Shanghai University, Shanghai 201800, China
In recent years, due to the outbreak of the COVID-19 epidemic, the national economy has been greatly affected. On the one hand, the central government has increased its support for small and medium-sized joint-stock banks for financing small and medium-sized enterprises, and the competition among banks has become increasingly fierce; On the other hand, with the development of Internet finance and the implementation of interest rate marketization, commercial banks rely on traditional business income such as deposit and loan spreads to bring less and less profit margins. Although the rent of offline bank branches has soared and the labor costs required for operation have become more and more pressurous, offline branches are the main places for people to absorb deposits, obtain income, and carry out publicity. are irreplaceable by online channels represented by Internet finance, and have their necessity of existence. When a commercial bank chooses a site, the factors that need to be considered are very complicated. Based on the theory of bank location, this paper enumerates the factors that affect bank location, and it is difficult to accurately describe them with mathematical models. The analytic hierarchy process (AHP) is used to analyze the influencing factors empirically, and finally a conclusion is drawn.
Commercial Banks, Site Selection Analysis, Hierarchical Analysis, Make a Decision
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