The problem of bank queuing has existed for long time wherever our country or other countries whose
population density is high. However, this problem can’t be solved completely in short time. It is not
practical for the banks to increase the number of branch bank and servers in the banks merely. Wrong
decision of location selecting as well as redundant building of banks will of course bring huge loss to the
bank. Meanwhile, waste of related resources will lead to tremendous environmental problems. According
to the analysis, there are four main reasons leading to the existence of problem of bank queuing [1]:
Deficiency of power from the commercial banks. Because of the low interests of small service and the80/20 rule, the commercial banks lack of power for eliminating this problem. The existence of Switching
Cost Effect also makes the problem paid little attention. The level of management of our country’s banks
is low. Lacking of outside competition leads to improper classification of customers, lopsided business
process, improper staffing, etc. The custom of paying needs time to be changed completely. Return on
investment of ATM is relatively low. Therefore, we should not anchor our hope on the increasing of
branch bank, change of custom of paying, popularization of electronic bank to solve the problem of bank
queuing. Thus, we must focus on improving the queuing system of bank.
The problem of bank queuing has existed for long time wherever our country or other countries whose
population density is high. However, this problem can’t be solved completely in short time. It is not
practical for the banks to increase the number of branch bank and servers in the banks merely. Wrong
decision of location selecting as well as redundant building of banks will of course bring huge loss to the
bank. Meanwhile, waste of related resources will lead to tremendous environmental problems. According
to the analysis, there are four main reasons leading to the existence of problem of bank queuing [1]:
Deficiency of power from the commercial banks. Because of the low interests of small service and the80/20 rule, the commercial banks lack of power for eliminating this problem. The existence of Switching
Cost Effect also makes the problem paid little attention. The level of management of our country’s banks
is low. Lacking of outside competition leads to improper classification of customers, lopsided business
process, improper staffing, etc. The custom of paying needs time to be changed completely. Return on
investment of ATM is relatively low. Therefore, we should not anchor our hope on the increasing of
branch bank, change of custom of paying, popularization of electronic bank to solve the problem of bank
queuing. Thus, we must focus on improving the queuing system of bank.
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