| Zhang Longyao,Xing Zhaohui.Distribution Dynamics, Regional Differences and Convergence of Digital Inclusive Finance in Rural China[J].The Journal of quantitative and technical economics,2021,(3):23-42 |
| 中国农村数字普惠金融发展的分布动态、地区差异与收敛性研究 |
| Distribution Dynamics, Regional Differences and Convergence of Digital Inclusive Finance in Rural China |
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| DOI： |
| 中文关键词: 数字普惠金融 分布动态 地区差异 空间收敛 |
| 英文关键词: Rural Digital Financial Inclusion Distribution Dynamic Regional Differences Spatial Convergence |
| 基金项目:本文获得国家自然科学基金面上项目“中国农村数字金融的发展机制和效应：基于实验经济的研究”（71973064）和“金融科技背景下农村金融机构数字化发展机制与普惠效应研究”（72073067）的资助。 |
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| 中文摘要: |
| 研究目标：揭示中国农村数字普惠金融发展的分布动态、地区差异与收敛性。研究方法：基于2014～2018年县域层面数据，运用核密度估计、Dagum基尼系数探究农村数字普惠金融发展的分布动态与地区差异，使用变异系数法与空间面板杜宾模型检验其收敛特征。研究发现：农村整体和东、中与西部地区数字普惠金融水平趋于明显上升，绝对差异大幅缩小，但后期存在微弱离散态势。全国相对差异总体呈下降趋势，区域内、区域间非均衡现象不同程度地减弱。农村整体及三大区域呈现明显的收敛趋势，经济、传统金融等因素在数字金融发展过程中也起着重要作用。研究创新：刻画了农村数字普惠金融发展的空间动态分布特征并揭示了相关经济因素的影响。研究价值：为加深对农村数字普惠金融的空间发展格局认知提供依据，为推进区域社会协调发展提供政策启示。 |
| 英文摘要: |
| Research Objectives: To reveal the distribution dynamics, regional differences and convergence of digital inclusive finance in rural China. Research Methods: Based on the county level data from 2014 to 2018, the kernel density estimation and Dagum Gini coefficient were used to explore the distribution dynamics and regional differences of the development of rural digital inclusive finance, and the coefficient of variation method and the spatial panel Durbin model were used to test the convergence characteristics. Research Findings: The level of digital inclusive finance in rural areas as a whole and in eastern, central and western regions tends to rise significantly, with the absolute difference greatly reduced, but there is a weak discrete situation in the later period. On the whole, the national relative differences showed a downward trend, and the disequilibrium between regions and regions was weakened to varying degrees. Rural areas as a whole and the three regions show an obvious convergence trend, and economic and traditional financial factors also play an important role in the development of digital finance. Research Innovations: Depicts the spatial dynamic distribution characteristics of the development of rural digital inclusive finance, and reveals the influence of relevant economic factors. Research Value: To provide theoretical and factual basis for deepening cognition of spatial development pattern of rural digital inclusive finance, and to provide policy inspiration for promoting coordinated development of regional society. |
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