中国数字普惠金融的发展现状及收敛性研究——基于logt检验方法的考察

Research on the Development Status and Convergence of Digital Inclusive Finance in China --Investigation Based on Logt Test

文章基于2011—2020年中国数字普惠金融指数,采用数理统计方法从时间和空间两个维度梳理了中国数字普惠金融的现状,并采用logt检验方法分别考察了中国数字普惠金融指数及其三个一级分指数的收敛情况。结果表明,在样本考察期间,数字普惠金融指数总体呈现上升趋势,但存在较大的地区差异,表现为东部、中部、西部依次递减趋势。从分类指数来看,覆盖广度指数、使用深度指数和数字化程度指数均呈现上升趋势,但覆盖广度指数和使用深度指数存在较大的地区差异性,而数字化程度指数的地区差异较小。数字普惠金融指数、覆盖广度指数以及使用深度指数在全国范围内趋于收敛,而数字化程度指数总体不收敛,但存在俱乐部收敛趋势,且东部地区和中部地区收敛于一个俱乐部,西部地区收敛于一个俱乐部。

Based on China’s digital inclusive finance index from 2011 to 2020, this paper uses mathematical statistics method to sort out the current situation of China’s digital inclusive finance from two dimensions of time and space, and uses logt test method to investigate the convergence of China’s digital inclusive finance index and its three primary index. The results showed that: During the period of sample investigation, the index of digital inclusive finance shows an upward trend, but there are large regional differences in the digital inclusive financial index, and shows a decreasing trend of eastern, central, and western. From the perspective of classification index, coverage breadth index, use depth index and digital degree index show an upward trend, but there are large regional differences between coverage breadth index and use depth index, and digital degree index is relatively balanced in the three regions. Digital inclusive finance index, coverage breadth index and use depth index tend to converge in the whole country, digital degree index does not converge in general, but there is club convergence, and the eastern region and the central region converge to one club, and the western region converges to one club.