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	Distribution orientation and driving mechanism of geographical pattern change of China's banking industry
	Chen D.; Fan J.
	2011
关键词	banking industry geographic pattern change distribution orientation driving mechanism China financial inclusion united-states low-income communities exclusion services britain credit
英文摘要	By analyzing the relationship among government, market driving forces, distribution orientation of banking industry, service opportunity equality and spatial patterns, this paper proposes that it is distribution orientation that lead to the formation and evolution of spatial pattern of banking industry. The difference of the distribution orientation leads to the separation of the spatial pattern of banking industry, and the change of the distribution orientation leads to the change of spatial pattern. The degree of spatial pattern change is subject to the degree of change of distribution orientation, and the scale of bank resources in the regions, which supports the distribution orientation variation. Based on these theoretical frameworks, some indicators were designed to analyze the pattern change of China's banking industry and its effects since 1995 under the change of the distribution orientation. This paper finds that the orientation of economic benefit maximization driven by market causes the banking industry to concentrate in economically developed regions. The government, which does not follow the orientation of economic benefit maximization, plays a role of stabilizer. Since the bank branches in the regions with the greatest change in bank branch distribution are too few, and regions with the greatest change in bank loan allocation are the regions with lots of loans, the pattern change of the banking industry in physical form is not as notable as that in economic form.
出处	Chinese Geographical Science
卷	21
期	5
页	563-574
收录类别	SCI
语种	英语
ISSN号	1002-0063
内容类型	SCI/SSCI论文
源URL	[http://ir.igsnrr.ac.cn/handle/311030/24262]
专题	地理科学与资源研究所_历年回溯文献
推荐引用方式 GB/T 7714	Chen D.,Fan J.. Distribution orientation and driving mechanism of geographical pattern change of China's banking industry. 2011.

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