中文摘要：

因为金融服务业与其它产业有较大差异，所以传统的产业集聚模型并不适用于分析金融集聚．将金融服务业看作是特殊的产业，从产业集聚的角度，引入空间的概念，建立体现金融服务业特性的两区域理论模型，以此来讨论金融集聚的产生动因和可持续性．通过建立金融集聚的理论模型，揭示了地理因素所导致的机会成本、规模效益、金融服务产业在经济中所占份额和金融信息量是金融集聚的决定因素，并且产业集聚能够促进金融集聚的发生．同时提出两个区域由于地理因素所导致的机会成本增加倍数的比值可作为衡量中心区域是否为信息中心的指标．

英文摘要：

As the financial services industry is quite different from the other industries, the traditional model of industrial agglomeration is not applicable to finance agglomeration. This paper regards the financial services industry as a special kind of industry, and establishes a two-region model, which reflects the characteristics of financial services industry. Through this analytical model, this paper discusses the formation mechanism and equilibrium of finance agglomeration. Our findings suggest that emergence of a core-periphery pattern of fi- nance agglomeration depends on opportunity costs, economies of scale, the share of financial services industry in the economy and the amount of financial information. And the agglomeration of the real sector industry will enhance the agglomeration of finance. Finally, this paper portunity costs of the two regions, could be regarded as a center. puts forward that a ratio, which is related to the op- measure of whether the central area is an information