银行业务地域特征和银行机构集聚  

On Locational Characteristics of Banking Business and the Clusters of Banks

作　　者：黄佳军[1] 余凌曲[2] 叶晓花[1] 

机构地区：[1]暨南大学经济学院,广东广州510632 [2]综合开发研究院(中国.深圳),广东深圳518029

出　　处：《开放导报》2011年第3期32-35,共4页China Opening Journal

摘　　要：由于交通成本和信息成本的存在,银行业务呈现出一定的地域特征。不同的地域特征使得各个地区适合集聚的银行业务也存在差异。地方政府应该根据经济发展水平、金融业务资源禀赋、地理环境和金融生态环境等因素的实际情况,选择合适的政策措施,促进银行业务和银行机构的集聚。Banking businesses present certain regional characteristics due to information costs and transportation costs.In accordance with the regional characteristics,banking businesses can be divided into three categories.Because of the different regional characteristics,Bank agglomeration behavior present bigger difference,different areas suit different banking businesses to be gathered.Thus,Local government should select the appropriate policy measures to promote banking and banking institutions gathering base on their level of economic development,financial services resource endowments,geographical factors and financial ecological environment.

关 键 词：交通成本 信息成本 地域特征 银行集聚 

分 类 号：F832.2[经济管理—金融学]