网络视角下商业银行空间布局分析

Analysis of Commercial Bank Nodes Special Allocation Based on Network Perspective

现实银行网点的布局存在一定的不合理性。本文利用复杂网络方法,构建了商业银行空间布局的网络结构模型,通过模型的结构参数以及模型分块情况,对网络结构特点以及银行网点的不同地位角色进行了分析。结果表明,青岛地区中国建设银行网点结构呈现扁平化且具有明显小世界特征;银行网点分布呈现区域差异性,青岛市区内呈现高聚集性,而边缘地区网点稀疏,关联性较差;随后,根据块模型理论给出了银行网点四种角色定位,有利于银行网点经营策略的改变。最后,根据结论给出了相关的政策建议。

The layout of banking outlets in reality exists certain irrationality.The network structure model of commercial banks’spatial distribution is constructed based on the theory of complex networks.At the same time,the characteristics of topological structure and the different status roles of branches are analyzed by combining the structural parameters and block model theory.The results show that the branches’structure of the construction bank in Qingdao is flatted;the characteristic of small world is found in it.Secondly,the distribution of bank branches presents regional differences.High aggregation is found in urban area of Qingdao,while the marginal areas are sparse with poor correlation.Then,four kinds of role orientations of bank branches are given according to the block model theory.It is benefit to the change of bank branches’business strategy.Finally,relevant policy suggestions are given based on the conclusion.