中国银行退出网点的多尺度格局及其影响因素  

Multiscale Pattern and Factors Influencing Bank Outlets Withdrawn in China

作　　者：李楚海 林娟[1,2] 卢嘉新 伍世代[1,2] Li Chuhai;Lin Juan;Lu Jiaxin;Wu Shidai(School of Cultural Tourism and Public Administration,Fujian Normal University,Fuzhou 350117,China;The Higher Educational Key Laboratory for Smart Tourism of Fujian Province,Fujian Normal University,Fuzhou 350117,China;School of Tourism,Hainan University,Haikou 570228,China)

机构地区：[1]福建师范大学文化旅游与公共管理学院,福州350117 [2]福建师范大学智慧旅游福建省重点实验室,福州350117 [3]海南大学旅游学院,海口570228

出　　处：《热带地理》2023年第8期1501-1511,共11页Tropical Geography

基　　金：国家自然科学基金项目——淘宝村空间集聚、产业升级及其共同演化机制研究(41901146);国家自然科学基金项目——闽台资源环境承载能力与区域发展耦合机理及调控(41971261);国家社会科学基金重点项目——互联网赋能城市创新转型的经验和模型研究(19AZD007)。

摘　　要：运用地理空间分析方法和DBSCAN算法,探索2019―2021年银行退出网点在不同尺度上空间分布特征,并结合空间计量模型,探讨退出金融银行的影响因素。结果表明:1)五大银行和中小银行的银行网点大量退出,但退出数量呈减少趋势;农村金融银行则面临巨大的关停压力。2)银行退出网点的数量呈东中西递减规律,但银行退出网点在西部的地理集中度却高于东部和中部地区;同时,其主要集中在大型城市群,且集聚特征逐渐增强。从城市内部看,银行退出网点主要集中于资本、人口及技术等要素密集的区域,其聚类数量也呈东中西递减态势。3)移动互联网的发展加速了银行网点退出,主要表现在移动互联网普及率高,使用人群更多,即使具有良好的经营效益,银行网点的退出依然受市场外部因素的影响;劳动力经营成本和市场竞争也是银行网点退出的主要原因。In the context of bank failure,the internet and development trend of financial businesses have notably influenced the banking industry.However,existing literature shows that few studies have quantitatively examined these influences on bank outlets,and the outcomes of studies on the impact of internet on the offline operation of banks have not been authoritatively verified;therefore,further exploration is required.In this context,this study analyzed the withdrawal of offline bank outlets and spatial distribution of bank withdrawals from 2019-2021 using kernel density analysis,geographical concentration index,and DBSCAN clustering algorithm and identified the comprehensive factors influencing bank withdrawals by combining these analyses with a spatial econometric model.This study determined the influences of various factors on the operation of offline financial banks under the background of information development.According to the results:1)From 2019 to 2020,the withdrawn financial bank outlets revealed aggregated distribution overall,and the number of financial bank outlets that withdrew gradually declined from east to west;given the different conditions in terms of information network impact,different types of bank outlets reported various trends in these changes.2)The financial institutions that withdrew had some common characteristics from single-and intra-city perspectives.Regarding single cities,In the three regions classified by the level of economic development,large urban agglomerations are the centralized regions where banks withdraw branches,forming the center–edge structure with core cities as the center.From the intracity perspective,more financial banks withdrew in regions with intensive capital,dense population,and developed technology.3)In the context of mobile information,financial bank withdrawal was influenced by multiple factors.Overall,information environment exerts a strong influence.However,whether innovative ability is related to financial bank withdrawal remains unclear.In addition,the co

关 键 词：信息化 银行退出网点 地理集中度 ESDA 空间分异 驱动因素 中国 

分 类 号：F832.2[经济管理—金融学]