如今国内的银行网点众多,但普遍存在客户体验度差和经营成效低的问题,随着银行网点转型的逐步推进,网点的服务水平和综合能力得到了一定的提升。不过,随着金融改革的不断深入,银行业朝着业态多样、经营跨界的方向转变,互联网金融蓬勃发展,必将掀起“去银行化”浪潮。立足长远,银行的柜台业务量会逐步萎缩,客户去网点办理业务可能会局限在开卡、开通网银、挂失等特殊类业务,存取款、转账、购买理财等基础业务均可通过CRS、电子银行、手机银行等电子渠 Nowadays, there are many banks in China, but there are many problems such as poor customer experience and low operating efficiency. With the gradual promotion of bank branches’ transformation, the service level and comprehensive ability of outlets have been improved. However, with the continuous deepening of the financial reform, the banking industry will move toward a diversified business landscape and a shift in the direction of cross-border operation. The rapid development of Internet finance will surely bring about a wave of “de-banking”. Based on the long-term, the bank’s counter business will gradually decline, customers go to the network for business may be limited to opening cards, opening online banking, reporting and other special business loss, deposit and withdrawal, transfer, purchase finance and other basic business through CRS, Banks, mobile banking and other electronic channels