Study On Spatial Distribution Of Rural Banks In Hebei Province

Since the reform of rural financial system in China has been carried out so far,rural banks in various regions have become an important part of grassroots financial institutions in China.The establishment and development of rural banks is not only the key to solve the problem of "financial restraint",but also an important measure to test the soundness of rural regional financial system.At present,rural banks have entered the stage of quality development from the stage of quantity growth based on incremental reform to the stage of quality development based on stock reform,which brings about unprecedented pressure of survival.With the development of digital finance and the strengthening of industry competition,the number of rural banks’ outlets has slowed down in recent years.Then,to curb the online construction of rural bank outlets and industry competition to solve the financing gap between farmers and small and micro enterprises?Has the network resource distribution formed by the current slowdown reached the optimal allocation?In order to solve the above problems,the paper studies the spatial distribution of financial resources based on the macro perspective of geographical space,so as to realize the optimal allocation of resources,improve the overall operation of rural banks,and provide reference for improving the competitiveness and sustainable development capacity of institutions.This paper takes rural banks in Hebei Province as the research object.Firstly,based on rural finance theory,regional development theory and spatial economics theory,it quantifies the spatial distribution of rural banks’ outlets,human resources and business strength by using GIS map analysis method,and finds the problems in the spatial distribution.Secondly,based on the total behavioral data of 110 rural banks established in 2020,and combined with the characteristics of financial resources,a quantitative index of spatial layout was constructed.Taking urban areas as the unit,the comprehensive score of spatial layout of the whole city and each city was measured by principal component analysis.The results show that:The spatial distribution score of rural banks in Hebei province is low and unbalanced,and the spatial heterogeneity of institutional outlets is the embodiment of the spatial distribution imbalance.The comprehensive score of spatial distribution of rural banks is low because of their low operational strength.Finally,with financial resources on the basis of the characteristics and quantitative score layout,this paper analyzes the reason of the space layout of the imbalance of financial resources in hebei province,from the digital development,institutional networks construction,promote four aspects of human resource management and management strength gives Suggestions on optimizing space layout,to promote the balanced layout of financial resources in the province and the rural pratt&whitney financial work smoothly.The innovation of this paper lies in that,first,the research content breaks through the limitation of network space distribution,and measures the spatial layout of rural banks in Hebei Province from three aspects of institutional network,human resources and business strength.Second,most studies on spatial layout focus on descriptive analysis,lacking the support of data analysis.The quantitative study on spatial layout of rural banks in this paper makes up for the lack of data and enriches the research methods on spatial distribution of financial resources.