은행점포의 경영성과에 영향을 미치는 요인

• 영문명: Key Factors Influencing Business Performance of Bank Branches
• 발행기관: 한국부동산학회
• 저자명: 구찬림(Koo Chan Lim) 정준호(Jeong Jun Ho) 방경식(Bang Kyung Sik)
• 간행물 정보: 『부동산학보』不動産學報 第61輯, 94~107쪽, 전체 13쪽
• 주제분류: 경제경영 > 경제학
• 파일형태: PDF
• 발행일자: 2015.05.25

국문 초록

은행점포의 경영성과에 영향을 미치는 내부 요인은 직원 수, 고객당 총여수신, 인터넷금융 이용자 수, 점포의 연수, 자동화기기 수 순으로 정(＋)의 영향이 있었다. 점포의 1층 입지여부, 지점장의 근무연수, 점포면적 크기, 점포의 소유여부 등은 영향이 없었다. 외부 요인은 당해지역 거주자의 평균소득, 사업체 수, 거주인 수가 정(＋)의 영향을 미쳤다. 당해 지역 경쟁 금융기관 수와 용도지역(상업지, 주거지, 주상혼합지, 특수지역)은 부(－)영향을 미쳤다. 이러한 결과는 거점 중심의 영업환경이 네트웍 중심의 영업환경으로 변하고 있다는 것을 시사한다. 이러한 점을 감안하여 국내 은행들의 효율적인 점포입지 전략을 다음과 같이 제안한다. 첫째, 지역 특성과 고객의 거래 유형을 분석하여 일반점포, 복합점포, 기업특화점포, 컨설팅특화점포 등을 구별하여 당해 지역에 적합하게 입지시켜야 한다. 둘째, 지역 용도별로 점포의 생산성을 분석하여 점포 운영 전략을 추진해야 한다. 셋째, 불필요한 점포 환경개선을 지양하여 비용을 줄이고 경쟁력 있는 상품을 개발하여 금융컨설팅으로 Wealth Management 전략을 특화해야 한다.

영문 초록

1. CONTENTS (1) RESEARCH OBJECTIVES The objective of research is to how the traditional location factor, the career of the branch manager and the layout of the branch, etc. affect the business performance of a branch in the internet financial environment imbued with the IT technology, and analyze the degree of influence on business performance for different location types that are crucial in terms of marketing of business performance strategies, including residential district, commercial district, multi-use district, and special district. (2) RESEARCH METHOD The method used in this study is the multiple regression model using Eviews7, a statistics package. Estimation was made with OLS-White, to control the heteroskedasticity frequently found in cross sectional data. (3) RESEARCH FINDINGS As for significant internal factors that influence business performance, the number of employees, the total amount provided/received per customer, the number of internet banking users, the branch history and the number of automatic machines were positively correlated with business performance, in that order. Whether a branch is located on the 1st floor, the years of service of the branch manager, the size of a branch, whether the branch space is owned by the branch, etc. were not significant. Positive external factors that influence business performance were the average income of residents, the number of business entities and the number of residents. Lastly, the number of competing financial institutions and the use district (special district, residential district, multi-use district, commercial district) were negatively correlated. 2. RESULTS As for the internal factors, business performance of a branch was positively influenced when the branch had more employees, received/provided more amount of money per customer, had a higher number of internet finance users, had a longer history, and a higher number of automatic machines. Positive external factors influencing business performance were the average income of residents, the number of business entities and the number of residents. Lastly, the number of competing financial institutions per branch and the factor of branch location (special district, residential district, multi-use district, commercial district) were negatively correlated with business performance. For each 1% change of the independent variance, the business profit showed positive/negative change of β%. The dummy variables had positive/negative influence of β%, compared with the other variables.

목차

ABSTRACT

국문초록

Ⅰ. 서론

Ⅱ. 이론 고찰

Ⅲ. 실증분석

Ⅵ. 분석 결과 및 해석

Ⅴ. 결어

參考文獻

키워드

은행점포 입지유형 경영성과 지점장 인터넷금융 bank branch location type business performance branch manager internet banking