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金融资源的空间布局对区域经济发展有重要影响。京津冀金融资源空间分布失衡现象较为明显，尤其是在保险、证券、期货和基金等金融资源方面，京津冀三地呈现出非常显著的梯度差异。从银行分支机构的空间布局来看，京津冀地区总体呈现出地理集聚和市场集中的演化趋势。在其他条件不变的情况下，京津冀地区银行分支机构数量增多、市场集中度下降、外地城商行进入本地等措施，对于企业的规模扩大、投资、创新和融资能够提供更多的金融支持，从而有效促进京津冀地区实体经济发展。
<<Spatial distribution of financial resources is of great importance to regional economic development.The unbalanced spatial distribution of financial resources in Beijing，Tianjin and Hebei is relatively obvious，especially in the areas of insurance，securities，futures and funds.From the spatial distribution of bank branches，Beijing，Tianjin and Hebei region presents the trends of geographical agglomeration and market concentration.With other conditions unchanged，measures such as increasing the number of branches of banks in Beijing，Tianjin and Hebei region，decreasing market concentration and entering local market of commercial banks in other cities could provide more financial support for enterprises' scale，investment，innovation and financing，which would effectively promote the real economic development in Beijing，Tianjin and Hebei region.
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