计算机与现代化

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基于层次分析法的金融网点综合服务质量评价方法

  

  1. 1.广东省邮政信息技术局,广东广州510000;2.中山大学移动信息工程学院,广东珠海519000
  • 收稿日期:2015-03-10 出版日期:2015-09-21 发布日期:2015-09-24
  • 作者简介: 明邦祥(1962-),男,江西赣州人,广东省邮政信息技术局教授级高级工程师,研究方向:企业运营,数据分析; 滕毅(1986-),女,江西南昌人,工程师,博士,研究方向:计算机仿真,数值计算,数据挖掘; 张子臻(1985-),广东韶关人,中山大学移动信息工程学院讲师,博士,研究方向:人工智能。
  • 基金资助:
     广东省科技计划(2013B010401029)

 A Quality Evaluation Method for Banks Based on AHP

  1. 1. Guangdong Postal Information Technology Bureau, Guangzhou 510000, China;
     2. School of Mobile Information Engineering, Sun Yat-Sen University, Zhuhai 519000, China
  • Received:2015-03-10 Online:2015-09-21 Published:2015-09-24

摘要: 为了对代理金融网点的集中管控,本文拟在建立邮政代理金融网点的综合服务质量评价模型,以便对所有网点的服务质量进行统一评价。本文采用层次分析法对邮政代理金融网点综合服务质量进行系统建模。该模型主要分为3个步骤实施:1)根据业务部门对网点运营的质量要求以及影响网点运营的自身属性,建立网点服务质量评价指标体系;2)应用层次分析法,通过构建层次结构模型、构造判断矩阵计算指标权重;3)进行一致性检验,将验证后的权重系数和指标结合,推导出网点服务评价体系。该模型计算的3个网点结果与实际网点的运行情况(实点余额)以及管理部门对实际网点工作中的评价一致,说明该模型用于实际网点综合服务质量预测方面,结果真实、可靠,具有决策支持的作用。

关键词: 层次分析法, 服务质量评价模型, 指标体系, 判断矩阵

Abstract: In order to strengthen the provincial financial outlets proxy centralized control, a comprehensive service quality evaluation model is established to evaluate the quality of services for all the banks with uniform standard. This paper utilizes AHP method to establish the mathematical model, which includes three important steps. Firstly, establish the index evaluation system according to the provincial office management and controlling requirements and its own properties which affect its operation. Secondly, establish the hierarchical structure and the judgment matrix to calculate all the index weight. Thirdly, use the consistency checking method to verify the index weight and deduce the quality evaluation method for China postal savings banks. Lastly, this paper makes comparison between the outcomes of the model and the real operations of banks. The outcome of the models shows the consistent results with real situation for three banks, which indicates that the model used to predict the bank service quality is correct, reliable and can be used for decision support.

Key words: AHP, service quality evaluation model, index evaluation system, decision matrix