城市群金融等别视角下的长三角金融资源流动研究——以城市商业银行异地扩张为例

金融资源在节点间无障碍流动不仅有利于金融资源更有效的利用,而且对于缓解地区金融资源的供需矛盾,推动地区经济发展意义重大。基于金融等别城市空间作用理论、以长三角城市商业银行异地扩张为例构建城市金融资源流动网络,借助社会网络分析工具和Dagum方法研究各等别城市2008-2014年金融资源的流动程度、流动路径选择和流动协调性问题。研究发现：① 地级市之间流动密度最大,随着时间增长较快,其次是县级市流往地级市,其他类城市间的流动密度相对较小;② 地级市之间的流动呈现“均匀扩散”特征,而地级市到县市之间的流动则存在“条件扩散”特征。省级边界影响最大,其次是城市间经济水平差距和金融发展水平差距;③ 县级市内部的金融资源流入差异程度最大,各市县城市内金融资源的流入存在“马太效应”的倾向。表明：长三角目前仅仅是地级中心城市之间存在一体化的趋势,中心城市对金融腹地的辐射作用不强,有待挖掘。因此,一方面,宏观层面的一体化政策要做到县市,另一方面,各县市自身（特别是落后县市）也要加大力度改善目前经济金融环境。

Financial resource flows in Yangtze River Delta from the perspective of financial gradation city in urban agglomerations: A case study of city commercial banks' expansion

The barrier-free flow of financial resources between nodes (regions) is beneficial not only to the efficient use of financial resources, but also to the conflict alleviation of financial resources' supply and demand between regions, as well as to the acceleration of regional economic development. Based on the theory of spatial interaction among financial gradation cities, the paper takes commercial banks' expansion in the Yangtze River Delta as an example, and constructs the mobile network of financial resources between cities. Using the social network analysis (SNA) and Dagum Gini coefficient decomposition method, the paper analyzes a series of problems such as the degree of the financial resources flow, flow path choice and flow coordination during the period 2008-2014. The conclusions can be drawn as follows. (1) The flow destiny between perfecture-level cities is the biggest, which grows rapidly as time goes, and that of the other sizes of cities is relatively small. (2) The flows of financial resources between perfecture-level cities are characterized by "balanced diffusion" while the "conditional diffusion" feature exists in the flow from the perfecture-level cities to the county-level cities. Flow barriers between provincial level holds the biggest effect, followed by the differences of economic and financial development level between the perfecture-level cities and county-level cities. (3) The difference of financial resources within county-level cities is the biggest and there exists the tendency of Matthew effect in counties. This shows that the Yangtze River Delta is nothing but the only trend of the integration between central cities. The radiation effect of central cities on financial heartland is not strong, which should be further strengthened. Thus, on the one hand, the integration policy at macro-level as "regional financial coordination policy" and "regional trust system construction" in the urban agglomeration of this region should cover the county level. On the other hand, various county-level cities (especially backward counties) should make more efforts to improve the current economic and financial environment, such as narrowing the gap between the cities and realizing the goal of "Planting Phoenix trees well to attract Phoenix", so as to enhance local economic development level.