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银行网点转型进行时

2017-09-20 08:47:25   中国经济网

智能化转型成潮流

记者走访发现,随着互联网科技与智能自助设备的运用,农业银行、工商银行、招商银行、民生银行以及许多城商行和农商银行,都已经开始往轻量化运营与智能化服务转型。

以农业银行为例,该行自2013年就推出“超级柜台”服务模式。基于“超级柜台”,农行广东分行把“机器解放人”作为全局性策略,在同业中率先推动网点智能化、轻型化。

在农行网点的大厅里,都有一台“庞然大物”矗立在显眼位置,那就是超级柜台。农行超级柜台的最大特色是免除了业务申请书和其他纸质凭证的填写环节,仅通过现场引导、客户发起交易、后台专业处理的简单步骤,即可完成开卡、签约、转账、理财、基金、外汇、信用卡、查询、特殊业务等9大模块近110项产品的自助服务,覆盖个人非现金业务种类的80%。

除此之外,客户还可以在农业银行手机客户端“申请无卡取款”,就可以在农行任意一台自助取款机上实现无卡取款。

据悉,目前农行广东分行在辖区内共投放“超级柜台”3084台,同类业务分流率超过80%,有效释放了网点柜台压力。

除了在操作柜台上加入科技元素、解缓柜面压力外,记者了解到,一些银行还引用智能机器人以“人智+机智”相结合的方式重塑银行网点的形象。如民生银行北京分行营业部2016年9月推出的智能业务机器人——ONE。该智能业务机器人不仅能在大堂迎宾、分流引导、业务咨询,还提供开户、签约等非现金业务办理能力,同时能在业务咨询和业务处理过程中加入营销话术,进行产品营销。

银行网点转型,每一家银行都不能落下。近日,河南中牟农商银行与郑州万达科技签订协议,引进万达科技松果系列机器人担任“银行大厅经理”角色。

类似“松果”的机器人正在走向我国各地,记者了解到,华夏银行北京分行、建设银行沈阳分行、吉林九台农商银行、包头农商银行、河南兰考农商银行、陕西子洲农商银行等等都引进了万达科技公司旗下的智能机器人。

事实上,从2016年上市银行年报来看,多家银行尤其是大型商业银行轻型化、智能化转型加速,其功能已从传统的“结算交易”转为“智能服务”。其中,中国工商银行明确表示,2017年将智能服务覆盖境内的全部网点。

在今年半年报中,多家商业银行也展现了在金融科技方面的布局和野心。

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