文献类型：期刊文献

中文题名：我国数字普惠金融的发展现状、空间差异及动态演进分析

英文题名：Analysis of the Status Quo,Spatial Differences and Dynamic Evolution of China's Digital Financial Inclusion

作者：石静[1];徐敏[1]

机构：[1]广东海洋大学经济学院,广东湛江 524088

年份：2021

期号：8

起止页码：10

中文期刊名：西部金融

外文期刊名：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)。

语种：中文

中文关键词：数字普惠金融;标准差椭圆;Dagum基尼系数;核密度估计

外文关键词：Digital financial inclusion;Standard deviation ellipse;Dagum Gini Coefficient;Kernel density estimation

中文摘要：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.

外文摘要：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.