中文摘要：

自2001年我国加入WTO后，金融业对外开放已有10年。开放的金融环境在对银行、证券、保险等行业发展产生较大影响的同时，对区域金融发展差距是否也产生了显著的影响，值得深入研究。本文将样本选择在1998—2008年期间，以2002年作为金融开放的分界点，基于金融发展综合指数，利用参数估计和非参数估计两种办法研究了我国区域金融发展的收敛性。结果表明，金融开放对区域金融发展差距有显著影响。该影响的作用程度是逐渐释放的，在东中西三大区域的表现也有所不同。

英文摘要：

Since China＇ s accession to WTO in 2001, it has been ten years of financial openness. Banking, securities and insurance industry was affected severely, what about the development of regional finance？ The paper selected the period of 1998-2008 as the sample, and the year of 2002 as the cutoff point of financial openness. Based on the index of financial development, we analyzed the convergence of regional financial development using the parametric and non-parametric estimation. The results show that the convergence of regional financial gap has changed significantly during the financial openness, The role of the degree of influence is gradually released. And the impact of financial openness on the eastern, western and central area is quite different