陕西省商业银行网点分布的时空演化及影响因素研究  

The Spatio-temporal Evolution and Influencing Factors of the Distribution of Commercial Banks in Shaanxi Province

作　　者：苏芳 刘航 常江波 尚海洋 SU Fang;LIU Hang;CHANG Jiangbo;SHANG Haiyang(School of Economics and Management,Shaanxi University of Science and Technology,Xi’an 710021,China;School of Management,Northwest University of Political Science and Law,Xi’an 710063,China)

机构地区：[1]陕西科技大学经济与管理学院,西安710021 [2]西北政法大学管理学院,西安710063

出　　处：《科技和产业》2022年第5期153-158,共6页Science Technology and Industry

基　　金：陕西省创新人才推进计划-科技创新团队项目(2021TD-35);陕西省哲学社会科学重大理论与现实问题重点研究项目子课题(2021ZD1024);陕西省社会科学基金“共同富裕问题研究”委托项目(2021WT08)。

摘　　要：基于中国银保监会公开披露的陕西省商业银行网点数据,通过空间自相关、多元线性回归等方法,从市级、县级层面分析2000、2010、2020年末商业银行网点分布在陕西省的时空演化特征及影响因素。结果表明:自2000年开始,陕西省商业银行网点分布呈现出显著的全局空间自相关;经过近20年的发展,逐渐呈现出以西安市为地区绝对核心,各地级市辖区为区域次中心的空间分布格局;地区人口规模、规模以上企业数量以及城区面积是影响商业银行网点布局的最显著因素。据此提出相关建议:商业银行应保持在地区中心设置网点;适当减少在人口规模较小、规模以上企业数量较少、城区面积较小的区域设置网点;商业银行应在服务实体经济的同时,找到不同时期内影响自身布局的关键因素,以应对市场化挑战。Based on the data of commercial bank outlets in Shaanxi Province disclosed by CBRC,the spatial and temporal evolution characteristics and influencing factors of the distribution of commercial bank outlets in Shaanxi Province at the end of 2000,2010 and 2020 were analyzed at the municipal and county levels by using spatial autocorrelation and multiple linear regression methods.The results show that:Since 2000,the distribution of commercial bank outlets in Shaanxi Province has presented a significant global spatial autocorrelation.After nearly 20 years of development,it has been gradually presented spatial distribution pattern with Xi’an City as the absolute core of the region and each prefecture level city as the regional sub-center.The population size,the number of enterprises above designated size and the urban area are the most significant factors affecting the distribution of commercial banks.Suggestions are put forward as follows:Commercial banks should keep setting up branches in regional centers.Appropriately reduce the number of outlets in areas with small population,small number of enterprises above designated size and small urban area.While serving the real economy,commercial banks should find the key factors affecting their own layout in different periods to cope with marketization challenges.

关 键 词：商业银行 网点分布 时空演化 影响因素 

分 类 号：F832.33[经济管理—金融学] F727