CAJ | 학술논문

利用ArcGIS提供的分析,探讨欠发达地区农村金融机构的空间可达性.结果显示：县域金融网点布局具有行政科层组织结构特点,五家大型商业银行集中布局县城所在地;中国农业银行是农村主要的大型商业银行,但存在缩减网点趋势;农村信用社布局分散;邮政储蓄银行均位于各乡镇镇区.三者相比,农村信用社的空间可达性最高,邮政储蓄银行次之,五家大型商业银行最低,此三类金融机构的空间覆盖均存在一定程度的薄弱区.开展中国农业银行与农村信用社的合作,发展农村保险业,将农户组织起来,在金融服务薄弱区设置农村信用社流动服务网点等措施可以促进农村金融机构和经济的发展.
이용ArcGIS제공적분석,탐토흠발체지구농촌금융궤구적공간가체성.결과현시：현역금융망점포국구유행정과층조직결구특점,오가대형상업은행집중포국현성소재지;중국농업은행시농촌주요적대형상업은행,단존재축감망점추세;농촌신용사포국분산;유정저축은행균위우각향진진구.삼자상비,농촌신용사적공간가체성최고,유정저축은행차지,오가대형상업은행최저,차삼류금융궤구적공간복개균존재일정정도적박약구.개전중국농업은행여농촌신용사적합작,발전농촌보험업,장농호조직기래,재금융복무박약구설치농촌신용사류동복무망점등조시가이촉진농촌금융궤구화경제적발전.
This paper probes into spatial accessibility for rural regular financial institutions in less-developed areas, using analysis tools provided by ArcGIS. The results show that the distribution of financial spots in counties has an obvious feature of administrative bureaucratic organization structure. The big five commercial banks coneen- Credit Cooperatives is best, the one of Chinese Postal Savings Bank is better, and the big five commercial banks is last. Some advices are provided to promote the development of financial institutions and rural economy, such as co- operating Agriculture Bank of China and Rural Credit Cooperative, developing rural insurance industry, organizing rural household, and setting up mobile servicing spots in week financial areas.