The Spatial Organization Evolution Of Rural Financial Services Supply In Large Commercial Banks

The spatial organization of economic activity is one of the core contents of economic geography,which industries and enterprises are the dominant force in the formation of regional internal spatial structure in regional spatial organization form,and affect the direction of flow of resources,thereby affecting the development of regional economy.After the market-oriented reform of China’s financial industry,the rural financial services are always short of supply.How to make the basic financial services to the common benefit of each and every area,is a problem placed in front China of rural finance,how to solve the last mile connection of financial products and services and financial consumers is an important problem in the development of large commercial banks in rural financial services.China has implemented inclusive financial strategy to promote inclusive finance,focusing on rural areas,the difficulties are also in rural areas.At present,under the concept of Inclusive Finance,the state strongly promotes and promotes large-scale commercial banks to extend and increase services to rural areas.How to effectively increase the supply of rural financial services and expand the coverage of rural financial services is the focus of promoting inclusive financial development in china.In this paper,the Agricultural Bank branch in underdeveloped area,impoverished county as an example,the analysis of large commercial banks in the supply of rural financial services spatial organization evolution characteristics and evolution of driving force;spatial organization innovation of large commercial banks to increase the supply of rural financial services.This paper is divided into five blocks: 1 the research background,significance,research methods and innovation;the 2 basic concepts and literature review;the evolution of 3 Agricultural Bank branch in Shangcai County,spatial organization,analysis of the Agricultural Bank of Shangcai County branch of spatial organization changes from three aspects of changes in organizational structure,service channels and physical network spatial distribution;influencing factors of evolution 4 of the supply of rural financial services space organization,analysis of the driving force of large commercial banks in the supply of rural financial services from the spatial organization evolution of institutional change,the progress of information technology,the demand of rural finance;the 5 conclusion and increase rural financial services supply countermeasures.The main conclusions are as follows:(1)the supply of rural financial services in large commercial banks from multi-level to flat and network.(2)service channels are gradually diversified,and service modes are diversified.(3)institutional change is the main driving force of the evolution of the spatial organization of large commercial banks.(4)information technology progress drives the supply channel and mode innovation of rural financial services.(5)the characteristics of rural financial demand determine that the supply of rural financial services needs the help of civil forces.