我国互联网金融区域发展状况分析——基于互联网金融发展指数

An Arelysis of Regional Development of Internet Finance in China-Based on the Development Index of Internet Finance

随着互联网技术的提高,我国的互联网金融也得到了高速的发展;但是存在着明显的地区差异,尤其东西部互联网金融发展状况两极分化严重。本文基于空间杜宾模型,利用互联网发展指数进行评价,同时使用五大类指标:互联网发展状况,区域创新能力,区域特点,区域经济实力,金融行业发展状况进行分析,研究结果显示:1.我国互联网金融整体发展迅速,3年间体量将近翻倍。2.互联网金融的发展存在空间异质性,东西中部区间差异大,同时具有空间集聚性,东部沿海地区以及西部集聚明显,但是差距在慢慢缩小,即产生了普惠性效果。3.在影响因素中,域名数、快递量、专利授权数、地方财政监管支出,保险保费收入影响显著,其中域名数以及专利授权量的空间效应更为明显。其中域名数产生的直接效应约为0.1146,间接效应约为-0.2908,说明域名数对本地区的影响为正,对相邻地区的影响为负,且对其他地区的影响大于本地区;对于专利授权数,间接效应远大于直接效应。

With the improvement of Internet technology,China’s Internet finance has also achieved rapid development;however,there are obvious regional differences,especially the development of Internet finance in the eastern and western regions.Based on the spatial Durbin model,this paper uses the Internet Development Index to evaluate and use five categories of indicators:Internet development status,regional innovation capacity,regional characteristics,regional economic strength,and financial industry development status.The results show that:1.China’s Internet The overall financial development has been rapid and the volume has nearly doubled in three years.2.There are spatial heterogeneities in the development of internet finance,with large differences between the east,west,and middle regions.At the same time,there are spatial agglomerations,and the eastern coastal areas and the west have obvious agglomerations.However,the gap is gradually narrowing,which means that there is an inclusive effect.3.Among the influencing factors,the number of domain names,express delivery,number of patent authorizations,local financial supervision expenditures,and insurance premium income have a significant impact,among which the spatial effect of the number of domain names and patent grants is more pronounced.The direct effect of the number of domain names is approximately 0.1146,and the indirect effect is approximately-0.2908,indicating that the domain name has a positive impact on the region,a negative impact on the neighboring regions,and a greater impact on other regions than the region;The number,indirect effect is much greater than the direct effect.