论金融机构布局的影响因素

Analysis of the Influencing Factors of Financial Institutions Layout

金融机构的布局状况,直接关系到自身的经营绩效,而且对区域金融发展也会产生重要影响。因此,对金融机构布局的影响因素的分析,也就具有了重要的理论意义和实际应用价值。本文以商业银行为例,从外部和内部两方面入手,对影响金融机构布局的因素进行了探讨。分析认为,影响金融机构的外部因素主要包括经济环境、社会因素、地理区位、行政法律、同业竞争,内部因素主要包括规模经济、市场定位、形象营销和金融风险。

The layout situation of financial institutions not only directly affects their own business performancebut also has important influence on regional financial development. So,it is important academic significance and appli-cation value in analyzing the influencing factors of the layout of financial institutions. We took the commercial bank asan example,analyzed the influencing factors of financial institutions layout from two aspects of external and internal.We concluded that the external factors that influence the financial institutions layout mainly include economic environ-ment,social factors,geographical location,administrative and legal factors,the same industry competition situation;the internal factors include economy of scale,market position and business orientation,image marketing,financialrisk profile.