地理溢出效应视角下数字普惠金融体系动态协调发展分析  

Dynamic and Coordinated Development of Digital Inclusive Finance from the Perspective of Geographical Spillover Effects

作　　者：丁志国[1,2] 田雨[1] DING Zhiguo;TIAN Yu(School of Business and Management,Jilin University,Changchun 130012,China;Center for Quantitative Economics,Jilin University,Changchun 130012,China)

机构地区：[1]吉林大学商学与管理学院,吉林长春130012 [2]吉林大学数量经济研究中心,吉林长春130012

出　　处：《东北大学学报(社会科学版)》2025年第2期26-39,共14页Journal of Northeastern University(Social Science)

基　　金：国家社会科学基金重大项目(22&ZD124)。

摘　　要：运用耦合协调度模型分析2014—2021年中国31个省份的数字普惠金融体系内部动态协调发展状态,同时利用基尼系数分解法讨论其演变规律与时空差异,并基于SDM模型考察关键因素对其的空间溢出效应。研究结果表明:2014—2021年中国各省份数字普惠金融体系的动态协调发展水平基本表现为逐年提高,且有明显的空间聚集性,具体体现为东部地区的领先与西部地区的滞后;各省份数字普惠金融体系动态协调发展水平整体上具有正向空间溢出效应,但在各经济分区内部具有负向地理溢出效应;城乡收入差距、经济发展水平、产业结构、传统金融实力与区域创新能力均会对其产生影响。The coupled coordination degree model is used to analyze the internal dynamic and coordinated development of digital inclusive finance in 31 provinces of China from 2014 to 2021,The Gini coefficient decomposition method is used to discuss its evolution law and spatial-temporal differences,and investigate the spatial spillover effects of key factors based on the SDM model.The results show that the dynamic and coordinated development level of the digital inclusive finance has improved year by year,and there is an obvious spatial aggregation,which is specifically reflected in the leading position of the eastern regions and the lagging position of the western regions.The dynamic and coordinated development level of the digital inclusive finance in each province has positive spatial spillover effects on the whole,but has negative effects within each economic zone.Urban-rural income gap,economic development level,industrial structure,traditional financial strength and regional innovation ability all have an impact on it.

关 键 词：数字普惠金融 耦合协调 基尼系数分解 空间杜宾模型 地理溢出效应 

分 类 号：F832.1[经济管理—金融学]