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基于金融许可证数据库,本文以不同层级商业银行机构的地理密度和商业银行机构区位商代表商业银行机构地理布局指标,采用空间分析方法和空间杜宾模型对2003-2015年我国商业银行机构地理布局及其经济效应进行量化分析。结果表明,我国商业银行机构地理布局具有显著的空间相关性,且随着时间的推移,这种空间相关性呈现一定的波动性,但总体越来越明显;较高层级商业银行机构和较低层级商业银行机构地理布局对经济增长均有一定的促进作用,但商业银行机构区位集聚的整体溢出效应还有待强化。
Based on the financial license database, this paper, based on the geographical density of commercial banks at different levels and the geographic location of commercial banks on behalf of commercial banks, uses spatial analysis and spatial DUBIN model to analyze the geographical distribution of commercial banks in China from 2003 to 2015 And its economic effects of quantitative analysis. The results show that the geographical distribution of commercial banks in China has significant spatial correlation, and the spatial correlation shows a certain degree of volatility with the passage of time, but the overall trend is more and more obvious. Higher-level commercial banking institutions and lower The geographical distribution of tier-based commercial banks has some positive effects on economic growth, but the overall spillover effect of regional agglomerations of commercial banks needs to be strengthened.