Research On The Optimization Of The Spatial Pattern Of Outlets In Shanghai's National Joint-stock Commercial Banks

The national joint-stock commercial banks are fresh blood to promote the reform of China 's commercial banks,promote the formation of banking competition mechanism.It has made active exploration and achievements in the subdivision of China 's banking financial market,financial product innovation and bank marketing.The business outlets of banks generally refer to the following branches(excluding branches)established by commercial banks to provide financial services,self-service banking facilities.Although many banks have established a virtual network,that is,online banking,but most of the banking business still need to face-to-face delivery of service information,in a fixed place to handle the relevant procedures,so the business branch is still the main way to contact between banks and customers.Under the fierce market competition,the study of joint-stock commercial banks network layout can provide reference for the development of banks and people 's living convenience.In this paper,the distribution pattern of 10 national joint-stock commercial banks in Shanghai is analyzed.The cluster characteristics of the national joint-stock commercial banks in Shanghai are revealed by the concentration index,Moran index,Gini coefficient and LISA agglomeration of the geographical environment dimension,and the social economic dimension factors and the banks are analyzed by the macroeconomic,industrial and population conditions.The correlation of dot distribution.The research shows that:(1)the national joint-stock commercial bank outlets in Shanghai mainly gather in the traditional economic developed areas and Pudong New Area in Shanghai,showing a layer layout.(2)joint-stock commercial banks have spatial aggregation and spatial correlation is positively correlated.(3)the development of the national joint-stock commercial banks is influenced by various social and economic factors.On this basis,this paper plans the development of national joint-stock commercial banks in Shanghai,and puts forward the corresponding optimization strategies from the geographical environment,social and economic dimension and the bank's own situation,which provides reference for the layout of the national joint-stock commercial banks in Shanghai.Before this,domestic scholars have made more research on large commercial banks in China,less research on joint-stock commercial banks,research on the distribution of joint-stock commercial banks throughout the country,and little research on national joint-stock commercial banks in Shanghai,and more research on national joint-stock commercial banks from the geographic environment dimension,combined with the social and economic dimensions.There are few research on national joint-stock commercial banks.In this paper,through the research on the difference of network layout and the correlation with the social and economic factors of the national joint-stock commercial banks in Shanghai,by constructing the measurement model of the geographical environment dimension and the econometric model of the socioeconomic dimension,this paper analyses the layout of the whole national joint-stock commercial banks in Shanghai,which is the national joint-stock commercial bank from the theory and the empirical.The layout of Shanghai network provides a reference basis.