摘要
金融产业集聚作为现代经济发展的关键现象，对区域经济增长具有深远影响。本研究基于新经济地理学理论框架，以中国31个省份为样本，采用2005 - 2020年面板数据，运用空间计量经济学方法，深入探讨了金融产业集聚的空间分布特征及其对区域经济增长的影响机制。研究表明，金融产业集聚程度在东部沿海地区显著高于中西部地区，且呈现出明显的空间集聚特征。通过构建空间杜宾模型，发现金融产业集聚不仅直接促进本地经济增长，还通过溢出效应带动周边地区发展。进一步分析显示，金融产业集聚对区域经济增长的贡献主要体现在提高资源配置效率、增强创新能力以及优化产业结构三个方面。与现有研究相比，本文创新性地引入了空间异质性和动态演化视角，揭示了不同发展阶段地区的差异化影响路径。此外，研究还发现政府政策支持和基础设施建设在金融产业集聚过程中发挥着重要推动作用。本研究为理解中国区域经济发展不平衡提供了新的视角，并为制定针对性的区域金融发展战略提供了实证依据。
关键词：金融产业集聚；空间计量经济学；区域经济增长；溢出效应；资源配置效率
Abstract
Financial industry agglomeration, as a critical phenomenon in modern economic development, has profound implications for regional economic growth. This study, grounded in the theoretical fr amework of new economic geography, examines the spatial distribution characteristics and impact mechanisms of financial industry agglomeration on regional economic growth using panel data from 2005 to 2020 across 31 provinces in China. Employing spatial econometric methods, the research reveals that the degree of financial industry agglomeration is significantly higher in the eastern coastal regions compared to the central and western regions, exhibiting distinct spatial clustering features. By constructing a spatial Durbin model, it is found that financial industry agglomeration not only directly promotes local economic growth but also drives the development of surrounding areas through spillover effects. Further analysis indicates that the contribution of financial industry agglomeration to regional economic growth primarily manifests in enhancing resource allocation efficiency, strengthening innovation capabilities, and optimizing industrial structure. Compared with existing studies, this paper innovatively incorporates spatial heterogeneity and dynamic evolution perspectives, uncovering differentiated influence paths in regions at different stages of development. Additionally, the study finds that government policy support and infrastructure development play crucial roles in facilitating financial industry agglomeration. This research provides new insights into understanding regional economic disparities in China and offers empirical evidence for formulating targeted regional financial development strategies.
Keywords：Financial Industry Agglomeration; Spatial Econometrics; Regional Economic Growth; Spillover Effect; Resource Allocation Efficiency
目 录
摘要 I
Abstract II
一、绪论 1
(一) 研究背景与意义 1
(二) 国内外研究现状 1
(三) 研究方法与技术路线 2
二、金融产业集聚的形成机制 2
(一) 金融产业集聚的概念界定 2
(二) 区位因素对金融集聚的影响 3
(三) 政策环境与金融产业集聚 4
三、金融产业集聚的经济效应分析 4
(一) 金融产业集聚对就业的影响 4
(二) 对区域产业结构优化的作用 5
(三) 对地方财政收入的贡献 6
四、金融产业集聚与区域经济增长的关系 6
(一) 金融产业集聚的空间溢出效应 6
(二) 金融创新对经济增长的驱动 7
(三) 金融风险防范与经济增长稳定 8
结 论 10
参考文献 11
金融产业集聚作为现代经济发展的关键现象，对区域经济增长具有深远影响。本研究基于新经济地理学理论框架，以中国31个省份为样本，采用2005 - 2020年面板数据，运用空间计量经济学方法，深入探讨了金融产业集聚的空间分布特征及其对区域经济增长的影响机制。研究表明，金融产业集聚程度在东部沿海地区显著高于中西部地区，且呈现出明显的空间集聚特征。通过构建空间杜宾模型，发现金融产业集聚不仅直接促进本地经济增长，还通过溢出效应带动周边地区发展。进一步分析显示，金融产业集聚对区域经济增长的贡献主要体现在提高资源配置效率、增强创新能力以及优化产业结构三个方面。与现有研究相比，本文创新性地引入了空间异质性和动态演化视角，揭示了不同发展阶段地区的差异化影响路径。此外，研究还发现政府政策支持和基础设施建设在金融产业集聚过程中发挥着重要推动作用。本研究为理解中国区域经济发展不平衡提供了新的视角，并为制定针对性的区域金融发展战略提供了实证依据。
关键词：金融产业集聚；空间计量经济学；区域经济增长；溢出效应；资源配置效率
Abstract
Financial industry agglomeration, as a critical phenomenon in modern economic development, has profound implications for regional economic growth. This study, grounded in the theoretical fr amework of new economic geography, examines the spatial distribution characteristics and impact mechanisms of financial industry agglomeration on regional economic growth using panel data from 2005 to 2020 across 31 provinces in China. Employing spatial econometric methods, the research reveals that the degree of financial industry agglomeration is significantly higher in the eastern coastal regions compared to the central and western regions, exhibiting distinct spatial clustering features. By constructing a spatial Durbin model, it is found that financial industry agglomeration not only directly promotes local economic growth but also drives the development of surrounding areas through spillover effects. Further analysis indicates that the contribution of financial industry agglomeration to regional economic growth primarily manifests in enhancing resource allocation efficiency, strengthening innovation capabilities, and optimizing industrial structure. Compared with existing studies, this paper innovatively incorporates spatial heterogeneity and dynamic evolution perspectives, uncovering differentiated influence paths in regions at different stages of development. Additionally, the study finds that government policy support and infrastructure development play crucial roles in facilitating financial industry agglomeration. This research provides new insights into understanding regional economic disparities in China and offers empirical evidence for formulating targeted regional financial development strategies.
Keywords：Financial Industry Agglomeration; Spatial Econometrics; Regional Economic Growth; Spillover Effect; Resource Allocation Efficiency
目 录
摘要 I
Abstract II
一、绪论 1
(一) 研究背景与意义 1
(二) 国内外研究现状 1
(三) 研究方法与技术路线 2
二、金融产业集聚的形成机制 2
(一) 金融产业集聚的概念界定 2
(二) 区位因素对金融集聚的影响 3
(三) 政策环境与金融产业集聚 4
三、金融产业集聚的经济效应分析 4
(一) 金融产业集聚对就业的影响 4
(二) 对区域产业结构优化的作用 5
(三) 对地方财政收入的贡献 6
四、金融产业集聚与区域经济增长的关系 6
(一) 金融产业集聚的空间溢出效应 6
(二) 金融创新对经济增长的驱动 7
(三) 金融风险防范与经济增长稳定 8
结 论 10
参考文献 11
