Who Needs Bank Branches?

WILLIAM BALDWIN

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Who Needs Bank Branches?

机译：谁需要银行分行？

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The HSBC branch on Manhattan's 14th Street was an imposing structure back in the day when a bank's physical size said something about its balance sheet. You could play volleyball in the cavernous lobby. Seventeen teller windows, most of them deserted, are still part of the layout. Missing from the picture: a crowd of customers. The people who used to line up in front of tellers are now doing their banking electronically. Unfortunately for the likes of HSBC, JPMorgan Chase and Citigroup, prosperous clients are discovering that they do not have to do their Internet banking with banks. They can bank at Charles Schwab or Fidelity instead.

机译：早在当时，一家银行的实际规模对资产负债表有所影响，位于曼哈顿第14街的汇丰银行分行就是一个气势宏伟的结构。您可以在巨大的大厅打排球。十七个出纳窗口仍然是布局的一部分，其中大部分是废弃的。图片中缺少：大量的客户。过去在出纳员面前排队的人现在都在电子方式进行银行业务。不幸的是，对于汇丰银行，摩根大通银行和花旗银行这样的公司来说，繁荣的客户发现他们不必与银行进行互联网银行业务。他们可以向Charles Schwab或Fidelity汇款。

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来源
《Forbes》 |2011年第3期|p.48-49|共2页
作者
WILLIAM BALDWIN;
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收录信息美国《科学引文索引》(SCI);
原文格式 PDF
正文语种 eng
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Who Needs Bank Branches?

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