中文摘要：

针对目前银行空间分布研究多涉及宏观区域尺度,中微观尺度研究明显不足,尤其缺乏从空间认知的角度对城市层面银行网点集聚性和集聚模式的研究的现状,该文以西安市1113个银行网点为研究对象,运用最近邻距离指数、Ripley＇s K函数、热点探测技术以及标准差椭圆等方法对西安市银行网点空间分布与集聚模式进行了研究。结果显示：西安市银行网点空间分布呈现出集聚分布的特点,随着距离增加,集聚性先增加后减弱;中小尺度层面,形成了多层次的银行集聚区;银行网点空间分布方向性强,大致以钟楼为中心沿东北—西南方向分布。

英文摘要：

Aiming at the insufficiency of studying the bank spatial distribution, the paper taking the locations of 1113 banks in Xi＇an city as the study case, analyzed the spatial agglomeration characteristics of the banks with the aid of spatial analysis methods including Nearest Neighbor Index （NNI）, Ripley＇s K function, hot spots analysis and Standard Deviational Ellipse, and so on. Result showed that the banks of Xi＇an were of cluster distribution characteristic, and the distance longer, the degree of agglomeration stronger first, and weaker then; it was formed by multi-level bank clusters in the city; and the spatial distribution of banks was along the direction of northeast to southwest with Zhonglou as the spatial distribution center.