THE RATIONALITY OF URBAN FINANCIAL NETWORK LAYOUT BASED ON POI DATA
Authors: Liu J. , Xu S. , Ma H. , Wang S. , Li F. 
Published: December 2023

Abstract. Financial outlets are branches or business outlets of financial institutions such as banks, investment and finance companies and insurance companies in cities, which are used to provide a variety of financial services and businesses. The location of financial outlets is usually determined on the basis of factors such as population density, commercial areas, residential areas and transportation convenience. As an important carrier of urban financial services, the rationality of the layout of financial outlets can reflect the financial needs and behavioral patterns of people in the city. Urban functional area is a product after urbanization, different from urban land use type which focuses on the classification of urban land use through natural conditions, urban functional area mainly analyzes the internal spatial structure of the city, focusing on the discernment of the dominant functions within the built-up area of the city. By categorizing urban functions such as residence, commercial service and industry, the spatial distribution of urban functions can be grasped to provide support for urban planning and development. Urban functional areas can reveal human behavior patterns, needs and preferences in different areas. The current research on financial outlets mainly focuses on the accessibility and coverage of financial outlets, and researchers treat financial outlets as spatially undifferentiated points, ignoring the problem of spatial heterogeneity of financial outlets within different functional zones. When studying the rationality of the layout of urban financial outlets, considering different functional zones within the city can better meet the financial needs of residents, enterprises and institutions in the region and improve the accessibility and convenience of financial services. Analyzing the comprehensive service capacity of financial outlets within different functional areas is obviously insufficient in the current study, which is not conducive to the configuration planning of financial outlets and the promotion of the accessibility of urban financial services. The wide application of Point of Interest (POI) data in spatial analysis provides a new perspective for the study of urban financial outlets, for this reason, this paper analyzes and researches the current situation and rationality of the spatial layout of financial outlets based on POI data, under the perspective of the functional areas of the city, and combined with the population travel vitality index. The Term Frequency-Inverse Document Frequency (TF-IDF) algorithm is used to process the POI data to generate the urban functional area, on the basis of which the travel vitality index in the city is calculated by combining the population coverage and road network density, so as to judge the reasonableness of the layout of urban financial outlets. This helps us to better understand the behavioral decision-making process and social interaction of human beings about financial life in the city, and provides guidance and decision-making support for urban financial layout planning, financial public services and financial policies.