Research On Self-Service Banking Location Problem Under Stochastic Demand

For its simpleness, timelessness, easy access to cash and so on,Self-service Banking is gradually accepted as an important tool for the banking channels' construction and market development.The objective environment is influential to the operating status of self-service banking business, so location is the most important issue.The difficult point of this issue, due to the random distribution of the customer flow at a fixed time and complex choice behavior of the customer, is the non-exhaustiveness of addressing terms and difficulties of quantitive description. With a focuse on the quantitative descripton of the constraints, this article discuss the locating methods of Self-Service Banking.This paper firstly construct an allocation model for the market demand on the principle of customer expected utility -maximizing ,which laid the foundation for the location model.In this part, FAHP is used to analyze the expression of quality apeal of the branch that impact customers' expected utility,in order to laid the foundation for obtaining the parameters through the analysis.Further on, build a FIP model which aims to acquire the maximum market share and set a survival constraint and probability from the view of the survival limit of the branch to make the model more adaptable to the actual situation.At the same time, measure the minimum customer flow that makes both ends meet according to the analysis of costs and benefits of the Self-Service Banking.Finally,thesis takes bank A as a research object to explain how to obtain the relevant parameters(such as the sensitive coefficient of distance,the attractiveness of the branch,the lower limit of the customer flow),and validate the practicality and rationality of the model.Empirical studies have shown that through estimating and optimizing the lower bound constraint and its probability of the facilities,the flow interception location model can help the investors to search the best combination of the sevice nodes which have the biggest rate of capital redound or the social benefit,but also can provide effective data to the decision making of the new built facilities.In addition, this model is replicable and can be an effective solution to location problem of facility whose target is customer flow on the path.