Not only are there fewer and fewer business windows open to banks, but even bank outlets are decreasing. According to the data of the Banking Insurance Supervision Branch, in 20 19 years, the number of outlets of the four major banks in industrial construction and agricultural development decreased by more than 800, and the number of employees decreased by16,000. In the first half of this year, more than 1 100 bank outlets closed down. At the same time, based on the rapid development of financial technology, the turnover rate of the entire banking industry has reached 89.77%, and the turnover rate of state-owned banks and joint-stock banks has exceeded 90%, and some even reached 95%. In other words, most of the business is done through online banking, mobile banking and self-service equipment. Now the business that needs to be handled through the counter window has been greatly reduced, and banks do not need to open so many windows and provide so much manpower to serve very few counter customers. More tellers are also transformed into financial managers to help customers manage their finances under the guidance of the retail business and intermediary business that banks have vigorously developed. Therefore, the future trend is that banks will open fewer windows, more bank outlets will be closed, and electronic payment and air banking will basically replace physical banks. In fact, this comes to the nature of banks on the spot. In fact, not all banks are state-owned. In private enterprises, the emphasis is on income, and one more teller will cost more. The work of tellers is tedious and mechanical, and fewer and fewer people are engaged in bank counter business, and they need higher wages to attract employees. This is not cost-effective for banks. Secondly, sometimes there are not many people in the bank who handle business and have free time. There are many people invited, but they are also idle. Tellers are particularly busy when they are busy and particularly idle when they are idle, which is normal. Based on this, many banks are equipped with self-service machines, and the use of such mechanized processing also reduces the cumbersome steps of tellers. Although the self-service machine is very convenient, in fact, many people don't know how to use it. They feel that there is no manual convenience and they are still willing to queue up. But when you are in a hurry, you will see so many people waiting in front, or you will choose to go to the self-service machine to handle business, which is convenient and fast. When you experience the convenience and speed of the self-service machine several times, you will choose to use the self-service machine, so that you can have two choices when you are busy, and the teller does not have to worry about being urged all the time. In this era of big data, many things can be improved by machines. In this case, there are not so many tellers at all, but one or two tellers are actually enough. Mainly to let the people adapt to the self-service machine, and the labor speed is too slow. Now many banks have their own apps, and many business users can operate them directly on their mobile phones, saving a lot of labor costs for banks. So many banks only open one or two business windows in the business hall.