The Research Of Commercial Bank Network Layout In China

The number of domestic banks in the network has obvious advantages, but because of the existing economic system and business model, the domestic banks can not be successful in its own network advantages into competitive advantages. Therefore, how rational distribution of commercial bank outlets is to improve the competitiveness of commercial banks. The network layout decisions include the reasonable control of the network total, accurate positioning network location and improve the efficiency of network layout. In this paper, the use of fuzzy evaluation, cluster analysis and efficiency evaluation model method, the use of the theory of economic geography, agglomeration of economic efficiency theory and regional economic theory, the minimization of costs, maximize the benefits and the principle of supply and demand, optimize the banking network layout, actively promote the network transformation and upgrading.According to "Analysis--drawing on experience--total control--location analysis--efficiency evaluation", this has researched to distribution network of commercial banks deeply. Firstly, there are practical problems for the network layout of China’s commercial banks, and secondly, we learn from the case of successful banking network layout, because the network layout of the commercial banks in China has important implications, and thirdly, to set the network of commercial banks total control is reasonable to analyze and solve the need to set up a regional network in question, once again, on reasonable commercial bank branches located analyze and solve specific network settings in the region which the business district, and finally, the commercial banks to evaluate the efficiency of network layout, set up to determine the commercial bank outlets and network location is reasonable.The development of chinese commercial bank outlets inefficient outlets blind expansion phase, intensive phase of new outlets stage, to enter a new stage of comprehensive open, but competitive pressures facing the expansion of foreign banks. In this paper, the data of commercial banks in China in2010on the regional distribution of bank branches, outlets total number of employees to analyze and understand the network layout Overview of China’s commercial banks. Then between the outlets of the China’s state-owned commercial banks, national shareholding commercial banks and city commercial banks are analyzed and found that commercial bank outlets in China exists banking channels construction, lack of total control of the network layout has not been established network site index system, the network location is not reasonable and branch transformation is not given sufficient attention to the network operational efficiency to be improved. In view of the above problems, from banks, foreign banks and the point of view of the examples of innovation, commercial bank outlets layout case analysis, Experience and theoretical empirical network layout of the commercial banks in China have important implications.Selecting31provinces, autonomous regions and municipalities directly under the Central Government in2010as the sample, we use the fuzzy comprehensive evaluation method to an empirical analysis of the total control of the banking network layout. Considering the specific circumstances of the various areas, first select the GDP, the GDP growth rate and other indicators to build the total control index system, and then use the Entropy Method to determine the weight of indexes, the last use of fuzzy comprehensive evaluation method to conduct a comprehensive evaluation of the total index system, come to the optimal number of agency outlets. Regional commercial banks seriously inconsistent phenomenon of the network of institutional settings and the actual demand, as following, the number of commercial banks outlets has greatly exceeded the demand in17districts including Beijing, Tianjin.while in Henan, Shandong, the number of bank outlets is much smaller than demand; only in Hubei and Hunan, the situation is more satisfactory.Network site requires accurate positioning, and we consider the data available. Twelve representatives of the five boroughs of Changsha City Commercial Circle as a research object, the use of cluster analysis method to an empirical analysis of bank branches location. First, we screen customer factors, intra-industry competition factors and location factors to build the network index system of commercial banks. Then, using the K-means clustering method, sample analysis of12commercial districts of Changsha City, output the number of categories of clustering results. The conclusion that the business circles of the Apollo Commercial Square and loose longan is the most suitable for commercial banks to establish the location of the outlets, in particular, is a comprehensive bank branches.At the year of2006-2010, the listed comerical banks of China as a research object, we use of DEA and Malmquist Index approach to evaluating the efficiency of network layout. Using Malmquist index method to measure China’s major commercial bank branches and banks the overall changes in total factor productivity index, and analyzed by the contrast between the level of all commercial banks to five years, the efficiency of the network layout. Obtained from2006to2010, all commercial banks showe a slight upward trend in the overall Malmquist index. In2009and2010, two years most of the listed commercial banks more reasonable distribution network, and joint-stock commercial banks, state-owned commercial network layout is superior to banks and city commercial banks.This paper mainly embodied in the research significance, on the one hand, through to the commercial bank site layout the depth of theory, help make up for scholars both at home and abroad to our country commercial bank of research in the field of shortage, enrich and perfect our country commercial bank management theory system, and for our country banking and the entire financial industry of providing theoretical basis for steady development. On the other hand, the second, with China’s basic national conditions and in recent years the bank reform and development of the actual conditions, the author discusses adjustment and optimization of our country commercial bank network layout method and way of decision for the stable development of commercial Banks in China have some guiding significance, establish and improve the total emission control and network node location prediction feasibility analysis system, but also realize our country’s financial security, economic sustainable and stable development of the important topic.