中文摘要：

文章利用ArcGIS、GeoDA、MatLab等软件，使用非参数Kernel密度估计方法，以河南省51个传统农业县为例，分析县域空间单元金融地理排斥现象，并对其空间格局趋同的特征和原因进行分析，得出如下结论：（1）我国城乡经济发展严重不平衡的原因主要是城乡金融资源配置失衡；农业地区金融市场彼此分割，呈“条块”分布格局；（2）金融的“第二财政”功能是传统农业地区金融地理排斥的背后推手，县域金融机构“脱农”特别是涉农金融机构在资金投入方向上逐渐脱离其职能定位，加深了农村金融排斥；（3）县域金融空间发展趋同呈现阶段性、区域性特征，空间发展趋同的本质是金融“脱农”造成的“发展普遍滞后”。

英文摘要：

The article character the financial ratio as a measure of HeNan＇s financial development index by means of non parameter kernel density estimation, discussed preliminarily of the spatial diserepancy＇s tendency and influencing factor of financial development in HeNan province. The conclusions are as follows ： （ 1 ） The di- vision of financial market in organizational Slice is to blamed for economic imbalance between urban and rural; （2） As financial, the function of ＂second fiscal＂ is the primary causation to the financial geography exclusion of traditional agriculture area ; （ 3 ） Spatial Dynamics of County-level financial development in rural region have a feature of periodicity and regionality, the cause of spatial convergence is agriculture-related financial institu- tion depart from the duty of supplying the needs of agriculture.