Why are banks closed at night?

I think the reason why banks are not open at night is because the bank staff has to sort out and reconcile the accounts of the day through the evening to ensure that they can welcome new business the next day.

Although the bank is open until 5 p.m., after the bank closes at 5 p.m., the staff still needs to check the day's accounts through a lot of time to see if there are any omissions. To solve the problems that arise on the day but are not solved, the settlement is usually settled late, and there is enough time to prepare for the next day's opening, so it is better that it will not be open at night.

1. Security issues.

Second, the cost of operating at night is higher and the income is less.

3. Banks in some cities have opened self-service banking, which is to put multiple ATMs and automatic deposit machines in one business hall with 24-hour service to meet the needs of customers at night.

Fourth, the wide use of online banking, ** banking, and electronic payment cards meets the needs of customers.

From the point of view:

In terms of service efficiency:

With the development of online banking and self-service terminals, many businesses can basically be handled. It not only saves labor costs, but also allows users to wait for business processing, which greatly improves the efficiency of business processing.

In terms of customer needs:

There won't be much demand for banks to open at night. Just imagine, how many people will take a large amount of cash to the bank at night to deposit and withdraw? It's not safe for the customers themselves......

From a bank's point of view:

From the bank's point of view, everything has a cost and there is a benefit, and everything should consider the cost input and benefit. The small demand for business at night and the increase in relative costs are not conducive to the long-term development of the bank.

1.In terms of service efficiency:Online banking and self-service terminals, under the continuous development, have gradually become popular and easy to use. Everything can be done online, and it can also meet the requirements of 24 hours a day.

2.From the perspective of customer demand, there is not much demand for banks to open at night. Many people complain that banks are closed at night, and ask how many people go to the bank after o'clock and wait for a few hours to do business.

3.From the bank's point of view, everything has costs and benefits, and everything should consider the cost input and benefits, not to mention the extended working hours, such a thing with such a wide range of influence.

The point is that the work pressure of the bank's grass-roots employees is inherently high, taking tellers as an example, after the bank branch is closed, there is actually a lot of accounting and reconciliation work.

Also, I often work in shifts on weekends.

The key point is that the various assessment indicators of grassroots bank employees are under great pressure, but the wages are low and the income is averaged.

Secondly, because China implements a working hour system of 8 hours a day and an average of 44 hours a week.

Provisions on the working hours of employees:

Article 3 The State implements a system of working hours in which workers work 8 hours a day and an average of 44 hours a week.

Article 4 Those who are engaged in labor under special conditions or have special circumstances that require an appropriate shortening of working hours shall be implemented in accordance with the relevant provisions of the state.

Article 5 Where it is necessary to implement an irregular working hours system due to the limitations of the nature of work and work duties, the average weekly working hours of workers shall not exceed 44 hours.

The bank is different from the general commodity business organization, it is a special service industry. Generally, people do not need to use money at night if they do not encounter special circumstances, so the significance and necessity of the bank opening at night is not much, and it is better to not be open at night for the safety of the bank.

The bank is different from the general commodity business organization, it is a special service industry. Generally, people do not need to use money at night if they do not encounter special circumstances, so the significance and necessity of the bank's night business is not large, and then for the safety of the bank, it is still not a good bank to open at night, which is different from the general commodity business institutions, he is a special service industry. Generally, people do not need to use money at night if they do not encounter special circumstances, so the significance and necessity of the bank's night business is not large, and then for the safety of the bank, it is still not a good bank to open at night, which is different from the general commodity business institutions, he is a special service industry.

Generally, people do not need to use money at night if they do not encounter special circumstances, so the significance and necessity of the bank's night business is not large, and then for the safety of the bank, it is still not a good bank to open at night, which is different from the general commodity business institutions, he is a special service industry. Generally, people do not need to use money at night if they do not encounter special circumstances, so the significance and necessity of the bank's night business is not large, and then for the safety of the bank, it is still not a good bank to open at night, which is different from the general commodity business institutions, he is a special service industry. Generally, people do not need to use money at night if they do not encounter special circumstances, so the significance and necessity of the bank opening at night is not much, and it is better to not be open at night for the safety of the bank.

A bank is also a business, and if it is a business, it will talk about profits.

To put it simply, you want to make money, and if you don't open at night, that's because you can't make money if you open at night.

There are costs associated with bank operations, such as equipment operation costs, site costs, and labor costs. The vast majority of people want to rest and sleep at night, and there are not many people who really need banking at night. Especially now that self-service business is developed, mobile banking ATMs, and various channels are numerous, it is even more unnecessary to open at night.

Not to mention the banks that are open at night and during the day, the number of members is rapidly decreasing, and there are many self-service ATMs when you go to the bank, and you can operate many businesses by yourself.

I haven't been to the bank for a year or two, because a lot of business is done by myself through mobile banking and online banking.

Banks are closed at nightBanks are currently open manually, and people must be aware that they cannot work 24 hours a day, so banks are not open at night

Banks are closed at nightBanks are currently open manually, and people must be aware that they cannot work 24 hours a day, so banks are not open at nightBanks are closed at nightBanks are currently open manually, and people must be aware that they cannot work 24 hours a day, so banks are not open at nightBanks are closed at nightBanks are currently open manually, and people must be aware that they cannot work 24 hours a day, so banks are not open at night

Banks are closed at nightBanks are currently open manually, and people must be aware that they cannot work 24 hours a day, so banks are not open at nightBanks are closed at nightBanks are currently open manually, and people must be aware that they cannot work 24 hours a day, so banks are not open at night

Why do banks open at night? Is that necessary? No.

Banks are not hospitals. Hospitals are required to be open at night. Because the patient really doesn't know when the disease will occur, if the illness occurs in the middle of the night and the hospital is closed, then there will be a delay**.

As for the banks, would anyone suddenly need a large sum of cash in the middle of the night? Even if you need cash, you can go directly to the ATM to withdraw it.

A service-oriented institution such as a bank can already be open during the day. No one is going to make a big deposit at night. There is no sudden need for money in the middle of the night.

Of course, there may be cases where the bank card is stolen, and in this case, you can report the loss of the bank card on your mobile phone! What the? You don't know how to report a lost bank card on your phone?

So what do you still do with bank cards?

First, there is a huge demand. I believe that many people feel the same way as me, during the day, I can't find time to go to the bank to do business, or sneak out to do it, and my leader has another time because of the long waiting time during the day and has other work to do, and there is no way to drive back to pick me up to pick up and wait for the number. If the bank is open at night, everyone has a lot of free time, even if there are many people doing business, you can go for a walk first, and then come back and wait for the number, and the degree of complaint about the bank will be reduced.

Second, reduce operating costs. Evening hours are increased, revenues increase, but for banks there is no increase in rental costs at all, and marginal costs go down. You said that when other businesses are still in full swing, especially supermarkets, I feel a pity as a shareholder of a bank in the face of the black bank shops.

Thirdly, effective sales have been increased. Banks have always said that they want to increase the proportion of intermediate business, increase the sales of insurance and some wealth management products. Even if it is a very good sales time in the evening, everyone is very relaxed, and there is a lot of free time to listen to the sales staff introduce the product, unlike going to work during the day, and I am in a hurry and don't have time to listen to you so much.

Of course, there are also technical problems such as settlement system and cash escort when opening a bank at night, but I still believe that opening a bank at night is beneficial to customers and shareholders, and it can also recruit more personnel to solve the employment pressure.

The reason why banks are not open at night is that there is a time limit for large-amount inter-bank payment remittances, foreign exchange trading and other businesses, and the payment and settlement system of the People's Bank of China opens two clearing sessions a day.

Other ** investment, wealth management and other businesses are all around the clock to get off work together, and it is not worth it to open for individual businesses.

Banks with abundant capital positions and flexible allocation, such as China Merchants Bank, also have a financial and wealth management night market, which can be handled through online banking without going to outlets.

Banks are not open at night because: 1. Safety issues, relatively speaking, night work safety work is stressful.

2. Cost problem, most people rarely handle business at night, and the income generated by the business is not proportional to the related expenditures, and now there are some banks that have night business, but generally only handle very little business, as a service signboard of the bank, the actual income is not high.

3. At present, many banks have increased their investment in self-service terminals (automatic deposit and withdrawal machines, etc.), you can apply for bank cards, in fact, I personally like to deal with machines very much, no need to queue up how good!

Banks are closed at night because fewer people go to the bank at night, most of them. They rest at night. A lot of people work during the day, so banks are also open during the day.

In addition, people are not attentive at night, and banks are more likely to have problems when doing business, and it is not safe at night. That's why banks are closed at night.

The counter in the bank hall implements an 8-hour working system, and the counter is closed at night to protect the legitimate rights of bank employees, to avoid bank employees from having reasonable rest time, and to review the daily operation of funds. The ATMs are open 24 hours a day to facilitate depositors to deposit, withdraw money or transfer money. He also said that the bank does not work at night, because my online banking bank has an ATM machine, and he automatically deposits and withdraws money at night, so many times everyone does not need to go at night, and well, the bank also needs plates, and generally touches an hour or two after work, and they are also considered to work overtime, so the time is quite long, so don't work overtime at night, otherwise it will be more troublesome, and people will not like to do the banking industry from the service efficiency, online banking.

The self-service terminal has gradually penetrated into the hearts of the people under the continuous development, and it is getting better and better, and it can be done online in the past, and it can also meet the requirements of 24 hours a day. From the customer's point of view. There is not much demand for banks to open at night.

From the bank's point of view, everything has costs and benefits, and everything should consider the cost input and benefits, not to mention the extension of working hours.

Such a thing with such a wide reach. The work pressure of the bank's grassroots staff is inherently high, so the bank is closed at night. Banks are closed at night because there is no demand.

This is a habit that has been formed since the establishment of banks. Most of the people work from the rising of the sun and rest at the setting of the sun. By the Industrial Revolution.

Period, it is 9 to 5 in the morning. Visits to the bank at night are rare, because most of the industries are closed at night, except for restaurants, shops, and restaurants. Therefore, it is not necessary for banks to provide services at night.

In modern times, there are ATMs. It was convenient even if you needed to withdraw money in the evening. After the popularization of the Internet, online banking, mobile banking.

The rapid development of banks has made it less necessary for banks to open at night.

Banks are not open at night, mainly because the cost-effectiveness (i.e., the ratio of business effect to cost) is not high. And there are safety risks.

The first is that banks are not cost-effective to open at night. When the bank is open at night, the main customers of the bank (depositors and lenders such as corporations, residents, etc.) do not increase much, which means that the effect is not good. But the cost (price) of the expenses increases as a result:

Such as labor costs, security costs, electricity costs, etc. Therefore, it is not cost-effective for banks to open at night, and it is better to not open at night.

Secondly, the night operation of the bank increases the difficulty of security work, and there are great potential safety hazards. In general, the probability of a criminal case occurring at night is much higher than during the day, and the difficulty of security work is much higher than during the day. What's more, banks are units that directly operate finance and deal directly with money, which is more likely to cause potential safety hazards.

For the safety of the bank itself and the safety of depositors, it is appropriate for the bank to be closed at night.

To sum up, the main reason why banks are not open at night is that they are not cost-effective and there are potential safety hazards.