中文摘要：

金融是经济发展的内生变量和核心要素，金融业总是以金融产业集群的形式出现并形成金融中心。研究金融产业集聚的方法不能忽视空间维度的相关性和异质性。显著影响金融产业集聚程度的因素有经济发展水平、工业化水平、人力资本水平和技术创新水平。现阶段中国省域间的金融业集聚具有正的溢出效应，各省域应该加强相邻省域间的区域金融合作，并减少人为造成的相邻省域间的金融交往障碍。

英文摘要：

Finance is the endogenous variable and the core element in the economic development, financial sector always appears in the form of clusters and then forms financial centers. Research on the financial Industry Clusters should not ignore the relativity and the heterogeneity of spatial dimensions. Significantly influencing factors on China＇s Provincial Financial Industry Clusters include the level of economic development, the level of industrialization, the level of human capital and the level of technological innovation. At present, China＇s Provincial Financial Industry Clusters have a positive spillover effect. Regional financial cooperation should be strengthened in adjacent provinces, while human-caused financial barriers between neighboring provinces should be reduced.