商业聚集程度是运用比较法估计不动产价格的重要变量，然商业聚集因缺乏客观依据而不易界定，以致估价结果易受质疑。由于银行设立分行的区位选择受竞相争取市场的影响，其聚集现象相当明显。本文运用特征价格回归模型，以台北市写字楼与住房的事务数据为目标，分析银行距离以及银行聚集程度对写字楼与住房价格的影响。实证结果显示，与银行距离越近，写字楼及住房等不动产的价格越高；银行聚集度高的区域，其不动产价格高于银行聚集度低的区域。故在某种程度上，银行的聚集程度能切实反映商业活动的热络与否，可视为商业聚集的客观替代指标之一。%The business aggregation is the important variable to estimate the real estate prices in compari-son approach .However, the lack of an objective basis and difficulty to define the business aggregation makes the valuation results doubted .The banks aggregation is fairly obvious while banks set up branches .This study adopted Hedonic price regression model to analyze the impact and the extent of the distance from the bank and the banks aggregation for offices and housing prices by the dataset of Taipei office and housing transaction da -ta.The empirical results demonstrate that the closer to the bank , the higher price of the office and house .In addition , the real estate prices in the area with high density of banks are greater than low density one .There-fore, to a certain extent , the degree of banks aggregation should be an appropriate factor to reflect the activities of business and to be one of the objective comparison variables .
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