县域数字普惠金融发展的空间格局演化与影响因素分析——以湖南省为例  

Development Level of County Digital Inclusive Finance:Spatial Pattern Evolution and Influencing Factors Analysis:Take Hunan Province as an Example

作　　者：李明贤[1] 郑洲舟 陈铯[1] LI Mingxian;ZHENG Zhouzhou;CHEN Se(School of Economics,Hunan Agricultural University,Changsha 410128,Hunan,China)

机构地区：[1]湖南农业大学经济学院,湖南长沙410128

出　　处：《经济地理》2021年第8期136-143,共8页Economic Geography

基　　金：国家自然科学基金项目(72073043);湖南省教育厅重点科研项目(19A230);湖南省研究生科研创新项目(CX20200666)。

摘　　要：县域是普惠金融发展的主战场,发展县域数字普惠金融是统筹城乡发展的重要手段。文章通过研究湖南省县域数字普惠金融发展的空间分异性与相关性,揭示县域数字普惠金融发展的空间分异格局及演化过程,并利用面板数据模型考察其主要影响因素。研究发现:(1)湖南省县域数字普惠金融发展呈现出较为明显的区域差异,这种差异存在"固化"特征;(2)数字普惠金融发展按主要板块呈现集聚特征;(3)不同区域内县域数字普惠金融发展的主要影响因素存在异质性;(4)传统金融发展水平和经济发展水平对湖南省内不同区域的县域数字普惠金融发展均有促进作用,政府干预程度在传统金融发展水平与数字普惠之间起调节作用,会抑制传统金融发展对县域数字普惠金融的促进作用。据此,文章提出推动县域数字普惠金融高质量发展的相关对策建议。County is the important part of the development of inclusive finance,and the development of county’s digital inclusive finance is an important means for coordinating urban and rural development. By studying the spatial pattern and correlation of the development of digital inclusive finance in counties of Hunan Province, this paper reveals its spatial differentiation pattern and evolution process,and investigates its main influencing factors applying the panel data model.It reveals that: 1) The development of digital inclusive finance in counties of Hunan Province presents obvious regional differences,which have the characteristic of "solidification". 2) It presents agglomeration characteristic in different main sectors. 3) The main factors affecting the development of digital inclusive finance are heterogeneous in different regions.4) The traditional financial development level and economic development level both can promote the development of digital inclusive finance in counties of Hunan Province,and the degree of government intervention plays a enhancing role in the development of digital inclusive finance in counties of Hunan Province, which will inhibit the promotion of traditional financial development to county’s digital inclusive finance. Accordingly, it puts forward relevant countermeasures and suggestions to promote the high-quality development of county’s digital inclusive finance.

关 键 词：数字普惠金融 县域 空间分异演化 互联网发展水平 长株潭 高质量发展 

分 类 号：F127[经济管理—世界经济]