长三角区域互联网金融发展评价——基于因子分析法

Evaluation on the Development of Internet Finance in the Yangtze River Delta:Based on factor analysis

互联网金融作为一种新型金融模式在市场经济中异军突起,逐渐成为国内经济增长热点。长三角地区是经济发展活跃度、开放程度最高以及创新能力最强的地区之一。从经济基础、互联网环境、金融市场等3个维度,选取16个二级指标构建地区互联网金融发展指标体系,通过SPSS软件对长三角地区26个城市2010—2019年数据进行因子分析,从而计算出各市互联网金融发展状况综合指数,同时对各类城市发展差异程度展开分析。结果显示,长三角地区互联网金融发展水平整体呈上升趋势,但城市发展速度之间差异明显,呈分化现象。

Internet finance has suddenly emerged in the market economy as a new type of financial model and has gradually become a hot spot for domestic economic growth.The Yangtze River Delta region is one of the regions with the most active economic development,the highest degree of openness,and the strongest innovation capabilities.From three dimensions of economic foundation,internet environment and financial market,16 secondary indicators are selected to construct a regional internet financial development indicator system.The data of 26 cities in the Yangtze River Delta region from 2010 to 2019 are factored through SPSS software to calculate each city’s total score.The comprehensive index of the development of internet finance is used to analyze the degree of differences in the development of various cities.The results show that the overall development level of internet finance in the Yangtze River Delta is on an upward trend,but there are obvious differences in the speed of urban development,which is a phenomenon of differentiation.