不同产业集群间的“融合”造就功能完备的经济带,而之间的“挤出”效应将形成特色区域经济圈。考察长江经济带在打造汽车产业集群时,能否依靠其与金融业集群间的融合作用,使得长江经济带具备完整的经济功能。研究发现:长江流域的银行业与保险业集聚固化已经出现了汽车产业集聚趋势;无论是否考虑长江流域内的区位差异,金融业集群对于汽车产业集聚都具有显著的包容能力。因此,在金融产业集群的融合作用下,长江经济带的汽车产业集群会逐渐发展成型。 The “integration” of different industrial clusters creates a fully functional economic belt, while the “crowding out” effect will form a distinctive regional economic circle. When examining whether the Yangtze River Economic Belt can build a cluster of automobile industries depends on its integration with the financial industry clusters, the Yangtze River Economic Belt can have complete economic functions. It is found that the agglomeration of banks and insurance industry in the Yangtze River Basin has taken place in the automobile industry. Whether or not the regional differences in the Yangtze River Basin are taken into account, the financial industry cluster has significant inclusiveness for the automobile industry agglomeration. Therefore, under the integration of financial industry clusters, the automobile industry clusters in the Yangtze River economic belt will gradually develop and shape.