A further reason why Chinese banks are SHITE!
When I huffily closed down my account with China Merchants Bank a few years ago, the young girl attending to my ire insisted on knowing why, and amongst the dozen or so reasons I gave was that they didn't seem to have any branches anywhere near where I lived - indeed, none, so far as I was aware, anywhere inside Beijing's 2nd Ringroad. She loyally protested that they had at least 50 branches in Beijing. "Oh yeah? WHERE??" She was unable to help me on the specifics.
But I've been keeping more of an eye out since then, and perhaps it is possible that they do indeed have a branch on every other block in the city. It's just that most of them are inconspicuous to the point of INVISIBILITY.
Check out this picture.
Does anything about this really give the obvious impression of its being a bank? I don't think so. These days, most (but not all) bank signs do at least have the name in English as well. But the logos of all the Chinese banks seem to be strangely un-eyecatching. And the great majority of them favour a predominant colour scheme of 'lucky red' - which is, of course, also used by 80% of other businesses in China. Bank signs often don't have any high recognisability factor about them, nothing much that distinguishes them from a sign for an insurance company or a restaurant or a massage parlour. What's more, most bank branches these days are housed inside malls, and do not necessarily have any frontage on to the street. Thus, their signs - where they are visible at all - will be clustered in amongst dozens of other similar signs for insurance companies and restaurants and massage parlours, and really not at all conspicuous. And not all that close to the actual location of the bank. I have several times had the experience of seeing a sign for a bank (and a cashpoint) on the exterior of a new mall development, and thinking that the bank should be easy to find as it is probably the only tenant thus far, but after ten minutes of vainly trying to ask security guards and janitors about the the whereabouts of the yinhang, I have given up my search and returned to the streets still cashless.
Chinese banks - they really are damned hard to find sometimes.