CAJ | 학술논문

由于交通成本和信息成本的存在,银行业务呈现出一定的地域特征。不同的地域特征使得各个地区适合集聚的银行业务也存在差异。地方政府应该根据经济发展水平、金融业务资源禀赋、地理环境和金融生态环境等因素的实际情况,选择合适的政策措施,促进银行业务和银行机构的集聚。
유우교통성본화신식성본적존재,은행업무정현출일정적지역특정。불동적지역특정사득각개지구괄합집취적은행업무야존재차이。지방정부응해근거경제발전수평、금융업무자원품부、지리배경화금융생태배경등인소적실제정황,선택합괄적정책조시,촉진은행업무화은행궤구적집취。
Banking businesses present certain regional characteristics due to information costs and transportation costs.In accordance with the regional characteristics,banking businesses can be divided into three categories.Because of the different regional characteristics,Bank agglomeration behavior present bigger difference,different areas suit different banking businesses to be gathered.Thus,Local government should select the appropriate policy measures to promote banking and banking institutions gathering base on their level of economic development,financial services resource endowments,geographical factors and financial ecological environment.