Finance is the cornerstone of stable modern economy。October 2023，General Secretary Xi Jinping first proposed the goal of "accelerating the construction of a financial power" at the Central Financial Work Conference，Emphasize the continuous deepening of financial supply -side structural reforms，Construct a modern financial system with Chinese characteristics。Driven by this goal，You need to fully understand the space characteristics of the current financial elements gathering in my country，Based on this, consider the improvement path of the financial supply geographical structure。Financial supply geographical structure refers to the distribution and supply structure of financial resources in a certain geographical space，It will have a profound effect on the efficiency of credit resource allocation in various economic activities with the flow of financial resources and alternatives。

In recent years，The credit financial market led by the banking industry is gradually reconstruction，Since the introduction of bank market access and other policies in 2006，The pace of expansion of bank branches accelerated significantly in different regions across the country。Financial gathering promoted Bet365 app download by the change of geographical structure of financial supply，Not only expands the channels for acquiring financial resources and the sinking of financial services，also accelerated the competition between banks，The support efficiency of the support of financial resources on the development of the real economy。So，How to improve the geographical structure of regional financial supply，It is an active choice that continues to optimize the efficiency of regional financial resource allocation，It is an inevitable requirement for current prevention and response to financial risks at home and abroad，It is also a key support for giving play to the advantages of gathering economic advantages to promote the construction of a strong financial country。

As of the end of 2022，There are more than 200,000 commercial bank branches in my country，2000-2022，The average number of outlets in the county financial institution increased by 128.57%。In addition，China (Shenzhen) Comprehensive Development Research Institute's 14th "China Financial Center" index report display，The total value -added of the financial industry with 36 financial centers with the provincial capital city and municipality as the main body reached 5.69 trillion yuan，accounting for 62.4%of the country's total。At the micro level，The average value of the data of bank branches within 5 kilometers around the listed company is an example，The average sample value of the municipality and the cities of the Bet365 lotto review provincial capital is 77，The average value of other cities is only 26，Provides further factual evidence for the resource agglomeration effect of the financial center。Due to China's financial industry restrictions and regional administrative barriers，Credit resources and convenience of credit resources of social and economic subjects such as enterprises and residents depend on the geographical structure of financial supply，This will also affect its decision -making behavior such as investment and consumption。

But，At this stage, there are still some factors that restrict my country's financial industry to play the advantages and structural optimization。Look from the supply side，Innovative power of the supply capacity and service provision of financial institutions，Too much dependence on the traditional financial business model。In addition，With the evolution and rise of my country's urban agglomeration，The geographical structure of financial supply is also constantly reshaping，The space gathering features of financial resources have been moved from "west to east、Gathering towards developed areas "transformed into" diffuse to surrounding cities with central cities as the core of agglomeration "，greatly improved the requirements of financial institutions for financial elements and remote services。Look from the demand side，On the one hand，Enterprise as a micro -subject as Bet365 app download a national economy，A large number of small and medium -sized enterprises have begun to migrate from central cities to surrounding cities or even stay away from the financial center，formed the "Financial Elements Gathering to the Central City，and the "geographical dilemma" of the company's move to the surrounding "，This is easier to induce financial mismatch problems。On the other hand，At present, the economic environment at home and abroad is high，The income of the people is expected to be reduced、Consumption and investment weak，Plus the high cost of the city cities，Insufficient investment and consumption demand for residents and enterprises for credit resources，It is difficult to give full play to the gathering advantage of financial resources。So，To promote the optimization of the agglomeration and structure of my country's financial industry，Continue to promote the construction of a strong financial country，Should work from the following two aspects。

First，Optimize the geographical structure of regional financial supply，Improve the market -oriented reform system of the financial department。Based on strengthening financial supervision and preventing the real economy from "finance"，Properly relax the supervision of the expansion of small and medium -sized financial institutions with prospects and provide certain support，Rich and competitive、Multi -layered、Wide -covered China financial supply structure system，Market integration reform to bet365 live casino games promote financial elements to promote the reasonable allocation of financial resources。But，When the gathering advantage of pushing the spatial distribution of financial institutions，The financial regulatory authorities should also be alert to low -efficiency issues caused by some financial institutions to set up，That is, the coverage and penetration rate of regional financial institutions should be scientifically arranged to release the greatest benefit of the agglomeration economy，Avoid the negative effects caused by excessive expansion as much as possible，"Improvement increase" for promoting the supply of financial resources。In addition，It is also necessary to actively play the role of financial institutions such as banks，For different characteristics companies、Different industries and regions adopt targeted and forward -looking financial assistance policies，Reduce financial mismatch to optimize the configuration structure of credit resources。

2，Increase the intensity of fintech innovation，Promoting the application of fintech in financial supply，Building the green and digital application ecology of credit resources，Improve the inclusiveness and convenience of financial services。In the process of promoting the space gathering of financial institutions，Actively guide banks and other financial institutions to regulate the business guide and industry technical standards of green finance bet365 Play online games and fintech，Digital reforms supplying the supply side of the financial department provide more financing solutions for small and medium -sized enterprises。On the one hand，State -owned large financial institutions should improve the sinking and penetration of financial services to county -level regions，Gives more autonomous decision -making rights to grass -roots financial institutions under the premise of ensuring control risks，Use fintech to timely、High -quality touch more "soft information" of long -distance borrowers to play a long tail effect，Improve the efficiency of the financial loan approval process。On the other hand，Encourage small and medium -sized financial institutions to give full play to the flexibility of organizational levels、Credit technology strong adaptability、Comparison advantages of high innovation sensitivity，Start a benign competition with large financial institutions on the credit demand side。So，Make full use of fintech to effectively reduce information asymmetry in the process of credit review，Improving the digital and intelligent development level of comprehensive financial services，Meet the credit needs of small and medium -sized enterprises and residents，It is an important driving force to promote high -quality economic development。

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(The author is a professor at the Guangdong -Hong Kong -Macao Greater Bay Area Research Institute of Guangdong University of Foreign Studies)