Based on the point of view of Maslow＇ s basic needs theory, this paper firstly proves the inevitability of the gradient theories of the regional financial development. The formation of regional differences in financial develop- ment both has endogenous factors, and the impact of government＇ s macro-policy. On this basis, this paper discuses the macro process of the regional financial development gradient systematically from the aspects of polarization effect, ex- tension effect, and return trip effect. Finally, in view of the market mechanism and the administrative interference in the advancement of regional financial development gradient, the paper assumes that although emphasis shall be placed on the market functions in pushing on regional financial development gradients, moderate administrative interference helps to optimize the financial developing ways. Therefore, the correct definition for the responsibilities of the central government and local governments in the development of regional finance helps the financial factors perform their roles better in promoting the regional economy to develop harmoniously.%金融已经成为地方经济发展的重要支撑条件，金融应该适应其生存的土壤才能获得更好的“成长”从而发挥最优作用。本文试图论证地方政府应该在中央政府的统一安排下根据不同地区的实际情况选择特色化的地区金融发展模式，才能促进地方金融与地方经济社会的良性互动与和谐发展以期为区域经济协调发展找到一条科学的金融解决路径。本文首先论证了区域金融差异梯度存在的逻辑是合理的，在此基础上分极化效应、扩展效应、回程效应三个方面系统论述了区域金融发展梯度差异演绎的宏观过程，并针对区域金融发展梯度推进中的市场机制与行政干预问题，认为区域金融发展梯度推进中虽然应该强调市场机制的作用，但适度的行政干预有利于优化金融发展路径。
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