合肥城区银行机构空间布局及优化研究

发布时间：2018-03-25 05:07

本文选题：商业银行　切入点：空间分布形态　出处：《安徽农业大学》2014年硕士论文

【摘要】：区域性金融中心集聚大量金融机构,其信息通常、设施先进,能够提供高效金融服务。由于大量金融资本、人力资源和其它生产要素向区域性金融中心的集中,该区域及周边地区的社会经济将得到快速发展。2010年初,国务院将安徽沿江城市带承接产业转移示范区建设纳入国家发展战略,皖江城市带作为促进中西部地区崛起战略的重点开发区域。合肥市经济总量占安徽省经济比重不断上升,对安徽地区乃至中西部地区实现经济快速发展的重要地位不断强化。鉴于北京、上海作为国家金融中心城市对地区经济建设的重要影响,安徽省积极推动合肥市作为国家次金融中心的建设。论文主要基于合肥市中心城区二环以内区域的商业银行机构矢量化空间分布数据,对整体商业银行机构进行多种实证方法进行系统分析。主要研究不同类别商业银行机构的空间分布形态及其特征,分析银行机构空间分布驱动机理,以充实相关研究成果。结合合肥市中心城区建设规划,提出优化研究系统区内银行机构空间布局建议。具体研究结论：(1)研究系统区内,国有商业银行空间分布集聚程度最高,股份制商业银行较为集聚,区域性商业银行空间分布是随机的。交通可达性对商业银行机构的空间分布影响显著。整体商业银行机构空间分布方向性显著,整体具有向东北和西南两个方向扩张的趋势。银行机构空间分布中心要素均位于核心城区省委附近。缓冲区圈层分析表明,整体商业银行机构空间分布呈中心集聚态势,以国有商业银行中心集聚特征最为显著,股份制商业银行其次,区域性商业银行没有显著的中心集聚特征。缓冲区扇形分析表明,银行机构空间分布具有显著的方向性。核密度分析结果表明,整体商业银行机构空间分布呈多点集聚态势,国有商业银行分布表现为“大分散、大聚集’模式的中心区多点聚集格局,股份制商业银行则表现为“大分散、小聚集”模式,区域性商业银行聚集不明显,且核密度等级较低,属于“大分散、不聚集”模式。(2)商业银行机构空间分布驰动机理表明,建设用地扩展蔓延趋势、交通可达性、经济活动对商业银行机构空间分布形态的影响重大。从借助银行机构空间布局优化来促进金融产业布局优化的角度而言,应从三个方面着手：一是强化老城区银行机构集聚效果。二是构建副核心金融操作区,缓解老城区金融服务的压力、降低合肥市中心城区南部地区及西部地区获取金融服务的交通成本。三构建多层次银行机构空间分布体系。通过政府规划作用,加速银行机构向重点建设公共服务区的变迁,满足居民消费结构升级的新形势对银行服务的需求。借助副核心金融操作区及新站区银行机构集聚区满足工业化升级对银行服务的需求。
[Abstract]:Regional financial centres gather a large number of financial institutions whose information is usually advanced and capable of providing efficient financial services. Due to the concentration of large amounts of financial capital, human resources and other factors of production into regional financial centres, The social and economic development of the region and its surrounding areas will be rapid. In early 2010, the State Council has incorporated the construction of industrial transfer demonstration zones along the Yangtze River in Anhui Province into the national development strategy. As a key development area of the strategy to promote the rise of the central and western regions, the urban belt in Anhui Province is the focus of development. The total economic volume of Hefei City accounts for an increasing proportion of the economy in Anhui Province. The important position of realizing rapid economic development in Anhui and even the central and western regions has been continuously strengthened. In view of the important impact of Beijing and Shanghai as the national financial center on regional economic construction, Anhui Province actively promotes the construction of Hefei as a national sub-financial center. This paper is mainly based on the vectorized spatial distribution data of commercial banking institutions in the second ring area of downtown Hefei. This paper makes a systematic analysis of various empirical methods for the whole commercial banking institutions. It mainly studies the spatial distribution patterns and characteristics of different types of commercial banking institutions, and analyzes the driving mechanism of the spatial distribution of banking institutions. In order to enrich the relevant research results, combined with the construction planning of Hefei city center, the paper puts forward some suggestions for optimizing the spatial layout of banking institutions in the research system area. The concrete research conclusion is that the state-owned commercial banks have the highest degree of spatial distribution and agglomeration in the research system area. The spatial distribution of regional commercial banks is random. Traffic accessibility has a significant impact on the spatial distribution of commercial banking institutions. The central elements of the spatial distribution of banking institutions are located near the provincial party committee of the core urban area. The analysis of the buffer zone layer shows that the spatial distribution of the whole commercial banking institutions shows a central agglomeration trend. The central agglomeration of state-owned commercial banks is the most obvious, the joint-stock commercial banks is the second, and the regional commercial banks have no obvious central-agglomeration characteristics. The sector analysis of buffer zone shows that, The results of nuclear density analysis show that the spatial distribution of the whole commercial bank is multi-point agglomeration, and the distribution of state-owned commercial bank is "large dispersion". The pattern of multi-point aggregation in the central area of the "large aggregation" model, the "large dispersion, small aggregation" pattern of joint-stock commercial banks, the low nuclear density of regional commercial banks is not obvious and belongs to "large dispersion". The mechanism of spatial distribution of commercial banks shows that the expansion and spread trend of construction land, the accessibility of traffic, The influence of economic activities on the spatial distribution of commercial banking institutions is significant. From the perspective of optimizing the spatial distribution of banking institutions to promote the optimization of the layout of financial industry, We should start from three aspects: one is to strengthen the agglomeration effect of banking institutions in old urban area, the other is to construct sub-core financial operation area to relieve the pressure of financial service in old urban area. To reduce the transportation costs of obtaining financial services in the southern and western areas of downtown Hefei. Thirdly, to construct a multi-level distribution system of banking institutions. Through the role of government planning, the transition of banking institutions to key public service areas can be accelerated. To meet the needs of banking services in the new situation of consumer structure upgrading, and to meet the demand for banking services in industrial upgrading with the help of sub-core financial operation areas and banking agglomeration areas of new stations.
【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.3

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