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.

　　CCTV News:On the 10th, china food and drug administration issued the Measures for Food Safety Supervision and Management of Online Catering Services (hereinafter referred to as the Measures). The "Measures" stipulate that catering service providers should have physical stores and obtain food business licenses according to law, and must not operate beyond the scope.

　　There are 46 Measures, which will be implemented on January 1, 2018.

　　According to the Measures,The catering service provider shall have the entity to operate the store and obtain the food business license according to law, and engage in business activities according to the main format and business items specified in the food business license, and shall not operate beyond the scope.

　　The catering service provider shall publicize the names of dishes and main raw materials online, and the information publicized shall be true.

　　The measures also stipulate that catering service providers should process food in their own processing operation areas.The order shall not be entrusted to other food operators for processing and production.The catering food sold online should be consistent with the quality and safety of catering food sold in physical stores.

　　According to the Measures,The third-party platform provider of online catering service shall examine the food business license of the online catering service provider,Register the name, address, legal representative or person in charge and contact information of the catering service provider, and ensure the authenticity of the license information such as the business premises specified in the food business license of the catering service provider.

　　Third-party platform for online catering serviceThe provider shall set up a special food safety management organization and be equipped with full-time food safety management personnel.Training and assessment of food safety management personnel every year.

　　The third-party platform provider of online catering service and the catering service provider of self-built website should be on the main page of catering service business activities,Publicize the food business license of the catering service provider.

　　The third-party platform provider of online catering service shallSpot check and monitor the business behavior of catering service providers in the network.

　　Food delivery process: containers are cleaned and disinfected regularly to avoid direct contact with food by food delivery personnel.

　　The "Measures" put forward clear requirements for food delivery personnel and food delivery process.

　　The "Measures" stipulate that:Food delivery personnel should maintain personal hygiene, use safe and harmless delivery containers, keep the containers clean, and carry out regular cleaning and disinfection;

　　 Internet catering service providers shall use non-toxic and clean food containers, tableware and packaging materials, andPackage catering food to avoid direct contact with food by food delivery personnel.Ensure that the food is not contaminated during the delivery process;

　　Where food with special requirements such as preservation, heat preservation, refrigeration or freezing is distributed, preservation and distribution measures that can ensure food safety shall be taken. Encourage third-party platform providers of online catering services to provide degradable food containers, tableware and packaging materials.

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. "

Special feature of 1905 film network　This week (June 19-June 25), the movie channel will present a number of new films premiered at home and abroad, whether it is national style or foreign blockbusters. If you miss the cinema schedule, come here and refresh your film list!

Key Tip: The movie "Team America" premiered at 13:11 this Saturday afternoon, and we will see you there!

This is a very realistic children’s film about ethnic minorities. Director Jianghan often sees children playing football in the streets and lanes when he is collecting wind in the northwest. Their smiles and longings written on their faces make people moved. So the director decided to make a film about them, football and dreams, and it was born.

From the perspective of 11-year-old boy Oman, the whole film tells a story of bravely chasing dreams. Striving for the ideal is human instinct, and it is this instinct that makes human beings create miracles.

Wonderful film review:The child’s dream is exciting, and the silhouette of father and son is touching. There is love in your heart and light in your eyes. Bless all your childhood.　— — Douban film review Xiaoming

In the film, he played the tender and tough guy — — Stone. He is honest and skillful, but he has no understanding of love. He has been repaired by a strong girl many times and suffered from "torture". After the thirty-six tricks of love were staged in turn, all kinds of routines made the stone hard to parry, and this informal love The Secret Behind gradually surfaced. What should their stories do … …

Wonderful film review:The director did not stick to the single pattern of love movies, but broke through the conventional setting and integrated into the multi-level reflection on social reality.　— — 1905 movie network

"Genius Girl", starring "Team America" Chris Evans and the talented girl, has a very delicate performance, and the interaction between the little girl and the team before is also very loving.

My uncle Franco hopes that Mary, a talented girl who has been different since childhood, can live a normal life, while Mary’s mother wants her to go another way, so they have to go to court for custody. This film is led by gifted children and leads us to rethink family and affection.

Wonderful film review:"Team America" Evans abandoned the label of "hero" for the ordinary dream of "genius girl" and turned into a warm-hearted uncle with stubble all over his face, and even tried to fight for a free, innocent, simple and happy childhood life for the little girl at the expense of the court.　— — 1905 movie network

She has a heroic spirit, full of strength, rebellious and uncompromising strength. She is a strong woman with ideals, unyielding and tough. She is the surprise captain Carol, who is known as the strongest heroine of the "Reunion". Radiating all over, she has great strength and super-fast speed, and is an indispensable main force in the team. And what is her fascinating growth path? The film will gradually uncover the truth of the past for us.

Wonderful film review:I like Captain Surprise, and I feel that Larson’s version of Captain Surprise is by far the most powerful female super English. This is the "surprise team" in my mind.　— — Douban Film Review Jigglypuff Peach

This is a film that is particularly in line with the overall style of the work. Billy, a former policeman and now a private detective, in this broken city full of all kinds of violations, injuries and injustices, the only thing he wants to do is to atone for his past mistakes and seek compensation and comfort. Billy took revenge on the most powerful people in this city with his strong ability and tenacity of never giving up until he reached his goal, forcing them to confront each other head-on and walk into extreme despair.

Wonderful film review:Each of allen hughes’s films puts the characters in the first place, and explores the possible struggles and dynamic relationships when he is in an impossible desperate situation.　— — 1905 movie network

　　What kind of power can love produce? The online documentary My Home is a Museum gives the answer from the collector’s point of view. The work tells 12 touching stories about love. The audience can listen to the concert of Shi Lei, a collector of musical instruments, and capture the wonderful sound of "unheard of"; Open the storage cabinet with Wu erping, a collector of chemical elements, to spy on the magnificent moment of chemical reaction; Follow the meteorite hunter Zhang Bo over the mountains and touch the fragments from the vast space … The film does not introduce the knowledge of the collection too much, but tells the story of collectors exploring, protecting and displaying the collection. From traditional crafts to scientific and technological elements, from ancient costumes to national costumes, although the types of collections vary widely, collectors have a clear common ground-full of passion for what they love and a sense of responsibility for cultural communication and inheritance. It is such humanistic feelings that deeply infected the audience. A love is a perspective of observing the world, which leads us to discover a kaleidoscope of life.

　　(Zhang Jiaying)

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