曾銘宗:研擬銀行分行 跨業賣咖啡 - 金融業討論
By John
at 2015-06-11T13:22
at 2015-06-11T13:22
Table of Contents
曾銘宗:研擬銀行分行 跨業賣咖啡
http://www.chinatimes.com/newspapers/20150611000048-260202
曾銘宗:研擬銀行分行 跨業賣咖啡
網路興起,銀行營業大廳人潮銳減。圖/本報資料照片
到銀行分行存提款、換匯時,可不可以順便點一杯咖啡,或著規劃一下國外行程?金管會
主委曾銘宗10日首度透露,金管會正在參考國外作法,研議讓銀行分行可以「跨業」營運
。
據統計,兆豐銀行、第一銀行、華南銀行目前非臨櫃業務占比已分別達79%、73%、70%
;兆豐金控董事長蔡友才更開玩笑說,由於臨櫃到營業廳來的只有21%,所以希望有天金
管會可開放實體銀行賣早餐、當宅配、開旅行社。
蔡友才更開玩笑指出,現在其實害怕「(國內銀行)合併」,因為國內這麼多分行,不知
要怎麼處理。
隨著科技化、網路化、智慧型載具普及,客戶到實體分行的次數越來越少,先前曾銘宗也
以英美為例,如英國的分行每年以2%的速度消失,美國也有同樣的趨勢,民眾運用網路
銀行、手機等就可滿足日常金融需求,因此提醒銀行要發展Bank3.0、強化科技投資及社
群經營,未來全台3,000多家分行也可能需要轉型。
蔡友才昨天除了丟出分行也應可賣早餐、賣咖啡、兼營宅配,還指如兆豐銀是外匯業務第
一的銀行,未來甚至可能兼營旅行社業務,跨業合作,讓分行功能更多樣化。
曾銘宗對此則表示,的確有在思考此問題,研議開放銀行分行可跨業經營,但跨業可到什
麼程度,仍在評估,主要由於國外目前也還不多見,因此還在構思。
依現行法規,銀行營業處所規範相當嚴格,櫃台高度及相關安全性等都有一定要求,分行
內不能有其他非金融營業項目,但曾銘宗也直言,確實在考慮是否要開放銀行在分行內賣
咖啡或其他非金融業務。
例如現行中華郵政的櫃台即有銷售相關面膜、食品、團購商品等,未來國內銀行3,000多
個分行是否也會像便利店一樣,也賣咖啡、賣餐點、協助賣團購商品等,曾銘宗表示,目
前都在研議可兼營的範圍。
新聞來源:工商時報
------------------------------------------------------------------------------
-------
備註:幹拎糧!
是嫌櫃台小姐不夠忙嗎?
賣早餐要不要考個丙級?
行員要不要去學拉花?
既然有咖啡,要不要順便加蛋糕?
以後改為金融餐飲業算了!
--
http://www.chinatimes.com/newspapers/20150611000048-260202
曾銘宗:研擬銀行分行 跨業賣咖啡
網路興起,銀行營業大廳人潮銳減。圖/本報資料照片
到銀行分行存提款、換匯時,可不可以順便點一杯咖啡,或著規劃一下國外行程?金管會
主委曾銘宗10日首度透露,金管會正在參考國外作法,研議讓銀行分行可以「跨業」營運
。
據統計,兆豐銀行、第一銀行、華南銀行目前非臨櫃業務占比已分別達79%、73%、70%
;兆豐金控董事長蔡友才更開玩笑說,由於臨櫃到營業廳來的只有21%,所以希望有天金
管會可開放實體銀行賣早餐、當宅配、開旅行社。
蔡友才更開玩笑指出,現在其實害怕「(國內銀行)合併」,因為國內這麼多分行,不知
要怎麼處理。
隨著科技化、網路化、智慧型載具普及,客戶到實體分行的次數越來越少,先前曾銘宗也
以英美為例,如英國的分行每年以2%的速度消失,美國也有同樣的趨勢,民眾運用網路
銀行、手機等就可滿足日常金融需求,因此提醒銀行要發展Bank3.0、強化科技投資及社
群經營,未來全台3,000多家分行也可能需要轉型。
蔡友才昨天除了丟出分行也應可賣早餐、賣咖啡、兼營宅配,還指如兆豐銀是外匯業務第
一的銀行,未來甚至可能兼營旅行社業務,跨業合作,讓分行功能更多樣化。
曾銘宗對此則表示,的確有在思考此問題,研議開放銀行分行可跨業經營,但跨業可到什
麼程度,仍在評估,主要由於國外目前也還不多見,因此還在構思。
依現行法規,銀行營業處所規範相當嚴格,櫃台高度及相關安全性等都有一定要求,分行
內不能有其他非金融營業項目,但曾銘宗也直言,確實在考慮是否要開放銀行在分行內賣
咖啡或其他非金融業務。
例如現行中華郵政的櫃台即有銷售相關面膜、食品、團購商品等,未來國內銀行3,000多
個分行是否也會像便利店一樣,也賣咖啡、賣餐點、協助賣團購商品等,曾銘宗表示,目
前都在研議可兼營的範圍。
新聞來源:工商時報
------------------------------------------------------------------------------
-------
備註:幹拎糧!
是嫌櫃台小姐不夠忙嗎?
賣早餐要不要考個丙級?
行員要不要去學拉花?
既然有咖啡,要不要順便加蛋糕?
以後改為金融餐飲業算了!
--
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