营业网点是商业银行业务发展的主阵地,是深化银行与客户关系的主渠道,也是提升商业银行收入和利润的重要来源。网点数量多、覆盖广是邮储银行在同业竞争中的显著优势,但随着我国金融业的发展、客户需求的转变和提升,邮储银行网点布局不够合理、功能定位尚欠清晰、市场竞争能力偏弱等问题日益突出。尤其是在利率市场化和互联网金融冲击下,如何优化网点布局、明晰功能定位、提升网点竞争力,已成为当前邮储银行迫切需要解 The business network is the main front for the development of commercial banking business and the main channel for deepening the relationship between banks and customers. It is also an important source of boosting the revenue and profits of commercial banks. However, with the development of China’s financial industry and the transformation and improvement of customer needs, the layout of the outlets of postal savings banks is not reasonable enough, the functional positioning is still not clear and the market competition is still not clear Weak capacity and other issues have become increasingly prominent. Especially in the interest rate market and the impact of Internet finance, how to optimize the layout of outlets, clarify the functional orientation and enhance the competitiveness of outlets has become an urgent need for current postal savings banks