乌鲁木齐市银行网点的空间布局及其影响因素分析

发布时间：2018-01-13 03:15

本文关键词：乌鲁木齐市银行网点的空间布局及其影响因素分析　出处：《新疆师范大学》2017年硕士论文　论文类型：学位论文

【摘要】：金融业是现代经济的核心产业,是未来经济发展的重要推动力。银行业是经营存款、放贷、汇兑、储蓄等金融业务的机构。银行业从属于金融业。乌鲁木齐市作为新疆的首府,随着“五大中心”战略的部署安排和推进,其金融业稳步快速发展,金融业增加值稳步上升,但乌鲁木齐市银行业和金融业之间发展不同步,银行业发展缓慢,跟不上金融业发展的步伐。银行业最基础的机构是银行网点,银行网点的数量及布局合理化也同样制约着银行业的发展。因此,本文以乌鲁木齐市为研究区域,通过分析乌鲁木齐市银行网点空间分布格局及其集聚特征,厘清其银行业的发展方向,为引导银行业科学、有序发展和功能优化提供依据基础。通过收集统计数据、银行官方网站数据和实地调查数据,运用平均最近邻距离分析、核密度分析、缓冲区分析、Ripley’s K(d)函数等方法分析出乌鲁木齐市银行网点的空间布局特征及其类别差异,总结其空间分布的模式,而且对中心城区银行网点的空间布局和各个城区的集聚情况展开分析。结合乌鲁木齐的全国性大型银行客户的访谈结果,揭示乌鲁木齐银行网点布局的影响因素并提出优化乌鲁木齐银行网点布局的优化建议。研究的结果如下方面:(1)乌鲁木齐市银行网点呈空间不平衡性布局,表现出强烈的空间集聚性。不同类型的银行网点的空间分布特征显著。全国性大型银行网点和区域性中小型银行网点的空间布局存在差异性。全国性大型银行网点分布更普遍,中心城区网点集聚,在外围地域网点也有零星分布。区域性中小型银行网点分布集中更强,大多数位于核心商圈内,外围区域基本无分布。各种类别银行网点的空间分布模式差异显著。全国性大型银行、全国性中小型银行、区域性中小型银行等三类银行网点均呈现出由中心到外围递减的空间模式,且北部比南部递减缓慢。农村信用社表现出均质的空间分布模式。外资银行(东亚银行)仅集中分布中心城区的核心商业区。(2)乌鲁木齐中心城区的银行网点呈现明显椭圆形圈层的向心性分布。中心城区银行网点空间分布呈倒“L”形变化趋向,距离约3.8km处集聚性最强。利用核密度分析,搜索半径设为3000米搜索出乌鲁木齐市银行网点热点区基本集中在中心城区,已形成了4个银行网点的集聚区(大小十字和大小西门商圈、友好商场商圈、铁路局商圈和红山商圈)。(3)通过全国性大型银行的客户访谈可知,大多数客户认为银行办理业务等候时间较长,手续费不合理,全国性大型银行投资理财产品存在较大的趋同性。另外,全国性大型银行网点呈现中心城区高度强烈的空间集聚,其他外围区域(如达坂城区、乌鲁木齐县)银行网点较少,客户办理业务排队时间较长。(4)银行网点选址和优化的建议就是以城市规划为指导,以客户为中心,挖掘客户需求,提供更多的优质性的金融服务。
[Abstract]:The financial industry is the core industry of the modern economy, is an important driving force for economic development in the future. The banking business is deposit, loan, exchange, savings and other financial services institutions. Banking industry belongs to the financial industry. The city of Urumqi as the capital of Xinjiang, with the "five centers" strategic arrangement and promote the financial industry the steady and rapid development, the financial added value increased steadily, but between the Urumqi banking and financial industry development is not synchronized, the banking industry development is slow, can not keep up the pace of development of the financial industry. The most basic banking institutions is the bank network, the development of the number and layout of bank branches also restricts the rationalization of the banking industry. Therefore, this paper takes Urumqi city as the study area, through the analysis of Urumqi city spatial distribution pattern and bank outlets agglomeration characteristics, clarify its development direction of the banking industry, to guide the banking Science The orderly development and function optimization, provide the basis basis. By collecting statistical data, bank official website data and field survey data, using the average nearest neighbor distance analysis, kernel density analysis, buffer analysis, Ripley s K (d) function method to analyze the spatial distribution characteristics of Urumqi city and the categories of bank outlets difference, summary the spatial distribution pattern and agglomeration spatial layout and each city of city center bank outlets are analyzed. Based on the results of the interview clients large national bank of Urumqi, Bank of Urumqi revealed influence factors of network layout and optimization suggestions are put forward to optimize the layout of the Urumqi bank outlets. The research results are as follows: (1) the banks of Urumqi was unbalanced in spatial layout, showed strong spatial agglomeration. The bank network of different types of space The distribution characteristics of spatial distribution is significant. The large national banks and regional small and medium-sized bank outlets are different. Large national bank outlets more generally, the Center City outlets in the periphery region agglomeration, dot is also scattered. In the small regional bank outlets concentrated more, most located in the central business district in the peripheral region no differences in distribution. Spatial distribution pattern of various types of bank outlets is significant. Large national banks, national small and medium banks, regional small and medium sized banks and other three kinds of bank outlets are showing a spatial pattern from the center to the periphery of the decline, and in the north than in the South pass slow slow. The rural credit cooperatives showed homogeneous distribution the spatial pattern of foreign banks (BEA). Only the core business district concentrated in the center of the city. (2) the center of Urumqi city bank branches showed elliptical sphere The concentric distribution center. The space city bank outlets inverted "L" shape change trend, a distance of about 3.8km. The strongest clustering analysis by using kernel density, search radius set to 3000 meters to search out the banks of Urumqi area basically concentrated in the city center, has formed 4 banking outlets (gathering area the size and size of cross Simon District, Friendship Shopping Mall Shopping District, Hongshan District Railway Bureau and the district). (3) the large national bank customer interviews show that the majority of customers that the bank to wait a long time, unreasonable fees, large national banks to invest in financial products there is a big convergence. In addition, the national large bank branches showed strong spatial agglomeration city center height, other peripheral regions (such as Daban Town, Urumqi county) bank outlets less customers queuing time. (4) silver The suggestion of site selection and optimization is to take the city planning as the guide, take the customer as the center, excavate the customer's needs, and provide more quality financial services.

【学位授予单位】：新疆师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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