近年來由於銀行自動櫃員機(ATM: Automatic Teller Machine)的方便性導致ATM需求大幅增加，銀行因此必須投入可觀之設置與維護費用，然而卻缺乏有效的方式評估ATM設點位置與相關經濟效益。傳統的ATM設點多依據決策者之經驗與主觀需求，甚少考慮涉及複雜因素之空間選址問題，因此如何合理且有效地選取ATM設置據點以提高經濟效益，成為亟待解決之問題。
本研究目的在於提供高經濟效益之ATM設點建議，作為決策者參考。我們以地理資訊系統結合資料探勘技術，進行ATM設點分析。首先從ATM使用率，透過地理資訊系統技術結合空間與屬性資料。其次導入資料探勘技術分析影響ATM設點之因素，求取設置據點的綜合效益，取得影響因素與設置據點效益之關聯性並產生設點規則。最後將此規則應用於地理資訊系統圖層分析中，推論出設點建議。
我們以國內銀行實際ATM設點位置與其營業資料來展示我們的方法，實驗結果顯示我們可成功的分析影響ATM效益的主要因素，指出影響因素的明確距離及數量分佈，提供決策者分辨原始ATM是否該遷移或裁撤，同時亦能提供建議是否該於潛在客群分佈區域設立新據點。 / The convenience of the ATM banking facilities caused rapidly increasing in ATM demands during the past decades. The expenses for installation and maintenance of the ATMs are considerably high. However, there are no effective methods to evaluate the economic benefits on ATMs’ locations. Traditionally, the decision for ATM installation is based on policymaker’s experiences and subjective demands. The cost-effective issues and the spatial factors involved in location finding were seldom considered. Hence, develop a reasonable and effective mechanism to find the ATM locations that could improve economic efficiency become an important problem to be solved.
The purpose of this thesis is to provide suggestion on the cost-effective ATM installation locations to help the policymaker in making decisions. We combine the techniques in geographical information system (GIS) as well as data mining for the cost-effective ATM installation location analysis. Using the ATM utilization factors for various ATMs, we can associate the attribute data with the spatial provided by GIS. Then, we use data mining techniques to analyze the factors that could influence the cost-effective installation location of ATMs. From this information, we can summarize the association rules that have the most impacts to localize the ATM installation locations. Finally, using these association rules, we can reach conclusion on ATMs’ installation locations.
We use our local bank data to illustrate our idea. Experimental results show that we can successfully find the key factors that influence the cost-effective ATM installation locations. The range and the quantities of these events can be identified clearly, hence, making it possible to suggest whether an ATM should be removed or be relocated. Furthermore, we can suggest installing a new ATM at a particular location for potential customers or not.
| Identifer | oai:union.ndltd.org:CHENGCHI/G0969710201 |
| Creators | 吳珮華, Wu, Pei-Hua |
| Publisher | 國立政治大學 |
| Source Sets | National Chengchi University Libraries |
| Language | 中文 |
| Detected Language | English |
| Type | text |
| Rights | Copyright © nccu library on behalf of the copyright holders |
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