（1．厦门大学经济学院;2．南开大学经济学院）
【摘要】本文首先通过理论剖析和文献总结探讨城市商业银行金融服务多样化与城市人口集聚之间的关系，之后使用中国60家城市商业银行2001-2010年数据，实证结果证实城市商业银行金融服务多样化对城市人口集聚起到正面作用；城市商业银行经营规模和绩效均促进城市人口集聚，同时本文验证了宏观经济发展和城市人口集聚具有正相关的关系。加入时间效应后的研究结果与基本模型一致，表外业务、非利息收入均对城市人口集聚产生正相关影响，但非利息收入对城市人口集聚的正相关影响只体现在：2005-2010年时间段；加入地区效应的研究发现：城市商业银行金融服务多样化对东部，西部城市人口集聚的促进作用明显，而且在西部的影响程度大于东部地区。
关键字：人口集聚 金融服务 多样化 城市商业银行 区域比较
中图分类号 F832.2 文献标识码A
Does Diversity of Financial Services in Chinese City Commercial Banks Influence on Agglomeration?
Abstract: According to theoretical analysis and literature conclusion, the paper firstly studies the relationship between the diversity of financial services in urban commercial banks and agglomeration. Then based on data of 60 city commercial banks in China during 2001~2010, the empirical results confirm that various city commercial banks and financial services have a positive impact on agglomeration; the operating scale and performance of city commercial banks can promote agglomeration. At the same time, the paper verifies that the macro-economic development and agglomeration have a positive correlation. Then we add time effect ,the findings is consistent with the basic model, off-balance sheet business and non-interest income are positively related to agglomeration, but positive effect of non-interest income only appeared in the periods of 2005~2010. Sub-regional study shows that: city commercial banks diversity of financial services have a positive impact on agglomeration in the east and west region of China, but the impact in the west region is greater than that in the eastern region.
Key words: Agglomeration; Financial Services; Diversity; City Commercial Banks; Regional Comparison
一、问题的提出
伴随着金融自由化和金融一体化趋势的不断加强，全球掀起了一场金融多样化的浪潮，以规避监管、满足客户需要、提高银行绩效。20世纪80年代中后期以来，我国城市商业银行也出现了金融服务多样化的经营趋势，城市商业银行金融服务多样化主要是城市商业银行在传统存贷款业务的基础上有条件地介入证券、保险、信托、租赁等领域，以提供多样化的金融产品或服务。城市商业银行金融服务多样化，不仅创造了新的利润增长点，取得快速的业务发展，也为实体经济部门与资本市场之间提供了更多的桥梁，因此研究城市商业银行金融服务多样化的影响成为理论界关注的热点问题。
