Excessive capital cluster leads to economic overheated, such as the foam in the real estate, and overinvestment, which is harmful to long-term economic growth and brings financial risks.

• 中国地区金融差距与经济差距的互动关系使得经济越发达的地区，越具有超乎自身经济发展需求的资本聚集能力，过度的资本聚集导致地区经济过热，如房地产泡沫和个别行业的过度投资，这不利于地区经济的长期发展，而且可能诱发金融风险；