商业银行空间市场力的演进规律——中国光大银行拓扑结构的分析

The Regular Patterns of Spatial Market Power for Commercial Banks:A Topology Study of China Everbright Bank

构建商业银行空间市场力模型测度商业银行空间市场力,并应用于光大银行并绘制其拓扑结构图,分时段显示其拓扑结构的演进路径,度分布检测说明光大银行拓扑结构具有泊松分布特征。基于光大银行截止2009年在全国31省市自治区(不含台湾、香港数据)尚有8个行政区尚未布局营业网点的状态下,按照有效拓扑路径模拟设置行政区网点,得到其设置的先后顺序,并与以后该银行真实情况对照并取得了大致一致,这说明该银行在后期对营业网点设置中遵循了拓扑结构的优化过程。

There is some lacking of measurement of spatial market power and topological analysis in current ac- ademic researches. This article measured the spatial market power of China Everbright bank based on a com- mercial bank model, and gave the topology diagram according to the measured data. The change pattern can be deducted from three topology diagrams from 1999 to 2009. It is found that the topology of China Everbright bank is obeyed to poisson distribution according to the degree distribution testing. More interesting finding ex- ists in the analog calculations of setting network order in eight un-operated provincial locations for China Ever- bright bank. The analog result keeps consistent mostly with the reality of market developments of China Ever- bright bank. The new path setting of eight provincial locations at a later stage follows the topology optimiza- tion process, though not intentionally. Our study method can give some reference to a corporation which has re- gional operation network in knowing its topology and rational use of its existing space advantages.