国内普惠金融研究的热点演化与展望——基于金融地理学的视角

Evolution and prospect of financial inclusion research in China from the perspective of financial geography

普惠金融对降低贫困和促进发展成果分享具有重要意义,是国际金融地理学的重要研究议题。论文基于2005—2021年中国知网CNKI数据库3421篇核心期刊论文,利用知识图谱可视化技术分析了中国普惠金融研究的基本特征和热点演化,结果表明:(1)学术成果经历缓慢增长、快速增长、加速增长3个阶段,研究热点经由金融排斥、普惠金融到数字普惠金融的演化,其中农村、区域差异、空间格局及发展效应是各阶段的共同关注;(2)国内普惠金融研究具有学科交叉性、包容性、开放性,多学科的参与推动着普惠金融研究的蓬勃发展,在学科交叉融合过程中,不同学科又有各自的关注点;(3)基于金融地理学视角,提出普惠金融发展的空间过程、地方普惠金融发展的文化经济因素与关系网络、普惠金融的发展效应、金融科技的空间性及其潜在影响等未来研究议题。

Financial inclusion is important for reducing poverty and promoting the sharing of development results.It is an important research topic in international financial geography.Based on 3421 core journal articles in the CNKI database from 2005 to 2021,this study analyzed the basic characteristics and hotspot evolution of financial inclusion research in China using knowledge map visualization techniques.The results show that:(1)Academic achievements went through three stages of slow growth,rapid growth,and accelerated growth.The research hotspots evolved through financial exclusion,financial inclusion,to digital financial inclusion,among which rural areas,regional differences,spatial patterns,and development effects were the common concerns of all stages.(2)The research on financial inclusion in China is interdisciplinary,inclusive,and open.The participation of multiple disciplines promotes the vigorous development of the research on inclusive finance.In the process of interdisciplinary integration,different disciplines have their own concerns.(3)Based on the perspective of financial geography,this study proposed future research topics such as the spatial process of financial inclusion development,cultural and economic factors and relationship networks of local financial inclusion development,the development effect of financial inclusion,and the spatiality of fintech and its potential impact.