金融后台服务空间外置与集聚研究

发布时间：2018-05-21 07:02

本文选题：金融后台业务 + 空间外置　；参考：《暨南大学》2014年博士论文

【摘要】：20世纪90年代以来，金融后台产业发展与集聚为班加罗尔带来的经济效应成为各发展中国家产业结构调整的榜样。在经济结构转型的发展战略影响下，我国各地纷纷投入资金建设产业园协力金融后台服务产业的发展。因而，对金融后台产业发展及集聚动因的探究将有利于我国金融产业组织结构的空间优化，并为我国各地区金融后台服务产业园建设提出指导性意见。本文选择金融后台业务的空间外置及集聚发展为主要研究对象，从动态变化及静态结果两个维度展开。金融后台业务从前台业务中分离，空间外置，而后形成产业集聚的动态演进过程属于动态发展，金融后台产业发展及集聚必然受到外部或内部条件的影响，因而，在动态演进过程中本文着重就动因进行理论解析；而金融后台产业集群则是金融产业结构及规模等发展演化的静态结果，本文采用实证及案例分析方法对我国金融后台产业集群进行探讨。自20世纪80年代以来，国际金融机构间的竞争日趋激烈，核心商务区的房租及人工成本也开始不断上涨，面对市场环境的变化金融机构不得不另辟蹊径借助内部业务流程的重构将重复性的标准化业务从前台分离。信息技术的完善为后台业务的分离提供了有力条件，对金融安全的考虑进一步催化了金融后台业务从前台区域的分离。面对经营压力剧增，更多金融机构将会选择将后台业务流程简化从前台分离选择空间外置。空间外置的金融后台业务在交易成本相对较低的区域形成新的产业集聚，一方面受到区位因素的影响，包括政府政策导向、经济发展及教育水平等，特别是在以政府推动为主导的产业集群中此类影响尤为突出，另一方面则是受到规模经济的影响，班加罗尔形成的信息技术产业集群是吸引离岸金融机构建设后台的重要原因。本文在选取建设金融后台服务外包示范基地的城市为样本，采用因子分析法对各地区后台产业集群绩效进行分析排序的检验中，，区域的一般竞争力及产业政策的权重值最大，对产业集群的形成与发展具有最大的影响作用。在对广东省后台服务产业集群内企业进行的问卷调研也印证了政府政府政策、劳动力资源、经营成本等因素是后台产业集聚的主要动因。
[Abstract]:Since 1990s, the economic effect of the development and agglomeration of the financial backstage industry has become a model for the adjustment of the industrial structure of the developing countries. Under the influence of the development strategy of the economic structure transformation, all parts of our country have invested capital to build the industrial park to develop the financial backstage service industry in Bangalore. Therefore, the financial backstage is in the background of the financial backstage. The exploration of industrial development and the motivation of agglomeration will be beneficial to the spatial optimization of the organizational structure of China's financial industry and provide guidance for the construction of the financial backstage service industrial parks in China.
In this paper, the development of space external and agglomeration of financial backstage business is selected as the main research object, from two dimensions of dynamic change and static result. The financial backstage business is separated from the front business, the space is outside, and then the dynamic evolution process of industrial agglomeration is dynamic development, and the development and agglomeration of the financial backstage industry is bound to be foreign. In the process of dynamic evolution, this paper focuses on the theoretical analysis of the motivation, and the financial backstage industry cluster is the static result of the development and evolution of the financial industry structure and scale. This paper uses empirical and case analysis methods to discuss the financial post industrial cluster in China.
Since 1980s, the competition among the international financial institutions has become increasingly fierce. The rent and labor costs of the core business area have also been rising. Facing the changes in the market environment, the financial institutions have to separate the standardized business from the front desk with the help of the reconstruction of the internal business process. The separation of business provides strong conditions. The consideration of financial security further catalyzes the separation of the financial backstage business from the front area. In the face of the surge in operating pressure, more financial institutions will choose to simplify the backstage business process from the front desk to separate the space outside. The financial backstage business in the outer space is relatively low in transaction costs. The new industrial agglomeration is formed in the region, on the one hand it is influenced by the location factors, including the government policy orientation, the economic development and the education level, especially in the industrial cluster driven by the government. On the other hand, it is affected by the scale economy and the information technology industry cluster formed by Bangalore. It is an important reason for attracting offshore financial institutions to build their backstage.
In this paper, in the selection of the city as a demonstration base for the construction of the financial backstage service outsourcing, the factor analysis method is used to test the performance of the backstage industrial clusters in various regions. The regional general competitiveness and the weight of the industrial policy are the most important. It has the greatest impact on the formation and development of industrial clusters. In Guangdong Province, it has the greatest impact on the formation and development of industrial clusters. The questionnaire survey of the enterprises in the backstage service industry cluster also confirms the government policy, the labor resources and the operating cost are the main reasons for the backstage industrial agglomeration.
【学位授予单位】：暨南大学
【学位级别】：博士
【学位授予年份】：2014
【分类号】：F832.2

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