The Study On The Layout's Factors Of Commercial Bank Branches

In recent years, virtual banks in China have developed just recently. Especially in the developed coastal areas, it is developing rapidly. But virtual banks still can not replace the physical network in the banking system. After development for several years, for banking, the physical network of bank is still the basis of the survival and development. In many underdeveloped areas, the bank of the physical network is an most important means to get more market share. Since our country became a member of WTO, China's financial market is gradually opening and many foreign banks have come to China to set up many branches in financial market. Small and medium sized joint-stock banks in home have developed rapidly in recent years; State-owned banks in China have finished their reform step by step. Generally, in competitive environment of China, China's banking is facing both opportunities and challenges. Because of China's economic growth, people's income is increasing and they demand for more banking products.The layout of commercial banks have difficult problems for many years. These problems have made commercial bank inefficient and weak competitiveness. They can not provide diversity products to meet people's need.All banks are facing several following problems:How to optimize the layout of commercial bank branches; How to make bank branches more efficiency; How to become stronger in competitive environment.Currently, some commercial banks start to transformation the layout of branches.One of their works is optimizing the layout of commercial bank branches. These banks often think function transformation and ignore the layout. Therefore, there are still many problems which bank must resolve. This paper study the layout's factors of commercial bank branches. The scope of the study is the layout of bank branches in a city. Basic on these theories such as business district theory, location theory, the theory of market demand, I use expert scoring method. Experts rate for these factors and I analyze the weight of factors which affect the layout of bank branches. J bank in Hefei city is a good example. The article has five parts. In the first part, I introduce the problem which I study and the objective and meaning of the paper. In the second part, I study many domestic and foreign materials about the layout of bank branches. There are many theories and models related. Then I introduce the experience of some chain retail enterprises. In the third part, I elaborate the principles of the layout of bank branches. I find out the factors on the basis of the theories above. In the forth part, I use a bank as a example. I research much data about this bank and analyze the situation of a bank. At last, I analyze the factors which effect on the layout of a bank breaches. In the last part, here have some shortcomings in my article and my research result. We can divide these factors into two parts:external factors and internal factors. The external factors play a more important role than these internal factors. So, when we make a decision about the layout of bank branches, we must put these external factors such as market demand and convenience on the firs:place. It is importance to combine market demand with competitive situation to make decision. One the anther hand, we can not ignore consumer's need.