摘要
本文基于标准差椭圆、Dagum基尼系数和核密度估计,对我国2011-2020年数字普惠金融发展现状、空间差异及分布动态演进进行分析.结果表明:第一,我国总体及三大地区数字普惠金融发展水平不断提高,空间非均衡特征明显.第二,我国数字普惠金融总体空间差异、三大地区区域内差异和各区域间差异均呈缩小发展趋势,区域间差异是总体空间差异的主要来源.第三,我国不同地区数字普惠金融及各维度内部绝对差异大部分呈扩大发展趋势并伴随有极化现象.据此,提出提高经济落后地区数字普惠金融发展水平,缩小区域间发展差异,促使数字金融深入发展的相关建议.
Based on the standard deviation ellipse,Dagum Gini coefficient and nuclear density estimation,this paper analyzes the development status,spatial differences and dynamic evolution of my country's digital financial inclusion from 2011 to 2020.The results show that:First,the development level of digital inclusive finance in my country as a whole and in the three major regions continues to increase,with obvious spatial imbalances.Second,the overall spatial differences of my country's digital financial inclusion,the three regional differences,and the inter-regional differences are all showing a shrinking development trend.Inter-regional differences are the main source of overall spatial differences.Third,most of the absolute differences in digital financial inclusion in different regions of my country and the internal absolute differences in various dimensions are showing an expanding trend and accompanied by polarization.Based on this,it puts forward relevant suggestions to improve the development level of digital financial inclusion in economically backward areas,reduce the development gap between regions,and promote the in-depth development of digital finance.
作者
石静
徐敏
Shi Jing;Xu Min(School of Economics,GuangDong Ocean University,ZhanJiang Guangdong 524088)
出处
《西部金融》
2021年第8期10-21,共12页
West China Finance
基金
广东海洋大学博士启动项目“中国普惠金融发展的分布动态、空间效应及政策选择研究”(R17101)
广东省哲学社会科学规划项目“数字普惠金融对广东省经济协调发展的影响效应及路径选择研究”(GD20CYJ28)。
关键词
数字普惠金融
标准差椭圆
Dagum基尼系数
核密度估计
Digital financial inclusion
Standard deviation ellipse
Dagum Gini Coefficient
Kernel density estimation
作者简介
石静(1997-),女,硕士研究生,现就读于广东海洋大学经济学院;徐敏(1971-),女,博士,副教授,硕士研究生导师,现供职于广东海洋大学经济学院。
