摘要: In this paper we analyzed the process of regional concentration financial service production. For indicators used specialization index and production per capita in region. Theoretical base study lies on new economic geography. Derived from theory, tested whether intra-region trade effect measured by geographic area share potentially immobile labor force region affect concentration. Also towards existing centers was tested. We found that region’s has negative both Increase affected positively negatively 1 thank useful comments made members research group project ’Bank competitition globalized markets’ carried out at Turku School Economics Business Administration during 2000–2002 an anonymous referee for detailed improved earlier draft substantially. Financial support OKO Bank Group’s Research Foundation Yrjo Jahnsson is gratefully acknowledged. All remaining errors are ours. AKI T. KOPONEN, Associate • e-mail: aki.koponen@tukkk.fi MIKA WIDGREN, Professor Administration, ETLA, CEPR CESifo mika.widgren@tukkk.fi L T A 2 / 0 3 P . 242– 6 51