中文摘要：

本文以2002-2011年江苏省13个中心城市为例，从金融发展规模、效率和覆盖面三个维度构建了金融发展的指标体系，采用因子分析法计算了中心城市金融发展的综合得分，发现了区域金融发展不平衡的特征。接着，运用系统广义矩估计法探寻中心城市的金融成长机制。结果显示，前期金融发展水平、经济增长、经济结构、经济发展环境和人口密度与中心城市的金融发展显著正相关，而地方政府经济行为对中心城市金融发展的影响为∩型；另外，江苏省中心城市接受到的来自上海的金融辐射呈现梯度变化。

英文摘要：

Using the data of 13 central cities of Jiangsu Province as samples from 2002 to 2011, first we construct finan- cial development system of 3 indicators, including financail size, efficiency and branch, and calculate comprehensive scores as the level of financial development by factor analysis method. It is found that financial development is unbalanced among cities. Then, we explore the relevant factors impacting financial development of central cities by system GMM estimation. It is conclu- ded that financial development lag issue, economic growth, economic structure, economic development environment and popu- lation density positively correlate with financial development, and the effect of government＇s economic behavior present ∩- shaped. Furthermore, the financial radiation that central cities accept from Shanghai distributes gradiently.