1990年代中期以来中国银行业空间系统变化研究被引量：38

CHANGES OF CHINESE BANKING SPATIAL SYSTEM SINCE THE MIDDLE 1990S

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摘要金融空间系统变化包括金融服务地理变化和金融资产地理变化。以省级行政区为地域单元,利用HI、HH指数和区域银行网点、银行资产与经济总量的地理联系率,对1990年代中期以来中国银行业空间系统的变化进行了分析。发现东部地区国有商业银行网点份额显著上升,北京、上海在国有银行地理格局中的地位迅速提升,中部六省明显下降;网点空间分布模式由计划走向市场,越来越与区域经济发展格局一致;但历史形成的空间模式依然存在。银行资产地理变化较大,信用流动性增强,信贷、存款地理越来越与区域经济发展格局不一致;向北京、上海金融中心城市集中趋势显著,金融中心效应突出。银行业空间系统的变化提高了银行业的运营效率,但使不同区域的银行服务接近性和信用获得性存在较大差异,长期会加大区域发展差距。 This paper defines regional financial spatial system as a spatial structure which formed by various financial elements interaction in a region,the change of financial spatial system includes financial service geography change and financial asset geography change. Adopting HI Index, HHI Index, the geographical relation rate between regional banks related variables and regional GDP,the paper analyses Chinese banking spatial system changes since the middle 1990s. The analysis indicates state-owned commercial banks branch geography converged toward markets, but historical spatial pattern still affects the present. Banking asset geography changed greater than banking branches geography and credit liquidity grew; loan and deposit geography increasingly mismatched the regional economic pattern; Beijing and Shanghai, financial center centralization effect is notable. Banking spatial system changes improved banking operation efficiency, but these are great difference in banking service access and credit availability between different regions, which may reinforce regional development gap over the long term.

作者彭宝玉李小建

机构地区河南大学区域发展与规划研究中心河南财经学院资源与环境科学系

出处《经济地理》 CSSCI 北大核心 2009年第5期765-770,793,共7页 Economic Geography

基金国家自然科学基金项目(编号:40671048) 河南省教育厅自然科学研究资助计划项目(编号:2008A790005)联合资助

关键词银行业空间系统金融资产地理金融机构地理中国 banking spatial system financial capital geography financial service geography China

分类号 F832 [经济管理—金融学] F129.9 [经济管理—世界经济]

作者简介彭宝玉（1972-），女，河南邓州人，博士．副教授。主要研究方向为金融地理与区域发展。E—mail：pbyu@henu．edu．cn。

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