我国地级城市数字普惠金融空间溢出效应研究

Spatial spillover effect and analysis of the influencing factors of China digital inclusive finance

运用我国217个地级及以上城市2011-2019年的面板数据,采用时间和空间双向杜宾面板数据模型,研究了中国数字普惠金融的空间溢出效应及影响因素.结果表明,中国数字普惠金融发展水平在不同地区之间存在显著空间正相关性,同时也存在显著空间异质性;经济发展水平、地理因素、数字基础设施建设水平和教育水平均对数字普惠金融起显著的正向影响作用.

Based on the panel data of 217 cities at and above the prefecture-level in China from 2011 to 2019,the spatial spillover effect and influencing factors of China digital inclusive finance were studied by using the time and space bidirectional Durbin panel data model.This research showed that the development level of digital inclusive finance in China had significant spatial positive correlation between different regions,and also had significant spatial heterogeneity;economic development level,geographical factors,digital infrastructure construction level and education level all had a significant positive impact on digital inclusive finance.