中文摘要：

区域金融差异呈梯度存在已是事实，区域金融结构的形成及其发展差异既有内生层面的原因，也有政府宏观政策层面的影响，那么其演绎路径又应该是怎么样的呢？基于上述问题的考量驱使我们对区域金融结构形成、区域金融发展差异形成的原因及其影响因素、区域金融结构演绎的微观机理进行研究。笔者从金融产品创新保护的视角，首先借助专利模型从微观层面考察区域问金融机构竞争形成对区域金融发展格局的影响，考察其在区域金融结构变迁和区域金融水平梯度演进中的内在影响机理。笔者认为，我们应该将金融产品创新层面引入保护制度，在扶持区域金融结构特色化方面推进先行先试，在加强环境建设的同时强调市场机制的作用。政府应该建立相应制度鼓励金融机构跨行政区域展开业务竞争，这将有利于区域金融结构演进过程中内生机制更好地发挥作用。

英文摘要：

As we known the disparity of regional financial development in China represents gradient. It is not only caused by the internal factors but also by the macro-policies of the government. What is the mecha- nism？ In view of this question, we focus on the formation of financial structure and its mechanism, formation of differences of regional financial development and its determinants. We analyze the role of financial institu- tion competition in determining configuration of regional development, the changes of regional financial struc- ture and the gradient evolution of regional financial level using patent contest model. Our findings suggest that financial product innovations need to be protected. We should support the characteristics of regional financial structure, strengthen the construction of financial environment and the role of market mechanism. The govern- ment should establish relative policies encouragin which will facilitate endogenous mechanism play a g cross-regional better role in th financial institutions to make competition e evolution of regional financial structure.