中文摘要：

通过问卷调查和深度访谈等手段获取反映企业金融服务消费行为的数据资料，结合社会经济统计（1990～2003）和基本单位普查（2001）数据，实证分析了东莞市第二产业分散化空间格局前提下，跨国公司生产基地“多点”金融服务消费行为、成功港资企业“两点”金融服务消费行为以及镇区工业集团总公司“园区型”金融服务消费行为，探讨了东莞金融服务业“无强中心，分散化”空间格局形成的机制。

英文摘要：

This paper analyzes the spatial pattern of financial services industry and the impact of enterprises＂ financial service consumer behavior on that by using first-hand data obtained through questionnaires and in-depth interviews. The city and second-hand data are from socio-economic statistics （ 1991-2004） and second basic units census （2001）. The results are as follows： Firstly, a decentralized spatial pattern of financial services industry in Dongguan has been formed as nearly the same as that of secondary industry, which means that these two industries are linked closely to each other. Secondly, the enterprises invested by Hong Kong＇s and foreign capital are now searching the opportunity for supplying the financial services in Dongguan, Pearl River Delta （PRD） and the whole country. Except PRD, Hong Kong and other areas are becoming the main sources of financial services for enterprises located in Dongguan. Thirdly, the producing bases of multinational corporations, successful Hong Kong enterprises and town-owned industrial firms facilitate the spread of financial services in the town by making the consumption standard and the financial services normalized. As a resuit, the decentralized spatial pattern of financial service industry has come into being. Finally, the consumer behavior of different enterprises is dissimilar, so is its spatial effect. Comparatively, the ＇park-style＇ consumer behavior of financial services of townowned firms mainly represents the distinction of less out-of-town consumption and its facilitation to the development of financial services is limited to the scale of township. While the multi-spot style＂ consumer behavior of multinational corporation producing base plays a key role of causing the spatial centralization and＇ decentralization of financial services with different spatial dimensions at the same time. The ＇twin-spot style＇ consumer behavior of enterprises in Hong Kong, oriented by extensive and in-depth investment and trade between