广东工业大学 生产运 课程设计 ATM机离行网点的选择.doc

摘要 自动柜员机(ATM)因操作简单，不受时间限制，方便存取现金等特点，能够提高银行工作效率，吸引客户，成为银行业不可或缺的基础设施。特别是我国加入WTO后，国内各大银行为了应对国外银行业的竞争，提高核心竞争力，均加快了自身转型，大力发展自助金融业务。但目前存在的问题是我国存在的ATM分布并不十分合理，有些区域ATM网点分布密度过大，存在资源浪费现象；而有些区域分布不足，甚至在有些区域是空白。这样就不能很好的为客户服务，如何科学、合理地设置银行ATM网点成为银行亟待解决的问题。 影响ATM选址的因素特别多，本文通过实地调查广州市天河区龙洞ATM样本网点的区位影响因素，采用主成分分析法筛选出了影响ATM选址的六大因素：常住人口数量，流动人口数量、公共服务设施数量，大中专院校数量和竞争行网点。 本文主要内容共分为五部分：首先，介绍了国内外ATM研究发展现状，存在的问题、研究的目的及意义以及结构安排。其次，概述了与ATM机项目选址相关工业区位论物流中心选址理论；再次，介绍了与ATM选址所用到的选址理论及模型。然后，确定了选址相关的区域需求总量模型、区域选择模型、位置选择模型，最后，用对选址进行模糊综合评价，并以广州市天河区龙洞为例，阐述了如何应用模型来确定新增的ATM机选址。 关键词：自动柜员机 (ATM)，离行网点，选址 Abstract ATM, short for automatic teller machine, is an indispensable infrastructure for banking industry. Using ATM, a bank can improve work efficiency to attract clients because of many advantages, such as operation simplicity, time unlimitation and transaction convenience. In order to advance core competence to cope with the competition from foreign banks, particularly after joining WTO, banks in China accelerate their own transformations and develop self-help financial business. However, the current problem is that the existing ATMs distribution is not reasonable. In some areas ATM sites are distribution density and result in resource waste. On the contrary, in some areas theyre insufficient distributed, even some are blank. Therefore, now its a problem to be solved to how to set up ATMs both scientifically and rationally. There are numbers of segments to influence ATMs location selection. In this article we used field survey to investigate the segments of the sample ATMs in Longdong, Tianhe District, Guangzhou. Then we used PCA (principal component analysis) to filter six main segments: number of permanent population, number of floating population, number of public service facility, number of university and moderate speciality school and competitors sites. This article includes five parts. Above all, we introduced present development situation of ATM researches at home and abroad, existing pro