Why do banks sometimes only open one window for business?

The large number of people queuing up at the bank and the time it takes to handle the business all indicate a problem: this bank has many customers and its business is thriving!

As a customer, it is often encountered that a stay at the bank is half a day, or even longer, and the bank is often questioned and complained by customers because of the long waiting time of customers. That's right, since there are so many people and business is so slow, why don't you open a few more windows?

There are many customers in line, and the more customers wait, the more anxious they become, and they always feel that the bank staff is slow to handle and waste customers' time.

First, the counter positions of bank outlets have been reasonably allocated and set up, some are comprehensive tellers at the front desk, some are tellers at the back-end interbank or personnel of the clearing center, as well as accounting supervisors, post-supervision and other positions, it seems that some people are idle, but in fact, in addition to the comprehensive tellers, others have no authority to handle the front desk business;

Second, the working hours from Monday to Friday belong to the peak period of customer business, and the accounting cashiers of most enterprises and institutions go to the bank to do business during this time period, which is a big business, slow and more; Third, the bank will have to pay for the business volume of the front desk teller when opening the window, and it is normal to spend thousands of yuan a month.

In order to divert customers and reduce waiting time, banks are also trying to take a series of measures.

The first is to make an online appointment and call the queue.

There is no need to make an online appointment in front, from No. 51 or No. 101 to use WeChat***, Internet official **, etc., to make an appointment to call the number, go a short time in advance, and do not have to sit in the bank hall to waste half a day, which greatly saves the valuable time of customers.

The second is to guide customers to use intelligent machines.

Customers withdrawing less than 3,000 yuan are guided to ATM self-service equipment ATMs, and smart teller machines are used for personal account opening, loss reporting and other businesses, which will not take long even if they queue up. The transfer business that can be handled by online banking or mobile banking should be taught to customers as much as possible to avoid waiting for customers' time.

Third, the lobby manager implements the door-to-door inquiry system.

What aspects and types of business customers handle will correctly guide customers to where to handle. If the personal business should go to the ATM, it will be guided, and the big business number will also be called the personal business number; The company's business is called a company business number in a timely manner. There is also a VIP business, even if you are guided to a large room or a VIP room.

With the advent of smart teller machines, some people feel that it will replace the traditional counter service, from the reality of the situation, it is difficult in a short period of time, and the phenomenon of bank business congestion has been alleviated, but it will not be qualitatively changed. Only when the banking business is busy, the bank staff will have food, will not be laid off, and customers can come to squeeze oil, indicating the recognition of the bank's services.

Because the salesmen of other windows are resting or doing other things, and because the number of customers is usually small at this time, it is not necessary to open all the windows.

The employee went to eat, the shift did not come, or the shift was not arranged, and only one window was opened to avoid going to the wrong window, resulting in unnecessary waiting.

Because at the end of the day, there will be a counter service staff to prepare for leaving work in advance, leaving only a window to handle the rest of the tasks.

Because the number of tellers in the bank is limited, sometimes it cannot be arranged, and there is only one window.

Why are so many people queuing up to do business, and banks are always only open for one or two windows?

Banks do this because they can better reduce costsThe number of people who handle business every day is not too large, so it is enough to open only one or two windows.

I believe that many people can find this phenomenon when handling business, the bank obviously has six or seven counters, but only one or two counters are opened at a time. The purpose is to better save labor costs, because labor costs are relatively high nowadays, and the competition faced by banks is also very large.

Banks are very strict about risk control. Banks are actually very strict about risk control, because banks rely on the financing of funds to get more profits, so they must carry out strict risk control on each fund in order to obtain profit margins. <>

The profitability of banks is very strong. We all know that the profitability of banks is very strong, this is because our country has some policy support for banks, and the interest paid by banks to each depositor is only about 2%, but the interest rate of bank lending can reach about 8%. <>

The labor cost is very high. We all know that the labor cost in the society is very high, and the reason why many enterprises cannot make profits in the short term is because they need to pay high labor costs. The same is true for the banking industry, which has to make more profits to feed more people, and the costs that banks need to pay are very high.

In the current society, in fact, we can find that the profitability of banks is still very strong, and banks are actually doing this to better control costs. In the process of development, there will inevitably be bigger competitors, so it is important to prepare in advance and get more cash reserves.

In the era of mobile Internet, the use of mobile banking is very convenient, and many people handle banking business through mobile banking. This greatly reduces the utilization of the bank's manual window, so the bank only keeps 1 or 2 windows.

Because the bank window is usually handled by some small business, the income is very limited, if you open a few more windows, the pay is much greater than the return, which will lead to losses, and the bank is also a department that pursues efficiency.

Because there are very few businesses that need to be handled manually, there is no need to open so many windows, and many businesses can be operated on mobile phones.

For institutions such as banks, banks themselves are also carrying out Internet reforms, which means that many businesses of banks themselves can be handled. When the user wants to handle the relevant business, the user only needs to ** the APP of the relevant bank, and at the same time, there is no need to go to the physical counter to operate.

First, this situation has become the development trend of banks.

With the continuous development of the Internet industry, and many banks no longer open the so-called service window, most of the bank's service window will only be opened in densely populated business areas. In addition, banks no longer have counters and service windows in ordinary residential areas. The main reason for this is that the bank's business has gradually moved online.

Second, banks are further promoting paperless operations and online operations.

The staff of the bank will recommend relevant apps to users, and users can handle relevant business without leaving home, and the bank can further save labor costs, which is a win-win situation. <>

Third, the service hunger window of banks will become less and less.

For the user himself, unless the business handled by the user itself is more complicated, including the chain or the user needs to handle the corporate business, there is no need to go to the bank's service window for relevant operations in the future. It is precisely for this reason that the demand for bank service windows is becoming less and less, and many service windows are not even available to customers for a whole day. Since users have become accustomed to operating on the first platform, banks no longer need to carry out corresponding business through these service windows, we can understand this phenomenon as the improvement measures of the bank's intelligence and convenience.

It is because of the popularization of informatization that the masses have gradually reduced their demand for the service window of which liquid stool service has become smaller, and they have become accustomed to operating online in Li Lu, so the service window opened by the bank has gradually become less buried.

Because it takes a long time to wait for a bright chain sail to be teased to the service window sill to handle business, and the cost of a smart ATM is lower than that of hiring a bank teller, and the error rate is relatively low, so it is necessary to follow the progress of society.

Because now many people don't deposit money in the bank, and now there are machines, and some businesses can be handled by machines without manual handling.

I believe that when many friends go to the bank to handle business, no matter how many people there are, the bank only opens one or two windows to handle business. In fact, it makes sense for banks to do this, and the main reason is that banks save labor costs in order to open up revenue and reduce expenditure. In addition, the bank itself has ATMs, which can also greatly alleviate the needs of customers who need to handle business.

Each bank counter serves a different purpose.

Although each business window in the bank looks similar, the business that each window is responsible for is still very different. Some windows are dedicated to corporate business, while others are dedicated to day-to-day cash transactions, while others are dedicated to complex businesses that take a long time to resolve. Therefore, each window has its own special responsibilities, so that even if you open an extra window, you can't handle any business casually.

That's why we often see only one or two windows open. <>

Banks are reluctant to recruit too many tellers.

There are fewer bank practitioners, resulting in a general shortage of people in the grassroots branches of the bank, even if the college students have just entered the bank after a short period of training, they have to send them to the counter, because they are newcomers, they are not proficient in the bank's business, and the time to handle business for customers is significantly longer. To address this issue, banks have actually shifted their customers to electronic channels. This is actually a wise decision, after all, the cost of maintaining a machine is much cheaper than the cost of raising an employee.

Many banking transactions can be done online.

In fact, most of the bank's personal banking operations can now be done online or on an app. It's just that some customers feel that online banking is unreliable, unsafe to operate online, and money is involved. Even now, there are some customers who use passbooks and do not use bank cards, so banks set up counter withdrawals.

In addition to these reasons, there are special circumstances that need to be handled by bank tellers. <>

1. Improve the efficiency of the bank and save the cost of the bank. Many of the manual service windows are actually some uncles and aunts who come to handle the business of paying family living expenses, such as broadband fees, water and electricity fees, etc. Add VIP windows and VIP services, so as to meet the financial or savings needs of large bank customers.

Second, unmanned business, there are indicators to complete. In order to improve their off-counter rate, many banks will consciously reduce manual windows and take the initiative to guide or cultivate the habits and behaviors of customers to handle business at unmanned counters.

Improving bank efficiency and saving bank costs, these businesses, to put it bluntly, are not only unimportant to the bank, but even waste the time of bank staff, and encounter some individual customers who do not understand, and they have to grind for a long time.

Improve bank efficiency and save bank costs.

In one of Fan Deng's courses, he actually talked about such a thing. It is said that one day the president of the bank convened a meeting of all employees to discuss how to improve the bank's monthly performance, which can greatly shorten the waiting time of those cash or wealth management customers while saving expenses.