数字普惠金融研究进展、热点探析与趋势展望——基于Citespace文献计量分析

Research Progress, Hot-spots and Trends in Digital Inclusive Finance——Based on Citespace Bibliometric Analysis

数字普惠金融在缩小社会贫富差距、改善社会财富结构方面具有重要作用,是实现全体人民共同富裕的重要推手。研究以CNKI数据库中2015—2022年494篇核心及以上文献为样本,通过Citespace可视化软件对我国数字普惠金融的研究现状与研究热点进行分析。结果表明:数字普惠金融的研究热点与国家政策关联度较高,目前还未形成核心作者群体且各机构间合作交流较少,数字普惠金融发展水平的现有测度方式仅以北京大学数字普惠指数为主,测度数据来源单一。现阶段我国数字普惠金融研究领域主要集中在数字普惠金融性质内涵、金融科技、共同富裕、支持实体经济发展、农村金融服务等方面。未来可以从数字普惠金融的风险管控、对共同富裕、经济高质量的影响以及数字普惠金融发展水平的测度进行更加丰富的研究。

Digital inclusive finance has an important role in narrowing the gap between rich and poor in society and improving the social wealth structure, and is an important driver to achieve common prosperity for all people. The study takes 494 core-level or above documents in the CNKI database from 2015-2022 as samples, and analyses the research status and research hotspots of digital inclusive finance in China through Citespace visualisation software. The results show that: the research hotspots of digital inclusive finance are highly relevant to national policies, a core group of authors has not yet been formed and there is little cooperation and communication among institutions, and the existing measurement method of the development level of digital inclusive finance is only based on the Digital Inclusion Index of Peking University, with a single source of measurement data. At this stage, China’s research on digital inclusive finance mainly focuses on the connotation of the nature of digital inclusive finance, financial technology, common wealth, support for the development of the real economy, rural financial services and other aspects. In the future, richer research can be conducted on the risk control of digital inclusive finance, the impact on common prosperity and high quality of the economy, as well as the measurement of the development level of digital inclusive finance.