摘要
网点作为商业银行为客户提供金融服务的主要渠道,其布局合理性不仅关系到商业银行经营业绩和竞争力,也关系到社会服务功能的完善。目前,商业银行网点布局随意性和随机性较强,科学的规划和决策不足,资源的浪费和资源配置效率的低下现象突出。实证分析衡水市商业银行网点布局的各种因素,利用数理模型对商业银行网点选址进行分析和优化,以此提高网点布局的科学性与合理性。
As a main channel to provide financial service of commercial bank,the bank outlet and its layout rationality are not only related to the management performance and competitiveness of commercial banks,but also related to the perfect of social service function.At present,the randomness of the commercial bank network layout is stronger,the scientific planning and decision making are insufficient,and waste of resources and low resource allocation efficiency phenomenon are outstanding.By empirical analysis on all kinds of factors impacting the commercial bank network layout the commercial bank branch in Hengshui city,we find that using the mathematical model analyze and optimize the commercial bank branch location can improve the scientificalness and rationality of the network layout.
出处
《经济与管理》
CSSCI
2012年第3期65-68,81,共5页
Economy and Management
关键词
银行网点
相关分析
多元回归分析
bank outlets
correlation analysis
multiple regression analysis
