| Due to the different conditions of our provinces,the actual development situation is different,with China's regional economic integration policy to promote,and the financial industry in the process of economic development occupy an increasingly important position,China's inter-provincial financial development is not Coordination of China's financial inter-provincial coordinated development has brought a negative impact.Therefore,it is of great practical significance to study and analyze the influencing factors of inter-provincial financial development differences in China.The financial industry gradually over the diversification direction,the banking industry is more stable,the insurance industry and the securities industry in recent years,rapid development,especially the national policy support for the development of the insurance industry,and promote the rapid development of the insurance industry.Therefore,this paper to financial institutions at the end of the deposit and loan amount,IPO financing and premium net income and the ratio of GDP to measure the level of financial development.This paper analyzes the overall situation of the financial development level in our country and selects the corresponding indicators to measure the data from 2000 to 2015,and selects the corresponding indicators from the banking,securities and insurance industries.Analysis of the situation of China's financial development.In the banking sector,the financial development of the eastern region is very early,the eastern provinces of the banking industry is developing better,but the western region due to national policy tendencies,and gradually narrowed with the eastern gap;in the securities industry,the eastern region is rich in financial resources,The eastern part of the development level is higher;in the insurance industry,the eastern region is still ahead of the central and western regions,on the whole,is still the eastern provinces than the central and western financial development is better.In addition,this paper uses the coefficient of variation to analyze the inter-provincial financial development differences,and the introduction of gravity model from the perspective of space analysis of China's financial development center of gravity moving trajectory.At the end of this paper,the relevant data of 31 provinces in China from 2000 to 2015 are analyzed from eight aspects: economic development level,educational level,urbanization level,marketization level,government behavior,industrial structure,traffic situation and Internet development level.The use of spatial measurement model to analyze the regional financial development caused by differences in the main elements.By using the method of spatial measurement,it is found that the level of financial development in each region is affected by factors such as economic development level,educational level,urbanization process,marketization level,government behavior,industrial structure,traffic situation and Internet development level.Among them,the level of economic development,education,government behavior and industrial structure is the main factor affecting the level of inter-provincial financial development in China,and the impact of urbanization rate,marketization level and highway construction on financial development level.Industry development in the gradual weakening.The Internet coverage rate is only 10% of the significance test in the spatial measurement model,but the development of the "Internet + finance" model is one of the future trends of financial development and needs further study.On the basis of the research conclusion,the author puts forward some suggestions to raise the level of economic development,promote the policy of differentiated development,strengthen the construction of financial infrastructure,strengthen the training of talents,optimize the financial and ecological environment,build regional financial center and develop Internet finance. |
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