安徽省数字普惠金融空间分布格局与溢出效应研究——基于乡村振兴视角

Research on the Spatial Agglomeration and Spillover Effect of Digital Inclusive Finance in Anhui Province:From the Perspective of Rural Revitalization

以安徽省为例,基于全省16个市域面板数据,采用空间杜宾模型对2011—2021年数字普惠金融发展的空间集聚和溢出效应进行研究。结果表明,安徽省数字普惠金融发展呈现出较为明显的空间集聚特征,城市间存在较为显著的空间溢出效应,并与居民消费水平、农村人均收入水平、第三产业发展水平存在正向关系,与农村人口数量和政府调控水平存在反向关系。因此,需要加强乡村金融基础设施建设,优化乡村地区数字普惠金融协同发展机制,并提供相应的资金和政策支持,为乡村振兴进程提供更为坚实的金融支持。

Based on the county-level data of the digital inclusive financial index provided by the digital financial center of Peking University,using the spatial Dubin model of fixed effect,this paper measures and analyzes the spatial agglomeration and spillover effect of rural digital inclusive financial development of 16 cities in Anhui Province.The result shows that the digital inclusive financial development in Anhui Province exhibits obvious spatial agglomeration characteristics and has a significant spatial spillover effect,which is positively associated with household consumption,per capita income of rural residents,and development level of tertiary industry,and negatively related to rural population.Therefore,it is necessary to strengthen the construction of rural financial infrastructure,optimize the coordinated development mechanism of digital inclusive finance in rural areas,and provide corresponding funds and policy support,so as to lay a more solid financial foundation for rural revitalization.