| The development of county-level economy plays a crucial role in solving the "three rural" problems.As an important support for county-level economy,county-level finance provides comprehensive and multi-channel financial support for economic development.However,overall,China’s county-level finance has weak support ability for county-level economy and cannot serve as the "source of vitality" for the development of the real economy and the transformation and upgrading of industrial structure.Yunnan Province is located on the southwestern border of China,and the backward development of county-level economy hinders the overall economic improvement of Yunnan.There is a significant gap between county-level financial services and provinces with higher economic levels,so it is urgent to solve the problem of county-level financial service backwardness.In the process of financial services supporting rural revitalization,the credit allocation structure of financial institutions in Yunnan Province has been continuously optimized,and positive results have been achieved in key areas and weak links of "agriculture,rural areas,and farmers" development.As the main force of credit lending,the banking system’s reasonable distribution of institutional branches promotes the scale and coverage of agricultural loans.According to the first and second laws of geography,all things are related to other things in space,and things near are more related than things far away;Simultaneously studying the external phenomena of the area of concern can affect what happens internally.In the analysis of this article,the distribution of county-level bank branches based on geographical location should also comply with these two laws,that is,there is mutual influence between the distribution of county-level bank branches,and factors such as external financial activities between counties can also affect their layout.Therefore,this article will analyze the spatial effects of the layout of different types of bank branches in the county,explore the distribution of each type of bank from a spatial perspective,provide suggestions for the development of each type of bank branch,and provide new ideas for solving the problem of financial exclusion in the county.This article uses literature research,statistical analysis,empirical analysis,and comparative analysis to analyze the current development status of county level and county level banking industry in Yunnan Province.The analysis object is bank network data from 129 counties in Yunnan Province from 2010 to 2020.Geo Da software is used to empirically study the overall and local spatial correlation of various types of bank network layouts in Yunnan Province using spatial autocorrelation analysis,Select relevant indicators of economic,demographic,and environmental factors in various counties of Yunnan Province in 2020 to examine whether regional factors will affect the spatial effect of the layout of county bank outlets.In the empirical analysis of spatial autocorrelation,it was found through global spatial autocorrelation analysis that there was a spatial correlation between the layout of all sample bank branches and the layout of various types of bank branches from2010 to 2020,that is,the bank branches showed a clustered distribution as a whole,and the bank network settings between counties had mutual influence in space.Through local spatial autocorrelation analysis,it was found that the layout of all sample banks and various types of bank outlets showed a weak local correlation.The gathering areas of rural credit cooperatives’ bank outlets were mainly non municipal areas,which reflected financial fairness in both the overall and local spatial autocorrelation analysis.In spatial regression analysis,it was found that the development of county-level economic factors,population factors,and environmental factors can attract the entry of bank branches.Population density,population growth,and concentration of regional capital liquidity all increase the possibility of setting up county-level bank branches.In addition,the expansion of commercial activities has promoted the expansion of large-scale state-owned banks,and high income levels of farmers and moderate government control have created conditions for the development of joint-stock banks.Based on the above research,this article proposes five countermeasures and suggestions.Firstly,to expand the scale of bank branches in economically strong counties and surrounding counties,we should focus on expanding the scale of bank branches in economically strong counties,fully utilize the scale effect of bank branches,expand the supply of financial services,and attract social elites to gather in economically strong counties and surrounding counties;Secondly,banks should set different development directions in different gathering areas.In the H-H type gathering area,various types of banks should focus on improving their own service quality,and in the H-L and L-H type gathering areas,they should pay attention to balancing development between regions.In the L-L type area,they should consider using information technology to reduce financial exclusion and focus on developing online services;Thirdly,the regional factors of county level development attract financial institutions to settle in.County level governments can fully utilize their own resources in urban planning,plan major projects that can be implemented such as commercial districts,industries,and tourist towns.County level governments should strengthen control over the county level financial market and create a safe credit environment;Fourthly,build a financial information database containing financial data from 129 counties in Yunnan Province,and identify the reasons that hinder the financial development of each county by establishing an effective information platform;Fifthly,counties should take the initiative to prevent financial risks,while ensuring the security of county financial development and ensuring regional capital liquidity. |
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