山东省乡镇银行网点分布的格局机制研究

发布时间：2018-03-21 10:59

本文选题：乡镇　切入点：银行网点　出处：《山东大学》2017年硕士论文　论文类型：学位论文

【摘要】：从2004年开始,中央一号文件开始持续关注农业、农村和农民问题,并采取一系列改革措施,不断深化农村体制改革,以激活农村发展的活力,推动城乡协调发展。金融作为现代经济体系的核心,对农村经济起到融通资金、推进发展的重要作用。因此,农村金融体制和金融机构改革成为深化农村体制改革的重要内容。长期以来,为充分发挥金融支持农村经济发展的作用,农村金融体制经历了多次变革,具体体现在农村金融机构经历了新设、遍地开花再到改革精简的反复过程。但是仍未能改变农村金融市场薄弱、金融资源匮乏,对农村经济发展支持薄弱的现状。乡镇银行网点作为金融服务农村经济的主要渠道,其分布和发展情况反映了当地的经济状况和金融惠农支农的力度。本文以山东省乡镇银行网点分布格局机制为研究对象,综合运用数理统计和地理空间分析等相关知识。一方面,借助GIS可视化平台,对乡镇银行网点分布情况进行描述性统计分析,归纳其分布特征,并利用基尼系数测度其分布的均衡性,同时借助ArcGIS10.2进行相关空间分析。另一方面,定量与定性分析相结合,建立实证模型,探究影响乡镇间银行网点分布差异的影响因素。本文研究的数据来源于2012年山东省银行网点poi数据,其涵盖了银行网点分布、人口状况、道路状况、工商企业分布等属性,同时乡镇财政数据来源于山东省各乡镇财政直报数据。本文通过实证研究得出,乡镇财政、乡镇拥有工商企业数、人口密度、路网密度、地形起伏度等因素对乡镇银行网点的分布呈正相关影响;人口密度对乡镇银行网点分布呈负相关影响;距离最近县城最短时间对乡镇银行网点分布没有影响,主要原因可能是农村金融市场不够成熟,竞争因素对乡镇银行网点布局的影响较小,同时基层群众对金融服务的需求还停留在基础的存贷需求上,差别化的产品和优质服务,对基层群众影响较小。最后,对山东省乡镇银行网点分布格局机制的影响因素进行了进一步的概括和总结,并对后续研究提出展望。
[Abstract]:Since 2004, the No. 1 document of the Central Committee has continued to pay attention to the problems of agriculture, rural areas and farmers, and has adopted a series of reform measures to continuously deepen the reform of the rural system in order to activate the vitality of rural development. Promoting coordinated development between urban and rural areas. As the core of the modern economic system, finance plays an important role in financing rural economy and promoting development. The reform of the rural financial system and financial institutions has become an important part of deepening the reform of the rural system. For a long time, in order to give full play to the role of finance in supporting the development of the rural economy, the rural financial system has undergone many changes. It is embodied in the repeated process of setting up new rural financial institutions, blooming everywhere and streamlining reform. However, they have still failed to change the weak rural financial market and the lack of financial resources. The status quo of weak support for rural economic development. Township bank outlets are the main channels for financial services to rural economies. Its distribution and development reflect the local economic situation and the strength of financial benefits to agriculture. This paper takes the distribution pattern mechanism of rural banks in Shandong Province as the research object. On the one hand, with the help of GIS visualization platform, the distribution of township bank network is analyzed by descriptive statistics, and its distribution characteristics are summarized. Gini coefficient is used to measure the equilibrium of its distribution, and ArcGIS10.2 is used to analyze the spatial correlation. On the other hand, quantitative and qualitative analysis are combined to establish an empirical model. This paper explores the factors that affect the distribution of bank outlets between villages and towns. The data in this paper come from the poi data of bank outlets of Shandong Province in 2012, which cover the distribution of bank outlets, population status, road status, distribution of industrial and commercial enterprises, and so on. At the same time, the financial data of villages and towns come from the direct reporting data of villages and towns in Shandong Province. This paper, through empirical research, concludes that the number of township finance, the number of township owned businesses, the population density, the density of road network, Topographic fluctuation and other factors have a positive correlation with the distribution of township bank network; population density has a negative impact on the distribution of township bank network; the shortest time from the nearest county has no effect on the distribution of township bank network. The main reasons may be that the rural financial market is not mature enough, that the competitive factors have less influence on the distribution of township banks' outlets, and at the same time, that the demand for financial services by the grassroots people is still on the basis of the demand for deposits and loans, differentiated products and high-quality services. Finally, the influencing factors of the distribution pattern of township banks in Shandong province are summarized and summarized, and the prospect of further research is put forward.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.7

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