DEA-BCC 모형을 이용한 은행점포 효율성 분석

층별 입지를 중심으로

The purpose of this study is to draw a location strategy for each floor of the branches by comparing the efficiency of the branches according to the location of each floor. An analysis of the branches efficiency of the three Gangnam districts (Gangnam, Seocho, and Songpa) through the DEA-BCC model shows that there are significant differences in efficiency among branches. The results of the input-oriented BCC model showed that the average efficiency of 398 branches located in Gangnam-gu was 0.3088, indicating the distribution of the standard deviation of 0.1232. The efficiency of branches classified by floor was shown in the order of 2nd floor > Other floor > 1st floor > 1st & 2nd floor. In order to measure the impact of this, the multi-regression analysis confirmed that the characteristics of 2nd floor and Other floor are having a positive effect on the efficiency of the bank branches and that the 1 and 2 has a negative effect on the 1st floor on the efficiency of the bank s branches. Through this study, we demonstrated that the characteristics of the bank s branches, which used to be located on the first floor, have changed, and we were able to identify differences in branches efficiency depending on the location characteristics of each floor.