在區(qū)域一體化背景下，金融資源跨區(qū)域流動日益頻繁，對金融機構(gòu)產(chǎn)生了提供跨區(qū)域服務(wù)的需求。在理想狀況下，金融機構(gòu)將完全按市場化需求布局，但現(xiàn)實中會受到邊界和政策的阻礙。本文以城市商業(yè)銀行為例，，借鑒金融地理學(xué)的相關(guān)理論，應(yīng)用網(wǎng)絡(luò)分析方法剖析了金融機構(gòu)在一體化區(qū)域中的分布格局及擴張機理。基于2007-2013年長三角地區(qū)16市金融機構(gòu)發(fā)展?fàn)顩r和城市商業(yè)銀行分布數(shù)據(jù)，構(gòu)建了城市商業(yè)銀行布局網(wǎng)絡(luò)，并進(jìn)一步測量了邊界效應(yīng)和結(jié)構(gòu)洞有效規(guī)模。結(jié)果顯示①長三角地區(qū)城市商業(yè)銀行分布層級明顯，異地經(jīng)營逐漸增多，有突破江浙省界的趨勢；除上海金融中心作用凸顯之外，南京、杭州、寧波和臺州也成為金融機構(gòu)網(wǎng)絡(luò)中的重要空間節(jié)點。②除政策管制占主導(dǎo)因素之外，城市金融需求、歷史文化以及城市商業(yè)銀行自身規(guī)模、股權(quán)結(jié)構(gòu)和戰(zhàn)略定位對其擴張路徑也有重要影響。研究區(qū)域人均貸款、文化差異、地方財政收入自治率均對金融機構(gòu)擴張有顯著的影響，金融業(yè)比重、人均GDP和行政邊界則并無顯著作用。

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