摘要
基于ArcGIS软件和多元线性回归模型,分析中国银行业金融机构网点空间分布特征,探索其区位选择的影响因素,主要取得了如下几方面结论.(1)空间分布特征.大型商业银行、全国性股份制商业银行、城市商业银行和外资银行,倾向于分布在各大中心城市、区域性中心城市及城市群区域地市,对经济发展水平较低的地级单元排斥较为明显;邮政储蓄银行分布区域和个体特征明显;农村中小金融机构对各地级单元银行网点数量具有较强补充功能.(2)每万人拥有银行网点数较少的地级单元与集中连续贫困地区表现出很强的空间耦合关系,这些地区金融服务供给需加强.(3)影响因素.各类银行网点分布均与常住人口呈显著正相关,而受城镇化率的影响不显著.此外,城市建成区面积、第三产业比例和人均GDP对大型商业银行、全国性股份制商业银行和城市商业银行起到了正向影响;城市建成区面积和人均GDP对邮政储蓄银行起到正向影响,而第三产业比例则起到负向影响;建成区面积对农村中小金融机构起到正向影响,而进出口贸易总额则起到负向影响;进出口贸易正向影响外资银行.
ArcGIS and multiple linear regression were used to analyze the spatial distribution characteristics of the banking institutions in China and the factors affecting location selection.Research shows:Large commercial banks,national joint-stock commercial banks,city commercial banks,and foreign-funded banks tend to be distributed in major central cities,regional central cities,and urban agglomerations,exclusion is more obvious of cities with lower levels of economic development;The distribution of postal savings banks,regional and individual characteristics are obvious;Rural small and medium-sized financial institutions have a strong complementary function to the number of bank outlets in cities.The city with a small number of bank outlets per 10000 people has a strong spatial coupling relationship with concentrated poverty-stricken areas,and the supply of financial services in these areas needs to be strengthened.The distribution of various bank outlets is significantly positively correlated with the resident population,while the impact of urbanization rate is not significant.Large commercial banks,national joint-stock commercial banks and city commercial banks tend to be distributed in cities with large urban built-up areas,high proportion of tertiary industries,high per capita GDP,and large resident population,and the total number of bank outlets in these cities is also relatively large;Postal savings banks and rural small and medium-sized financial institutions are more widely distributed in cities with large permanent residents and large urban built-up areas,and the distribution of postal savings banks is also significantly positively correlated with per capita GDP and significantly negatively correlated with the proportion of tertiary industries.The distribution of small and medium-sized financial institutions in rural areas is significantly negatively correlated with the total volume of imports and exports;The distribution of foreign banks is most affected by import and export factors.
作者
张庆华
彭宝玉
秦冰
ZHANG Qinghua;PENG Baoyu;QIN Bing(College of Environment and Planning,Henan University,Henan Kaifeng475004,China;Research Center of Regional Development and Planning,Henan University,Henan Kaifeng475004,China)
出处
《河南大学学报（自然科学版）》
CAS
2020年第1期55-62,共8页
Journal of Henan University:Natural Science
基金
河南省高校科技创新团队支持计划项目(16IRTSTHN012).
关键词
银行业金融机构
网点分布
影响因素
地级单元
Banking financial institution
distribution of outlets
influencing factors
prefecture-level units
