personalized needs. In addition, due to regulatory requirements and risk prevention needs, bank card opening and enterprise opening bank accounts must also be handled at bank outlets. " Shen Chunhua, general manager of the channel management department of China Everbright Bank, said.

　　"In the past, bank outlets provided customers with a large number of transactional financial services. With the development of online channels and self-service channels, the transaction attributes of outlets have been gradually replaced, and now customers mainly come to outlets because of complex transactions and complex needs. The service of bank outlets is more intuitive, flexible, humanized and professional, and it is still the main channel for banks to sell products and maintain customers. " Wang Haiquan, general manager of the Channel and Operation Management Department of Bank of China, said that in recent years, the average number of customers served by outlets throughout the Bank has stabilized at around 200 million, indicating that outlets still play an important role.

　　From the perspective of regional layout, the coverage of bank outlets is still increasing in areas with weak financial services such as "agriculture, rural areas and farmers". By the end of 2019, banking financial institutions had covered basic financial services to 166,300 administrative villages in 832 key poverty alleviation and development counties through institutional outlets, machine services and mobile services, with a coverage rate of 99.3%.

　　Ceng Gang, deputy director of the National Finance and Development Laboratory of China Academy of Social Sciences, said that the sinking of bank outlets to the grassroots level has made up for the financial shortcomings in rural areas and can play a positive social benefit. At the same time, with the economic development in rural areas, the demand for financial services is increasing, and there is huge room for development in inclusive finance, and banks themselves will also reap good economic benefits.

　　How to better transform and develop?

　　Many banks are actively exploring in improving service efficiency, expanding service content and changing service methods.

　　People in the industry generally believe that in the future, bank outlets will still occupy an important position in people’s lives, and banks will also rationally adjust the layout of outlets according to actual operating conditions and local service needs. China Banking and Insurance Regulatory Commission clearly pointed out that banking financial institutions should fully investigate the financial market structure, supply and demand of financial services in the new and original locations before changing their business premises, so as to avoid creating a financial service gap.

　　How should bank outlets be transformed? The reporter learned from the investigation that many banks are actively exploring ways to improve service efficiency, expand service content and change service methods.

　　Intelligent, with higher service quality and efficiency — —

　　It used to be a very complicated thing for enterprises to open bank accounts. Prepare a lot of materials, queue up at the bank, fill out a lot of forms, and stamp a lot of official seals … … It often takes a whole day. The research and development of Sunshine E account opening system of China Everbright Bank was launched, which helped customers solve these troubles.

　　"Online booking application for account opening, filling in the industrial and commercial data system, and electronicizing the seal are optimized, which greatly saves the time for account opening." Sun Jihua, the financial controller of a company, said that it took only 40 minutes from entering the bank to opening an account, "much faster than I expected".

　　In recent years, the intelligent transformation of bank outlets is in full swing. You can withdraw money with your mobile phone without a bank card; The whole money and change can be stored together, and self-service equipment can also be handled; Bank card can realize fast card exchange with the same number & HELIP; … A variety of intelligent services constantly improve the customer experience of bank outlets. The insiders believe that making full use of scientific and technological means, developing intelligent equipment and tools, and upgrading offline outlets will improve the service efficiency and quality of outlets.

　　At the same time, the machine replaces the manual to complete some tedious processes, which is conducive to allowing more staff to walk out of the counter and provide accurate services according to the differentiated needs of customers.

　　Integrated and diversified services are introduced — —

　　While promoting intelligence, bank outlets are also paying attention to integrating into demand scenarios, expanding service content and giving full play to service functions.

　　"China Everbright Bank actively promotes the comprehensive transformation of banking outlets, giving outlets cultural services, tourism consultation, health management and other functions." Shen Chunhua said that Guangzhou Yuexiu Sub-branch of China Everbright Bank, as the host bank of medical insurance business in Guangzhou, has an average daily passenger flow of about 500 people, much higher than the average level of the whole bank. At present, the branch serves more than 10 million medical insurance customers.

　　Bank of China Guangzhou Lujiang Sub-branch cooperates with the local library to open a special reading area at the outlets, and books can be borrowed and returned at the outlets. In Jie Fangbei Business District, a tourist hotspot in Chongqing, Ping An Bank Chongqing Jie Fangbei Sub-branch has launched cultural and creative products, and will also introduce reading corners. Some rural bank outlets can also provide express delivery and other services.

　　"In the future, the spare space of outlets can be diversified and transformed into a place for customers to consult and exchange, share learning, share office, and carry out community activities." Wang Haiquan said.

　　Be more proactive, and banking services will go out — —

　　Not long ago, the Chinese Business School of Guangdong University of Finance and Economics ushered in the opening season. The staff of China Bank Guangdong Zengcheng Sub-branch took five mobile smart counters to the school to provide on-site financial services for teachers and students. Teacher Huang of the school said that in the past, card opening and mobile banking had to be handled at bank outlets, but now the bank provides on-site service, which can be completed in just a few minutes.

　　"With technical support, banking service equipment is more intelligent and portable, and it is possible to take it out, so that customers can enjoy more convenient financial services." Wang Haiquan said.

　　In order to let people in mountainous areas enjoy more adequate financial services, Fujian has explored the "backpack bank" business model. "Bank account managers carry backpacks, install equipment into the village, and promote financial services door to door." The person in charge of the Fuzhou Central Branch of the People’s Bank of China said that the "backpack bank" sent loans to the countryside and sent funds "timely rain" to the people.

　　How to collaborate online and offline?

　　The advantages of online business and offline outlets are complementary and integrated, and the efficiency of financial services is continuously improved.

　　For banks, it is an important problem to deal with the relationship between online and offline business. Ceng Gang believes that the rapid development of online business will not replace the important role of bank outlets. In the future, online business and offline outlets will complement each other and develop together to continuously improve the efficiency of financial services.

　　Online and offline collaborative development can make business handling more convenient.

　　In the past, the counting and identification of foreign currency cash had to be done under the witness of customers, and the staff of outlets had to complete a series of processes step by step, such as customer identity verification, cash withdrawal amount verification, money withdrawal, foreign management information registration and cash counting, which often took more than half an hour. At present, Bank of China has launched the foreign currency smart access service, and customers can make an appointment to withdraw foreign currency cash through online channels such as mobile banking and micro-banking. The back-office vault will immediately receive the order information, allocate foreign currency cash according to customers’ needs, seal it in a standard envelope, and deliver it to the appointment outlets. After customers arrive at the store offline, they can go directly to the smart counter for self-service without queuing to get the number, which takes only one or two minutes.

　　Online and offline collaborative development can provide customers with more choices.

　　"When issuing income certificates, asset certificates and other materials, customers can flexibly choose the handling method according to their own needs. If the customer does not have time to go to the bank outlet, he can apply for a certificate online and send it to the customer; If customers need to use it urgently or need an on-site seal, they can also go to the outlets to handle it quickly and collect it on the spot. " Sun anqin said.

　　"The rapid development of online business has greatly promoted the transformation and upgrading of bank outlets." Wang Haiquan said that on the one hand, online business can effectively divert the standardized business of previous outlets, so that the manpower of outlets can be invested in more professional and personalized services; On the other hand, the development of online business is conducive to enhancing user experience, increasing customer stickiness, enhancing brand influence and better promoting the development of offline business.

　　The insiders believe that no matter which channel customers access from online or offline, customers should feel the undifferentiated and integrated service experience. Through the integration and development of online and offline services, increasing data sharing, and combining big data, artificial intelligence and other technical means, it is conducive to building a more complete and three-dimensional customer portrait and achieving accurate and caring services.

1905 movie network news Produced by Cao Baoping, directed by Jacky Gan, starring Dapeng, Oho Ou and Li Meng, and starring Cao Bingkun, Cao Weiyu, Sha Baoliang, Ulantoya Duo, Shane, Terry and Li Shengye, the film was fully released on August 30th. Recently, the film "Desperate" also exposed the director’s special edition of "Folding Mountain City". In the special edition, not only does Jacky Gan, a director born and raised in Chongqing, tell about the "rivers and lakes of Chongqing" in his eyes, but the audience can also see how various Chongqing elements collide with the director.

In the first weekend after the film "Desperate" was officially released, it still showed great potential in the case of less than 20% of the film. Faced with the relatively tight film arrangement space, people in the industry who love "Desperate" have also called for more film arrangement, and Frant Gwo, the director of the film, also voiced support: "This is an underestimated film, and I hope more people can enter the theater to support it."

In the special edition, the winding roads and buildings with uneven heights in the mountain city provide an excellent place for the characters in the film to trade, hide and escape. At the same time, the "lost" atmosphere created by scenic spots such as light rail and river-crossing cableway, which are full of mountain city characteristics, is more conducive to the presentation of the film’s screen temperament. The looming road and light, just like the hidden desire in the hearts of the characters, also have the emotion and goodwill that have not been extinguished, and the sense of loss in the city has realized the maximum interaction with the characters. As director Jacky Gan explained: "The complexity of Chongqing’s spatial structure will bring a sense of loss. The film also tells the story of some characters who step into an environment and lose themselves, and then find their way again. "

　

In the special edition, through the use of Chongqing as a characteristic element under the lens, the director’s good potential as a young director is highlighted. Dapeng commented on the director: "The director has a kind of modesty and gentleness when creating, and will actively listen to the opinions of the actors." Li Meng also recalled: "He will let the actors enter his world in his own unique way." On the set, Jacky Gan will repeatedly instruct the young actor Ulantoya Duo’s acting skills, and often exchange experiences with experienced actors. In addition to accepting suggestions with humility and tolerance, the other side of director Jacky Gan is persistent in pursuing detail and perfection, as Cao Bingkun explained: "If the final effect of the film is one to twenty, then he doesn’ t want any two or nineteen, just one and twenty." Multi-faceted director, what remains unchanged is the diligent pursuit of loving his career, which makes producer Cao Baoping see his potential: "Jacky Gan firmly knows his own direction and works hard for it. Under the shortage of domestic commercial film directors, as long as he works hard, I believe his road will be wide."

　 　 　 　

The film "Desperate" was officially released on August 30th. Not only did the professional film platform rank first in the film released in the same period, but also the box office performance exceeded the forecast of the ticketing platform for two consecutive days. Faced with the shortage of film arrangement, people in the industry who love "Desperate" have also called for more film arrangement to support new films. Frant Gwo, the director of The Wandering Earth, voiced his support: "Throughout the whole article, the director is steady in scene control and scheduling and skilled in techniques. This is an underestimated movie, and I hope more people can support it. " Director Rao Xiaozhi also appealed to more audiences to enter the cinema to support the new director’s new work: "The director has a high ability to control the film, and has his own style among many films set in Chongqing. The excellent performance of the actors also makes the film more distinctive, so the sincere film deserves more encouragement and appreciation. I look forward to more audiences entering the theater. "

In this fast-paced world, women are constantly pursuing beauty and fashion. The woman in a black V-neck sweater gently pulled her hair back to show her elegance and confidence.

She is wearing a pair of gorgeous earrings, which adds dignity and temperament to her beauty. Her brow reveals a firm belief, as if to tell the world that she has an indomitable spirit.

This picture vividly shows a modern woman’s independence and autonomy, and makes people feel her inner strength and strength.

1. A bear and a dog went to buy sesame cakes. The dog said, Boss, I want fried eggs. The bear said: I want it, too; The dog said: I want to fry it hard, and the bear said: Me too; The dog added: Please fry both sides for me. The bear was about to speak when the boss interjected: I know, you want it, too. Look at your bear, you still have to fry it!

2. A veteran retired from the army, drunk with several comrades, and passed out. After being carried home by his comrades-in-arms, his wife tried to sober him up in various ways, to no avail, so she called the veteran’s comrades-in-arms.

The comrade-in-arms said, "Try blowing short whistles continuously."

The wife didn’t understand, but did it. Unexpectedly, before the whistle fell, the veteran jumped out of bed, dressed and put on his hat at lightning speed, and his mouth was not idle, shouting, "Where is my belt?" Who took it away from me? " After that, I flew downstairs.

In the cold weather, the veteran stood straight downstairs, mumbling, "Isn’t it an emergency gathering? Why hasn’t anyone come down yet?"

3. Once I stayed up all night in the Internet cafe with my friends, and I felt so hungry after playing until midnight, so I came out of the Internet cafe and found a midnight snack stall in a deep alley to get something to eat.

There were no people on the roadside in the middle of the night, only an uncle who kept the stall was drumming up to collect the stall.

我俩坐下来，朋友还在埋怨我玩游戏坑他：“你要不死，我也不会死。”我回了句：“死都死了，说那么多咱俩能活过来？”

大叔走过来准备问我们吃啥，听到我俩的对话愣了下，突然大叫一声，转身就跑…

要不是亲眼所见，我真的很难想象一个大胖子能跑这么快！

4. 往公交车站赶，看见要坐的那路车急驰而过，奋力追赶，快要赶到时边拍车边喊等一下，被司机无视车开了，郁闷无比。只好坐下一辆，开到半路，发现前面车抛锚了，顿时开心，喵喵的，谁叫你不等我……

5. 我：“兄弟，9月有个演出，看能不能帮忙搞两张票？价钱不是问题。”

哥们：“行，有哥在，不是吹牛。就这国内演出没有哥搞不定的，再说就咱哥俩这交情，包在哥身上，啥演出？说！”

我：“9月3号天安门阅兵，帮我在城楼上随便弄两张站票就行。”

6. 人身安全第一

我吧，比较懒，舍友呢，也比较懒。但是我们在同一个宿舍也蛮搭配的，我的懒主要体现在晚上下班泡脚后不倒洗脚水，他的懒体现在从我盆里直接倒一部分水然后洗脸。我们相安无事有半年多了，这是我近一周才发现的问题。。。不多说了，我不会告诉你们我在潍坊哪个工地的，人身安全第一！

7. Frustrated in love, I chose to jump off a building to bid farewell to this world. Fortunately, firefighters rushed to avoid the accident in time, and the aunt on the sidelines comforted me and said, "Don’t be too discouraged. How can you succeed in life at once?" If you can’t do it twice at a time, twice and three times, you can always die! "

8. My cousin is still single at the age of 30. Once I asked him, "Cousin, there are so many beautiful women in your unit, why haven’t you found a girlfriend yet?"

My cousin said coldly, "Rabbits don’t eat grass beside their nests!"

I said, "at this age, you still’ rabbits don’t eat grass beside their nests’!"

Cousin said gloomily, "Beauty is the rabbit, and I am the grass!" "

9. Teacher: Your son’s composition is the worst in the class! Grammatical confusion, logical confusion and improper use of words

Parent: Teacher, if you want to criticize me, just say so. There is no need to beat around the bush.

Teacher: What do you mean?

Parents: I wrote this composition for my son! !

10. I just met a wretched man on the subway. He looks like a human being and wears glasses. He is quite gentle.

As soon as I entered the subway, I made a move on a sister paper next to me. The sister paper next to me directly said: "If you make a move again, the labor and capital will call the police directly, even if you engage in foreigners, you will also start work on locals."

I was shocked at once. I can only say that these two people are very awesome.

When it comes to sports, most people think of running and swimming for the first time. As the two most common sports, they are naturally widely known.

And running and swimming didn’t disappoint everyone. As the most common aerobic exercise, their benefits to the body are beyond doubt. It is indeed a very good choice to develop the habit of running or swimming regularly.

What benefits can you bring to your body by running or swimming regularly?

The benefits of running regularly.：

① It can prevent osteoporosis.

Strictly speaking, running belongs toResistance trainingResistance training can reduce the density between bones, reduce bone loss and prevent osteoporosis, especially for middle-aged and elderly people. Running regularly and making jogging or long-distance running plans according to their physical conditions have obvious effects.

② Reduce the risk of cardiovascular and cerebrovascular diseases.

In the process of running, almost all muscles will participate, which meansThe whole body’s blood circulation will be mobilizedOver the years, the speed of blood circulation in the body will accelerate, and the frequency of blood renewal will also accelerate, to a certain extent.It can clean blood and reduce the risk of plaque.The probability of cardiovascular and cerebrovascular diseases will also be reduced.

Benefits of regular swimming:

① Effectively enhance vital capacity.

When swimming, frequentHold your breath and switch,Can effectively enhance people’s breathing ability,Broaden the respiratory tract, enhance one’s vital capacity,The possibility of respiratory health, such as pneumonia, asthma and other disease symptoms can be reduced.

② The weight loss efficiency is remarkable.

Compared with other sports,You have to touch water all the time, which means that your body will be more efficient in radiating heat.The degree of fat consumption will also increase. Therefore, swimming has always been called "the most slimming exercise".

As the two most traditional sports, they can bring too many health gains, so I won’t go into details here. However, sports are not just running and swimming. Although some sports methods are little known, they have remarkable exercise effects, and proper attempts in daily life can also add a lot of surprises.

Little-known, but remarkable exercise effect of three sports, I recommend you to try.

[Singing]-Exercise your breathing muscles and improve your immunity.

Although singing is a common thing, it is little known that singing can exercise. In the process of singing, ourRespiratory and facial musclesWill be active frequently, and over time, the facial shape will become more natural and linear because of long-term muscle exercise.

On the other hand, according to research,Singing often, because brain excitement leads to hormone secretion,Can play a role in purifying blood, which is helpful toImprove the immunity of human body. Not only that,Singing can also keep us in a good mood all the timeIn an optimistic mood, the body’s self-healing ability will be stronger.

[levator ani]-Although it seems awkward, it is really effective.

For modern people, hemorrhoid is one of the most common diseases.

And wantPrevent hemorrhoids,Lifting the anus can have a good effect, throughExercise anus and sphincter to enhance muscle strength.The risk of hemorrhoids will also be reduced a lot.

Not only that, the advantage of lifting anus is that it can be done anytime and anywhere. It is simple and healthy to lift anus properly after work or before going to sleep every day.

[Golf]-Not only elegant, but also healthy

In most people’s minds, golf should be "Elegant, noble"The pronoun.

It is true that golf used to be a sport among nobles, but now, with the popularity of golf halls,More and more ordinary people can get in touch with this sport.

butThe exercise of golfPurpose,Mainly in the psoas and arm muscles., andSensitive points of various jointsTry golf properly and be able toEffectively exercise the bones and muscles of these joints,JiuqianAnti-arthritis, lumbar disc herniationAnd other diseases can have a very good effect.

Not only that, I often play golf, but I can alsoExercise patience, improve mind and temperament, in terms of increasing personality charm, can also play a good help.

Of course, in the final analysis, the way of exercise is still secondary, just to popularize some sports knowledge and give you more choices. What is really important is still the persistence and determination of exercise. Whether it is running or swimming, or lifting anus or singing, as long as you can persist, it will be effective in the end. Don’t give up halfway.

References:

[1] Xu Mingzhe. On the relationship between singing and sports [J]. New campus: last issue, 2015(1):2.

[2] Li Jiquan. On the impact of golf on mental health [J]. Science and Education Cultural Exchange, 2009.

[3] Han Ping, Wang Mei. Small movements, great health-easy hemorrhoid prevention-recommend a Chinese medicine to strengthen the body and invigorate the anus exercise [C]// Chinese Medicine Association. Chinese Medicine Association, 2011.

The hot sun is like fire, and the desert is like the sea. An archaeologist specializing in the ancient city of Loulan on Mount Everest crossed the desert alone, aiming to find the legendary ancient city of Loulan. The sand at the foot of Mount Everest is hot and boiling, and every step is like walking on a hot pot. There is little water left and food is only enough for two days. And what is even more desperate is that he found that his compass seems to have lost its function in this desert.

As night falls, Mount Everest hides from the scorching sun under the sand dunes, while taking advantage of the coolness at night to move on. Suddenly he saw an old building, which was mostly buried in the desert, but he could still see its exquisite decoration and craftsmanship. Everest was ecstatic, and he finally found it.

Everest walked into the building carefully. Although he was prepared psychologically, he was surprised by what he saw. The walls are covered with vivid murals, describing the life, wars and sacrifices of the ancient Loulan people. One of the most striking is a huge mural, in which a man is wearing gorgeous clothes and holding a strange weapon. His eyes reveal great strength and wisdom.

Mount Everest was deeply attracted by this mural, and he decided to find out the identity of this mysterious figure.