虚拟集聚视域下中国农村金融包容的时空演化特征与驱动因素  

Spatio-temporal evolutionary characteristics and driving factors of China’s rural financial inclusion from perspective of virtual agglomeration

作　　者：田霖[1] 张仕杰 田青[2] Tian Lin;Zhang Shijie;Tian Qing(Business School,Zhengzhou University,Zhengzhou 450001,Henan,China;Henan Provincial Organs Housing Capital Management Center,Zhengzhou 450003,Henan,China)

机构地区：[1]郑州大学商学院,河南郑州450001 [2]河南省省直机关住房资金管理中心,河南郑州450003

出　　处：《地理科学》2024年第6期1005-1015,共11页Scientia Geographica Sinica

基　　金：国家社会科学基金项目(20BJY117);国家留学基金委全额资助项目(202007045045);河南省高校人文社会科学研究项目(2025-ZDJH-00345)资助。

摘　　要：基于虚拟集聚视域下构建农村金融包容测度体系,利用熵值法拟合农村金融包容水平指数,借助时空地理加强回归等方法考察其时空动态分异特征和驱动因素。研究发现:(1)全国各省域农村金融包容水平呈逐年上升趋势,空间分布呈现“东部沿海高,中西部低”的梯度分异特征,且中西部的“追赶效应”显著;(2)考察期内非均衡性波动下降,但处于较高水平,有一定的两极分化趋势;农村金融包容总体差距呈逐渐波动下降态势,区域间差距是造成总体差距的主要根源所在,其次是区域内;(3)从影响因素分析,农村就业水平、农村居民收入水平、金融素养可有效支持农村金融得包容性发展;农村经济发展环境和城乡统筹发展两维度对金融包容的影响存在空间分异,城乡收入比始终为负效应,各影响因素对南北地区差异变化敏感度强于东西地区。The popularization of new-generation information technology has changed the pattern of rural fin-ancial development,and the financial system that used to cover only traditional financial services can no longer comprehensively reflect the inclusive development of rural finance in China.Based on the theoretical logic of rural financial inclusion in the perspective of virtual agglomeration,this paper further constructs a rural finan-cial inclusion index system covering three dimensions of penetration,use utility and affordability,fits the in-dex of the level of rural financial inclusion by using entropy weighting method,and analyzes the characterist-ics of spatial-temporal dynamic divergence and influencing factors of rural financial inclusion with the help of the Dagum Gini coefficient,kernel density estimation,and the GTWR model.The results show that:1)The level of rural financial inclusion in all provinces of the country has been on the rise year by year,and the spa-tial distribution shows the gradient differentiation characteristic of“high on the east coast and low in the cent-ral and western regions”,and the“catching-up effect”in the central and western regions is significant;2)The un-evenness of rural financial inclusion shows a fluctuating downward trend and is characterized by polarization,with a particularly pronounced polarization trend in the eastern and central regions;the overall gap in rural financial inclu-sion shows a gradual fluctuating downward trend,with the inter-regional gap being the main source of the overall gap;2)From the spatial characteristics analysis,during the sample period of 2014—2019,the Kernel density estimation of rural financial inclusion in each province showed a significant downward trend,and the width gradually expanded trend,which means that the unevenness of the level of rural financial inclusion across the country,although there is a downward trend,but there is a certain trend of polarization,and the trend of polarization in the eastern and central re-gions is part

关 键 词：虚拟集聚 农村金融包容 时空地理加权回归 时空异质性 

分 类 号：F323.6[经济管理—产业经济]