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پژوهش های جغرافیای انسانی، جلد ۴۵، شماره ۳، صفحات ۷۷-۹۴
عنوان فارسی ارزیابی مکان استقرار شعب بانک‌ها و مؤسسات مالی و اعتباری منطقه ۶ شهر تهران با استفاده از تکنیک DEMATEL و فرآیند تحلیل شبکه‎ای‎(ANP)
چکیده فارسی مقاله ارزیابی وضعیت استقرار مراکز مالی و تجاری، به ویژه بانک ها و مؤسسه های مالی و اعتباری، دربرابر سایر رقبا را می توان مهم ترین مسئله ی پیش روی بانک ها در راستای بازنگری مجد د درساختار شبکه ی بانکی آنها به منظور کاهش هزینه ها و افزایش بهر هوری دانست. این پژوهشبرای ارزیابی وضعیت استقرار (GIS) به دنبال ارائه ی مدلی در سامانه ی اطلاعات جغرافیاییبانک ها و مؤسسه های مالی و اعتباری است. برای رسیدن به این هدف ، پس از شناساییمعیار ها و عوامل مؤثّر اقتصادی با توجه به تأثیر گذاری و تأثیر پذیری معیارها از یکدیگر دردنیای واقعی، روش دیماتیل برای شناسایی این روابط مورد استفاده قرار گرفت و پس ازتکمیل پرسش نامه ی مقایسه ی زوجی از سوی کارشناسان، از مدل فرآیند تحلیل شبک ه ایبرای وزن دهی به آنها استفاده شد. از اوزان به دست آمده، بر اساس شعاع تأثیرگذاری (ANP)معیار ها برای مدل سازی فضایی و پهن هبندی منطقه از عملگر جمع جبری فازی استفاده شد. اینفرآیند در منطقه ی شش شهر تهران اجرا شد و از نتایج آن، وضعیت هر کدام از شعب بان کهاو مؤسسه های مالی و اعتباری به دست آمد. نتایج حاصل در قالب جداول برای مدیران وبرنامه ریزان این امر مهم اقتصادی، بیان کننده ی وضعیت کنونی هر کدام از شعب آنان در برابررقبای دیگر است تا در صورت لزوم، نسبت به اتخاذ تصمیم های بهینه برای سودآوری بیشترراهگشا باشد. بر اساس مشاهدات میدانی، مدل مورد نظر مورد ارزیابی قرار گرفت و از ضریببرای تعیین میزان همگونی میان نتایج به دست آمده در مدل و نتایج مشاهدات c تاو کندال0را نشان م یدهد که از رابطه ی قوی بین / استفاده شد. نتایج به دست آمده ضریبی برابر با 748دو متغیر حکایت می کند.
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عنوان انگلیسی Spatial Analysis of the Location of Banks, Financial and Credit Institutions in 6th District of Tehran by DEMATEL techniques and Analytic Network Process (ANP)
چکیده انگلیسی مقاله Extended AbstractIntroductionGrowth of banks, financial and credit institutes in the recent years, their competition for moreadvantages and also the subject of customer satisfaction made it essential to use scientificmethods for an optimized performance. An optimal decision, especially in site selection offinancial institution or services, plays an important role in successful achievement of the goalsand is also effective in customer attracting. A wrong site selection of the financial institution orservices will reduce the efficiency, increase the costs and may also cause the irreversible lossesin the competition with other institutions. Therefore, it is necessary to make an optimal decisionin site selection of the banks and financial and credit institutes to achieve the highest rates ofreturn rather than the costs of setting up in order to provide customer service, and establishingthe highest possible use of site capacity. For example, evidence shows that customer satisfactionhas a direct relationship with access to the ATMs. Thus, urban economic zoning to select thesuitable areas for such activity, and to evaluate the current performance and subsidiaries offuture potential, is very important for closing the branches and move them to the appropriatelocations. The most important aim of this study is to provide a model for economic zoning and siteselection of banks, financial and credit institutes and their services.MethodologyThis research has been executed in a development-application approach and employeddescriptive-analytical methods. According to the research objectives, the economic criteria inthe banking system have primarily been identified through a literature review (previousresearch) and also completed through expert opinions. Then, in a field survey the required datahave been collected to prepare the criteria for future analysis. DEMATEL1 techniques have beenused for identification of the internal relationships among the criteria. After completing thepairwise comparisons questionnaire, and obtaining the results by the experts based on Copelandmethod and by Analytical Network Process (ANP) model the weights has been determined foreach pair of the criteria. To determine the potential radius of influence for each criterion in agiven area, the model presented by Keyter has been used. Fuzzy membership function for eachof the indices have been calculated and then combined by Fuzzy Algebraic Sum operator. In thisresearch, MATLAB software has been applied to implement DEMATEL techniques. SuperDecision software has also been applied for calculation of analysis network process model, andArcGIS software for spatial modeling and zonation. Afterwards, the status of each branch of thebanks and the financial and credit institutes of the region was obtained by plugging it into themodel output in tables. Finally, the SPSS software was used to assess homogeneity of the resultsobtained from models and the results of field observations.Results and DiscussionThe first step in the site selection of the banks and the financial and credit institutes is todetermine the effective criteria, identify and prepare them by expert opinion taken fromliterature and previous evidence (Table 1). For identification of the relations between thecriteria, DEMATEL technique has been performed. The weights of criteria and sub criteria havebeen determined using the Analytic Network Process.Table1. The final weights for each of the following criteria and sub criteria using ANPTransport andDemand / consumption Municipal services and facilities TrafficEducational Traffic TransportTraffic Transport and cultural EducationalTransport and cultural Economic andcommercial0.257521 0.143788 0.040825 0.200450 0.143788 0.040825 0.200450 0.143788For Spatial Modeling and zonation of the area, we have determined fuzzy membershipfunction by the potential radius of influence of each criterion in the supposed area. They have  been calculated by in ArcGIS by the model presented by Keyter and then combined with eachother by Fuzzy Algebraic Sum operator.In order to assess economic features of the area and to evaluate the results of the study, thearea on the basis of standard deviation method was classified into 6 classes. Class 1 regarding tothe more radius of influence is the best economic class for establishment of the branches andafterward presentation of services and facilities. The other classes decrease from 1 to 6, orderly,in the importance of preferences. The results show that only 0.443 percent of the area is in class1, 6.306 percent in class 2 and proportion of classes 3, 4, 5 and 6 are 26.022, 34.142, 25.390 and7.696 percent, respectively. About the branches of the banks and the financial and creditinstitutes which in this study are just in classes 1-4 , the proportion of these branches in these 4classes is, respectively, equal to 8.01, 50.904,40.052 and 1.034 percent (31,197,155 and 4branches).For evaluating the results of the model, in each class of banks and the financial and creditinstitutes some branches were chosen randomly and have been observed using survey methods.The results of a qualitative field observation have been ranked in the range of numbers from 1 to4. The number 1 has been considered as the regional economy with high ability and 4 as theregional economy with low ability. The coefficient Kendall's tau-c in SPSS software was usedto determine the homogeneity among the results obtained in the model and observations results.The results reported the coefficient equal to 0.748 with Significance less than 5 percent thatindicates the strong relationship between two variables.ConclusionThis Classification is useful for managers of the banks and the financial and credit institutes andalso the planners to identify the area of economic-potential for the construction of new branchesand establishment of ATMs and also to identify the current status against other competitors forthe current and future planning. The results also can be very useful for closing the non-optimalbranches and reestablish them in the appropriate areas. This can also be utilized for allocation ofATM machines to each of the branches, according to their location and adjustment of ATMs innon-optimal branches to transfer them to other optimized branches. The results will provide theeconomic managers with a broad insight into the most important world economy positions.
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نویسندگان مقاله حسنعلی فرجی سبکبار | faraji sabokbar
دانشیار دانشکده ی جغرافیا، دانشگاه تهران
سازمان اصلی تایید شده: دانشگاه تهران (Tehran university)

سید کاظم علوی پناه | seyed kazem
استاد دانشکده ی جغرافیا، دانشگاه تهران
سازمان اصلی تایید شده: دانشگاه تهران (Tehran university)

محمد حسن نامی | mohammad hassan
دکترای جغرافیای سیاسی، دانشگاه آزاد اسلامی، واحد تهران مرکز
سازمان اصلی تایید شده: دانشگاه آزاد اسلامی تهران مرکز (Islamic azad university of tehran central)

غدیر عشورنژاد |
دانشجوی کارشناسی ارشد سنجش از دور و سیستم اطلاعات جغرافیایی، دانشکده ی جغرافیا، دانشگاه تهران
سازمان اصلی تایید شده: دانشگاه تهران (Tehran university)

نشانی اینترنتی http://jhgr.ut.ac.ir/article_35246_2e6f764706a0e4e2ef0b4ee25508df09.pdf
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