中文摘要：

分析了中国12家股份制商业银行网点在省域、市域层次的分布格局，运用集中度指数、基尼系数、Moran指数揭示我国股份制商业银行的集群特征。研究发现：①股份制商业银行网点主要聚集在东部沿海发达城市，呈由东向西递减的格局。②股份制商业银行在省份／地区存在发展阶段差异性，形成了不同的分布结构类型。③股份制商业银行具有空间聚集性，空间相关性为正相关。④股份制商业银行的空间发展为多因素作用，包括我国银行准人政策、银行企业盈利驱动和城市社会经济条件等。

英文摘要：

With Chinese banking reform and development ,joint-stock commercial banks have become an important part of China＇ s banking structure. This study analyzes the Chinese 12 joint-stock commercial bank branches in the provincial and municipal level domain distribution pattern, and using Concentration Ratio Index, Gini coefficient and Global Moran index reveals a cluster of characteristics of joint-stock commercial banks. The results indicate that：（1 ） Joint-stock commercial outlets mainly gathered in the eastern coastal cities, showed a pattern of decreasing from east to west. （2） Joint-stock commercial banks in the provinces/regional exist differences in the development stage, forming a different distribution structure types. （3） Joint-stock commercial bank with spatial clustering, spatial correlation is positive correlation. （4） Mul- tiple factors impact the spatial development mechanism of joint-stock commercial banks, including Chinese banking ac- cess policy,bank corporate earnings drivers and urban socio-economic conditions.