Research On Optimizing The Spatial Layout Of Commercial Banks In Harbin Based On Scale Performance

The physical network of commercial banks is not only the business operation platform for banks to survive,but also the extension of various information tentacles.It is the direct window for customers to know the bank.The rationality of the layout is not only related to whether the banks can win high-quality customer resources,But also to a certain extent influence the establishment of the brand image of the bank to determine whether the banks have sustainable development of competitive advantage,but each set up a network will need to invest a lot of money.Through the analysis of the layout of Harbin commercial banks,the author tries to find out the problems in the layout of bank outlets in Harbin,further study the influential factors of Harbin commercial banks,and analyze the influence of these factors on the scale performance of commercial banks.Harbin City,the poor performance of commercial banks,the layout of the problem of unreasonable to achieve a reasonable allocation of banking resources and commercial banks in China in the future layout of city outlets to provide theoretical guidance and practical guidance.Based on the analysis of the background of the study on the layout of commercial banks,this paper points out that the study on the layout of commercial banks has great strategic significance and theoretical value.In order to provide a reasonable basis for the choice of factors influencing the spatial layout of the outlets,the paper analyzes the present situation of the layout of the outlets of the sample commercial banks in Harbin,and analyzes the satisfaction of the layout of the bank outlets.The results show that the overall customer satisfaction of the joint-stock banks is the highest,the satisfaction degree of the state-owned commercial banks is the second,and the city commercial banks rank the final conclusion.From the theoretical and empirical analysis of the factors affecting the layout of the layout of the Harbin Commercial Bank,the five factors that influence the layout of the network space of the Harbin Commercial Bank are the order of the network resource factor,the dot economy factor,Bus factor,network facilities factor,network geography factor.The logarithmic cost function model is established,and the capital cost.labor cost,capital operation cost and investment are used to calculate the layout efficiency of commercial banks in Harbin,and then the correlation research is made with the layout of the outlets,and the scale performance of commercial banks is obtained.Spatial layout scores were inversely proportional to the conclusion.The state-owned banks should not focus on the expansion of the size of the center should be placed on the bank network layout.Joint-stock commercial banks and city commercial banks are more suitable to expand the scale of bank outlets.Aiming at the above results,in order to further optimize the spatial layout of commercial banks in Harbin City,the paper puts forward the suggestions to adjust the layout mode,optimize the function of network and improve the efficiency of network operation.