Spatial Disparities of Financial Intermediaries in Cluj County

The present paper aims at identifying the disparities in the spatial distribution of financial intermediaries by taking as case-study a specific territorial unit, namely Cluj County. The knowledge of the number and location of financial intermediaries has importance in understanding the complex functionality of the territory, as well as in the complex process of territorial management, since there is a close linkage between the presence and the activity of the different financial institutions and economic and social development. The analysis is focused on the following financial intermediaries: monetary financial institutions, other financial intermediaries, insurance companies and pension funds. The interpreted data, the calculated indicators (such as the number of banks per 1,000 inhabitants, the number of ATMs per 1,000 inhabitants) and the cartographic materials indicate a high concentration of financial intermediaries in Cluj-Napoca, a slight diversity in the other five towns of the county and low presence or even their absence in rural area.