欠发达地区农村金融机构的空间可达性分析——以河南省巩义市为例  

Analysis of Spatial Accessibility for the Rural Regular Financial Institution in Less-developed Areas:A Case of Financial Institutions in Gongyi City,Henan Province

作　　者：祝英丽[1,2] 李小建[1,2,3] 

机构地区：[1]河南大学黄河文明与可持续发展研究中心,河南开封475001 [2]河南大学环境与规划学院,河南开封475001 [3]河南财经学院可持续发展研究中心,郑州450002

出　　处：《地域研究与开发》2010年第3期46-51,共6页Areal Research and Development

基　　金：国家自然科学基金资助项目(40671048);教育部人文社科重点研究基地重大项目(2007JJD790124)

摘　　要：利用ArcGIS提供的分析,探讨欠发达地区农村金融机构的空间可达性。结果显示:县域金融网点布局具有行政科层组织结构特点,五家大型商业银行集中布局县城所在地;中国农业银行是农村主要的大型商业银行,但存在缩减网点趋势;农村信用社布局分散;邮政储蓄银行均位于各乡镇镇区。三者相比,农村信用社的空间可达性最高,邮政储蓄银行次之,五家大型商业银行最低,此三类金融机构的空间覆盖均存在一定程度的薄弱区。开展中国农业银行与农村信用社的合作,发展农村保险业,将农户组织起来,在金融服务薄弱区设置农村信用社流动服务网点等措施可以促进农村金融机构和经济的发展。This paper probes into spatial accessibility for rural regular financial institutions in less-developed areas, using analysis tools provided by ArcGIS. The results show that the distribution of financial spots in counties has an obvious feature of administrative bureaucratic organization structure. The big five commercial banks coneen- Credit Cooperatives is best, the one of Chinese Postal Savings Bank is better, and the big five commercial banks is last. Some advices are provided to promote the development of financial institutions and rural economy, such as co- operating Agriculture Bank of China and Rural Credit Cooperative, developing rural insurance industry, organizing rural household, and setting up mobile servicing spots in week financial areas.

关 键 词：农村 金融机构 空间可达性 巩义市 

分 类 号：F832[经济管理—金融学]