中国商业银行网点空间演化路径——基于上市与非上市银行的比较分析

Spatial Evolution Path of China Commercial Bank Branches Based on Comparison of Listed and Unlisted Banks

在中国银行业市场化改革的背景下,银行上市逐渐成为银行成长的必由之路。上市实现了银行资产规模的增大、管理水平的提升以及经营风险的降低,同时也影响到银行新增网点的空间布局战略。文章引入演化经济地理的研究方法,基于产业关联的思想提出地方产业的金融关联程度和区域间投资流向的金融关联程度两个变量,以此构建银行网点空间演化路径的解释框架。通过比较上市银行与非上市银行的回归结果,解释和发现二者的基层网点和分行空间演化路径的影响因素及差异。研究表明,上市行为显著地改变银行网点空间演化路径的作用机制。

Under the background that the market-oriented reform of China*s banking industry, bank listing has gradually become the essential way to grow. The bank listing has realized the increase of bank assets, the improvement of management ability and the reduction of operational risks, which in turn affects the spatial evolution path of bank outlets. This paper creatively introduces the research method of evolutionary economic geography and proposes the interpretation framework of this paper based on the concept of industrial relationship which introduces two variables: the degree of financial relationship of local industry and the degree of financial relationship of inter-regional investment flows. By comparing the regression results of listed banks and unlisted banks, this article analyzes the influence factors and difference of their branches and sub-branches in spatial evolution path respectively. The research has found that the listed bank behavior significantly changed the mechanism of the spatial evolution path of bank outlets.