摘 要
金融是现代经济运行的“血液”，发挥着对经济“肌体”的“供血”功能。
金融服务业一直在社会经济产业体系当中扮演者重要的角色，在经济发展中发挥
着重要的支撑和推动作用。金融要素的流动性和获利性，将促进金融要素向最适
合金融业发展的领域流动，并逐步形成一种集聚，通过行使和传播金融集聚的效
果，为经济发展提供有力支持。现阶段我国大部分省市都在提升对于金融集聚的
重视程度，目的是以金融服务业水平的提升与完善为手段，将本省市建立成为区
域金融中心，通过推进金融集聚水平提高的方式来进一步促进地区的经济增长。
而内蒙古自治区作为我国发展较为落后的地区之一，大力鼓励该地区金融业的集
聚，并且以此促进地区经济的平稳快速增长，对我国各地区协调发展和经济整体
的提质增效具有重要的意义。
本文通过对内蒙古自治区 12个盟市的经济数据进行分析，研究金融集聚对
内蒙古地区经济增长的影响程度，并且深入分析其在内蒙古各盟市的差异性。首
先，本文在针对分析方法选择方面，使用了定性与定量相结合的的方式，对内蒙
古整体以及各盟市的金融业具体情况进行了研究，并通过因子分析法对内蒙古各
盟市的金融集聚水平进行测度，探讨内蒙古 12个盟市金融业发展的异质性；其
次，以产业集聚、金融发展和金融地理学理论为基础，对各盟市的金融集聚水平
和经济增长的空间相关性通过全局莫兰指数和局部莫兰指数进行了分析；最后，
选取内蒙地区 12个盟市 2004至 2018年的相关数据，构建空间杜宾模型，对金
融集聚水平对地区经济增长的影响进行实证分析。并且对集聚效应和溢出效应分
别进行了分析，以此得出金融集聚水平对于各地区的经济增长存在差异性。
通过分析得出如下结论：首先，内蒙古自治区的金融业的整体发展呈现出稳
中向好的态势，但是现阶段依然与我国的平均水平存在一定的差距，并且各盟市
之间也有金融集聚水平不均衡的情况存在；第二，金融集聚水平和经济增长在空
间上呈现出中部高东部和西部低的态势，呼包鄂地区金融集聚水平较高，其他地
区金融集聚水平较低且对经济未形成良好的促进作用；第三，金融集聚水平对内
蒙古各盟市的经济增长起到正向推动作用，但是溢出效应不明显，金融集聚水平
较高的地区对于其他盟市难以形成带动效应。
关键词：金融集聚；经济增长；因子分析；空间杜宾模型；空间溢出效应

ABSTRACT
Finance is the "blood" of modern economic operation, and it plays a "blood
supply" function to the economic "body". As an important part of the social and
economic domain system, the financial service industry has an irreplaceable support
and promotion effect on economic development. Financial elements have liquidity and
profitability, which will promote the flow of financial elements to the advantageous
areas more suitable for the development of financial industry and gradually form
agglomeration. Regions agglomeration provide driving force for economic
development by financial agglomeration effects and diffusion effects. Up till now, most
provinces and cities in China are pursuing financial agglomeration strategy, aiming to
build themselves into a regional financial center by the way of optimization and
upgrading of the financial service industry, and to promote economic development
through the development of financial industry agglomeration. As one of the less
developed regions in China, Inner Mongolia supports native agglomeration of the
financial industry to promotes the growth of the regional economy, which is essential
for achieving high-quality economic development, comprehensive and coordinated
development in China.
This paper takes 12 cities in Inner Mongolia as the research object, analyzes the
degree of financial agglomeration's influence on the regional economic growth of Inner
Mongolia, and deeply analyzes the financial agglomeration's differences among the
different cities in Inner Mongolia. First of all, this paper chooses a combination of
qualitative and quantitative analysis to analyze the current development of the financial
industry in Inner Mongolia. Article choose the factor analysis method to measure the
degree of financial agglomeration of the cities in Inner Mongolia, explore the
heterogeneity of financial industry development in 12 cities of Inner Mongolia.
Secondly, based on the theory of industrial agglomeration, financial development and
financial geography, the spatial correlation between the level of financial agglomeration
and economic growth of each city is analyzed through the Global Moran's l and the
Local Moran's I. At last, article select the relevant data of 12 cities in Inner Mongolia
from 2004 to 2018 to construct a Spatial Dubin Model to conduct an empirical analysis
of the impact of financial agglomeration levels on regional economic growth.
Meanwhile, article analyzed the agglomeration effect and spillover effect separately,
and concluded that the level of financial agglomeration has differences in the economic
growth of different regions.
Through the analysis, the following conclusions are drawn: First, the development
trend of the financial industry in Inner Mongolia is positive, but it still lower than the
average level of China, and the development among cities is unbalanced. Second, the
level of financial agglomeration and economic growth are spatially high in the central
region and low in the eastern of Inner Mongolia. The level of financial agglomeration
in the Hohhot, Baotou and Erdos is relatively high, but in other regions of Inner
Mongolia, it's relatively low and has not formed enhancing effect on the economy. Third,
the level of financial agglomeration has played a positive role in promoting the

economic growth of Inner Mongolia's cities, but the spillover effect is not significant.
It is difficult for regions with higher level of financial agglomeration to form a driving
effect on other cities.
Key words: Financial agglomeration Economic growth Factor analysis
Spatial Dubin Model Spatial spillover effect
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