<p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="mso-bidi-font-size: 12.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">中央社【蔡怡杼】</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">儘管銀行開到你家巷口，但你還記得上次到銀行是什麼時候的事情了嗎？近年銀行反其道而行，不分公、民營，本土或外商不約而同瘦身砍據點，尤其，撤出一級戰區台北市。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">根據金管會統計，截至</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">105</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">年底，銀行分行家數為</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">3430</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">家，相對</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">103</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">年底高峰時的</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">3460</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">家縮減了</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">30</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">家，等於一年有</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">15</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">家銀行悄悄的從你家附近的巷口消失。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">銀行這波砍分行的風潮方興未艾，今年來包含花旗銀行已砍了</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">2</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">處、匯豐銀行縮減</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">2</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">處據點，永豐銀行也砍了</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">1</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">家簡易分行。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">值得注意的是，過去銀行紛紛搶進各大都會區黃金商圈開立新分行，尤其是台北市，然而，這</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">5</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">家消失的銀行，有</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">3</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">處出現在台北市、</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">1</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">家則在新北市。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">金融監督管理委員會表示，數位化時代下，民眾對實體分行依賴降低，縮減分行有助銀行營運表現，尤其，台北租金較高、銀行家數較多，都影響著銀行裁撤分行。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">就各家銀行官網公布數字統計，台北市擁有超過</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">500</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">家分行是全國銀行家數最多的縣市，且主要集中在台北火車站周邊、南京東路以及信義區。其次才是新北市的約</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">300</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">家，以及台中、高雄的各約</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">200</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">家。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">且分行多不代表高獲利。截至</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">105</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">年底，合作金庫銀行國內有</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">272</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">處據點，為我國營業據點最多的銀行，去年全年稅後盈餘約</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">106</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">億元，表現不如國內僅</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">150</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">處分行的中國信託的</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">166</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">億元。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">銀行高層表示，「很多時候，銀行營業廳內的行員比客戶還多」。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">他說，網路銀行已經可以完成開戶、辦貸款、信託理財多項業務，分行價值大不如前，現在幾乎看不到過去民眾抽號碼牌，等叫號的情況。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">面對分行價值縮減，銀行除了大砍分行外，也投入分行的升級，如渣打銀行砸上億元在台打造</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">2</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">座數位旗艦分行；花旗銀行目前</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">7</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">成分行已轉型為智慧分行；台北富邦銀行目前已完成</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">65</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">家分行改裝，目標今年底數位分行涵蓋率將超過</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">7</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">成。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">同時，銀行也推動分行人員的轉型計畫，如渣打導入全球認證化職能訓練支持職務內容調整及轉職員工，從</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">2015</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">年起超過</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">332</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">場次培訓及轉職輔導，超過</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">2000</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">人次參與銀行數位化服務課程，截至目前共有</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: 微軟正黑體;" lang="EN-US">983</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">位員工順利轉任。</span></p>