中国数字普惠金融发展的空间集聚与收敛性研究

Study on the Spatial Agglomeration and Convergence of Digital Inclusive Finance in China

基于2011-2018年中国31个省份的面板数据,本文将空间因素纳入研究框架,分析我国区域数字普惠金融发展的空间相关性及其时空跃迁变化,得出我国数字普惠金融发展呈现显著的正向空间相关性,并存在明显的向Low-Low和High-High两个方向集聚的时空跃迁特征。本文还在传统β收敛模型的基础上,加入空间自回归和空间误差影响,分别构建包含两种空间效应的空间收敛模型,得出我国数字普惠金融发展存在绝对β收敛和条件β收敛特征,而且不同地区数字普惠金融发展的收敛情况和影响因素也不相同,因此在各地区在数字普惠金融发展过程中应该因地制宜,采取有针对性的政策措施。

Based on the panel data of 31 provinces in China from 2011 to 2018,this paper establishes spatial econometric model to examine the spatial agglomeration and convergence of digital inclusive finance in China,taking into account the influence of spatial factors on agglomeration and convergence.The development of China’s digital inclusive finance presents a significant positive spatial correlation,and there are obvious spatial-temporal transition characteristics towards low-low and high-high directions.At the same time,there is a significant convergence in the development of China’s digital inclusive finance,and exit significantly absolute and conditional convergence.The convergence and influencing factors of the development of digital inclusive finance in different regions are different.Therefore,in the development process of digital inclusive finance in different regions,we should take targeted measurement according to local conditions.