当前,面对互联网金融的冲击和利率市场化的挑战,商业银行积极谋求转型变革以重塑竞争力。网点作为银行零售业务的基础经营单元,是银行策略、管理和经营能力的着力点,也成为商业银行转型发展的重要载体。目前,商业银行普遍形成了物理网点、网上银行、手机银行、电话银行、自助银行等联动互补的多种业务渠道。尽管新兴渠道已经成为银行重要的销售与服务渠道,但物理网点在银行业务经营中仍发挥着不可 Currently, in the face of the impact of Internet finance and the marketization of interest rates, commercial banks actively seek restructuring and transformation in order to reshape their competitiveness. As the basic business unit of bank retail business, outlets are the focal point of banking strategy, management and operation ability, and have also become an important carrier of the transformation and development of commercial banks. At present, commercial banks generally form a variety of business channels such as physical outlets, online banking, mobile banking, telephone banking and self-service banking. Although emerging channels have become an important sales and service channel for banks, physical outlets still play a role in banking operations