金融集聚对区域金融资源分布的“马太效应”分析

Analysis of the “Matthew Effect” of Financial Agglomeration on Regional Financial Resources Distribution

金融资源是经济发展的核心动力,如果一个地区的金融资源匮乏则会导致其经济发展速度缓慢或甚至停止不前进。随着中国经济改革的加速前进,区域经济、社会发展不平衡越来越突出,"马太效应"使金融资源集聚在东部发达地区,而中西部欠发达地区较少。文章运用全国31个省、市、自治区1995-2015年的银行、保险、证券及实际利用外资数据,计算出各地区经济、金融发展相关指标,并分析了我国地区之间金融资源不平衡分布的现状、存在问题及原因。

Financial resources are the core driving force of economic development. If a region lacks fi-nancial resources, it will lead to slow economic growth or even stop progress. With the acceleration of Chi-nas economic reform, regional economic and social development imbalance is more and more prominent, “Matthew effect”to the financial resources gathered in the eastern developed region, while the central and western regions less. This paper uses the data of banking, insurance, securities and actual utilization of foreign capital in 31 provinces, municipalities and autonomous regions of China from 1995 to 2015 to com-pute the relevant indicators of economic and financial development in different regions. It also analyzes the distribution of regional financial resources imbalance Status quo, problems and causes.