A Research On Songzi Distribution Optimization Based On Space Accessiblity Analysis

With the deepening of the reform of the financial system and growing of competition in the domestic financial industry more and more, not only should the state-owned commercial Banks reform the old system to its development restriction, but it should constantly adjust itself to face the challenges of other domestic financial institutions and international financial market. In accordance with centralization management requirements and the profit maximization principles of commercial finance institutions, financial business gradually focus on urban superior customer and developed regions, leading the websites of financial institutions in underdeveloped areas such as villages to reduce greatly, financial development to appear serious financial repression, the development situation of rural finance already cannot satisfy the rural economic development level, and produce a series of questions about regional development. So, reasonably allocate the financial resources in space, promote the development of rural financial services, and solve problems between urban and rural finance, has become the problem of building well-off society in an all-around way and realizing the rapidly coordinated developing process of urban and rural economic.Firstly, from the perspective of theory and practice, this study tries to understand how to answer the building problem of financial website distribution from theory. Through introduction and comments on the basic theory of emerging cross-disciplinary-the financial geography, it provides theoretical basis for rural financial website spatial distribution, from the point of view of financial exclusion and spatial analysis of financial geography. Meanwhile, it provides some reference ideas for optimization distribution of rural financial services, through introduction and comments on the theory and various research methods of financial website distribution.Secondly, from the perspective of real evidences, through empirical investigation analysis and discussion of Songzi City, it tries to use spatial analysis function of ArcGIS software to calculate the spatial distance between the farmer location and financial websites, and analyze the coverage condition of financial websites.It intuitively reveals the spatial distribution of bank websites, and the distance between farmers and bank websites, in order to find some rules to guide the construction of China rural financial service system.Finally, from the perspective of reality, it tries to optimize China rural financial service system. Through the analyse on the current distribution of various types of rural financial institutions, it discusses the main problems they face, to propose improved and optimized recommendation.