Name: 零售銀行簡史 (A Brief History of Retail Banking)
Uploaded: 2021-01-14T08:21:25.000Z
Duration: 2 min 18 s

Let's talk about the Arizona Bank's new total banking package.

讓我們來談談亞利桑那州立銀行的全新綜合銀行業務套餐。

Do you like the name back when the typical bank looked like this banks didn't have locations from coast to coast or even across state line.

你喜歡這個名字嗎？以前，典型的銀行都是這個樣子的，銀行的網點不會從一個海岸延伸到另一個海岸，甚至不會跨越州界。

A person who lived in California, for instance, couldn't visit a branch of the same bank that a person in New York could.

例如，住在加利福尼亞州的人不能像住在紐約的人那樣訪問同一家銀行的分行。

But then in the 19 eighties laws that kept banks from crossing state lines began changing and a few aggressive banks started spreading across the US state by state by state.

但到了 20 世紀 80 年代，禁止銀行跨州經營的法律開始發生變化，一些積極進取的銀行開始在美國各州發展。

Soon after came, a wave of megabank deals that created the behemoths that dominate the industry.

不久之後，巨型銀行的交易浪潮席捲而來，造就了主導行業的龐然大物。

Nations Bank, for instance, bought Bank of America in 1998 creating the first coast to coast retail banking network.

例如，美國國民銀行於 1998 年收購了美國銀行，創建了第一個沿海零售銀行網絡。

Chase city and Wells Fargo also followed.

大通銀行和富國銀行也緊隨其後。

The idea was that Americans anywhere could now visit the bank the same way they could go to mcdonald's or Walmart.

當時的想法是，現在任何地方的美國人都可以像去麥當勞或沃爾瑪一樣去銀行。

But then the 2008 financial crisis hit, changing the economies of banking.

但是，2008 年金融危機爆發，改變了銀行業的經濟狀況。

The closing numbers on the markets today, the stock market is now down 21% regulators and shareholders put pressure on big banks to get leaner few were spared from JP Morgan to Citi to Morgan Stanley Bank of America in particular faced a huge financial hole for the first time.

從今天市場的收盤數據來看，股市目前下跌了 21%，監管機構和股東向大銀行施壓，要求它們精簡機構，但從摩根大通、花旗銀行到摩根士丹利，很少有銀行能夠倖免於難，尤其是美國銀行，首次面臨巨大的財務漏洞。

It had to quickly cut costs in its branch network.

它必須迅速削減分支網絡的成本。

When I want relationship advice, I speak to my mom when I need to talk about banking, I use the Bank of America mobile banking app, their answer tweaking its branch network and changing the format of the branches to prompt customers to become more loyal and buy more.

當我需要人際關係方面的建議時，我會跟我媽媽說；當我需要談論銀行業務時，我會使用美國銀行的手機銀行應用程序；他們的答案是調整分行網絡，改變分行的形式，促使客戶變得更加忠誠，購買更多的產品。

The bank also decided to leave hundreds of counties that were largely rural or small town areas and seek opportunities where more people live in big cities and to appeal to urbanites.

該銀行還決定離開數百個以農村或小城鎮為主的縣，到大城市人更多的地方尋找機會，吸引城市人。

They remodeled the branch to include technology and sleek offices to sell products to the more affluent.

他們對分行進行了改造，增加了技術設備和時尚的辦公室，以便向更富裕的人群銷售產品。

 So the bank that once aspired to be everywhere is still everywhere in big cities. 

是以，這家曾經渴望無處不在的銀行在大城市依然無處不在。