中国城市数字普惠金融发展的分布动态、区域差异与影响因素研究

Research on the Distribution Dynamics Regional Differences and Influencing Factors of Digital Inclusive Finance Development in Chinese Cities

基于2011-2021年的城市面板数据,将其划分一线城市、二线城市、三线城市、三线以下城市等四种不同等级城市组别,运用核密度估计、Dagum基尼系数、时点固定效应模型分析了中国城市数字普惠金融发展的分布动态、区域差异与收敛性.结果显示:(1)2011年以来,各城市的数字普惠金融发展水平均在逐年递增,但在2017年以后发展速度放缓.(2)中国目前城市的数字普惠金融发展存在不平衡问题,呈阶梯式分布特征.(3)在考察期内,中国数字普惠金融发展水平总体上差异较小,总体基尼系数呈现不规则的L形.(4)中国城市的数字普惠金融发展水平差异主要是由区域间的差异导致的.(5)经济增长、产业结构、政府干预力度、传统金融发展是城市数字普惠金融发展的驱动因素,但在不同等级城市中存在差异.并针对性提出了重视数字普惠金融作用、正确认识城市数字普惠金融发展差异、差异化促进中国城市数字普惠金融发展水平等建议.

Based on the panel data of cities from 2011-2021,this paper divides them into four different city groups:first-tier city,second-tier city,third-tier city and below third-tier city.The results show that:(1)Since 2011,the development level of digital inclusive finance in each city has been increasing year by year,but the development speed has slowed down after 2017.(2)At present,the development of digital inclusive finance in Chinese cities is unbalanced,which shows the characteristics of ladder distribution.(3)During the investigation period,the overall difference in the development level of digital inclusive finance in China is small,and the overall Gini coefficient shows an irregular L-shape.(4)The differences in the development level of digital inclusive finance in Chinese cities are mainly caused by the differences between regions.(5)Economic growth,industrial structure,government intervention and traditional financial development are the driving factors for the development of urban digital inclusive finance,but there are differences in different levels of cities.It also puts forward some suggestions,such as attaching importance to the role of digital inclusive finance,correctly understanding the development differences of urban digital inclusive finance,and promoting the development level of urban digital inclusive finance in China through differentiation.