| 摘要: |
| 金融业的一个重要特征是金融集聚。本文基于2010－2020年我国31个省的面板数据，通过计算全国金融业的莫兰指数来确定金融三大产业银行业、保险业和证券业集聚的空间依赖性，运用空间杜宾模型研究金融集聚对收入增长溢出效应的区域异质性。结果表明，银行业集聚对三大区域收入增长的空间溢出效应显著为正；保险业集聚存在对东部地区与中部地区正向的收入溢出效应，对西部地区的溢出效应显著为负；〖JP+1〗证券业集聚存在对东部与西部地区负向的收入溢出效应，对中部地区的溢出效应为正但不显著。因此，差异化的政策引导与区域间协调的金融资源配置对区域收入稳定增长意义重大。 |
| 关键词: 金融集聚；收入增长；空间杜宾模型；区域异质性 |
| DOI： |
| 分类号:F832.7；F124.1 |
| 基金项目:基金项目：国家自然科学基金项目“贫困地区农户社会网络资本对信贷可得性影响及作用机理研究”（71662023）。 |
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| Research on the Spillover Effect of Financial Agglomeration on Income Growth and Regional Heterogeneity |
|
XU Hui-xian,CHEN Jia,BEN Hong-ji
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（College of Finance,Inner Mongolia University of Finance and Economics）
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| Abstract: |
| An important feature of the financial industry is financial agglomeration.Based on the panel data of 31 provinces in China from 2010 to 2020,this paper determines the spatial dependence of the agglomeration of the three major financial industries:banking,insurance and securities by calculating the Moran index of the national financial industry,and uses the spatial Dobbin model to study the regional heterogeneity of the spillover effect of financial agglomeration on income growth.The results show that the spatial spillover effect of banking agglomeration on income growth in the three regions is significantly positive;Insurance industry agglomeration has a positive income spillover effect on the eastern and central regions,and a significant negative spillover effect on the western region;The agglomeration of securities industry has a negative income spillover effect on the eastern and western regions,and a positive but not significant spillover effect on the central region.Therefore,differentiated policy guidance and coordinated financial resource allocation among regions are of great significance to the stable growth of regional income. |
| Key words: Financial Agglomeration;Income Growth;Spatial Durbin Model;Regional Heterogeneity |
