通过跨区域金融交易网络分析银行的分销网络发展战略[文献翻译].doc

1、外文题目THESTUDYOFDEVELOPMENTSTRATEGYFORBANKDISTRIBUTIONNETWORKTHROUGHTHEANALYSISOFINTERREGIONALFINANCIALTRANSACTIONNETWORK出处LECTURENOTESINCOMPUTERSCIENCE,2009作者JAEWEONHONG,WONEUIHONG,ANDYOONSIKKWAK原文ABSTRACTTHISSTUDYATTEMPTSTOSHEDLIGHTONTHEFACTORSTHATINFLUENCETHELOCATIONSOFBANKBRANCHESINESTABLISHINGABA

2、NKSDISTRIBUTIONNETWORKFROMTHEANGLEOFTHENETWORKANALYSISWHEREASTHEPREVIOUSSTUDIESANALYZEDTHELOCATIONSOFBANKBRANCHESONTHEBASISOFTHEIRGEOGRAPHICALCHARACTERISTICSANDIMAGE,THESIGNIFICANCEOFTHISSTUDYRESTSUPONTHEFACTTHATITENDEAVORSTOEXPLORETHELOCATIONFACTORSFROMANEWPERSPECTIVEOFTHEMOVEMENTPATHOFFINANCIALCUS

3、TOMERSFORTHISANALYSIS,THENETWORKBETWEENADMINISTRATIVEDISTRICTS,WHICHFORMTHEFUNDAMENTALUNITOFALOCATION,WASANALYZEDBASEDONTHEFINANCIALTRANSACTIONALDATATHEIMPORTANTFINDINGSOFTHISSTUDYAREASFOLLOWSFIRST,INCONFORMITYWITHTHEPREVIOUSSTUDIES,THEINCOMELEVEL,THESPENDINGLEVEL,THENUMBEROFBUSINESSES,ANDTHESIZEOFW

4、ORKFORCEINTHEPERTINENTREGIONWEREALLFOUNDTOINFLUENCETHESIZEOFABANKSMARKETSECOND,THECENTRALITYINDEXEXTRACTEDFROMTHEANALYSISOFTHENETWORKWASFOUNDTOHAVEASIGNIFICANTEFFECTONTHELOCATIONSOFBANKBRANCHESINPARTICULAR,THEDEGREECENTRALITYWASREVEALEDTOHAVEAGREATERINFLUENCEONTHESIZEOFABANKSMARKETTHANDOESTHECLOSENE

5、SSCENTRALITYSUCHRESULTSOFTHISSTUDYCLEARLYSUGGESTTHENEEDSFORANEWAPPROACHFROMTHEPERSPECTIVEOFNETWORKINFURTHERANCEOFOTHERFACTORSTHATHAVEBEENCONSIDEREDIMPORTANTINTHEPREVIOUSSTUDIESOFTHEDISTRIBUTIONNETWORKSTRATEGIESKEYWORDSDISTRIBUTIONNETWORKSTRATEGIES,BANKBRANCHES1INTRODUCTIONRECENTLY,DOMESTICBANKSHAVEB

6、EENOPENINGNEWBRANCHESTOESTABLISHCOMPETITIVESALESSTRATEGYTHERAPIDLYINCREASINGNUMBEROFNEWBRANCHESVERIFIESTHISCLAIMFOREXAMPLE,BYJULYOFTHEFINANCIALYEAROF2007,THENUMBEROFTHENEWLYESTABLISHEDBRANCHESOFSEVERALBANKSARETHEFOLLOWINGS39OFTHEINDUSTRIALBANKOFKOREA,38OFTHENATIONALAGRICULTURALCOOPERATIVEFEDERATION,

7、26OFTHEKOOKMINBANK,AND21OFTHEHANABANKTHEKOREAECONOMICDAILYTHEBANKSBRANCHSTRATEGYTAKESTWOFORMSONEOFTHEMISESTABLISHINGANEWBRANCHANDTHEOTHERISRELOCATINGANEXISTINGBRANCHBUTINBOTHCASES,THEQUESTIONOFLOCATIONEMERGESASTHEMOSTIMPORTANTISSUEABRANCHISDIRECTLYTIEDTOTHEGROWTHOFBANK,ASITISTHEFRONTLINEOFSALESTHUS,

8、WHENCHOOSINGALOCATIONFORABRANCH,EACHBANKTAKESVARIOUSFACTORSINTOACCOUNT,SUCHASTHELEVELOFINCOME,BRANCHFUNCTIONS,COMPETITION,LANDVALUE,GROWTHPOTENTIAL,ANDTHENUMBEROFFINANCIALINSTITUTIONSNELSON1960CHANSEOK,PARKETAL1993ALSO,FROMTHEMETHODOLOGICALPERSPECTIVE,EACHBANKEMPLOYSANDDEVELOPSVARIOUSMATHEMATICALMOD

9、ELSORCONTINUOUSLYSTRIVESTOAPPLYNEWMETHODSTHERECENTINTRODUCTIONOFGEOGRAPHICINFORMATIONSYSTEMGISCANBEVIEWEDASANEXTENSIONOFSUCHTRENDMINKIMETAL2004THISSTUDYATTEMPTSTOANALYZETHEFACTORSTHATINFLUENCETHESELECTIONOFBRANCHLOCATIONTHROUGHNETWORKANALYSIS,WHICHISBASEDONCUSTOMERTRANSACTIONDATATHEFINDINGSOFTHISSTU

10、DYAREEXPECTEDTOCONTRIBUTEINTHEMETHODOLOGICALEXPANSIONOFPREVIOUSSTUDIESNETWORKISTHECOLLECTIONOFNODESTHATARECONNECTEDBYLINESTHENODESCANBESEENASPERSONS,LOCATIONSORFUNCTIONS,ANDTHELINESCANBESEENASTHEFLOWOFINFORMATIONORPHYSICALCHANNELSBETWEENTHENODESBARABASI,2002THUS,THEVALUEOFTHISSTUDYLIESWITHTHEFACTTHA

11、TITVIEWSTHEBRANCHLOCATIONASTHENETWORKINGCHANNELSOFCUSTOMERTRANSACTIONSFURTHERMORE,THISSTUDYISALSOEXPECTEDTOCONTRIBUTEINESTABLISHINGTHEFUTUREDISTRIBUTIONNETWORKSTRATEGIES2THEORETICALBACKGROUND21THESTUDYOFPRECEDINGFACTORSINESTABLISHINGBANKDISTRIBUTIONNETWORKANINCREASEINTHEPOTENTIALSALEBECOMESPOSSIBLEW

12、ITHAGOODLOCATION,ASITCOULDATTRACTMORECUSTOMERSPASTOR,1994THELOCATIONTHEORY,WHICHCONSIDERSANIDEALLOCATIONOFASTOREINORDERTOMAXIMIZETHEPROFIT,WASINTRODUCEDINTHEEARLY2OTHCENTURYTHESTUDYOFTHISTHEORYBECAMEREVITALIZEDINTHE1940SASTHEASSESSMENTOFBROADCHARACTERISTICSOFASTORESCOMMERCIALZONEANDTHEMEASUREMENTOFM

13、ARKETSHAREWITHINACITYBECAMETHEFOCUSOFTHESTUDYTHESESTUDIESEXPERIENCEDFURTHERRAPIDDEVELOPMENTSINTHE1950SESPECIALLY,MANYTHEORIESREGARDINGTHECHARACTERISTICSOFCUSTOMERSSELECTIONSOFRETAILSTORESWEREDEVELOPEDTHROUGHTHESTUDIESOFTHESUBURBSHOPPINGCENTERSERECTEDINTHEUNITEDSTATESAFTERWORLDWARIIDUETOTHEDECENTRALI

14、ZATIONOFRETAILBUSINESSBASEDONTHESESTUDIES,NELSON1960IDENTIFIEDTHEFOLLOWINGSASTHEIMPORTANTFACTORSINDECIDINGTHEFEASIBILITYOFALOCATIONPOPULATION,INCOME,BRANCHFUNCTION,COMPETITION,LANDVALUE,ANDFUTUREDEVELOPMENTPOTENTIAL,ETCINADDITION,HUFFSUGGESTEDTHETRAFFICHOURSANDTHETYPEOFTRADEDGOODSASTHECONTRIBUTINGFA

15、CTORSALSO,KIMSSTUDYMINKIMETAL2004EVALUATEDTHEGEOGRAPHICALCHARACTERISTICSOFALOCATIONASANOTHERSIGNIFICANTFACTORASARESULT,GISANALYSISWASEMPLOYEDTOINCLUDEVARIOUSGEOGRAPHICALCHARACTERISTICSINTHECONSIDERATIONOFALOCATIONASINTHESTUDIESCONDUCTEDONTHEBANKS,SUNGRYONGLEE1985VIEWEDTHECUSTOMERCHARACTERISTICSANDTH

16、EBRANCHCHARACTERISTICSASTWOSIGNIFICANTLOCATIONFACTORSWITHRESPECTTOTHEBRANCHCHARACTERISTICS,INPARTICULAR,THENUMBEROFBRANCHESOFOTHERFINANCIALINSTITUTIONSINTHEREGIONISANIMPORTANTFACTORCHANSEOKPARKANDYUNYOUNGLEE1993ANALYZEDTHELOCATIONSOFBANKBRANCHESBYEMPLOYINGTHEGISANALYSISBASEDONTHEDATABASEHEEYEONLEEAN

17、DEUNMIKIM1997ALSOUSEDTHEGISANALYSISINDOINGSO,THEYHADFIRSTSELECTEDTHEREGIONALECONOMICFOUNDATION,THEREGIONALECONOMICSTRENGTH,ANDTHEDEMANDINDUCTIVITYASTHEDETAILEDLOCATIONFACTORSOFABANKBRANCH,WHICHTHENFORMEDTHEBASISOFTHEANALYSISTHROUGHDEVELOPINGOFALGORITHMSBASEDONMATHEMATICALMODELS,CORNUEJOLS1979ATTEMPT

18、EDTOACHIEVETHEMETHODOLOGICALEXPANSIONOFABRANCHSELECTINGSTRATEGY22THESTUDYOFFACTORSTHATAFFECTINGBANKSPROFITABILITYASTHEPARAMETERSOFMEASURINGTHEPROFITABILITYOFBANKDIVIDEINTOCREDITSANDDEPOSITS,BYUNGGILLEE2006ASSESSEDTHEBRANCHNETWORKINGEFFICIENCYBYTHESIZEOFCREDITSANDDEPOSITSINASTUDYOFBANKPROFITABILITY,S

19、UNGRYONGLEE1985CONCLUDEDTHATALOCATIONOFBANKAFFECTSTHESIZEOFDEPOSITSANDTHEPROFITMOREOVER,LEE1985FOUNDTHATASTHENUMBEROFBRANCHESOFOTHERFINANCIALINSTITUTIONSINCREASES,THEPROFITABILITYOFABANKBRANCHINTHATREGIONALSOINCREASESUGGYEONCHO1990HASATTEMPTEDTOEXPLAINWHETHERABRANCHSPROFITANDLOSSVARYDEPENDINGONITSLO

20、CATIONANDTHEDENSITYOFBRANCHESINTHATREGIONINASTUDYBYGIINSONG2006,HEHASCONCLUDEDTHATFUNCTIONALCHARACTERISTICS,SUCHASCUSTOMERSCONVENIENCE,ANDBRANDIMAGEORPSYCHOLOGICALTRUSTAFFECTTHECONTINUOUSCUSTOMERCOMMITMENTINTHESTUDIESPERTAININGTOTHEIMAGES,THECUSTOMERSWEREFOUNDTOFORMANIMAGEOFABANKFROMVARIOUSINFORMATI

21、ONSOURCES,ANDSUCHFORMEDIMAGEHADASIGNIFICANTINFLUENCEONTHEPROFITABILITYOFTHEBANKNAKANISHANDCOOPER1974HAVECONCLUDEDTHATTHEBRANCHIMAGE,LEVELOFSERVICE,VALUEOFPRODUCTS,ANDTHEBUILDINGSHOULDBECONSIDEREDINTHEEVALUATIONOFABANKSPROFITABILITYYOUNGJUNKIMANDYONGSIKNAM1997EXPOUNDEDTHAT,WHENCHOOSINGABANK,PERSONALB

22、ANKINGCUSTOMERSTENDTOPLACEMOREEMPHASISONTHEIRATTITUDETOWARDABANKSSERVICESANDIMAGESTHANBUSINESSBANKINGCUSTOMERSDOINOTHERWORDS,PERSONALBANKCUSTOMERSTENDTOVALUETHEPERSONALIMAGESTHEYFORMEDTOWARDABANKANDUSETHESEIMAGESASTHEGROUNDSONWHICHTOCONTINUETHEIRRELATIONSHIPWITHTHEBANKMYUNGSIKLEE1993AGREEDWITHTHENOT

23、IONTHATABANKSIMAGECOULDHAVEAPOSITIVEINFLUENCEONACONTINUOUSCUSTOMERCOMMITMENTTOTHEBANKFURTHERMORE,KYUNGKOOKLEE2007ASSERTEDTHATTHEGREATERPOSITIVEIMAGEABANKESTABLISHESBASEDONTRUST,THEMORELIKELYITISTOINCREASETHECUSTOMERSATISFACTIONKIINSONG2006CONFIRMEDSUCHASSERTIONSBYADJOININGWITHTHEPREVIOUSNOTIONSHESPE

24、CIFICALLYSUGGESTEDTHATCUSTOMERSAREINFLUENCEDBYTHEFUNCTIONALCHARACTERISTICSSUCHASCONVENIENCEASWELLASTHEBRANDIMAGEANDTHEPSYCHOLOGICALTRUSTTHEREFORE,CUSTOMERSIMAGEOFABANKCANBECONCLUDEDASANIMPORTANTFACTORAFFECTINGTHEPROFITABILITYOFABANKHENCE,ABANKSPROFITABILITY,MEASUREDBYTHEIRSALESORTHEIRCUSTOMERSROYALT

25、Y,COULDVARYDEPENDINGONTHEFACTORSSUCHASITSLOCATIONORITSIMAGECONSTRUCTEDBYTHECUSTOMERSTHISSTUDY,HOWEVER,ATTEMPTSTOFOCUSONTHELOCATIONFACTORWHILEELIMINATINGTHEIMAGEFACTORSFROMITSANALYSISTOPUTEMPHASISONTHEREGIONALCHARACTERISTICS3STUDYMETHODS31RESEARCHDATATHISSTUDYISBASEDONTHEDATATHATWASGATHEREDINSEOULREG

26、IONATTHEENDOF2004THEDATACANBECLASSIFIEDINTOTHREETYPESTHEFIRSTTYPEOFDATARELATESTOTHECHARACTERISTICSOFINDIVIDUALADMINISTRATIVEDISTRICTHERE,THEINFORMATIONABOUTTHEPOPULATION,THENUMBEROFBUSINESSESANDEMPLOYEES,THEINCOME,ANDTHESPENDINGPATTERNSAREINCLUDEDTHROUGHTHEDATA,THISSTUDYATTEMPTSTOEXPLORETHEFACTORSTH

27、ATINFLUENCEABANKSPROFITABILITYTHISDATAWASCONSTRUCTEDBYINCORPORATINGTHEDATAFROMTHENATIONALSTATISTICALOFFICEANDTHECONSUMERSURVEYSTHESECONDTYPEISTHEINTERDISTRICTFINANCIALTRANSACTIONNETWORKDATATHISWASPRODUCEDBYGATHERINGANDPROCESSINGTHEFINANCIALTRANSACTIONINFORMATIONBETWEENTHEADMINISTRATIVEDISTRICTSTHISD

28、ATAINDICATESTHEFREQUENCYOFFINANCIALTRANSACTIONALRELATIONSHIPBETWEENDISTRICTSTHEMOREDETAILEDFORMOFDATATAKESTHEBINARYFORMAT,WHICHINDICATESTHEEXISTENCEOFRELATIONSHIPSBETWEENADMINISTRATIVEDISTRICTSTHISDATAWASGATHEREDBYANALYZINGTHECUSTOMERTRANSACTIONLOGSFORBANKATOUNDERSTANDTHEINTERDISTRICTTRANSACTIONPATT

29、ERNSANDTOUSEDITINBUILDINGABRANCHSTRATEGYTHETHIRDTYPEOFDATAINCLUDESINFORMATIONREGARDINGTHEQUANTITYANDTHESIZEOFBANKSWITHINEACHADMINISTRATIVEDISTRICTTHISDATAWASCONJECTUREDBYINCORPORATINGTHEDATAFROMTHEBANKSASSOCIATIONANDTHECONSUMERSURVEYS32THESTUDYINGPROCESSTHISSTUDYLOOKSATTHEINFLUENCEOFLOCATIONCHARACTE

30、RISTICSOFABANKONTHEPROFITABILITYFROMTHENETWORKANALYSISPERSPECTIVEINORDERTOACHIEVETHIS,THEPREEXISTINGSTUDIESREGARDINGTHEEFFECTSOFTHESTATISTICALPOPULATIONCHARACTERISTICSANDTHEECONOMICALCHARACTERISTICSONTHEBANKSPROFITABILITYWITHINADISTRICTWERECAREFULLYSTUDIEDTHROUGHTHISPROCESS,THEFACTORSTHATCARRIEDSIGN

31、IFICANTVALUESINTHEPREVIOUSSTUDIESWEREEMPLOYEDTOPARALLELTHEIMPLICATIONSOFTHENETWORKANALYSISTHEREAFTER,THEFACTORSTHATWEREEXTRACTEDINTHENETWORKANALYSISWEREANALYZEDINRELATIONSTOTHEEFFECTSONTHEPROFITABILITYASINJAEWONHONGSSTUDY2008,BECAUSETHELOWESTLEVELOFSTATISTICSGATHEREDBYTHENATIONALSTATISTICSOFFICEISDO

32、NEATTHEADMINISTRATIVEDISTRICTLEVEL,THISSTUDYALSOSELECTSTHEADMINISTRATIVEDISTRICTASTHEANALYTICALUNITTOMAXIMIZETHEPRACTICALITY4THERESULTSOFTHESTUDY41THEINFLUENCEOFANADMINISTRATIVEDISTRICTSCHARACTERISTICSONTHEMARKETSIZEACLOSELOOKATTHEMAJORCHARACTERISTICSOFADMINISTRATIVEDISTRICTTHEDEPENDENTVARIABLEUSEDI

33、NTHISSTUDYREVEALSTHEFOLLOWINGSTATISTICALDATATHEAVERAGEPOPULATIONPERADMINISTRATIVEDISTRICTISAPPROXIMATELY19,489,THEAVERAGEMONTHLYINCOMEPERHOUSEHOLDISAPPROXIMATELY338MILLIONKOREANWON,THEAVERAGESPENDINGISAPPROXIMATELY169MILLIONKOREANWON,ANDTHEAVERAGENUMBEROFBUSINESSESISAPPROXIMATELY1,431TABLE1ILLUSTRAT

34、ESTHERESULTSOFANANALYSISOFTHEEFFECTSTHATTHEMAJORCHARACTERISTICSOFANADMINISTRATIVEDISTRICTHAVEONTHEMARKETSIZEINTHISINVESTIGATION,THESUMOFTHEESTIMATEDSIZEOFDEPOSITSANDCREDITSOFBANKSINEACHADMINISTRATIVEDISTRICTINTHEAREAOFSEOULWEREUSEDASASUBORDINATEVARIABLETHERESULTSHOWSTHATTHESIZEOFWORKFORCEHASAGREATER

35、INFLUENCEONTHESIZEOFCREDITSANDTHESUMOFDEPOSITSANDCREDITSTHANDOESTHELEVELOFINCOMETHESIZEOFWORKFORCESEEMSTOINDICATETHEDEGREEOFWORKCENTEREDNESSFURTHERMORE,THELEVELOFSPENDINGANDTHENUMBEROFBUSINESSESWEREFOUNDTOAFFECTTHEWEALTHHERE,THENUMBEROFBUSINESSESINDICATESTHEDEGREEOFCONSUMPTIONCENTEREDNESSOFTHEPERTIN

36、ENTREGIONASITINCLUDESEVENTHESIMPLIFIEDBUSINESSESSUCHASRESTAURANTSTABLE1THEEFFECTSOFADMINISTRATIVECHARACTERISTICSONMARKETSIZEDEPENDENTVARIABLESINDEPENDENTVARIABLESADJUSTED2RINCOMEEXPENDITUREOFCOMPANYOFEMPLOYEEDEPOSITS0133023702650911040CREDITS0020002200020871074SUM0115020102210934048ALLCOEFFICIENTSAR

37、ESTANDARDIZED,DENOTESSIGNIFICANCEAT01LEVEL,ANDSIGNIFICANCEAT05LEVEL5CONCLUSIONANDSUGGESTIONSTHISSTUDYEXPLOREDTHEFACTORSAFFECTINGTHELOCATIONSOFBANKBRANCHESTHROUGHTHENETWORKANALYSISWITHTHEPURPOSEOFAIDINGINTHESELECTIONOFTHEIRLOCATIONSTHISSELECTIONOFLOCATIONSISACENTRALISSUETHATARISESINTHEPROCESSOFEXECUT

38、INGCOMPETITIVEBRANCHSTRATEGIESBYEITHERESTABLISHINGNEWBRANCHESORRELOCATINGEXISTINGBRANCHESINASCERTAININGALOCATIONSTRATEGY,THEAPPLICATIONOFTHENETWORKANALYSISISEXPECTEDTOPROVIDEANEWINSIGHTTOTHESTUDYOFLOCATIONANALYSISINORDERTOACCOMPLISHSUCHAGOAL,THERELATIONMATRIXBETWEENTHEADMINISTRATIVEDISTRICTSWASCONST

39、RUCTEDUSINGTHETRANSACTIONALBEHAVIORALDATAOFFINANCIALCUSTOMERSBETWEENADMINISTRATIVEDISTRICTSFROMTHATMATRIX,THECENTRALITYINDEXOFEACHADMINISTRATIVEDISTRICTSNETWORKWASEXTRACTED,ANDTHEEXTRACTEDCENTRALITYINDEXWAS,INTURN,UTILIZEDTOMAKEANIMPORTANTSUGGESTIONREGARDINGTHEESTABLISHMENTOFALOCATIONSTRATEGYASARESU

40、LTOFTHESTUDY,THEFACTORSSUCHASTHELEVELOFINCOME,THELEVELOFSPENDING,THEQUANTITYOFBUSINESSES,ANDTHENUMBEROFWORKERSWEREFOUNDTOHAVEASIGNIFICANTINFLUENCEONTHEBRANCHLOCATIONSELECTINGPROCESSASTHEYDIDINTHEPREVIOUSSTUDIESAMONGTHESE,THELEVELOFINCOMEANDTHENUMBEROFWORKERSHADAPOSITIVEINFLUENCE,WHEREASTHELEVELOFSPE

41、NDINGANDTHEQUANTITYOFBUSINESSESHADANEGATIVEINFLUENCETHEMOSTSIGNIFICANTFACTORWASFOUNDTOBETHENUMBEROFWORKERSINTHESTUDYOFTHENETWORKAPPROACHBETWEENADMINISTRATIVEDISTRICTS,THEDEGREECENTRALITYANDTHECLOSENESSCENTRALITYWEREFOUNDTOHAVERELATIVELYBIGGERINFLUENCETHANTHEOTHERFACTORS,ALTHOUGHLESSTHANTHENUMBEROFWO

42、RKERSFURTHERMORE,THERESULTOFTHENETWORKANALYSISOFTHEFOURBANKSBRANCHESREVEALEDTHATTHEBRANCHESLOCATEDINTHEDISTRICTSOFHIGHERDEGREECENTRALITYANDCLOSENESSCENTRALITYHADACHIEVEDMORETHANTHEBRANCHESINTHELOWERDEGREEOFCENTRALITYANDCLOSENESSCENTRALITYDISTRICTSTHUS,THEVALUEOFTHISSTUDYLIESWITHTHEFACTTHATITHASDISCO

43、VEREDTHENEEDSTODEVELOPANEWAPPROACHFROMTHENETWORKANALYSISPERSPECTIVEINFURTHERANCETOTHEPREEXISTINGFACTORSTHEFINDINGSOFTHISSTUDYAREEXPECTEDTOPROVIDEPRACTICALAPPLICATIONSTOTHEOPENINGSANDRELOCATIONSOFBANKBRANCHESHOWEVER,BECAUSETHISSTUDYHASNOTGATHEREDTHEDETAILEDDATAREGARDINGTHECOMPETITIONBETWEENFINANCIALI

44、NSTITUTIONS,ITWASINSUFFICIENTTOEXPLAININGTHEFACTORSOFSELECTINGBRANCHLOCATIONFROMEACHBRANCHSPROFITABILITYOUTLOOKTOACHIEVETHIS,THECUSTOMERSURVEYSOFINDIVIDUALBANKWOULDHAVETOBEADDITIONALLYATTAINEDFURTHERMORE,THEFUTURESTUDIESSHOULDCONSIDERTHESTRENGTHANDDIRECTIONOFLINKSANDTHERELATIONSHIPWITHNEIGHBORS外文题目T

45、HESTUDYOFDEVELOPMENTSTRATEGYFORBANKDISTRIBUTIONNETWORKTHROUGHTHEANALYSISOFINTERREGIONALFINANCIALTRANSACTIONNETWORK出处LECTURENOTESINCOMPUTERSCIENCE,2009作者JAEWEONHONG,WONEUIHONG,ANDYOONSIKKWAK译文通过跨区域金融交易网络分析银行的分销网络发展战略摘要从建立银行销售网络的角度分析，本研究试图阐明影响银行分支机构位置的因素。鉴于以往的研究，在银行分支机构的地理特征和形象的基础上，分析影响其地理位置的因素。这项研究的意

46、义在于它努力从金融客户运动路径的新角度来探索位置因素。对于这样的分析，行政区域之间形成了以网络位置为基本单位，在金融交易数据的基础上进行分析研究。本研究的重要发现如下第一，与以往的研究一致，发现收入水平、消费水平、企业的数量，以及劳动力中的有关区域的大小都能影响银行市场的规模。第二，发现从网络分析中提取的中心指数对银行分支机构位置有显著的影响。在特殊情况下，中心程度的位置比非中心对银行市场的规模具有更大的影响力。这项研究结果清楚地表明，从网络的角度考虑销售网络在前人研究的重要策略等因素的作用下促进新方法的需要。关键词分销网络战略，银行分支机构1引言最近，国内银行通过建立新的分行来创立竞争性的销

47、售策略。迅速增加的新分行数量正好验证了这一说话。例如，截止2007年财政年度7月份，几家银行新建立的分支机构数量如下39家韩国工业银行，38家全国农业合作联盟，26家国民银行和21家韩亚银行（韩国经济日报）。这些银行的分行战略有两种形式一种是建立一个新的分支，另一种是搬迁现有分支。但是在这两种情况下,位置的问题看起来是最重要的事情。一个分支机构的位置直接关系到银行销售潜力的增长，因为它是销售的最前线。因此，在选择一个分支的位置时，每家银行都会考虑多方面的因素，如收入，分支功能，竞争，土地价值，增长潜力水平，以及金融机构的数目。此外，从方法论的角度来看，各家银行采用和发展各种数学模型，或不断创新

48、采用新方法。最近引入的地理信息系统（GIS）可以被看作是这种趋势的延伸（闵金等，2004）。本研究通过网络，以客户交易数据为基础，试图分析影响分支机构选址的因素。这项研究的结果将在前人研究的方法上进行扩展。网络是用线连接的节点的集合。节点可以被看作是人，地点或功能，并且节点之间的连线可以看作是信息的流动或者是物理通道（巴拉巴斯，2002）。因此，本研究的价值在于它将分支机构位置视为客户交易的网络渠道。此外，本研究也将有助于未来建立分销网络战略。2理论背景21研究建立银行分销网络的前提因素一个好的地理位置将使销售潜力得到增长，因为它可以吸引更多的客户（帕斯塔，1994）。选址理论认为，一个商店拥

49、有理想的地理位置旨在实现利润最大化，该理论在20世纪初期被引入。这一理论的研究在20世纪40年代被注入新的活力，以一家商店的商业区域特点的评估和在城市中广泛的市场份额成为研究的重点。这些研究在20世纪50年代有了进一步的快速发展。尤其是二战后，美国因为零售业权利的下放，建立了很多郊区购物中心，通过对这些郊区零售中心的研究，学者们发展了许多关于消费者选择零售商店的特征的理论。基于这些研究，尼尔森认为决定地点可行性的重要因素如下人口、收入、分支功能、竞争、土地价值，以及未来发展潜力等。另外，哈夫提出的交通时间和交易货物类型也是其决定的因素。除此之外，金（闵金等，2004）在研究中评价了作为另一种重要因素存在的位置的地理特征。因此，GIS分析包括了在考虑位置时的各种地理特征。在对银行的研究中，李1985将顾客特色和分支机构的特征作为两个重要的因素。关于分支的特点，尤其是在该区域中其他金融机构的分行数目也是一个重要的因素。帕克和匀洋里1993以数据库为基础，通过采用地理信息系统（GIS），分析了银行分行的地理位置。贺依里和额米克1997也同样采用了GIS分析系统。在这一过程中，他们首先选择区域经济基础，区域经济实力，以及需求诱导作为银行分行的详细地理因素，然后形成了基于博弈分析的结果。通过数学模型的发展，可妞吉斯（1997）试图实