A Study On The Patterns Of The Distribution Of Township Banks In Shandong Province

Since 2004.the central document began to pay attention to the problems about Agriculture,Rural areas and Peasantry.Chinese government has adopted a series of reform measures to deepen the reform of the rural system,activate the vitality of rural development and promote the coordinated development of urban and rural areas.As the core of the modern economic system,finance plays an important role in financing the rural economy and promoting the development of the rural economy.Therefore,the rural financial system and financial institutions reform has become an important part of rural reform.For a long time,in order to give full play financial support to the rural economic development,the rural financial system has undergone many reforms,embodied in the number of rural financial institutions experienced from more to less.But it failed to change the rural financial market in China is weak,rural financial outlets shrinking,a serious shortage of financial resources,restricting the development of rural economy.Township bank outlets as a direct form of rural finance,its distribution and development reflects the local economic situation and the degree of supporting the rural economic development.This paper takes the distribution mechanism of township bank distribution in Shandong province as the research object,and the related knowledge such as mathematical statistics and geospatial analysis are used.On the one hand,with the help of GIS visualization platform,describe the distribution of township bank outlets,and do the relevant analysis.On the other hand,establishing the empirical model to explore the impact of differences between the township network distribution factors.The data of this paper are derived from the poi data of Shandong Province in 2012.It covers the distribution of bank outlets,population,road conditions and distribution of industrial and commercial enterprises.At the same time,the township financial data are derived from the data of the townships in Shandong Province.It is concluded that the factors such as the township revenue,number of industrial and commercial enterprises,the population density,the road network density and the relief amplitude have a positive correlation with the distribution of township bank outlets.Population density has a negative correlation effect on the distribution of township bank outlets.The shortest time to reach the nearest county town has no effect on the distribution of township banks.The main reason may be that the rural financial market is not mature enough.The competitive factors have little effect on the layout of the township bank,and the demand for financial services remains at the basic needs.Finally,the article summarizes the influencing factors of the distribution mechanism of the township bank network in Shandong province,and puts forward the prospect of the next research.