我国商业银行数字金融发展水平测度及时空演化特征研究  

The measurement and spatial-temporal evolution feature of digital finance development level for Chinese banking industry

作　　者：明雷[1,2] 叶彬谭 卢宛君 杨申燕 MING Lei;YE Bintan;LU Wanjun;YANG Shenyan(School of Finance and Statistics,Hunan University,Changsha 410079,China;Financial Development and Credit Management Research Center of Hunan University,Changsha 410079,China;School of Finance,Hubei University of Economics,Wuhan 430205,China;Hubei Financial Development and Financial Security Research Center,Wuhan 430205,China)

机构地区：[1]湖南大学金融与统计学院,长沙410079 [2]湖南大学金融发展与信用管理研究中心,长沙410079 [3]湖北经济学院金融学院,武汉430205 [4]湖北金融发展与金融安全研究中心,武汉430205

出　　处：《系统工程理论与实践》2024年第4期1169-1180,共12页Systems Engineering-Theory & Practice

基　　金：国家社会科学基金一般项目(19BGL055);中国博士后科学基金(2022M713448,2023T160707);中央财经大学青年科研创新团队支持计划(中央高校基本科研业务费专项资金);中国金融教育发展基金会金融财经院校合作发展重点项目(202302)。

摘　　要：数字经济时代,我国银行业竞争格局正经历巨大变革,数字技术深刻影响着银行的业务模式和发展水平.本文基于大数据与传统数据融合的视角,利用因子分析法测度我国120家商业银行2009-2019年数字金融发展水平.然后利用核密度估计、空间面板杜宾模型从时间和空间两个视角考察我国商业银行数字金融发展的时空变化特征,并分析银行数字金融发展的地区差异演变规律及其来源.最后考察了银行数字金融水平与地区数字普惠金融之间的互动关系.研究发现:我国商业银行数字金融水平随着时间推移呈现极化差异.在东部地区,银行数字金融与地区数字普惠金融之间具有相互促进效应,而在东北部地区则会产生抑制效应;在中部和西部地区,两者没有明显的互动效应.本研究丰富了数字金融水平测度的构建体系,为揭示我国商业银行数字金融发展差异状况、探索与地区数字普惠金融的协同提升对策提供了重要借鉴经验.In the era of digital economy,the competition pattern of China’s banking industry is undergoing tremendous changes,and various digital technologies affect the business model and development level of banks.Based on the perspective of the integration of big data and traditional data,this paper uses factor analysis to measure the digital finance development level of 120 commercial banks in China from 2009 to 2019.Then,the kernel density estimation and the spatial panel Dubin model are used to investigate the temporal and spatial variation characteristics of the digital finance development for banks in China from two perspectives of time and space,and the evolution feature of regional differences and sources of bank digital finance is analyzed.Finally,the interactive relationship between the digital finance development level of banks and regional digital inclusive finance is examined.It is found that the digital finance level of Chinese commercial banks shows polarization differences over time.In the eastern region,there is a mutual promotion effect between bank digital finance and regional digital inclusive finance,while in the northeast region,there will be a suppression effect.In the central and western regions,there is no obvious interaction between them.This paper enriches the construction system of digital finance level measurement,and provides important reference experience for revealing the differences in the development of digital finance.It also explores countermeasures for synergistic improvement with regional digital inclusive finance.

关 键 词：数字金融 分布动态 演化特征 地区差异 

分 类 号：F832[经济管理—金融学]