Abstract: Mathematical analysis has been introduced into the analysis and decision of commercial bank outlets, by which ten index of influencing factors are selected to establish the analysis of outlets distribution and decision-making model; Hengshui Branch of Chinese Construction Bank in Hebei is taken as a sample, in which the factor analysis and cluster analysis are employed for the research and analysis, therefore, a breakthrough has been achieved in the thought of commercial banks and approaches of analysis and decision-making. The research in the paper shows that the mathematical analysis can completely provide scientific data for the distribution of commercial bank outlets; the division will provide evidence for analysis and decision-making of commercial bank, such as marking factor, competitive factor, geography factor and economic factor, which has provided scientific methods and evidence for the optimized resource distribution of commercial banks.