Research On The Network Structure Characteristics And Influencing Factors Of The Banking Industry In China's Three Major Urban Agglomerations

Based on the bank network distribution data of three major urban agglomerations(Beijing Tianjin Hebei,Yangtze River Delta and Pearl River Delta city agglomerations)in September 2019,this paper constructs the bank network matrix of three major urban agglomerations respectively with reference to the chain network model,and then studies the network structure characteristics and spatial distribution pattern of the banking industry of the three urban agglomerations by using the spatial visualization and social network analysis.After that,this paper uses QAP regression analysis to find the influencing factors of bank network in three urban agglomerations,and analyzes which indicators have a positive role in promoting the development of bank network.Finally,based on the research results,this paper puts forward corresponding policy suggestions,with a view to improving the bank network system of Urban Agglomerations and formulating bank regulation and control policies with regional characteristics to provide guidance for the construction of financial centers with regional characteristics.The main findings are as follows:(1)The bank network of Beijing Tianjin Hebei urban agglomeration presents a "dual core driven" network structure with Beijing and Tianjin as the core.There is no significant spatial autocorrelation in the overall spatial distribution of the network,and the policy factors of the bank network development of Beijing Tianjin Hebei urban agglomeration are obvious,and the radiation action of the network center city to the banking industry development of the surrounding cities is weak The network has high heterogeneity and unbalanced development.(2)The bank network of the Yangtze River Delta urban agglomeration shows the characteristics of network structure with Shanghai as the core and "one core and many wings".In addition to Shanghai being located in the absolute center of the network,there are also sub centers such as Hangzhou,Nanjing and Suzhou.Its bank network development is the most mature among the three urban agglomerations.The overall network connectivity is strong and the network structure is relatively stable.In addition,the Yangtze River Delta cities the overall distribution of the group bank network also shows a spatial imbalance pattern of strong in the East and weak in the West.(3)The bank network of the Pearl River Delta city cluster presents a "multi centralized" network structure with Guangzhou,Shenzhen and Foshan as the core and radiates to the surrounding cities.The bank network connectivity of the coastal cities in the south is higher than that in the north.In addition,there is a positive spatial correlation between the urban node centrality in the Pearl River Delta region,and the bank network central cities have a trend of spatial agglomeration,but the whole In terms of the bank network development of the Pearl River Delta urban agglomeration,it is the most balanced among the three urban agglomerations,with the highest network density,indicating that its overall network connectivity is better.(4)According to the analysis of the influencing factors of the bank network of the three urban agglomerations,we can see that the per capita GDP,population and foreign direct investment in Beijing Tianjin Hebei area have a significant positive impact on its bank network,which indicates that the higher the level of economic development,the denser the population and the more foreign investment,the more likely the city is to live in the network center,and the industrial structure index and the degree of connectivity of the bank network are obvious There is a significant positive correlation between GDP per capita,population,Internet broadband penetration rate,FDI and bank network connectivity in the Yangtze River Delta,which shows the economic scale,population scale,information level and The level of economic globalization has a significant positive impact on the city's position in the bank network,while the level of information technology,industrial structure index and geographical location have no significant impact on the network;the per capita GDP,population size and industrial structure index in the Pearl River Delta have a significant positive impact on the bank network of the Pearl River Delta urban agglomeration,and the factors of foreign direct investment and geographical location and the bank network The negative correlation of connectivity indicates that the closer the distance between cities,the higher the degree of Bank Association.Generally speaking,the influencing factors of bank network in the three urban agglomerations are different,but the two indicators of GDP per capita and resident population have always passed the significance test at the level of 1%,indicating that there is a positive correlation between the importance of a city in the bank network and its own economic scale and population scale.