Analysis On The Spatial Distribution And Influencing Factors Of Bank Outlets In Urumqi

Financial industry is the core industry of modern economy,and also an important driving force for economic development in the future.The banking sector is an institution that deals with financial services such as deposits,loans,remittances and savings.Urumqi city as the capital of Xinjiang,promotes the steady and rapid development of the financial industry under the "five centers" strategic arrangement and.the financial industry increased value steadily.However,the banking and financial industry development is not synchronized in Urumqi city.The development of banking industry is slow,and cannot keep up the pace of development of the financial industry.The most basis institution of banking industry is bank outlets.The number and layout rationalization of bank outlets also restrict the development of the banking industry.Therefore,taking Urumqi city as the study area,this dissertation analyzes spatial distribution pattern of bank outlets and their agglomeration characteristics in Urumqi city.Thus,the results of study can clarify the development direction of the banking industry,providing references for scientific and orderly function optimization in the development of the banking industry.According to the collection of statistical data,the official bank website and field survey data,using the average nearest neighbor distance,kernel density analysis,buffer analysis,Ripley’s K(d)function and other methods,this dissertation firstly analyzes spatial distribution and their categories differences of the bank outlets,and then summarizes the spatial distribution pattern,and investigates the center city,agglomeration and formation mechanism.Finally,this dissertation reveals the influencing factors of spatial distribution of bank outlets via the interviews to the customers of national large banks in Urumqi city,and puts forward some suggestions in optimizing the layout of bank outlets.The results of the research are as follows:(1)The spatial distribution of bank outlets showed a strong spatial imbalance and agglomeration in Urumqi city.The spatial distribution characteristics of different types of bank outlets are significant.There are differences in the spatial distribution of the national large,regional small and medium-sized bank outlets.The distribution of national large banks outlets is more common.The center cities are agglomerative,while the peripheral cities are scattered.The distributions of regional small and medium-sized bank outlets are more concentrated.Most of them are located in the core commercial circle,and the peripheral area are basically not distributed.Thespatial distribution patterns of different types of bank outlets are significantly different.National large,national small and medium-sized,and regional small and medium banks outlets gradually decrease from center to peripheral in spatial patterns,and also decreasing more slowly in the north than in the South.The rural credit cooperatives showed homogeneous spatial distribution pattern,whereas the foreign banks(Bank of East Asia)are only located in the core business district of the center cities.(2)The bank outlets of center city in Urumqi show the centrality distribution of oval spheres.Spatial distributions of bank outlets present change trend of inverted "L" shape.the most gathering distance is about 3.8 km.According to kernel density analysis,the search radius is set as 3000 meters to search out the hot bank outlets in Urumqi city.The results show bank outlets have formed four concentrated areas(the size of the cross and the size of the west gate,friendship shopping malls,Railway Bureau District and Hongshan district).(3)According to customer interviews of national large bank outlets,most customers think the banking business needs to wait for a long time,and that the handling charge is unreasonable.National large-scale investment bank is the convergence of wealth management products.In addition,the national large bank outlets are highly strong spatial agglomeration,and except that other peripheral areas of bank outlets(such as Daban city and Urumqi county)are less.The customers for business will wait for a long time in line.(4)The recommendation on choice and optimization of bank outlets should depend on urban planning,customer demand,and provided financial services.