数字普惠金融省域发展特征及影响因素研究  

Research on Provincial Development Characteristics and Influencing Factors of Digital Inclusive Finance

作　　者：刘原宏 杨治辉[1] Liu Yuanhong;Yang Zhihui(School of Statistics and Applied Mathematics,Anhui University of Finance and Economics,Bengbu Anhui 233000,China)

机构地区：[1]安徽财经大学统计与应用数学学院,安徽蚌埠233000

出　　处：《统计与决策》2023年第11期139-144,共6页Statistics & Decision

基　　金：安徽省高校自然科学重大项目(KJ2017ZD35);安徽财经大学研究生科研创新基金项目(ACYC2021384)。

摘　　要：文章使用2013—2020年省级面板数据,建立基于“绝对量”“增量”“增速”“变异程度”四项指标的综合距离面板数据聚类方法对我国数字普惠金融省域发展特征进行分析,并采取半参数理论的分析方法研究数字普惠金融发展的影响因素。研究发现:第一,我国数字普惠金融的发展在省域层面上存在明显的异质性。从空间上看,经济发达的沿海地区和经济欠发达的内陆地区的数字普惠金融发展特征具有较大差异,青海、贵州、西藏的数字金融发展均呈现高增长量、高增速、高波动的特征。第二,数字经济发展、居民金融素养、金融规模均对我国数字普惠金融发展具有显著的线性促进作用,而投资规模和金融风险存在一定的非线性影响。具体来说,投资规模过大不利于数字普惠金融的发展,金融安全性过高会对数字普惠金融发展产生抑制作用。By using the provincial panel data from 2013 to 2020,this paper establishes a comprehensive distance panel data clustering method based on the four indicators of“absolute amount”,“increment”,“growth rate”and“variation degree”to ana⁃lyze the characteristics of the provincial development of digital inclusive finance in China,and then adopts the semi-parametric theory to analyze the influencing factors of the development of digital inclusive finance.The results go as below:First,the devel⁃opment of digital inclusive finance in China has obvious heterogeneity at the provincial level.From a spatial perspective,the de⁃velopment characteristics of digital inclusive finance in the economically developed coastal areas and the economically underde⁃veloped inland areas are quite different.The development of digital finance in Qinghai,Guizhou and Tibet is characterized by high growth volume,high growth rate and high fluctuation.Second,the development of the digital economy,the financial literacy of residents,and the scale of finance all have a significant linear promoting effect on the development of digital inclusive finance in China,while the scale of investment and financial risks have a certain nonlinear impact.Specifically,excessive investment scale is not conducive to the development of digital inclusive finance,and excessive financial security will inhibit digital inclu⁃sive finance.

关 键 词：数字普惠金融 面板数据聚类 半参数理论 

分 类 号：F832.5[经济管理—金融学]