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2020gdp十强城市:如何识别和防范潜在风险?
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2020gdp十强城市:如何识别和防范潜在风险?

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张掖市(甘州区、高台县、民乐县、临泽县、肃南裕固族自治县、山丹县)








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茂名市(化州市、高州市、信宜市、茂南区、电白区)  海北藏族自治州(海晏县、门源回族自治县、刚察县、祁连县)








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三亚市(崖州区、吉阳区、海棠区、天涯区)








香港特别行政区








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云浮市(郁南县、罗定市、新兴县、云城区、云安区)
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哈尔滨市(延寿县、巴彦县、香坊区、松北区、阿城区、双城区、道外区、五常市、依兰县、木兰县、道里区、尚志市、平房区、通河县、呼兰区、南岗区、宾县、方正县)








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扬州市(仪征市、江都区、邗江区、广陵区、宝应县、高邮市)  株洲市(炎陵县、攸县、天元区、芦淞区、渌口区、荷塘区、醴陵市、石峰区、茶陵县)








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热点栏目自选股数据中心行情中心资金流向模拟交易客户端

  据媒体报道,2024年,国有六大行中,除了农业银行外,线下网点数量继续呈现收缩态势,合计减少近361家。与此同时,国家金融监管总局官网显示,去年国内共计2483家商业银行线下网点获准退出,依然保持了较大的力度。

  年报显示,截至去年底,工商银行机构总数16383个,虽然比上年末增加86个,但仔细来看,机构总数的增长主要得益于控股子公司及其分支机构的增长,网点的营业数量则在收缩,基层分支机构从2023年末的15227个减少120个至15107个。

  截至2024年末,建设银行营业机构共计14750个,较2023年末缩减145个,支行及支行以下网点分别缩减67个、22个。

  中国银行的机构总量虽然比上一年增加了22个,但内地机构数量却减少了20个,为10279个,其中,主要是基层分支机构减少了21个。

  邮储银行共有营业网点39224个,相较2023年末缩减140个,邮储银行称,对分布密集且发展潜力受限的网点实施迁撤,提高金融服务质效,共完成70个网点的优化调整。交通银行2024年境内网点数量为2818家,较2023年减少16家。

  农业银行是六大国有行中去年唯一基层营业机构增加的银行,截至2024年末,农业银行境内分支机构共计22877个,包括总行本部、总行营业部、4个总行专营机构、4个研修院、37个一级分行、410个二级分行、3314个一级支行、19064个基层营业机构以及42个其他机构。

  在股份行方面,招商银行、中信银行、兴业银行、光大银行、浙商银行的机构数量较2023年有少量增加,浦发银行、平安银行、民生银行则有所减少。其中,平安银行去年机构数量锐减了52个。

  过去,银行网点曾热衷于跑马圈地、大规模扩张,如今,关停“瘦身”成为常规操作。同时,各家银行都在持续强化网点服务能力,通过科技能力建设,提高网点的运行效率。

  比如,工商银行聚焦网点对公开户等高频痛难点业务,加速场景化流程重构。全面建设客户全旅程服务,推广网点预约服务体系,提升到店客户识别引导能力,促进网点由传统“等、候、迎”模式向主动服务转变。

  农业银行持续提升全流程智能化办贷效率,深入推进运营流程优化,网点客均等待时间压降了20%;中国银行提升网点智能化服务水平,全面推广厅堂智慧屏,丰富智能柜台地方特色政务服务品种。

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