中国金融科技的区域差异及其空间收敛性

Regional Differences and Spatial Convergence of Fintech in China

从微、中和宏观层面对已有相关研究梳理可知,目前对金融科技发展存在的地区差距、空间异质性以及收敛性特征缺乏研究,因此,利用中国31个省份2011—2020年有关数据构建金融科技综合发展指数,运用Dagum基尼系数和收敛模型挖掘金融科技发展差异的主要贡献来源、考察金融科技发展的空间收敛性特征。结果表明:整体上,中国金融科技发展的差距相对较大,但基尼系数呈现下降趋势,区域间协调性逐渐增强;区域间净值差异贡献均值为56.79%,是金融科技发展区域差异的主要原因,且东部和中部地区金融科技发展水平在收敛状态、收敛速度上均存在明显的差距;金融科技发展始终处于收敛状态,且“十二五”时期的收敛速度比“十三五”时期快。基于此,提出建立健全相关制度和风险防范措施、形成区域特色的金融科技与产业融合和建设区域金融科技创新合作机制等对策建议。

From the review of the existing relevant studies at micro,and macro levels,it can see that there is a lack of research on the regional disparity,spatial heterogeneity and convergence characteristics of fintech development.Therefore,this paper constructs the fintech comprehensive development index by using the relevant data of 31 provinces in China from 2011 to 2020,and the Dagum Gini coeficient and convergence model are used to explore the main contribution sources of fintech development differences,and investigate the spatial convergence characteristics of fintech development.The results show that on the whole,the development gap of fintech of China is relatively large,but the Gini coefficient shows a downward trend on the whole,and the coordination between regions is gradually enhanced;the average contribution of inter-regional net worth difference is 56.79%,which is the main reason for the regional differences in fintech development,and there are obvious differences in the convergence status and convergence speed of fintech development in eastern and central regions;the development of fintech has always been in a state of convergence,and the convergence rate in the 12th Five-Year Plan period is faster than that in the 13th Five-Year Plan period.Based on this,it puts forward countermeasures and suggestions such as establishing and improving relevant systems and risk prevention measures,forming regional characteristics of fintech and industry integration,and building regional fintech innovation cooperation mechanism.