中国九大城市群数字普惠金融发展的时空差异及动态演进

Spatiotemporal Differences and Dynamic Evolution of Digital Financial Inclusion in China's Nine Major City Clusters

采用Dagum基尼系数、核密度非参数估计和收敛模型揭示九大城市群数字普惠金融发展的区域差异、分布动态及收敛机制。研究发现:九大城市群数字普惠金融发展差异呈下降趋势,城市群间差异是导致数字普惠金融发展差异的主要来源。其中,珠三角城市群数字普惠金融整体发展水平最高,城市群内差异最小,同其他城市群整体差异最大。九大城市群数字普惠金融发展具有显著的σ收敛特征,也存在绝对β收敛和条件β收敛,但各城市群收敛速度不相同,经济发展相对落后的城市群数字普惠金融发展收敛速度更快。研究对推动城市群数字普惠金融协同发展,促进金融服务均等化具有重要意义。

The Dagum Gini coefficient,kernel density nonparametric estimation and convergence model are used to reveal the regional differences,distribution dynamics and convergence mechanism of digital financial inclusion in nine major city clusters in China. It turns out that the differences of digital inclusive finance among the nine major city groups show a gradual downward trend,and the differences among city groups are the main source of the gap of digital inclusive finance development. Among them,the Pearl River Delta city group has the highest overall level of digital inclusive finance,the smallest differences within the city group,and the largest differences with other city groups. The development of digital inclusive finance in the nine major city groups has obvious σconvergence characteristics,and there is also absolute βconvergence and conditional βconvergence,but the convergence speed of each city group is different,and the relatively less developed city groups have faster convergence speed. This study is of great significance for promoting the coordinated development of digital inclusive finance in urban agglomerations and promoting the equalization of financial services.