基于规模绩效的哈尔滨市城区内商业银行网点空间布局优化研究

发布时间：2018-01-06 08:01

本文关键词：基于规模绩效的哈尔滨市城区内商业银行网点空间布局优化研究　出处：《哈尔滨商业大学》2017年硕士论文　论文类型：学位论文

【摘要】：商业银行的实体网点既是银行的业务运营平台,又是各种信息的延伸,商业银行可否取得优良的客户资源与其布局合理性关系密切,不仅如此,银行品牌形象的建设在相当程度上受到网点布局影响。通过对哈尔滨市商业银行网点布局情况的分析,试图找出现有网点在布局中存在的问题,对哈尔滨市商业银行网点布局的影响因素进行进一步深入研究,分析各因素对商业银行规模绩效的影响程度,解决哈尔滨市规模绩效差的商业银行布局不合理的问题,实现金融资源的合理配置,为哈尔滨市商业银行未来进行规模扩张提供理论参考和实践指导。文章对国内外商业银行网点布局研究文献进行了综述,在分析商业银行网点布局研究的背景的基础上,指出商业银行网点布局研究的理论意义与现实意义,为下文网点空间布局影响因素的选择提供合理的依据,对哈尔滨市样本商业银行网点布局的总量现状进行分析,并着重分析了银行网点布局的满意度。结果表明,股份制银行的整体客户满意度最高,国有商业银行的满意度第二,城市商业银行的满意度位于最后。从理论与实证两方面对布局影响因素进行分析,得出哈尔滨市商业银行网点空间布局影响因素中,影响最大的五个主因子按从大到小的顺序是网点资源因子、网点经济因子、网点公交因子、网点设施因子、网点地理因子。建立超越对数成本函数模型,在变量上选取了资本成本、劳动成本、资金运用成本和投资来计算哈尔滨市商业银行网点布局效率,再与网点布局进行相关性方面的研究,得出商业银行规模绩效和空间布局得分大体上呈反比的结论。国有银行不应注重规模的扩张而应以银行网点的布局为中心。股份制商业银行和城市商业银行比较适宜扩张银行网点规模。针对上述数理研究所得出的结果,为了进一步实现哈尔滨市商业银行网点空间布局优化,提出了调整网点布局模式、优化网点功能、提高网点运营效率的建议。
[Abstract]:The operation platform of commercial bank is the bank entity outlets, it is the extension of all kinds of information, commercial banks can obtain the customer resources and the rationality of the layout of excellent close relationship, not only that, the brand image construction bank's network layout influence to a certain extent. Through the analysis of the distribution situation of Harbin City Commercial Bank, trying to to find out the existing problems in the layout of the network, the influence factors of the network layout of Harbin City Commercial Bank for further research and analysis of various factors on the scale of the bank performance of the degree of influence, to solve the problem of poor performance of the scale of commercial banks unreasonable layout of Harbin City, and realize the rational allocation of financial resources, for the city of Harbin for the expansion of commercial banks in the future to provide theoretical reference and practical guidance. The domestic and foreign commercial bank outlets layout research paper Offer is reviewed, based on the analysis of the background of the network layout of commercial banks, points out the theoretical study of the commercial bank network layout and practical significance, provide a reasonable basis for the selection of factors below the layout effect, to the total amount of current situation of Harbin City Commercial Bank branch, the layout of the sample analysis, and analyzes the bank site layout satisfaction. The results show that the joint-stock banks overall highest customer satisfaction, satisfaction of the second state-owned commercial banks, city commercial banks in the last analysis. The satisfaction of face layout factors from theoretical and empirical two party, the layout of commercial bank branches in Harbin City, influence factors, effects of five main factors the largest in order from large to small is the network resources factor, economic factor network, network bus factor, network facilities factor, geographical network Factor. A translog cost function model, the variables on the selection of the capital cost, labor cost, capital cost and investment to calculate the Harbin city commercial bank network layout efficiency, and the relationship between the network layout, the scale of the bank performance and the spatial layout score generally is inversely proportional to the state-owned banks not conclusion. Should pay attention to the expansion of the scale and should be based on the layout of banking outlets as the center. The joint-stock commercial banks and city commercial banks is more suitable for the expansion of bank branches scale. According to the above mathematical research results, in order to realize the optimization of space layout of commercial bank branches in Harbin City, put forward to adjust the network layout optimization model, the function of the network, improve network the operational efficiency of the proposal.

【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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