我国银行存款的时空格局及动态变化
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摘要
银行存款作为金融的重要组成部分,有着明显的时间和空间特征,反映出经济发展的区域差异、市场的大小、消费能力的强弱、产业可持续发展的能力等多个方面.基于我国2000-2013年330个城市的银行存款数据,运用基尼系数、重心分析、空间自相关分析和斜率分析等方法,对我国市级空间单元银行存款的时空格局及动态变化进行了综合分析.结果表明:(1)我国银行存款存在着较明显的区域差异,各地区的银行存款也都存在着一定程度的区域差异,且在整个研究时段内,全国及各地区银行存款的区域差异都呈现出不同程度的扩大趋势.(2)我国银行存款主要分布在东南方向,且表现出向西南方向移动的格局,在空间上的分布存在着较明显的地域分异规律.(3)我国银行存款在空间上的分布整体上呈现出相似类型集聚分布的特征,局部空间自相关分布也存在着较明显的空间集聚区,四大集聚区在空间上的分布相对较稳定.(4)我国银行存款的增长类型以低速增长为主,其次是中速增长,高速增长的空间单元最少,各地区银行款增长类型的构成差异性明显,高速增长主要集聚在长三角、京津冀、珠三角、长江中游、山东半岛和海峡西岸等6个城市群.
As an important part of financial,bank deposits have obvious characteristics of time and space,reflecting the regional difference of economic development,size of the market,consumption ability and industry sustainable development ability,and so on.Based on the bank deposit data of 330 Chinese cities from 2000-2013,and with the methods of Gini coefficient,center of gravity model,spatial autocorrelation analysis,and slop model,this paper analyses the spatial-temporal pattern and dynamic change of the bank deposit during 14 years.The results show that:(1)There is obvious regional difference of bank deposit in China as well as various regions in certain degree,and the difference presents enlarging trend in varying degrees for both the whole nation and different regions.(2)Our nations bank deposit mainly distributes in the southeast direction and shows the pattern of moving to the southwest,and there is obvious regional differentiation rule.(3)The spatial distribution of our nations bank deposit shows the aggregation characteristic of similar type,and the analysis of local spatial autocorrelation presents distinct spatial clusters and four big clusters distribution remained stable.(4)The growth type of our nations bank deposit is primarily low speed growth,then is the medium speed growth and space units of high speed growth type are less.The composition of bank deposit growth type for each region is obviously different and high speed growth regions are mainly concentrating at the urban agglomerations of Yangtze River Delta,Jing-Jin-Ji,Pearl River Delta,the middle reaches of the Yangtze River,Shandong Peninsula,and West Side of the Straits.
As an important part of financial,bank deposits have obvious characteristics of time and space,reflecting the regional difference of economic development,size of the market,consumption ability and industry sustainable development ability,and so on.Based on the bank deposit data of 330 Chinese cities from 2000-2013,and with the methods of Gini coefficient,center of gravity model,spatial autocorrelation analysis,and slop model,this paper analyses the spatial-temporal pattern and dynamic change of the bank deposit during 14 years.The results show that:(1)There is obvious regional difference of bank deposit in China as well as various regions in certain degree,and the difference presents enlarging trend in varying degrees for both the whole nation and different regions.(2)Our nations bank deposit mainly distributes in the southeast direction and shows the pattern of moving to the southwest,and there is obvious regional differentiation rule.(3)The spatial distribution of our nations bank deposit shows the aggregation characteristic of similar type,and the analysis of local spatial autocorrelation presents distinct spatial clusters and four big clusters distribution remained stable.(4)The growth type of our nations bank deposit is primarily low speed growth,then is the medium speed growth and space units of high speed growth type are less.The composition of bank deposit growth type for each region is obviously different and high speed growth regions are mainly concentrating at the urban agglomerations of Yangtze River Delta,Jing-Jin-Ji,Pearl River Delta,the middle reaches of the Yangtze River,Shandong Peninsula,and West Side of the Straits.
引文
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[22]刘辉,申玉铭,柳坤.中国城市群金融服务业发展水平及空间格局[J].地理学报,2013,68(2):186-198.LIU H,SHEN Y M,LIU K.The financial services industry development level and spatial pattern of urban agglomeration in China[J].Acta Geographica Sinica,2013,68(2):186-198.
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[27]李玮,薛德升.新世纪中国银行体制改革与地方银行机构网点的空间分布——兼与全国性商业银行的比较[J].热带地理,2013,33(4):420-428.LI W,XUE D S.Banking reform and location strategy of local banks in the new century—in comparison with national banks[J].Tropical Geography,2013,33(4):420-428.
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