基于顧客價值的商業(yè)銀行網點選址模型研究.pdf

1、華中科技大學碩士學位論文基于顧客價值的商業(yè)銀行網點選址模型研究姓名：郭琪申請學位級別：碩士專業(yè)：企業(yè)管理指導教師：吳兆龍20090519華 中 科 技 大 學 碩 士 學 位 論 文 華 中 科 技 大 學 碩 士 學 位 論 文 Abstract Customer value creation is the key to success. Enterprises only strive to create a first-class

2、values for customer can survive in the extremely competitive market and obtain higher profits. Scholars studyed the customer value in-depth in the twentieth century,mainly in 90s. As China's financial sector opens up

3、 to the foreign capital, China's commercial banks are faced with increased competition. In order to gain greater competitive advantage,the bank should take creating superior customer value into account in all aspects

4、 of banking operations.The location problem is an important part of Banks operating. This article focuses on the specific components of the value of commercial bank customers, as well as considering enhance customer val

5、ue when allocating the bank site. In this paper,first of all,exploring the constituent elements of customer value of China's commercial banks from the perspective of empirical research ,which based on the research of

6、 commercial bank’s customer value theory and location model research from domestic and foreign scholar.Then regress the value of the constituent elements(dimensions) through regression analysis,obtain the constituti

7、onal model of customer value.Through the exploration of Customer value in this research,we find that:in the constitution of commercial banks customer value,the perception of time is more important than the perceived pric

8、e,the customer waiting time is even more important than the time to reach the bank site. Based on the model,we create a model can improve customer value through reducing customer's perception time. The model in this

9、 paper is a NP-Hard problem. There is no an extremly efficient solution for it, so a more effective heuristic algorithm for solving the model has been taking. To improve the algorithm convergence speed ,adding a local se

10、arching in the algorithm. Lastly, this article only gives a theoretical algorithm of the model, but there are no enough real datas to validate the model, so the results must be limitations.However,it provide a reference