本文關(guān)鍵詞：烏魯木齊市銀行網(wǎng)點(diǎn)的空間布局及其影響因素分析　出處：《新疆師范大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 銀行網(wǎng)點(diǎn) 空間分布 影響因素 平均最鄰近距離分析 核密度分析

【摘要】：金融業(yè)是現(xiàn)代經(jīng)濟(jì)的核心產(chǎn)業(yè),是未來(lái)經(jīng)濟(jì)發(fā)展的重要推動(dòng)力。銀行業(yè)是經(jīng)營(yíng)存款、放貸、匯兌、儲(chǔ)蓄等金融業(yè)務(wù)的機(jī)構(gòu)。銀行業(yè)從屬于金融業(yè)。烏魯木齊市作為新疆的首府,隨著“五大中心”戰(zhàn)略的部署安排和推進(jìn),其金融業(yè)穩(wěn)步快速發(fā)展,金融業(yè)增加值穩(wěn)步上升,但烏魯木齊市銀行業(yè)和金融業(yè)之間發(fā)展不同步,銀行業(yè)發(fā)展緩慢,跟不上金融業(yè)發(fā)展的步伐。銀行業(yè)最基礎(chǔ)的機(jī)構(gòu)是銀行網(wǎng)點(diǎn),銀行網(wǎng)點(diǎn)的數(shù)量及布局合理化也同樣制約著銀行業(yè)的發(fā)展。因此,本文以烏魯木齊市為研究區(qū)域,通過(guò)分析烏魯木齊市銀行網(wǎng)點(diǎn)空間分布格局及其集聚特征,厘清其銀行業(yè)的發(fā)展方向,為引導(dǎo)銀行業(yè)科學(xué)、有序發(fā)展和功能優(yōu)化提供依據(jù)基礎(chǔ)。通過(guò)收集統(tǒng)計(jì)數(shù)據(jù)、銀行官方網(wǎng)站數(shù)據(jù)和實(shí)地調(diào)查數(shù)據(jù),運(yùn)用平均最近鄰距離分析、核密度分析、緩沖區(qū)分析、Ripley’s K(d)函數(shù)等方法分析出烏魯木齊市銀行網(wǎng)點(diǎn)的空間布局特征及其類別差異,總結(jié)其空間分布的模式,而且對(duì)中心城區(qū)銀行網(wǎng)點(diǎn)的空間布局和各個(gè)城區(qū)的集聚情況展開(kāi)分析。結(jié)合烏魯木齊的全國(guó)性大型銀行客戶的訪談結(jié)果,揭示烏魯木齊銀行網(wǎng)點(diǎn)布局的影響因素并提出優(yōu)化烏魯木齊銀行網(wǎng)點(diǎn)布局的優(yōu)化建議。研究的結(jié)果如下方面:(1)烏魯木齊市銀行網(wǎng)點(diǎn)呈空間不平衡性布局,表現(xiàn)出強(qiáng)烈的空間集聚性。不同類型的銀行網(wǎng)點(diǎn)的空間分布特征顯著。全國(guó)性大型銀行網(wǎng)點(diǎn)和區(qū)域性中小型銀行網(wǎng)點(diǎn)的空間布局存在差異性。全國(guó)性大型銀行網(wǎng)點(diǎn)分布更普遍,中心城區(qū)網(wǎng)點(diǎn)集聚,在外圍地域網(wǎng)點(diǎn)也有零星分布。區(qū)域性中小型銀行網(wǎng)點(diǎn)分布集中更強(qiáng),大多數(shù)位于核心商圈內(nèi),外圍區(qū)域基本無(wú)分布。各種類別銀行網(wǎng)點(diǎn)的空間分布模式差異顯著。全國(guó)性大型銀行、全國(guó)性中小型銀行、區(qū)域性中小型銀行等三類銀行網(wǎng)點(diǎn)均呈現(xiàn)出由中心到外圍遞減的空間模式,且北部比南部遞減緩慢。農(nóng)村信用社表現(xiàn)出均質(zhì)的空間分布模式。外資銀行(東亞銀行)僅集中分布中心城區(qū)的核心商業(yè)區(qū)。(2)烏魯木齊中心城區(qū)的銀行網(wǎng)點(diǎn)呈現(xiàn)明顯橢圓形圈層的向心性分布。中心城區(qū)銀行網(wǎng)點(diǎn)空間分布呈倒“L”形變化趨向,距離約3.8km處集聚性最強(qiáng)。利用核密度分析,搜索半徑設(shè)為3000米搜索出烏魯木齊市銀行網(wǎng)點(diǎn)熱點(diǎn)區(qū)基本集中在中心城區(qū),已形成了4個(gè)銀行網(wǎng)點(diǎn)的集聚區(qū)(大小十字和大小西門(mén)商圈、友好商場(chǎng)商圈、鐵路局商圈和紅山商圈)。(3)通過(guò)全國(guó)性大型銀行的客戶訪談可知,大多數(shù)客戶認(rèn)為銀行辦理業(yè)務(wù)等候時(shí)間較長(zhǎng),手續(xù)費(fèi)不合理,全國(guó)性大型銀行投資理財(cái)產(chǎn)品存在較大的趨同性。另外,全國(guó)性大型銀行網(wǎng)點(diǎn)呈現(xiàn)中心城區(qū)高度強(qiáng)烈的空間集聚,其他外圍區(qū)域(如達(dá)坂城區(qū)、烏魯木齊縣)銀行網(wǎng)點(diǎn)較少,客戶辦理業(yè)務(wù)排隊(duì)時(shí)間較長(zhǎng)。(4)銀行網(wǎng)點(diǎn)選址和優(yōu)化的建議就是以城市規(guī)劃為指導(dǎo),以客戶為中心,挖掘客戶需求,提供更多的優(yōu)質(zhì)性的金融服務(wù)。
[Abstract]:The financial industry is the core industry of the modern economy, is an important driving force for economic development in the future. The banking business is deposit, loan, exchange, savings and other financial services institutions. Banking industry belongs to the financial industry. The city of Urumqi as the capital of Xinjiang, with the "five centers" strategic arrangement and promote the financial industry the steady and rapid development, the financial added value increased steadily, but between the Urumqi banking and financial industry development is not synchronized, the banking industry development is slow, can not keep up the pace of development of the financial industry. The most basic banking institutions is the bank network, the development of the number and layout of bank branches also restricts the rationalization of the banking industry. Therefore, this paper takes Urumqi city as the study area, through the analysis of Urumqi city spatial distribution pattern and bank outlets agglomeration characteristics, clarify its development direction of the banking industry, to guide the banking Science The orderly development and function optimization, provide the basis basis. By collecting statistical data, bank official website data and field survey data, using the average nearest neighbor distance analysis, kernel density analysis, buffer analysis, Ripley s K (d) function method to analyze the spatial distribution characteristics of Urumqi city and the categories of bank outlets difference, summary the spatial distribution pattern and agglomeration spatial layout and each city of city center bank outlets are analyzed. Based on the results of the interview clients large national bank of Urumqi, Bank of Urumqi revealed influence factors of network layout and optimization suggestions are put forward to optimize the layout of the Urumqi bank outlets. The research results are as follows: (1) the banks of Urumqi was unbalanced in spatial layout, showed strong spatial agglomeration. The bank network of different types of space The distribution characteristics of spatial distribution is significant. The large national banks and regional small and medium-sized bank outlets are different. Large national bank outlets more generally, the Center City outlets in the periphery region agglomeration, dot is also scattered. In the small regional bank outlets concentrated more, most located in the central business district in the peripheral region no differences in distribution. Spatial distribution pattern of various types of bank outlets is significant. Large national banks, national small and medium banks, regional small and medium sized banks and other three kinds of bank outlets are showing a spatial pattern from the center to the periphery of the decline, and in the north than in the South pass slow slow. The rural credit cooperatives showed homogeneous distribution the spatial pattern of foreign banks (BEA). Only the core business district concentrated in the center of the city. (2) the center of Urumqi city bank branches showed elliptical sphere The concentric distribution center. The space city bank outlets inverted "L" shape change trend, a distance of about 3.8km. The strongest clustering analysis by using kernel density, search radius set to 3000 meters to search out the banks of Urumqi area basically concentrated in the city center, has formed 4 banking outlets (gathering area the size and size of cross Simon District, Friendship Shopping Mall Shopping District, Hongshan District Railway Bureau and the district). (3) the large national bank customer interviews show that the majority of customers that the bank to wait a long time, unreasonable fees, large national banks to invest in financial products there is a big convergence. In addition, the national large bank branches showed strong spatial agglomeration city center height, other peripheral regions (such as Daban Town, Urumqi county) bank outlets less customers queuing time. (4) silver The suggestion of site selection and optimization is to take the city planning as the guide, take the customer as the center, excavate the customer's needs, and provide more quality financial services.

【學(xué)位授予單位】：新疆師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.2

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